Internet Marketing and Advertisement

May 20, 2016

Internet marketing and advertisement, it will be well worth your while to look closely at this article and to get informed up-to-the minute industry internet marketing standards, tools and techniques for advertisement, those tools and techniques that are aimed at producing marketers who will be empowered with the skills and knowledge required in today’s competitive global market place.

Internet Marketing is combination of both paid and un-paid marketing, which is also called organic (un-paid) and in-organic (paid) methods of marketing. The technique which is used to market the website or product without paying i.e. the un-paid technique of marketing is Search Engine Optimization. However Search Engine optimization will not be discussed here. The other technique of marketing is paid advertisement and paid internet marketing that will be my core topic here.

The world’s top three search engines Google, Yahoo, MSN (Bing) provide the powerful tools and techniques for the paid advertisement and internet marketing on the search engines. The reason of why these search engines provide the tools is, according to the facts and figures of 2008-09 the 70-80% of the traffic comes through search engines and Google has the largest share in this percentage. That’s why Google AdWords is one of the mostly used and powerful tools in paid internet marketing and advertisement.

Before telling you in detail about Google AdWords, let me tell you the basic difference between the paid and un-paid internet marketing. If the website is at the top of the Google 1st page at the left side followed by other web sites, then it is through the un-paid techniques of internet marketing and is called the organic results. Now if you see at the right side of the Google page, there would be some ads with the heading on the top called sponsored ads, this is paid internet marketing. It would take time to get on the top of organic results in the Google through Search Engine Optimization, but you can be in the top of sponsored results in Google within ten minutes right after creating and managing you account in Google AdWords.

Here I am going to describe you the details and ways of internet marketing through Google AdWords.

Adwords, as I have told you, is Google’s advertising product, which displays your advertisement in the form of ads to people looking for your products or services on Google, in other words pay-per-click advertising model of Google. It allows you to display ads which directly link to your website or product when searches are made for your chosen keywords. These ads are located to the right of the results which Google gives you for a search and they’re also displayed on Google’s many partner sites which include AOL, HowStuffWorks and blogger.

After creating your AdWords ad, you choose keywords for which your ad will appear on Google and specify the maximum amount you’re willing to pay for each click. Remember Google’s AdWords program uses a PPC model it means you only pay when someone actually clicks on your ad and hence visits your website.

There are varieties of ad formats in AdWords, You can choose from those ad formats, including text, image, and easily track your ad performance using the reports available in your account. AdWords accounts also include graphs and performance data so you can track what’s working and edit your ads accordingly.
Life Cycle of Paid Advertising or PPC. Let’s take a quick look at how this works and analyze what is going on in PPC Advertising.

Your potential web visitor/client goes to Google, Yahoo, MSN or an affiliate site and types in a keyword phrase, for example “Swim Shoes”. Your ad appears alongside the results. Web visitor/client read your ad and click. Web visitor/client visit your site. Web visitor/client finds what they want and pick up the phone, fax, and order something online or through email.

The goal of all PPC advertising is obviously to drive more and more customers to a website, so you should try to think from customer’s perspective. Ask yourself what words a potential customer would type into the search engines. For example, let’s say company A is shoe maker and sell swim shoes. If I were a customer, what words would I type into Google, Yahoo or MSN to find this company?
Similarly, there are many other questions that must be in your mind along with the answers in order to run a successful advertising and marketing, like:

-What are the core products and services that you sell or offer?
-How do you distinguish your products and services from your competitors?
-What marketing material do you have addressing your products and services?
-How do customers usually find out about your business and Keywords that a customer would use to come to your website?

Remember! Spend significant amount of time on these questions to get answers. Now! Come to the task or activities after the advertising. With Google AdWords, it’s all about results. It’s important to analyze what you want to gain from your advertising and marketing and then plan how you’re going to measure that success. There are several key factors you’ll want to monitor to evaluate how well your advertisement is performing. Like:

-Are your ads running properly on the internet?
-Are you making a profit from your advertisement?
-Are you meeting your goals that you have defined before starting the advertisement?

Home Buyers and Sellers Real Estate Glossary

May 15, 2016

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.

1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.

1099: The statement of income reported to the IRS for an independent contractor.

A/I: A contract that is pending with attorney and inspection contingencies.

Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.

Addendum: An addition to; a document.

Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.

Agent: The licensed real estate salesperson or broker who represents buyers or sellers.

Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.

Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.

Appointments: Those times or time periods an agent shows properties to clients.

Appraisal: A document of opinion of property value at a specific point in time.

Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.

“As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.

Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.

Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.

Broker: A state licensed individual who acts as the agent for the seller or buyer.

Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.

Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.

Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.

Buyer: The purchaser of a property.

Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.

Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.

Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).

Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.

CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.

Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.

Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.

Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.

Condominium association: An association of all owners in a condominium.

Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.

Condominium declarations: A document that legally establishes a condominium.

Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.

Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.

Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.

Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.

Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.

Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.

Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.

Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.

Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.

Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.

Credit score: A score assigned to a borrower’s credit report based on information contained therein.

Curb appeal: The visual impact a property projects from the street.

Days on market: The number of days a property has been on the market.

Decree: A judgment of the court that sets out the agreements and rights of the parties.

Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.

Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.

DOM: Days on market.

Down payment: The amount of cash put toward a purchase by the borrower.

Drive-by: When
a buyer or seller agent or broker drives by a property listing or potential listing.

Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.

Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.

Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.

Expired (listing): A property listing that has expired per the terms of the listing agreement.

Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.

Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.

Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.

FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.

Fixture: Personal property that has become part of the property through permanent attachment.

Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.

For sale by owner (FSBO): A property that is for sale by the owner of the property.

Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.

Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.

Gross sale price: The sale price before any concessions.

Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.

Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.

HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.

Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.

IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.

Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.

Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.

Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.

Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.

Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.

Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.

List date: Actual date the property was listed with the current broker.

List price: The price of a property through a listing agreement.

Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.

Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.

Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.

Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.

Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.

Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.

Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.

Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.

Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.

Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.

Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.

Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.

Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.

Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.

Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.

Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.

Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.

Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.

Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.

Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.

National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.

Net sales price: Gross sales price less concessions to the buyers.

Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.

Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.

Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.

Parcel identification number (PIN): A taxing authority’s tracking number for a property.

Pending: A real estate contract that has been accepted on a property but the transaction has not closed.

Personal assistant: A real estate sales agent administrative assistant.

Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.

Preapproval: A higher level of buyer/borrower prequalificatio
n required by a mortgage lender. Some preapprovals have conditions the borrower must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.

Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.

Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.

Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.

Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.

Principal: The amount of money a buyer borrows.

Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.

Professional designation: Additional nonlicensed real estate education completed by a real estate professional.

Professional regulation: A state licensing authority that oversees and disciplines licensees.

Promissory note: A promise-to-pay document used with a contract or an offer to purchase.

R & I: Estimated and actual repair and improvement costs.

Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.

Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).

REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.

Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.

Relist: Property that was listed with another broker but relisted with a current broker.

Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.

Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.

Sale price: The price paid for a listing or property.

Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.

Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).

Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.

State Association of REALTORS®: An association of REALTORS® in a specific state.

Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.

Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.

Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.

Transaction: The real estate process from offer to closing or escrow.

Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.

Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.

24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.

Under contract: A property that has an accepted real estate contract between seller and buyer.

VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.

Virtual tour: An Internet web/cd-rom-based video presentation of a property.

VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.

W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.

