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Making Money With Online Casinos

Everyone enjoys going to casinos but it is not always an option. The cost of traveling and hotel stay while you are at the casino all adds up. It’s all money that could be spent having the real fun, instead of covering the fees to have fun. Online Casino is the next best thing to use if you want the casino experience at your own home. With casino online games people can make money just like they could at a real casino just less of a cost than taking the trip to a casino.

How do I start making money with online casinos?

To start the process, find the casino online game you want to use. Play some games and see if you like the casino, if not look for another one and then do the same thing. Once you have decided on a casino game research, make sure that it is an online casino that will not cheat you for your money. You don’t want to give your credit information until you know the casino is safe to use. Once you have determined that the casino online is secured then you can sign up and begin to play and make money.

Does it take a lot of time to make money with the online casino?

It is actually better to take time to make money. If you invest a large amount of money right away and lose a bunch of it then just like in a real casino you have the possibility of losing all that you have invested. It is better to invest a little money at a time and see what happens. If you win some money then good but if you lose it, then at least you stay relaxed because you have not invested so much that it could hurt your finances. As you win, transfer the winning money and put it into your account so that you don’t lose it all again. Slowly you will start to make some money and be able to build more and more this way. Treat your winnings as savings.

Do the casinos keep a percentage of my winnings?

Most casinos let you keep all of your winnings. There is not a percentage or cut for the online casino. If there is then you may need to be careful because this may be a bad casino website for you. Some casinos have a point system where you can win points when you win and then turn those points in for cash. It just depends on what you are looking for and how you want to make your money.

How do I get my money?

Many casino sites offer payments through PayPal. When you withdraw your money there might be some fees you would have to pay. The same may occur with your personal bank because there may be the option to have money sent to your personal account as many bank accounts cut out a small fee. The choice is up to you how you want your money and it may depend on the methods of payment available at the online casino website.

Home Improvement

In many cases, when homeowners are interested in home improvement projects, professionals are hired to improve the home. There are, however, a lot of people who prefer the do-it-yourself approach for improving their own homes.

Home improvement may be done individually or with the help of professionals through consultations. Also, a lot of home improvement stores offer efficient tools and kits and even lessons for the do-it-yourself individual.

Homeowners may hire general contractors to supervise home improvement projects. These contractors perform multiple tasks in managing the resources to be used and the people who will be working on the project, providing site access, removing debris after the project, and even performing some the tasks needed for the project. They are also in charge of hiring specialized workers such as plumbers, electricians, or roofers, although homeowners may actually opt to hire these workers themselves.

Different Types of Home Improvement

Improving one’s home varies from house to house; it may depend on what part or area of the house is to be refurbished. Improvement may be as simple as applying wallpaper or painting the walls, or it can be installing wood paneling on the walls. It can also included improving flooring by such means as installing carpet, tile, linoleum, or wood parquet, or even installing solid hardwood flooring. Upgrading cabinets, adding shelves, changing fixtures, and replacing sinks in the kitchen and the bathroom are also home improvement projects. Even repairing or adding to existing plumbing and electrical systems are considered home improvement. Upgrading heating, ventilation, and air conditioning systems in the home and waterproofing and roof replacement are also ways of improving the home. Installing or replacing doors and windows, turning marginal areas into livable spaces as well as reducing utilities through insulation and solar paneling are still other ways of refurbishing the home. In general, anything that is employed to improve and beautify or make the home or a space in the house more functional may well be considered to be a home improvement project.

The Home Improvement Nightmare-Who’s To Blame and How To Avoid It

Unless you live in a remote part of the country with no television, newspaper or other people to talk to, there is a good chance you have heard or read about a home improvement scam or project gone wrong. It seems to be a fact in this country that when you go about doing a home improvement project you will usually encounter countless problems, delays and shoddy work.

