Bright Smiles With Cosmetic Tooth Veneers

There is nothing like a dazzling smile to set your face aglow – it reflects good health and confidence. And that’s why each of us wants to have a perfect set of teeth. Even, straight and white teeth no longer need to be something you dream of, you can have a set of teeth just like a movie star with cosmetic tooth veneers. Did you imagine that all celebrities are born with a perfect set of teeth? That is not true, but the fact that getting cosmetic tooth veneers is easy, painless and fast has made it very popular.

Cosmetic tooth veneers: What are they and why would you need them?

A strong, thin layer of porcelain “shell” is placed over your teeth and permanently bonded to your Uncategorized teeth with the help of a resin adhesive, in order to create perfectly formed teeth that can be as white as you please. Veneers are durable and resist stains and you can enjoy your beautiful teeth for several years. Your dentist can guide you on whether you are a right candidate for veneers after a consultation followed by a detailed examination, but most common conditions like gaps between teeth also known as diastema, broken or chipped teeth, misaligned teeth or stained teeth can be corrected.

Here’s how cosmetic tooth veneers are placed.

After removing a small part of the enamel to make space for veneers, your dentist will take an impression of your teeth in order to fabricate tooth veneers that are an exact replica of your own set. On your next visit, your dentist will put a mild solution on your teeth that helps the veneers stick to your teeth more efficiently. A tooth coloured bonding material is applied next, and the tooth veneers are attached to your Uncategorized teeth one by one.

Are cosmetic tooth veneers high maintenance?

Just as your teeth, veneers can’t endure forceful impacts and can get damaged by biting nails, ice or other hard objects. Cosmetic tooth veneers should be cleaned like your Uncategorized teeth. Brush your teeth twice a day and floss once a day to remove food debris to prevent buildup of plaque and dental decay. It is also recommended to visit your dentist regularly for cleaning and examination. You need to take good care of your teeth veneers so that they last several long years. Your dentist would advise you about recommended oral products and also give you tips to maximise the life of your tooth veneers.

All-Inclusive Caribbean Resorts – Top 3 Choices

This article will discuss the top all-inclusive Caribbean resorts to help you decide which one will best suit your needs for your vacation. While the destination itself is beautiful, everyone’s taste is different and you’ll want to choose a resort and its location that will make everyone going happy. If you want to take a break from your life, or escape for a romantic trip, or maybe your planning your honeymoon an all-inclusive resort is a great answer since you don’t have to think about a thing when you arrive. Everything is taken care of for you, it is the ultimate in luxury and many of these are family friendly resorts as well.

Curtain Bluff in Antigua: The beautiful beachfront setting is a great location and offers free extras including scuba diving and deep-sea fishing. There are gardens and a 25,000 bottle wine cellar, some people may find this location stuffy, others will love its privacy. There is Continental dining/dancing with live bands, a waterfront spa, two restaurants on-site and 72 rooms and suites. Some facilities include a championship tennis center, a water sports center that is fully equipped for scuba, deep-sea fishing, windsurfing, paddle boarding and more. Be warned however that it is located atop a bluff so it might not be the best location for older travelers.

Almond Beach Village in Barbados: With the motto “It’s all for You. About You”, you know already this location has you in mind, which is what one wants on a trip. The Village is 32 acres on a mile-long beautiful beach. There are rooms and pools located at the north end of the property that are reserved for adults. Located at the south end you’ll find junior and one-bedroom suites that are perfect for families with children from kids to teens. There are many activities available including golf, failing, water-skiing and shopping excursions to Bridgetown. If adults on vacation wish for more they can get on a shuttle and go to Almond Beach Club that offers even more options.

Bitter End Yacht Club in British Virgin Islands: If you love sailing than this hotel is the one for you, located in a marina in the North Sound this resort includes the use of everything from small sailboats to kayaks and windsurfers. So if you are one who loves to dwell in the water, than this resort is for you. You can sign up for lessons at the resort’s sailing school if you like, or if you’d rather just lounge away in a beachfront or balcony that is always an option too. With hotel bars to socialize in or private rooms to relax in this resort is perfect for just about any appetite. The pros of this location include all of the water sports and great diving opportunities, the cons… expensive rates and a lot of stairs.

