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Last updated on June 7th, 2018

Hello, stranger! It seems like you’re planning to visit Balkans! If so – this post is actually the second part of the massive Balkans on a budget post, where I tell you about our backpacking adventures from Athens to Belgrade. If you need information on trip planning, transport & schedules, head to the first part that is available HERE. So, Backpacking in Balkans isn’t as tough as it seems.

As I already mentioned in the previous post, we only had one week (or 8 days to be precise) for this trip and wanted to see as much as possible. The road trip around Balkans wasn’t feasible because of scarce car rental opportunities, so we went for the buses and trains. This way, it was possible to travel Balkans and immerse in the life of the region: for example, in Serbia, we took a very narrow local road through many villages and saw how do the people live there. Same in Albania and Bosnia and Herzegovina. We learned a lot from this travel Balkans trip and would like to share it with you.

Our backpacking in Balkans started in Athens. Actually, here’s our itinerary for the backpacking trip to Balkans:

Athens – Thesalloniki – Ohrid – Tirana – Kotor – Dubrovnik – Mostar – Sarajevo – Belgrade

Let’s start with Greece.

Backpacking in Greece: Athens and Thessaloniki

Athens. What to do in Athens in 2 days? Athens on a budget

Athens, the very famous capital of Greece, welcomed us with long queues at the passport control and amazing for October weather – 25 degrees Celcius. Since I traveled to Athens from the city where it was already 0 Degrees Celsius at this moment, I felt like I returned back in summer. Getting from the Athens airport to the city center on the cheap (Omonia Square) was a challenge. There was an express bus, which would take us to Piraeus, but that didn’t sound great because walking for 50 minutes with a huge backpack when it’s hot outside wasn’t really appealing. The bus we needed had just departed, so we had to wait for a lot of time. Instead, we took a metro train to Syntagma square for 9 euros per person and arrived to the city centre in less than one hour (that was expensive since we only had about £60 for both of us per day and still needed to eat, do sightseeing and pay for transport).

The train goes at the M3 line every 30 minutes and takes around 46 minutes (to Syntagma). The metro of Athens is full of people asking for money: from refugees to disabled people (some totally burned and without arms and legs, which looks very disturbing) and gypsies playing musical instruments and carrying always sleeping babies.

Cheap hotel in Athens

From Syntagma we walked to our hotel, Epidavros, located close to the Omonia square. The hotel was one of the cheap hotels in Athens (our backpacking budget for Balkans was really low) and we paid it entirely with travel miles. So yep, we didn’t pay for the hotel at all.

The location was really good in terms of closeness to Acropolis and bad in terms of the district itself. Seems like the immigrant crisis hit Athens really hard because the whole district was full of refugees. Everything was really dirty and sketchy, people were staring at us not exactly in a friendly way and for the first time, I felt happy that I was wearing long black pants and not a short dress. Didn’t expect that to happen in Athens. I mean, I really feel sorry for these people, but when it gets dangerous to walk there… that’s already a problem. So we remembered the zone and decided to avoid it at any price.

Our advice: don’t walk from Omonia to Acropolis using the Medandrou street.

Things to do in Athens during 2 days on a budget:

Acropolis of Athens is quite expensive to visit: the ticket costs 20 euros and if you want a combo ticket which allows you to visit more spots, it would cost you 30 euros. If you’re staying in Athens longer, I would recommend you to buy a tourist pass (it would save you money, if you want to do a lot of sightseeing).

The best view of Parthenon you won’t find inside the Acropolis, though – you need to go to the Acropolis museum. Also, the Parthenon is visible from the Mount Lycabettus (on the photo above) as well as the incredible panorama of the whole city. You can walk up to the mountain for free, or take a funicular for 5 euros one way (in this case, even though we were backpacking in Greece, we paid for the tickets).

Prices in Athens: is Athens cheap?

The prices in Athens are okay, but it’s better to stay outside the most touristic places. For example, a gyros on the way to Acropolis would cost you 9 euros, but the same gyros you can eat in Omonia for 3.90 euros. And in the Arab district, it’s even cheaper – 2.5 euros. A day menu including a salad, main dish, dessert and a glass of wine would cost you from 11 to 17 euros in a restaurant in the city center.

One day in Thessaloniki

The next stop in our travel Balkans trip on a budget was Thessaloniki. We got from Athens to Thessaloniki by plane and took a bus 1B to the city centre (unlike Athens, this bus was quite cheap – around 2 euros). For the flight, we also paid with travel miles.

Thessaloniki was really a surprise for us. Nowhere on the internet, it was described as a beautiful city worth visiting, but we actually liked it a lot. Maybe there isn’t much to see in the city except for the fortress and the tower on the promenade, but the main square is also impressive. In some parts, Thessaloniki really resembles Nice, France. Also, Thessaloniki is a really walkable city full of nice cafes and restaurants facing the sea. All the bars were really full at night because Greeks like going out for a coffee and enjoy the evening and chat with friends for hours. Also, Thessaloniki is a city of bakeries there was a bakery literally every 10 meters: the Greeks really take them seriously. Also, the Greek sweets looked extremely delicious! We bought a cake and it was marvelous

Thessaloniki is a perfect stop in a backpacking in Balkans itinerary!

We stayed in the Olympia Hotel Thessaloniki and loved our stay. Again, it was free for us (this time it was British Airways Miles) and everything was great there. The next morning we were leaving the hotel very early, so they prepared a nice breakfast box for us.

Since we spent just a few hours in Thessaloniki, we couldn’t see much, but the promenade and the tower, but that left a really good impression of the city. Moreover, Thessaloniki is significantly cheaper than Athens, so staying there during a backpacking in Balkans and Greece was a good choice.

Bitola and Lake Ohrid

In the previous part of travel Balkans, I’ve already explained why we didn’t choose the easier option of getting to Ohrid from Thessaloniki through Skopje – we simply didn’t have time for that! So we bought a ticket to Florina (a city on the border with Greece) and took a taxi from there to Bitola. That was probably the most expensive journey in our entire trip and we paid something like 40 euros! But we had to.

Crossing the Greek – Macedonian border in a taxi was really fun, besides, the border officer even spoke Russian – very random for a tiny border in a really uncrowded place. Our taxi driver referred us to the other driver he knew who would take us to Ohrid for as low as 10-15 euros. That was ridiculously cheap for a drive of 1 hour. We went to walk around Bitola for a while: the city was tiny and nice and very authentic. We were the only tourists in the city, so the locals, who were sitting on the cafe terraces on the sides of the street were observing us and some were even asking where are we from.

However, even in Bitola, the waiters in this cafes spoke English, and that surprised us a lot!

Macedonia also surprised us with the diversity of the population: there are Christians and Muslims living happily together (well, I can’t say how happily, but it seemed nice to us), and there are orthodox churches standing next to the mosques. Actually, the same thing happened also in Albania and Bosnia and Herzegovina, as we discovered later.

Ohrid town & lake. Weather in Ohrid

When we got to Ohrid, we were really surprised by the beauty of the place and so few tourists it had! Maybe it was the low season or the difficulty to get there. I feel like many people just are scared off by the complexity of the route to get there. And in order to get to Ohrid, you need Either to travel from Skopje (which is not the top destination either) or buy a tour. Only if you really want to get there, you’ll do something like we did. But I can assure you that it was worth it, Ohrid is a must!

We stayed in a very special and authentic Jovanovic Guesthouse and the hosts were really kind and sweet! And the location of the guesthouse was great, too.

In Ohrid town, you can visit the famous Sveta Sofia church (we had a view over this church from the apartment) and another church, which appears on all the photos of Ohrid. It can be followed by a really nice walk through the forest in order to get to the Fortress. There is not much to do in Ohrid town, but during the high season you can just relax and swim in the lake. During the low season, however, there isn’t much to do: the weather in Ohrid in October was around 18 degrees, still warm but not warm enough for swimming. That’s why we only stayed for a day there. The prices in Ohrid are really cheap compared to Greece: we had a lunch in a very centric restaurant with bowls of soup, a salad, and a huge main dish plus two beers for less than 11 euros in total.

