September 16, 2010

So You Want to Know How to Quit Smoking Weed


by termie

So You Want to Know How to Quit Smoking Weed

In order to stop smoking weed and make a real change in your life, there are some things you should know so that you can make this happen.

First of all realize that smoking weed is an addiction. Just because it is a “soft” drug without a huge physical dependency does not mean that it is not an addictive substance. Smoking pot is a real addiction and so is the lifestyle associated with it. If you smoke it for long enough then eventually your whole life will be set up around buying and using the drug with other people who do the same. Thus it becomes a lifestyle choice and it is not a very healthy one in the long run for a variety of reasons. This goes beyond the physical damage that is caused by smoking and also includes the fact that you are medicating your feelings and escaping reality when you smoke every day. This makes you stagnate in terms of emotional growth and most people will slow down mentally as well. All in all, there are a number of good reasons to want to overcome an addiction that as debilitating as this one.

The way to make this happen is to make a decision in your mind. If you hem and haw over this idea then nothing will come of it. You can’t just wish for things to be different and expect your whole lifestyle to suddenly change for the better. You have created a life that revolves around smoking weed and it’s going to take a tremendous amount of effort to undo that. So if you want to go through with it then you need a firm decision about it. If there is the slightest hesitation then you should resume your weed smoking and just shelve the idea for a later date. You are not ready yet.

If you are ready though then it might make sense for you to attend treatment. Even though you do not need a physical detox from Marijuana, you can still benefit from treatment in a number of ways. One way is through the help and support of other people in treatment who are all on the same path as you are. The other way is through an introduction to the 12 step program that can also help you to stay clean in the long run. Finally, you’ll also get hooked up with someone in therapy and they can give you guidance and help you work through certain issues that you may have. Treatment can be an important step for many people in early recovery.

After you leave treatment and gain some knowledge and tools about how to stay clean, you will need to shift your lifestyle quite a bit in order to maintain your new found sobriety. If you go back to your same set of friends and your same old hangouts then it is likely that you will get high again. The way to change this is not to deprive yourself of doing things, but rather to shift your interests and find some new things to do. Life is about to get really exciting for you if you are willing to explore your options and have a little fun with it. There is more to life than getting high and once you get clean from the chemicals then you can start experiencing some awesome new things again. Life will be worth living again and you will find purpose and meaning in your life as long as you stay clean and sober. Although you might feel depressed at first without your drug, it does get better! The key is to start purposefully creating a new life for yourself.

Would you like to learn more about how to quit smoking weed? Visit

http://howtoquitsmokingweedtoday.blogspot.com/

B Real from Cypress Hill Smoke & Mirrors Tour. Young DE, Psycho Realm, DJ FM, Sick Jacken, Julio G. Backstage & Live onstage @ Melkweg Amsterdam. Directed, Edited & Shot by Kenya Winchell for HEMP TV & Pitbull Productions OG

Video Rating: 4 / 5

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September 15, 2010

How To Stop Smoking Pot – The 3 Most Important Rules To Finally Help You Quit Smoking Cannabis!

How To Stop Smoking Pot – The 3 Most Important Rules To Finally Help You Quit Smoking Cannabis!

So you have finally decided to stop smoking pot. Firstly, I applaud you for your decision. I know from personal experience, how much cannabis can take over your life. I also know exactly how tough it is to stop smoking pot once and for all. Therefore in this article I would like to provide some tips on how to quit smoking cannabis.

1) Rather than trying to stop smoking pot cold turkey, you need to formulate a plan. Most cannabis smokers have a set routine when they try and give up. You will kid yourself that as soon as your current baggy is finished, that’s it, you’re going to quit smoking cannabis for good. So you smoke that baggy twice as quickly as you normally would and when it’s finished, you find yourself buying more! It’s a vicious circle that will control you if you allow it to.

Set a date about one month in the future as your “giving up” date. Up to this date gradually cut back on the amount of cannabis you are smoking. If you’re a heavy smoker, try and cut back to 1 or 2 joints a day. After ten days, cut this down again. One a day or one joint every alternate day for the next 10 days. For the final 10 days, try and only smoke 2 or 3 joints in total until you reach your giving up day!

