YOGA FOR HEALTHY LIFE

YOGA is a science. Like all other sciences it is based on observation and experiment. This method of observation and experiment is regarded in the west as a distinctly modern innovation, but as a matter of fact it was adopted in India in very ancient times by the â??RISHISâ?, or seers of truth. Through the process of close observation and constant experimentation, they discovered the fine forces of nature, as also the laws that govern our physical, mental and spiritual well being. The truths thus gained through their own experiences and investigation, they wrote down in Upanishads, preached in public and expounded to their pupils.

â??PREVENTION IS BETTER THAN CUREâ? it is the famous quotation and meaningful quotation..

Yoga helps us to not only prevent from the diseases; it also helps us to cure some of the common diseases.

Yoga is the only branch that has exercises to make us fit in a physical, Physiological, and psychological manner.

ESSENTIAL OF YOGA PRACTICES:

In order to derive the full benefits of yoga it is necessary to understand the following requirements and principles related to its practice.

TIME:

Though the morning time, before breakfast, is regarded best for practicing yoga. One can do it also in the evening or at any other time provided the stomach is empty and not heavy with food.

The individual should select a time which is convenient for his daily routine and should try to do yoga at the same time everyday. A practice for atleast 5 to 6 days in a week should be enough to show improvement.

PLACE:

Practice yoga on the floor. Avoid chowki (Or Bed). Use a carpet, rug, blanket, or mat on the floor. The place of practices should be neat, clean and well ventilated.

SILENCE:

One should maintain silence while doing yoga. Any conversation, mental activity and even listening to music should be avoided.

REST:

Two types of Rest:

1.Short Rest

2.Long Rest

Short Rest:

The short rest should be for about six to eight seconds only. This is taken between two rounds of asana, or between one and the other asana. The Shorter restis completed by breathing twice at the completion of one round of a posture

Long Rest:

Long Rest comes at the end of all the asanas, pranayamas and other kriyas which one does at a stretch. The general principle is to devote one fourth of the actual practicing time for this rest. For e.g. : If one has done yoga for 20 minutes , the rest at the end should be for 5 minutes

DRESS:

There should be minimum clothes on the body while doing yoga. Male practitioners can wear half pants or pyjamas along with an underwear. Ladies can wear saree, slacks or stretch pants with blouse. In winter, light woolen clothes may be used while doing yoga.

BATH:

It depends on the convenient and personal choice of the practitioners to bath either before or after the practice. For taking a hot bath after yoga practice one must wait for about 15 minutes

METHOD OF PRACTICES:

In order to obtain the fullest benefit of yoga, one must practice in a proper way. Since yoga is the scientific systems it requires to be done in a specified manner. What is more important here to mention is that though every one cannot practice all the postures which perfection, they can certainly follow the method of doing them without any difficulty. Therefore the advice is;do yoga according to the limits of your body. Do it only as much as you can. You need not be perfect in form. If you cannot do the full form, do half it or even less

FEMALE PROBLEMS:

Female practitioners should avoid the yoga practice during menstrual period and during advance stage (After 4 month) of pregnancy. Pregnant women may practice yoga under proper care and instruction of a yoga experts.

HOW MUCH YOGA? :

Yoga can practised for a longer time in the winter season than in summer . Maximum times devoted for actually practicing yoga should not exceeed 45 minutes in a single day of winter. In summer maximum time for actual practice should be 30 minutes.

DIET:

Foods have been divided into 3 categories

1.RAJASIK

2.TAMASIK

3.SATTVIK

First 2 categories is not suitable for yoga practitioners. Third one, SATTVIK, is highly recommended for the yoga practitioners,

QUALITY OF FOOD:

Eat not more than 85 % of your capacity. In other words always keep some space left in your stomach after dinner.

WATER:

Yoga practitioners should drink about 5 lbs (10 to 12 glasses) of water everyday. Water should be not taken at the time of eating, but after half an hour of eating..

Before starting yoga practice we should know the above the factors then only our yoga practices will be meaningful and beneficial one.