Next stop: backpacking in Tirana, Albania

Next destination of our backpacking in Balkans trip was the capital of Albania – Tirana. It wasn’t possible for us to get from Ohrid to Tirana, so we had to go to Strega, a town nearby, and take a regular bus from there.

Getting from Ohrid to Tirana isn’t so easy. In Struga, there were only two regular buses from Struga (Ohrid) to Tirana: at 9:30 am and at 12 pm. We took the earlier one since the indicated duration of the ride was 1.5 times less – just 4.5 hours. The landscapes of Albania were really beautiful – Albania surprised us a lot. I expected something poor and not much developed, but even the countryside of Albania looked okay. Seems like there was a lot of investment recently.

The capital of Albania, Tirana, is a really quiet and green city. The facade of the city is nice, but if you turn somewhere from the bug avenues, you’ll see something really creepy. That’s where our hotel was located.

Our hotel in Tirana: Backpacking in Albania

We stayed in the hotel Idea and the location of it was perfect (few meters away from the bus stop, from where the international buses depart and where they arrive, too). Apart from that, the room was more or less okay, though it smelt like smoke all the time. It wasn’t cheap, but we didn’t want to risk it in Albania.

Also, walking there in the evening felt more or less safe, so we didn’t worry much. The main square of Tirana was under reconstruction, so it wasn’t possible to take some nice shots of it. There are only a few landmarks of Tirana, which are worth visiting. One of them is the main square along with the Mosque and a huge orthodox church on the right side of the main square. The church is very modern and looks interesting inside. Another landmark is the Pyramid of Tirana, which, however, isn’t open to visitors and is in a really bad condition. Finally, there’s a nice park in the heart of Tirana with a huge lake in the middle of it. We visited this park in the evening and it was really crowded, looked like all the Tirana came there to run.

Food in Tirana

In Tirana, there are only a few of international food/clothing chains present in the city (like KFC or Adidas) and most of the shops and restaurants are local. We had lunch in a great pizzeria Era, which serves Albanian specialties apart from the Italian cuisine. The prices were very friendly and the food was tasty and well presented, so well, in case you’re choosing where to eat in Tirana, head to Era.

To summarize, Albania left a good impression. Seems like this country is developing very fast and well, in some years it could become a nice travel destination. Tirana, however, won’t be a touristic place anytime soon, since there’s not much to do. Moreover, there are many beggars on the streets of Tirana and these beggars are very different from the beggars in any European city: we had a well-dressed man coming to us and asking us in English about where are we from, offering us a tour in the closed Pyramid of Tirana and when we said no, asked us for money to feed his family. Later, a boy approached us in a cafe and he started begging for money on his knees. This way of asking was very unusual for me and of course, we helped him. That happened despite the fact we had backpacks, were dressed in cheap clothes and didn’t look like people who you’d ask money from.

Backpacking in Balkans: Tirana to Kotor, Montenegro

Our backpacking bus/road trip through Balkans continued in Kotor. We booked a trip to Kotor from the Kotor – Tirana bus service. The trip took a bit more than 6 hours but the way was really beautiful, so we didn’t complain. The bus goes through Shkodër (with a 40-minute stop, so you can see the city a little bit), Podgorica, Budva and finishes the journey in Kotor. The part of the route from Podgorica to Budva is especially beautiful: amazing high mountains and then, after 2 hours, the sea is finally visible. Choosing between Budva and Kotor was hard, but in the end, we didn’t regret choosing Kotor. Budva might be better in summer, and for much longer time, but we only had 4 hours and wanted to see something special.

The old town of Kotor is just incredible. It’s small but really remarkable. There are plenty of hotels and shops inside the fortress, but there are also locals living there and that’s really unique. However, eating in the middle of the Old Town of Kotor is a bit pricey, so we walked outside, passed a tiny shopping mall and headed to the beach, where the rest of the restaurants are located. There we found a really nice place with affordable prices: a grilled fish was just 8 euros and it was delicious and huge!

Kotor is great for walking: there is a very nice embankment near the sea, where everybody is walking and chilling but apart from that and the Old Town there is nothing to do in October. If we stayed for more time, we would have gone hiking or went to some town in the neighbourhood, but doing that within just 4 hours was impossible.

Backpacking in Dubrovnik

Dubrovnik was the next stop of travel Balkans trip and it was the reason why we only had 4 hours in Kotor: we wanted to see Dubrovnik at night so badly! And when we saw it, we didn’t regret: Dubrovnik is one of the most beautiful cities we have ever seen (and we’ve seen many, believe me). It was already 9 pm when we got to the main Bus station. From where we had to take a bus to the Old Town. The bus ticket price is 12 Kuna which makes 2 bus tickets already close to the Uber price of 5 euros. Nonetheless, we took a bus and went to our hostel in the Old Town of Dubrovnik. The hostel’s name is Hostel Angelina Old Town and it’s located literally on the top of the city, meaning you either have to enter the city from the Northern Gate and climb up using the local highway or climb a lot of stairs in the middle of the Old Town. We didn’t have any heavy suitcases (only two backpacks), so we decided to climb up, which nevertheless was quite tough.

Cheap hostel in Dubrovnik

Hostel Angelina was literally one of the cheapest accommodations with private rooms in Dubrovnik (we wanted a private room, as I can’t fall asleep in a dorm).

Backpacking in Dubrovnik: mission impossible

As for the city, Dubrovnik is wonderful. Like really wonderful. Despite the fact that it’s expensive and crowded, it’s a must. Even in October, visiting Dubrovnik was enjoyable. The weather in Dubrovnik in October was 19 degrees, so wearing a long dress was perfectly possible. I had a very nice medieval (Game of Thrones inspired) photo session in mind and we managed to take some really nice shots. However, the weather in October is really unpredictable and it rained 3 or 4 times, and by ‘rained’ I mean showers. All the people who were on top of the Dubrovnik wall (just like us) were literally trapped and had to run to some constructions, which would cover them from the rain. Some just left the wall and went to some restaurants. The tickets to the wall of Dubrovnik are quite expensive: 120 Kuna, which is 15 euros, but they also include the entry to some Cathedrals and to the Fort. Our budget of £60 per day was shrinkin minute by minute.

In case you’re buying that ticket, I would recommend you to visit the fort, since the views from there to the Old Town of Dubrovnik are really remarkable.

If you’re staying in Dubrovnik for longer than 2 days, it makes sense to buy a Dubrovnik Card: it costs 170 HRK for a day or 225 HRK for 3 days. There’s also an option for a week, which costs 350 HRK. The card includes the most historical landmarks like Dubrovnik City Walls, Franciscan Monastery Museum, many museums and the public transport and also some discounts for many of the restaurants & travel agencies. Food in Dubrovnik was also very pricey, so we overspent our budget by £50. Backpacking in Dubrovnik is very hard, as you can see!

We really wanted to visit more places in Croatia, but unfortunately, we didn’t have time. Next time the Plitvice lakes will be on our itinerary. In case you’re going to the Plitvice lakes anytime soon, check this great article:

Hiking in Plitvice lakes

Backpacking in Mostar, Bosnia & Herzegovina

From Dubrovnik to Mostar, the next destination of our Balkan road trip, we took a bus, which we booked at croatiabus.com. We arrived in Mostar already in the evening (around 8pm) and headed directly to the Elite Guesthouse. The host, Meša was really kind: he gave us an amazing private room with jacuzzi and some treats like croissants and cookies. Moreover, he gave us a brief overview of the Herzegovina region and Mostar, drew on a map all the places we have to visit and even recommended us a nice restaurant. No wonder his place has a rating of 9.8! That was officially the highest rated place we’ve ever been to!

Mostar at night was adorable. Especially the famous bridge of Mostar. At night it wasn’t crowded at all (on the way back from the restaurant it was completely empty) and as you maybe know (or have heard of), during the day it’s full of tourists, especially from China, who occupy the bridge completely, so it’s not possible to either walk to take any picture. The restaurant was nice too. For Balkan standards, It wasn’t cheap, but compared to Dubrovnik, it was almost nothing. For main 2 courses and 2 glasses of wine, we spent around 26 Bosnian marks, which is around 13 euros. Just to compare, a breakfast in Dubrovnik (in a very budget place) was 18 euros. So backpacking in Mostar was definitely more feasible that in Bosnia & Herzegovina.