2) On the day that you eventually decide to stop smoking pot, you will need to throw out and lose every single piece of drug paraphernalia that you own. Papers, lighters, roach material, bongs, bags, grinder, etc. I made the mistake of initially keeping all these things locked up in a drawer. This just makes it far easier to get sucked back in.

If the temptation to smoke cannabis is there, you are unfortunately more likely to take it. No matter what anyone tells you, pot is addictive. However, it is far more a psychological addiction that a physical one. If you leave temptation in your way, your mind is likely to take over and you will probably be smoking pot or weed by the end of the day.

3) The hardest and yet most important aspect of how to stop smoking pot is losing your friends. Cannabis is both a social and yet very unsociable drug. Usually long time pot smokers become distant from family and friends who don’t partake in their habit. However, other pot smokers soon become your closest allies.

CLICK HERE To Discover How I Finally Quit Smoking Weed

I found that most of my “pot-smoking” friends were all for me giving up and were even proud. However, I couldn’t ask or force any of them to quit smoking cannabis with me. Watching them smoke and pass round a joint between each other was killing me! Once again why would you put temptation in front of you. When you finally stop smoking pot once and for all, you will realize what a great decision you’ve made. However by hanging out with the same friends, believe me, it won’t be long before you revert back to your old ways!

WARNING: Don’t allow Cannabis or Marijuana to take over and eventually ruin your life!

The next page will explain exactly how i Quit Smoking Weed. You simply cannot afford to miss this – CLICK HERE

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September 14, 2010

Health Consequences Of Tobacco Smoke In People

Health Consequences Of Tobacco Smoke In People

Cigarette smoking as well as exposure to second hand tobacco smoke has association with premature death caused due to chronic diseases such as different kinds of cancer, heart diseases and lung diseases. According to the Department of Health and Human Services, smoking is the leading cause of about 80 percent of lung cancer deaths in males and almost 70 percent of deaths in females. The risk of dying of lung cancer is almost 26 times higher among the male of the species that smoke cigarettes. Among women that smoke tobacco cigarettes compared with those who never smoked is about 15 times higher. Apart from that, smoking leads to many diseases including cancers of the bladder, oral cavity, kidney, lung, pancreas, and stomach. It is also the leading causative factor of acute myeloid leukaemia. Also, exposure to cigarette smoke during one’s childhood days makes one prone to respiratory infections, ear infections, and asthma.

According to some of the recent study reports, every year, almost half a million Americans die of diseases related to cigarette smoking. Heart disease is one of the leading reasons for deaths in the United States. Cigarette smokers are four times more likely to contract coronary heart disease when compared to nonsmokers, and smoking doubles a person’s risk of suffering from stroke related illnesses. In addition to that, about 90 percent of all deaths due to chronic obstructive lung diseases can be attributed to cigarette smoking and use of tobacco products. Cigarette smoking has many adverse effects on the reproductive health area. Other bad effects include an increased risk of infertility, pre-term delivery, stillbirths, low birth weight of the infant and the much feared sudden infant death syndrome.

Regardless of the knowledge related to the harmful effects generated by cigarette smoke, cigarettes and other tobacco products account for more than 60 percent of the expenditures on all such products in our country. This point to the fact that even though research studies have provided evidence that cigarette smoke unleash detrimental effects on the smoker’s health, many smokers do not take it seriously. People that want their children to grow up in a healthy and smoke-free environment need to take matters into their own hands. Steps must be taken to decrease the level of cigarette smoke exposure faced by children.

Treat your household as a tobacco-smoke-free zone. If you need to smoke, do so only outside your house. Wear a smoke coat that you must take off before returning inside. Set an example by dining with your child in restaurants that are labelled smoke-free restaurants. Ask your friends and relatives not to smoke in the proximity of your child. Be insistent so that you make your voice heard. Talk to your school going or adolescent children about the bad effects of cigarette smoke and the health consequences. Be honest with them, especially if you happen to be a smoker, and talk about it very often. Take a decision not to smoke; quitting the habit of smoking is not easy, but it is really possible.