YOGA AND HEALTH BENEFITS:

1. PADMA ASANA

2. PASHCHIMOTTAN ASANA

3. MATSYA ASANA

4. ARDHA MATYENDRA ASANA

5. HALA ASANA

6. BHUJANGA ASANA

7. DHANUR ASANA

8. SHALABHA ASANA

9. SARVANGA ASANA

10. PAWAN MUKTA ASANA

11. TARA ASANA

12. VRIKSHA ASANA

13. SURYANAMASKAR ASANA

14. SHAVA ASANA

HEALTH BENEFITS: (PREVENT FROM THE DISEASES)

PHYSICAL:

1. MUSCULAR STRENGTH

2. FLEXIBILITY

3. POSTURE IMPROVEMENT

PHYSIOLOGICAL:

1. NEURO MUSCULAR CO-ORDINATING

2. CARDIO RESPIRATORY EFFIENCY INCREASES

3. CIRCULATORY SYSTEM BENEFITS

4. EXCREATORY FUNCTION IMPROVES

5. IMMUNITY INCREASES

6. ENDOCRINE SYSTEM NORMALISES

PSYCHOLOGICAL BENEFITS

1. SELF ACCEPTANCE AND SELF REALISATION

2. SELF CONFIDENCE

3. FREE FROM ANXIETIES ,STRENGTH AND TENSION

4. PEACEFUL MIND

5. SOCIAL ADJUSTMENT

YOGA CURE FOR COMMON DISEASES:

In the Medical system on external agent (medicine) does the corrective work, in the yogic system this external agent is not needed at all .It is the patient himself whose personal understanding, practice and care cure his diseases in the yogic system

In certain cases, the medicine provided them immediate relief, but not a lasting cure. On the other hand, a great number of such patients achieved permanent cure through thereaptic yoga within in a period of two or four months .This has specially been so in case of diabetes, arthritis, asthma, gastro intestinal disorders, nervous tension and various other cases.

YOGA HELPS US TO LEAD A HEALTHY LIFE

The question has two interesting elements. First, it asked who should be able to see the information. Although it did not ask whether insurance companies, for example, should be able to use results of the genetic tests in deciding coverage or rates, a likely interpretation by many respondents was that having access to the information could lead to some (possibly adverse) action. Second, life insurance companies are the only entities on the list that are not involved in providing or reimbursing for health services. Even with these caveats, the 25% figure is consistent with our earlier surveys reported below.

The second major piece of research attempted to measure the actions of at-risk individuals rather than general public opinion. Zick et a1. studied 105 women age eighteen to fifty-five years from a large kindred who had undergone research genetic testing to determine whether they were carriers of a breast cancer mutation (BRCA I), Of these women, twenty-eight tested positive and seventy-seven tested negative. A control group consisted of 177 women from the general population who had not had genetic testing but who had at least one first- or second-degree relative with breast or ovarian cancer. The study followed the women for one year to ascertain whether they differed in life insurance-purchasing behaviour based on genetic information. In other words, would a woman’s knowledge of her genetically increased risk of breast cancer lead her to purchase more life insurance or adverse selection?

The authors found no differences in the number of life insurance policies purchased or coverage levels between women in the study kindred and those from the general population. Neither family history, testing status, nor participation in prior BRCA 1 research studies had an effect on purchasing life insurance.

The authors recognized, however, that the study had some clear limitations, including at least the following:
(1) the Utah study population was quite homogeneous and consisted largely of active members of the Church of Jesus Christ of Latter Day Saints;
(2) only twenty eight women tested positive; and
(3) the one-year follow-up period may have been too short. Nevertheless, at a minimum, the study failed to find evidence that adverse selection in life insurance would be an immediate and widespread reaction to knowledge of a genetically increased risk of breast cancer in an at-risk family.

Third, another study assessed the effect of genetic testing for breast cancer risk on the life insurance purchasing behaviour of women in a university-based breast cancer clinic from 1995 to 2000 (Armstrong et al. 2003). Surveys were mailed to 1,186 women, 926 who had participated in the clinical risk assessment program and 262 who had tested positive for a BRCAl/2 mutation through a research testing protocol. The questionnaires asked about current life insurance coverage, changes in life insurance made since going through the program, and occurrence of life insurance discrimination since participation in the risk assessment. A total of 709 questionnaires were returned, but only 636 respondents were deemed eligible for inclusion in the final study cohort.

