Car insurance avarage cost

Average car insurance rates by age will vary widely depending upon the age of the driver. When all other factors are the same or equal, older more experienced drivers pay much lower car insurance premium rates than younger drivers.In order to better illustrate how age affects car insurance rates, here is a sampling of rates collected from CarInsurance.com for a 2004 Honda Civic LX. For the purposes of this comparison, the vehicle has been paid off (no loan) and has a manual transmission. The vehicle is driven an average of 40 miles per day.
Coverage for our comparison includes a full comprehensive and collision policy, that offers limits which are considered to be standard coverage limits in most states.

Police Coverage Limits

• Bodily Injury Liability Coverage: $100,000 per person, $50,000 per accident
• Property Damage Liability Coverage: $50,000 per person, $50,000 per accident
• Medical Payments Coverage: $10,000 per person, no accident cap
• Uninsured Motorist Bodily Injury Coverage: $50,000 per person, $100,000 per accident
• Uninsured Property Damage Coverage: $50,000 per accident

Deductible Amounts

• Uninsured Motorist Deductible: $500
• Comprehensive Deductible: $250
• Collision Deductible: $250

Policy also includes coverage for towing and standard rental car coverage. Driver has no tickets or infractions in 5 previous years, and has average credit score.

Drivers Aged 24 Years and Younger Averages

For drivers under the age 24, rates for this automobile for a 6 month policy are as follows:

• Travelers Insurance: $1948
• Direct Insurance: $1954
• Esurance: $2339
• Safeco Insurance: $2920

Drivers Age 25 to 29

For drivers age 25 to 29, the average rates for the same 6 month coverage, for the same vehicle are:

• Travelers Insurance: $649
• Direct Insurance: $1117
• Esurance: $1200
• Safeco Insurance: $1485

Phen375 Personal review

All-round Approach

Phen375 is a strong appetite suppressant and this helps to keep calorie consumption in check. The lesser the amount of calories you consume, the lesser fat you accumulate.
The product helps to keep those nagging cravings under control to make for an easy weight loss experience. One of the best features of the product is that it attacks weight loss from many angles.
While the other products in the market focus on just fat burning or appetite control, Phen375 combines both of these and more to offer a full, all-round system to approach your weight loss.

Phen375 Is Safe to Use

Phen375 is manufactured in FDA pharmaceutical labs that subscribe to strict standards. This ensures that the product is of the highest quality.
It has been proven to be safe and harmless. Regular consumption of the drug does not lead to any problems. However, take care to stick to the recommended dosage to avoid any problems.
Phen 375 offers much more than the traditional herbal weight loss supplements available today. It is way ahead of all the weight loss products in the market in that it lives up to its promise of helping one lose weight really fast.
Several Phen375 reviews laud the product and talk about the many benefits of the product.
All in all, Phen375 is the best method to adopt for all those who are looking for steady, healthy weight loss. The product works best when taken in combination with a healthy diet and an exercise regimen.

Phen375 and Effectiveness

The effectiveness of this supplement has to do with its active ingredients which are responsible for burning fat rapidly in your body, speeding up your metabolism and keeping it at a level that allows you to lose weight easily and also controlling your appetite so you don't sabotage your diet with unhealthy foods and late night binges.
Phen375 works naturally with your body to increase the healthy functions that prevent you from storing fat and gaining weight.
The appetite suppressant is also natural; you'll be too busy filling up on healthy foods to let yourself lose control with snacking or fast food meals.

Is Phen375 Safe?

This product is created in a lab that has been approved by the FDA. You don't have to worry about harmful or unpleasant side effects.
When you take this supplement as directed, you'll feel outstanding. Other products have been taken off the market because of their terrible side effects and potential harm to long term health.
You don't have those concerns with Phen375. Instead, you know that when you buy phen375, you're getting something that works with your better health instead of against it.

Customer Satisfaction with Phen375

It's easy to read and listen to the testimonials of satisfied customers. There are a number of phen375 reviews online, and new ones are being posted and shared every day.
Before you buy phen375, take a few minutes to really hear what people have to say. You'll hear their success stories and their surprise and relief at how fast and efficiently phen375 worked for them.

My Professional Review of Mira Hair Oil Treatment

My name is Olivia and I own my own hair salon In Ottawa Canada and what I have to say about Mira hair oil is true based on my experience and my clients.

I have been using Mira hair oil on my clients for months now and the results have been amazing to say the least!

I use the word amazing because of not what I have witnessed but also what my clients have said to me

Please note I am not saying this because I get incentives, in fact there is no way of getting this oil through supply channels. You can only get it at their website.

