A Health Savings Account Or HSA Medical Plan Offers Significant Tax, Premium, & Retirement Savings

Opening a Health Savings Account today in partnership with an HSA qualified health insurance policy is what anyone should wisely consider as a smart alternative to continue paying for a traditional health insurance plan. Medical Insurance is the newest form of an investment vehicle that offers any person or business tremendous financial & tax benefits. Once you see the picture, understanding HSA health savings plans is very easy. Please read on and take an opportunity to become informed right now.

Since first being signed into law in December 2003 by the Federal Government, Health Savings Account (s) (HSA medical insurance plans) are already a proven success & the number of people switching to HSAs from traditional health plans is growing greatly each year. HSAs are here to stay & a few million people have already come on board. Health Savings Account Plans are literally available today to any person over 18 in the United States. HSAs offer significant financial benefits including tax, premium, & retirement savings for you, your family, and/or your business. Knowledge is power when it comes to your finances!

A Health Savings Account enables you to:

1) Have access to a wide PPO network and in most cases provides the coverage to allow you to continue seeing your current doctors & specialists.

2) Lower your health insurance premium by 25% – 50%. to accomplish this, be sure to fully compare health insurance plans. One can typically save between 80 to 250 dollars per month when they change their plan over from a traditional health insurance plan to an HSA qualified high deductible health savings plan. Now make sure to forget any preconceived notions you may have about having a high deductible. Do not pay attention to what you may have heard. Don’t be deceived! Although you’ll now have high deductible insurance, there are safety nets that will be there to catch you if & when the need arises.

After your HSA is setup, the first step to take is to place money you save from having a lower monthly premium and place it into your new Health Savings Account each month. Realize that doing this really doesn’t cost you anything; you are simply transferring the money you have just saved into a new location.

3) Next, enjoy IRS created triple tax advantages (see the “a-b-c” listed below) that HSAs uniquely offer. Reduce your annual out-of-pocket income taxes up to $1800 or more. You’ll save EVERY year on taxes from here on out. Below are your three main tax-saving pillars.

a) HSA Contributions (deposits into your HSA account) are 100% tax free

b) The interest on all of your account investment gains are also 100% tax free. The choice of investments is yours and range anywhere from low-interest, virtually zero risk bank rates to the widest range of stocks, bonds, & mutual funds. The level of risk is entirely up to you and you can modify it anytime.

c) Make 100% tax-free withdrawals for any HSA Eligible Expenses.

While your funds grow tax free, you are now building a significant retirement account of up to several hundred thousand dollars. If you must use the money to cover any part of your deductible, you can make a tax free withdrawal and use the funds. These benefits & factors discussed above diminish the impact of having a high deductible plan. Furthermore, realistically there will often be periods of time where your money is solely growing because you have no medical expenses.

Here is another benefit. The Internal Revenue Service (IRS) rule says that at age 65 the money from your Health Savings Account can be withdrawn penalty-free for any reason, not only for qualified medical expenses. At that time you will pay only regular income taxes if you do not use the funds for medical expenses. The good thing however is that your income during retirement generally goes way down. Your tax rate will follow & you’ll be paying lower income taxes. Of course the funds may continue to be used entirely tax free for HSA eligible expenses.

Finally, take comfort as that the funds in your HSA-account are always yours without exception, and they rollover 100% from year to year. You are permitted to even do a one time rollover from an IRA into a Health Savings Account without any penalty, if you choose.

And yes … you may continue fully contributing to your IRA every year while still making the maximum allowed HSA contributions. Having both types of retirement accounts is the ultimate scenario, but if you can only contribute to one type… I would certainly recommend the Health Savings Account. This is because HSAs unlike IRAs are more than solely a retirement savings vehicle.

The straight truth is that many people are still rather unclear about HSA Health Savings Plans and what they truly accomplish. Too often, an individual or business’s insurance broker has not kept them properly up-to-date on all the benefits available to them. Remember that although every agent & broker is obligated by a legal fiduciary duty to serve his or her client’s best interest at all times, this duty is typically not policed or enforced by the Department of Insurance. It is not that the agents/brokers lack competency. But truly, what incentives do they really have to educate their clients on HSAs if doing so will lower their commissions? Not much of one. But who loses….YOU!