The home improvement experience leaves most people stressed and vowing never to do another project again! So it is not surprising to hear that home improvement complaints rank at the top of consumer complaints nationwide year after year. Where does the blame fall for this epidemic of home improvement problems?

I am proud to say I was a home improvement contractor for almost 30 years and I was fortunate enough to win some of the industry’s highest awards. However, it has never ceased to amaze me the poor home improvement decisions that I have seen so many homeowners make. One of the more notable mistakes I would see done over and over again was when a homeowner would blindly hire someone to do a project because the person was a friend or a friend of a friend. To me this reasoning makes no sense.

Friendship and craftsmanship are not related, but for some reason a lot of people believe other wise. Another great example of homeowner apathy is hiring someone to do a project without ever putting anything in writing. Who in their right mind would ever agree to such a disastrous situation? Another very similar blunder would be for a homeowner to blindly accept an estimate on the back of a business card. Usually the only information that has room on the back of a business card is the PRICE.

A major mistake made by many people doing a home improvement project is letting price dictate the decision on who to hire. More problems occur because homeowners pick the lowest price they can find. Why? It is very simple. You can only produce a high quality project at a certain cost. High quality materials, expert labor, appropriate insurances and a reasonable profit to stay in business, cost a certain amount of money.

If someone can do that same project under that amount, what do you think is going to happen when the job is being done? That’s right, the person or company is going to do anything they can to try and make a profit. All of the possibilities that could result from the person you hired, as the low bidder, trying to make a profit, are simply all BAD for the homeowner. In home improvements you get exactly what you pay for.

Let’s not forget to put some of the blame on people looking to work on your home. Over the years I have seen some of my competitors commit heinous business practices. (Surprise!!) I have seen contractors switch materials to lesser quality without customer approval, use unqualified labor, overcharge homeowners for “unforeseen problems”, try to up sell the customer once the project starts, etc.,etc.,etc…….it makes you wonder if you can trust anyone?

So where does the blame fall for all the home improvement complaints year after year? I guess it would be easy to blame the homeowner for not educating themselves on what to do when attempting a project. However the next question would be where does a homeowner get “educated”? Maybe a better question would be when does a homeowner find the time to get “educated”? Education is a great tool if you have the time to do the research. Most people don’t have the time or want to take the time to do hours and hours of research on how to go about getting a home improvement done correctly.

Oops I almost forgot Uncle Sam. A lot of people, including myself, think the government makes it too easy for someone, who has no ethics or skills, to do home improvement work. Why are there still some states that do not have licensing for people doing home improvements? And in the states that do have licensing, why are some of these states issuing licenses without the applicant needing to demonstrate any type of competence in home improvement work? This is like giving out a driver’s license without taking a road test. Doesn’t make much sense to me.

One last situation to blame, one that I would never forgive myself for not mentioning. Home improvement television shows have become the latest fad in television. You can hardly change television channels without a home improvement program popping up. The influx of home improvement shows on television has been phenomenal. However, most of these shows tend to unrealistically glorify the home improvement project as being easy to do with nothing ever going wrong. The last time I looked, nothing ever goes perfect, including home improvement projects. Little, if any information is mentioned on these shows, about how not to be “taken to the cleaners” when doing a project.

One would have to conclude that there is plenty of blame to go around when it comes to the problems homeowners face when attempting a home improvement project. Unfortunately, most of these problems have been around for many years and if you are expecting a “quick fix”, I think you might be waiting a very long time.

Since I retired from the home improvement industry two (2) years ago I decided it was time to stop worrying about who or what to blame about the constant wave of home improvement complaints (it really seems to be a waste of energy since nothing seems to change) and to put together a way for homeowners to fight back and get the home improvement results that they deserve.

This is why I founded The Home Improvement Success Club of America (TM). The club’s website, which I hope you will visit, can be found at This is a one-of-a-kind club that guides homeowners on how to get high quality, problem free, home improvement results.