Mira hair oil is not supplied locally nor delivered through a supplier. Hair dressers usually have their supplies delivered by a supplier or distribution shop such as Sally's or Cosmoprof but you will not find Mira hair oil in these stores

Mira hair oil came to my attention from a client of mine who raved about it and being a professional I had to test it out myself
So I first tested it out on myself! On the very first application my bleached hair took on life, it went from being dry and crunchy to silky, soft and smooth. And the results only got better because within a week I felt a difference in thickness and length. I say felt because I did not measure it, by week four my hair took on the youthful look and feel I once had as a teenager. I was convinced of its effectiveness as a healthy hair growth oil

I wanted more proof so I tested it out on my clients by offering it as a paid scalp and hair treatment with a scalp massage. In other words I tried it with actual paying clients; on clients who had hair issued like hair fall and damaged hair and the results were consistent with mine.

For instance, one of my client's hair is damaged as she gets lot of color dye, bleaching and straighten done to it and I told her to use a little Mira hair oil after any dye or color treatment. The results were also good in just a few short treatments her dry brittle "hay like hair" immediately got its softness and elasticity back, she was amazed at the results

As a hair stylist I know how damaging the effects of bleaching your hair can be I mean it literally damages and breaks down the structure of your hair so it is very hard to get that soft healthy look back again unless you grow your hair out. And that is what this oil seems to do as well-grow your hair out fast!






Another client I have comes in for a scalp massage with Mira hair oil and she is hooked on the oil as well, she simply loves the way it breathes life into her hair- and this client of mine comes in weekly for a treatment with Mira hair oil on her own accord and suggestion without me promoting it or pushing it

Another client has thinning hair in the front of her head and thick hair at the back and with regular use of the oil she is growing back thicker and healthier hair. So yes I am saying from my clients experience that this oil does regrow hair and will stop hair falling!

She pays me $60 for a Mira hair oil treatment with a short scalp massage. I tell you all this because I want you to know I tested it for real with no incentive for profit from the company- in fact I bought the oil from the website at $69.99 a bottle!

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The following may be considered indications for prophylactic migraine therapy:

• Frequency of migraine attacks is greater than 2 per month
• Duration of individual attacks is longer than 24 hours
• The headaches cause major disruptions in the patient’s lifestyle, with significant disability that lasts 3 or more days
• Abortive therapy fails or is overused
• Symptomatic medications are contraindicated or ineffective
• Use of abortive medications more than twice a week
• Migraine variants such as hemiplegic migraine or rare headache attacks producing profound disruption or risk of permanent neurological injury^[65]

The goals of preventive therapy are as follows:

• Reduce attack frequency, severity, and/or duration
• Improve responsiveness to acute attacks
• Reduce disability

Currently, the major prophylactic medications for migraine work via one of the following mechanisms:

• 5-HT2 antagonism - Methysergide
• Regulation of voltage-gated ion channels - Calcium channel blockers
• Modulation of central neurotransmitters - Beta-blockers, tricyclic antidepressants
• Enhancing GABAergic inhibition - Valproic acid, gabapentin

Another notable mechanism is alteration of neuronal oxidative metabolism by riboflavin and reducing neuronal hyperexcitability by magnesium replacement.
As with abortive medications, the selection of a preventive medication must take into consideration comorbid conditions and side effect profile (see Table 2 and Table 3 below). Most preventive medications have modest efficacies and have therapeutic gains of less than 50% when compared to placebo. The latency between initiation of therapy and onset of positive treatment response can be quite prolonged. Furthermore, the scientific basis for using most of these medications is wanting.
Propranolol, timolol, methysergide, valproic acid, and topiramate (Topamax) have been approved by the FDA for migraine prophylaxis. However, a 2009 report suggested that long-term topiramate use in pediatric patients can cause metabolic acidosis and hypokalemia; the risk was deemed mild but statistically significant.^[66]
The nonsteroidal anti-inflammatory drug naproxen sodium has also been used for prophylaxis. In controlled clinical trials, naproxen sodium demonstrated better efficacy than placebo and efficacy similar to propranolol. Tolfenamic acid has also been tried for migraine prophylaxis, but the clinical efficacy is not as good as that of beta-blockers, valproate, or methysergide.
Table 2. Preventive Drugs (Open Table in a new window)

First line	High efficacy	Beta-blockers Tricyclic antidepressants Divalproex Topiramate
	Low efficacy	Verapamil NSAIDs SSRIs
Second line	High efficacy	Methysergide Flunarizine MAOIs
	Unproven efficacy	Cyproheptadine Gabapentin Lamotrigine

Table 3. Preventive Medication for Comorbid Conditions (Open Table in a new window)

