The benefits of benefits

Most 20-somethings have a super hero syndrome. We think that we are untouchable — nothing can possibly happen to us. Ailments and disabilities are something that we will have to worry about 30-40 years from now. Why worry about getting the best insurance or add-ons our companies have to  offer?

While it is true most twenty-somethings will dodge major illness during this life period. Some will unexpectedly hear the news that we are not superman or woman.

We don’t really think about it because it isn’t really prevalent in our day-to-day life. Mostly, what we see on T.V. are happy, healthy millenials that don’t seem to be plagued with anything serious.

The truth is we are not invincible. We are susceptible to the same unfortunateness as those older than us. In light of this, what should we do to make sure we are protected?

Go to the HR department in your company and get your insurance stuff straightened out or look into some private companies and get some individual health insurance. Find any free clinics in your area that could help you with your dental ,mental, and physical health needs.

Don’t skimp on this and find yourself in this ( link embedded ) situation. The link goes to a story about a 24-year-old who dies from having a simple dental infection. He was unemployed and didn’t have employer backed insurance, although, there are still ways to ensure getting some type of healthcare in the form of government assistance.

For those who are employed and have group healthcare from your employer, make sure you sign up for  short-term and long-term disability. My company pays for long-term disability so I just have to get short-term disability. It only cost most people around 100 bucks a year and you usually get 60% of your income each week when you are unable to work. For those who don’t have 3-6 months of savings to buffer lost wages and those that do for that matter, this money could be used to cover some expenses to make sure you don’t go into the “red” with your finances and cause added stress and anxiety.

Be sure to sign up for coverage that doesn’t require referrals. When something really bad happens it’s nice to be able to go to any specialist you want that is covered by your insurance rather than only going to the specialist that your  Primary Care Physician refers you to. Also, getting referrals could take a long  time to obtain. Time that you may not have.Cut out the middle man and don’t sign up for HMO, but try to get something where you don’t have to get a referral from your PCP to go to a specialist. I have a form of HMO called open access that is cheaper than a PPO , and doesn’t require referrals to see a specialist from my PCP. These other plans may cost a little more, but if life to you isn’t worth more than a few extra bucks coming out of your paycheck each month then…

Just make sure you have optimum coverage. You’ll thank me later.


Inspiration in the form of song

With the current state of the economy: 9.2% unemployment and  most of us being underemployed and/or underpaid. I thought we could use some inspiration. Here are some of my current faves in no particular order:( Please excuse my love for Disney movies, musicals, and teen pop sensations.)

What song gets you pumped?

I’m just 24 going on 6…


Earlier this week, we had a fire drill at work. The warning sounded “there’s a fire in the building, please evacuate” People flooded from each floor door onto the stair well that led to the ground floor and we leisurely walked out of the building to our assigned spaces in the parking lot. Some employees disobediently went to other department’s assigned spaces to  catch up with friends . Other colleagues began to bounce  a small ball around to each other in a game of mini foursquare.  One of my co-workers poked me and uttered some unrecognizable verbal sound. After a couple of minutes, a man on the megaphone signaled that this was just a drill and instructed us to orderly re-enter the building.

This was a scene I had witnessed many times in my life. However, these scenes were characteristics of my elementary school days. I never thought as an adult I would be participating in the same scenes as I did as a child. It’s as if Act 1 in this play became Act 4 and the play never really progressed into a story that led to an end. It just repeated and repeated on an infinite record player.

These elementary scenes were not just isolated to this particular moment — there were others:

I cried in front of people. As a child I did this very often. Either as a result of wanting to get my way or just because I didn’t get my way. I had no qualms about it depending on who was around. As I grew older, I thought this behavior should be left behind, after all ” big girls don’t cry”. But I did it recently.When I did it as an adult, it wasn’t of childish reasons. I shared something with people that was emotional and I responded as such. Now, I don’t think you should be a weeping willow, but I good cry around people who care about you once in awhile doesn’t make you less of an adult — it makes you human.

I did something stupid.  I took a non-calculated risk that almost left me in a horrible position. I thought adults never do that! By the time you reach adulthood you should have learned from your mistakes from adolescence, and by this point you should be taking it easy and going after those calculated risks tied to a huge payoff. I was wrong. In adulthood you will continue to  make mistakes , HUGE mistakes. The important thing is to learn from them.

I played around without inhibitions. When I participated in an activity, I still somehow think I’m invincible and if I get hurt I could use one of my many lives I’ve acquired during play like in Final Fantasy 7. However, it does not work that way. We are given one body and one life, we can’t jump off cliffs and not consider the risk of possibly cracking our heads open on a jagged rock in the water below.

I’m sure I’m just preaching to the choir , but if not, I hope the heads up does some good.

What is your idea of being an adult? And how has that changed as you’ve gotten older?

Life is beautiful. Period.

Check out this post by a blogger I just read on the Interwebs of WordPress. The title says it all. Life is beautiful. Period..

Laugh for today

In case you haven’t had your laugh for today check this out!

Get up and brush your teeth

Just 20 minutes ago I felt stressed out with life. There was just so much to do. I had to finish studying for the GRE, write a rent check, figure out other major changes in my life, write a blog post, get ready for bed and more and more and more— so many things! I just felt like everything was swallowing me up and I was about to drown in a sea of responsibilities. Then — I got up and brushed my teeth.

This one simple act in series of activities that is my bedtime ritual inspired me to do more. I finished getting ready for bed,  wrote the rent check, I am now writing a blog post, and my stress abated.

Sometimes when faced with anxiety and stress you just have to get up and brush your teeth. Start doing something that moves you forward. Lying in your bed stressing about things isn’t going to solve anything. Do something to be a catalyst for getting things done.

What is your “brushing your teeth” activity?

Summer Workout Playlist- August

Whew this summer has flown by. I can’t belive I’m making an August playlist. Albiet, I think summer technically continues on into September, so I’ll maybe make the last one then.

So you know the deal. Preview the songs here and run on over to iTunes or any other place to purchase and load the music on to your portable music playing device.

Warmup/Cool down      

Phoenix – Lasso- They are becoming one of my favorite bands

No hands- Waka Flocka Flame

Keith Urban- Days go by- A favorite from my undergrad days in NC

Dance or Die – Family Force 5 – They are a little eclectic but the music is good

Give A Little More- Maroon 5




Party Rock Anthem- LMFAO- Fun dance song

High of 75 – Relient K- Always gets me feeling good

Kids – Sleigh Bells – Really like them!!

Little Lion Man – Mumford and Sons – Love!

I Do Not Hook up – Kelly Clarkson