For the last 20 years, Christine Bullock has dedicated her life and career to finding innovative ways to help others improve their overall wellness. She is a certified fitness trainer, nutrition expert, and creator of Kayo®, a complete line of skincare, tools, and supplements that supports beauty and wellness from the inside out, and outside in. “When we think about our overall health, it’s important that we don’t segment it out,” says Christine, “Wellness is not dependent on a workout routine, an expensive product, or our diet alone, rather it’s taking a holistic approach and recognizing that a little bit of everything is what makes the biggest difference.”
This multi-faceted approach has achieved incredible results for Christine and other women all over the world. As a successful entrepreneur and model, Christine has been afforded the opportunity to learn from some of the greatest experts in the wellness and beauty industry around the world. Now, she is determined to take that same knowledge and make it attainable to women everywhere. “I want women to understand that they can achieve these world-class luxury results, at an affordable price,” says Christine.
According to Christine, anyone can find holistic wellness and reach their aesthetic goals with a few simple things they can do right from home.
- Start by decreasing cortisol levels. Most people experience fight or flight triggers on a daily basis. These experiences raise our cortisol levels and can contribute to a whole host of issues such as weight gain, anxiety, sleeplessness, and skin issues. The reality is, the stressors aren’t going anywhere, so it is vital that we learn to evolve our reactions to these circumstances. Christine works with women to give them the tools and resources to deal with stress, this includes self-care techniques, a workout regime, supplements, and meditation practices.
- Supplements your body’s daily wellness needs. In today’s day in age it’s vital to supplement the nutrients missing from our foods, because even a rainbow diet of plants is lacking the same nutrient value they once had. In addition, your body isn’t the same from day to day – or even moment to moment. Kayo’s mission is to deliver targeted nutrition for your body’s ever-changing needs, all day long. The Biometric Beauty® supplements include everything from nutrients designed to de-stress, energize, support your sleep and immunity, along with creating radiant, youthful-looking skin. No matter what life throws your way, it seems Kayo meets you where you are for total-body wellness, inside and out.
- Upgrade your workout regimen with age defense exercise. According to Christine, we already have enough stress in our lives without introducing a 2-hour intense daily workout. Instead, do shorter, 20-30 min workouts 3-5 days a week. These workouts can be just as effective as longer workouts and allow us to build muscle, increase our endorphins without overly taxing our minds and bodies. All of Christine’s workouts are created with age defense goals in mind. “It’s about more than just losing weight and looking good, it’s about feeling good and creating a mobile, flexible, athletic strength that will serve us well into our 50’s and 60’s,” says Christine.
- Improve your energy, immunity, and beauty through body combing. Christine is a huge proponent of body combing as an ancient method designed to boost the lymphatic system, naturally detox internal organs, improve immunity, increase feel good hormones and decrease stress hormones, and beautify the skin head-to-toe. “Our lymphatic holds on to toxins throughout our entire body, and overtime those toxins start to cause health issues and age us and cause a whole host of problems.” Just 3-5 minutes a day, 1-2 times a week can improve one’s health, mood, and body’s ability to protect it’s youth dramatically. Kayo sells tools like the body comb so clients can get the benefits of a professional treatment at home.
Wellness isn’t something we achieve overnight, rather it’s a culmination of a lot of little decisions and small actions over time that work together to support a healthy, beautiful body. To learn more about Christine Bullock’s multi-targeted approach to wellness, visit www.kayobodycare.com.
How to Negotiate With Car Insurance Companies After an Accident
After a car accident, negotiating with insurance companies comes with the territory. Unfortunately, most people don’t know what to do, so they end up being taken advantage of by the insurance companies. We don’t want this to happen to you.
Let’s explore several helpful tips that will allow you to negotiate strategically and get the results you want.
- Document Evidence
The foundation of a successful negotiation with insurance companies lies in thorough documentation. From the moment the accident occurs, gather as much evidence as possible.
Take photographs of the accident scene, including vehicle damage, skid marks, road conditions, and any visible injuries. Collect witness statements, police reports, and medical records to support your claim.
This documentation serves as crucial evidence to substantiate your case during negotiations. The more evidence you gather, the stronger your position will be when presenting your claim to the insurance company.
- Understand Policy Coverage
Familiarize yourself with the details of your insurance policy. Understand what is covered, the limits of coverage, and any applicable deductibles. Knowing the specifics of your policy empowers you to negotiate from a position of knowledge.
Take note of your policy’s provisions related to collision coverage, liability limits, medical payments, and any additional coverages that might be relevant to your situation. This understanding will help you assess the insurance company’s offers accurately and ensure you receive the compensation you’re entitled to under your policy.
- Hire an Attorney
You have the ability to represent yourself and speak directly with insurance companies about your claim. However, in complicated situations – or even simple situations where there are a lot of medical bills or damages involved – you’re better off getting some help.
“When an insurance company receives a claim for an injury, they do not simply roll over and pay out any amount that the injured person wants,” Parham Smith & Arcenhold explains. “Instead, thorough investigations take place. These companies have the resources necessary to look out for their best interests financially, which is why any injured individual should have the same level of legal representation.”
A good attorney is someone who specializes in car accident claims, has an extensive track record of successful negotiations with car insurance companies, and has been in your local area for a number of years. You want someone you can trust and depend on throughout this case, no matter how many twists and turns it might take.
- Stay Composed During Discussions
Negotiations with insurance adjusters can be intimidating, but maintaining composure is crucial. Be respectful and avoid being confrontational during discussions. Stick to the facts and avoid admitting fault or making statements that could be misconstrued as accepting liability.
Remain firm in advocating for fair compensation but avoid making rash decisions out of frustration. Take your time to review offers and consult with professionals, such as legal advisors or trusted experts, before accepting or rejecting any settlement offers.
As a general rule of thumb, an insurance company’s first settlement offer might only be worth 25 to 50 percent of the full value. This is why you should always reject the first offer and work with your attorney to negotiate back and forth.
- Value Your Claim Accurately
Accurately valuing your claim is critically important for a successful negotiation. Consider all the damages incurred, including vehicle repairs, medical expenses, lost wages, pain and suffering, and future rehabilitation costs. Gather estimates from reputable auto repair shops and medical professionals to substantiate your claim.
Don’t undervalue your losses. Consider the long-term implications of the accident, including potential future medical treatments or the impact of injuries on your quality of life. Presenting a well-documented and accurately valued claim increases your chances of obtaining fair compensation.
Negotiate With a Strategy
Remember, insurance wants to settle claims quickly and for as little as possible. However, armed with proper documentation, knowledge of your policy, a composed demeanor, and an accurately valued claim, you’ll be better positioned to negotiate effectively and secure a fair settlement.
Sugarcoating this process won’t do anything good for you. The reality is that it’s you versus the insurance companies. If you choose to plug your ears and pretend that nothing is happening, you will get the raw end of this deal. However, if you fight back with the assistance of an attorney who has a good strategy, you’ll put the insurance companies on their heels and force them to give ground.
As a result, you’ll likely get a much more fair settlement.
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