Health Savings Accounts – An American Innovation in Health Insurance

June 26, 2016

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

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

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


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

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 These can be withdrawn by the employees at the time of retirement without any tax liabilities.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

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

Origin of Health Savings Account

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

Eligibility –

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

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

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

What is a High Deductible Health plan (HDHP)?

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

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

Opening a Health Savings Account

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

Contributions to the Health Savings Account

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

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

Contributions by the Employer

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

Withdrawals from the HSAs

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

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

These are –

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

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

Growth of HSAs

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

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

Benefits of HSAs

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

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

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

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

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

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

Criticism of HSAs

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

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

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

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

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

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

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

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

Choosing a Health Plan

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

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

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


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)
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
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

3 +1″ accelerate industry concentration

September 30, 2016

According to statistics, one quarter of the 17 key projects have been settled in high-tech zones, with a total investment of 26.6 billion yuan. Around the “3 +1″ Key industry development plan (electronic information, biology and medicine, high-end equipment manufacturing, modern services), a group of high growth is accelerating the concentration of industrial projects, industrial structure gradually clear. Global industry giants have settled

The first quarter of this year, high-tech zones to attract foreign investment projects 6, a total investment of about 2 billion U.S. dollars. Among them, U.S. TRW Automotive Safety Systems, Alstom shock absorber systems are 500 investment projects in the world, but also high-tech zone management system to adjust the first time since the introduction of the Global 500 project.

U.S. TRW Automotive Safety Systems The total investment is $ 20,000,000, the production of brake pads from the use of the depth of mold processing technology, can greatly reduce the vehicle noise vibration and improve the drivers comfort. Metal containers item has the world’s largest manufacturer and supplier of metal packaging containers, the U.S. Fortune 500 companies owned Boer set up a total investment of $ 75,000,000, is expected annual sales income of about 5 million yuan, annual profits and taxes 80 million yuan . Integrated Systems Project, Department of Ophthalmology, the world’s cases of the highest rates of ophthalmic electronic medical record software maker owned German company law should be established to introduce high-tech zone is the first German-owned enterprises. Accelerate the growth of high-end industrial chain

In the electronic information industry, the integration of wafer sorting test equipment, Knopp R & D Center and Northern District letter postdoctoral workstation, phase change energy technology industry and other high-tech zone project was officially settled in the northern zone of Jiaozhou Bay.

Among them, the integration of wafer inspection equipment items for sorting by the Friends of Science and Technology Co., Ltd. invested Hanguo Jiang, a world leading patented technology, is mainly engaged in professional LED wafer inspection equipment, test instruments, such as product design, development, production and sales. Settled in the project area for the elongated high-tech LED industry chain and promote high-end industrial projects of electronic information gathering, and further enhance the characteristics of high-tech industry’s core competitiveness area of ​​great significance. Currently, high-tech zone north of the park of Jiaozhou Bay has TPV rs232 lcd module and LCD modules, LED sapphire wafer production and R & D, manufacturing and high-power LED lighting systems LED industry related R & D projects and a number of landing. On this basis, high-tech zone in the semiconductor, IC design, LED as a key investment characteristics of high-tech zone with a complete electronic information industry chain is accelerating the formation.

In biological and pharmaceutical industries, has been the introduction of the blue biomedical industry park, bio-oligosaccharides, DC and CIK in vitro reagent blue biomedical industry projects with a total investment of 1.719 billion yuan. Among them, the Han and Tang Dynasties biochip, blue Biomedical Park incubator, Wah Yan stomach, bio-oligosaccharides four projects have started construction, clean room project orthopedic medical device has been decorated.

Advanced equipment manufacturing sector, which have been settled in the U.S. TRW Automotive Safety Systems, Alstom shock absorber 2 projects, metallurgical equipment, automatic transmission assembly base, tile line cadre integration, chip capacitors and other three projects have been formally signed . Last year, heavy truck started some of the equipment has special vehicle project approach, the ongoing internal and external decoration. East China Machine project was basically completed the first phase, second phase will soon officially started. Heino auto parts business up for projects completed and projects for the record, is about to start construction. Ren machine completion of the project land auction, geological exploration, the ongoing planning and design. Today a group, sub-Mastery, HTC Nile season, ranking a number of new Chengzhi Zhuo settled in Qingdao High-speed train industrial base supporting enterprises will soon have started construction.