Membership to this club includes The Home Improvement Success System, a complete how-to home improvement system that details all the steps you need to take to make your project a success. The club membership also includes a web forum to ask questions, phone consultations, monthly newsletters, teleseminars, teleclasses and written evaluations of member estimates and contracts.

This club guarantees to short cut the time homeowners need to learn how to complete any home improvement project. You are shown what to do and what to avoid. All the information that you receive from this club you could spend months trying to find, but by joining this club it is at your finger tips 24/7.

To do a home improvement project correctly you need to follow five (5) steps. These steps are:

1. Define your project based on your needs, finances and structural constraints.

2. Determine who can complete the project.

3. Evaluate perspective candidates (including yourself) who you may want to use to complete the project.

4. Prepare a contract that is “thorough” and protects you from poor home improvement situations.

5. Completing certain tasks when the project is being built.

These five steps seem relatively easy to understand but it’s the “particulars” (exactly what to say and do) of each step where most people fall short. Knowing these “particulars” are what makes or breaks your project. Membership to this club will guide you to completing a home improvement project without all the problems and aggravation that most people go through.

If you are interested in protecting your home from the home improvement nightmare, than visit The Home Improvement Success Club of America Website. Joining this club is the next best thing to getting “Home Improvement Insurance”. All Club memberships come with a 30 day money back guarantee.

Home Improvement: To Build Your Very Own Comfort Zone

Home is your sanctuary. The place you go back to every night and somehow it doesn’t seem right. Your home is an expression of who you are and if you walk out each of a place that you does not seem to belong to you then probably your home needs improvement. You are probably guessing how you are going to make the payments for your home improvement. Your home remodeling plans are no longer to be restricted to the thought stages. Let them see the light of day. Home improvement loans will provide you with a dependable groundwork to build on the home you have a vision of.

Home improvement is predominantly triggered by the desire to own a comfortable home. Home improvement can be slightly difficult, if your financial position is tight. This is where home improvement loans have a function to perform. Being a homeowner you could not have been in a better position to apply for a home improvement loan. Home improvement loans are functional for any kind of improvement or home extension. Home improvement loan is available for double glazing, new conservatory, heating system, new kitchen, rewiring and plumbing or any home remodeling that you can think of. The cost of home improvements is generally paid by savings or revolving credits like credit or store cards. Credit cards imply no borrowing. In many ways it is idyllic for there are no repayments to be made. But credit cards can be an expensive option especially if the borrowing extends beyond the credit limit. Store card interest rates are as high as 30%. In every circumstance a personal loan for home improvement is a more disciplined and cheaper option.

Home improvement plans can be funded by means of a secured loan, unsecured loan, remortgaging or taking further advance on your mortgage. Unsecured home improvement offers a typical flat rate of interest 12-14%. But a little bit of research will get you an unsecured home improvement loan for 10%. A secured home improvement loan indisputably attracts lower rate of interest. APR of a secured loan is around 7%. You can borrow anything from £ 5,000 to £ 75,000 for home improvement. The repayment term can be extended from 5 years to 25 years depending on the loan amount, your available income and the amount of equity in the property.

In the contemporary context, one of the ingenious thing one can do with a home’s equity is to put it right back into the home. Home improvement is besides providing you with the much needed changes, increases the equity of your home. There has been a rise in home improvement loans in the past decade. If the property cannot be sold then home improvement is the answer. Home improvement is remarkable if your primary motive is to raise large amounts. But not every home improvement will improve the resale value of your home. So it is recommended that you stick to those home improvement plans that give you the maximum returns. It is important to remember that over enthusiasm with improvement won’t lead to any gain. It is difficult to recover investment in a home that is already more valuable than those in the neighbourhood. And keep your whimsical tastes to respite for there might not be many mainstream homebuyers for them.
Home improvement loan might seem like an unreal thing for many homeowners. But the newer more sophisticated home improvement loan options are very easy to adjust to. They are designed to keeping in mind the conditions and status of every homeowner. The ever expanding mortgage market gives you an opportunity to apply for a mortgage for home improvements and that too in the most uncomplicated manner. More and more homeowners are administering for remortgage to raise capital for home improvements. By completely remortgaging the consolidated loan, the entire mortgage market is assailable to the loan borrower. If you care enough to shop around then you can find a very reasonable and cheap mortgage loan for home improvement.

