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Asked by roknroll on Apr. 12, 2010
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Do I need life insurance?

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My company offers life insurance. Should I enroll in it?

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Health Question
Asked by KimKim on Apr. 12, 2010
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If my doctor doesn’t take my insurance, does that mean that I have to pay the whole bill?

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Beginning Yoga

By Christopher Schonberger
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Quick Tips
  1. Calm down – Many recent grads flock to yoga because they want to reinvent themselves. It’s not really that type of party for most people, but there’s no denying that it’s a good workout and can make you feel a lot better. Go in with a relaxed attitude and enjoy.
  2. Try different types – There may not be a “yoga class for everyone,” but there are a wide range of classes catering to different skill levels and goals. Don’t just sweat your ass off in Bikram and swear off all yoga for good. Try some different practices until you find one you like.
  3. Find the right class – Use YogaFinder.com and Yoga.com to find classes in your area, and remember that many gyms offer classes for free with membership. If you want to join a studio, ask around for recommendations and take a trial class before committing.
  4. Go with the flow – Different people have different opinions on the meditative aspect of yoga, and many classes are almost entirely focused on exercise anyway. That said, have an open mind and enjoy the closeness that yoga helps you feel to your body and breath.
  5. Buy a mat – If you’re really going to start doing yoga regularly, get your own mat. You may look like a bohemian wankster on the subway, but at least you won’t have to pay rental fees or soak up the last yogi’s sweat.

When a recent grad suddenly expresses interest in yoga, you know that they are either extremely hungover or have recently been thinking about “the future” and got depressed. Maybe they’re not exactly sure what’s wrong, but they know they need a lifestyle change to get back on track. Simply “working out” will not suffice. They feel the need to address the mind-body-and-soul trifecta in its totality…preferably all at once, for about an hour at a time.

Club Swine And Your Health Care

By Stuart Schultz
9/15/09
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I remember the good old days of freshman year: parties on frat row and in college town, pursuing the highest level of academic achievements late night in the stacks, and the all-you-can-eat cafeteria buffets. It was new

Making the Most of a Trip Back Home

By Lauren Gerber
8/28/09
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We all love the trip home. Back to the over-comforted bed; our favorite family pet; long, huge meals; and our parents’ personal TLC fit for an 8-year-old (we love dearly, even if we are almost a quarter of a century years old). But some of us might not be getting as much bang out of our trip home as we could. After all, why leave all of the perks at the door?

Joining a Gym

By David Pekema
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Quick Tips
  1. Find a deal – Gym fees can range from $30 to over $200 per month, so look for something that fits into your budget. Always try to bargain down the price, and be wary of large initiation fees and long contracts.
  2. Convenience – If you need to drive all the way across town to get to the gym, chances are you won't bother. Some (often pricier) membership programs allow members to use multiple locations, a definite plus if you want to work out near both the home and office.
  3. Amenities – Many gyms have showers, steam rooms, and pools. Some even offer a couple of free private training sessions. Find a gym with amenities that actually fit in with your workout preferences.
  4. Part-time gym rat – In some parts of the country, gyms with no long-term contracts allow you the option of only being a member during the cold and wet months. Also, some gyms allow members to suspend their account for months at a time.
  5. Fun and variety – Once you've chosen a workout method, you need to be sure to keep it fresh and exciting. Check out these Work Out Routines for a plethora of workout and exercise options to help keep our routine fun and interesting.

While attending Berkeley, my nickname was the Human Metamucil Pill for my abnormal discipline and regularity. Every morning at eight-thirty, I could be found in the gym sweating, pumping, and gyrating away. It brought a level of calm—not to mention health—to my life, and I couldn’t have been happier

Top Ten Things to Do After Graduating

By Christopher Schonberger
6/19/09
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The best way to postpone (if not avoid) the feeling of post-grad dread is to take a step back and give yourself some time to decompress. For all the tomfoolery that goes on, college is a tough gig, and you wouldn’t be the first person to feel burnt out on commencement day.

Considering Short-Term Health Insurance

By Christopher Schonberger
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Quick Tips

  1. You need insurance – Just because you’re unemployed or between jobs doesn’t mean you should roll the dice.

  2. It’s like 911 – For emergencies only, in other words. Short-term health insurance doesn’t cover pre-existing conditions or preventative care, but it will cover when, all of a sudden, you have an accident and a $500,000 hospital bill.

  3. “Credible coverage” – If you have a lapse in health care coverage of over 63 days, you’ll have a trickier time getting long-term health care when it becomes feasible. Make sure the short-term plan you choose is recognized as “credible coverage.”

  4. Beware of non-participating states – Short-term health care is not available in NY, NJ, CT, MA, VT, and HI. However, you can carry short-term policies from other states into these ones.

  5. What about COBRA? – If you've been laid off or left your job, you're entitled to continue receiving the same health benefits you did as an employee for 18-36 months, but at your own expense. It's more expensive, but useful if you get a lot of prescription drugs, visit the doctor often for a pre-existing condition, etc.

Here's a common recent grad dilemma: you know that health insurance is theoretically important, but you don't have a job yet or you're about to take a little time off before switching to a new one. Yes, you could try throwing away all sharp objects and locking yourself away in a room, but

One Flu Over the Cuckoo's Nest

By Tom Wiseman
5/12/09
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Our intrepid Mexico correspondent reports live from the eye of the swine flu storm. Has isolation and paranoia driven him to madness? Or was he already insane? You be the judge...

Is it safe to come out yet?

What's the Sickest City?

By Christopher Schonberger
4/14/09
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Living in a city has many perils, not the least of which is the hordes of sniffling, coughing, disgusting sick people walking around like plague-riddled zombies ready to infect you with their presence. But now, thanks to Sick City, you know when it's safe to venture out and when you risk being felled by the bleary-eyed masses.

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