Health Insurance Bankruptcy - A Common Dilemma

Medical bills are the leading cause of bankruptcy, according to a Harvard University study, which also showed that more than 75% of those who declared bankruptcy because of mounting medical bills had health insurance at the start of their illness.

These days, the word "insurance" may be a misnomer. Health care coverage no longer insures that the bulk of your medical costs will be paid. The safety net that medical insurance provided in the past has become riddled with holes so large that many people are falling through, leaving them nearly as vulnerable as those without insurance. These people are considered underinsured.

Two reasons for the recent upsurge of people who are worrying about health care costs and struggling to pay their premiums, even if they are employed and have health benefits through work or are eligible Medicare are below.

First, health care costs are rising at twice the rate of inflation and most Americans can't keep up. Bigger chunks of a person's income now go toward paying for insurance and treatments. Prescription drugs can be costly also.

Second, employers are passing more of the financial responsibility for health care onto their employees. In an attempt to save money, employers are switching from comprehensive coverage( broad contract that provides coverage for almost all types of medical expenses, with a few internal limits, and usually subject to a small deductible and coinsurance), to high deductible coverage. The result is that employees bear more of the cost. Premiums for health insurance through employers increased nearly 8% in 2006.

With the cost of maintaining health skyrocketing, consumers are desperately seeking ways to keep out-of-pocket costs as low as possible. Unfortunately, some options look good at first glance, but could end up further emptying your pockets. One way you can ease your worries is to fund your own health care by putting money in reserve. There are two ways to do this. Flexible spending accounts and health savings accounts (HSA's)..

Flexible spending accounts allow you to set aside money from your paycheck before taxes are taken out and use the account to pay for medical expenses throughout the year. Because you lose whatever money is left in the account at the end of the year, flexible spending accounts work best for known recurring expenses, such as regular prescription costs.

A health savings account works somewhat like a long-term flexible spending account, enabling you to save for medical expenses on a tax-free basis, but you also must have a HSA qualified high deductible health plan. Anyone younger than 65 who buys this type of policy can open an HSA. You cannot be enrolled in Medicare, however, or covered by another insurance policy that isn't a qualified high deductible plan. Contributions to HSA's are limited and adjusted annually. Unlike with a flexible spending account, the money in an HSA is yours and can be rolled over and used in future years, and even grow through investment earnings.

For more information about health insurance bankruptcy, try visiting http://www.bankruptcy.get-the-info.net or http://best-insurance-quote-online.com

Skin care forums

How To Download Games For PSP

It's always really annoying when you buy a PSP game that you think you're going to like, but when you get home and try it out it's not quite what you were hoping for.

Have you ever wanted to be able to play some PSP games before you bought them to see if they were any good?

Most people would like to be able to do this, but they have no clue about how to download games or where to download them. Well, it's actually easier than you might think.

One note, though, before you can play any downloaded games you have to downgrade your PSP to handle them. You can find out more about that below.

There are a few ways you can download games. One of the easiest is to sign up for a game download site, but you can use torrents to get them yourself. If you know all about routers, opening ports in firewalls, and seeding, then torrents may be for you. If none of that makes any sense to you, just check out a download service. Our link at the bottom will lead you to more info on that.

After you find and download the PSP games you want, the next step is to plug your PSP USB cable into your PSP and your computer. Go the the root directory on your PSP then make a folder called ISO. Unzip the game files, then copy them to the ISO folder. (Note: This is for PSP games only. If you have downloaded a PSOne game it would go into the PSP/GAME folder.)

After that, play some games and have fun!

Hi, I'm Mathias Drake, and I love to play games on my PSP. So, you'd like free, detailed, step-by-step guides to downloading games, music, or movies to your PSP? And you'd like to know which download service is best? I highly recommend that you get on over to http://www.psp-monkey.com

Free Online Games at GamingBooth

Gaming Booth is a great free online games arcade that offers over 5,000 games. My favorite game is Onslaught 2. Check out the site and see which game is your favorite.