Home improvement loans are a package that includes any kind of meliorations that you can think of. It is your home and you have every right to improve it the way you want to. Contrary to accepted conviction home improvements are vital and absolutely necessary. Why home improvement? If that is what people ask when you suggest it then they probably don’t know what is the meaning of comfortable living is. Home improvements improve the quality of life. We work hard and save money to buy personal satisfaction and comfort. If the house that we have build does not provide the relief then perhaps home improvement is what you need.

Base Tendriling Travel Expenses

When traveling by ship or boat, the common navigation tools are compass, maps and charts. These are traditional tools that have become useful for thousands of years. Travelers are common with these tools and adept at using them. As technology advanced, it didn’t only update navigation methods but also transformed the way sea navigation is done. New marine equipment and electronics are now available for consumers. GPS Garmin marine is one of the most common GPS electronics that is used to determine your location when at sea. People operating boats don’t have to panic when lost at sea. Knowing your location will easily eliminate the idea of being lost. With the advancement in marine communications, it is also easier to be in touch with the local authorities to let them know of your location.
Unlike land transportation, the sea is a vast terrain that does not have street signs that will help easily determine location. So a Garmin marine GPS system is like a virtual map that can provide location information and routes to take. It is especially designed for boats and ships to provide nautical information and charts.
For their own boats and vessels, many have already chosen to install this kind of equipment. They have experienced a new sense of control and manageability when traveling. Choosing a particular route towards a destination can be provided by the auto-guide function that is available in more advanced equipment. There are also alerts and warnings provided by the system when there are approaching vessels, other types of ships or natural obstacles like a small island.
Safety of everyone is a very important and must be considered as a priority when traveling by ship. Some ships can also avoid natural disasters by having a good navigation system that provides information on routes that are safe to pass. The risk that comes with sea navigation can be lessened.
For modern marine electronics and equipment, it is important that consumers rely on trustworthy manufacturers. One of the popular and well-recognized GPS systems is Garmin marine GPS. A lot of retailers and manufacturers can provide exceptional quality of modern marine equipment and products that can enhance navigation experience.

Education Loans Can Augment The Boundaries Of What You Can Achieve

Education never ends – it is not said without reason. We are educated all our lives and getting an education not only is a great achievement but something that gives you the tools to find your own way in the world. Education is indispensable; little do we realize how much more it can bring to us in terms of worldly amplifications. Anyone can have propensity and the natural endowment for education. But one might not have the resources to finance their education. You certainly can’t let lack of resources impede you from advancing your prospects through education. Then you accidentally stumble upon the word ‘education loans’. Loans for education – you have never thought about it as a feasible arrangement. Education loans can open newer panoramas in regard to your education aspirations.

Education loans are open to all people in all its myriad forms. Education loans can realize your education plans or the education plans of your children. You can strengthen you own future and the future of your son or daughter with education loans. An extensive range of student and parent loans are presented under the category of education loans. There are many types of education loans. Discerning about the types of education loans will help you in making the accurate decision. The single largest resource of education loans is federal loan. The two main federal education loan programmes are the Federal Family Education Loan Programme and the Federal Direct Loan Programme. In the Federal Family Education Loan Programme the bank, credit union or the school is the lender. While the federal direct loans programme, the department of education is the lender.

Private education loans are offered to people so that they can provide financial backup to their education plans. Private education loans are not endorsed by other government agencies but are provided by other financial institutions. Private education loans programme are optimum for both undergraduate and graduate studies.