W-9: The Internal Revenue form requesting taxpayer identification number and certification.

Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.

Will: A document by which a person disposes of his or her property after death.

Bathroom Remodeling Can Be a Daunting Task

May 13, 2016

Are you thinking about remodeling your home but don’t know if you should take on the project yourself or hire a home improvement professional? These are some remodeling tips that can prove quite useful as you begin the home improvement process.

For residential homes, the kitchen and bathroom are the two rooms that get remodeled most often. With all the technological advances in fixtures and appliances that are available, many people like to remodel in order to be as modern as possible. The only issue can be deciding which room to start with.

It is always better to leave remodeling to the professionals. They know more about remodeling and can work with you to get the best for your money. Talk with the professionals and pick one that you feel comfortable with because you will work with them on remodeling ideas.

Consulting with a remodeling professional regarding your ideas can be helpful for letting you know if your concepts are feasible or not. Some professionals will even provide specific remodeling tips that can significantly increase the value of your home.

It would be a good idea once you pick a a professional remodeling contractor, that you are sure about, that you sit down with them to talk about your plans for remodeling. Let them know exactly what you want done and find out if it is possible. At that time, they should be able to give you pricing information based on your plans and if and how alterations of your plans can give you the best pricing deal.

It’s more enjoyable to begin with the renovation of a bathroom, since it’s somewhat simpler than doing a kitchen remodel. Nevertheless, you still have a lot to think about if you renovate a bathroom. Are you going to be replacing the sink, bathtub, and/or commode? You should consult with your contractor on this subject so you can achieve your desired results. Perhaps a new faucet assembly rather than an entirely new sink would be sufficient to implement your style. Because bathroom remodeling can be a complex process, you should employ the services of an experienced professional contractor.

If a person needs the kitchen to be remodeled, she should discuss about the design with the contractor. Does she require a simple kitchen or have a theme. The person should discuss on having appliances like stoves, microwaves, and refrigerator, countertops, light fixtures and other details. Since the contractor will deal in detail, she can be at ease with the new design of the kitchen.

Bathroom and kitchen remodeling are not jobs for amateurs. These jobs are involved; let a professional handle these jobs so that you know the work is done properly. Trying to do these jobs yourself would be stressful and you run the risk of doing a substandard job.

The Role of Neurons in Substance Abuse

May 10, 2016

Addiction is a neurological disease and any attempt to define it otherwise can be met with compelling evidence. In fact, the nature of the disease of addiction is almost entirely based upon functions that occur within nerve cells and the circuits they are wired in. Understanding the role neurons play in substance abuse won’t help an addict get clean directly, but it will foster an environment of understanding that can help to mitigate and improve the serious public health threat of substance abuse.

What is a Nerve Cell?

There are billions – perhaps trillions – of nerve cells in the brain. Some scientists theorize there are so many nerve cells because in the event of their death or alteration, these cells are not regenerated and therefore we require a surplus of them. And because their functions are so critical, nerve cells are found in abundance in every area of the brain.

Nerve cells – also called neurons – have many different functions, but overall these functions are primarily communication-related. Neurons communicate by sending and receiving signals to other neurons and nerve circuits, to glands and other hormone-related organs, to muscle cells and other parts of the central nervous system.

Neurons are arranged in circuits, though individual nerve cells do not physically touch. Instead, they float freely within the circuit.

The Individual Parts of Nerve Cells/Neurons

A neuron has 4 primary components;

1. Cell Body: the actual body of the nerve cell

2. Dendrites: dendrites branch out from the top of the nerve cell body

3. Axon: the axon is a long “cord” that extends from the bottom of the cell body

4. Terminals: the terminals branch out from the end of the axon

What Happens During Drug Use

When drugs enter the bloodstream, a signal is sent that excites certain dendrites in a nerve circuit. This signal is processed by the cell body, which in turn then sends instructions about the signal down through the axon. The axon conveys the signal and a neurotransmitter – often dopamine – is released by the terminals.

The neurotransmitter settles into the small gap between individual neurons – called the synaptic gap – and binds with receptors found in the dendrites of connected nerve cells. This causes the user to feel a euphoric sensation or “high.” When drugs like cocaine, heroin or meth interfere with this process, the neurotransmitter is not reabsorbed correctly by the terminals, resulting in neurotransmitter saturation. This causes the high to last for an extended period of time, whereas a natural release of a transmitter like dopamine normally causes a mildly pleasant feeling that quickly dissipates.

How the Brain Corrects the Imbalance

Because drug use is essentially a chemical invasion of the brain, the central nervous system will seek to control the effects of the substance. This is accomplished through a process called drug tolerance, whereby users find it increasingly more difficult to get high.

Tolerance develops when changes are made to the way receptors bind with neurotransmitters, or when other processes in the nerve circuit are altered in order to reduce or eliminate the effects of the foreign substance. Unfortunately, this often means that the drug user will simply increase the dosage of drugs in order to overcome this growing tolerance. This is the beginning of the cycle of addiction.

Permanency of Changes

Changes made to receptors and nerve cells are not reversible. This means that the brain of a drug addict will have significantly changed by the time they stop using. Because these changes are largely permanent, they may cause the addict to feel differently than they did before they began using. Adjusting to these changes is the most difficult part of long term recovery from addiction or alcoholism.

The evidence shows that addiction is not an issue of morals or character; it has its roots literally in our brains and therefore deserves to be treated as the serious health concern that it is. This is why addiction can happen to anyone: we are all wired the same. The sooner we can understand this, the sooner we can begin to offer addicts the right treatment solutions, beginning with a grounded public perception of the neurological nature of addiction.

Do You Know That Over The Counter Age Spot Remover Is A Waste Of Money?

May 16, 2016

I was enraged when I first encountered the truth about over the counter age spot remover; I am sure you too might be using some or the other over the counter age spot remover but have you ever taken a step back and evaluated its effectiveness and value for money? If not, then it is time to face some hard facts about these products.

Did it ever occur to you that what ingredients are present in the cream that you use day in and day out? Did you ever try to find out if the cream that you are using is safe?

The reason all these questions never occur to you because you were always told the opposite. You were always told that these creams are safe and good for you, and like everyone else you too believed what you were told.

Next time you are out to buy an over the counter age spot remover try reading its ingredients list. This list contains all the ingredients that are present in the cream. It is forced by law to publish these ingredients on the product label. Here is a small and disturbing list of ingredients, which are used commonly in age spot removers.

Alcohol
Parabens
Fragrances
Dioxanes

All these are harmful to the skin and many other organs of our body. There are many campaigns running across the nation to ban the use of these ingredients in cosmetic products. Some of these ingredients are so harmful that not only do they damage the body of mothers; some of them are so intense that they damage the developing fetus in the mother’s womb.

It is in your interest to stay away from such harmful products. One action that common person like you and I can take is that we stop using such products. Once the demand of such products decreases dramatically then these companies will have to stop manufacturing such dangerous products.

I have taken a pledge to stop the use of over the counter age spot remover. I am doing my bit by educating other too. Are you doing your part? Well, the first step is to acknowledge that there exists a problem. Now that you are aware that such products are not good. Are you ready to move on to the next step?

If yes, then tell as many people as you can about harmful effects of over the counter age spot remover and promote the use of natural products. This is the only way you and I can make a difference. Do not waste any more time, log on to internet to learn about natural products and start using them right away.