Last but not least, although the health insurance companies are legally obligated to offer HSA health savings plans in their product lines, they are not going out of their way to promote & publicize the full advantages of HSA plans. Doing so would also lower THEIR profits.

You are probably now realizing that as an insurance consumer, you really must take matters into your own hands and become accurately informed. Despite what you may have heard, HSAs are actually beneficial to anyone, not just the wealthy, or only people nearing retirement age. Regardless of income level, if you pay for health insurance, you owe it to yourself to consider and compare the benefits of an HSA health savings plan versus the more traditional health plan you are probably accustomed to. The expert advisers at HSA Health Savings are on a mission as millions of folks and their families are missing out on the tremendous financial benefits that are so readily attainable RIGHT NOW. We are thrilled because the benefits of health savings plans can literally transform the financial portfolio of people just like YOU.

Selecting the Best Pressure Washing and Power Washing Equipment for Car Washing and Auto Detailing

Car washing and auto detailing professionals seeking commercial grade pressure washing and power washing equipment must evaluate the various technologies on the market while critically examining features and components. Only then can they begin to select the best pressure washing machines for their particular applications. Many in the car washing and auto detailing industry often make a mistake by selecting low-priced, under-featured power washing equipment that will absolutely not last. Pressure washing equipment pricing is a consideration, but not at the risk of negatively impacting quality and performance.

Unfortunately, many feel pressure washing and power washing machines are similar, but that could not be further from the truth. Retail stores like Lowes and Home Depot offer a variety of pressure washing equipment, but the reality is the system components, motors, pumps and other parts are just not designed to for heavy-duty usage over time, especially when one considers car washing and auto detailing. Logic rules when the one compares the pricing of one of these light-duty power washing machines to commercial and industrial pressure washing systems selling for hundreds and even thousands of dollars more.

Commercial pressure washing machines are excellent for the car washing and auto detailing industry and sold in a variety of configurations and technologies. A car washing or auto detailing business can purchase a cold, hot, or even steam power washing machine powered by electric, propane, gasoline, and even diesel technology. The pressure washing machines’ psi and flow rate will also impact car washing and overall auto detailing performance and cleaning results. The best pressure washing and power washing equipment can last for more than twenty years.

Professional car washing and auto detailing work should involve hot water power washing equipment as the goal is to wash cars and vehicles more quickly and effectively. Cold pressure washing systems simply lack the higher temperatures that are so necessary to help clean the car surfaces more deeply and dissolve substances more quickly. Only higher temperature power washing machines are capably of delivering that kind of performance.

Certainly, auto detailing and car washing success is dependent upon the customer’s satisfaction with the cleaning job. Pressure washing and power washing cleaning chemicals are a critical aspect of any car washing and auto detailing business, but the type and safety of the chemicals is important as well. The EPA closely monitors the car washing and auto detailing industry to help ensure runoff is captured without pouring down storm drains. Car washing and auto detailing professionals must employ whatever systems are necessary to ensure regulations are met, or else the EPA will impose stiff fines.

Green cleaning chemicals and solutions have become the buzzwords in the car washing and auto detailing industry. Be very careful to carefully review and evaluate the green cleaning chemicals presented to you to help ensure they perform as well as the vendors claim for your car washing and auto detailing business. The car washing and auto detailing industry is laden with traditional cleaning chemicals as well as the more popular green cleaning chemicals, but many do not work well. Your task is to weed out the good from the bad before making a decision. Nano technology is the latest offering in green cleaning chemicals and will make a dramatic impact in the car washing and auto detailing industry.

Your car washing and auto detailing business may require the use of electricity rather than fossil fuels to power as well as heat a power washing machine. Many in the car washing business wish to use pressure washing equipment with a lower flow rate, especially if drainage is a consideration within their facility. Fortunately, all electric, hot, low flow, high pressure washing equipment is available on the market to meet your needs. Often these high-performance power washing machines require a minimum of 220 volts of power, so you may need an electrician to make the necessary changes within your facility.

Make an informed decision before purchasing pressure washing and power washing machines for your car washing and auto detailing business. Your customers’ satisfaction and the success of your operation depend upon it.