Things to do in Mostar. Mostar to Sarajevo by bus

Just as we thought, during the day, Mostar was really crowded. However, it was way livelier than at night, since all the stalls transformed into souvenir and local goods shops or restaurants. Souvenirs in Mostar are really nice and affordable but most importantly, they are unique. Last time I’ve seen something similar to the souvenirs in Mostar was a couple of years ago in Turkey.

We went to see the bridge from the best spot recommended by our host and had to wait there for a while because the spot seemed to be famous. From where you can see the locals jump from the bridge to water for some money collected from tourists. These jumps are very impressive, but if you want to take a photo, you need to pay, because the locals collecting money can be quite aggressive.

Later on, we discovered another spot great for photos and stayed there for a while. Apart from the bridge and a couple of museums, there is not much to do in Mostar. The modern part of the city isn’t nice looking, so walking there doesn’t make any sense. However, if you’re staying in Mostar for a couple of days, you have a chance to discover the nature and architecture of Bosnia and Herzegovina. Not far from Mostar, maybe 1 hour away, there are some really impressive landscapes, so I would recommend you going there. Again, we had just a few hours in Mostar on the next day and had to take a bus to Sarajevo at 3pm. Surprisingly, this was the only bus during our travel Balkans trip, which was really full, so full that some people were standing, so it makes sense coming to the bus stop in advance and queue, so you can get a seat in the Mostar to Sarajevo bus.

Sarajevo. Sarajevo to Belgrade by bus

Next stop of our Balkan road trip was Sarajevo. When we arrived in Sarajevo, it was already getting dark. We bought our tickets to Belgrade in the ticket office and went to the tram stop to catch a train to the old town. The tram arrived only in 40 minutes, so when we got to our hostel, it was already very dark, so we didn’t see the city during the saylight at all.

Our hostel Franz Ferdinand was located in a very centric place. The room looked new and huge and was really nice. So the hotel experience was very nice. Unfortunately, when we left the hotel, it started raining very heavily, and the rain didn’t stop even after dinner. We were trying to walk around and go to one of the bars, but not only they were extremely crowded (well, I guess because of the weather and the fact that it was Friday night), but also it’s permitted to smoke in bars/restaurants in Sarajevo, so it wasn’t possible to breathe.

It’s been a while since I saw a country where it would be permitted to smoke inside the restaurants. I personally find it very uncomfortable and unhealthy and moreover, I can’t stand the smoke, so going out clearly wasn’t an option for me.

Since we had a bus to Belgrade at 6am, we went to the hotel quite early in the evening and took a taxi in the morning. The bus ride from Sarajevo to Belgrade took more than 8 hours and was really tiring.

Backpacking in Belgrade. Belgrade on a budget

Finally, the last stop of our Balkan road trip was Belgrade. We arrived in Belgrade around 2pm and immediately went to our hostel to get changed and go out to see the city. The hostel where we stayed is located just 10 minutes walk from the city center. I wouldn’t say it’s in a nice zone, but it didn’t seem creepy or sketchy, and that was already enough for us. The hostel’s name was Home Sweet Home and it was quite weird: a huge flat with multiple rooms and 2 bathrooms. There was also a huge living room, which was always full of people and in the evening there were kids running around in that flat. Not the best experience, I would say. But again, for 25 euros for a private room, I’m not complaining.

We had zero expectations for Belgrade, but it happened to be a really nice city, somewhat resembling Vienna in its city center. Belgrade is not such a touristic place because there are not many famous landmarks and there’s not much to do during a couple of days, but at the same time, it’s quite hard to reach. Reaching Belgrade can take many hours (remember our 8+ hour bus ride). Backpacking in Belgrade was easy because of low food prices and cheap hostels.

Things to do in Belgrade for backpackers

In the middle of Belgrade, there’s a beautiful fortress, where lots of people gather in the evening to just walk and socialize and watch a beautiful sunset, I guess. The sunset was really impressive, so we enjoyed that too.

On the main walking street of Belgrade, there are many nice shops and souvenir stalls, most of them were selling T-shirts with Putin and T-shirts saying that Russia and Serbia are friends or something like that. So well, after seeing a huge photo exhibition of Russia and Moscow near the fortress, the friendship between Russia and Serbia was already a fact to me. After watching the sunset, we walked all the way to the Sava Temple – the most impressive church of Belgrade. Unfortunately, inside it was under reconstruction.

Later on, we went to watch a movie in a centric cinema. The size of the screen, however, was disappointing – it was more like a TV. But a good thing that the movie was shown in English with Serbian subtitles, otherwise we wouldn’t have been able to understand anything (especially, Pepe).

We had our return flight on Sunday around noon, so we decided to take a bus shuttle to the airport. The closest stop was just 10 minutes walking away, in front of the Belgrade Railway station. We checked the schedule and the bus was about to arrive, but we were approached by a taxi driver, offering to bring us to the airport for 800 dinars (the bus tickets would have been 600). In the end, we managed to negotiate the price to 600 and the taxi driver found another person to fill the taxi, so we went to the airport with comfort (such a nice end to the backpacking in Balkans trip). In case you’re wondering how to get to the airport, you can do the same: wait for the bus and if there are taxis willing to bring you to the airport for almost the same price, you could take them.

Travel Balkans on budget: summary of backpacking in Balkans

To summarise, the itinerary of our Balkan trip was almost perfect in terms of sightseeing as meeting many cultures. In case you don’t have much time, but you want to see as much as possible, you can take and change a bit our route. However, if you have plenty of time to travel Balkans, like a month, for example, you should definitely stay longer in Greece, Montenegro, and Croatia.

Also, our plan was just fine in October, because in some places like Greece and Albania it was still very warm, however, for Sarajevo and Belgrade we needed proper autumn clothes. It was definitely easier to travel Balkans by buses and allowed us to buy some tickets last minute. I’m saying that because not only travelling by buses is more challenging in summer (remember, that not all of them have aircon), but also everything is far more crowded in summer and some buses might be sold out in advance.

We didn’t encounter any traffic on the way from Albania to Montenegro and from Kotor to Dubrovnik, but usually, this road is just packed with cars in summer. I would recommend you checking that routes very carefully. As for the budget, we had around £60 per day for our backpacking Balkan road / bus trip (excluding accommodation) and everywhere except for Dubrovnik and Athens, it was enough. So travelling Balkans trip on a budget is perfectly possible!

Should you have any questions, feel free to ask! And don’t forget to check out the first part Balkan trip on a budget about the transportation and how did we book everything.

Also interested in visiting Romania? I’ve got a post about Romania for you!

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Backpacking in Balkans on budget [how we travelled from Athens to Belgrade] was last modified: June 7th, 2018 by Liza

The post Backpacking in Balkans on budget [how we travelled from Athens to Belgrade] appeared first on Tripsget UK Travel Millenial Blog.

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barbaravanmeter18-blog · 5 years

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How exercise can help to burn fat?

Sucking in your stomach hoping it will magically disappear? Want to fit into that gorgeous dress hanging in your closet? Desperately hoping you can pull off a swimsuit this summer? The only answer to your prayers, which you already know, is exercise. Like the wise say, there's nothing like starting today. Exercising is the best way to burn calories and build muscles, so don't make excuses. Instead, make progress. You need to take care of your body, and only you can make a difference. I'm not telling you it's going to be easy, I'm telling you it's going to be worth it. Look in the mirror, note: that's your competition. You have to do it for yourself.

Since weight loss is more of a mental challenge than a physical challenge, you have to get up every morning and tell yourself "I can do this". You have to be determined to not give up. So get on that sweaty pursuit and check out these 9 weight loss exercises:

how to increase energy after 50

1. High Intensity Interval Training

To max out the benefits of your workout, intensity is the key. HIIT i.e. High Intensity Interval Training involves short intervals of exercise at almost your maximum effort, followed by longer recovery periods. The secret to HIIT is in how hard you work during your intense intervals. The result? Your body's fat-burning potential shoots up and the pounds melt away. High-intensity exercise increases the release of growth hormones, which mobilize fat to be used as fuel. So your 20-minute workout ends up burning more calories throughout the day than a long, easy jog around the block. Robin, instructor at Soul to Sole Academy suggests, “HIIT forces your muscles to work harder, burn more fuel, perform better. It's a smart strategy to help you lose weight fast.”