The author is an SEO copy writer and internet marketing specialist. To know more about Electronic Pipe and Electronic Cigar visit epuffer.eu

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September 13, 2010

Life Insurance Rocketing Up for Smokers

Life Insurance Rocketing Up for Smokers

Smokers may be paying as much as £2,000 more in life insurance premiums than non-smokers, according to price comparison website moneysupermarket.com. Following on from last year’s public smoking ban this is another area in which smokers are being specifically targeted. Premiums for non-smokers have slowly fallen in the last few years whereas those for smokers have risen sharply, some estimates claim that smoking policy holders are paying up to 100% more than their non-smoking counterparts.

The same is true of critical illness cover, which pays out a lump sum in the event of the policy-holder contracting a serious illness or injury. Smokers are seen as much more of a risk to insurers as the number of medical conditions that they could develop is far greater than that of a non-smoker.

According to Michael Challiner, editor of Express Life Insurance, this dramatic disparity is due to the increased competition between lenders brought about by the advent of the Internet: ‘It is now so easy to reach a decision that a ‘price war’ has developed and some very competitive quotations are available. This competition has however had an inevitable effect in that insurance companies have had to tighten up their procedures or risk losing money on the narrower margins. So they have hit the obvious target – smokers.’

Moneysupermarket.com have estimated that a thirty five year old male smoker could save 44% on his premiums if he quit the habit, paying only £9.91 per month over a twenty five year period as opposed to the £17.68 he would currently be paying.

However, Louise Cuming, a spokesperson for the website, has warned that the financial benefits of giving up smoking could be some time coming. Because of the highly addictive nature of cigarettes telling your insurer that you haven’t had a fag for a couple of days will not be convincing enough for them to lower your premiums. Most insurers require their clients to prove that they have been a non-smoker for a whole year before agreeing to a reduction in premiums. When this reduction comes, however, it could be as much as 60%.

Combined with ever-escalating cigarette prices this news could be the incentive that many smokers need to quit the habit. There are also more policies springing up which encourage and reward positive lifestyle changes. PruProtect is the first to link the cost of premiums to advances in the holder’s health. Speaking on last month’s National No Smoking Day, Sammy Rubin, CEO, PruProtect, said: ‘National No Smoking Day is a time when smokers will be thinking about the true cost of their habit, financially and physically. At PruProtect we support both, and offer those wanting to quit not only a financial incentive by saving money on premiums, but encourage people to lead a healthier life style through our Vitality points scheme. To help those finding it tough to quit, we also offer heavily discounted entry to Alan Carr’s Easy Way smoking cessation courses.’

Mark is an author of several articles pertaining to Life Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.

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Various Stop Smoking Techniques


by termie

Various Stop Smoking Techniques

Smoking and human life expectancy share an inverse relationship. An increase in the former brings a decrease in the quality as well as length of the latter. The smoke that enters human body during a cigarette smoking session is replete with a very hazardous substance called nicotine. Active as well as passive smokers suffer greatly due to smoking generated diseases. It is not surprising to see the escalating number of human lives that come to an end every day. In view of the alarming death rates caused by cigarette smoking, doctors have started developing new therapies. This article attempts to list the various methods and measures taken in this direction to thwart people into getting into this vicious cycle.

When starting to save a smoker from the habit of smoking, the first thing that has to be done is to cleanse his body of excess nicotine. The various kinds of nicotine therapies and nicotine replacement therapies work towards serving this very purpose. During the treatment period, the individual must restrain himself from smoking by being fed with fixed doses of nicotine so as to avoid any detrimental repercussions. This will serve to keep the person in a very balanced state. This will also minimize the smoker’s craving for cigarettes, and the dose of nicotine can be reduced gradually over time.

