The Booming Apartment Market

If you own apartment real estate in Dallas, then this is a great time for you. According to statistics, rental units are in incredibly high demand right now. In fact, research shows that the market looks better than it has in nearly a decade. The last time units were this full was 2000. This good news can’t come soon enough after the impressive hits to the real estate market caused by the recession in recent years. North Texas rentals showed a net decline for both 2008 and 2009, after all. Now, suddenly, they’ve recovered and even risen.

The Source of the Boom

Experts say that the foreclosure market is in large part responsible for this newly active rental market. People who were buying homes are no longer doing so and those who lost their homes to foreclosure are not in a position to buy new ones either. This leaves most people with the option of apartment rentals. These renters as a group represent an additional net demand for Dallas apartments. At last count, the market showed a ninety one percent total occupancy and even in the last quarter of 2010, an additional 470 Dallas apartments were rented to new tenants.

The Consequences of the Boom

This boom in the apartment market has had an important effect on the Dallas area. To begin with, it has revitalized interest in the sale and construction of apartment real estate. In the last year 10, 753 new apartment units were built. Insiders say that we can expect that number to rise in 2011. Of course this boom in rentals will also have an effect on potential renters themselves. You can see it already in statistics that show turnover rates are at historic lows. People do not want to give up their apartments without good reason. As the demand rises, so too will the difficulty involved in finding an appropriate unit.

Houston Commercial Real Estate

The real estate business is classified into two distinct categories, namely, residential and commercial real estate. Certain residential properties may not be the primary living quarters of owners and can be used to generate a source of regular income through rentals. Such property is referred to as investment property, but is primarily a residential complex. Houston commercial real estate revolves around the sale, purchase, lease, and rentals of property used for trade and business. This includes a wide range of business properties, such as shopping centers, gas stations, hotels, and office buildings.

The Houston commercial real estate market is enormous and enlists a wide range of feasible properties. Commercial properties acquire their title when they are used for business purposes. They include land as well as anything that is permanently built or fixed within the property, including cottages, buildings, and fences. Pipes, plumbing, heating devices and light fixtures, which are inbuilt or fixed on the exterior of buildings are taken into consideration during Houston commercial real estate appraisals. Houston commercial real estate dealings prove to be profitable for brokers and companies. This is because agents earn asset percentage of the deal proceedings as their service charges. Since commercial real estate provides a return on investment over a period of time and not instantaneously, clients need not rush into a deal. In order to guarantee profitability in the long run, it is advisable to find a Houston commercial real estate property that is feasible and boosts trade.

When considering Houston real estate property price points, clients are not likely to find consistent rates. This is because commercial real estate prices are dependent upon global recession, as well as on local factors and reigning price points of neighboring property. Localities that are reputed as “commercially profitable” are higher price commitments as compared to others located in developing areas.

6 Healthy Packaged Foods That Save You Time And Money

When choosing packaged foods, it’s important to read the labels. This can be time consuming but worth it. To save time, try focusing specifically on foods low in sugar, low in salt and high in protein. Stay away from anything containing high fructose corn syrup which is an unnecessary sugar additive. Why do we even need sugar in bread? Foods with the fewest ingredients are best. If you don’t know what an ingredient is, chances are it’s not good for you.

Marketing techniques labeling foods as Lite, gluten free, healthy or wheat may not always be the healthiest choice. As an educated consumer you should know the difference. Many so called “wheat” products may not be whole grain or made from whole wheat. The first ingredient should be whole wheat flour. Wheat flour, unbleached wheat flour, multigrain, enriched, and stone-ground wheat flour are alternative ways of saying “refined white flour.”

To save you some time in the grocery store, I’ve compiled a list of packaged healthy foods that can also save you money. Here are 6 packaged foods that I recommend:

1. Canned beans. Opt for the low salt version if you can. Always rinse the beans thoroughly to wash away any unnecessary salt. Try to avoid beans with sauce or refried beans that tend to be high in sodium.

2. vegetables. Plain vegetables without sauces and added salt are a healthy and delicious addition to any meal. Steamables are a great choice when you’re in a hurry or just too tired to cook. They are quick and easy and leave you with little clean up. They can be more expensive, so stock up when they’re on sale. I’ve found them on sale for as little or close to $1 a bag.