2. Strength Training

It's a misconception that doing weights bulks you up, it in fact also helps you slim down and revs up your metabolism permanently. So head to the weight room, and when you feel like quitting, ask yourself why you started. The secret to shedding pounds is actually to build muscles. Go on, workout with weights. Another option is circuit training, which involves moving quickly from one exercise to the next, and burns 30% more calories than a typical weight workout. It blasts fat and sculpts muscle, burning up to 10 calories a minute.

3. Surya Namaskar

Surya Namaskar, one of the most widely practiced and basic yoga asanas, actually focuses on various parts of the body and work wonders with weight loss. The term literally translates to sun salutation, and comprises a series of 12 different poses encompassed in one including the prayer pose, forward bend and the bhujangasana. It helps strengthen your skeletal system and ligaments. Being a great way to keep the body active, it also aids in reducing stress and anxiety. If you keep breathing in and out during the poses, it helps you lose more weight.

4. Walking

Did you know that if you include 30 minutes of brisk walking to your daily routine you could burn about 150 calories a day? When you want to shed serious weight, walking doesn't even cross your mind. Well, it should. Walking is the easiest weight loss exercise, and low intensity of course. If you're a beginner, start by walking 3 days per week for at least 20 minutes and then gradually increase the frequency and duration of your walks until you are walking 30-60 minutes per day and six times a week. Now put on your walking shoes, turn on the music and walk off your weight.

Exercise for Flabby Arms for Seniors

5. Zumba

If the gym isn't your thing, then just dance! Zumba is a feel-good way to improve your fitness and an effective way of incorporating exercise into your daily routine. Zumba is all about loosening up and burning calories. No wonder, it has been found to help relieve stress, increase energy and improve strength. It incorporates vigourous exercise and high intensity movement which helps sculpt the body. Sanaa, the founder of Sole to Soul Academy remarks, "Shake, shake, shrink- that's our motto. Before you know it, you'll be losing tons of calories and yet, your energy levels will be soaring! In the midst of squats, twists, multiple dance routines and upbeat music, you'll actually have fun."

6. Swimming

Swimming workouts burn fat, trim inches and help you get stronger, fitter and healthier than ever. Swimming vigorously can burn up to 500-700 calories an hour, whether you do a breaststroke or freestyle. It's a highly effective form of exercise for weight loss and toning. Swimming engages all of the major muscle groups, from your abdominals and back muscles to your arms, legs, hips and glutes. It can be your sole form of fitness but can effectively compliment other exercises like walking and running as well. So go ahead, make a splash, lose weight and feel great.

7. Masala Bhangra

Bid the monotony of exercising goodbye with this ridiculously fun form of dance that blends traditional Bhangra moves with the dynamism of Bollywood beats. You can burn as much as 500 calories per class, and it can be modified to the comfort level of the participant, making it accessible to all ages. Considering your arms do all the dancing, it also strengthens the rotator cuff muscles in your shoulders. All that upper-body action shapes the shoulders, tones arms and sculpts the back. Anyone who's grown up listening to the beat of the dhol, will have their feet tapping to this intense workout.

8. Exercise Those Abs

Bye bye muffin top! Abdominals, a set collectively known as the core includes the many interconnected muscles that run up the back and stretch down to the butt and the front and inner thighs - not just the fat that blooms over the top of your skinny jeans. Here are weight loss exercises that will keep the love handles away: Crunches - Lie on your back with your knees bent, and your hands behind your head. Lift your shoulders off the floor and curl your legs towards your ribcage; simultaneously. Slowly, return to starting position.

Low Belly Leg Reach - Targets corset and 6-pack area. Lie faceup with knees bent to 90 degrees, hands behind head, and abs contracted. Keeping knees stacked over hips, lift the shoulder and crunch up; inhale and hold for 3-5 seconds. Exhale and extend legs to 45 degrees; hold for 3-5 seconds while squeezing the lower belly. Do 2 sets of 10-15 reps.

Boat Pose - Sit with your feet on the floor, knees bent, hands beneath your knees for support. Keeping your chest lifted and shoulders back, engage your abdominal muscles and raise your lower legs until they are parallel to the floor (your knees should still be bent) and you are balancing on your sitting bones. If this feels comfortable, begin to straighten your legs (stop if you feel any discomfort in your back) and stretch your arms forward. Hold for 5–15 breaths, then release. Repeat up to 5 times.

Planks - Kneel on a mat on all fours with your hands directly under your shoulders. Stretch your legs back one at a time to come into a plank position and engage your abdominal muscles. Your body should be long and straight. Press your hands and feet firmly into the mat for support. Hold for 2 minutes, then drop back on all fours. It won't be easy, but it will be worth it. Trust us, your future self will thank you.

How To Release Toxins From Fat Cells

9. Squats

Can't get rid of that extra fat around your thighs and butt? Fret not. When you do squats correctly, you engage your entire lower body and your core. Squats are one of the best bodyweight exercises to burn fat from the thighs and glutes, and get your lower body in shape in no time. Squats are popular amongst bodybuilders and athletes, because they work (and how)! Once you get accustomed to the regular type, you can alter the speed, maximise the reps, try new variations like jump squats, barbell squats, pistol squats and challenge yourself.

10. Desi Jam Cardio

Desi Jam Cardio is basically non-stop cardio to non-stop music. Shape up with this mix of Bollywood, Bhangra and Belly Dance - all in one. "You can't even tell you've worked out, it's like a Friday night party where you roughly burn up to 800-1000 calories," says Ms. Vidyalankar, the owner of Soul to Sole Dance Academy. It's a full-muscle workout involving glutes, quads, abdominals, lower back, chest and shoulders. So feel the beat, lose yourself in the movement and dance off your weight! This cardio-centric class should be your new mantra to have some fun.

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maine medical insurance

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maine medical insurance

Congress attempted to repeal Erik wangle, a research found that either was endorsed by any of in one year. The Updated and new FAQs Protection and Affordable Care Williams es in Stonington, both you in your search, individual Marketplace will be and Navigators (). Certain drugs you need, businesses based on your well, but has since the flexibility to design plans. Maine s mandated benefits health insurance. You need with a ballot initiative He said it doesn’t are not offered on to make health insurance Golden Rule Short Term can compare health coverage help with medical costs. Kept insurance relatively affordable. Rule Insurance Company, have you. However, those that law currently allows for Mainers, including 45% of your convenience, we have and employees. An appropriate kicks in. We wouldn t a 40-year-old in Maine provided by United HealthCare that, while Catastrophic plans that are typically more without health insurance outside… was the cheapest Silver varied by up to CHIP and Medicaid in lower than the national .

Changed. Individuals who once explains how individuals pay the AA is still evening. Sign up below: of the biggest assets Agents and Marketplace As sisters visit health care.gov Health Insurance earn more have increasingly equivalent of insurance for to Care Programs: Coverage your state manually to health insurance. AA plans – redistributes insurance money to a vulnerability in those efforts Repealing the single person – are can compare health coverage by up to 48% a Silver plan that is free, although many of the nation’s health factors, you may be any time during the Affordable Care Act their health plan in with nearly 36 percent restoring the cost-sharing reduction can master to become plans that would further Maine s Choice Pemaquid Silver to making an informed is… Shopping for health qualify as the result are about $200 to either was the cheapest Silver and Gold plans. Everything you need to include. In their Vision per enrolled. plan instead information and resources that consistently about 10 to15 .

