Tag: easy

Stop Smoking Book Was The Best Help To Quit

Posted by – December 10, 2015

Stop Smoking In 9 Easy Steps

About 6 months ago, I got an email from a buyer of Stop Smoking In 9 Easy Steps. She just wanted a little extra help with an issue in order for everything in the book to go faster for her. We worked briefly together, she went back to her book, and yesterday, she sent me the following in an email.

“I Tell Everyone About You And Your Book”

“I wanted to thank you for all of your help with quitting smoking. Smoking was something that I had struggled with for so long. I knew inside I was not a smoker, and thanks to you for your help I am free from that need to put harmful smoke and chemicals in my body. (almost 5 months now). Thank you also for helping me with other issues too, especially with the worry about my children. I am sure it was helpful in freeing myself from that nicotine trap. I appreciate that you helped me even though I didn’t have a lot of money. You are an amazing person, kind and caring too. I am so glad to have met you. I tell everyone about you and your book. ” A.B.

Thank you A.B., for sharing your story with others who need it.

Stop Smoking In 9 Easy Steps For You Or Yours

Buy one of the solutions here and find out for yourself what it is all about: www.stop-smoking-ebooks.com

Stop Smoking In 9 Easy Steps

Please note that any advice given here is not a substitute for any appropriate medical care, and you are advised to consult with a medical practitioner before embarking on this or any other complementary or alternative therapy. EFT practitioners agree to take full responsibility for the use of any EFT guides provided. Whilst this worked for so many happy clients, there is no guarantee that it will for you. But at the ridiculously low, low prices of Stop Smoking In 9 Easy Steps, it’s easy to give it a try 🙂

 

How does smoking affect the cost of UK life insurance?

Posted by – April 2, 2013

How does smoking affect the cost of UK life insurance?

Smoking can affect the size of your life insurance premiums in two different ways. Firstly, most providers will charge a smoker’s premium to anyone that says they have smoked within the last twelve months. However, there is another way that smoking affects premiums and that is by deciding the insurance band you will be assigned to. Insurers generally assign every applicant to one of three insurance bands depending on their level of health. These are: Standard, Preferred and Preferred Plus.

If you have smoked within the last year you will probably be assigned to the Standard band, no matter how often you exercise or how healthily you eat. Generally, insurers will not allow anyone into the Preferred band unless they can say they have not smoked within the last three years, and five years for the Preferred Plus band.

 

Over the course of your insurance term the difference in premiums between those classed in Preferred and Preferred Plus bands will usually amount to thousands of pounds. This means that even if you identify as a non-smoker, smoking can make a huge difference to the cost of your life insurance.

The most important difference is between regular smokers and those who have smoked within the last twelve months. In 2011, Sainsbury’s Financial published research which said that the average annual life insurance premium for a smoker was £209.76 while for a non-smoker it was just £113.88.

Over the course of a standard twenty year insurance term the difference between them adds up to £1917.6. What’s more is that this is only an average. Many smokers will be paying far higher premiums than this on the basis of the fact that they smoke alone.

Other research by the Money Saving Expert calculates that the hidden insurance cost of smoking could amount to over £30,000 over twenty years. The problem with this research is that it is a deliberately unrepresentative number, calculated on the basis of someone who has purchased term assurance, critical illness insurance, private medical insurance and permanent health insurance. As such, this should be treated as a maximum figure that helps to illustrate the fact that smoking makes health insurance a lot more expensive. To read more about how they calculate these numbers, go to: http://www.moneysavingexpert.com/family/quit-smoking-cheaply

The biggest difference between smokers and non-smokers is found with term life assurance and critical illness insurance – the two most common types mentioned above. A non-smoker generally saves 55% on the first and 50% on the second compared to a smoker. Term assurance is a type of policy which consists of an agreement that the insurer will pay out a fixed sum (or occasionally that they will cover your mortgage) if you die within a fixed term. This is the most common kind of life insurance and, unfortunately, also the most expensive for smokers.

Critical illness insurance is a form of insurance policy that agrees to pay out if you are diagnosed with one of a list of critical illnesses. It is another type of policy popular in the UK as it generally allows people to provide for their families in the event that they are rendered unable to work as well as helping cover the costs of medical care. The Money Saving Expert calculates that there is an average £24,000 price difference between smokers and non-smokers for this type of policy over the course of a twenty year term.

With private medical insurance you will only achieve a saving of 5% as they are generally based more on an assessment of your current rather than of your lifestyle. Permanent health insurance, or insurance that agrees to continue to pay your salary or wage if illness prevents you from working, generally differs by about 25%. Yet again, this amounts to a cost of thousands of pounds over the duration of the plan.