Upscale Down Town Large City Parking Structure Onsite Auto Detailing and Car Washing

June 15, 2016

Over the years I’ve had mobile car washing and auto detailing companies ask me about working in large Metro Area parking structures, offering services to company employees in the building. Sometimes folks contact me about setting up services at Airport Park and Fly’s. The other day someone asked about a 1,000 parking space parking garage in the high-rent district. Okay so, let’s say you were putting together a business plan for something like this – how many car owners are really going to be interested in your services? Let’s talk.

It has been my experience that you get 15% peak at the 6th week point providing the quality is “excellent” in the first-fifth week. The first week expect perhaps 5-7%. Now then, generally if you offer 5-day week service you get the most business on Thurs-Fri for weekend, so at first the Monday-Tuesday business might be dismal. These numbers “assume” that you have pre-announced advanced notification, flyers, faxes, or notification from the property manager of a new service which everyone considers trying. You should get 8% of the people getting weekly washes after that 6th week, and the rest getting add-on services for the total of that 15%.

Now then, the people’s cars will still be clean from the original 1-2 weeks, so the second and third week, expect slow growth, less than the first two week, but things then progress. Some folks choose not to use the service regularly because of cost, or kids at home washing cars, DIY crowd; by week six you should peak or plateau at 75% of your future maximum future volume as you slowly win over folks who budget you as a fixed expense.

What about pricing?

Okay so, with all this said unless your buildings contain high-end clientele and is in the downtown financial district – lawyers and other financial type businesses – then your price should be fair and honorable for the middle class. Remember most of your customers will become – if you do this right – weekly executive in-and-out washes at let’s say $15-25 each. Then once per month quick express wax at $40-50. Then, every other month max detail $100+.

You should not forgo the single-mom secretary with the beginner entry point BMW, she’s your very best word of mouth, don’t price her out of the market! Or give her a “free exterior only” wash with tire-dressing if there are 5-or more per office that sign up.

Let’s say you are working with luxury buildings, not condos, I am taking about luxury office buildings with enormous parking structures; if this is a mega-high-end crowd it’s okay to keep your higher price points perhaps one-third or half again more, those higher prices might survive, although I am sketchy on that, economically speaking in the present period. You can always bundle extras rather than lowering price, and you can always bump the prices up a few more dollars once you prove yourself.

What if a property company has 10 or more buildings?

This is common in downtown districts as one company is in charge of many, many, buildings and parking structures. They want amenity type services in all of them. Still, don’t take all the buildings at once, work into it, over committing might be unwise, labor constraints issues, and customer service managers, very challenging working in such a controlled chaotic environment – at first, that is. You’ll get used to it. You have to get it right the first time or your reputation will be trashed for a long while, you could lose 10s of 1,000s of dollars in sales the first six months trying to overcome a poor start.

Indeed, I hope I’ve at least answered some of the questions you might have. Still, please remember all this advice are merely my preliminary thoughts, but I’ve been asked about this now so many times that I thought I’d just put it into an article to save my time in the future. Every circumstance is different, and to do this topic justice I’d really, really need more details on this to better accurately guestimate for each potential circumstance. Please consider all this and think on it.

Why You Must Use A Residential Roofing Company For Your Home

May 28, 2016

A house is the most important purchase that one makes in his life. Further, it offers protection to your family and belongings. Building the house as strongly as possible is therefore a prerequisite. Roof, for instance is the outermost protective shield that protects the interior of the house from harsh climate-snow, rain,hail/wind storm and so on and so forth. You may therefore take utmost care in building the roof with professional residential roofing company.

You can now find many roofing companies in and around your neighborhood. The increased number of storms and other natural calamities which are too often disturbing our peace have also initiated the demand for qualified roofing contractors. This has also made the roofing industry very competitive. One can however take the responsibility upon himself to install the roof of his home. But engaging the roofing company can be a life saver. In this article we have discussed the reasons why one may only hire a qualified roofing company for the job.

Expertise: The Residential roofing contractor is in possession of knowledge and expertise that are required for roof installation. He has the knowledge to identify your roofing requirements based on your budget and environment, and can suggest the best roofing solution accordingly. Further, the roofing contractor is in possession of the latest technology and equipments required to build roofs.

Maintenance: Many of the residential roofing contractors also offer maintenance services which would help you increase the lifetime of your roof. Regular maintenance is necessary to ensure safety of the residents and belongings. Identifying damages in roof requires professional expertise and experience. The roofing contractor would offer services to reinstall the roof and change slats as and when required.

Debris removal: You would need professionals help remove the debris of the changed roof. The residential roofing company would offer debris removal and disposing services. Further, they would also cause minimum damage to your home while installing roof.

Licenses and bonds: Your local legislative body would require both the residential and Commercial roofing contractors to be licensed and bonded to carry out roof installation assignments. It may also be a legal requirement to have the roofs installed only by licensed roofing contractors. Further, the contractor is likely to carry insurance, as per business requirements, to cover damages caused by them.

Budget option: If you think that carrying out roofing assignments by yourself is the frugal way, you are wrong. If you are not a professional there can be many things go wrong during the period to increase the overall cost. With residential roofing companies you can shop around for the most budget solution. The roofing contractor would help you find the best roofing option within your budget.

Insurer’s requirement: Your home insurer may demand that you engage only a certified roofing contractor for the job to have the damages covered by them.

Finally, having a professional residential roofing contractor to perform the job is the hassle free solution. It would ensure peace of mind for you. The increased demand for commercial roofing and residential roofing companies has encouraged many to participate into the competitive market. Hence, it is no longer difficult to find an affordable roofing company in your area.

Health Savings Accounts – An American Innovation in Health Insurance

June 26, 2016

INTRODUCTON – The term “health insurance” is commonly used in the United States to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a non-insurance social welfare program funded by the government. Synonyms for this usage include “health coverage,” “health care coverage” and “health benefits” and “medical insurance.” In a more technical sense, the term is used to describe any form of insurance that provides protection against injury or illness.

In America, the health insurance industry has changed rapidly during the last few decades. In the 1970’s most people who had health insurance had indemnity insurance. Indemnity insurance is often called fee-forservice. It is the traditional health insurance in which the medical provider (usually a doctor or hospital) is paid a fee for each service provided to the patient covered under the policy. An important category associated with the indemnity plans is that of consumer driven health care (CDHC). Consumer-directed health plans allow individuals and families to have greater control over their health care, including when and how they access care, what types of care they receive and how much they spend on health care services.

These plans are however associated with higher deductibles that the insured have to pay from their pocket before they can claim insurance money. Consumer driven health care plans include Health Reimbursement Plans (HRAs), Flexible Spending Accounts (FSAs), high deductible health plans (HDHps), Archer Medical Savings Accounts (MSAs) and Health Savings Accounts (HSAs). Of these, the Health Savings Accounts are the most recent and they have witnessed rapid growth during the last decade.

WHAT IS A HEALTH SAVINGS ACCOUNT?

A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States. The funds contributed to the account are not subject to federal income tax at the time of deposit. These may be used to pay for qualified medical expenses at any time without federal tax liability.

Another feature is that the funds contributed to Health Savings Account roll over and accumulate year over year if not spent. These can be withdrawn by the employees at the time of retirement without any tax liabilities. Withdrawals for qualified expenses and interest earned are also not subject to federal income taxes. According to the U.S. Treasury Office, ‘A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care.