Cheap Travel Made Possible – Some Useful Tips on How to Reduce Travel Expenses

Going away on overseas trips and holidays is a popular pastime for many people who wish to occasionally get away from the stresses and worries of everyday living. The unpredictable economy and spiraling costs of travel may however deter many budget travelers and families from even thinking about enjoying a short break in a neighbouring country. Spending some time on researching means of saving on travel is thus essential to enjoy great travel savings on a regular basis.

The process of saving on travel costs encompasses your entire travel cycle, from the planning stage which involves arranging your lodging, transport and destinations to taking conscious money-saving measures in your destination itself. I shall now dispense some helpful and easy-to-follow cheap travel tips which are guaranteed to help you enjoy substantial savings off your travel expenses, thus even enabling you to go on more regular holidays with the money you save.

If you are in a dilemma regarding which destinations to visit, why not choose a destination that is less popular with visitors and thus perfect for cheap travel? You need to first have a flexible mindset and not just stick to the popular destination choices.

The less-traveled destinations are typically located further from high traffic tourist hotspots, allowing you to broaden your horizons and enjoy cost savings at the same time. Travel guidebooks and websites would be ideal resources for you to find out how you can stay, eat and enjoy yourself for cheap in these locations.

After deciding where you wish to travel to, you may be wondering when you should place your reservations for your accommodations and airlines to get attractive deals. Generally, an advanced booking is advisable for most travelers, especially if they have to travel on a specific date or during a busy travel season. This is to avoid a situation where other travelers rapidly snap up the most affordable air tickets and hotel rooms, thus forcing you to settle for more costly alternatives.

On the other hand, off-peak travel may leave airlines and hotels with many unoccupied seats and rooms respectively, compelling them to offer fantastic last minute deals to travelers which you can take advantage of if you wait till the eleventh hour to place your booking. In any case, it pays to be flexible with your travel dates as more attractive deals are likely to be uncovered if you run a search for cheap air tickets and hotel rooms for several different dates.

Having arrived at your destination, arming yourself with some general money-saving tips will help you avoid spending more than you should. Taking public transport is often recommended to get around your destination and considerably cheaper than riding in a taxi or driving a rental car. Taking a walk is also a good way to exercise and soak in the colorful sights at the same time.

High meal costs can also be a problem, hence eating with the locals at inexpensive places such as street stalls instead of restaurants could be the solution. You may even find an unexpected source of savings in the form of discount coupon booklets which can commonly be found in your hotel room. Using these will help you save on food, entertainment and even sightseeing in the vicinity.

An Online Health Food Store Supplies More Info For Consumers on Natural Products Like Health Drinks

Online Health Food Stores have become a one-stop shop for health drinks and all natural foods that you can’t find in typical supermarkets or even retail health food stores. While it’s difficult these days to determine what items are really healthy and “natural” by looking at labels, online health food stores often have far more in-depth information available to consumers. Many times, products like health drinks may have only one natural ingredient, but still be labeled, “natural”, which does not always mean they’re healthy. This can be confusing for health conscious shoppers who want the highest quality nutrition.

Online health food stores are often much more thorough in describing the true nature of their health drinks and other products. They go to great lengths assuring customers that things like preservatives, isolated vitamins, artificial dyes or sweeteners are not included in their all natural foods and health drinks. They investigate the manufacturing facilities and processes to be certain that products are processed at low temperatures to maintain the whole food structures and live enzymes inherent in truly natural ingredients. Unfortunately, some of the so-called health drinks and all natural foods at typical stores are devoid of nutrients because of the processing and pasteurization in the packaging processes.

There has never been a better time to discover a new way of shopping for healthy products. Here are a few examples of things you will find at an online health food store that may appear the same as typical store bought items on the surface, but are vastly different in the way they are processed:

* Vitamins – At the online health food store it is more likely these are whole food vitamins, not isolated vitamins, which will give you more effective absorption of nutrients directly into your cells.

* Natural low carb and high fiber foods – These are not fake-food substitutes, but real, all natural food formulas prepared with long-term results in mind.

* Health drinks and teas – Not enhanced bottled waters or candy colored sport drinks, but herbal beverages with whole food ingredients and live enzymes.

* Alkaline Foods and Drinks – Unlike overly processed foods and drinks that create an acid ash in the bloodstream, alkaline foods and drinks support a healthy pH balance, so you can avoid health problems such as bone weakness and arthritis.