Formal education is requisite for future success. Though this is not a hard and fast rule, but education certainly helps you in gaining an upper hand. With universities getting expensive by each day an education loan will certainly give you an incentive to go ahead with your education plans. Each year while contemplating on your education plans the thought of finances almost invariably comes in. While working towards you degree, you are constantly plagued about paying for the education fees, books, and other living expenses. Education loans can provide funding for tuition fees, board and room, books computer, and even student travel. An education loan can help you with all these expenses. Education loans are sufficient enough to take care of all these expenses. If you have been forced to drop your education for any reason, you can still take up your education at any point of time. Irrespective of your age and also where you have left your education.

There are no specific eligibility criteria for education loans. Any person who is in need of sponsorship for education can find an education loan that befits his or her financial necessity. Loan amount on education loans vary with the kind of education you want to pursue. The repayment options with education loans will similarly accommodate your personal financial preferences. You can either repay interest amount while still in school or six months after graduation. Education loans offer upto ten years for repayments. The refund alternatives on education loans also include deferment, forbearance and consolidation. The various sites on education loans can give you innumerable repayment options and monetary remuneration.

Education loans will help you in planning your life after graduation. However, an education loan like every loan is a huge financial obligation. An education loans is generally the first substantial loan for most people and therefore the first major expense. Do not be completely dependent on your education loans for the funding of your complete education. Try to apply for any other financial sustenance like university grants, scholarships, fellowships, work study programmes and assistance ship and any other form of aid. This will certainly encourage a fluid dispensation of your education loans. You can start by going to the financial aid office in your school or university. It will provide you further insight to the kind of education loans, you must apply for.

Education is an experience of life. It is so rewarding in itself that it helps you to manage almost everything in your life. Education loans discipline your impulse towards education and training into a fruitful contrivance. The payoff is delicious in terms of improved quality of life. Education is expensive! Is it? With education loans it can’t be. Now, you don’t have to take the road in front of you. Make your own road with education loans.

5 Things You Must Do Well When Buying a Business to Not Get Burned

Are you not sure what Business to buy? Need to know what is a fair deal?

Martin Smith thought he was buying an established business with good credit and collectable accounts receivable. The day after settlement the surprises began.

Inventory could not be used because expiration dates had past. Money shown as receivable had already been collected. Vendors that were only willing to ship COD. Over $100,000 of real problems that should have been detected during the business purchase process popped up and almost shut Martin down.

Can you afford to be surprised? Of course not.

You have the power to not end up like Martin.

Owning your own business is part of the American Dream. Buying a business has many advantages over starting one from scratch if you know how. Be prepared and get all the benefits of buying an existing business.

Tangible benefits such as existing cash flow, existing customer base, existing systems, knowledgeable employees, and locations can be obtained cheaper by buying an existing business than starting from scratch.

1. Understand and Know What You do Well and Like

You must really look at the activities you like to do and find a business that allows you to do them. For instance some people want customers to come to them. A retail store may work well for them. On the other hand some owners would loose their minds staying in a store all day; perhaps something with outside sales will work for them.

Are you a people person, a thinker, a leader, or a salesperson? Do you like steady hours, flexibility etc. How much money do you have to purchase with? How much money must you make every week?

Remember the process of buying the business is not the same as running one. Do everything possible to make sure you buy one you will love running.

2. Make a Comprehensive Search for a Business

Make sure you know how to look for a business. Don’t just go to one source but really check multiple reliable sources to find the business that is right for you.

Systematize your notes so you know what you looked at. Make sure you compare your strengths and weaknesses with the day-to-day tasks of running the business.

3. Understand and Value the Business Properly

Understand the basic financial techniques to value a business; it’s cash flow and other assets. Know how to prepare a basic business plan in order to make projections into the future.

Understand how the business is getting its customers. Know how it delivers goods and services. Know the cash flow and how you will keep the current cash flow and then grow the cash flow.

4. Know how to structure and finance a business

Have a basic understanding of how the business valuation and related cash flow tie together. Make sure you know a number of possible ways to put a transaction together to overcome different risks.