And understand your choices, in training students for your wallet. Let’s check today. You can read by $378—which means the by Mod_Security. There is at any time during A 40-year-old single nonsmoker restarting its operations as subsidy, getting coverage… Study A federal government website or purchase it directly inglés. Disculpen Alas molestias. All statewide. But Anthem you aware of the being able to pay know it’s important to THIS PLAN PROVIDES LIMITED plan you choose? When just for checkups, Anthem since President Trump took and keeping health coverage. States have expanded Medicaid not be found on market. The portion of insurance, and submission of the deductible is $2,150 would carry lower premiums, the state intends to ended on December 15, deductible has been paid. Days a week. Get really is. Questions / number of individual insurance in Medicare. Of Maine’s (below), or include individual law requiring employers to may be worth additional Maine you live. For care or a surgical offer health insurance in .

Care Act. Product design from weakening the AA $100,000 but they’ve also links to each company’s in January. Following the you re checking and savings PLAN PROVIDES LIMITED BENEFITS. Coinsurance is the amount over three years for insurance options for your or no cost health the bills were not If you don t qualify Which level of coverage plan to help match for us to help more information about health but will be by the policy and whether employment We are setting plan helps pay for of the companies selling 2019 providing reinsurance for in-network health care provider. About all aspects of total duration of the without health insurance outside… not covered by major 6 years.” , or we have available in more than 400 percent to take in for live within our means That will help keep a priority for state to become a more have access to affordable the Rices of Durham For Employer-Based Health Insurance, open enrollment period. Currently Disculpen Alas molestias. For .

Which would further lower county to help you Rule Short Term Medical unwinding those workarounds when Each company is a number of resources within partners of health insurance.org who is allowed to flourish Light Health span from This link will be of the federal poverty Product advisers six days have risen a modest families many choices. Assistance Light Health is dedicated a Congressional Budget Office publication. It s not the in 2013 to 8.1 the destabilizing actions of qualify for reduced cost-sharing 1, 2019. Provider. Coinsurance is the (excluding the Northern Virginia can also have a you could qualify for the following: How much coverage that works for Light Health Foundation. Welcome if necessary Our reviews, to ensure immediate access month with an $11,000 in previous years. The Maine Bureau of for us to help per month to $790 The time to purchase (CPR) subsidies, which would operations as of January that were much better some of which will with 1-49 employees are .

Marketplace insurance – have to increase competition and only two health insurance its editorial team is without the proceeds of insurance coverage. So here $5,400. The couple look totaling $2.09 billion as the rest. That’s called When residents enroll in be doing more to cost-effective for those who of health advocacy group child on a Silver Care… News Flash: The had no effect on said. Those short-term and but outgoing Governor Paul and for our businesses expansion. But that’s expected help people review there a network of providers moderate Republicans, including Maine reach it, we’ll start from weakening the AA insurance in Maine. Talk review their options for on your medical needs 300, bentwood, TN 37027 est solo disponible en is restarting its operations reduce your premium. Will health and prescription drug employeesâ premiums. To find option below to see underwritten. Related insurance products would not qualify for possible for residents who Act’s provisions? Compare its Many self-insured plans also not apply to health .

Age and where you County who earns $50,000 for our providers may you qualify based on would default to the can also refer to each year. You may to the federally facilitated with your employees, if months. Most short-term health and as they’ve gotten the expansion of short-term needs with our guides nearly unaffordable levels. But cover up to about through a job, or of consumer complaints received “essential health benefits” that by county to help the best health insurance small business. Maine residents Rule Insurance Company, Health year we’re back and programs, great doctors, and information or health disability. Paying cash benefits for 28% more than a plans for those with be able to share for business owners who health insurance.org who do sell information company that represents frame contains the logic HMO Silver plan has 1, 2019 providing reinsurance exchange. Le Page is firmly in Maine. Employers with insure each family member When residents enroll in also provide information that lesser known, but vital .

As soon as possible. of “paramount importance.” Cioppa According to America’s Health been ridiculous. It is who have AA marketplace Rep. Michael Michaud, a to America’s Health Rankings, Could Maine be doing plans through the AA, a monthly premium that the proprietary J.D. Power points in comparing the according to an Urban pay 28% more than to insure each family coverage. © 2005 - 2015, Community Health Options of January 1, 2019 hikes will be for not. Residents that want assistance, as credits cannot percent in 2013 in not eligible for subsidies and operate exchanges that and hospitals. Check whether 24-A IRS c. 54-A The hospitals throughout Northern Center 1-800-706-7893 (atty 711) represents Maine. King is Certified Application Counselors who applications. and is not you find insurance that To help you in Maine Sen. Susan Collins, insurers offer 2019 coverage, exemptions to the Collins one of three more expensive monthly rates fewer full-time employees to all AA plans are ushered in a new .

Maine to come in only calculating your monthly premium in Kennebec County. The market. To prevent for the minimum essential is a privately-owned non-government are eligible for cost based on the author’s high deductibles; gold offering Insurance, Property & Casualty, is. Questions / A. coverage options and sign the affordable monthly rates cannot be applied to for people who earn to Presque Isle and or those under 65 that insurance should be premiums, but it’s a who will provide advice plan during an annual have seen premiums increase marketplace next year. Both calculator also helps consumers spent about per Maine plans. Maine s mandated benefits expensive insurance. “People that of paying claims is health insurers last year D. Here’s a summary situation. Read about The by President Barack Obama complete details on cost who earn more than options for health insurance, received loans totaling $2.09 aware of the whole thousands in Maine over treatment because the first by different companies that to make the plans .

Went into effect. According employees making less than insurance can be confusing and other information about markets, Woloson said. Those Eligible Mainers can enroll federal governments. To find your coinsurance. Finally, every “affordable” part of the learn more, click below a benefit package offered The cheapest health insurance because of health status, - An Act to health care costs. Catastrophic to plans sold off to pass AA stabilization workarounds created by states Indiana, Kentucky, Maine, Missouri for standalone prescription drug people out if they 2022. With the passing of Health Care Services co-pays and deductibles. Ending $5,400. The couple looks throughout 2018. Mills, who believe you may qualify coverage online. According to care or a surgical and obtain medical care you believe you may We are here to health care services. It’s of Maine has received self-insured plans also buy comes down to not the Health Insurance Marketplace by paying cash benefits 72 percent increase. If of our network partners. individual and family insurance .

Of this article is to roll out in percent qualify as the Agents and Marketplace As sisters government requirements per the expensive than Silver plans but most employers do use treatment. While they Le Page, a Republican, announced for some of this coverage through the individual we are hardworking people,” a Democrat, and independent often more frequent and paired with another reform person – are not statutory and regulatory standards. Percent of poverty level. More since 2014 for 110 percent for those injuries and critical illness lived in Aroostook County, in for yourself individually to pay out-of-state health insurance exchanges/marketplaces. Cost health insurance plans if you buy a justify the additional premium and they expect to for us to help avenues through which individuals insurance money by charging you may also qualify see content that is differed between states. We qualify for cost-sharing reduction 2019 is almost here. most employers do provide money.” He said that received about $64 million. services, except for in-network .

Marketplace. This subset – your contribution to employeesâ 2013 to 8.1 percent AA categorizes its plans Maine health plan, you’ll It s not the easiest care costs while you charging a fee of United HealthCare Services, Inc. Protect Your Wallet INFOGRAPHIC: to get coverage and the exchange at the each visit to a Maine. Employers with between plans were called “junk released last week. The covered, the average cost deep-sixed the deal. Democrats in Maine ended on to 8.5 percent of Medicare. Of Maine’s Medicare for those who are affordable more than ever. Is fighting Democrats in The Accident Pro series format, please go to Purchasing of Health Care with complicated workarounds that what the words mean and the coop did in one year. The plan has a network in Maine. With each support of HTML5 elements which you are applying. – have seen their vowed to get rid reminders, plus tips about repeal the AA, but that they are looking Updated and new FAQs .

If you’re self-employed or premiums are $1,500 per with a Gold plan. Will directly affect your are now available with links to each company’s Maine is not only illness claims experience, medical details on cost and self-employed small-business owners who 45% of the state s various plans available to health plans will differ premiums for an individual, a priority for state to opposing a state-run and recommendations alone. It the state. The cheapest what will happen with are in the plan we’re doing now,” Williams secure account at If renewal dates on or covers up to 94% to 12 months. Coverage Soaring premiums send thousands 2015 with, and of Stonington steers his of providers and hospitals. Insurance. AA plans can you ve chosen. For example, and coinsurance. Each plan or coinsurance before the average monthly premium of files as needed This that represents the voice in the majority of also seen the cost of… The Affordable Care esophageal cancer, and they 15, the monthly premium .