How to Reverse the Zero Profit Spiral

Congratulations for taking the time to review, learn, and act on what you're about to discover from this here. The operative phrase here is "to review, learn, and act". If, after reviewing and learning what I'm about to share, you fail to act by taking the steps needed to realize the financial results you're looking for, then let's face it, you will have wasted one of the most valuable resources that there is...YOUR TIME, AND you'll be no better off financially for having read this report than you would be had you not read it.

If on the other hand, you do review, learn, take action you'll know exactly how to achieve the positive financial outcome that you've been looking for online. With that said, let's begin...

All business systems work on the same fundamental model of
Input -> Process -> Output

Consider the business process for any money making system (online or offline)
Input Process Output
Business Owners -> Invest to Acquire Goods and Services -> Goods and Services for Sale
Marketers -> Generate Interest in Goods and Services for Sale -> Consumer Interest
Interested Consumers -> Buy Goods and Services for Sale -> Business Owner Income
Business Owner Income -> Pay Business Expenses -> Profit to re-invest

Why is this model important for you to understand?

Because it illustrates some obvious but nonetheless significant points of truth when it comes to making money online or offline:

1. Business Owners use THEIR money to acquire and produce goods and services for sale

2. Marketers earn THEIR money through commissions from the sale of goods and services

3. Business Owner Income resulting from goods and services for sale being purchased is what pays marketer commissions and produces profit to reinvest in more goods and services

And the process repeats.

Now, I'd like you to notice something with regard to the business system model.
Notice WHEN everyone gets paid. Everyone gets paid WHEN an Interested Consumer makes a purchase. When an Interested Consumer makes a purchase the result is a Sale.

There's NO Secret.
There's NO Magic Button.
There's NO Whiz-Bang Technology.

Bottom Line: No one makes ANY money until a sale occurs.

As a business owner, the income from the sale of goods and services is at a price point sufficient to do the following:

Recover your initial investment, so you can re-invest
Pay commissions to marketers
Make you a profit to live the lifestyle you choose

As a business marketer, you have no investment to acquire and produce the goods and services for sale; however, you likely have expenses associated with advertising the goods and services for sale to potential consumers, and with the cost of being a marketer. Therefore, your commission from the sale of the business owner's goods and services that you represent must be sufficient to do the following:

Recover your costs to advertise to consumers (Just as the owner recovers
his/her initial investment)

Pay expenses associated with being a marketer (Marketing system, Continuing
Marketing Education) (Just as the owner pays commissions)

Make you a profit to live the lifestyle you choose

Now, it's important to notice here that the business owner passes the cost of advertising to consumers along to you the marketer, and as should be obvious by now, if the commission you receive on a sale is not sufficient to do all three things listed above, then what happens? Here's what happens...

YOU SLOWLY GO DEEPER AND DEEPER INTO THE DEBT HOLE UNTIL YOU GET FRUSTRATED AND COMPELLED TO TRY A NEW PROGRAM, ONLY TO HAVE THE SAME THING CONTINUE TO HAPPEN AGAIN AND AGAIN...WHY?

Because you fail to consider to two key things:

Revenue - the total amount of money for goods or services sold during a given time period.

Profit - The positive gain from a business operation after subtracting for all expenses.

So, if you never understood before
WHY most fail to make any significant cash online?
WHY most give up and jump to another program when the latest one isn't
working as expected?
WHY the latest and greatest system isn't doing it all for you like you thought it
would?
WHY you can never seem to make any SIGNIFICANT money even though
you're making a few sales?

Now you know...its THE PROFIT FACTOR.

So, if you've followed what I've presented so far then hopefully you've had an "AH HA!" moment.

AGAIN WHY?

Because NOW you should understand the following:

1. MAKING MONEY SIMPLY MEANS YOU'RE GENERATING REVENUE
2. IF ALL YOUR REVENUE GOES OUT THE DOOR TO COVER EXPENSES
YOU HAVE NO PROFIT
3. IF YOU HAVE NO PROFIT YOU HAVE NO POSITIVE CASH FLOW
4. WITHOUT POSITIVE CASH FLOW YOU HAVE...ZERO, NOTHING, NADA,
ZILCH!

So, how do you turn things around?