There may be many all-inclusive Caribbean resorts, but the top three are included in this article for a reason. They are the best and offer just about everything anyone would want, even if your travel partner wants something different from you. So if you want a place to relax, or a place to socialize, or a place to simply enjoy the beauty of the water you are next to, one of these resorts will be what you need. For a honeymoon or a weekend away, one of these Caribbean resorts should fit your needs.

Selling Crafts – How to Get Involved in Craft Shows

Do your research. Not all craft shows are created equally so you want to make sure you ask around to get suggestions from other vendors and enquire with the organizer of the craft show. Some questions you may want to ask are:

  • Is this an annual craft show and if so, what’s the traffic generally like? It’s always nice to know that a craft show has a proven track record, there’s less risk for you this way.
  • Is this a juried event? Although these can be more difficult to get into, they work in your favor and they generally only accept one or two vendors in each category. This means you wont be competing with multiple vendors selling the same items as you. If it isn’t a juried event, make sure you ask them the other type of vendors are participating, look for a good variety.
  • How do you advertise the event? If they don’t have a good answer for you, you may want to consider choosing a different craft show. A lot of effort goes into creating a successful event so you should make sure they’ve set up social media accounts for the craft show and have plans to either advertise it or get some media coverage.
  • How much is a table? Craft shows can cost anywhere from $25 to $500 and up for the bigger shows. Consider the price of your items and how many you’ll need to sell to cover the cost for the show and make a profit. If a table or booth is out of your price range but you really want to participate in the event, ask if they offer half tables or booths that you could share with another vendor.

Make sure you’re prepared. Once you’ve chosen a craft sale to be a part of, you’ll want to leave yourself enough time to get ready for it. Here are some things to keep in mind:

  • Start with your end goal and work backwards. How much money would you like to make at the craft show to cover your costs and make a nice profit? Once you have that number, figure out how many of your products you would need to sell to reach that goal and then get started.
  • If this is your first craft show, you’ll need to consider how you’re going to display your products. You’ll have limited space so you’ll need to get creative when thinking of ways to optimize it.
  • Make sure you ask what’s included with your space. You may be responsible for bringing things such as a tablecloth and chairs.
  • Leave enough time to tag and price all your products, create signage for your table and pack them up for transportation. You want to make it easy for people to shop your table and recognize who you are.
  • Make sure you have all the necessities; bags, business cards, cash to make change, food, water, something to keep track of your sales and an emergency kit to make any last minute fixes.

Enjoy the day and try to find some time to walk around and meet some of the other vendors either before or after the show.

Health Savings Accounts – An American Innovation in Health Insurance

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

Can An Auto Detailing Company Make Sales On Cyber Monday – Yes Indeed

Just because you operate a mobile auto services business doesn’t mean you can’t make money online. You’d be surprised. Take Cyber Monday for instance, that Monday after Thanksgiving where online sales are always the greatest. People are shopping for gifts, and what a perfect gift an auto detailing coupon or gift certificate might make for someone. Think about that. If you hand out flyers to your customers, why not put a small advertisement on the back of the flyer reminding people that they can order a gift certificate online, and if they order on Cyber Monday you will give them a discount.

Best of all, you get the money today, but you generally won’t have to do the work until after the first of the year. Interestingly enough, often after the first of the year fewer people get auto detailing services because they’ve run out of money, the weather isn’t so hot, and they have to wait until they have some more spendable cash. Other times they’ve overrun their credit card balances, and they can’t afford expensive auto services at that point. May as well keep your detailing business busy in January and February when the business slows down and all those gift certificates and coupon come in.

It might even pay to announce these gift certificates and coupons on your social media websites or social network page. Tell your friends to tell their families and give discounts for customers that buy gift certificates for others. After all, if someone likes your services so much, that they are willing to buy detailing services as a gift for someone else, they are probably inline as one of your top referral clients. There’s nothing like voting with their dollar for who they believe has the best services, do you see that point?

Now then, when someone orders a gift certificate online, you should send it out right away to the person who purchased it. This way they can get it to whoever they want. You should use card stock paper, a nice envelope, but unsealed. This will allow them to see what the gift certificate looks like before they put it into the envelope and send it or give it to the final recipient. I recommend using calligraphy type font, and it might even make sense to go down to one of the office stores and get special paper, or special certificates for this purpose.

I always recommend printing your logo on the certificate, and a phone number at the bottom, along with your website. Sometimes a recipient of a gift certificate will give it to yet a fourth-party. What do you care, you’ve already got the money. This is a good way that an auto detailing company can make money on Cyber Monday. So, please consider all this and think on it.