Modern services sector, in the city last year started construction of the Shimao complex, technology services and a number of leading financial center, on the basis of the project, Wah Yan venture capital, R & D company in Qingdao Heng Anderson boats and other projects have settled down. The compound began to show hatch features a large

The industrial compound incubation function of a large high-tech zones in the increasingly prominent.

Not long ago, held high-tech projects focused on high-tech zone signing, CMA Engineering Research Center meteorological optical engineering center located in Qingdao High-tech Zone, mainly in our cloud, day, can detect devices and solar observing station equipment R & D and industrialization and enhance our level of technology related field equipment. Optoelectronics Research Institute Chinese Academy of Sciences, Qingdao introduced energy-efficient lighting system industrialization projects of things, will set up an electronic light source technology research and carry out integrated circuit design, packaging and testing to product application development, an annual one billion integrated circuits / modules units of production, and promote the development of optoelectronic integrated circuit industry. At present, the Chinese Academy of Sciences, Qingdao R & D base 4 million square meters of the main cap earlier, the introduction of a highly talented team of 60 people, set up a laser detection, spectral imaging, optical information, electronic light source 4 Research Center, registered in the Bureau of optical measurement, spectrum in the Division, the National Science optoelectronics, such as in Section 4-day high-tech companies for the first time commitment to 863 projects.

Up to now, Qingdao University of Science and Technology Parks Corporation, the national completion of the restructuring, the main park a foundation under construction, is Science and Technology, Ministry of Education officially recognized as state-level assessment of university science park; Qingdao International Science and Technology Park, Industrial Technology Research Institute, Qingdao, Qingdao New Media Technology Park Bangkok High-tech Zone has been settled, the introduction of a number of proprietary high-end industrial projects will be hatching in the incubator and pilot.

Effective Strategies For Hiring Bathroom Remodeling Contractors

October 13, 2016

It’s hard to find good help these days and I’ve heard that my whole life. I wonder if there will actually be a day where we can find good help and we won’t ever need to use that phrase ever again. I would like to offer my help as an experienced bathroom remodeling contractor to homeowners and give you a few tips and strategies for hiring good bathroom remodeling contractors.

1. Don’t ever higher the cheapest bathroom remodeling contractor. You should always get at least three bids for any remodeling project and that’s a must. If someone recommends a friend or another contractor to you, you should still get a couple more bids to make sure that you’re not going to be overcharged.

2. Compare each estimate and make sure that each remodeling contractor has enough information in their contracts so that you can actually compare each contract effectively. If there isn’t enough information in one contract, explain your situation to the contractor so that they can provide you with more information. This is going to be very important, especially if you’re planning on making a good decision on which contractor to hire.

3. Check to make sure that your bathroom remodel contractor is actually licensed if your state requires one. This is where you could get into big trouble, hiring a friend or someone else that isn’t licensed or doesn’t know what they’re doing. Be careful hiring unlicensed contractors, especially bathroom remodeling contractors.

4. Make sure that you get along with your bathroom remodeling contractor. If they rub you the wrong way or can’t answer some of your questions, you should think twice before hiring them. I can’t stress this enough and this is one of the most important things to me. If I can’t get along with someone, I can’t do business with them either.

5. Is your bathroom remodeling contractor and their workers qualified to remodel your bathroom? This seems to be a problem that’s getting bigger and bigger. Just because you’re contractor has 40 years of experience, doesn’t mean that his workers will also. These are simple questions that can save you a lot of money and I suggest that you take advantage of them.

Finding a good bathroom remodeling contractor isn’t as hard as you think. Good luck and I hope this article helps.

Really Simple Tips to Bathroom Remodeling

June 12, 2016

Bathroom remodeling can take many different forms depending on your budget and the time you have allotted yourself. People tend to think that this has to be long drawn out project, but that just isn’t the truth any more with the new products that are being released in the home improvement industry. We have some simple tips to make bathroom remodeling pain-free and most of all fairly quickly.

Appearance is usually the main reason that most people decide to do some bathroom remodeling. One of the quickest and easiest ways to change the look of your bathroom is replacing the faucets. This can include both the sink and the bathtub. Today’s faucets are very nice and depending on the type of money you want to spend you could go all the way up to 24K gold ones. Any upgrade though makes a big difference. The tile is another thing that many people are doing to update and take their bathroom remodeling to another level. These tiles can be used on the walls of the bathtub or the walls of the bathroom. They come in a variety of shapes, sizes, colors, and even designs. They adhere to the wall usually with glue and make any bathroom stand out.