3. Frozen berries. Not only are they delicious, but can really save you money. Especially in the winter when berries are out of season and more expensive. Try mixing them in plain Greek yogurt. Or serving them with pancakes or French toast. It makes a natural sweet sauce. Sometimes we thaw them in the microwave, making them a little warm to pour over our pancakes. Try topping them with a dollop of Greek yogurt too. It gives it a taste that’s almost like a crepe.

4. Nut butter. If the ingredient says almonds, you have a winner. It takes some time to stir, but if you store it in the refrigerator, you shouldn’t have to stir it again.

5. Low sugar cereals. Ideally cereals should have less than 6 grams of sugar. Opt for whole grain cereal such as toasted oats and muesli. Unsweetened instant oatmeal can be thrown in the microwave for a quick & healthy breakfast.

6. Canned Tuna fish. Packed in water. This is a quick and inexpensive source of protein. I pack my tuna salad with lots of vegetables like onions, celery, carrots, vinegar, pepper and olive oil mayonnaise (it tastes just like the real thing without adding as much fat and calories).

When choosing pre-packaged foods just remember, marketing can be deceptive. The fewer ingredients, the more natural the product. Look for whole wheat flour as a first ingredient when selecting whole grain foods. Try to stay away from processed foods that are high in sodium, sugar or contain high fructose corn syrup.

Calcium Needs At All Life Stages

It is the most abundant mineral in the body, present mainly in the bones and teeth. From the start, toddlers have an increased need for dietary calcium to support bone growth and skeletal development that takes place rapidly in the early years of life. This development and its need – continues into the teenage years and is particularly crucial for adolescent girls who need to stock their calcium supplies to prevent osteoporosis later in life. Adequate intake at this stage is needed to support ongoing bone growth and to achieve peak bone mass. It is an essential dietary element required in optimal amounts for good bone health, efficient nerve and muscle function, and overall cardiovascular health. Without enough of it throughout life, a person’s bones can begin to weaken over time. That can make it more difficult to stay active while also creating a higher risk of fractures and osteoporosis. A person’s bone density will generally reach its peak at roughly age 30, and then begin to fade after that. Adequate daily intake can help maintain proper bone density and help prevent osteoporosis – which creates porous and fragile bones. It makes up about three percent of the earth’s crust and is a basic component of most animals and plants. Eating a diet rich in calcium helps to restore it to the bones; supplements can help as well.

Why is calcium necessary?

It is known mostly for its role in building and maintaining strong bones and teeth, but it is also required for proper functioning of the heart, muscles and nervous system. It plays a role in maintaining normal blood pressure, regulating blood clotting. It is also associated with relieving mood swings, food cravings, and decreasing the pain, tenderness and bloating associated with premenstrual syndrome.

What are the deficiency signs?

Deficiency symptoms (also known as hypocalcemia) range from minor – numbness or tingling of the fingers, muscle cramps, lethargy and poor appetite – to more severe, including mental confusion, skeletal malformations, dermatitis, and in infants, delayed development. Illnesses such as osteoporosis (brittle, thin, porous bones that easily break) and rickets are also associated with a deficiency.

How much, and what kind, does an adult need?

If vitamin D levels are optimal, most adults should be able to meet their daily calcium needs via a varied diet. When individuals are unable to get enough of it through a diet or for those who may need more than the recommended daily allowance, supplements can help. Doctors recommends women supplement with 500 to 700 mg of calcium citrate in two divided doses taken with meals for a total of 1,000-1,200 mg a day from all sources. Supplementing with its citrate form, which is more easily absorbed than other forms, taken with half the dosage amount of magnesium.

How much does a child need?

The normal daily recommended intake for children is as follows: infants through three years of age is 400-800 mg; children between 4 and 10 years of age is 800 mg; adolescent males is 800-1,200 mg; and adolescent females is 800-1,200 mg daily.
How do you get enough from foods?

An abundant source of this mineral in the American diet is dairy products – two glasses of milk per day provide 1,000-1,200 mg. If you choose to get via dairy products – and this is not essential, as there are many other calcium-rich foods – make sure you use only hormone-free, organic dairy products to reduce your exposure to the antibiotics and hormones found in many dairy products. Non-dairy foods include: greens such as collards, mustard, kale, and bok choy; canned salmon (with bones) and sardines; tofu, soy milk, fruit juice and cereals; blackstrap molasses; and broccoli.

Are there any risks associated with too much?

Its supplements can be constipating, and should be balanced with magnesium as discussed above. Excessive amounts in the blood may have negative effects, including nausea, vomiting, loss of appetite, and increased urination. More serious complications include kidney toxicity, confusion, and irregular heart rhythm. Studies indicate that men who take too much may have an increased risk of prostate cancer, and should limit their dietary intake to 500-600 mg daily from all sources.