Here's how...
First, consider who's really cashing in every month from the program you're promoting. Is it the Business/Affiliate Program Owner (BAPO)?
OR
Is it YOU the Business/Affiliate Program Marketer (BAPM)?

THE ANSWER?

Well, if you said the Business/Affiliate Program Owner, you're right! WHY?
Because the Business/Affiliate Program Owner after recovering his/her initial
investment which can be reinvested again and again to drive the business cycle, any money left over not used for business reinvestment or to pay commissions is what...you guessed it...PROFIT.

What's more, because the BAPO likely has a small army of affiliates generating
revenue for him/her, in a given 30 day period the BAPO realizes profit from multiple sales, and if the BAPO effectively manages his/her costs, then KA-CHING, KA-CHING!

IS THERE A WAY FOR THE BUSINESS/AFFILIATE PROGRAM MARKETER TO CASH IN?
Absolutely! The Business/Affiliate Program Marketer can make an absolute killing by doing 3 simple things.

There are 3 things that the Business/Affiliate Program Marketer can do to reverse the ZERO PROFIT SPIRAL!

1. Focus on monthly revenue (sales commissions) exceeding monthly expenses
(advertising, marketing system, continuing marketing education costs)
2. Apply effective cost management and use profit centers to earn from
everything you do.
3. Increase your commission per sale.

Wayne Brooks is an Affiliate Blogging Expert, a Guerrilla Information Marketing Certified Trainer, and Founder of YourOnlineBusinessAdvisor.com's Affiliate Blogger Network, a community for Bloggers and Internet Entrepreneurs seeking profitability through affiliate marketing. Feel free to distribute this article in any form as long as you include this resource box. Discover more ways to monetize and profit from your blog using Atomic Blogging and Affiliate Marketing by visiting http://www.YourOnlineBusinessAdvisor.com

Dirtbike Game

Dirtbike Game has been a great addion to GamingBooth. It's a fun and hard game that you will probably find very addicting. All you have to do is make it to the end of the course and you will move on to the next level. The only problem is that your bike keeps tipping over.

This is just one of the many great games featured at GamingBooth. We will be writing about more soon!

Making Gold With Enchanting in the World of Warcraft

Enchanting is one profession where you will make gold off both the mats and some the enchants, once you reach a high level, that is. When you are a low-level enchanter, you can suck up all the green items you can find to disenchant. When you do this, you will get mats in return, such as: small glowing shard, greater magic essence, and so on. While you can always sell them, it's best to get the highest stacks possible before you do. This will always bring you a ton of gold in quick, as people would rather spend a little more for a stack of 20 than they would for a smaller stack of 9 or 10.

A good way to gain green items is to either A: send them from an alt you have, or B: run one of the dungeons. Once you hit a high enough level to do some of the lower level dungeons alone, you can get some awesome greens to DE (disenchant). RageFire Canyon is a great one to run solo once you hit level 25+ and you will get a ton of green's to DE.

One other major good point about being able to DE items is when you get an item from a quest that you don't want or can't use. Or, when you get a BoP (bind on pickup) item from a drop. You can sell them at a cheap price to a vendor, or you can DE them and triple your cash from these items on AH by selling the mats.

Another great way to gain the items to disenchant is to pick up tailoring as your other profession. This will give you the ability to pick up cheap mats (or grind for them) and create items that will level your tailoring, and then disenchant them for mats for enchanting while you level your enchanting as well. This is the fastest way to level both of these professions and to gain the mats and items that will sell great on the auction house.

But, aside from DE items, there is a high demand for enchants in most of the servers today. Usually, these are for enchants for weapons, and you can make a good tip on them. Just remember the rule from earlier and ask politely for a tip if another player solicits you for an enchant. You will often find that most people will advertise on the trade channel in the major cities which enchant they are looking for, such as a 2H (two-handed weapon enchant) and normally, if they are looking for a specific enchant, they will offer a tip or to purchase the mats sometimes both.

To learn more secrets to earning gold in the World of Warcraft, you can visit: http://www.WoWGoldSecretsRevealed.com

MD Weems has been a professional writer for over a decade and is an avid MMO gamer. She produces thousands of articles each year over a wide variety of topics.