Quality Over Quantity – Why USA Online Casinos Are Superior

Back in 1996, the explosion of online casino gambling swept the world. The United States had been a large part of this, and many gamblers had turned to online casinos for all of their gaming. For many years, these casinos continued to be played unabated. Unfortunately, back in 2006, legislation was passed that made it slightly difficult for online casinos to continue to operate.

This legislation sneaked in by piggyback through the Safe Port Act, would be named the Unlawful Internet Gambling Enforcement Act, and it became a thorn in the side of the online gambler, the online casino, and all payment processors therein.

The Unlawful Internet Gambling Enforcement Act of 2006, or the UIGEA, had, in a nutshell, prohibited banks and payment processors from processing transactions that would correlate to online gambling. This has not only complicated loading accounts but also withdrawing.

While USA online casinos have continued to operate, they have had to use payment processors that would circumvent these restrictions. Sadly, the UIGEA was not even set to go into effect until December of 2009, thought the implications of the legislation had fall out that would be nothing short of catastrophic for many online gambling companies, especially those that relied heavily on the United States market.

The UIGEA had hamstrung many of the operations around the world that utilized the American market to stay ahead in profits, all the while keeping losses to a low. The implications ran deep, damaging many companies operating these casinos. Not only had some of the larger, publicly traded online casinos taken a major hit to the price per share, which in turn hurt the shareholders of those companies, but also cost the companies profits from the United States Market.

PartyGaming comes to mind specifically, though other large gambling firms had taken a hit. Additionally, many executives in charge of several of the online casinos, including Anurag Dikshit, one of the early founders of PartyGaming, had been indicted and fined for their involvement in online gambling – even though these companies had been based outside of the United States.

Payment processors had also been significantly impacted, as many of these financial companies had taken a blow from federal persecution, which, in some cases, amounted to hundreds of millions of dollars in seizures. Sadly, the UIGEA had not even been invoked in many of these seizures. Rather, the Wire Act of 1961, a law that had been passed years before the Internet was even beginning to develop into what we see today.

Despite the laws that had begun to inhibit online casino gambling, many online casinos continued to accept USA players. While several of the larger brands of online casino had been stripped from the United States market, many others had remained steadfast in their dedication to delivering casino gaming to the American market.

Though there are online casinos still operating in the USA, the choice has become limited. To focus on a marginal market, online casinos accepting American players had to provide a service of higher quality. That having been said, those online casinos have had to outclass the older forms of casino software that had removed themselves from the American market.

There are currently three major brands of casino software that have yet to cease operating within the United States. These brands have no intention of leaving the American market, and still outperform those that have already left USA players high and dry. Real-Time Gaming, or RTG, Rival Gaming, or simply Rival, and Odds On, also known as Vegas Technology, are the three types of casino software still accepting Americans.

Each carries its unique features, though they universally outperform those who have left the United States behind, including Microgaming, Playtech, and others. While some of the individual casinos operating under these brands have decided not to content with the contention of the United States government, nearly all of them continue to supply USA players with high-quality casino gaming.

Casinos powered by RTG are one of the superior three. Real-Time gaming has brought high-quality gaming to players throughout the United States. Their superiority comes through the digital eloquence of their games. Rather than delivering tired, bland tables games and slots, they have taken steps to ensure that each player will enjoy the smooth graphics and gameplay of their casino.

Real-Time Gaming casinos supply their players with enough diversity to remain entertaining, as well as huge bonuses for their players. Casinos outside of the United States, particularly Microgaming casinos, will almost always fall short in terms of bonuses. Through integrated security, these casinos under the RTG brand also remain the most secure.

The second brand of casino gaming comes through Rival Gaming. Rival Gaming has created and subsequently distributed a unique series of games. These games, the Interactive Slots, have brought a whole new level of entertainment to slot games. Rather than the standard spinning of the reels, Rival has raised the bar to the pinnacle of casino gaming.

Their table games have also been a huge hit, bringing in players who seek simply to play cards, dice, or other table based casino games. Though players outside of the United States may enjoy the Interactive Slot, there is no international online casino that blocks American IP addresses that offers anything remotely similar to the power and variety of the I-Slot.