Who should we take it as supplements?

It is an important mineral for the human body. It helps build and protect your teeth and bones. Getting enough of it over your lifetime can help prevent osteoporosis. Most people get it through their normal diet. Dairy foods and leafy green vegetables have high levels of calcium. Your health care provider will tell you if you need to take extra dose id required.

TYPES OF CALCIUM SUPPLEMENTS

Forms of calcium include:
Calcium Type
Pros
Calcium citrate (21% calcium)
Most easily absorbed
Calcium carbonate
Least expensive; has more elemental calcium

Calcium carbonate. Over-the-counter (OTC) antacid products contain it and these sources of it do not cost much. Each pill or chew provides 200 mg or more of calcium.

Calcium citrate. This is a more expensive form of calcium. It is absorbed well on an empty or full stomach. People with low levels of stomach acid (a condition that is more common in people over age 50) absorb this better than other forms.

HOW TO TAKE HIGHER DOSE

Increase the dose of your supplement slowly. Your provider may suggest that you start with 500 mg a day for a week, and then add more over time.Try to spread the extra dose you take over the day. DO NOT take more than 500 mg at a time. Taking it throughout the day will:

Allow more calcium to be absorbed

Cut down on side effects such as gas, bloating, and constipation
The total amount adults need every day from food and supplements:
19 to 50 years: 1,000 mg/day
51 to 70 years: Men – 1,000 mg/day; Women – 1,200 mg/day
71 years and over: 1,200 mg/day

SIDE EFFECTS AND SAFETY

DO NOT take more than the recommended amount of it. Try the following if you have side effects from taking extra calcium:

Drink more fluids.

Eat high-fiber foods

Switch to another form of calcium if the diet changes do not help.

Always tell your provider and pharmacist if you are taking extra dose. Its supplements may change the way your body absorbs some medicines. These include certain types of antibiotics and iron pills.

Are there any other special considerations?

Vitamin D is key to absorbing and so make sure to get adequate intake of vitamin D. Vitamin D, often referred to as the “sunshine vitamin,” is actually a fat-soluble hormone that the body can synthesize naturally. There are several forms, including two that are important to humans: D2 and D3. Vitamin D2 (ergocalciferol) is synthesized by plants, and vitamin D3 (cholecalciferol) is synthesized by humans when skin is exposed to ultraviolet-B (UVB) rays from sunlight. The active form of the vitamin is calcitriol, synthesized from either D2 or D3 in the kidneys. Vitamin D helps to maintain normal blood levels of calcium and phosphorus.

Vitamin K2 is a beneficial form of Vitamin K for bones. Unlike Vitamin K1 which is used to activate blood clotting proteins, Vitamin K2 is beneficial for activating proteins which help bind calcium to bones. Vitamin K2 is found in food but not in anywhere near the concentration found in Osteo-K. Taking Osteo-K helps boost daily intake of vitamin K2 to support bone health. Older people may need to take it in extra larger doses because they do not absorb it as well as younger people.

If you take oral vitamin D,you also need to take vitamin K2. Vitamin K2 helps to move calcium to proper areas where its needed and removes it from sites where it shouldn’t be present like arteries and soft tissues. When you take vitamin D, your body creates more of these vitamin K2-dependent proteins, the proteins that will move it around. They have a lot of potential health benefits. But until the K2 comes in to activate those proteins, those benefits aren’t realized. So, really, if you’re taking vitamin D, you’re creating an increased demand for K2. Vitamin K2 deficiency is one of the reason why people suffer from vitamin D toxicity symptoms which includes improper calcification leading to hardening of arteries. And vitamin D and K2 work together to strengthen your bones and improve your heart health.

It seems likely that 150 to 200 mgs of vitamin k2 is enough to activate your K2 dependent proteins to shuttle calcium to proper areas.

How can you tell that you are deficit of vitamin k2?

There is no specific tests for finding it. By assessing the lifestyle and diet you eat,one can find whether he is lacking the critical nutrients needed for the body. If you face following health conditions then you are likely deficient in vitamin K2.

Do you have osteoporosis?

Do you have heart disease?

Do you have diabetes?

If you are facing such symptoms, its better to think on deficiencies and take necessary steps.