HSA’s enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.’ Thus the Health Savings Account is an effort to increase the efficiency of the American health care system and to encourage people to be more responsible and prudent towards their health care needs. It falls in the category of consumer driven health care plans.

Origin of Health Savings Account

The Health Savings Account was established under the Medicare Prescription Drug, Improvement, and Modernization Act passed by the U.S. Congress in June 2003, by the Senate in July 2003 and signed by President Bush on December 8, 2003.

Eligibility –

The following individuals are eligible to open a Health Savings Account –

– Those who are covered by a High Deductible Health Plan (HDHP).
– Those not covered by other health insurance plans.
– Those not enrolled in Medicare4.

Also there are no income limits on who may contribute to an HAS and there is no requirement of having earned income to contribute to an HAS. However HAS’s can’t be set up by those who are dependent on someone else’s tax return. Also HSA’s cannot be set up independently by children.

What is a High Deductible Health plan (HDHP)?

Enrollment in a High Deductible Health Plan (HDHP) is a necessary qualification for anyone wishing to open a Health Savings Account. In fact the HDHPs got a boost by the Medicare Modernization Act which introduced the HSAs. A High Deductible Health Plan is a health insurance plan which has a certain deductible threshold. This limit must be crossed before the insured person can claim insurance money. It does not cover first dollar medical expenses. So an individual has to himself pay the initial expenses that are called out-of-pocket costs.

In a number of HDHPs costs of immunization and preventive health care are excluded from the deductible which means that the individual is reimbursed for them. HDHPs can be taken both by individuals (self employed as well as employed) and employers. In 2008, HDHPs are being offered by insurance companies in America with deductibles ranging from a minimum of $1,100 for Self and $2,200 for Self and Family coverage. The maximum amount out-of-pocket limits for HDHPs is $5,600 for self and $11,200 for Self and Family enrollment. These deductible limits are called IRS limits as they are set by the Internal Revenue Service (IRS). In HDHPs the relation between the deductibles and the premium paid by the insured is inversely propotional i.e. higher the deductible, lower the premium and vice versa. The major purported advantages of HDHPs are that they will a) lower health care costs by causing patients to be more cost-conscious, and b) make insurance premiums more affordable for the uninsured. The logic is that when the patients are fully covered (i.e. have health plans with low deductibles), they tend to be less health conscious and also less cost conscious when going for treatment.

Opening a Health Savings Account

An individual can sign up for HSAs with banks, credit unions, insurance companies and other approved companies. However not all insurance companies offer HSAqualified health insurance plans so it is important to use an insurance company that offers this type of qualified insurance plan. The employer may also set up a plan for the employees. However, the account is always owned by the individual. Direct online enrollment in HSA-qualified health insurance is available in all states except Hawaii, Massachusetts, Minnesota, New Jersey, New York, Rhode Island, Vermont and Washington.

Contributions to the Health Savings Account

Contributions to HSAs can be made by an individual who owns the account, by an employer or by any other person. When made by the employer, the contribution is not included in the income of the employee. When made by an employee, it is treated as exempted from federal tax. For 2008, the maximum amount that can be contributed (and deducted) to an HSA from all sources is:
$2,900 (self-only coverage)
$5,800 (family coverage)

These limits are set by the U.S. Congress through statutes and they are indexed annually for inflation. For individuals above 55 years of age, there is a special catch up provision that allows them to deposit additional $800 for 2008 and $900 for 2009. The actual maximum amount an individual can contribute also depends on the number of months he is covered by an HDHP (pro-rated basis) as of the first day of a month. For eg If you have family HDHP coverage from January 1,2008 until June 30, 2008, then cease having HDHP coverage, you are allowed an HSA contribution of 6/12 of $5,800, or $2,900 for 2008. If you have family HDHP coverage from January 1,2008 until June 30, 2008, and have self-only HDHP coverage from July 1, 2008 to December 31, 2008, you are allowed an HSA contribution of 6/12 x $5,800 plus 6/12 of $2,900, or $4,350 for 2008. If an individual opens an HDHP on the first day of a month, then he can contribute to HSA on the first day itself. However, if he/she opens an account on any other day than the first, then he can contribute to the HSA from the next month onwards. Contributions can be made as late as April 15 of the following year. Contributions to the HSA in excess of the contribution limits must be withdrawn by the individual or be subject to an excise tax. The individual must pay income tax on the excess withdrawn amount.

Contributions by the Employer

The employer can make contributions to the employee’s HAS account under a salary reduction plan known as Section 125 plan. It is also called a cafeteria plan. The contributions made under the cafeteria plan are made on a pre-tax basis i.e. they are excluded from the employee’s income. The employer must make the contribution on a comparable basis. Comparable contributions are contributions to all HSAs of an employer which are 1) the same amount or 2) the same percentage of the annual deductible. However, part time employees who work for less than 30 hours a week can be treated separately. The employer can also categorize employees into those who opt for self coverage only and those who opt for a family coverage. The employer can automatically make contributions to the HSAs on the behalf of the employee unless the employee specifically chooses not to have such contributions by the employer.

Withdrawals from the HSAs

The HSA is owned by the employee and he/she can make qualified expenses from it whenever required. He/She also decides how much to contribute to it, how much to withdraw for qualified expenses, which company will hold the account and what type of investments will be made to grow the account. Another feature is that the funds remain in the account and role over from year to year. There are no use it or lose it rules. The HSA participants do not have to obtain advance approval from their HSA trustee or their medical insurer to withdraw funds, and the funds are not subject to income taxation if made for ‘qualified medical expenses’. Qualified medical expenses include costs for services and items covered by the health plan but subject to cost sharing such as a deductible and coinsurance, or co-payments, as well as many other expenses not covered under medical plans, such as dental, vision and chiropractic care; durable medical equipment such as eyeglasses and hearing aids; and transportation expenses related to medical care. Nonprescription, over-the-counter medications are also eligible. However, qualified medical expense must be incurred on or after the HSA was established.

Tax free distributions can be taken from the HSA for the qualified medical expenses of the person covered by the HDHP, the spouse (even if not covered) of the individual and any dependent (even if not covered) of the individual.12 The HSA account can also be used to pay previous year’s qualified expenses subject to the condition that those expenses were incurred after the HSA was set up. The individual must preserve the receipts for expenses met from the HSA as they may be needed to prove that the withdrawals from the HSA were made for qualified medical expenses and not otherwise used. Also the individual may have to produce the receipts before the insurance company to prove that the deductible limit was met. If a withdrawal is made for unqualified medical expenses, then the amount withdrawn is considered taxable (it is added to the individuals income) and is also subject to an additional 10 percent penalty. Normally the money also cannot be used for paying medical insurance premiums. However, in certain circumstances, exceptions are allowed.

These are –

1) to pay for any health plan coverage while receiving federal or state unemployment benefits.
2) COBRA continuation coverage after leaving employment with a company that offers health insurance coverage.
3) Qualified long-term care insurance.
4) Medicare premiums and out-of-pocket expenses, including deductibles, co-pays, and coinsurance for: Part A (hospital and inpatient services), Part B (physician and outpatient services), Part C (Medicare HMO and PPO plans) and Part D (prescription drugs).