Finally, we come to Odds On. With Odds On Casinos, players are entitled to use one of the original types of online casino software. Odds On has revolutionized the way games are played, particularly slots. The Odds On bonus slots have brought hundreds of thousands of dollars to their winners.

Additionally, these bonus slots are backed by the large, multiplayer slot tournaments that have become a staple for many gamers around the world. The size and popularity of these tournaments are almost exclusive to Odds On. Slot tournaments provide players with the ability to enjoy slot gaming without an overwhelming financial risk while providing easier access to large winnings.

Though other types of casino software will periodically provide players with the chance to enjoy slot tournaments, none will be as versatile or commonplace as those found through Odds On – proving once again online casinos accepting USA players are superior to those found open only to European players.

Though casinos accepting Americans have had a bumpy road, particularly in 2009, hope lies on the horizon. The Unlawful Internet Gambling Enforcement Act, which held a deadline of December of 2009, has been delayed. This delay bought time, six months to be exact, that would enable legislators to reconsider the law’s passing. Several legislators, particularly Congressman Barney Frank, have been pushing for a change in legislation.

To aid in the push for regulated Internet casino gambling, any individual may contact their senators and representatives to express their opinion. There are also political action committees, such as the Poker Player’s Alliance, that are trying to bring casino gaming into the homes of players throughout the United States. Despite these laws, the casinos still operating for American players are ranked far above those who have decided against continued operation Stateside.

Know About Cancer Insurance Plans and Why You Need It?

Cancer is one of the most dangerous diseases and everyone knows that it is a lethal disease that requires a lot of money for the proper medication and treatment. But, we all know that it is not easy for an ordinary man to spend a lot of money on treatment and medication.

It is very difficult to collect a huge amount of money to spend on the treatment required for its cure. In such a situation, a cancer insurance plan is an effective way to reduce the burden of the cost of cancer treatment.

Cancer Insurance is the type of supplemental health insurance plan that helps to cover the risk of cancer and reduce the expenses of cancer treatment. It is specifically designed to cope with the modern time medical expenses covering additional cancer cost that may be covered by one’s current policy.

You need not have to possess a pre-existing cancer condition to be eligible for insurance.

What Does Cancer Insurance Plan Cover?

Insurance coverage for Cancer varies based on the insurance company and policy details but most plans cover both medical and non-medical expenses. Medical expenses include extended hospital stays, medical tests, procedures like stem cell transplants and other diseases specific treatments and more. Some of the non-medical expenses include home health care, loss of income benefits, child care expenses and dietary restriction aids.

Before buying a cancer insurance plan, it is quite important to understand what is covered in the policy. You should also be careful to compare the benefits with your current health insurance plan to see if there is any overlap in coverage. It is not necessary to buy a new RenteKassel policy plan if your existing health insurance plan covers all the events.

Is there a need for Cancer Insurance Plan?

There is always a discussion about disease-specific health insurance plans, like cancer insurance. Some people firmly believe and support them, while others think that it is just a waste of money as they are junk plans and are rarely needed.

But according to the American Cancer Society, one into two men and one in three women can develop cancer in their lifetime. And to overcome this dangerous disease expenses, there is a step you can take to overcome expenses on the diagnosis of cancer.

With a good cancer insurance plan in place along with your health insurance, treatment does not have to be an economic strain. SWFL insurance firm offers affordable insurance solutions for cancer that can help offset the costs of:

• Out of network specialists
• Experimental treatments
• Travel and lodging expenses related to treatments
• Child care costs
• Day to day expenses – bills and mortgage payments

If you have a strong family background of the history of cancer, then it is better to go for an insurance plan for the decease cancer. People with a strong family background may look at the current health policy and how can current plan include cancer insurance.

So, it is better to go for the insurance policy for Cancer to reduce the cancer treatment expenses if it has been diagnosed.

I am Kathy and working in one of the reputed hospitals in the US. In this article, I’m briefing you about different Cancer Insurance Plans and its importance. You will certainly get benefited out of these plans. Nowadays Cancer Insurance is being helpful universally. So why do you left behind? Take an opportunity to cover yourself and your family.