* Nutrition for athletes and pregnant women – Concentrated with many pounds of natural ingredients to produce one pound of finished product, these online health food store products provide more power in fewer calories.

Many of the all natural foods and health drinks from an online health food store are likely to contain ingredients that have been grown on small farms or even in the wilderness, without the use of harmful pesticides and chemical fertilizers that are robbing our foods of real nutrients. This is far different from mass-produced products made with so-called “natural” ingredients that have been manufactured on giant factory farms with artificial fertilizers and dangerous pesticides.

If you wouldn’t use it in your own garden, then you probably won’t find it in products grown for all natural foods and health drinks at an online health food store. You would be surprised to know how many non-organic foods, and even some labeled as “natural”, have been grown that way. The United States Department of Agriculture defines organic food as produced by a farmer practicing soil and water conservation. In addition, they must make use of renewable resources in order to protect the environment for future generations. These are the types of all natural foods and health drinks that you will find at a reliable online health food store.

Today, some people avoid healthy lifestyle choices because they think the cost is too high or that alternative choices will rob them of modern day conveniences. However, it is important to realize that modern technology can bring those conveniences to anyone with Internet access. If you can Google, you can find an “online health food store with all natural health drinks”. Don’t fall into the unfortunate trap of not making the switch because you believe that you can’t afford all natural foods and health drinks without making major sacrifices. It won’t matter if the weather is bad or if you don’t have time to get to the market. It’s easy to order health drinks and other items from an online health food store with more detailed information on what you are buying than you could ever get from a typical store.

As consumers, we know that it is time to restore ourselves with nature. The quick fix and shortcuts that have rooted us in our everyday lives no longer serve us well, if they ever really did. This is not a passing fad. It is a wake up call that you see more and more as online health food store owners are leading the way for a green generation to discover a better way of shopping for truly all natural foods and health drinks.

Performance Auto Parts – The Backyard Mechanic’s 5 Step Guide to Increasing Performance

In today’s market, there are more performance auto parts available than ever before. While finding performance auto parts can sometimes be difficult, finding a perfect match for your car can be immensely gratifying. There is a lot of satisfaction in knowing that you have found the best performance auto parts money can buy, and a lot of satisfaction in knowing your vehicle runs more efficiently because of your personal expertise. As such, the five principles below can help you navigate your way to better fuel efficiency and enhanced performance.

Replacement Auto Parts, Step by Step

1. Weigh Your Priorities

Before deciding which performance auto parts to install, consider the equipment and skill set required for the job. It’s also wise to determine the amount of time and energy you want to commit, especially in relationship to the anticipated performance benefits. While many performance auto parts can easily be installed by the do-it-yourself mechanic, larger jobs often require specialized tools or equipment. For instance, fuel injectors can be quite an undertaking for the backyard mechanic, requiring both special equipment and substantial labor time. In contrast, performance auto parts like high-flow air filters and rapid-fire spark plugs require less of both.

2. Consider Alternatives and Implications

Given the great interrelatedness of performance auto parts as far as how they function together to increase performance, it’s important to look at the entire picture in regards to how one part may affect another, and ultimately the final outcome.

Consider the “horsepower” example:

Some performance auto parts can result in great gains in horse-power indeed. Some of these performance auto parts include camshafts, high flowing cylinder heads, nitrous oxide, etc. However, adding parts that result in smaller gains can often times provide a greater payoff in the long run. A high-flowing fuel pump, for example, may only result in a small immediate horsepower gain, but if you have the foresight to know you’ll be planning on adding a larger throttle body at a later time, you can be confident that the high flow fuel pump will be well worth it. These performance auto parts work in sync with each other, as most all auto parts do; therefore adding one without the other may not provide the best possible benefit.

3. Measure Performance Gains

Adding performance auto parts incrementally is a great way to analyze your performance gains without overextending your budget. By installing one part at a time, you can attain a more isolated and precise view of the horsepower gains yielded by each part. Incremental installation also provides an easy track-back method for uncovering operational problems. If issues arise, the latest installation can be a likely starting place.