Almost half the women expressed concern about future life insurance discrimination if they underwent genetic testing, and this fear was a leading reason for refusal to undergo testing. Despite the fear, however, there was no evidence of actual discrimination. Thirty-seven women (6%) reported changing their life insurance coverage after genetic testing or counseling, with twenty-seven increasing coverage, six decreasing or canceling coverage, and four not specifying their action. Women who increased their coverage were more likely to have tested positive for a BRCAl/2 mutation.

Many websites talk about why people should have term life insurance, but very few give actual numbers about how much it costs. On November 15, 2006, Insure.com published the results of a survey designed to find the lowest rates for level term life insurance from among 25 life insurance companies rated “Superior” (A++ and A+) or “Excellent” (A and A-) by A.M. Best Company, an independent rating service. The survey found that rates had fallen to all-time lows, with consumers paying as little as $108 a year for a 10-year, level term policy with a death benefit of $250,000.

As is often the case with health insurance, only the healthiest and slimmest people can qualify for the lowest life insurance rates. For example, a 6-foot-tall man can weigh no more than 206 pounds to qualify for the lowest price. The rate goes up with weight. At 215 pounds, a man would pay as much as 30 percent more than the minimum rate. Other factors that can prevent an applicant from receiving the lowest rates are blood pressure, cholesterol levels, a history of heart disease in the family, the use of tobacco within the last five years (except occasional cigar smoking, in some cases), and even a poor driving record.

Rates are going down because life expectancy is going up. According to a 2007 report by the National Center for Health Statistics, life expectancy at birth rose to a record high of 77.8 years in 2004. When people live longer, they pay more premiums to their insurance companies. In addition, the companies have more time to earn money with the premiums before having to pay the death benefit. The insurance companies also pay fewer death benefits, since fewer people die in a given year. In 2004, for example, there were 50,673 fewer deaths than in 2003, the largest single-year decline in raw death counts since 1938. Some of the saved death benefit money shows up as profits, and some is used to reduce rates.

The survey priced ten-, twenty-, and thirty-year level term life insurance policies with death benefits in three popular amounts: a quarter of a million dollars, half a million dollars, and one million dollars. Life insurance quotes were obtained for people aged thirty to seventy, in five-year increments.

The youngest people received the lowest rates, of course, because they are expected to live the longest. Both 30- and 35-year-olds could buy a 10-year, $250,000 policy for $108 a year and a 20-year, $250,000 policy for $153 a year. 30-year-olds could get a 30-year policy for $228 a year. The price for a 30-year policy for 35-year-olds was $250 a year. Prices for men and women this age are the same for a policy worth $250,000.

Prices go up with the years. Compared to rates for 35-year-olds, rates for 40-year-old women are 17 percent, 25 percent, and 30 percent higher for 10-year, 20-year, and 30-year policies, respectively, at the $250,000 level. Rates for 40-year-old men are the same for 10-year and 20-year policies, but increase 26 percent for 30-year policies. Men pay less than women for a 30-year policy at this age because women are more vulnerable to cancer at an early age than men are. Both men and women pay $130 a year for a 10-year policy and $203 a year for 20-year policy. Men pay $335 a year for a 30-year policy, while women pay $355 for a 30-year policy.

The statistical blip disappears by age 45, never to return: Women will never pay more than men for any term life policy. Women and men both pay $183 a year for a 10-year level term policy at age 45. However, women pay less for 20-year and 30-year policies: $318 a year and $428 a year for women, compared to $340 a year and $520 a year for men.

At 50, women and men still pay the same amount for a 10-year policy: $263 a year. Men begin to pay substantially more than women of 20- and 30-year policies: $510 and $768 a year for men, compared to $370 and $585 a year for women.

Starting at age 55, men pay more for every term at the $250,000 level. For example, men pay $403, $773, and $1,550 a year for 10-, 20-, and 30-year policies, respectively. Women pay just $345, $580, and $1,080 a year for the same term policies.

Prices also go up with death benefit amounts, but the increases are not proportional. A 10-year term policy worth $1 million does not cost four times as much as a 10-year policy worth $250,000. This is because the costs associated with creating and maintaining a policy are the same for the insurance company, no matter what the death benefit is. In this sense, policies with higher death benefits are a bargain. For example, at the $1 million policy level, a 30-year-old man will pay $230, $420, and $710 a year for 10-, 20-, and 30-year term policies. For 4 times as much of a death benefit, a 30-year-old would pay only 2.12, 2.74, and 3.11 times as much in premiums each year, depending on the length of the term.