Preparing Your Property for Sale

This guide was prepared this guide to assist sellers of houses to prepare their property for sale. the Real Estate markets around the world seem to be contracting so it is essential properties are well prepared and presented to maximise the sale price 新宿 タワーマンション,

Look at your home as a prospective purchaser would. If you are buying a replacement home then it shouldn’t be hard to see your home as a buyer would. A great first impression could make the difference between selling and not selling. An unkempt yard with garbage, messy gardens and the front door in a state of disrepair will not leave a good impression.

Below is a list that will help you ensure the property looks the best it can.

1. Clean rubbish away –

This is usually easy to do and is a critical element in the presentation of your property.

2. Landscaping –

Landscaping of the garden to tidy up the exterior and compliment the house is a great impression builder. This does not mean major reconstruction.

3. Painting –

The quick lick of a brush on fences and exterior walls can make a great impression. If you can’t paint then at least wash them.

4. Tidy up and wash –

Clean and organised looking homes are far more appealing to buyers. Clear windows, clean carpets, dust-free blinds, a clean kitchen paying attention to the sink and stovetop, clean bathrooms and remember to use deodorisers to remove odours (smoking, cooking etc),…

5. Repairs –

Attend to repairs of plumbing, general property hardware like windows, doors and cupboards and also screens if possible for good effect.

6. Create openness –

Box and store any excess belongings.

7. Remove clutter –

Remove most items from shelves, cabinet tops and mantle pieces to remove clutter and create a feeling and sense of space.

8. A bright home is cheery.

To create a warm and inviting feeling to ensure the home is well lit with natural light and if needed switch on lights as required and, weather permitting, open windows and doors to build that spacious feeling.

9. Smells should be masked with nice scents –

Make sure the place smells like roses or something like bread or a cake baking. Nice aromas are often the factor that causes a buyer to trigger positive emotions and memories. Freshly crushed mint is also a winner.

10. Mould and moisture –

Ensure potentially moist areas have great ventilation to help remove moisture and mould which is an indication of moisture. As a buyer, you wouldn’t be impressed with a house exhibiting evidence of mould and neither will your buyers. Wipe any mouldy areas with bleach to kill any spores.

11. Outdoors –

Ensure children’s and pets toys are hidden away or neatly stored. It’s also recommended that you take washing off the line and remove pegs from the clotheslines.

Take on board these easy to do tips and impress your buyers. Remember the last thing they will usually see is what they saw as they entered. You want your prospects to make an offer so make sure you make a first-class impression.

Life Insurance – Bargain Life Insurance When You Take Out A Pension Policy

At last, a real-life insurance bargain – but as always there are strings attached!

If you take out a new pension policy after 6 th April 2006 and within the same premium payments for life insurance cover, then you can use your pension contribution tax allowance to reduce the cost of your life insurance. This means if you’re a standard rate taxpayer, you’ll receive 22% tax relief on your life insurance premiums and relief at 40% if you’re a higher rate taxpayer.

The combined premium you pay for your pension and life insurance will automatically be reduced by 22% by the pension provider. But if you’re a higher rate taxpayer, you’ll need to claim the balance to bring your relief up to 40%, on your year-end self-assessment tax return.

But there are three strings attached Makler Kassel :

o The pension company must also provide your life insurance and be paid as one combined premium.

o The current value of your pension fund plus the sum insured by your life insurance policy must not exceed £1.5 million.

o Your combined annual premium for your pension and life insurance must not exceed £215,000.

In practice, the savings on your life insurance will not be quite as big as you might otherwise expect. Its because the underlying premium for the life insurance cover will be a bit more expensive than a stand-alone policy with the same company and, in all probability, the insurance company providing your pension policy won’t be the cheapest on the life insurance market. Furthermore, you can’t buy a combined pension and life insurance policy online – so you’ll miss out on the Internet’s discounted life insurance prices.

Nevertheless, if you’re a higher rate taxpayer, your tax savings are bound to guarantee that your life cover is a real bargain! If you’re a standard rate taxpayer you’d be wise to do a little homework. Before you buy, you should get an online quote for life insurance to compare against the price you’d pay if you bought it alongside your new pension.

There are some other points you also need to know. Firstly we know you’ll ask whether you can convert your existing life insurance policy into a combined pension purchase. The answer is no! The tax relief is only available if, from the outset, you take a pension and life insurance policy as one combined purchase.

