Posted by Carl on Jul 23, 2009 in
Good Going
Couples who have concentrated on pre marital counseling are improved able to deal with difficult situations together. Pre marriage counseling makes a consciousness of concerns that might take place in a marriage. Moreover pre marriage analysis also helps couples to make a decision if they are actually ready for marriage.
Marriage counseling serves as a very important factor for the successful relationship between the husband and the husband. Today, both pre-marriage counseling and Post-marriage counseling are available. These marriage counseling gives the husband and the wife a better understanding towards their life.
Pre marital counseling lessons normally discuss questions for couples for example developing conflict resolution skills, intimacy and sexuality, valuable communication, family purposes, marriage expectations and beliefs and values,
In case of a pre-marriage counseling, the to-be husbands and wives are given the basic idea of different problems. It also tells them their effects on their life. The professional counselors also tell them how to overcome these problems.
‘1000 Thousand Questions for couples’ is a wonderful program that tells/shows you how to understand their problems properly. They are told how to overcome these problems as these problems can spoil the joy of the conjugal life. It is a set of witty questions for the couple based upon different problems of human relationships. You just need to sit together and answer these questions to the best of your aptitude. The more honest you are in their expression, the easier is your solution. These questions for the married couples also give a very good understanding about each other. This type of understanding can make their relationship stronger and they love to live their life with each other.
Disclaimer: This article is just for information only. You are advised to follow professional advisers.
Posted by Carlson on Jul 23, 2009 in
Good Going
Lack of health insurance coverage for over 41 million Americans is one of the nation’s most pressing problems. While most elderly Americans have coverage through Medicare and nearly two-thirds of non-elderly Americans receive health coverage through employer-sponsored plans, many workers and their families remain uninsured because their employer does not offer coverage or they cannot afford the cost of coverage. Medicaid and the State Children’s Health Insurance Program (SCHIP) or HAWK-I here in Iowa help fill in the gaps for low-income children and some of their parents, but the reach of these programs is limited. As a result, millions of Americans without health insurance face adverse health consequences because of delayed or foregone health care and extending coverage to the uninsured has become a national priority. -(Information taken from kff.org)
The number of people that are forced to go without health insurance is nothing less than a crisis in this country today. We have fallen into a vicious cycle over the last few decades in which health insurance premiums have become too expensive for even a middle class family to afford. This in turn results in the inability of the uninsured to cover medical costs which often times results in the financial ruins of the family, and in turn results in the continuing loss of income by the medical community, which in turn drives the cost of medical expenses higher, finally cycling back to the insurance company which then must drive the premiums of health insurance higher to help cover the rising cost of health care.
Many proposals have been tossed around by politicians on both sides of the isle ranging from socializing health care comparable to the Canadian system, to endorsing health savings accounts and cracking down on frivolous law suits against the medical community. Many of these proposals have good points, but along with whatever good points they bring they also bring major downfalls. For instance; a socialized national health care program would eliminate the need for health insurance all together and the cost would be taken on by taxes, which in theory doesn’t seem like a bad idea. However, the downfalls to this system include a deficit in new doctors willing to get into the field due to the inevitable decline in income while the demand would grow due to no personal responsibility. In short if people didn’t have to worry about deductibles or copays that would normally keep the person from seeking medical treatment for minor things, they would simply go to the doctor every time they had an ache or pain. So now we have waiting lines for people with major health problems since everyone is scheduling an appointment while at the same time we are loosing doctors due to lack of incentive.
The current battle cry by the republican Bush administration is to push HSA’s (Health Savings Accounts) which reduce premium by taking a less expensive high deductible health insurance plan with a tax deferred savings account that earns a small interest on the side that you contribute to along with your premiums each month. Any money withdrawn from the savings account for qualified medical expenses are taken “tax-free”, and unlike a flex spending account like many people are familiar with in employer based plans, you don’t lose the money you put into the account that you don’t use. Basically if you never used any of that money in the savings account you could withdrawal or roll it over into another vehicle once you turn 62 1/2 penalty free to be used for retirement. This is a viable option for some people, however for many the premiums for these plans are still too expensive, and the problem remains that if you need major treatment in the first few years of the policy you will not have a big enough amount in the savings account to help cover the gaps leaving that person responsible for a large portion of the cost out of pocket.