What You Can Learn From My Summer Vacation

‘Remember in our youth the standard return-to-school “What I Did on My Summer Vacation” essay? This summer has given me several lessons that have value for you today.

The story begins with a local police officer knocking on my door at 9:00 one night, asking me about my brother, Billy. Of course, you know what happens next–I find out that Billy died in a motorcycle accident a few hours earlier. He was 57, divorced, with no children. He was a floor layer, a regular ordinary guy. Like you and your team members.

First lesson: we are in a business of relationships. Don’t let corporate purchasing and hard bid tactics make you forget this. While price is part of the purchase consideration, the quality of your work and the relationships you foster with your clients, customers, and co-workers are paramount. I first realized this as word about Billy spread through the grapevine and I received numerous calls, emails, and cards of condolence from across the country. These were unexpected and much appreciated.

I saw it again at his wake. Having worked his trade in the New York area for over 30 years, my brother was well-known. On that Memorial Day weekend, we were visited by many of his associates. Not just tile guys, but the Foreman from the Laborers, and a superintendent from a General Contractor, to name a few. There were even guys who had worked with our father in the business-and some even remembered when I had helped out on a few jobs, way back when! Connections between people-that’s what it’s about.

Next lesson: how is your health? Construction is hard work, yeah. But it isn’t a substitute for quality exercise and eating. Billy wasn’t in bad shape, but he wasn’t in good shape, either. He loved to eat; cooking was his hobby. He didn’t exercise. And he had coronary artery disease. In fact, he may have had a health crisis that triggered the crash. We don’t know for sure. But we do know that he was not taking care of himself and now, he’s gone. Are you taking care of yourself? (If not for yourself, then for those who love you.)

“Divorced with no kids” sounds like an easy estate to deal with, right? Well, it would be if

  1. there had been a will (there wasn’t)
  2. there had been up-to-date beneficiaries on his life insurance policy (his ex-wife is still listed, although that wasn’t his wish; he just “never got around to” changing beneficiaries even though they’d been divorced for several years), and
  3. all his records had been kept in one place (not even close).

Looking through files and folders is never easy, but having to weed through pay stubs from 1986 makes the process even harder. I realized that my finances and directives are in a similar state of disorganization. I am currently creating what I call the Red Envelope, where all of that information is being placed to make the process easier for whoever needs to deal with it. We need to do this for the benefit of those around us. If you are a business owner or the head of a household, this becomes even more important.

By now, you may be fed up with my personal ramblings. But remember what my brother did for a living. He was a regular guy, he was just like you and the guys who work for you and with you. I am hoping you can learn from him so your team is better off.

Select an Experienced Defense Lawyer

Some of you may be wondering why you would ever need a San Antonio defense lawyer. Well, any time a person is accused of a crime-whether they are innocent or guilty-they have to build a defense to present in court. An experienced lawyer will help to not only build a strong argument, but also deliver it during the trial.

Lawyers will assist you from the time you have been arrested and throughout your court case. They provide legal services after your case, if you have been tried and convicted through the appeals process. You can obtain a professional San Antonio defense lawyer privately, meaning you, a relative, or friend researched credentials, and secured one personally.

In selecting the right legal representative, you want to make sure they have expertise in the area in which you were charged. Someone that has experience going to trial and fighting cases similar to yours, preferably with a high success rate would be very beneficial. It wouldn’t be a good idea if you have a felony case, and the lawyer has only handled misdemeanors in the past.

The lawyer you secure will examine your case and look at you as being innocent. They will advise you and secure all of the documentation they need to present the best case on your behalf. The types of crimes a San Antonio lawyer can help you with are crimes of a violent nature, like assault, murder, sexual assault, molestation, possession of drugs or trafficking drugs.

While many lawyers can handle federal and capital cases such as murder, sexual assault, and drug violations, they are usually also adept at handling what are known as “white collar” crimes, such as embezzlement and fraud. Another thing to keep in mind when looking for an attorney is that many of them offer free consultations, so inquire about this before setting up a meeting with any lawyer. This can not only save you money, but can also take off any pressure you may feel to choose a lawyer that you don’t really want.

Top Ways to Prevent Chronic Disease

Even if you have a family history of chronic diseases, you can take steps to prevent these conditions and maintain your health for many years. Studies show the best ways to prevent chronic diseases include:

Eating Healthy Foods
No diet has to be perfect, but you should strive to eat nutritious, lean foods as much as possible. A healthy diet should always include foods like:

  • Vegetables and fruits
  • Lean meats like poultry
  • Fish
  • Nuts
  • Beans
  • Whole grains
  • Healthy fats like olive oil or avocados

By filling your plate with these items, you’ll rarely have space left to eat sugary or fatty foods that can increase your risk of a chronic disease.