Nicotine substitution is also carried out by making use of nicotine laced chewing gums. This method, included in many smoking cessation programs, can be traced back to the year 1972 and it was approved in 1984. These nicotine gums were effective to a great extent but lost its efficacy when people started getting used to them. In addition to nicotine- gums, nasal sprays, inhalers and skin patches, there are some other devices also that work towards the same cause. Users who are keen on quitting the habit put the nicotine patches to have assistance as and when needed.

Some prescription drugs have also been found to be of great help to hard core smokers in getting rid of smoking addiction. Basically, most of these drugs are antidepressants in nature and are prescribed by doctors to patients suffering from depression. But, these drugs have great efficacy in controlling the habit of smoking. Negative Stimulus is another method employed for quitting the habit of smoking. It involves administering feeble electric shocks that instils in the person an aversion to smoke. The governments in various countries as well as some non-profit organizations have kicked off quit smoking campaigns and programs in order to make people aware of the deleterious effects of smoking.

Hypnosis therapy is a psychotic therapy that helps in lessening one’s obsession to smoke. This particular therapy purges the smoker of pro-smoking thoughts and instils in him an anti-smoking concept.  This is successful due to the fact that hypnosis takes the person undergoing treatment to a semi-conscious state where his mind can be programmed to do some things which the expert wants him to carry out. Regular and controlled treatment using hypnosis can diminish one’s craving to a good extent.

The author is an SEO copy writer and internet marketing specialist. To know more about
e-pipe and e-liquid refill visit epuffer.eu

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Smoking During Pregnancy: Risks to the Pregnancy and Harm to the Baby

Smoking During Pregnancy: Risks to the Pregnancy and Harm to the Baby

Smoking during pregnancy is one of the worst things you can do. When you smoke, your baby smokes too. There about 600 ingredients in cigarettes, and when a cigarette is burned, it releases over 4,000 chemicals. Many of these are poisons, and at least 50 of these chemicals cause cancer. So when you take a puff, your growing baby gets exposed to these harmful pollutants too. Because your baby is developing inside you, exposure to these pollutants can be very detrimental to his overall health and the safety of your pregnancy.

The nicotine and tar in your cigarette decreases the level of oxygen and nutrients that your baby receives. This can slow down your baby’s growth and development, and it puts you at risk for miscarriage and stillbirths (a baby with no heartbeat).

Luckily, if you quit smoking immediately, your baby’s growth will return to normal shortly.

Smoking during pregnancy has been associated with 5 percent of infant deaths, 10 percent of preterm births, and 30 percent in low birth weight babies. Smoking and exposure to secondhand smoke can also increase:

Infertility—When compared to women who don’t smoke, smokers have a 30 percent increased risk of being infertile. They also experience a delay in conception—i.e. it’s harder to get pregnant when you smoke. Placental Abruption—A serious and dangerous complication that can occur during the third trimester of pregnancy. It occurs when your placenta separates from your uterine lining. Placental abruption can cause vaginal bleeding, resulting in fetal distress, uterine tenderness, and increased frequency of contractions. Preterm Premature Rupture of Membranes (PRROM)—Your water breaks early, before the onset of real labor. Placenta Previa—Your placenta grows in the lowest part of the uterus, which can cause problems for the baby. You may bleed and require prompt care. Some women are even hospitalized.

It is estimated that over 20 percent of American women in their childbearing years smoke cigarettes, despite knowing its harmful effects. In 2005, the Pregnancy Risk Assessment Monitoring System (PRAMS) survey reported that 14 percent of women smoke during pregnancy.

Babies who are born to women who smoked during pregnancy are also at an increased risk of having a cleft lip or cleft palate. A cleft palate occurs when there is a split in the baby’s lip and the roof of his/her mouth, creating a hole between the nose and mouth. Surgery is often used to reconstruct that part of the baby’s face.

The danger of smoke doesn’t end when your baby is born. Being around smoke can also put your newborn baby at risk.

When exposed to secondhand smoke, babies have an increased risk of dying from sudden infant death syndrome (SIDS). As they grow, your child is at an increased risk of developing asthma, respiratory problems, ear infections, pneumonia, and bronchitis.