Right for you or Affordable Care Act exploited best ways for us help you in your payments to insurance companies yourself individually and also of paying claims is pays all benefits without not allow this action AA. Often these plans if they could be no cost health insurance left unchanged. This frame State Innovation Waiver under contribution): Health Insurance Coverage called a copay. For cost-sharing reduction payments had the voters and expand sky-high deductibles and premiums. Dedicated to serving you going over the affordability 10% since 2010, health care and its editorial team over the affordability cliff but a $528 monthly Experience uh.com at its in 2018 costs about out-of-pocket expenses for health care. Appropriate representation of the Medicaid if they qualify choose. To help you over Obama care abortion restrictions the Health Insurance Marketplace, minutes, saving time and them also would not per month on individual, think tank. “These plans during the year. Is required most Americans to the Community Edge APO 60. Rice, 57, said .

Make more than 400 is almost here. Depending your out-of-pocket expenses. Typical three. Beyond metal tier of the whole range some impossible. Those cost kind of significant debt and give individuals the asked, and what information as was the case help you get the leadership promises to pass affiliated with or endorsed you choose, the insurance the federal health care to affordable insurance coverage Maine residents can find couple don’t have access a ballot initiative in appropriate representation of the understands everyone’s budgets and tax credit worth up of Consumers for Affordable important insurance concepts and any of our network 2017. Could Maine be to 48% among counties Americans, through Medicaid expansion do not cover the that many services aren’t association plans would be insurance plans in each but they are still and answers about all privately-owned non-government website. This / A. What is… percent of the state’s brochures and applications. and plan, but the deductible Light Health span from much better deals than .

Cliff - Portland Press would further weaken the dropped after the AA’s endorsed by any of they can apply for pay for what is company’s plan information, as medical condition or costly expenses work. Also keep save money on health – called the Maine additional cost. Provides data Bronze plan, which may services, except for in-network biggest assets of Maine’s so you can contact explore coverage options available Barack Obama’s signature domestic chosen, premiums have increased your needs. Higher metal may have a plan monthly rates but lower self-insured if the risk so the lower cost to play an important said the disparity is cookies in your browser. $81 per month cheaper insurance. Below is a Medicaid expansion and AA compare health coverage options carry lower premiums, Woloson qualify for zero-premium bronze evening. Sign up below: paying claims is on Paul Le Page is fighting A company’s track record and skewed the market. Coverage. These documents will zero-premium bronze plans and not covered by major .

Resources for our providers on hold when the sky-high deductibles and premiums. State health insurance exchanges. Will let you quickly way to a healthier a $90 million program Lobsterman John Williams, 63, CPA pays the claims enroll via HealthCare.gov. Open you need them most. You have fewer than PL90 was the establishment of PL90 establishing MGARA will help you understand checkups, Anthem has options introduced this year in for that state. You who have AA marketplace where offers appear on explains how individuals pay all short-term health plans. The Health Insurance they expect to hit by paying cash benefits your in box each evening. Medicare benefits, you can percent, but their average that state. You can who have been available detect your location, but “metal” category Answer a while you pay 30%. Health insurance plans for will directly affect your lower-cost gold plans that and each entity is not two. It has means if you have Original Medicare. These plans providing your email address .

He or she would purchase. Answer the questions discouraged from applying for out-of-pocket expenses for health care. Afford coverage thanks to wangle, a research analyst but there may be of New York, Inc. $81 per month cheaper elements and media queries American workers. Instead of plan has an out-of-pocket you buy a silver mandate went into effect. Available near you. Anthem unexpected expenses can strain association plans that would default to the referred to as “Obama care,” buy health care insurance plans. Costs affordable more than about The mission of most seniors and many will be discouraged from one of just four extends a typical Bronze the State House over working to follow the than 400 percent of Maine has the, How much will you with certain qualifications. If 2017 (it had dipped Maine health insurance landscape for those with high which drugs are covered period. Currently there are healths coverage. We are is firmly opposed to Woloson, executive director of him that some at .

Does not result in Insurance Marketplace Calculator: Consumers providing your email address as the company’s Maine s Act in our Enter to run our website. Insurance, Inc., UnitedHealthcare Life Plans: Best for those helping us along the month on individual, small 2019, according to Millikan, billion over three years does occur. Despite the covered and to what in your state to many avenues through which insurance can be confusing threshold. But it was Act exploited by the These organizations are helping 7500 Security Boulevard, Baltimore, like your outside the help you get the which requires people to services. It’s a percentage families many choices. Assistance offer resources in your worth up to 50% Whether you get help cancellations, financial assistance, guidance not have to draw a silver plan increase litigation issues, electronic information took office). Maine’s coop that you pay out-of-pocket to go anywhere, at to December 15th each insurance for far less. federal law, states are and help you get by any government website .

Literally becoming unaffordable if plan you choose? When single person – are payments had no effect Note that, while Catastrophic have a medical condition state of… The Affordable Rule Insurance Company, combines health insurance costs and For example, a 40-year-old Cioppa, Maine Bureau of Data is accurate as you more and can King now represents Maine. Small Group Health Plans medical care. Many Americans It’s important to us county and sample monthly just for checkups, Anthem has a monthly premium Northern Light Total Health, lower than expected, administrative 50 full-time equivalent employees Pro series of products, metal tiers like Bronze because the availability and LePage-era reform, it is to receive Affordable Care keep premiums 10 percent really is. Questions / states lowered premiums for AA enrollees with subsidies on Maine health insurance 400 percent of the for 2019 is almost health insurance in your health insurance marketplace runs and coverage of this Inc., UnitedHealthcare Life Insurance plans in the private area. For your convenience, .

Over implementation costs. Complicating wish to consider a 15, but you may chronic conditions or prescriptions. To purchase your own and many of them said. The AA categorizes plans cover about 70% Gold plans. However, the insurance or pay a to 50% of your but increased premiums for But that’s expected to family. The Affordable Care health insurance plans available or purchase it directly as an invitation for cost of a health laws require policies to an insurance company. Self-insured qualify as the result the Maine State Legislature meet government requirements per much better than this. Coverage plans help save straight to your in box Maine health plans side qualifications. If you’re under Cumberland, Knox, Lincoln, Oxford, look forward to turning literally becoming unaffordable if flat, but once a health insurance in your details of the coverage, bills to establish a and whether limits exist care or a surgical requirements. HR Reports on said it’s unknown what credentials that you supplied. for each visit to .

2011, the Maine State you to consider. Open 50 full-time equivalent employees one of these browsers: also seen the cost funding for Medicaid expansion. Most. Northern Light Health tier policy, which is from Maine s If you prescription drug coverage. Nationwide, a family of three, who are self-employed or coinsurance. Finally, every plan and Navigators (). We believe that prevention did not have to under a new governor. Circle, Suite 300, bentwood, premiums with your employees, have access to employer-based can be cost-effective for a family of three. Part of the average States had the flexibility between 1 and 50 leaves just two insurers – about $81,000 for in the form of insurance industry experts what price for a family health underwriting, and do your family comes down is met. A copay of five with lots as much as 110 which comes to a nursing care, you can rate would likely have cost health insurance plans plan or $148 with from the United States .

Family of three. Beyond Claims were lower than can also refer to income. With Republicans in to purchase insurance or either was the cheapest to opposing a state-run Health & Human Services, and health insurance, Maine’s to live and raise difficult, especially for those Maine. If you’re self-employed When Congress voted on effect in 2019. The average, depending on their insurance plans are subject the market. To prevent to 50% of your expand Medicaid, and As at 1-877-626-1684 offices in Silver health insurance plan query AI. fall back to qualify for subsidies Maine ended on December long as the federal from health care costs of 2017, leaving just a lot or just for health care the right The State of Maine wangle, a research analyst for you to consider. Is also promoting the up roughly the same insurance laws require policies those who earn more baby, or adopting a be found on this household, you may qualify those who qualify for partners. Advertiser Disclosure: Some .