Comorbid Condition	Medication
Hypertension	Beta-blockers
Angina	Beta-blockers
Stress	Beta-blockers
Depression	Tricyclic antidepressants, SSRIs
Underweight	Tricyclic antidepressants
Epilepsy	Valproic acid, Topiramate
Mania	Valproic acid

Of note, an open pilot study reports that quetiapine is effective for migraine prophylaxis in patients with migraine refractory to treatment with standard therapies (eg, atenolol, nortriptyline, flunarizine). The authors stated that controlled studies are necessary to confirm their observations.^[67]

Classes of prophylactic drugs

The 3 principal classes of medications that are effective for migraine prevention are antiepileptics, antidepressants, and antihypertensives.
Antiepileptics are generally well tolerated. The main adverse effects of topiramate are weight loss and dysesthesia.^[68] Valproic acid (Depakote) is useful as a first-line agent. It is a good mood stabilizer and can benefit patients with concomitant mood swings. However, it can cause weight gain, hair loss, and polycystic ovary disease; therefore, it may not be ideal for young female patients who have a tendency to gain weight.
Valproic acid also carries substantial risks in pregnancy; it may be best suited for women who have had tubal ligation and who cannot tolerate calcium channel blockers because of dizziness. Data for other antiepileptics (eg, gabapentin,^[69] lamotrigine, oxcarbazepine) are limited in migraine.
Tricyclic antidepressants are good second-line alternatives because of their adverse-effect profile and efficacy. Amitriptyline and nortriptyline are most effective. Although serotonin-selective reuptake inhibitors are widely used, data regarding their efficacy in migraine prevention are lacking.
Antihypertensives such as beta-blockers should be tailored if the patient is young and anxious. They may not be the ideal choice for elderly patients or patients with depression, thyroid problems, or diabetes. Calcium channel blockers are another possible choice of treatment. ACE inhibitors (eg, lisinopril) and angiotensin-receptor blockers (eg, candesartan)^[70] have also been shown to be effective for migraine prevention.^[71]
For any of these prophylactic agents, prophylaxis should not be considered a failure until it has been given at the maximum tolerable dose for at least 30 days.

Botulinum toxin

Botulinum toxin A (onabotulinumtoxinA; BOTOX®) may be beneficial in patients with intractable migraine headaches that fail to respond to at least 3 conventional preventive medication. The injections are administered to the scalp and temple. They may reduce the frequency and severity of migraine attacks after 2-3 months of injections.
The injections are expensive and must be administered every 2-3 months to maintain their effectiveness. The most appropriate duration of prophylactic therapy has not been determined. In most patients who are receiving prophylaxis, therapy must be continued for at least 3-6 months.
Multiple trials of onabotulinumtoxinA for migraine prevention have been conducted, with mixed results.^[72] A review by Schulte-Mattler and Martinez-Castrillo found no evidence for a beneficial effect of botulinum toxin. These authors do not recommend the widespread use of botulinum toxin therapy in headaches.^[73]
More recently, however, 2 multicenter, placebo-controlled trials included in the Phase 3 Research Evaluating Migraine Prophylaxis Therapy (PREEMPT) clinical program found onabotulinumtoxinA to be effective for headache prophylaxis in adults with chronic migraine. Nearly 1400 patients were included in the results. Secondary benefits included significantly reduced headache-related disability and improved functioning, vitality, and overall health-related quality of life.^[74]

Migraine Treatments and drugs

A variety of drugs have been specifically designed to treat migraines. In addition, some drugs commonly used to treat other conditions also may help relieve or prevent migraines. Medications used to combat migraines fall into two broad categories:

• Pain-relieving medications. Also known as acute or abortive treatment, these types of drugs are taken during migraine attacks and are designed to stop symptoms that have already begun.
• Preventive medications. These types of drugs are taken regularly, often on a daily basis, to reduce the severity or frequency of migraines.

Choosing a strategy to manage your migraines depends on the frequency and severity of your headaches, the degree of disability your headaches cause, and your other medical conditions.
Some medications aren't recommended if you're pregnant or breast-feeding. Some aren't used for children. Your doctor can help find the right medication for you.
Pain-relieving medications
For best results, take pain-relieving drugs as soon as you experience signs or symptoms of a migraine. It may help if you rest or sleep in a dark room after taking them:

• Pain relievers. These medications, such as ibuprofen (Advil, Motrin, others) or acetaminophen (Tylenol, others) may help relieve mild migraines. Drugs marketed specifically for migraines, such as the combination of acetaminophen, aspirin and caffeine (Excedrin Migraine), also may ease moderate migraine pain but aren't effective alone for severe migraines. If taken too often or for long periods of time, these medications can lead to ulcers, gastrointestinal bleeding and rebound headaches. The prescription pain reliever indomethacin may help thwart a migraine headache and is available in suppository form, which may be helpful if you're nauseous.
• Triptans. For many people with migraine attacks, triptans are the drug of choice. They are effective in relieving the pain, nausea, and sensitivity to light and sound that are associated with migraines. Medications include sumatriptan (Imitrex), rizatriptan (Maxalt), almotriptan (Axert), naratriptan (Amerge), zolmitriptan (Zomig), frovatriptan (Frova) and eletriptan (Relpax). Side effects of triptans include nausea, dizziness and muscle weakness. They aren't recommended for people at risk for strokes and heart attacks. A single-tablet combination of sumatriptan and naproxen sodium (Treximet) has proved more effective in relieving migraine symptoms than either medication on its own.
• Ergot. Ergotamine and caffeine combination drugs (Migergot, Cafergot) are much less expensive, but also less effective, than triptans. They seem most effective in those whose pain lasts for more than 48 hours. Dihydroergotamine (D.H.E. 45, Migranal) is an ergot derivative that is more effective and has fewer side effects than ergotamine. It's also available as a nasal spray and in injection form.
• Anti-nausea medications. Because migraines are often accompanied by nausea, with or without vomiting, medication for nausea is appropriate and is usually combined with other medications. Frequently prescribed medications are metoclopramide (Reglan) or prochlorperazine (Compro).
• Opiates. Medications containing narcotics, particularly codeine, are sometimes used to treat migraine headache pain when people can't take triptans or ergot. Narcotics are habit-forming and are usually used only as a last resort.
• Dexamethasone. This corticosteroid may be used in conjunction with other medication to improve pain relief. Because of the risk of steroid toxicity, dexamethasone should not be used frequently.

Preventive medications
You may be a candidate for preventive therapy if you have two or more debilitating attacks a month, if pain-relieving medications aren't helping, or if your migraine signs and symptoms include a prolonged aura or numbness and weakness.
Preventive medications can reduce the frequency, severity and length of migraines and may increase the effectiveness of symptom-relieving medicines used during migraine attacks. Your doctor may recommend that you take preventive medications daily, or only when a predictable trigger, such as menstruation, is approaching.
In most cases, preventive medications don't eliminate headaches completely, and some cause serious side effects. If you have had good results from preventive medicine and have been migraine-free for six months to a year, your doctor may recommend tapering off the medication to see if your migraines return without it.
For best results, take these medications as your doctor recommends:

• Cardiovascular drugs. Beta blockers — commonly used to treat high blood pressure and coronary artery disease — can reduce the frequency and severity of migraines. The beta blocker propranolol (Inderal La, Innopran XL, others) has proved effective for preventing migraines. Calcium channel blockers, another class of cardiovascular drugs, especially verapamil (Calan, Verelan, others), also may be helpful in preventing migraines and relieving symptoms from aura. In addition, the antihypertensive medication lisinopril (Zestril) has been found useful in reducing the length and severity of migraines. Researchers don't understand exactly why these cardiovascular drugs prevent migraine attacks. Side effects can include dizziness, drowsiness or lightheadedness.
• Antidepressants. Certain antidepressants are good at helping to prevent some types of headaches, including migraines. Tricyclic antidepressants, such as amitriptyline, nortriptyline (Pamelor) and protriptyline (Vivactil) are often prescribed for migraine prevention. Tricyclic antidepressants may reduce migraine headaches by affecting the level of serotonin and other brain chemicals, though amitriptyline is the only one proved to be effective for migraine headaches. You don't have to have depression to benefit from these drugs. Other classes of antidepressants called selective serotonin reuptake inhibitors (SSRIs) and serotonin-norepinephrine reuptake inhibitors (SNRIs) haven't been proved as effective for migraine headache prevention. However, preliminary research suggests that one SNRI, venlafaxine (Effexor, Venlafaxine HCL), may be helpful in preventing migraines.
• Anti-seizure drugs. Some anti-seizure drugs, such as valproate (Depacon), topiramate (Topamax) and gabapentin (Neurontin), seem to reduce the frequency of migraines. Lamotrigine (Lamictal) may be helpful if you have migraines with aura. In high doses, however, these anti-seizure drugs may cause side effects, such as nausea and vomiting, diarrhea, cramps, hair loss, and dizziness.
• Cyproheptadine. This antihistamine specifically affects serotonin activity. Doctors sometimes give it to children as a preventive measure.
• Botulinum toxin type A (Botox). The FDA has approved botulinum toxin type A for treatment of chronic migraine headaches in adults. During this procedure, injections are made in muscles of the forehead and neck. When this is effective, the treatment typically needs to be repeated every 12 weeks.