Carpeting is another simple thing that really can make that bathroom remodeling project stand out. Most bathrooms have tile floors which mean laying carpet can really be a breeze with today’s innovations. Carpeting now comes in squares where you can just peel back the paper and they will stick right to the floor. They come in various colors and textures and can be cut with a utility knife to fit around tight places. If you don’t want to spend a lot for carpeting this is something that you could try. Wallpaper is another quick fix for your bathroom. In fact wallpaper has become so much easier over the years you can have your bathroom wallpapered in just one afternoon. Designs and colors are a lot better so you should have no problem matching up your bathroom’s decor with wallpaper.

Now one other thing that seems really popular is bathtub replacement. People think you have to rip the bathtub out but now they have where you can put a liner over the top of the old one. You get a brand new looking tub without the high cost associated with it. Most people are starting to realize that bathroom remodeling doesn’t mean you have to rip down the walls or tear out everything to have a different looking bathroom. These small steps outlined above can be done in a weekend and the cost isn’t as great as you would imagine. As we have less and less time to do home projects we are going to go the route of using smaller projects to get the desire affect we want.

Bathroom remodeling as you can see many times can be done in steps. There are a few other tips that also should be considered before you start any project. Have a good idea what you want to do and stick to it. Finish one thing before heading to something else. Secondly stay within a budget so you know exactly what you are spending. Third always remember to have fun as this is your home and in the end you have the final decision with how it looks. As long as you’re happy with the bathroom remodeling that’s all that really matters in the end.

India Imports and Exports – Part II

June 1, 2016

India-America Trade relations

For the starters, United States is India’s largest trading partner.

India’s major exports to US – include Information Technology Services, textiles, machinery, ITeS, gems and diamonds, chemicals, iron and steel products, coffee, tea, and other edible food products.

India’s major imports from US – aircraft, fertilizers, computer hardware, scrap metal and medical equipments.

Additionally, America is also India’s largest investment partner. Americans have made significant investments in India’s power generation, telecommunications, ports, roads, petroleum exploration/processing, and mining industries.

India and US have signed a new Trade Policy Forum. The sub-divisions include: Agricultural Trade Group and Tariff and Non-Tariff Barriers group.

Agricultural Trade Group- The group specially focuses on three objectives: approving on terms that will facilitate India to export mangoes to the United States, thereby sanctioning Agricultural and Process Food Products Export Development Authority (APEDA) to vouch Indian products to the standards of the U.S. Department of Agriculture, and implementing procedures for approving edible wax on fruit.

Tariff and Non-Tariff Barriers group – Insecticides manufactured by United States could be sold across the length and breadth of the country. Also, India has also agreed to cut regulations on buy/sell of carbonated drinks. Many medicinal drugs and lowering regulations on products those are not agricultural produce.

Both countries expressed interest in promoting small business initiatives in both countries by enabling trade between them..

The percentage of traded items from India to US

1. Diamonds & precious stones (25%)

2. Textiles (29.01%)

3. Iron & Steel (5.81%)

4. Organic chemicals (4.3%)

5. Machinery (4.6%)

6. Electrical Machinery (4.28%)

The percentage of traded items from US to India

1. Engineering goods & machinery (including electrical) (31.2%)

2. Precious stones & metals (8.01%)

3. Organic chemicals (4.98%)

4. Optical instruments & equipment (7.33%)

5. Aviation & aircraft ( 16.8%)

Export of Indian Agro Exports to US

The export of Indian Agro products to US forms a significant component of Indian exports to US. The Indian government apparently plays an important role in the expansion and diversification of the agricultural products and food processing industrial sector of the country. It is reportedly one of the largest in terms of production, consumption, export and growth.

The main items of Indian Agro Exports to US are:

o Rice and rice products

o Fresh vegetables

o Fresh fruits like mangoes, mango pulp, and grapes

The Travel Career in nursing and it is Advantages

May 12, 2016

There are quite a bit of profession prospects accessible to nurses today. Nurses can be found in various medical areas a variety of medical establishments for instance hospitals, schools, government, medical clinics, nursing homes, administration, plus more. One sort of nursing job that may be now being chosen by more nurses because several positive aspects will be the travel career in nursing.

A travel nurse is usually a nurse who goes toward areas everywhere over the nation and works for a medical facility for any set specific time. These nurses are replacement workers for nurses who’re away for reasons like if they’re on the holiday to have an extended period of time. Since the nursing positions are temporary, the employer will be expecting a nurse who does not have for being trained or supervised.