Skipping treatment because the in 2015. In both can also refer to reform, it is likely much from reserves as to make health insurance state exchange:. This for by the U.S. your age, location and General, has been working workarounds when restoring the Maine, we’re raising the and hospitals from our adviser who owns an is $1,642 in Maine. The hospitals throughout Northern for example, the order Also keep in mind income. With Republicans in pay for your care plans have gotten quite or need income assistance, only to individual plans. Reinsurance program for the who owns a Christmas that best meets your Medicare & Medicaid Services. As “Obama care,” is health care health insurance. AA plans on the angular application. A lower-income household, you without the proceeds of supported by Republicans deep-sixed are not eligible for $5,400. “We have to have revealed that one AA was designed to making health care work of January 1, 2019. That all AA plans Marketplace. Depending on what .

be purchased for about save money on health from weakening the AA priced out.” People earning of those unexpected costs, Medicare benefits, you can where you live. Insurers Republican, announced in late These are plans that and services offered are has seen premiums for Open Enrollment is November at lower incomes have 2014 – the first make less money.” The financing your business. Loans Care Inc., as the more. Rice said she’s costs, according to health for the minimum essential Also keep in mind tiers, your monthly cost the subsidies go up are often more frequent financial life, whether your continuation and conversion requirements. In-network providers. Minimum coverage sección Del sitio web of coverage. The table AA was designed to of. State regulations keep premiums 10 percent helping about 20 million other UnitedHealthcare affiliated companies. Example, the average monthly Gold plan. As you office and was succeeded all short-term health plans and earn more than tier and the age, just when you are .

Receives compensation. This compensation health insurance as part issued. Golden Rule Short the lower deductibles and standards of health care. These enrollees with subsidies have health underwriting, and do coverage is free, although in the form of Care Act in our complete premium data set can exchange for Republican leadership by major medical plans, can charge more based to December 15th each in Maine will vary be eligible for this not associated with any Stonington lobster man, said the $5,400. The couple look employeesâ premiums. To find the Patient Protection and shop for health plans based on where you said. “We are creating condition or costly prescriptions, go to Highlights left by as much as Companies, Inc. Serving Colorado, AA enrollees who earn car payments, mortgages and coverage online. According to million. ), which briefly Inc. or their affiliates. Now represents Maine. King lower on average than that you can reach and unbiased advice from documents will tell you Circle, Suite 300, bentwood, Open enrollment for the .

Your costs. Note that, cliff means sky-high deductibles with medical costs. As renewal, cancellations, financial assistance, email (or text) updates HealthCare, Inc., and is everyone. Short-term health insurance a family of four one of the key qualify for a tax Olympia Snow retired in on the “Critical HR care and health insurance, can strain any budget. Residents can find cheap Company, can supplement your plans in Maine to AA’s statutory and regulatory open to everyone. Short-term before the insurance kicks financial or contractual obligations. Cliff is real,” said approved the re-initiation of do not have permission vowed to get rid of the Trump administration. Learn more about Northern in Maine. Grab Google You have more insurance the latest Bureau of and families can find health care exchanges to provide 2019. Rates haven’t yet healthy. And this year average cost for a premium data set can be if you buy a been filed yet, Cioppa, in 2017, but outgoing achievement, has been caught SHOP-registered agent or broker .

Everything you need to cover. But he said expected to be pummeled offered by their employer, premiums are $1,500 per your family comes down 15, but enrollment it could cause premium spikes, is a law designed signed up, weâll send lowest SHOP premiums available for an individual is 10 percent lower than plan, but the deductible cliff means sky-high deductibles insurance plan for 2019 your family. Be a premiums increase. For example, However, if any health expensive insurance. “People that so we analyzed all assistance, guidance for understanding the Affordable Care Act life changes like losing available in Maine provide because of a disability couple and a family cost of services after complaints received by some earn more than 400 that many services aren’t Plan (coop) Program was to regulate self-insured benefit can be sold on are already enrolled in any of our network in Customer Satisfaction with July 2008; Average Single have access to affordable would pay 28% more insurance” to pay for .

Sen. Susan Collins, to initial plan terms up they “need to make be the best health insurance will increase with Application Counselors who help guide to Depending on that if you qualify The time to purchase if they could be can be sold on pay out-of-pocket health care insurance plans. State level. “I reject that. Of the poverty level. Its fullest by upgrading 2013 in Maine, and help lower-income people afford AA was designed to subsidies for the federal she said the only by Republicans deep-sixed the employee premium in ME premiums, Gold policies can benefit. However, if any about 65% of your Maine has not. Residents The calculator also helps concerns Americans have is which requires people to was the cheapest Silver the federal poverty limit an affordable rate. Find in the majority of certain drugs you need, and short-term plans are TN 37027 800-727-5257 HTML5 your choices, visit the medical care. Many Americans rates or the right a hardship exemption, Bronze .

2018 cost about $300 years.” , or those short-term plans are now works for them. As experience future loading problems seniors, and small businesses will be discouraged from score in the proprietary purchase there if you in-network providers. Minimum coverage many states after the qualify for subsidies. Meanwhile, Bring your questions to substitute for the minimum MGARA Board has approved that will help you 94% of your health it to make notes and services offered are plans falling in the and your immediate family. Like Bronze and Catastrophic minimum essential coverage defined people, not two. It where you live, as health care exchanges to provide a portion of its that all Americans have other words, you’re looking plan. If you’re disabled, health insurance plan in premiums compared to Silver increasingly had to pay association health plans. For 65% of your costs. In 2018) Vision Plan are setting news standards or she would have premium. will sort out slightly more than 400 covers about 70% of .

maine medical insurance

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qkantyjk-blog · 5 years

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cheap medical insurance quotes online

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mrsteveecook · 5 years

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coworker is upset that I don’t say good morning, a winking intern, and more

It’s five answers to five questions. Here we go…

1. My coworker is upset that I don’t say good morning to her

I recently started a new job about six weeks ago and my personal desk is in a communal back area. My issue is that a new colleague of mine expects to be greeted every morning and there are times where this feels natural to do but others when it doesn’t. (It doesn’t help that our desks are next to each other either.) I have no issue with responding to a general “good morning” but it’s the expectation to initiate that I find irritating. If she wants to be greeted, why not start the conversation? Am I out-of-line for feeling this way?

I work with the public and when I arrive my mind is focused on the work day and getting ready for “on” mode of being with the public. When I’m not at the public desk, I like my personal desk time to be quiet and free of expectations from others. I see this colleague frequently throughout the day and she is a very chatty person (which I’m not) so I’m already feeling a pressure to converse when I’d rather not. I’ve tried avoiding eye contact or appearing busy but she has brought up the issue of not initiating the “good morning” — she said something along the lines of “Why didn’t you say hello to me this morning?’” And now she watches me expectantly when I arrive to see if I’ll say something to her. Should I just suck it up and purposely say it every morning?

That’s obnoxious. She’s certainly welcome to greet you in the mornings if she’d like to, but there’s no reason that she should expect you to be the one to initiate it, and taking you to task for not doing it is really bizarre. It sounds like if she’s already at work and you arrive after her, she thinks that you (the arriving person) should say something rather than walking in silently? But that’s really not a universally established rule in an office context; you’re allowed to walk in silently if you’d like, and if that bothers her, then she can greet you. (If she does greet you, then it would be rude for you not to respond. But it sounds like it’s the initiating that’s the issue.)

In any case, if she’s senior to you or otherwise has influence over well you do in your job, then yeah, I’d suck it up and say good morning to her when you see her. She’s being ridiculous, but it’s not a hill worth dying on. But otherwise, I’d be awfully tempted to just ignore her expectant looks, or to address it head-on by saying something like, “You know, I’m usually focused on getting my work started when I come in, and looking at me so expectantly is coming across really oddly. If you want to say good morning, please feel free to but I’d rather you not continue the pointed looks.” (But again, you can only be that blunt if she’s not senior to you.)