4. Observe Best Practices

Although some performance auto parts can increase you fuel efficiency as well as your horse- power, their effectiveness will be markedly reduced in the absence of some basic best practices and common sense caution. To boot, a more efficiently operating vehicle will last longer if you keep it well maintained. Be sure to regularly change your oil and air filters, and keep your foot off the gas where possible.

5. Replace Your Factory Parts

This step is optional, but is certainly a factor worth mentioning. The inevitable reality is that, due to regular wear and tear, parts will need to be replaced. This scenario presents an opportunity to not only repair your vehicle, but increase its horsepower by upgrading to performance auto parts in lieu of regular stock parts. The cost difference is generally minimal, and because performance auto part manufacturers like to stay competitive, they’ll generally create parts that are higher in quality than factory parts.

With the Current Stock and Credit Market Crises, Investment in Real Estate Will Make Even More Sense

With the current financial crisis pervading stock markets in the global economy, real estate once again should be looked at as a serious, long-term investment strategy that can help investors further diversify their investment portfolios in the future. The reality is that the current stock market malaise that has decimated so many long-standing financial institutions and subsequently stock investments and 401Ks is not the only major stock market troubles we have seen in recent times. Arguably, there have been as many as three “bubbles.”

The dot-com bubble and decline of the stock market helped push investors into other markets where money was cheap and regulations loose. Because of lax oversight and inaction, the housing bubble was allowed to form. The oil market represents a bubble to many as the cost of a barrel of Brent crude went from $100 per barrel in February 2008, to a high of $145 per barrel by July 2008. Brent crude is now trading under $60 per barrel.

Going forward, there are two very real concerns for investors. First, many may be looking at the performance of stock investments over the past eight years and calculating what their true return from those investments has been. Second, many will be asking if their investments can sustain another severe market imbalance in the future. In effect, they are wondering as to where the ‘Fourth Bubble” will come from.

All of this gives credence again to having an even broader diversification of investment portfolios. As a result, real estate should once again be seriously looked at as part of an investor’s diversification strategy for several reasons.

  • First, property valuations have fallen considerably from market highs. Prices in some markets have dipped to 2004 levels. In some instances, prices have dipped to 2003 levels.
  • Second, real estate has intrinsic value. Unlike stocks and financial-related investments that can see depreciation in their worth down to zero, real estate has inherent value down to the land and will not experience a wholesale collapse in its value to zero.
  • Third, real estate is real. It can be seen and touched, and managed closely by the owner.
  • Fourth, real estate has certain tax benefits that can contribute to the overall performance of the property as an investment.
  • Fifth, a successful rental property as an investment presents an opportunity to create a revenue stream and/or create equity in the home as the renter indirectly is contributing to payment of the principal over time. Regardless of the market and whether appreciation or positive-cash flow rental income is preferred by the investor, the principal is being paid down on the property.
  • Lastly, based on proposals floated by President-elect Obama, we should expect additional legislation that puts guidelines, regulations and accountability in this industry that ensures proper lending practices and reduces the risk for rampant speculation that has battered the markets in recent times.

Of course, there are certainly risks to holding real estate as an investment in your portfolio. For instance, there may be unexpected property repairs, assessments, or other extraordinary costs that the investor has to incur. So, an investor has to look at real estate also as a business with income and regular and extraordinary expenses.

For those investors that are looking for a simpler way to be diversify without the additional headache, a REIT may be a logical avenue to investigate. A Real Estate Investment Trust is a company that invests in income-generating properties to drive returns for its investors. The income-generating properties may be apartment buildings, industrial and commercial properties. REITs allow smaller investors the ability to invest in larger real estate operations that they wouldn’t be able to otherwise. REITs also should be able to show their overall historical performance to investors.

Again, investors are faced with the question of how to protect and grow their assets in the future. The stock market’s high level of volatility in recent years has many investors questioning the percentage concentration of their portfolios in stocks and similar investments. As a result, the pressure to further diversify those portfolios will mean that other asset categories will have increasingly greater appeal and should be considered for investment.

Overall, real estate presents a great opportunity once again for the long-term investor as outlined above. In addition, the incoming administration has put forth numerous proposals to improve transparency, implement sound business and ethical practices to the industry with the singular purpose to eliminate the probability of a similar crisis ever occurring in the future. All of this will work to give investors options once again for a safer, more consistent and calculable return in the coming years.