Secondly, the life insurance cover can only apply to the owner of the pension policy – you can’t add in anyone else on the life insurance policy. Joint policies aren’t available as a pension/life insurance package.

And whilst many people also add critical illness cover to their life insurance, this is not possible when you have a pension/life insurance package. Critical illness cover pays out a tax-free lump sum if you are diagnosed with a specified serious illness which is listed on your policy. If you want critical illness cover, you’ll have to buy a normal stand-a-lone policy.

Finally, if you’re going to buy a pension life insurance package and replace your existing life cover, a few words of warning. You’ll be older now than when you first took out your existing life insurance policy. This means that the premium rate on your new cover will be higher. Furthermore, the premium for your new policy could be loaded if you’ve developed any medical conditions since taking out your original life insurance. Remember, even if you’ve simply put on weight, your premium could be loaded. In extreme medical cases, the proposed insurer might even totally refuse to provide life cover. To avoid the possibility of being caught without life insurance cover or being forced to accept a more expensive premium, you should obtain written confirmation from your pension company that they will insure you. You then need to compare their proposed cost, net of tax, with your existing premium.

The Free Ladbrokes Online Bet: Is Reputation More Important Than an Introductory Offer?

The world’s perspective on betting has especially changed in the course of the most recent ten years, with your ‘normal’ speculator bound to be sat at a PC than strolling to their nearby bookmaker to put a wager on. As online security gets more tightly and clients start believing locales with their charge card subtleties the quantities of those joining the destinations rather than visiting stores increments. Surely the ‘reasonable climate’ card shark who may have at one time just had a wagered on the Fantastic National once a year presently has the chance to put wagers on for the sake of entertainment at whatever point they need to without the disgrace of visiting a bookmaker which they may feel awkward doing.

This article will examine whether a setup organization, for example, Ladbrokes needs to offer basic ideas to tempt new clients, or whether they can pull off offering littler free wagers and get by in a blocked market by notoriety alone.

In general, the biggest wagering organization in the UK and biggest retail bookmaker on the planet is Ladbrokes who claim more than 2,400 retail wagering shops separated between the UK and Ireland, with more shops in Spain and Belgium. It is one of the FTSE 250 recorded organizations and is more than 125 years of age – to be sure after the war they were the main wagering organization to take into account fixed-chances football wagering situs judi qq online terpercaya; a technique that exploded backwards when they lost £1 million on one day in 1963 because of an especially unsurprising run of results in the Primary Division!

At the point when I previously got intrigued by internet betting, I considered it odd that the free Ladbrokes wager was only £10 as a coordinated offer. With as of late shaped bookmakers offering starting wagers of upwards of £200 on occasion, and a £50 free wager appearing to be the norm for new clients, I pondered whether this was a mix-up.

Nonetheless, taking a gander at the site it prides itself as being one of the more settled bookmakers, with business sectors accessible on all games, and numerous business sectors being accessible in-play during the occasions. The site likewise has connections to other betting games for the individuals who wish to play on gambling club or poker games for a touch of fun. The marking for the organization is likewise conspicuous all through the site, with the undeniable red foundation and white lettering being as splendid as the signage that decorates their shop fronts.

In 2008 Ladbrokes turned into the primary wagering firm to offer clients a faithfulness plot which compensated punters with free wagers employing focuses picked up. When propelled as ‘Chances On’ clients got a point for each £1 spent even though this has now been diminished to 1 point for each £2. As a showcasing plan, this has permitted Ladbrokes to explicitly target advancements explicit to the wagering examples of the cardholder. The reliability card must be utilized available.

What’s more, perhaps that is the key; Ladbrokes consider there to be as their organization leader – one of those organizations that will be sufficiently different to have intrigues both on the web and on the high road yet observe their wagering shop procedure and by and large history as something they need to keep flawless. What’s more, to be straightforward that is something we ought to be empowering nowadays.

Health Savings Accounts – An American Innovation in Health Insurance

The term “health insurance” is commonly used in the United States to describe any program that helps pay for medical expenses, weather 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 protects against injury or illness.

In America, Makler Kassel 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-for-service. 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.