What Is Involved When You Have Laser Therapy For Mole Removal?

If you have been undesirably blessed with a mole on an embarrassing part of your body or have developed moles during your formative years then you might want to get rid of them in a safe manner. If you have unsuccessfully tried various home remedies, Uncategorized treatments, and over-the-counter products, and are apprehensive about traditional surgery to remove your mole or moles then you should definitely explore the laser therapy mole removal option.

You could be afflicted with moles that might belong to different categories such as sebaceous moles, junctional moles, decimal moles, compound moles, or blue moles, that each has different characteristics and sizes. Unlike traditional surgery that might uproot the mole in one single sitting, laser therapy requires several sessions that slowly destroy each layer of the mole with a precisely guided CO2 or Erbiumyag laser beam.

You might require local anesthesia over the mole and its surrounding area during treatment to eliminate any pain, which anyway is minimal. The laser beam basically cauterizes each layer and this ensures hardly any bleeding at all. This ensures that no stitches are required after laser therapy mole removal. However, laser therapy has proved to be more successful on flat or raised moles that do not have very deep roots since moles tend to bounce back with added aggression and size if they are not eliminated completely from the roots.

You should make it a point to visit a trusted dermatologist that can examine your moles and suggest appropriate treatment. Laser therapy requires a few sessions based on the size and depth of your moles. This form of treatment is also quite costly as compared to creams or traditional surgery, but if successful hardly leaves behind any scars. Once the treatment is completed then you will observe the formation of scabs over your moles that will usually fall off within a week. There is also a risk that another mole might replace the existing one if the roots of that mole have not been completely destroyed by the laser.

If you do opt for laser therapy mole removal treatment then you might also need to pay the bills from your own pocket since most insurance companies do not pay for such cosmetic treatments. You will also need to undertake regular checkups once your treatment is complete so as to observe if any new mole is trying to emerge in place of the old one. In case you have a history of skin pigmentation or vitilago then you might need to undergo skin tests before starting the treatment. Laser treatments involve the use of low and high intensity laser beams to slowly destroy the mole while ensuring minimal damage to surrounding tissues. You might require up to 3 sessions before a mole is fully destroyed by the laser.

If you have tried all types of mole removal treatments including using homemade concoctions, products made from Uncategorized ingredients or over-the-counter creams that usually involve acidic chemicals, and are also afraid to go under the knife then you still have one option left. You could opt for laser therapy mole removal treatment that is painless and usually leaves behind no scars. Although this form of treatment is quite costly, it will usually reward you with freedom from moles and a clear skin that bears no scars.

There Are Many Reasons Car Rentals Offer Cheap Rental Cars and You Should Be Aware of Such Reasons

The most obvious reason why you can get a cheap car rental is when the renting outfit is giving vacation discounts on certain months or seasons of the year. This is a matter of routine that they have to do to remain competitive in their market. Although vacation times are the times when people love to go on holiday trips, they will usually rent from companies with discounted rates.

Other companies apply discounts to their prices for certain special and tourist-attractive destinations. These discounts are seasonal such as if you were to attend the Mardi Gras in New Orleans. These types of discounts you have to avail of early on, perhaps a few weeks before the festivities start. The reason is that there will most often be a last-minute rush to the site just before the fun begins and at that time and usually all promos and packages are suspended. This is perhaps due to the fact that the rental companies may run out of their own vehicles to rent out and will have to borrow from those who have any available and leave off on giving discounts for the borrowed cars.

Alternatively, other discounts are given for the sake of boosting their rentals during the slower months of the year or for destinations that are not very popular.

What is obvious is that you shouldn’t have a difficult time getting a cheap rental car for your outing because car rentals are dying to give you discounts just to keep the money rolling in. They even furnish large companies with discount cards which can be distributed to the employees. So you better check with management, if you are working in a big establishment, about cheap rental car discounts from the better known rental companies.

Because the condition of the car you are renting is determined to a great degree by the age of the car itself, a regular renter should know how to determine the age of the car by looking at its plate number. The formula for doing this is available on the internet and it may be different from one country to another and even from one state to the next. So when you research for ‘how to tell the car’s age from the number’ you should select the rules for the locality you are in.