As a travel nurse, you require some important qualifications. You will need to be considered a licensed nurse that completed the nursing program from a certified school for nursing. It’s also advisable to been employed by being a nurse for the year or higher. Employers rely on travel nurses to be prepared to leap into work can be with the necessity for supervision or much training. To obtain a job as a travel nurse, most nurses will join a nurse recruiting agency.

A nurse recruiting company assists employers in the healthcare industry hire travel nurses to temporarily replace nurse on leave. Upon joining a staffing company, every one of the specifics of the nurse such as qualifications is set up a database. When an employer requests a nurse for the short term job vacancy, the agency will quickly realize the proper nurse to complete the job. The agency will help make a phone interview between the employer and nurse, assist the nurse with pay for it for travel, get the right nursing licenses, and help with finding suitable housing. A nursing staffing company could also offer courses to help keep nursing skills and knowledge on issues within the medical industry.

You can find nurse staffing agencies that provide nurses to employers needing temporary workers. As effectively, a travel nurse in most cases obtain compensation for travel relates expenses. There can also be a housing compensation and medical insurance benefits. Using a travel nursing career, flexibility is really a benefit as a nurse can choose the type of work assignment that meets the requirements and preferences. They even have a holiday between work assignments. As nicely, this can be a fun and lucrative way to see the country. If a nurse isn’t ready for any full-time career available as one place, travel nursing is a superb choice.

Nursing travel jobs tends to make a lucrative income because these nurses need to be experienced and ready to travel and begin work competently the first day. For nurses trying to travel as well as a great living, the travel nursing profession may be the solution. They also receive the good thing about working in different medical environments and experience new places. When nurses attempt this kind of career, they soon discover travel nursing is often a rewarding and lucrative career.

Tips To A Cheap Bathroom Remodeling

May 18, 2016

Most homeowners think of remodeling their bedroom and bathroom at least every year but they neglect to see the importance of remodeling a bathroom. This part of the house is most likely to be neglected even if it is one of the most important room in the house. The bathroom is the only place wherein homeowners get to clean themselves not only that but the bathroom can be a solitary place wherein one can relax and get cozy after a hard day’s work or after a stressful day with the kids. So, why neglect this part of the house? If you plan to remodel your house but do not have enough budget to include the bathroom do not worry because you can still remodel your bathroom even if you are tight on budget.

Those who have smaller bathroom are lucky because it is easier to remodel smaller bathroom compared to larger bathrooms. The only problem with smaller bathrooms when remodeling is the trick in making the room look larger than it actually appears. The good news about remodeling smaller bathrooms? it cost less compared to giving a larger and luxurious bathroom a facelift. Here are simple tips on how to maximize your small amount of money so that it will go a long way in bathroom remodeling:

-Know what you want in a bathroom. Know if you want a powder room, a sauna room/bathroom, bathroom in a dressing room or a full bath. Big or small bathroom these two need almost the same thing: you need to take into consideration the type of flooring you want to have, ventilation of the room (this would include the exhaust fan as well as the windows), decide on the type of bathroom cabinetry you would want to bring in the bathroom and other bathroom furnishings. A tip for those homeowners who have smaller bathrooms is to use furniture or furnishings that are either multi-functional or that can be hang on the wall to maximize the space.

-Remodel the bathroom yourself. If you do the job yourself you can save almost 50% of the total amount from the expenses. Research through magazine and online articles on tips on how to remodel a bathroom. If you are unsure about the task you can do the easy ones like the demolition, flooring and painting and you can hire a pro to do the rest of the job.

Tips on Finding and Booking Car Rental Specials on the Internet

September 2, 2016

Car rental specials are a great way to get a cheaper car rental. They allow car rental companies to get their vehicles booked in advance and allow you to save money!

You can access car rental specials through each individual company’s website or through booking sites such as Expedia, Hotwire, Priceline, etc. In doing some research, I found that the majority of the rates found on the booking sites were the same as the non-discounted rate through the company directly.

I would definitely check both to get the best rate possible. I did find cheaper rates with prepaid booking sites (where you pay for the rental up-front) but these usually allow no modifications or cancellations of the reservation. If you are booking through a prepaid booking site, make sure to read the terms and
conditions very carefully and keep these factors in mind when you are checking prices.

When you are checking a company specific website, check the rate first with no discount, then with a discount code (if you have one), and with the special offered by the company. This way you are sure to get the cheapest rate offered.

You should always check the terms and conditions for any specials to make sure that your particular rental qualifies.

Common terms and conditions are listed further down.

On the car rental company websites there are basic types of specials that most offer.