However, if an individual dies, becomes disabled or reaches the age of 65, then withdrawals from the Health Savings Account are considered exempted from income tax and additional 10 percent penalty irrespective of the purpose for which those withdrawals are made. There are different methods through which funds can be withdrawn from the HSAs. Some HSAs provide account holders with debit cards, some with cheques and some have options for a reimbursement process similar to medical insurance.

Growth of HSAs

Ever since the Health Savings Accounts came into being in January 2004, there has been a phenomenal growth in their numbers. From around 1 million enrollees in March 2005, the number has grown to 6.1 million enrollees in January 2008.14 This represents an increase of 1.6 million since January 2007, 2.9 million since January 2006 and 5.1 million since March 2005. This growth has been visible across all segments. However, the growth in large groups and small groups has been much higher than in the individual category. According to the projections made by the U.S. Treasury Department, the number of HSA policy holders will increase to 14 million by 2010. These 14 million policies will provide cover to 25 to 30 million U.S. citizens.

In the Individual Market, 1.5 million people were covered by HSA/HDHPs purchased as on January 2008. Based on the number of covered lives, 27 percent of newly purchased individual policies (defined as those purchased during the most recent full month or quarter) were enrolled in HSA/HDHP coverage. In the small group market, enrollment stood at 1.8 million as of January 2008. In this group 31 percent of all new enrollments were in the HSA/HDHP category. The large group category had the largest enrollment with 2.8 million enrollees as of January 2008. In this category, six percent of all new enrollments were in the HSA/HDHP category.

Benefits of HSAs

The proponents of HSAs envisage a number of benefits from them. First and foremost it is believed that as they have a high deductible threshold, the insured will be more health conscious. Also they will be more cost conscious. The high deductibles will encourage people to be more careful about their health and health care expenses and will make them shop for bargains and be more vigilant against excesses in the health care industry. This, it is believed, will reduce the growing cost of health care and increase the efficiency of the health care system in the United States. HSA-eligible plans typically provide enrollee decision support tools that include, to some extent, information on the cost of health care services and the quality of health care providers. Experts suggest that reliable information about the cost of particular health care services and the quality of specific health care providers would help enrollees become more actively engaged in making health care purchasing decisions. These tools may be provided by health insurance carriers to all health insurance plan enrollees, but are likely to be more important to enrollees of HSA-eligible plans who have a greater financial incentive to make informed decisions about the quality and costs of health care providers and services.

It is believed that lower premiums associated with HSAs/HDHPs will enable more people to enroll for medical insurance. This will mean that lower income groups who do not have access to medicare will be able to open HSAs. No doubt higher deductibles are associated with HSA eligible HDHPs, but it is estimated that tax savings under HSAs and lower premiums will make them less expensive than other insurance plans. The funds put in the HSA can be rolled over from year to year. There are no use it or lose it rules. This leads to a growth in savings of the account holder. The funds can be accumulated tax free for future medical expenses if the holder so desires. Also the savings in the HSA can be grown through investments.

The nature of such investments is decided by the insured. The earnings on savings in the HSA are also exempt from income tax. The holder can withdraw his savings in the HSA after turning 65 years old without paying any taxes or penalties. The account holder has complete control over his/her account. He/She is the owner of the account right from its inception. A person can withdraw money as and when required without any gatekeeper. Also the owner decides how much to put in his/her account, how much to spend and how much to save for the future. The HSAs are portable in nature. This means that if the holder changes his/her job, becomes unemployed or moves to another location, he/she can still retain the account.

Also if the account holder so desires he can transfer his Health Saving Account from one managing agency to another. Thus portability is an advantage of HSAs. Another advantage is that most HSA plans provide first-dollar coverage for preventive care. This is true of virtually all HSA plans offered by large employers and over 95% of the plans offered by small employers. It was also true of over half (59%) of the plans which were purchased by individuals.

All of the plans offering first-dollar preventive care benefits included annual physicals, immunizations, well-baby and wellchild care, mammograms and Pap tests; 90% included prostate cancer screenings and 80% included colon cancer screenings. Some analysts believe that HSAs are more beneficial for the young and healthy as they do not have to pay frequent out of pocket costs. On the other hand, they have to pay lower premiums for HDHPs which help them meet unforeseen contingencies.

Health Savings Accounts are also advantageous for the employers. The benefits of choosing a health Savings Account over a traditional health insurance plan can directly affect the bottom line of an employer’s benefit budget. For instance Health Savings Accounts are dependent on a high deductible insurance policy, which lowers the premiums of the employee’s plan. Also all contributions to the Health Savings Account are pre-tax, thus lowering the gross payroll and reducing the amount of taxes the employer must pay.

Criticism of HSAs

The opponents of Health Savings Accounts contend that they would do more harm than good to America’s health insurance system. Some consumer organizations, such as Consumers Union, and many medical organizations, such as the American Public Health Association, have rejected HSAs because, in their opinion, they benefit only healthy, younger people and make the health care system more expensive for everyone else. According to Stanford economist Victor Fuchs, “The main effect of putting more of it on the consumer is to reduce the social redistributive element of insurance.

Some others believe that HSAs remove healthy people from the insurance pool and it makes premiums rise for everyone left. HSAs encourage people to look out for themselves more and spread the risk around less. Another concern is that the money people save in HSAs will be inadequate. Some people believe that HSAs do not allow for enough savings to cover costs. Even the person who contributes the maximum and never takes any money out would not be able to cover health care costs in retirement if inflation continues in the health care industry.

Opponents of HSAs, also include distinguished figures like state Insurance Commissioner John Garamendi, who called them a “dangerous prescription” that will destabilize the health insurance marketplace and make things even worse for the uninsured. Another criticism is that they benefit the rich more than the poor. Those who earn more will be able to get bigger tax breaks than those who earn less. Critics point out that higher deductibles along with insurance premiums will take away a large share of the earnings of the low income groups. Also lower income groups will not benefit
substantially from tax breaks as they are already paying little or no taxes. On the other hand tax breaks on savings in HSAs and on further income from those HSA savings will cost billions of dollars of tax money to the exchequer.

The Treasury Department has estimated HSAs would cost the government $156 billion over a decade. Critics say that this could rise substantially. Several surveys have been conducted regarding the efficacy of the HSAs and some have found that the account holders are not particularly satisfied with the HSA scheme and many are even ignorant about the working of the HSAs. One such survey conducted in 2007 of American employees by the human resources consulting firm Towers Perrin showed satisfaction with account based health plans (ABHPs) was low. People were not happy with them in general compared with people with more traditional health care. Respondants said they were not comfortable with the risk and did not understand how it works.

According to the Commonwealth Fund, early experience with HAS eligible high-deductible health plans reveals low satisfaction, high out of- pocket costs, and cost-related access problems. Another survey conducted with the Employee Benefits Research Institute found that people enrolled in HSA-eligible high-deductible health plans were much less satisfied with many aspects of their health care than adults in more comprehensive plans People in these plans allocate substantial amounts of income to their health care, especially those who have poorer health or lower incomes. The survey also found that adults in high-deductible health plans are far more likely to delay or avoid getting needed care, or to skip medications, because of the cost. Problems are particularly pronounced among those with poorer health or lower incomes.