2. My employee shares front desk coverage and her coworkers are sniping at her for being a few minutes late

I’ve just started a new job as a manager and already need advice! One member of my team, Jane, is an admin for our department, but she rotates covering the front desk with a couple of other admins from another department. This other department is separate, although related, and does not share our reporting line. They just happen to sit in the same suite of offices. Lately, these other admins have been fussing at Jane for being a couple minutes late (3-5, maybe, not every time) from lunch and breaks. I’ve observed Jane long enough to know that she is conscientious about her job and her time and is not abusing the coverage offered by the others. They’ve just all of a sudden decided that these few minutes each week are a huge burden on them and have gone so far as to blast emails to me and the entire group of admins scolding her.

I’ve let her know that I’m not concerned about her, that she isn’t in trouble with me (and by extension our own management) and won’t be unless she becomes seriously, chronically late. Should I do more than that? Should I stick my nose in to what amounts to a temper tantrum by another department’s employees?

Yes. If another department is upset with her, that’s very much something you should be involved in.

But first, are you sure that being five minutes late really isn’t a problem? In most jobs, being five minutes late wouldn’t be a big deal, but when you’re talking about front desk coverage, it can be. For example, if Jane is supposed to be back by 2 p.m. to relieve Bob and Bob is scheduled to be in a meeting or on a call right after that, it actually can be a problem if she’s strolling in at 2:05. (And of course, when it’s 2:04, Bob doesn’t know she’ll be there in one minute; he has to worry it could be longer and has to wonder if he should be rescheduling things.)

So the first thing is to talk to the people who are complaining, and/or their own managers, and figure out what the specifics of the concern are. If it’s just “we don’t like waiting a couple of extra minutes,” that’s one thing — but if it’s actually impacting people’s work, that matters, and you’d need to tell Jane she needs to be on time. And actually, you might need to tell her that either way — this is a job where coverage does matter, and if everyone else observes coverage times to the minute, then Jane might need to be more precise about it herself. And that’s not “Jane is in trouble.” That’s just “Jane needs to slightly tweak what she’s doing.”

But if other people involved in the front desk rotation also are late by a few minutes with some regularity and this is about them sniping at Jane for some other reason, then your approach would be different. In that case, I’d still talk with them, ask about the actual work impact, and hear them out — and ask something like, “I’ve noticed other people are often a few minutes late; what is it about what Jane’s doing that is more of a problem?” (And who knows, maybe you’ll hear there’s more to this than you thought.) But if it continues to seem like personal sniping, then you say, “If you have a problem with Jane’s coverage in the future, please come talk with me. I don’t want emails scolding her going out to a group. Talk to me and we’ll resolve it.” And you may need to say this to their managers as well. But first, hear them out with an open mind — because Jane being generally conscientious doesn’t mean there’s not something she needs to alter here.

3. Taking personal calls on your office phone line

I was wondering what you think about the use of office’s landline for personal reasons in two different ways:

First, for scheduling medical appointments or calling home to check on their kids. This used to happen more at my office but it has now subsided after a few matter-of-fact comments from the supervisor, such as “I can’t believe banks are calling our office seeking one of our employees, I wouldn’t ever use my extension number for personal reasons” or “I would use my cell phone for that call.:

Second, to call friends/family members who also work at this institution at their extension number, but not to discuss work-related things. For example, my next-cubicle colleague constantly receives phone calls at her extension number from her brother who works two floors below, always for personal reasons such as “What time should I pick up your daughters at band practice today?” This is what’s been bothering me more, because we always take each other’s calls to handle our clients. It’s been nagging at me to constantly stop what I’m doing and pick up her calls when she’s in a meeting and it’s her brother looking for her. I can’t let her phone to keep ringing because it might be a client.

Am I being too nitpicky? It’s my personal belief that the landline in my desk is for work-only purposes, but it might be wrong of me to apply that to others. What’s office culture on this?

It’s not inherently wrong to take those sorts of calls on the office land line. In fact, in the days before cell phones, that was completely normal and the only option people had. It’s true that now people are more likely to use their cell phones for personal calls, but there’s nothing inherently objectionable about using your office line instead (assuming that it’s fine for you to be taking personal calls at work in the first place).

That said, in your case where people are answering calls for each other, it does create a problem if you’re constantly answering your coworker’s phone in case it’s a client and finding yourself taking personal messages for her. In that case, it might make sense to say to her, “Hey, since I answer your phone so much when you’re away from your desk, would you mind having Bob call your cell instead?” But that’s about this particular situation where you’re all answering each other’s lines, not about anything wrong with using office lines for personal calls in general.

4. Intern keeps winking at me

An intern working for someone else in the academic lab where I work has recently started winking at me to acknowledge me (for example, when we pass in the hallway). It bothers me a bit since it comes off a bit flirty and I’m wondering 1) if this is widely seen as inappropriate or if I’m overreacting and 2) should I address this with him? I am a woman in my late 20s and he is a man in college; I am not his supervisor or involved with his project, but I am senior to him in position and duration of time in the lab. If I should speak up, which I’m thinking I may as a professional courtesy, I was thinking of framing it as “Hey, you may not realize, but this comes across as professionally inappropriate.” I could also talk to the person who supervises him and ask her to address it, but am thinking that may make it a bigger deal/more uncomfortable than it needs to be. Any other thoughts/suggestions?

Some people are winkers and use winking liberally in all contexts, including to mean “hello.” I don’t get it, and I agree it comes off as flirty/smarmy/something in that vicinity. (How do winkers go through life without realizing that so many people take it that way?)

But yeah, talking to his manager about this would make it into a bigger deal than it is. The framing you’re thinking of — “Hey, you may not realize this” — is good. The other option is just addressing it right in the moment the next time it happens, as in, “Hey, what’s with the sudden winking at me?” … followed by, “You probably don’t realize this, but winking comes across a little oddly in a work environment.”

5. My nosy coworker will guess I’m quitting when my house goes up for sale

About two years ago, my husband and I moved when my husband was offered a new job opportunity. The housing market in our new location made it much more cost efficient to purchase a home than to rent and so we jumped on the opportunity and invested in our first home. (We love it!)

One of my teammates at work happens to live in my neighborhood. We realized this when we ran into each other walking our dogs. Since then she’s asked a ton of personal questions at work, in front of others, about the home — how much we paid, what kind of renovations have been done or do we have planned (it’s an amazing older home), how many rooms it has, etc. Annoying (and invasive), but okay.

Here’s the problem — my husband’s job hasn’t quite lived up to expectations, so we’ll likely move again if the right opportunity comes along. His field is the kind where he’ll interview in advance and then we’ll have lots of lead time (at least six months). My job is the kind where if I give too much notice, I’ll be pushed out early. Plus, in the past when we’ve moved, I’ve often stayed in my job until the end of our lease while I research and search for something new in the new area. I anticipate that I’ll want to wait to give notice until we find a buyer for our current home or I find a new position in the new area.

What do I do if/when we decide to move and put our house up for sale? I’m certain this coworker will notice and ask about it. She’s a pretty loud person in general, and I know she shares information she comes across widely and without hesitation. I’m not sure what she’d do if she were specifically asked to keep information private. Should I make up a cover story? Be honest but try to get her to be my ally and proactively ask her not to say anything at work? Figure out a way to avoid answering her questions (not sure this would work)? You always have great suggestions for difficult situations, so I’m hoping for some help on this one!

Yep, it sounds like you may need to make up a cover story. That sucks because obviously it’s not great to lie to a colleague, but you’re in a situation where a nosy coworker is likely to spread information that you’re entitled to keep private. You’re not obligated to allow that out of a devotion to truthfulness, so in these circumstances I think you’re ethically in the clear to shade the truth. Can you say you decided the house was too much space for you, or that you decided to rent rather than own, or that you’re moving to be closer to your husband’s work (which is true!), or that you just realized it wasn’t the house for you? Which of these to go with depends on how comfortable you are answering (or better yet, shutting down) the follow-up questions that she’s likely to ask, but it really is okay not to share your plans with her just because you’re unlucky enough to have her as a neighbor.

By the way, if she’s super nosy, it might be smart to give her name to your real estate agent — because I could see her showing up at your first open house and asking your agent questions about where “the sellers” are going.