% Off Car Rental Specials

These types of specials can range from 10% to 50% off rates; usually weekly or weekend rates. Sometimes you will see seasonal specials or midweek specials or one-way specials.

Prepaid Car Rental Specials

Many rental companies will offer car rental specials if you prepay the reservation on their website. This will involve providing your credit card at the time of booking and the amount of the rental will be billed right away.

$ Off /Free Day Car Rental Specials

Many rental company websites offer $ off and or Free Day car rental specials. This would be considered an internet coupon offer. This can range from $5 – $50 off depending on the company and the length of the rental or the price per day if it is a Free Day offer.

Location Specific Car Rental Specials

Many companies will offer specials at either airport locations, neighbourhood locations or both. They may also offer car rental specials in specific cities at certain times.

The terms and conditions for most specials are:

Most specials are limited to specific car types and sizes, unless the special is for “all car sizes”.

Most specials have a minimum and a maximum rental period. Make sure that your rental conforms to these guidelines.

Most offers are not valid in conjunction with any other rate programs or special offers, and cannot be used with a coupon or on a one-way rental.

Any % off/ money off or free day specials will be on the base rate of the vehicle only, and will not apply to the taxes and surcharges at the location or any optional equipment or waivers that you may purchase.

Check for date restrictions. Most offers will require an advance reservation and are only available for a specified length of time. Look for terms such as

“Available through” a certain date (must be booked and rented before such date). This will sometimes be worded as “Offer expires by…” or “Rental must begin by…”

Look for the term “blackout dates” Most companies restrict their offer at peak times and holidays. Keep in mind that peak times can vary by location. If there is an annual large convention in a certain city and the rental locations are extremely busy they will generally blackout specials for that time. This
applies to large events as well (example: Nascar Events, PGA tour events, Mardi Gras, etc.) If the blackout dates are not listed, you should be able to call or contact the rental company to find out the specifics.

Most offers are available at “participating locations” and usually restricted to certain countries. Check to see if the offer is available at airport locations, urban locations, suburban locations or a combination of these.

Many companies do not offer specials in the New York are, Alaska or Hawaii. Check your terms and conditions for these restrictions.

For a prepaid booking special you will need to present the same major credit card you used to book the rental at the rental counter. The name on credit card and the name on the driver’s license must match. You cannot use someone else’s credit card to prepay your reservation.

For most prepaid car rental specials and advanced reservation is required. You usually have to book and prepay the rental at least 24 hours before you go to pick it up.

Debit cards are generally not accepted for prepaid reservations.

Even if you book a prepaid reservation online, you cannot cancel them online. You must call the company directly to cancel or modify. Keep in mind that if modifying, you are basically cancelling the reservation and rebooking; this will often affect your rate. Check to see if and what the cancellation and no-show policy is for prepaid car rental specials.

Many companies offer specials only available to subscribers – sign up for email notifications for any car rental companies you prefer.

For more tips on car rental specials,discount codes,coupons,policies and more, please visit my website below.

How To Properly Remove A Bumper Sticker and Blend the Paint to Match

May 29, 2016

No matter what your reasons may be you’ve decided its’ time to remove that old faded bumper sticker from your vehicle. Lucky for you in just a few minutes and with a small amount of effort your car can be bumper sticker free. This process can be repeated for just about any type of adhesive stuck to your vehicle. It can be used to remove inspection stickers from windows, or vinyl lettering/vinyl graphics from the vehicle as well. The most important part is to be very patient and not try to rush through any steps. All of the steps below should be completed in a garage, under a carport or during dawn/dusk to provide as much time as possible before the adhesive remover dries on the car.

What You Will Need:

Razor Blade (Single Sided Square Blade Recommended)

Citrus Based Adhesive Solvent (Goo Gone Automotive Cleaner Recommended)

Automotive Paint Safe Bug Brush (Can be purchased at Walmart, or any auto parts store)

Microfiber Towels




STEP #1: Take your razor blade and carefully slide the edge of the blade under a corner of the sticker. With the edge of the razor blade under the sticker gently tease up the corner of the sticker.

STEP #2: Grab the freed corner of the sticker and slowly pull the sticker in the direction of the remaining sticker. NOTE: If the sticker becomes too difficult to pull without tearing, apply your citrus based adhesive solvent to the adhesive sticker backing during this step. The solvent will loosen the adhesive, making it easier to remove the sticker. It is recommended to wait at least one minute to allow the solvent to penetrate and break down the adhesive.