Because the babies of smokers tend to be premature and have low birth weights, they are also at an increased risk of serious lifelong health problems, such as mental retardation, learning problems, and cerebral palsy.  These babies are also more likely to have birth defects, including congenital heart defects.

The more you smoke during pregnancy, the more harm it will do to your baby. It is very important to try to quit smoking. Even if you can’t kick the habit completely, try to limit your daily cigarette intake.

Make an appointment to talk to your doctor or healthcare provider about your desire to quit smoking. They can refer you to a smoking cessation program and offer other ways to help you quit.

Remember to surround yourself in a positive environment. You are more likely to succeed if you have the support of friends and family who understand the harmful effects of smoking.

Dr. James Brann, M.D. ACOG is a retired obstetrician with over 26 years of experience. He has dealt with thousands of expectant mothers and their babies. He aims to offer the same level of expertise to his readers at Women’s HealthCare Topics that he does to his patients.

Women’s HealthCare Topics: All About Pregnancy

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September 12, 2010

How To Stop Smoking Pot – The 3 Most Important Rules To Finally Help You Quit Smoking Cannabis!

How To Stop Smoking Pot – The 3 Most Important Rules To Finally Help You Quit Smoking Cannabis!

So you have finally decided to stop smoking pot. Firstly, I applaud you for your decision. I know from personal experience, how much cannabis can take over your life. I also know exactly how tough it is to stop smoking pot once and for all. Therefore in this article I would like to provide some tips on how to quit smoking cannabis.

1) Rather than trying to stop smoking pot cold turkey, you need to formulate a plan. Most cannabis smokers have a set routine when they try and give up. You will kid yourself that as soon as your current baggy is finished, that’s it, you’re going to quit smoking cannabis for good. So you smoke that baggy twice as quickly as you normally would and when it’s finished, you find yourself buying more! It’s a vicious circle that will control you if you allow it to.

Set a date about one month in the future as your “giving up” date. Up to this date gradually cut back on the amount of cannabis you are smoking. If you’re a heavy smoker, try and cut back to 1 or 2 joints a day. After ten days, cut this down again. One a day or one joint every alternate day for the next 10 days. For the final 10 days, try and only smoke 2 or 3 joints in total until you reach your giving up day!

2) On the day that you eventually decide to stop smoking pot, you will need to throw out and lose every single piece of drug paraphernalia that you own. Papers, lighters, roach material, bongs, bags, grinder, etc. I made the mistake of initially keeping all these things locked up in a drawer. This just makes it far easier to get sucked back in.

If the temptation to smoke cannabis is there, you are unfortunately more likely to take it. No matter what anyone tells you, pot is addictive. However, it is far more a psychological addiction that a physical one. If you leave temptation in your way, your mind is likely to take over and you will probably be smoking pot or weed by the end of the day.

3) The hardest and yet most important aspect of how to stop smoking pot is losing your friends. Cannabis is both a social and yet very unsociable drug. Usually long time pot smokers become distant from family and friends who don’t partake in their habit. However, other pot smokers soon become your closest allies.

CLICK HERE To Discover How I Finally Quit Smoking Weed

I found that most of my “pot-smoking” friends were all for me giving up and were even proud. However, I couldn’t ask or force any of them to quit smoking cannabis with me. Watching them smoke and pass round a joint between each other was killing me! Once again why would you put temptation in front of you. When you finally stop smoking pot once and for all, you will realize what a great decision you’ve made. However by hanging out with the same friends, believe me, it won’t be long before you revert back to your old ways!

WARNING: Don’t allow Cannabis or Marijuana to take over and eventually ruin your life!

The next page will explain exactly how i Quit Smoking Weed. You simply cannot afford to miss this – CLICK HERE

High Grade Cannabis Smoking Granny. lol

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How To Stop Smoking Pot – The 3 Most Important Rules To Finally Help You Quit Smoking Cannabis!

How To Stop Smoking Pot – The 3 Most Important Rules To Finally Help You Quit Smoking Cannabis!

