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Why is Quitting Smoking So Hard? (It Isn’t the Cigarettes)

  • Posted on July 2, 2009 at 9:37 am

The hardest part about quitting smoking isn’t actually quitting smoking, it’s the bizarre stigma that everybody (even non-smokers) have created about how hard smoking is supposed to be. The ironic thing is that it doesn’t have to be that hard!

When most people quit smoking, they don’t actually become non-smokers. They become smokers who, depending on their success, are just not smoking at the time. Whichever method they’re using, be it nicotine replacement, pills, or cold turkey, in their minds they are still smokers.

The problem is that people try to treat smoking as a physical addiction, when it’s a mental addiction. You’ll notice that you can easily go for hours without a cigarette, as long as you know that you’ll get to smoke eventually. If it was a purely physical addiction, this wouldn’t be possible.

You’re only as addicted to smoking as your mind wants you to be. You have connections in your mind between certain events (getting off of work, being on the phone, working on a term paper) and smoking that trigger your urge to smoke. In order to truly become a non-smoker, you have to unravel these connections and realize that cigarettes won’t actually help you do anything.

It all breaks down to identifying when you want to smoke and why. If you figure out what causes you to want to smoke (and anticipating the way it affects you) you can easily break free from your supposed need to smoke, since you’ll reduce it to something as simple as, for example, biting your nails or chewing on toothpicks.

Want to quit smoking, but don’t want to waste money and time with nicotine replacements? Take a look at my EasyQuit System Review and learn how you to quit smoking the right way!

I originally posted this article here: Why Is Quitting Smoking So Hard?

Article Source: Why is Quitting Smoking So Hard? (It Isn’t the Cigarettes)

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Mortgage Paid Off? Don’t Forget to Keep Paying for Home Insurance

  • Posted on July 1, 2009 at 9:05 pm

Making that final mortgage repayment is a true red letter day, but be aware that in doing so, you may also be making your last home insurance payment – which could leave you open to all kinds of risk. As home buyers are invariably required to take out buildings insurance as a condition of a mortgage, once the mortgage is paid off, that requirement no longer remains. And although it makes good sense to maintain buildings cover, some homeowners (unintentionally or otherwise) allow their cover to lapse.

How home cover sometimes gets cancelled
This tends to happen with homeowners who took out buildings insurance from their mortgage provider and paid both mortgage and insurance in one bundled monthly repayment. Once the mortgage is paid off, because payments are bundled, the buildings insurance payments also stop – yet the risk of fire, structural damage etc still remains.

Also, if the homeowners took out combined buildings and contents insurance, the financial risks are increased as they would also become liable for the cost of replacing broken, lost or stolen home items.

Here’s a reminder of the benefits of keeping your home insured…

Benefits of home insurance
If your home is destroyed or damaged, or the contents within ruined or stolen, you can seek compensation to carry out repairs or buy replacements. Home insurance breaks down into two categories: buildings and contents.

What is buildings insurance?

Buildings insurance covers damage to structure, fixture and fittings of your home. A policy can also cover outbuildings. A comprehensive buildings insurance policy could cover you for:

* Fire
* Lightning strike
* Storm damage
* Falling trees
* Explosion (caused by gas leaks etc.)
* Earthquake
* Damage through contact with a vehicle or vandalism
* Bursting or freezing of the plumbing

Also, flood cover upgrade can be arranged for those living in a high-risk flood area.

Top tip: Don’t over insure – buildings insurance is only required to cover the cost of rebuilding your home, not its market value. You can find out a home’s approximate rebuild cost by using a rebuild calculator.

What is contents insurance?
Contents insurance can be taken out to cover items within your home against loss, breakage or theft. Typical items that can be covered include:

* Carpets
* Furniture
* Ornaments
* Jewellery
* Electrical appliances
* DVD/music collections
* Antiques
* Valuable collections

Top tip: Avoid under or overestimating the total worth of your possessions.

Looking to get a cheap home insurance quote then try confused.com who compare home insurance from 54 of the UK’s leading home cover providers. So visit now to find great buildings and contents cover.

Article Source: Mortgage Paid Off? Don’t Forget to Keep Paying for Home Insurance

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