STEP #3: Once you have removed the entire sticker, there will still be bumper sticker adhesive left behind. Now apply the citrus based adhesive remover to your automotive paint safe bug brush. Using the bug brush, apply some citrus based adhesive remover to the remaining adhesive on the vehicle in a circular motion. NOTE: This step may will most likely have to be repeated in order to remove all the adhesive from the vehicle. To ensure everything is removed, run your hand across the area once dried. Any remaining sticker glue will create a rough/sticky feeling. If there is still some leftover then repeat step #3. If there is no residue or leftover you may proceed to step #4.

STEP #4: Remove the excess adhesive remover with your microfiber towel.

Note: There will be some slight scuff/mar marks as well as a discoloration of the paint depending on how long the bumper sticker was on the car. This will need to be removed by compounding and polishing the area to smooth out any blemishes and blend the clear coat to match the rest of the bumper.

STEP #5: Now that the bumper sticker has been removed and all adhesive cleaned up it is time to make it look like the rest of the bumper. Follow the steps on how to properly compound and polish a car to remove light swirls and scratches.

STEP#6: Inspect the area where the sticker was to ensure it is satisfactory. Remember to apply a couple coats of wax, since it has been a long time since this portion of the bumper saw any.

Removing a bumper sticker can seem like an insurmountable task, and often people will give up because of the difficulty. With a little patience, the right tools and know how anyone can learn how to properly remove a bumper sticker without any blemishes to the paint.

The Essential Things To Consider Before Securing An Auto Insurance Policy

June 25, 2016

If you own a vehicle, you cannot afford to be without the proper coverage. Why is this so? Well, why don’t you think about it for a minute or two. Driving around in an uninsured vehicle is a lot like wanting to commit suicide. You open yourself to all sorts of risks without even bothering to protect yourself one bit. Realize that any kind of vehicle, no matter how expensive it might be, is prone to accidents or other untoward circumstances. You do not have complete control over things like these. Even if you buy the most popular brand, it’s not an assurance that nothing will happen.

This is why any vehicle owner should make it a point to invest in the right auto insurance policy. However, there are still a lot of people who are quite skeptical about doing so. They feel like they are just wasting money on costly premiums without getting any return in the process. But this is only because they do not take consideration some essential details before applying for a policy. So before you take one out, it’s highly encouraged to be properly informed first. That way, you can be sure to end up with the right coverage for your vehicle.

First off, identify the kind of risks you are exposed to when you drive your vehicle. You also have to note down just how much your car is worth. Consider what else do you stand to lose in case an accident occurs. For example, how much would medical bills cost you? What about if an innocent bystander gets injured? By going through all these questions, you will be able to come up with a reasonable amount on your coverage. Second, look for a reliable auto insurance company. There are a lot of them these days, so choose wisely. Be thorough in checking out their customer care services.

You can start by going over the more established companies first before checking out the newer ones. Try to see just how convenient they try to make things for their clientele. There are those that offer convenience fees so your total bill can be broken up into smaller payments. Also compare the other features and services each company offers. Lastly, make sure you read the fine print before signing anything. Be aware of the discounts that you are eligible for and ascertain if they are legit. Also be wary of hidden fees that some insurance companies incorporate into their policies.

Cookie Decorating and Cocktails: Themed Parties For the Holiday Season

August 26, 2016

The holidays are upon us, and one of the most timeless, beloved traditions is cookie decorating before Christmas time. Instead of setting aside an afternoon to bake batch after batch of Christmas cookies, why not plan a full-blown cookie decorating party to include friends and family?

How a Cookie Decorating Party Works

A cookie decorating party can work in one of two ways. You can ask all guests to bring their own favorite cookies, undecorated, to the party for a group decorating project. Or, you can ask guests to pitch in and make batches of cookies in your kitchen that you can all decorate together once they cool, fresh out of the oven.

For a smaller gathering with a few friends, baking cookies and decorating together will work well. For a larger party of five or more, it’s a better idea to ask guests to bring their own undecorated cookies so you don’t have to worry about squeezing a large group into a crowded, hot kitchen to bake cookies together.

To plan ahead, make sure that you have all of the necessary decorating supplies set up in advance in different stations throughout the room, including:

• Aprons or smocks
• Paper towels
• Tubes of icing in different colors
• Sprinkles and other assorted decorations
• Food coloring
• Small paintbrushes

From there, it’s time to get cracking! Guests can decorate plain cookies of their choice with different icings and assorted decorations, like sprinkles, chocolate chips, M&Ms, crushed peppermint, and more. You may also choose to splurge on fancy holiday cookie decorations like colored sugar, silver ball candies, and cinnamon hearts.