Now we come to what I believe is one of the biggest problems from a health insurance agent’s point of view, which is the inability for persons with pre-existing health conditions to obtain coverage. From the number of people that contact my office searching for health insurance coverage, I would have to say that about half of them have a health condition that will either result in an insurance company declining that persons application, or result in an amendment rider which basically excludes coverage for any claims related to that condition. An example of a condition that I run across constantly is hypertension or high blood pressure. This condition will sometimes result in a company declining an application all together if other factors are involved, but most generally result in an amendment exclusion rider. You may think that this isn’t that big of a deal, after all, blood pressure medicine is about the only thing they would have to pay for out of pocket, but what many people don’t realize is that this rider will exclude ANYTHING that could be considered part of this condition including heart attacks, strokes, and aneurisms which would all result in a huge out of pocket claim. Consider the fact that my father had a double by-pass surgery recently that ended up with a final bill of around $150,000. This whole amount would have had to come out of pocket had he had a hypertension rider on his health insurance policy, not to mention the added cost of 2 months off of work thrown into the mix. On a modest income of $40,000 per year this would have ruined him financially.
So what how do we fix this problem? Obviously the proposals thus far have been flawed from the beginning, and even if one of these plans gained support from the American people chances are it would never be passed into law simply due to political infighting. One side wants to keep health care privatized while the other wants to socialize it, which as we discussed before both have upsides and downsides. It seems that we are doomed on this issue and there is no real ideas or light at the of the tunnel right? Maybe not, let me tell you about a client I had in my office a couple of years ago.
A young woman came in wanting to compare health insurance plans to see if there were any options for her and her family. She had several children and had been on Title 19 Medicaid and had been going to college paid by the state. She had recently graduated from college and had gotten a job with the local school system, however for whatever reason she was not eligible for health insurance benefits. Obviously she still couldn’t afford 5 or 6 hundred dollars per month for a plan so she went back to the aid office and explained her situation. They ended up working with us to find an acceptable private health insurance plan and reimbursed her for a percentage of the cost which I didn’t even know was possible!
This got me thinking, consider how many more people would be able to obtain coverage if they could be reimbursed by the government a percentage of the premium according to their income. For example; take a young married couple in their 20′s with one child, let’s say that their family income is $25,000 and that the average premium for a $500 deductible health insurance plan for them is $450. Just as an example let’s say that the government determined that a three person family with an annual income of $25,000 is reimbursed 50% of their premium taking the actual cost to the family to $225 per month. This is now an affordable enough premium for the family to consider.
With this merging of private insurance with government assistance we get the best of both worlds. Of course the next question goes to cost, how much more would this cost the American tax payer and how much would this raise taxes? I don’t think that it would cost the tax payers much more an here’s why I think that: First off we would bring down significantly the amount of uninsured people that are unable to pay for the medical care they get in turn driving down the total cost of health care. Secondly the number of people that are forced into bankruptcy and driven to Medicaid Title 19 assistance due to medical bills stemming from catastrophic medical conditions that don’t have health insurance coverage would be significantly reduced. This is important to keep in mind considering that once someone is on Medicaid they are receiving health care basically 100% covered by the government so there is no more incentive to not seek treatment for minor or non-existing conditions. On the flip side many conditions that would have not been caught before they became severe because a person didn’t seek treatment due to not having insurance coverage would now be caught before they turned into a catastrophic claim. Finally, if the government allocated a certain amount of money to help cover claims by people that have pre-existing conditions the private insurance companies could do away with exclusions and declines due to already existing health problems, this is already done is some states such as the HIPIOWA Iowa Comprehensive Plans which insures Iowa residents that can not obtain coverage elsewhere.
