It’s her again. You feel like you are on edge. You want to tell her something but they won’t let you. Instead, imagine an anvil falling onto her head.

Are you feeling the same? It is difficult to navigate the world and not come across someone in conflict. However, grudges can lead to destruction. Researchers at the Department of Psychology at Medical College of Georgia conducted a 2009 survey that revealed that people who aren’t forgiving can suffer from more heart disease, pain disorders, and stomach ulcers.

“Holding onto negativity causes harm to the one who won’t forgive,”Dr. Matthew B. James, president of Honolulu’s American Pacific University and Empowerment Partnership and a teacher of an ancient Hawaiian spirituality, known as huna, says.

Worse still, refusing to forgive could lead to chains of resentment that can spread throughout entire communities. “When you point a finger at someone to blame them, there are always three fingers pointing back at you,”Dr. James.

However, it can be hard to let go old hurts. Dr. James recommends that grudge-bearers follow the steps below to find genuine forgiveness

– Let the person you are sorry for forgetting to tell them. You shouldn’t promise to forgive them. “forgive, but not forget”The goal is to let go of negative emotions.

Ask the other person for forgiveness. Even if it seems that you have done nothing wrong, you can ask for forgiveness. “Saying, ‘I forgive you; please forgive me, too’ brings the other person into the picture and gets them actively involved,”Dr. James.

– Engage in a conversation. You and the other person should have enough space to communicate all that is needed. Keep calm and use normal tones even if your opinions differ from what is being said. Your talk should end with you feeling relieved that your thoughts were brought out. Ask for forgiveness and give again.

Move on. Ask yourself what you’ve learned from this situation and use it to make better future decisions.

“To forgive and to never forget is to never forgive in the first place,”Dr. James. “We owe it to ourselves to experience true forgiveness.”

Visit www.Dr. James.com for more information and to learn more about his teachings. www.huna.com.

The pace of life today is rapid. The rise of digital technology has allowed people to communicate with each other via the internet and simultaneously check their children’s soccer scores. With the advent of the Internet, consumers can expect the same conveniences from all services and businesses except their insurance companies. For many people struggling to pay their medical bills, this can seem like a long wait, even though 98 percent of claims for health insurance are processed in 30 days.

Being insured is not enough, especially with nearly two-thirds American households earning less than 2002. It’s vital to understand how quickly and efficiently your insurance carrier pays claims. This is important for both financial and medical recovery.

According to a recent survey, 66% of workers would struggle to pay for the financial burdens associated with serious illnesses and injuries. Only 49% of workers have over $1,000 to pay out-of-pocket costs. Additionally, rising healthcare costs have forced employers to take cost-saving measures that are putting employees under greater financial pressure.

* Increasing employees’ health care insurance copayments.

* Increasing employees’ share of premium.

* Implementing high-deductible health plans with health savings accounts.

Some people might have to wait as long as a month to receive their insurance payments. Many insurance companies are able to provide customers with fast service thanks to modern technology and better understanding of their needs. This is just one example. AflacIt is almost rare for insurance companies to offer policies that include claims processing, approval, and payment in a single day.

In the past, fast payment policies were a luxury. It’s a necessity. It is more important than ever that you have money available immediately for serious injuries or illnesses. Your insurance company should be able to respond quickly.

Aflac’s One Day Pay guarantee can be found on aflac.com/onedaypay.