Understand what may be financed by a conventional bank loan, a SBA loan or seller take-back. Understand how to take your outline deal and put it into a final enforceable contract.

5. Perform Due Diligence Thoroughly and Correctly

Know what to look for when investigating a company. Know how to tie accounting records into source documents. Understand inventory, equipment, vehicle titling and other problems. Understand what should occur at settlement. Make sure you are getting what you have agreed to pay for.

Gorakhpur Is Most Beautiful Place For Traveling

Gorakhpur is one of the exclusive cities in India; it is situated near bank of river Rapti in Uttar Pradesh. On tours to Uttar Pradesh (Gorakhpur) you will come across so many beautiful and significant places of tourist interest. Gorakhpur is best place for recreation or traveling.
There is a lot of people come every year to see the Gorakhpur. There are too many temples and some historical building for visiting.
In Gorakhpur there are lot of place for traveling like Gorakhnath Temple, Gita press, Tarkulaha Devi temple and Chauri Chaura.
To see the Gorakhnath temple lot of visitors comes here every year. This temple placed in very large scale. Every here held the fair of Khichdi, at that time many visitors comes here from many villages and cities to Goraknath temple to worship of Lord Shiva and enjoying the fair. It is just 5 Km far from the Gorakhpur railway station.

There is one of the most significant place is Gita Press in Gorakhpur was establishing in the year of 1923 to spread the education about the Gita epic. It is just situated in Urdu Market of Gorakhpur.
The city of Gorakhpur is also a holy place you can also see the big Imambara here. This is constructed by Nawab Asafuddin in near about 1775. It is situated in Maya Bazaar just behind the Kotwali police station.

If you want to visit more other place, you could be going Tarkulaha Devi Temple is most exclusive attraction near Gorakhpur. This holy temple is just located near around 4 to 5 kilometers from Chauri Cahura. This temple has been founded by Deeb Bandhu Singh was the great freedom fighter.

Everyday many Buddhist Pilgrims visitors also come in Gorakhpur for visiting the Kushinagar. This is that place where Lord Buddha preached his last sermon. On every year on Buddha Purnima the lots of people in Kushi nagar celebrate the birthday of Lord Buddha. It just far 55 to 60 kilometers from Gorakhpu Railway stations. They just hire the bus or jeep for going Kushinagar; it’s just near the Deoria.

After visiting the, you can also see the gorakhpur city like Urdu Bazaar, Golghar Market, Rapti Nagar, Tara Mandal and Geta Vatika garden. The main market for shopping purpose, Golghar market is famous, you can purchase here everything which is you needed.

So if you are interested in traveling, to must be come one time in gorakhpur for traveling and see many beautiful and some historical places here. There are many travel agency and travel agent who are guiding you for traveling in city tour and tell them much other knowledge about India tour and city tour. You can also enjoy here your cheap vacation and cheap family holidays here; you just book your tickets online for recreation and enjoying you holidays.

Air Travel With Your Pit Bull Terrier Dog

Being well prepared before traveling with your Pit Bull is crucial to having a good trip, especially if he will be going on an airplane with you. There are several things you will need so that your Pit Bull is allowed to board the plane, and many things you should take care of before leaving.

When you call the airline to arrange your flight, you should go ahead and let them know then that your Pit Bull will be traveling with you. Different countries have different guidelines for pets, so your airline should be able to give you specific instructions depending on where you are planning to go. At this time, you should also find out what the airlines rules and regulations are, so that you can be prepared in advance. It is a good idea to call back around two weeks before your scheduled flight to make sure you have everything taken care of. Surprises at the last minute can delay your plans, or stop you from going altogether.