So you have finally decided to stop smoking pot. Firstly, I applaud you for your decision. I know from personal experience, how much cannabis can take over your life. I also know exactly how tough it is to stop smoking pot once and for all. Therefore in this article I would like to provide some tips on how to quit smoking cannabis.

1) Rather than trying to stop smoking pot cold turkey, you need to formulate a plan. Most cannabis smokers have a set routine when they try and give up. You will kid yourself that as soon as your current baggy is finished, that’s it, you’re going to quit smoking cannabis for good. So you smoke that baggy twice as quickly as you normally would and when it’s finished, you find yourself buying more! It’s a vicious circle that will control you if you allow it to.

Set a date about one month in the future as your “giving up” date. Up to this date gradually cut back on the amount of cannabis you are smoking. If you’re a heavy smoker, try and cut back to 1 or 2 joints a day. After ten days, cut this down again. One a day or one joint every alternate day for the next 10 days. For the final 10 days, try and only smoke 2 or 3 joints in total until you reach your giving up day!

2) On the day that you eventually decide to stop smoking pot, you will need to throw out and lose every single piece of drug paraphernalia that you own. Papers, lighters, roach material, bongs, bags, grinder, etc. I made the mistake of initially keeping all these things locked up in a drawer. This just makes it far easier to get sucked back in.

If the temptation to smoke cannabis is there, you are unfortunately more likely to take it. No matter what anyone tells you, pot is addictive. However, it is far more a psychological addiction that a physical one. If you leave temptation in your way, your mind is likely to take over and you will probably be smoking pot or weed by the end of the day.

3) The hardest and yet most important aspect of how to stop smoking pot is losing your friends. Cannabis is both a social and yet very unsociable drug. Usually long time pot smokers become distant from family and friends who don’t partake in their habit. However, other pot smokers soon become your closest allies.

CLICK HERE To Discover How I Finally Quit Smoking Weed

I found that most of my “pot-smoking” friends were all for me giving up and were even proud. However, I couldn’t ask or force any of them to quit smoking cannabis with me. Watching them smoke and pass round a joint between each other was killing me! Once again why would you put temptation in front of you. When you finally stop smoking pot once and for all, you will realize what a great decision you’ve made. However by hanging out with the same friends, believe me, it won’t be long before you revert back to your old ways!

WARNING: Don’t allow Cannabis or Marijuana to take over and eventually ruin your life!

The next page will explain exactly how i Quit Smoking Weed. You simply cannot afford to miss this – CLICK HERE

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September 11, 2010

Non-Smokers Benefit from Smoking Ban

Non-Smokers Benefit from Smoking Ban

Described as a filthy habit by many, smoking has long been considered a threat by most if not all non-smokers. Health-wise, the discrimination is quite reasonable, if only because the health risks to non-smokers are even greater than on those who are. Despite the fact that smoking might have benefits as a form of self-medication for depression, the “high” it produces is temporary.  Needless to say, the risks associated with smoking far outweighs its very few benefits, if that word can be used at all in the context of smoking.  Most people would rather not be exposed to the cigarettes and the smoke emitted from it. This is especially true in public places, if the number of territories and countries where smoking is banned in public places is any indication. However, aside from public convenience and the supposed “discrimination” against smokers, there are health benefits for non-smokers because of the smoking ban.

Recent studies show that better respiratory health has been achieved or at least is perceived to be now more attainable among non-smokers.  The reason behind this positive health perception is the passage  of legislation to ban smoking in public. A recent study found that non-smokers who were not exposed to second-hand smoke were showing better signs of respiratory and circulatory health than they were prior to the ban being put into place. Interestingly, most countries that have public smoking bans in place did not foresee this happening and had originally placed legislation against the habit to help cut down the number of people engaged in it. No one is complaining about this unexpected development, of course, being that it is a welcome thing for the non-smoking population.