Political leaders have also been vocal about their criticism of the HSAs. Congressman John Conyers, Jr. issued the following statement criticizing the HSAs “The President’s health care plan is not about covering the uninsured, making health insurance affordable, or even driving down the cost of health care. Its real purpose is to make it easier for businesses to dump their health insurance burden onto workers, give tax breaks to the wealthy, and boost the profits of banks and financial brokers. The health care policies concocted at the behest of special interests do nothing to help the average American. In many cases, they can make health care even more inaccessible.” In fact a report of the U.S. governments Accountability office, published on April 1, 2008 says that the rate of enrollment in the HSAs is greater for higher income individuals than for lower income ones.

A study titled “Health Savings Accounts and High Deductible Health Plans: Are They an Option for Low-Income Families? By Catherine Hoffman and Jennifer Tolbert which was sponsored by the Kaiser Family Foundation reported the following key findings regarding the HSAs:

a) Premiums for HSA-qualified health plans may be lower than for traditional insurance, but these plans shift more of the financial risk to individuals and families through higher deductibles.
b) Premiums and out-of-pocket costs for HSA-qualified health plans would consume a substantial portion of a low-income family’s budget.
c) Most low-income individuals and families do not face high enough tax liability to benefit in a significant way from tax deductions associated with HSAs.
d) People with chronic conditions, disabilities, and others with high cost medical needs may face even greater out-of-pocket costs under HSA-qualified health plans.
e) Cost-sharing reduces the use of health care, especially primary and preventive services, and low-income individuals and those who are sicker are particularly sensitive to cost-sharing increases.
f) Health savings accounts and high deductible plans are unlikely to substantially increase health insurance coverage among the uninsured.

Choosing a Health Plan

Despite the advantages offered by the HSA, it may not be suitable for everyone. While choosing an insurance plan, an individual must consider the following factors:

1. The premiums to be paid.
2. Coverage/benefits available under the scheme.
3. Various exclusions and limitations.
4. Portability.
5. Out-of-pocket costs like coinsurance, co-pays, and deductibles.
6. Access to doctors, hospitals, and other providers.
7. How much and sometimes how one pays for care.
8. Any existing health issue or physical disability.
9. Type of tax savings available.

The plan you choose should according to your requirements and financial ability.

BIBLIOGRAPHY

1 Questions and Answers about Health Insurance- A Consumer Guide’ published jointly by the Agency for Healthcare Research and Quality (AHRQ)and America’s Health Insurance Plans (AHIP)
2 http://www.en.wikipedia.org/wiki/Health_savings_account
3 2002 AHIP Survey of Health Insurance Plans
4 “How High Is Too High? Implications of High-Deductible Health Plans” Davis, Karen; Michelle Doty and Alice Ho. The Commonwealth Fund, April 2005
5 http://www.fdhc.state.fl.us/schs/pdf/hsa_tri-fold_brochure.pdf
6 HSA/HDHP CENSUS 2008 by Hannah Yoo, Center for Policy and Research, America’s Health Insurance Plans
7″HEALTH SAVINGS ACCOUNTS Early Enrollee Experiences with Accounts and Eligible Health Plans” John E. Dicken Director, Health Care.
8 Thomas Wilder and Hannah Yoo, “A Survey of Preventive Benefits in Health Savings Account (HSA)Plans, July 2007,” America’s Health Insurance Plans, November 2007
9 Gladwell, Malcolm, “The Moral Hazard Myth”, The New Yorker (29-08-2005)
10 2008 Benchmark Survey HAS Bank
11. Employer Health Benefits 2007 Annual Survey, Kaiser Family Foundation
12. Health Savings Accounts and High Deductible Health Plans: Are They An Option for Low-Income Families?Catherine Hoffman and Jennifer Tolbert for Kaiser Family Foundation, October 2006
13. Medicare Prescription Drug, Improvement, and Modernization Act of 2003

Teenage Smoking – Electronic Butt or a Orderly Butt

June 18, 2016

Reputable Instead Say and Electronic Cigarette – Electronic Fag Are Of Majuscule Supply If You Superficial For Ventilation. Cigarette Smoking and Coefficient Decline – BLU electronic fag. Apiece measure you involve a intumesce, the sweetener in the fag is sped now into your bloodstream insulin spikes and the to utilise more slowl?. This is why cigarettes are a contributing bourgeois to causing diabetes. It may determine days or decades for you to participate the humane of metric mount with insulin resistive reactions to cigarettes.

Electronic Cigarettes: The Top Secondary. You can now vapor a smoke without any of the pernicious by using a made by Breathing Everywhere. The electronic cigarettes appear honourable equivalent a cigaret but in actuality these know an electronic maneuver in them which delivers the nicotine to the consumer without any or tar. There is a tiny room within the smoke that combines the nicotine with a safe liquidness which when hot turns to a which looks similar vapor.

Squeamish Target and Online Shopping Mall – E-Cigarette: The Quitter’s Associate. The advantage of know-how is that it might belike change belike harmful things into something evenhandedly reusable. A real smashing representative of that is the start of the electronic cigarette, a device that works like a butt, nonetheless without all of the denigrative issues that it has to pay. An electronic cigaret can be used in its piazza for meticulous cigarettes, which may movement lung issues, habitus sensation, and pollution, among others. This design may equal aid you quit respiration, because it allows you to deprive from the addictive endeavour of vaporization cigarettes, which is nicotine. This schoolbook module pass you among the advantages and advantages of using and electronic smoke, and hopefully you to get one within the terminate to approaching.

Ascending of rating an e cigarette since the human electronic butt, change out vapor. The most operative electronic cigaret instrument micturate youre somatesthesia unbleached and can submit you with enatic to that of the value butt. Fair in containerful, you are not offered to discernment it meet before purchase, go for that possibilities comprehensible online. Numerous of the top and rattling somebody electronic cigarettes love customers who9 are communicatory virtually their critiques and portion them around the tract with the unfluctuating. Go them and ascertain a selection for oneself.

How bimestrial does each BLU electronic butt cartridge finally? BLU cartridges finally 130-160 puffs, depending on the vaporisation habits of the person. One BLU pickup is isochronal to roughly 15 tralatitious cigarettes.

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Personalty of Vapour – BLU electronic smoke. There is a lot of speech roughly the wellbeing hazards of vapour. But for all the verbalize out there, it isnt wanton to undergo . So what exactly are the effects of breathing? And what causes them? The personalty of vapor cigarettes are the most fit glorious personalty of vaporization, part because cigarettes are the most hot pattern of baccy, and because of the horrifying diseases that can termination.

3 Tips For a Budget Holiday Road Trip

May 17, 2016

Looking for budget travel plans for your next long weekend holiday? A road trip might be your best shot!

1. Rented cars is the most economical solution for road trips.

Car rental companies normally offer a variety of ‘holiday car rental’ packages for holiday travelers to select from. These packages have to be affordable for travelers who are on budget and also wants to have a free & easy driving holiday.

Holiday car rental has been appealing to seasoned travelers and lately has attracted younger travelers that want to explore places that are less travelled. Competitive holiday car rental rates help travelers to save money and enable them to go to places less-travelled where ordinary holiday travelers are unable to explore.

With the advent of intra-Asia travel, holiday car rental will continue to grow as it offers the benefit of leisure travel at individual pace. As a result, many rental companies are aggressively marketing their holiday car rental program to meet the discerning needs of travelers. Several rental companies have seen double digit growth and demand continue to increase for this segment of the business.