Staying Active
You don’t have to run marathons to see the health benefits of exercise. Simply walking for about 150 minutes each week can help your body stay healthy. Even if you walk in short 10 minute intervals, you will see healthy benefits.

For extra health benefits, incorporate resistance training to build strong muscles and bones.

Maintaining Low Blood Pressure
High blood pressure (hypertension) can hurt your heart and your kidneys. While a healthy diet and exercise should keep your blood pressure healthy, be sure to check your blood pressure at least once a year and take blood pressure medicines as your doctor recommends.

Sleeping Well
Sleep may play a larger role in your health than you think. People who are sleep deprived tend to have higher levels of stress, higher blood pressure, higher blood sugar and poor metabolism. Proper sleep helps your body work well.

Keep a Healthy Weight
If you are already at a healthy weight, work to maintain that weight through proper diet and exercise. If you are carrying a few extra pounds, work with your physician to find ways to lose weight that work for you. Everyone is different, and no single weight loss plan works for everyone. Keep trying to find the plan that’s right for you and your lifestyle.

Don’t Smoke
Smoking has countless negative effects on your health, increasing your risk for heart attack, stroke, lung cancer and more. If you need help quitting smoking, speak to your physician. Your physician can help you find smoking cessation support and give you access to prescription medicines that might help you quit.

Remember, your doctor is your partner in healthy living. If you have any questions about preventing or managing chronic disease, always ask your physician for help.

Real Estate Investment Financing

Real estate investment financing is a better option than the traditional residential real estate mortgages. The financing in this sector is done mainly by borrowing money as it is more lucrative than investing one’s own money in a single real estate. Real estate investment is a great possibility for many people to gain equity and to generate cash flow and due to this, demand for commercial real estate investment financing is increasing day by day. The real estate investments include homebuilder stocks, real estate mutual funds and real estate investment trusts (REITs).

A real estate investor can get around 98 percent financing for his investments. Even, cent percent financing is available. Zero down real estate investment financing is a fully documented loan which is provided to a single family, townhouse, or condominium. The only requirement for this program is excellent credit. It is now available at reasonable rates. For investment properties, limited and no documentation loans are also available.

Many companies are providing financing for the real estate investments. Most of the business concerns are allowing a maximum of 5 to 6 new rental property mortgages yearly. These companies provide low interest rates and quick close available (48 hours) options to the investors. For a reliable and stable financing, short term and interim financing loans are available. It is hard for a person to get real estate investment financing for more than six properties in a single year. In this situation, sellers financing is the best alternative for achieving the maximum leverage of the investment.

There are various real estate investor financing books available in the market from where one gets rich information about the financing methods. Other means through which one gets ample information about the real estate investor financing are courses, books, tapes, software and services. Before trying a real estate investment financing, make sure that the banks are regulated by the federal government and are capable enough to underwrite conforming loans.

What Damages Can I Claim After a Drunk Driving Accident

Being injured in a drunk driving accident can be life-altering. You need to hire a professional personal injury attorney. Only he can educate you regarding the legal process and eventually help you win the case with the best possible compensation.

As per the Florida law, you are a victim of a drunk driving accident if the accident causes you loss of any form that demands compensation. Under Florida Statute for victims of DUI crashes, there are certain “allowances” provided for the victims. However, the victim or his lawyer often requires to pursue these allowances he is subjected to!

You must be aware about the multiple ways through which a victim can obtain benefits. A set of Qualification Requirements has been established by the Florida’s Bureau of Victim Compensation for receipt of funds under its Crimes Compensation Act. Here are the requirements:

  • The reporting of the crime to law enforcement needs to be done within 72 hours.
  • It is necessary for the victim to have suffered some form of personal physical injury. There is an automatic reduction in the funds for those who have just suffered psychiatric or psychological injury due to the accident.
  • Application needs to be filed within the time period of one year after the crime date. In case a valid cause is shown, the time period might be expanded up
  • to 2 years.
  • The victim must cooperate with law enforcement, State Attorney’s Office, and the Attorney General’s Office fully.
  • The victim must not have been engaged in any form of unlawful activity at the time of the accident.
  • The victim must not be responsible for the accident in any way.
  • The victim must not have a record of felony conviction.