A Health Savings Account (HSA) is 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 a HAS and there is no requirement of having earned income to contribute to a 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. 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 several 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 of 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 proportional 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 an 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 over 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 a 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 contribute 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 family coverage. The employer can automatically make contributions to the HSAs on 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 him/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 roll over from year to year. There is 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, the 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 individual’s income) and is also subject to an additional 10 per cent 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 per cent 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 policyholders 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 per cent 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 per cent 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 per cent of all new enrollments were in the HSA/HDHP category.

Benefits of HSAs

The proponents of HSAs envisage several 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 enrol 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 is 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. 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 well-child 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 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. Respondents 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.” 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 are 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.


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

I am an ardent reader who also loves to write as well. I am an MBA with specialization in finance.

How To Make Your Own Cryptocurrency In 4 Easy Steps

Enough, there has been so much hullabaloo about the boom created by the virtual currencies that the internet has been overloaded with information on how you could earn more money by investing in these currencies. But did you ever think how cool it would be if you could create your cryptocurrency?

Never thought about it, right? It’s time to think because in this post we are going to provide you with a four-step guide on creating your cryptocurrency. Read through the post, and then see whether you can do it for yourself or not!

Step 1 – Community

No, you don’t have to build a community like you do when you plan to rule social media. The game is a little different here. You need to find a community of people that you think would buy your currency.

Once you identify a community, it becomes easier for you to cater to their needs and therefore you can work towards building a stable cryptocurrency rather than going haywire with what you want to achieve.

Remember, you are not here to be a part of the spectator sport – you are in it to win it. And, having a community of people who would want to invest in your currency is the best way to do it!

Step 2 – Code

The second important step is to code. You don’t necessarily have to be a master coder to create your cryptocurrency. There are plenty of open-source codes available out there which you can use.

You can even go ahead and hire professionals who can do the job for you. But when coding, do remember one thing – blatant copying is not going to lead you anywhere.

You need to bring some uniqueness in your currency to distinguish it from the ones that already exist. It has to be innovative enough to create ripples in the market. This is the reason just copying the code is not enough to be on top of the cryptocurrency game.

Step 3 – Miners

The third and the most important step in the process is to get some miners on board who will mine you’re making money with cryptocurrency.

What this means is that you need to have a certain set of people associated with you who can spread the word about your currency in the market. You need to have people who can raise awareness about your currency.

This will give you a head start. And, as they say – well begun is half done; miners can eventually lay the foundation of a successful voyage for your cryptocurrency in the ever-growing competition.

Step 4 – Marketing

The last thing you need to do as part of the job here is to connect with merchants who will eventually trade the virtual coins that you have built.

In simpler words, you need to market these coins in the battleground where real people would be interested to invest in them. And, this by no means is an easy feat.

You need to win their confidence by letting them know that you have something worthy to offer.

How can you begin with it? The best way to market your coins initially is to identify the target audience who knows what cryptocurrency is.

After all, there is no point in trying to market your stuff to people who don’t even know what cryptocurrency is.


So, you can see that building a successful cryptocurrency is more about having the awareness about market trends, and less about being a hardcore techie or an avant-garde coder.

If you have that awareness in you, then it is time to make a heyday while the sun shines in the cryptocurrency niche. Go ahead and plan to build your cryptocurrency by following these simple steps and see how it turns out for you!

Home Based Business – Visualisation Using a Dream Book

Have you ever considered using a Dream Book or a Visualization Board in your home-based business? When I first heard about a dream book buku mimpi 2d, I just thought it was a load of hogwash! I didn’t believe that photos and pictures of things I wanted could in any way help me to get them! I would just nod along when anyone told us to go and make a dream book, and then just not bother.

Then whilst I was attending a meeting about my home-based business, a lady stood up and began to talk to us about her dream book. This woman was on fire with a passion for her home business! While she showed us what she intended to do with the money she would make, her eyes were glowing, I swear! I knew instantly that she would succeed! You could just tell from the passion she had when she talked about her dreams. It was obvious that she would climb the mountains to achieve her dreams. And I guess everyone in the room took some tiny seed of a dream away from that lady and her dream book!

A short while later it was my birthday and I asked one of my daughters to buy me a beautiful deep pink book that I had seen that even tied with a ribbon. I didn’t go out looking for a book; I hadn’t even realised that I intended to start a dream book, but while I was browsing around a shop I saw it and thought straight away – my dream book! Amazing how the seed of an idea can be planted in your head, and start to grow sometime later!