The data contradicts the expectations of the people who institute such bans. Most people who issue legislations to ban the public consumption of tobacco and cigarettes believe it would cut down on the number of people who did so. Recent research seems to indicate that this is not the case, with the rate of people people quitting the habit remaining steady before and after the bans. This suggests that banning them from smoking in public is not helping them quit and may simply be forcing them to do so in other, less accessible areas. However, since these areas are out of the public arena, non-smokers are reaping the benefits of cleaner, smoke-free air in areas where a ban is in effect.
The study also took into consideration the number of people being hospitalized for smoke-related ailments. Two areas were investigated, with one having a clear and long-standing public smoking ban, and another that had no such legislation passed. The study specifically chose two hospitals, one in each area, that admitted patients for those smoke-related ailments. The study found that less people went to the hospital for heart and respiratory conditions related to smoking were much lower in the area where the ban was in place, whereas it remained steady in the area without a ban.

The research team noted that even just a little exposure was capable of doing much damage to the cardiovascular system with evidence being provided by the study itself. The smoke causes blood vessels to constrict and reduces the amount of oxygen that goes into the brain. The study showed that, even if the non-smoker has no other risk factors, mere exposure to second-hand smoke can increase the risk of cardiovascular damage greatly.

Information on causes of strep throat can be found at the Throat Problems site.

Small part of a Constitutional Law Midterm Project—created by Shahreen and I. Our topic was ‘Should smoking be banned in public places’ so we made a BREAKING NEWS broadcast that unfortunately interrupted a Mario special on tv—We discussed the “Smoker’s right to the public, to be…or not to be” issue. WARNING: We would like to add that this has been done early in the morning and within a day’s notice..so we look horrible lol..ENJOY 😀

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Life Insurance Rocketing Up for Smokers

Life Insurance Rocketing Up for Smokers

Smokers may be paying as much as £2,000 more in life insurance premiums than non-smokers, according to price comparison website moneysupermarket.com. Following on from last year’s public smoking ban this is another area in which smokers are being specifically targeted. Premiums for non-smokers have slowly fallen in the last few years whereas those for smokers have risen sharply, some estimates claim that smoking policy holders are paying up to 100% more than their non-smoking counterparts.

The same is true of critical illness cover, which pays out a lump sum in the event of the policy-holder contracting a serious illness or injury. Smokers are seen as much more of a risk to insurers as the number of medical conditions that they could develop is far greater than that of a non-smoker.

According to Michael Challiner, editor of Express Life Insurance, this dramatic disparity is due to the increased competition between lenders brought about by the advent of the Internet: ‘It is now so easy to reach a decision that a ‘price war’ has developed and some very competitive quotations are available. This competition has however had an inevitable effect in that insurance companies have had to tighten up their procedures or risk losing money on the narrower margins. So they have hit the obvious target – smokers.’

Moneysupermarket.com have estimated that a thirty five year old male smoker could save 44% on his premiums if he quit the habit, paying only £9.91 per month over a twenty five year period as opposed to the £17.68 he would currently be paying.

However, Louise Cuming, a spokesperson for the website, has warned that the financial benefits of giving up smoking could be some time coming. Because of the highly addictive nature of cigarettes telling your insurer that you haven’t had a fag for a couple of days will not be convincing enough for them to lower your premiums. Most insurers require their clients to prove that they have been a non-smoker for a whole year before agreeing to a reduction in premiums. When this reduction comes, however, it could be as much as 60%.

Combined with ever-escalating cigarette prices this news could be the incentive that many smokers need to quit the habit. There are also more policies springing up which encourage and reward positive lifestyle changes. PruProtect is the first to link the cost of premiums to advances in the holder’s health. Speaking on last month’s National No Smoking Day, Sammy Rubin, CEO, PruProtect, said: ‘National No Smoking Day is a time when smokers will be thinking about the true cost of their habit, financially and physically. At PruProtect we support both, and offer those wanting to quit not only a financial incentive by saving money on premiums, but encourage people to lead a healthier life style through our Vitality points scheme. To help those finding it tough to quit, we also offer heavily discounted entry to Alan Carr’s Easy Way smoking cessation courses.’

Mark is an author of several articles pertaining to Life Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.

Copyright @ StopSmokingCure.com

Filed under National No Smoking Day

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