You may be sitting there thinking that this is all just wishful thinking and that these ideas could never be implemented, but all of these ideas are already being implemented. The problem is that only some states do some programs and not even most health insurance agents know that some low income families can get reimbursed for health insurance premiums. If these programs were all standardized and put into effect on a national well publicized level I believe it would put one hell of a dent in the uninsured population in this country. Now I don’t pretend to know what the reimbursement levels should be for what income levels but I do know that anything is better than nothing, and in my opinion this is the best middle ground we could find. The Democrats would be happy with the socialized aspect of the reimbursement, and the republicans should be happy that health care remains privatized giving this solution a better chance at a by-partisan backing.
I have faxed this idea to several senators and congressmen but always received the same type of standard response about how they are concerned with health care and that they are working hard to find a solution knowing full well that no one really even read my letters. The only way to get these ideas out into the public is for you that read this to pass it on to others by word of mouth, by email, or by linking your websites to this webpage. If enough buzz is created than these ideas would get the consideration that they deserve, and if enough people like you and I demanded that a solution be found than perhaps enough stress can be placed on the politicians to get something done. The number of uninsured Americans is only going to go up, the cost of health care is only going to go up, and the cost of health insurance premiums are only going to go up if something isn’t done now! Until then the only thing that I as a health insurance agent can do is to compare all of the options out there and present you with the lesser of all of the evils, which in too many cases the option that is chosen is the biggest evil of going without coverage.
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Posted by Carl on Jul 23, 2009 in
Good Going
Are you in over your head in uncontrolled debt? If you are then you know that downing in debt is not a good place to be. Debt can control your life. You write a check for your credit card and loan bills every month like clockwork, but do you know how much of that money as actually going to the interest and fees and how much is going to your principle. Banks are most certainly charging you a lot to use there money, and if you think they aren’t you are just kidding yourself. The banks are more or less in charge of your financial life as long as you owe them money. Imagine what you could do with the money you send to pay those debt bills every month. Now is the perfect time to learn how to pay off debt.
Is This a Good Time to Have Debt?
That last sentence might have you baffled. Is this really the best time to pay off debt? I know the economy is not doing well right now and it would have been better to have all that debt paid off before we started to hit hard times. If you had done that you would not be here reading this article right now. You are here because you desperately need to know how to pay off your debt. If you are now at the point that you are determined that giving all of your hard earned money to financial institutions needs to stop then this is in fact the perfect time to pay off all that debt.
I know that many people that are reading this today might not be able to pay off there debt right now because of job loss or underemployment. I truly understand how that can be, I have been there. If you are barley able to afford feeding your family ramen then you need to work on the income situation before you can really start getting rid of the debt situation. You should also spend a little time learning as much as you can about how to get out of debt and committing yourself to it.
Posted by Carl on Jul 23, 2009 in
Good Going
Even with fresh comforters, sheets and drapes, your quarters would still lack of pizazz if you don’t have the identical pink satin bedskirt.
Bedskirts are best explained as the hanging sheets that hide all four corners of the bed. They are positioned atop the box spring below the mattress and hang floor level. Also identified as dust ruffles, bedskirts are brilliant in concealing mess underneath the bed. Its main point, aside from adding sophistication and style, is to lessen dust from accumulating beneath and around the bed.
Dust ruffles are sold in myriad patterns, colors and prints. Silk, satin, velvet, and micro suede are available if you love the high-quality things in life. However, there are also simple ones like matelasse and chenille. To maximize the effect of the bedskirt in your bedroom, make sure to select one that harmonize with your present decor and sheets. If you want to go for more tailored and masculine look, opt for a pleated bedskirt in strong, solid colors. For a something fun and carefree, choose a bedskirt that has striped or circled prints. There are also lace, eyelet, and ribbon adorned and ruffled bedskirts for that ultra feminine look.
When browsing for bedskirts, take into account your existing bed sets of comforters and pillowcases. The bedskirt should match them. Also, make sure that you integrate the look of your current bedroom decors as well. You don’t want anything to look out of place in your effort of making over your room. If your mattress size is king, buy the appropriate bedskirt for that. But ensure that the measurement of the bedskirt is equivalent to the height from your room floor to the top of your box spring.
There are numerous brands and designs to choose from online. A particular bedskirt vary from cost, look, sturdiness and washability. Make sure you select the right one just for you.
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