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Top Presents to Get for Joggers

If you’re trying to find a perfect present to get for a runner, either for a Birthday or Christmas it can be hard to know what to buy. Explore some helpful hints on what running related gear you can buy for your buddy or family member.

Whilst you might think that there isn’t much that a runner could need, there are some great products that a runner would like to be given. For those who are looking for an expensive present to get for a runner, then a sports watch is a marvelous pick. Typically you would be trying to find a watch that not only has a stop watch function, but also a watch that has a heart rate monitor to keep a record of heart rate, and also, these days, navigation facilities to keep track of the mileage run.

Entry to a: if you can’t think of a real product to buy, or don’t know the person’s dimensions specifically then a comparatively inexpensive item can be an entry to race. This is often fairly good fun for a runner as they might get to push themselves over a new mileage, or even just do a race that they haven’t done previously. Having a race in your diary approaching also provides excellent motivation.

A specific thing you should avoid buying a runner is jogging shoes! Preferably joggers should visit a specialist running shop to get shoes fitted properly. So this is one product that you should avoid. However, socks are available in fairly wide sizing alternatives so are a good selection. Technical running socks are also somewhat costly so will be a nice present.

Jogging accessories such as jogging bags and hydration sacks are also a great pick for runners who run for longer distances. Running bottles may be appropriate for those individuals who run reduced miles. Hydration is extremely important so all joggers will want to take on board fluids on their runs.

Rain gear and night wear such as reflective clothing and accessories are also an awesome choice for those seasoned joggers who run throughout the year and in any weather condition. As clothing can degrade fairly fast, runners usually cannot get enough clothes and equipment and even if they actually have lots of tops, base layers, rain kit more will always be welcomed.

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How To Negotiate To Lower Your Medical Debt

Negotiating with your doctor or hospital can definitely help you lower your medical bills. Many people don’t think of negotiating this way. You can negotiate with the seller when purchasing a home, and you negotiate on the price of a car – and you can surely negotiate with your doctor or hospital regarding medical debt. You have a good chance to get your debt under control and to stay away from filing for bankruptcy. Paying by credit card is not the answer because you cut your options or ability to negotiate with your medical professional, as the credit card company holds your debt now.

So How Do You Negotiate Medical Debt?

Do Your Research First

Understand that their is an act called the “Fair Debt Collection Act” that requires debt collectors to “treat you fairly and prohibits certain methods of debt collection.” Next, make sure to double check all medical charges you have received from your bills. Sometimes before negotiating it is best to get an “itemized bill” so you can see all the things you were charged for in detail. Make sure you were only charged for the services given to you. An itemized bill is needed because many doctors, hospitals and pharmacists make mistakes. With Medicaid, check your bill and make sure that you were not billed more than what is allowed. In the case of private insurance, make sure you review all your health insurance coverage, because sometimes some or all of the balance could be paid for by your health insurance company.

Approach Negotiation With The Right Style

Make sure to be delicate in your negotiation approach. For example, if you want bank to waive a bank fee, yelling at the customer service rep is less likely to lead to the removal of your fee than keeping calm and yet still direct. Explain to your hospital or doctor why you can’t pay. Usually they will understand if you have valid or reasonable reasons. You effectively need to prove that the charges received are too high for the income and expenses you have. Keep your cool as you want to sound in control, which only helps you in the negotiation process.

Requirements During The Process

First, act quickly, and be proactive. Second, Make sure to keep in contact with your creditors (organizations you owe money to such as physician, doctor, medical organization or hospital) and record all of the names and phone numbers of anyone you speak or spoke to. Make sure you document all the things you did, when you did them, and the outcome. If you have a call with a creditor, then try to record it if your state allows it as 35 states do. Third, never negotiate over the phone, or make sure any agreements or terms or via email or snail mail.

What To Strive For In Negotiation

First, you want to aim at having as many medical fees or underpayment penalties associated with your balance removed or reduced. Second, you want to negotiate a payment plan. Your physician, doctor, medical organization or hospital will often times take smaller payments over a longer period of time than have you not pay at all — so try strive for a reasonable payment plan or one that you can afford. If you do reach an agreement with your creditor (payment plan or payment in full), document it and send it to your creditor. If you are paying by check add to it “Cashing Check Constitutes Payment In Full.” Third, never take the first offer you get if they are eager. You need to sense how eager or quickly they respond with an offer because if you can get a 2nd or 3rd one they usually improve. The tough part is knowing when you should take an agreement or request a better offer. Lastly, if all else fails remember you can always threaten with bankruptcy for a payment plan or better agreement because usually with bankruptcy — the creditor won’t get paid.

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All About Money Clothing: Its Inception and the Present Day Products

Don’t let the word “money clothing” fool you. This is not about the garage sale or out of the rack sale that makes you buy loads of new clothes at half the prices. With the discard-faster-than-you-wear new age fashion culture, this is the trend today. However, we are talking a completely different style of clothing here.

‘Money’ is a brand of men’s clothing which started in 2003 to provide apparel to men which was a combination of great taste, style and authentic material. It was started by Nick Cordell and Melvyn DeVilliers in 2003. A third designer, Japanese Takashi ‘Maru’ Marujo joined them in 2004. The clothing line started with men’s t-shirts and hoodies (hooded t-shirts) initially but has now diversified to all kinds of men’s apparel including knit wear and jeans. The denims have the unique quality of having real money kept inside the back pocket (hence, justifying the name) according to the country where you buy them from- for example, a dollar if you pick them in America or a euro if in Europe.

Money clothing has the unique Japanese quality, evident in the finish of their clothes and the material used to make them and can be attributed to the Japanese designer in the trio, Marujo. All the clothes carry contemporary designs and can be called as clothes which pick the pulse of the present generation, particularly their choice of wearing garments that make them look “cool”, which in popular language means one who is carefree and one who doesn’t (or doesn’t want to) conform to socially redundant traditions and practices.

For the above reasons, this brand is for people who carry that attitude and who want their clothes to reflect their thinking.

‘Money’ has become a famous brand due to celebrity following by popular celebrities such as Jay Z and David Beckham who are huge style icons for present day youth. Money follows all the ongoing trends and translates them into their clothing, making them a hit with the people instantly. The colors used are also vibrant, in line with the personalities of present day wearers.

The mix of two great traditions-the oriental and the occidental has given money clothing a value advantage very few brands can command. There is always something new, something fresh and something out-of-the-box when two totally different cultures combine. And that when worn looks like nothing you have ever worn before.

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