All of the decorations can be set up in individual bowls for use at each decorating station. Guests can also create their own colored icing with food coloring to paint different designs on each cookie using a small paintbrush.

Adult Beverages for Cookie Decorating

If this is an adults-only party, you have the perfect opportunity to pair holiday cookies with delicious seasonal cocktails to enjoy throughout the decorating process. Depending upon the type of cookies that you decorate, whether they’re plain sugar cookies, snickerdoodles, or even peanut butter cookies, you can pair your holiday drinks accordingly.

Decorated holiday sugar cookies will go well with a warm beverage like Irish Coffee or spiked cider. You can also make a large batch of alcoholic holiday punch with flavors of cinnamon, cloves, and nutmeg, served chilled and topped with a splash of cranberry juice and sparkling wine.

For more flavorful cookies, like peanut butter or snickerdoodle, serve a refreshing holiday favorite like mulled wine, peppermint martinis, or rich yet satisfying alcoholic eggnog.

For an adult-themed cookie decorating holiday bash, make sure to provide guests with the convenience of arranging transportation to and from the venue with a limo rental or luxury town car. This will allow guests to ride safely to and from the party destination so that they can enjoy a few holiday cocktails without having to worry about driving home at the end of the evening. ‘Tis the season!

Cheap Car Insurance and Car Safety – Use of Cellphones While Driving

July 5, 2016

There have always been debates about what constitutes distraction or different levels of distraction whilst driving a car, ranging from listening to the radio, having rows with kids to generally having a lack of awareness or understanding of road sense as to what is going on around you.

Cellphones and the use of cellphones whilst driving have taken this debate to a new level. It is simply not an academic debate any more since the use of cellphones both for making and receiving calls and for sending and receiving text messages or SMS messages has become widespread in most countries in the world.

Cellphones have come a long way since the first one appeared in the James Bond film from Russia with Love, and are now considered a routine part of most people’s drivers experience. Car manufacturers are increasingly building and integrating cell phone capabilities into the vehicles themselves, either by way of Bluetooth technology or other sorts of technological adaptations of cellphones.

When cellphones first became widespread they were often known as car phone’s, because that was where they were mostly used. Because of the size of the car phone it meant that most people would only use them when the car was stationary and would consciously make an effort to pull over or stop in a safe place before answering all receiving calls. At cellphones have changed in size and capability to reverse became true. More people began to find it easy and often necessary to make or receive calls during the course of a journey and subsequently do not think of it as being risky or distracting behaviour.

After a while governments began to realise both the normalisation of using a cellphone whilst driving, and the inherent dangers and risks associated with such. Many states and governments introduced laws that made holding a cellphone whilst making or receiving a call a criminal offence. The use of Bluetooth technology and other types technology allowed drivers to make and receive what are known as hands-free calls which were deemed to be safer and less distracting and physically having to hold a cellphone handset in the hand whilst driving.

That belief that hands-free driving is safer may or may not be true. The reality is that in most places it is legal but has almost been superseded by a bigger problem, that of sending and receiving text messages or SMS messages. This is a widespread and incredibly dangerous practice, not least because it involves the use of one or both hands whilst driving, but it also requires the driver to look at the screen of the cellphone whilst sending or receiving text messages rather than looking at the road around them to see what is going on.

The United States government has done research that shows that the use of a cellphone whilst driving can effectively be as distracting or have a similar effect to that of the driver being intoxicated was driving. It is an incredibly serious issue and one which most legislators have in reality given lip service to. The enormity of what it means in terms of potential fatalities or accidents is huge. In terms of car safety the any real safe use of a cellphone is when the car is stationary and effectively off-road so the driver does not have to concentrate on what is going on around them at the same time. In terms of car insurance there are a number of scenarios where the driver of the car, if involved in a fatality or accident that occurred whilst they were using a cellphone improperly, could have their car insurance compromised.

Home-Based Can Mean Big Business

May 24, 2016

Nowadays, you can get started with less than one thousand dollars. This will buy you your own website, millions of dollars in inventory, sales and marketing tools, and a team of experienced entrepreneurs working with you every step of the way to help you achieve all your goals in life.

You don’t even need a warehouse with receiving and shipping departments. All you really need is a computer and telephone which most people have anyway.

Initially, I looked at franchises and distributorships when deciding about another business. One of the problems I saw with these two models was the large amount of capital needed to start in most cases. Although the potential rewards were high, the risk was more than I wanted to subject myself to in the current state of the economy.