You should be aware that there are also cheap rental car scams. In this situation you may be getting a car which is poorly conditioned or just plain too old to be road-worthy. Besides the car’s age, a look at the mileage indicator of the car will tell you how much use the motor of that car has seen. Along the same line of good car condition, you should be aware that although you can get cheap rental cars at smaller rental outfits if you need to use it for a long time, there is a catch to this. Smaller outfits will not have that many personnel and if you were expecting them to provide back up for you during an emergency, you may get an unpleasant surprise when you find you have to dish out your own money to have the rented car repaired.

Payday Cash Loan – A Short Term Solution For Getting Cash Fast

The payday cash loan is for anyone who maybe in an unexpected financial crisis and needs some cash desperately. The lending institution will advance cash that is to be paid back with your next payroll check.

Online No Fax Payday Loan

The entire idea behind the online no fax payday loan may seem very simple, but there are serious considerations that should be dealt with before hand. One of the most important considerations is to look for the best lenders out there. You can simply use the internet and do a personal search for them. There is every bit of information you need about this topic on the internet. Make sure that the people you are borrowing from are reputable and have no underhand dealings in their business. Always read the fine print.

Another important fact before you take the advance payday loan that needs clarification is that the company states in very clear terms the fees, APR and any other cost that will be inferred. The APR is known to go as high as 400% and should be seriously considered before you opt for it. The cash advance will be made to your account despite the bad credit history that you may be having which may be keeping you from borrowing from reputable firms. Payday cash loans are a good way to tide over emergency situations and make life easier for the time being.

Fax Payday Loan

Once you fill in an online application for your payday cash loan you will need to submit your documents. This is generally done through fax. The documents that you will need will vary from your personal identification to your bank account details. This is called the fax payday loan. However, more and more people are opting for the lenders who provide the facility of a no fax payday loan.

Though this form of credit is your best bet if you have an unusually bad credit score, you should realize that this form of borrowing only increases your liability and debt. It should be avoided as far as possible. Payday cash loans is for those people who live from paycheck to paycheck is a myth that has long been exposed.

It is now being universally accessed by many in the USA for various purposes other than paying bills. Before Christmas last year, about 10 million Americans opted for this loan and within a year, the number of outlets lending these loans has doubled.

Men Encouraged to Enter Nursing Profession and Fill Travel Nurse Jobs

Nursing has been a traditionally female dominated career as well as a commonly held stereotype that nursing is for women only. With the ever rising shortage of nurses, male and female, the nursing staffing agencies as well as nursing schools are strongly encouraging more men to join the profession and also fill travel nurse jobs throughout the country.

Although it does not matter whether women or men care for patients, as long as professional and ethical care is provided, men only comprise about 6 percent of all nursing positions, according to recent federal statistics. Even with job loss and nursing shortages, travel nurse jobs for men are still lower than women; however, men are strongly encouraged to enter the nursing and medical fields to fulfill the current nurse shortage.

Because men bring a different perspective when working in the nursing field, nursing schools and colleges are looking to fill more nursing positions with men. Nursing colleges and schools are now catering their brochures, textbooks and other classroom materials for male and female students. These changes include photos of both men and women, and descriptions of the field with references to both men and women. Thus more male students are entering an otherwise female dominant career, and this influx will likely increase the number of men who choose travel nurse jobs too.

Men receive the same benefits as women including health insurance, nursing pay, advancement opportunities and many even opt to become travel nurses after a year of experience in the field. Male nurses and travel nurse jobs employ thousands of men and women every year in hospitals, private physicians’ offices, medical labs and schools; men and women are needed for every type of travel nurse job throughout the country.

Not only should men have a current and impeccable resume when applying for a travel nurse job, but they should also carry a portfolio. Most portfolios contain professional licenses, CEU’s completed, professional recommendations, a written record of personal values and beliefs about nursing and competency of one’s skills in the field. One of the critical elements of a portfolio is the person’s reflection of the theory, evidence, actions and experience of caring for a patient and interactions with family members. When men choose a medical staffing agency for a travel nurse job, a portfolio can be an important component for placement with a medical staffing agency recruiter. More clients of medical staffing agencies are looking for portfolios which provide a living document of an applicant’s competency, skills and experience to share with their clients.

Another travel nurse job opportunity for men is the high turnover rate in hospitals, which can be sometimes as high as 50-70 percent depending on the location. Travel nurse jobs in such types of hospitals, more than medical offices, allow a greater opportunity for men to fill needed positions. According to a Thomas Group survey, replacing a nurse position could cost as much as $25,000 as well as the reduction in time loss and care for patients. Medical staffing agencies are increasingly seeing a greater need for travel nurses in hospitals not only in rural areas, but also larger towns and cities.