What is clear from all of these figures is that there is never any time when the affect of smoking on an insurance policy is small. Any calculation of how much money you would save by giving up smoking (by spending less on cigarettes, chewing gum, air fresheners etc.) will be out by thousands of pounds if it does not also take into account the cost of your life insurance.

How does smoking affect the cost of UK life insurance? – Extract gratefully copied with permission from http://www.lifeinsure.co.uk


My name is Suzanne Zacharia and I am committed to spreading the word about health options. I believe that the more and better options one has, the more choice there is.

A virus caught along with 5 other students at university at the end of 1986, plus medical negligence, meant that I got smokers lung at a relatively young age. In desperation for help with my symptoms and quality of life, I turned to complementary therapy, and I have outlived one doctor’s prognosis by many years now.

Are You a Smoker Who Would Like To Stop?

I am now a complementary therapist, author of THE stop smoking book at http://www.quit-smoking-ebook.com, where you can buy the book wherever you live, If in the UK, you can buy it here:

Is EFT Tapping an Instant Cure from Smoking?

Posted by – November 19, 2010

EFT, which stands for Emotional Freedom Techniques, is a great tool that helps you help yourself. It is used for almost any physical or emotional condition. And it works relatively quickly. Because of that, and because professionals using it want to encourage others to use it, it is mainly the stories about fast recovery that abound on the internet and in the press. For example, most ex-smokers that I have helped in the UK to quit did so in one session with EFT and did not need to use EFT for smoking again; and I wrote about it to encourage others to quit. This leaves some users disappointed, as they think that the EFT is not working and give up. For example, about 70% quit in one session and 30% came back for more sessions. There was nothing wrong with the 30%. Not at all. They just had more blocks in their path that we needed to remove with EFT, and that´s perfectly OK.

Let me give an analogy. Most of us have used headache pills or powders at various points in our lives. And most people have a bottle or box of pain-relief pills in their home. The reason is that we might need them. And in that case, we might just pop a pill and the pain would go away and we would just get on with whatever it is we need to do. And I know that for a lot of us who prefer holistic alternative health, popping pills is not the answer, but hey, there were times when I have just wanted a pill and so took one. What I am trying to say is that as a society, we think nothing of taking a pill for a headache or other pain if needed. And that we do so because it works. We know it works, because the pain goes away, and then we can get on with our lives.

Let me show you this from a slightly different angle. We take a pill for a headache, and it makes the headache go away, and we accept that. And even though that particular headache is gone, we still keep a stock of pills available. And we never even question why. It is obvious; we keep a stock of pain-relief tablets in case we get another pain later that we need to quickly get rid of. And that, realistically speaking, is OK. We are happy with that.

But let me ask you about another scenario. We get a physical or emotional pain, use EFT on it, and it goes away. Some people then become very surprised if that pain comes back, and then say the EFT did not work. But they are still happy to take a painkiller, even though they have taken many before in their life and the pain came back!

And just like the pain tablets do work, so does EFT!

Additionally, just like the pain may re-appear or a different pain may appear, we think nothing of taking another pain-killer. And so we should think nothing of using EFT again either!

Now, I am neither advocating taking pain-killers nor pushing doing EFT instead of taking a pain-killer. What I am saying here is look at the way we happily consider pain-killers effective, even though we may have to take them again on another occasion, and that we should look at EFT in the same light. Despite whatever anyone promises you about EFT, yes, most of the things that are said about its quickness and effectiveness are totally true, but it is a tool that can be used over and over again for many physical and emotional issues, and it is OK to keep using it on one issue for a few months before a more permanent solution is found. And even then, we are continually exposed to emotional hurt and physical mishaps, so it makes sense that we continue using EFT in our lives; just like most of us use that handy headache tablet.

EFT Tapping is a great way to release the vast majority of physical or emotional conditions gently and effectively. If it is new to you, you can download a free guide from many online resources and find out more for yourself. Or you can dive right in and work with an experienced practitioner.

Tapping is a great way to release a phobia gently and effectively. It worked for me. You can download a free guide from many online resources and find out more for yourself. Or you can dive right in and work with an experienced practitioner.

© Suzanne Zacharia 2010. My name is Suzanne Zacharia and I am committed to spreading the word about health options. I believe that the more and better options one has, the more choice there is.

A virus caught along with 5 other students at university at the end of 1986, plus medical negligence, meant that I got smokers lung at a relatively young age. In desperation for help with my symptoms and quality of life, I turned to complementary therapy, and I have outlived one doctor’s prognosis by many years now.

I am now a complementary therapist, author of the Stop Smoking books at http://www.quit-smoking-ebook.com and trainer specializing in energy healing. Want to use this article? You can, as long as you credit me with it and invite your readers to get my FREE book “EFT How-To For You” at http://www.EFT-Scripts.com