Keep in mind, too, that $250,000 or even $500,000 may seem like a lot of money when a policy is taken out, but if the death benefit is paid 25 or 30 years later, the death benefit will not seem as large, due to the affects of inflation.

Whatever term or amount of insurance a person is shopping for, the declining death rate means term life insurance is becoming more affordable every year.

Life insurance is almost certainly a valuable investment for your dependants, and anyone you have chosen as a beneficiary. If you are a financial provider to a home, then it is imperative you leave behind something when you are gone so that they will be able to look after themselves without your financial assistance. It can be difficult to determine exactly how much life coverage you need to ensure that your family is well taken care of. There are some factors which you need to take into consideration.

Firstly, in order to determine how much coverage you need, you need to assess your life value. This may sound like an odd thing to have to consider, but it is very important. You do not want the money that you leave behind to be insufficient. Even if it seems like a huge bulk sum, it could be that you have debts or bills eventually one day that are far exceeding the payout amount. In that case, your beneficiaries will not get any money at all. This is why it is important to analyze your debt situation before you decide on how much cover you want. Remember not to only assess how much debt you currently have, but also how much debt you could possibly incur in the future.

If it is possible, try and draw up a list of your debts and also a list of any future debts you anticipate that you could incur. Only in doing this, should you decide how much life insurance you need to take out. Furthermore, you will want to determine, if you die an untimely death, how much money will your family need to survive. Work out your monthly contribution to your home, and also, any future education costs or unexpected expenses.

Remember that you can have more than one life insurance policy. This helps you divide up amounts for your beneficiaries or for your debts. Some people take out a life insurance policy earlier on in their lives, and then seek out a second one once their financial situation improves, or they have more children. There is nothing wrong with having as many life insurance policies as you can afford. Remember to never take out another policy if you doubt you will be able to pay it. This could cause you a problem later on and a lot of wasted money in policies if you find that you cannot pay.

Before you take out life insurance, you need to speak to a broker to ensure that you understand all the options that are available to you. Try to obtain more than one quote so that you are making an informed decision when you do take out your policy. Remember to have a Last Will and Testament to back up the policy, so that there are not any problems on the payout process.

It is never too late to get a life insurance policy. Of course, the earlier you start out, the better, but you can obtain a life insurance policy at any age. The younger you are, the cheaper your premium will be! This is why it is important to seek it out as soon as you are able to. You needn’t think it is something that will be completely unaffordable, as there are ranges of premiums for you to choose from, depending on the payout you want for your loved ones when you pass.

The first thing you need to do is to gather together your necessary information. This will be your ID number, your address, and your company details. It is important that you get more than one quote to work with, so that you are making an informed decision. If you are a woman, there are some life insurance companies that cater solely to your needs, with added bonuses for the birth of your children. Fill in the quote forms on some life insurance company websites on the internet, and you will receive a response soon. They will usually phone you back and request further information. This can get quite in depth, and you may be asked many questions about your health history, your lifestyle choices and more. It is important that you are completely honest, to prevent any problems with the payout of your policy when you pass away.

When you are seeking out a life insurance policy, it is important that you are clear about what you want from the policy. Think carefully about the amount of money you feel your beneficiaries would need once you pass away. If you want a payout for funeral costs, then you must ensure you query about this with your insurance broker. There are also added extras you can consider into your policy, such as a savings benefit. This is where you pay a bit extra on your policy and save money every month in a special account. You can also extend your coverage to disability and functional impairment coverage. This means that you will also receive a financial payout should you become disabled or unable to work.

Once you have gathered together your quotes and the information you need, carefully consider your affordability. You will naturally want the largest payout possible, but do not ruin your own financial situation right now. Even if you can only afford a small premium right now, with a decent payout, you can always increase the premium and the payout amount as the years go by! You need a good idea of who your beneficiaries will be, and their details, such as their ID numbers. These are the people who will be paid the money once you pass away.

Getting life insurance will be one of the nicest things you can do for your family once you are gone. The death of a loved one can be an extremely sad and traumatic time, the last thing you will want if you are a financial provider, is to have them worrying about money! This will make the stressful time a little bit easier for them, and will also give you peace of mind in knowing they will be looked after when you are gone.