If you are a man looking to enter a rewarding career, then consider a career in nursing. If you are a male and are actively looking to change careers and want to travel, then consider a travel nurse job. The nursing profession offers many personal rewards as well as monetary benefits for permanent placement nurse jobs as well as travel nurse jobs and per diem jobs in a variety of hospitals and other medical facilities.

Men who want to enter the nursing field should research for an accredited nursing school or college, depending on the type of license they want. The difference between a Licensed Practical Nurse (LPN) and a Registered Nurse (RN) is the length of college training. While many men and women start an LPN training certificate, RN’s can fill both LPN and RN positions. Registered Nurses normally require two to four years of education and passing the national exam for registered nurses, NCLEX-RN exam. There are several sources for help with studying for the national exam both online and print. Give your medical staffing agency a call to discuss any further questions you might have.

How to Safely Remove Paint Transfer From a Vehicle Without Scratching

How To Properly Remove Paint Transfers From Your Automobile

It’s been staring you in the face now for weeks. Taunting you every time you walk past your car. Those unsightly red marks on your nice white bumper that just showed up one day when you went to the grocery store. No matter how hard you scrub when you wash your car they never seem to go away! Those red marks are referred to as paint transfers and by following these steps you can finally say, “Good Bye!”, to those unsightly blemishes.

Things You Will Need:

  1. Water Hose
  2. Water Hose Nozzle
  3. 5 Gallon Bucket
  4. Automotive Washing Soap
  5. Automotive Washing Brush
  6. Water Blade
  7. Drying Towels
  8. Automotive Clay Bar
  9. Automotive Clay Bar Lubricant
  10. Automotive Cutting Compound
  11. Automotive Cutting Compound Pads
  12. Automotive Detailing Polish
  13. Polish Pads
  14. Automotive Wax (A High Grade Acrylic Sealer Wax is Recommended)
  15. Automotive Wax Pads
  16. Microfiber Towels

STEP #1: Place enough automotive car wash soap to cover the bottom of your 5 gallon bucket and fill with water using your water hose and water hose nozzle.

STEP #2: Rinse your entire vehicle using the high pressure position on your water nozzle to rinse free any loose dirt from your vehicle.

STEP #3: Using your automotive wash brush and soap to clean your entire vehicle.

STEP #4: Rinse the vehicle clean of automotive soap.

STEP #5: Using your water blade, make long continuous strokes from top to bottom to remove water from the vehicle.

STEP #6: After the majority of the water from your vehicle has been removed with your water blade, use your drying towel to completely dry the exterior of your vehicle, paying close attention to seems and joints where water collects. NOTE: not completely drying your vehicle to hinder the following processes.

STEP #7: After your vehicle has been completely dried, spray the Automotive Clay Bar lubricant generously over the paint transfer area. Immediately after apply the lubricant gently take the automotive detailing clay and gently, using a back and forth motion paying close attention not to apply any undue pressure, rub the clay onto the paint. The automotive detailing clay removes any foreign particles that may have bonded to your paint. These particles can cause scratches and swirl marks during the compounding, polishing and waxing process if not removed. After you have completed the clay bar process use your microfiber to wipe the excess lubricant from the area.

STEP #8: Apply a small amount of automotive cutting compound to your compound pad and place onto the paint transfer area. Gently cover the entire paint transfer area with the cutting compound. After you have covered the paint transfer with cutting compound begin to make quick, circular motion with the cutting pad applying a generous amount of pressure. After the cutting compound has become semi translucent, buff off with your microfiber towel. NOTE: This process may need to be repeated if the paint transfer is still present.

STEP #9: Once the paint transfer has been removed apply a small amount of automotive detailing polish to your polish pad and with tight, circular motions apply to the compounded area until you can longer see the polish. Once you can longer see the polish buff the area with your microfiber towel.

STEP #10: After the automotive detail polish has been buffed clean, apply your wax to your wax pad and in tight, circular motions apply wax to the compounded and polished area. Once the wax has been applied and has turned to a white haze, buff the area with your microfiber pad until all the excess wax has been buffed clear.

NOTE: Generally during a professional detail the entire vehicle will have the automotive detail clay process applied to the vehicle as well as the waxing process.