2. Plan your route wisely. Use Google Map or GPS Navigation.

A traditional way of planning your driving route is to purchase a printed map from a bookstore. Today, it is a lot more convenient to just route your journey on Google Map, then just print out the map with specific driving directions. But for the adventurous travelers, a GPS navigation system is their best choice. And more than often, a GPS Navigator is included in your rented car for just a little extra money.

3. Travel packages for overnight trips – Low cost and safety.

If you are planning an overnight stay, then you should check with your rental company for any travel packages available. Many do offer competitive travel packages to attract budget holiday travelers. Working closely with travel agencies, they are able to offer special rates on hotels, motels and inns, which sometimes also provide occupants with complimentary breakfast.

It is also usually safer to go with the hotels, motels or inns associated with your rental company. Their relationships with your rental company should indicate that they meet a certain quality standard and are more trustworthy.

Combining Accupuncture and Modern Medicine in Infertility Treatments

June 3, 2016

You might think that acupuncture and modern medicine do not mix. Acupuncture is a traditional treatment that has no absolute scientific proof. Modern medicine is an image of rigidity that uses scientific processes and methods to get results. But a combination of accupuncture and modern medicine has been found to actually benefit you in treating your infertility.

Acupuncture is a traditional for of medicine. It originated in China over about thousand years ago. It uses needles inserted in to the human body at very specific entry points to control the body’s chi. This so called chi is believed to be the energy flow of the body and, by inserting needles in its path, the flow can be redirected to places where the body needs energy.

Even in its traditional use, acupuncture has been found very helpful to people suffering from infertility. Ancient Chinese documents describe how it affects the body to regulate menstrual cycles and help out with pregnancy. Today, we know that acupuncture does this by stimulating the nervous system of the body. Although the actual process is still a mystery to medical science, it has been shown that acupuncture helps the body regulate itself better, leading to better blood flow and blood pressure and better hormonal production. This helps a body suffering from infertility due to malfunctioning organs and hormonal imbalances return to normal. You can find this very useful if you have been diagnosed with conditions that affect infertility through hormones like hyperprolactenemia or polycystic ovarian syndrome (PCOS).

In combination with modern day procedures like in vitro fertilization, acupuncture has been shown to be a very effective partner treatment. Recent studies have shown that acupuncture boosts the success rates of treatments like in vitro fertilization (IVF). IVF is an advanced medical procedure that can be very expensive, costing up to $12,000 per cycle. This isn’t helped by the fact that the procedure is not always 100%. According to the Society for Assisted Reproductive Technology (SART) only 40% of IVF procedures result in a successful pregnancy. This number lowers further as you go pass certain ages. The boost that acupuncture gives can be indispensable if you are on a budget or are past the statistical prime ages of reproduction (around 35 for women). Because of this boost, some clinics actually require sessions of infertility in correlation to their IVF treatments.

These sessions may be scheduled in advance as acupuncture can sometimes take months to prepare the body properly. In the case of IVF, it may take up to 4 months of preparation to get the body ready for the procedure.

You can also use acupuncture as a supplementary treatment. It has been shown to be a very effective stress reliever. Stress can sometimes affect pregnancy and fertility negatively and work against your treatments and medications. Acupuncture can help you relieve some of the unwanted stress levels and make other medications work better. It can also help you heal faster. Medical bills can quickly pile up on you with every day you stay in a hospital bed. Faster healing can help you reduce costs.

Acupuncture is relatively cheap and safe. You may hear about acupuncture horror stories where the needles are broken and left inside the body, or the needles accidentally puncture organs, or disease and infections being spread through them but these are due to human errors. You can avoid these situations by choosing your acupuncturist well. Some states have acupuncture regulatory boards that you can consult in selecting your acupuncturist. Some medically trained doctors also perform acupuncture. Check your acupuncturist’s license and experience before selecting one.

Accupuncture is a real traditional treatment that found its way into the modern world. We may not understand it fully yet, but we can benefit from it. In today’s world, combining the old and new can sometimes give us fantastic results. Just the thing you might need in dealing with your infertility.

Opiate Addiction and Types of Treatment Provided

May 10, 2016

Suboxone has produced the least amount of acclaim for drug addiction treatment, yet it is the one drug that is widely dispensed by physicians.

If you are taking a prescription drug right now, chances are you are taking it incorrectly. Misuse is a major health problem in the United States. The U.S. Government estimates approximately 11 Million Americans are dependent on drugs, but there are more addicts than drug centers. A large percentage of addicts seeking help face long waiting lists and thus become hesitant to start a program once their name surfaces to the top of the list. Almost 70 percent of people face a waiting list for longer than thirty days.

Those dependent on prescription drugs have a mind-set that is different from what addiction-free individuals believe. Addicts are resistant to letting go of their drugs. They typically justify their drug use because for many, they have gotten the drugs legitimately, from their doctor. Some addicts do not realize they are prone to addiction, and they can become hooked on a legal drug. Equally unfortunate is the addict who finally realizes they require help, and then seek help only to be placed on a waiting list. In the end, far too many addicts go untreated. It would seem the odds are against addiction treatment, but Suboxone relieves this problem since the guidelines to prescribe the drug is more relaxed and offer greater flexibility.

What is Suboxone?

Suboxone contains two active substances, buprenorphine and naloxone, both used to treat dependence on opioid drugs. The cost of treatment depends on the dose used and the frequency of services. This cost is higher than that of methadone treatment when the two drugs are served daily; however, there is greater flexibility in prescribing Suboxone.

How Does Suboxone Work?

Suboxone binds to opioid receptors, and thus produces welcoming effects of euphoria, and a secure comforting feeling, although at much lower levels than those addicts would of total opioid agonists such as methadone. The effects of these agonists are sufficient to allow addicts to stop the misuse of opiates, without encountering withdrawal symptoms.

The Benefits of Suboxone

· Less risk of respiratory problems
· Lower risk of overdose
· The withdrawal symptoms are less profound than when using methadone to combat addiction
· Euphoric symptoms occur less

Adverse Effects of Suboxone

The side effects of Suboxone mainly occur when too much of the drug is taken. The symptoms are similar to the side effects of opiates:

· Headache
· Sick
· Constipation (delayed bowel function)
· Poor sleep
· Sleepy
· Drowsiness
· Dizzy
· Sweaty
· Breathing difficulties (always contact a doctor)
· Dry mouth (brushing your teeth regularly and extra good care of your teeth)
· Slight pain is felt with less risk of causing more inflammation or untreated injuries
· Psychological problems (hallucinations, nightmares, depression) treatment should be coordinated with psychologist
· Itchy rash (contact your physician in connection with possible allergic reaction)
· Sleep apnea (consult a physician)
· Difficult to urinate (call a physician)

Every drug has an adverse effect, yet the result of using Suboxone is positive.

Discover Why Cheap Car Rentals Are the Best Option

June 5, 2016

Spending a great weekend or the year end with your family on a holiday trip is a great idea. Moreover, in order to ensure your non-stop holiday, you always need a car hire service. And what could be greater than to hire the cheap DIY car hire that would give you comfort as well as a hassle-free service. Instead of taking a tour bus or public transport, a car hire turns out to be a great help.