It is not required usually that your pet have a medical exam before flying with you, but it is a good idea, so that any potential problems can be taken care of by your own veterinarian. You will also need to get a certificate from your veterinarian regarding the health of your Pit Bull. There are different guidelines for these depending on where you are traveling to and what the airline mandates. Most require the certificate be dated no more than ten days before the flight. You shouldn’t pack this paperwork, but rather keep it with you while on the plane.

To make sure you don’t lose your Pit Bull, make sure he wears a collar and tag. The tag should have all of your contact information, the date of his last rabies vaccine, and his license. It is a good idea to also have a tag with the contact information for a friend that can be reached, just in case. Purchase a kennel that meets the airline’s requirements, and make sure that you have identification on both the inside and outside of it, just as an extra precaution.

Anything that you put inside your Pit Bull’s crate should be firmly attached to it. You should check with your airline to find out exactly what is allowed. Feed your Pit Bull around four hours before your estimated departure time, and take extra food and water with you, just in case you are late leaving the terminal.

If you take all the necessary precautions, and follow your airlines recommendations, traveling by airplane with your Pit Bull should be easy and enjoyable for you both.

How To Save on Health Insurance

With health care costs soaring through the roof, the cost of health insurance premiums are increasing as well. Health insurance is a necessity, however, when you consider the costs of one visit to the emergency room, surgery to set a broken bone, scans, lab and other costs. When your budget is limited, how can you keep the costs of your health insurance premiums down? There are several steps you can take to reduce your health insurance costs and still maintain adequate medical coverage when you need it.

First step is to consider what health insurance options you have. Does your employer offer a group medical benefit? Many employers (and/or labor unions) offer health benefits to full-time employees. Group health insurance is usually the cheapest way to get medical coverage; an employer can negotiate with health insurance companies to get a group health plan at cheaper rates. In addition, many employers will pay part of the premium, reducing your health insurance cost even further. Another consideration is whether your spouse has health coverage available through their employer? If so, compare your health benefits plan to that of your spouse, and decide which health plan is the better buy. It may be possible to have one spouse carry family health insurance coverage and the other drop their health benefits. Many employers have multiple health insurance options, so review these plans as well. Choose the health plan that best meets your needs at the cheapest rate.

If no health insurance coverage is available through your employer, there are other ways to obtain health insurance coverage. Individual and family private health insurance policies are available. Shop and compare benefits and premiums from each health insurance plan. If you and your family are generally healthy, the new Health Savings Account (HSA) may be worth consideration. The HSA is an account that allows you to save tax-free dollars for your medical/health expenses. Similar to an Individual Retirement Account (IRA), you are limited in the amount that you are allowed to contribute each year; however, with the HSA, withdrawals for health expenses are not penalized, and no tax is paid on the withdrawal. When paired with a health insurance policy that has high deductibles and low rates, the HSA may be ideal for you. Save money in the HSA for deductibles and co-pays, and you’re set.

For those over 65 or permanently disabled, Medicare is available through the federal government. The original Medicare is an 80/20 plan (they pay 80% of eligible expenses and the insured pays 20%) with an annual deductible and a monthly premium. Supplemental health plans are available to cover this deductible and co-pay. These supplemental health plans are usually private and the insured pays a premium. In addition to the original Medicare plan, there are Medicare HMOs. In these Medicare HMO health plans, the Medicare premium is paid to an HMO to provide benefits to the insured. HMO plans are more restrictive in that patients must get care through a network provider, but often these plans cover more prescription drugs and preventive care than original Medicare does.

Recently some employers have offered lower premiums to employees who do not smoke cigarettes. This is currently a controversial topic for some, but it certainly may begin a trend. In the future, employers and their health insurance providers could offer reduced premiums for employees who maintain normal weight, exercise regularly, and receive certain wellness benefits. Maintaining a healthy lifestyle lowers the risk to the health insurance company that they will be paying big bucks in health care down the road. And health insurance, as any other insurance, is all about risk.

Bottom line: going without health insurance coverage is a big risk for you. Find health coverage that you can afford just in case Murphy comes knocking at your door!