Shortly afterwards, I began planning my book. My WHY was to be able to afford to let my husband leave his job! And that’s where I began, with photos of him and pictures of what he might be doing instead. But as I thought more about it, I realised that I already had a good idea of what I wanted to see in my dream book. Letting my mind wander around anything that made me happy, it was easy to start filling up my dream book!

This book is ongoing; it changes monthly. Now some of my dreams have started to appear in my life and I find I have more goals to add to my book. New hobbies I have discovered, that I want to spend time doing. And I am remembering long-forgotten dreams or wishes I had and perhaps gave up on earlier in my life. Now I am bringing out these dreams, re-examining them and adding them to my dream book if I still want them.

And don’t make the mistake of thinking its all about a new car, house or holiday. My dream book is full of how I can help my family, friends and charities. About how I can lead a better, more fulfilled and healthier life! Of course, money is important, but it is not the most important!

So don’t laugh off the idea of starting a dream book. Because you have pictures of your goals there in front of you, your mind accepts that and leads you towards your dreams. I know because it is slowly happening to me!! If you can visualise what you want out of life you can get it! Make it real!

Everything You Need To Know About Blood Tests, X-Rays And Injury Care

Not all wounds and medicinal issues have manifestations that are anything but difficult to analyze. Now and again the side effects are undetectable. To comprehend the sort of damage or affliction you are experiencing, doctors direct different kinds of analytic tests. Blood tests and X-beams are the two most normal tests that are done. Here is all that you have to think about these tests.

X-beams: A Lifesaver

X-beams is an imaging strategy that utilizations electromagnetic radiation to check what’s going on in your body without cutting it open. X-beams can be directed on all pieces of the body. In earnest care, you can anticipate that the specialist should arrange an X-beam if they presume that you may have a wrecked bone, or on the off chance that you are experiencing lung conditions or stomach related framework issues among others.

On the off chance that you are stressed over radiation presentation, there is no reason for concern. For whatever length of time that you don’t have X-beams as often as possible, you don’t get presented to high measurements of radiation. Thus, it doesn’t represent a significant wellbeing hazard.

The Importance of Blood Tests

Here and there, it is important to attract blood to get a total blood check Louisville. The test looks at your white platelets, red platelets, platelets, and the extent of red cells to plasma. Taking a gander at the outcomes, specialists can decide whether there is a basic issue. On the off chance that they discover something out of order, they may demand further tests to locate the accurate reason for your medical issue.

To take your blood, a phlebotomist will tie a tourniquet around your upper arm. You will be approached to make a clench hand with your hand to enable the vein to fly out. Utilizing a needle and syringe, the phlebotomist will draw the measure of blood required for the test. The tourniquet will at that point be evacuated and a clingy tape will be put on the cut injury, and you are finished.

Minor Injury Care

Pressing care manages minor cuts, wounds, slashes, scraped areas, minor cracks, tendonitis, sprains, minor consumes, contaminated injuries, and expelling remote objects. Because of the sort of damage, you may have an X-beam or a medical caretaker will clean, sterilize and dress your injury.

You may require a lockjaw shot, also, which the medical caretaker will give you. Contingent upon the measure of torment you are in, the specialist may recommend OTC painkillers. On the off chance that you have a dressing, you may need to come in regularly to get the dressing changed. The medical caretaker will give you tips on the most proficient method to think about your injury or damage at home.

The blood tests, X-beams and damage care gave by pressing consideration focuses expect to facilitate the weight on crisis rooms. Thus, if you have a non-hazardous wellbeing condition or damage that requires brief medicinal consideration, pressing consideration is the spot for you.

You can connect the medicinal services experts at Owl Now Urgent Care to get damage care, blood tests or X-beam for wellbeing conditions that are not perilous. You can be guaranteed of accepting compassionate and brief consideration. Likewise, look at our new page X-beams Blood Labs and Injury Care.

Grow Your Fan Base: How To Get 1,000 Facebook Likes In 30 Days

Whether you’re in MMA, Muay Thai, BJJ, or another combat sport, you’ve heard it time and time again:

To attract sponsors you need to GROW YOUR FAN BASE.