What are the benefits available to the victim?

You need to meet all the above criteria in order to be proven as the victim. Only then, as per the Bureau you are entitled to the following benefits:

  • Loss of wage
  • Loss of support such as the death of a close relative etc.
  • Disability of any form
  • Expenses related to funeral
  • Expenses pertaining to medical treatments
  • Mental health counseling
  • Compensation for any kind of Property Loss

However, the truth is that you and your lawyer need to pursue your compensation actively in order to avail all the benefits available under the Florida Law. This specific statute helps to save you a good deal of your medical costs.

An injury caused due to drunk driving accident might cause you loss of time at work and subsequently loss of high wages. You might have to struggle to pay the bills. When your general bills are added on by your medical expenses, you might lose your sleep at night. So, it is more than essential for you to claim lost wages in a drunk driving accident. This includes future wages If the injuries you suffered leaves you disabled or incapable of functioning properly to provide output to the company, you need to count your future wages as well for compensation.
You are also entitled to seek damages for pain and suffering caused by such an accident. This involves the physical or mental distress caused due to someone’s death. You need to prove the nature and severity of your injury as well as the prognosis issued by the doctor with the intent to claim such damages.
Out of all the damages claimed, those related to medical expenses is the most common. This is because in most cases, medical expenses can add up at a striking rate into a lump sum. The situation might be the same even when you have medical and auto insurance. You can demand reimbursement for ambulance rides, consultations, medical equipment, physical therapy, in-home medical care and all other expenditures.
What to do just after a drunk driving accident occurs?
  • Dial 911

When you find out you are the victim in the crash, dial 911. Make sure to receive treatment for your injuries instantly, if possible. Police officials soon test the other driver for the accident.

  • Gather contact information

Collect important contact information. It includes the other driver’s name, contact number, address, and details related to insurance. Also, gather relevant info from the witnesses on the scene. Gather their basic contact information as well since it might come handy later.

  • Gather every possible piece of evidence

Click pictures of the crash scene, the vehicles or vehicles that were involved, and any injuries that you suffered. If there are other pieces of evidence like torn clothing, crashed debris etc., make sure you keep those handy as well.

  • Hire a drunk driving accident attorney

Only the qualified drunk driving attorney has an absolute knowledge on law. At first, the case might seem to be simple but things might get tense with the progression of the case. So, be on the safe side and get yourself a proper attorney with specialization in this field.

Who is usually responsible for drunk driving accidents?
If the person who apparently caused the accident is found to have a BAC that is higher than the legal limit, you can go ahead in filing a lawsuit against him. You can also file a claim against a restaurant or bar if it is responsible for providing alcohol to the person accused for the accident.
  • The accused person needs to be Under 21 years of age.
  • The accused need to be someone who is “habitually addicted” to alcohol.

It is pretty difficult to put the blame or a part of blame on the third parties that might actually be liable for the drunk driving accidents.

Texans Save Yourselves: Get Affordable Health Insurance Now

Even Superman should have health insurance. Amusingly, most of us who struggle with health coverage are similar to Superheroes and their woes. We encounter problems with obtaining health insurance for a number of reasons. Either our employers do not provide it, the costs are too high, or the plan does not adequately suit our needs. Superman is self-employed, does not produce an income, and has an incredibly risky profession, which includes daily injuries and a high possibility of death each day.

If Superman attempted to get health insurance from most companies in the United States, it is rather probable he would get rejected over and over again.

Some of us believe we are indestructible, like Superman, and we do not opt for health insurance because it seems unnecessary. However, a lot of people would love to have the security knowing their well-being is covered, yet simply know they cannot afford it. Regardless, whatever the reasoning behind your choice to ‘wing-it,’ is, it is crucial to your health, security and emotional state that you reconsider.

It is no secret the United State’s health care system has flaws. Politicians have been trying to amend these flukes for decades, and it is constantly an issue that resurfaces during each presidential election. While it will be some time before any revolutionary changes are observed in our system, now is the time for you to change your outlook on health insurance options.

Certain states are worse off in their status’s of having heath insurance. Health insurance companies need to come to rescue for Texan inhabitants. Texas has one of poorest ratios of those who have health insurance coverage to those who do not. Currently, 1 in 4 Texans do not. That is 25% of the population!

Every individual comes with a unique situation. Be smart. Protect yourself. Indestructible or not, you never know when a freak accident or sickness will occur and leave you broke and emotionally shattered.