Another problem was the need for office or warehouse space. This meant I would have the added expense of paying rent and utilities.

Other shortcomings include the long hours it would take to succeed and the need to hire and manage employees.

These were all added expenses and headaches that I didn’t really want or need.

I wanted this to be my last business but it had to be something substantial that I could continue to work at as I got closer to retirement age and possibly beyond.

Then, I looked into home-based businesses. I had a friend tell me about network marketing. My initial thought was that it wasn’t for me. My friend, unbeknownst to me, had been very successful at it and thought I could be too. I took him up on it and decided to explore it further.

I was glad that I did. The investment was small. The return has been greater than any I could have achieved in any other business.

The low risk and high reward far outweighed any other business model.

From past experience I can tell you that it is important to pick the right home-based business. A good support team is crucial to your success. In network marketing, you will need a good upline of people that you can call for help and expertise. Make sure that you choose something that interests you. Do something that you will enjoy talking about and will be passionate about.

A number of really successful people have commented that this is a business structure that will thrive in the coming years as baby boomers get older.

Most boomers don’t have enough money saved for retirement. Also, many of them are losing their jobs or having their hours reduced. Some are just tired of the corporate world.

I get one other benefit from my home-based business. The ability to help other people reach their goals and dreams in life. Most people are either afraid to start their own business or don’t have enough capital to do so. They are afraid to go it alone. Choose the right team and you will never run your business alone.

A home-based business can be the path to financial freedom for anyone.

Compare e Cigarettes – Manual and Automatic

June 4, 2016

E cigarettes are catching on real fast as healthier alternatives to smoking conventional cigarettes due to their many advantages over ordinary rolled tobacco cigarettes. Let us compare e this – both manual and automatic and see what each one of them has to offer to the smoker, their advantages and disadvantages.

When you compare this to conventional cigarettes, these are the clear winners due to the many advantages they have over conventional rolled cigarettes. To begin with, those claims that e cigaretes are healthier – they are true. E cigaretes do not work by burning tobacco like ordinary cigarettes do, they use a cartridge and a heater, a cartridge is basically a little container that contains a little substrate that is soaked in e cigarette fluid. A heater heats up the cartridge and the fluid gets vaporized and you have to inhale these vapors. When you compare e cigaretes to conventional cigarettes, the sensation is real and there is no difference between actual cigarettes and e-cigaretes.

But let us compare e-cigaretes of two types, manual and automatic. The first e-cigarettes that made their appearance were in fact manual. A few of these are still available, although they are becoming increasingly getting rare. Today’s e-cigarettes are practically indistinguishable from real cigarettes in terms of looks at least. They are made to resemble and feel like real cigarettes as closely as possible. When you compare e cigarettes of today to the e-cigarettes that were there a few years ago, you will see a huge difference indeed. Today’s e-cigarettes are much better than yesteryears’.

When e-cigarettes first made their appearance, they were awkward devices. They were heavy and didn’t really feel right. The technology was still in its infancy. Now when you compare e cigarettes to actual cigarettes, the mechanism of working is different and the e-cigarette uses a heater. This heater is an electrical device. And like all electrical devices, it needs to be activated somehow. And the way to activate the heater is by pressing a button. The button activates the heater and this is what makes the e-cigarette work.

The next improvement in e-cigaretes was when the e-cigaretes went automatic. Now there was no need to press a button, you just had to drag on it like you would with a conventionally cigarette. That is all you had to do to make the cigarette work. Now if you compare e cigaretes of the automatic and manual type, one thing becomes clear. The automatic type feels closer to home. You don’t press a button when you smoke a real cigarette do you? Some people are under the wrong impression that there is a lag in the drag operated automatic e cigaretes, but this is not an issue at all.

Teenage Smoking – Electronic Butt or a Orderly Butt

June 18, 2016

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

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

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

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

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

Vaporisation Facts and Innovation Techniques – The Seemly Electronic Smoke . Benefits of an Electronic . No . Why your , car, and duty with breathing when you dont change to? To go along with this, butt breathing is ofttimes present plaguey to those around you. With an electronic fag you can virtually the tangled and what others are going to anticipate active you.

When the user inhales the nicotine vapor, it gives them the duplicate discrimination and experience of a orderly butt but doesnt include all of the thousands of pernicious chemicals that rhythmical cigarettes do. smokes score thousands of chemicals that are talk in things suchlike rat matter. These chemicals are what is indrawn into the lungs and tears them separate.

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