Get more Facebook fans, get more likes, get more, more, more!

Today I’ll show you how to do exactly that: I’m going to teach you how to get over 1000 Facebook likes on your fan page in the next 30 days.

1000+ New Facebook Fans In The Next 30 Days

You’ve already asked all your friends and relatives to like your page, including your 2nd Aunt and her bingo friends.

Now you’re all tapped out and your Facebook fan count languishes in exile, like the man in the iron mask.

Maybe you even lost a couple of Likes!

Doesn’t that suck? Yesterday your Facebook fan page likes “توثيق حسابات انستقرام were at “43.” Today you check and it’s at “41.”

I remember the first time that happened to me. I couldn’t believe it.

I was thinking, “What the heck? Why would someone un-like my page??” Haha.

Well, that’s not something you’ll have to worry about anymore, because when you’re done reading this article you’ll have 99 problems but losing fans won’t be one.

The best part? You don’t have to buy anything. The only thing it costs is a little effort. And the fans are real. So no fake bot likes from Lithuania or wherever.

Sound unbelievable? Well, believe the day.

Now then, let’s get started…

Let us get you some fans

Have you ever seen a Facebook fan page skyrocket in likes in a matter of weeks or days?

Ever wonder how some pages have over 100k fans?

Sometimes it can be because their post went viral, or they got good press, or they bought their likes (not recommended) or…

They did “share4shares”.

A share4share is when you make a post on your page asking your fans to like a different page. And the admin of that page does the same thing, asking his/her fans to like your page.

You both instantly increase your fans and likes.

You then repeat this process over and over with different pages. This causes your Facebook fan base to EXPLODE.

Without a post going viral or getting media press, share4shares are the FASTEST way to grow your Facebook fan base. Within 30 days you can EASILY get 1000 fans.

There are some VERY IMPORTANT things to keep in mind though;

* Only share with pages that your fans resonate with. You need to build up a base of RELEVANT and ENGAGED fans. Fans who don’t resonate with you, serve no purpose for you or sponsors. So be selective about who you share4share with.

* Only do it once per day max. If you do it more you’ll annoy your fans and your page will look spammy. Maybe even do it only once every several days. The frequency is up to you but I recommend not going past 1 share per day.

* Think outside the box. Your fans are interested in more than just fighting. So what other niches could you share with that would bring you relevant fans? There are pages/groups about every subject so the potential is unlimited.

* Stay focused. There are 45912 different things you can do on Facebook (give or take a couple, haha), so it’s easy to get distracted.

I’ll run you through the steps to take.

1) Identify what makes you unique. For this example, we’ll say you’re a fighter known for pulling out slick submissions and being a cardio beast.

2) Find other fighters who are known for possessing similar qualities.

3) Send a message to the fighter (or page admin). Compliment them on something you genuinely like about them (find something). Then tell them a little about yourself and your similarities to each other. Let them know you think your fans would like each other’s styles and you can help each other out. Then ask if they would be up for a share4share. If they don’t know what it is, explain it to them.

4) If they agree to share4share, make a post on your page. Something along the lines of “Hey everyone! Let’s show my friend some love. He’s an awesome MMA fighter who is always going for difficult submissions and wears his opponents down with his non-stop pace. Please like his page (provide the link to this page).”

5) Let the person know you shared their page. Check to make sure they share yours as well in the same fashion. Be sure to provide a link to each others page, in your shared post. By doing that Facebook will automatically populate the post with a Like button. Which makes it easy for your fans to like their page.

Now just repeat those steps and you’re set!

I’ll say this again though: you want RELEVANT and ENGAGED fans.

So only share with other fighters who have similar traits to yourself.

That way you’ll gain fans who like the type of fighter you are. Which means they will be relevant. And relevant fans = fans who are more likely to be engaged with you. A large, relevant, and engaged fan base is exactly what sponsors want fighters to have.

You’re now on your way to 1k

There you have it. The exact steps to take to get 1k fans in the next 30 days.

Soon, you’re gonna have more fans than sponsors can count!

Solmadrid Vazquez is the founder of MMA Somnia. Legend has it that he’s here to chew bubble gum and help fighters get sponsored, and he’s all out of bubble gum.

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