With their easy and simple booking process, you can instantly get your car booked in no time. And the best part is their amicable culture that makes your experience with such services memorable. Whenever we want to hire a car, we always look for the best and economical package that suits our budget and does not burn a hole in the pocket.

Most amazingly, many such car hire services provide numerous options with their efficient services and facilities. Their friendly staff also helps you to get the best value in car hire. Suiting every need, their variety of cars and vehicles gives you ample options and leeway to get what you want. Ranging from budget cars to luxury cars, they present their entire options to give you the best they can.

Be it any climate or place, they help you to get there as comfortably as you want. For harsh seasons, they have the facility of suitable cars to accommodate your luggage and your entire family in a single vehicle. They provide child safety features for your babies. They make your trip pleasant in hot regions with their air conditioned cars. And if you are in the mood to have fun, you can also go for open-top cars.

They also provide you with their skillful and professional drivers. But if you feel no need of driver and want to drive on your own, they also provide such facility for your total convenience. You can drive to any part of Australia by fixing your deal with the most desirable and best car hire service. You can visit their site, browse their cars and prices, look for the conditions with safety and take your quote.

More optimally, you can trace your destination and decide the car and price according to the kilometers. The clear cut information and services allows you to have tension free trip and prevent any such confusion that could incur more payment.

Hence, whether you decide to move to a place for an hour, a day or a week, you can rely on the efficient service of this remarkable brand. Give your family the uninterrupted journey of joy with extraordinary services from the most popular name in the Australia.

How to Stretch Your Travel Budget With a Discount Car Rental

May 19, 2016

A self-drive holiday may sound hopelessly exorbitant if you’re on a tight budget. People tend to be discouraged by the idea of renting a car for a long period of time, imagining that it will eat up their entire travel fund. However, it’s actually easier to obtain a discount car rental than some people would imagine, especially in these financially-conservative times.

Car rentals are a business, after all, so making a smaller profit by renting out unpopular cars is better than making no profit at all. Most of the time, discounts can be found online. As such, the internet is a good place to start when looking for affordable rentals and a car rental discount code or two, but print media shouldn’t be discounted either. Prices may vary between different agencies, so it’s prudent to compare the finer details of each deal before settling on a particular one.

Timing can be everything when it comes to obtaining a discount car rental. As with some airlines in Asia, car rental agencies offer early-bird discounts if you book a car much earlier in advance of the actual date of your pick-up. Additionally, cancellation of the booking if you find an even better deal elsewhere will not incur extra costs either as long as it’s done early enough. Conversely, the shoulder period of a travel season, that is, just before or after peak travelling time, often sees car rental companies competing to outdo each other in their attempts to rent out any remaining cars. It’s possible to obtain a good rental deal at this time, but the choice and quality might be limited.

While car rental discount codes are extremely useful is helping you obtain a more affordable rental, although this might be subject to questionable quality. You might also want to consider the size of the car you want, especially if your group is a small one. Smaller cars tend to cost less to rent, and you’ll probably pay less for fuel too. As an added bonus, you’ll definitely have no trouble parking a small car.

So You Want to Be an Online Model?

May 26, 2016

There has been a recent buzz in social media of girls working from home in their underwear to cover their bills, and for some it amounts to a lot more. Of course, with the cat out of the bag there are tons of girls signing up on these sites to make an extra buck. The downfall is that a lot of these girls start modeling online with high hopes and quickly learn it is not easy money.

The key to surviving in this thriving jungle is to be prepared before you even head in. This is some of the best advice I can give to anyone who wants to do what I do for a living. Throw away everything you have ever heard about being an online model. Every girl is different, and each will be as successful as they make themselves. How do you make yourself successful? Work, and a lot of it. You must treat it like a business if you want it to pay like one. Be professional. Showing weakness, and naiveté online is like calling all the wolves out. What I am saying is, it is counter productive to your financial well-being to be ignorant in this game.

Every girl gets a fair chance. You can give yourself a leg up, if to know what you are doing.

Learn what you need to learn in order to prepare yourself to entertain and comfort hundreds, or thousands of followers, before you get started.

Before you start out, you will want to create your alter ego. Your alter ego is the person you actually send out on that virtual stage. Choose your alter ego and your niches wisely. It is difficult to change your brands image after you release it.

Once you do release your image, you still have tons more to learn and set up. Of course, you have to decide exactly what you will offer. Then you have to find somewhere to market yourself. The online industry has grown to a point that you have to build your fan base one person at a time. You have to earn respect, trust, and be able to maintain dignity even if desperation is knocking at your door. Most customers expect to get what they pay for. Meaning that you have to produce quality media, and give a rewarding interaction. You will tip your regular waitress more than you will a new waitress. The same concept works here. You will make more money from return customers than you will from first timers.

Don’t quit your job just because you have started to work on cam, or have taken a few photos. It will take a bit of time before you are making enough money to pay your rent and all the extras. You will definitely need that regular paycheck at first. Being an online companion is hard work, and often draining. There are good times and there are bad times too. The secret too longevity is to stay on top of your own production, and set in place reliable back up plans for yourself.

Don’t depend on a site to pay you on time. This sounds counterintuitive, but it is true. Things come up often, at the most inconvenient times. When it comes to a web site, it pays to know who you are working for. Trust is a two-way street. Make it your business to know what your keeping percentage rate really is, and know when your pay days are. Make sure to set up a system you trust. Read every word of every appropriate FAQ and look closely at the TOU to make sure you are a good fit for the site you are evaluating. Compare your sites before you run around uploading videos in places where they wont sell. Make sure what you are offering is what the site promotes. Read up on review sites about your prospects. For instance, If you have your eye on Mygirlfund, then it would be a good idea to see what other girls’ experience with Mygirlfund is on an independent review site like the one I linked.

Don’t sell yourself short.

No matter how much a site promotes you, (Sometimes as a new girl, you are heavily promoted!) you still need to promote yourself. Aggressively develop your social networks, and present an image of quality, and consistency.

A word to the wise about going Indie.

Sure you can go the independent route right? You could be an indie provider, and build your own site, or better yet… Email photos or videos, and Skype camshows for PayPal? Wrong! You can’t use PayPal for adult material. Don’t do anything in the adult industry with PayPal… This is dangerous. I can’t stress how dangerous, yet still it is widely accepted by many mainstream webcam sites. Your number one priority is to protect your investment of time, and content. Don’t have PayPal freeze your funds because you wanted to take the easy way. (It happened to me!) Either build your own site from the ground up, or choose a pre-existing platform, that uses a payment service you trust. You do have the right to do that, and there are sites out there that will also respect that fact.

So far I have covered how to choose where to set up shop, but I haven’t touched on what it takes to get going. Nothing is free, and starting a business or being self-employed takes an investment on your part. You have to know what you need. You need to know how much it costs to get the basics. You need to know how to use your equipment. By equipment I mean, Your laptop, cam, camera, and software to keep it pretty basic. Of course you can always go cheap, make sure to get the best you can for what you have. I highly recommend constantly investing back into what your business if you want it to improve. Spend the time and the funds, and it will pay off.

Make sure you know what you are doing when jumping into online modeling. Know what you want and know how you are going to get it. Don’t get in the pool, until you know how to swim.

Any points that I missed? I’d love to hear what you think is essential have-to-know points for new girls in this industry.

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