Sunday, December 13, 2009

Bloody Mary

The origin of the drink Bloody Mary is disputed, being said that it was invented by Fernand Petiot in 1920, while working at Harry's Bar in Paris, France, a frequent hangout for Ernest Hemingway and other American expatriates. Another story is that it was originally created by George Jessel around 1939 when Lucius Beebe printed in his gossip column "This New York" one of the earliest references to this drink, along with the original recipe: "George Jessel’s newest pick-me-up which is receiving attention from the town’s paragraphers is called a Bloody Mary: half tomato juice, half vodka."

The epithet "Bloody Mary" is associated with a number of historical figures, and particularly with Queen Mary I of England. It is believed that inspiration for the cocktail was the Hollywood star Mary Pickford as previously, a similarly red cocktail consisting of rum, grenadine and Maraschino had been named after her. Other sources trace the name to a waitress named Mary who worked at a Chicago bar called the Bucket of Blood. In 1934, the cocktail was called "Red Snapper" at the St. Regis Hotel, where Petiot was hired at the time. It was here that Tabasco sauce was added to the drink, and the name "Bloody Mary" eventually won popularity.

The Bloody Mary cocktail is intended to cure hangovers being generally served in the morning. While there is not much complexity in mixing vodka and tomato juice, more elaborate versions of the drink have become trademarks of the bartenders who make them. A common garnish is a celery stalk when served in a tall glass, often over ice. A beer chaser may also be served with the Bloody Mary, although this varies from region to region.

What Is Mesothelioma ???

Mesothelioma is a form of cancer that is almost always caused by exposure to asbestos. In this disease, malignant cells develop in the mesothelium, a protective lining that covers most of the organs of the body. The most common site is the pleura (outer lung lining and internal chest wall), but may also occur in the peritoneum (the lining of the abdominal cavity), the heart, [1] that the pericardium (a sac that surrounds the heart) or tunica vaginalis.


Most people who develop mesothelioma have worked on jobs where they inhaled asbestos particles, or they have been exposed to asbestos dust and fibers in other ways. This also has been suggested that washing the clothes of family members who worked with asbestos can put someone at risk for developing mesothelioma. [2] Unlike lung cancer, no association between mesothelioma and smoking, but smoking greatly increases the risk of another asbestos cancer. [ 3] Compensation via asbestos funds or lawsuits is an important issue in mesothelioma (see asbestos and the law).



Mesothelioma symptoms include shortness of breath due to pleural effusion (fluid between the lung and the chest) or chest wall pain, and general symptoms such as weight loss. Diagnosis can be suspected with chest X-ray and CT, and confirmed with a biopsy (tissue sample) and microscopic examination. A thoracoscopy (insert a tube with a camera into the chest) can be used to take a biopsy. This allows the entry of substances such as talcum powder to eliminate pleural space (called pleurodesis), Yang prevent more fluid from collecting and pressing on the lungs. Despite chemotherapy treatment, radiation, or sometimes surgery, disease carrying poor prognosis. Research about screening tests for early detection of mesothelioma is in progress.


If you have a problem with the disease Mesothelioma and you want to consult about the www.mesotheliomaweb.org please Mesothelioma

Saturday, December 12, 2009

Balancing SEO and Other Forms Of Advertising

Search engines are by and far the largest supplier of traffic to
your web site. Moreover, its targeted, meaning the visitors that
arrive at your site were looking for information that you are
delivering. At least this is the goal of the search engines: to
deliver high quality results to web surfers.

Recent major changes in Google, Yahoo and MSN have put the
internet market however in a frenzy. As the search engines battle
it out to be the one producing the highest quality results by
frequently altering their index algorithm, search engine
optimization has taken an almost obsessive importance.

The problem I see is that the battle is not going to end soon and
repeatedly trying to stay ahead by optimizing after each re-
indexing is truly a never ending battle. A balance must be struck
between search engine advertising and other online venues.

Starting out with an online home business business is
intimidating. There is pressure to build a quality site, offer
valuable information, promote, build subscribers,...and the list
goes on and on. Having a few different forms of advertising that
you slowly utilize can payoff big in the long run. With a market
that can change on an hourly basis, you musn't focus too heavily
on any single form of site promotion.

Think of it as your advertising bag of goodies. You reach in and
pull out one method and give it a try. Don't dump all of your
resources into it. Spread them out. Reach in and pick another,
until you have a few in the works. Now pause and see which is
working. Tweak a bit here and there and sit back again.
Continuously re-evaluating your advertising campaigns, you will
begin to grow a deep feeling as to which works for your online
business.

Here are a few types of advertising for your home business you
should consider:

(1) Classified Ads - cheap and short to write.
(2) Article submission - write an article and post for free.
The rewards reaped can be enormous in the long term.
(3) Paid ads in E-Zines - hit those seldom used small niche
markets!
(4) Link exchange - can you bring in traffic from another
site? You betcha!
(5) Newsgroup and Discussion lists - join in on discussions
and pass out a small blurb about your business at the end.
(6) Sig files - after all your online! Make use of all of the
emails you send out daily.
(7) Flyers - yep, offline!

The bottom line here is not to stagnate. Search engines are
important but not the only way to promote. Its better to balance
your site optimization with other promotion strategies. If one
method fails you at least have others to fall back on.

 CopyRight : Dan J. Fry

Friday, December 11, 2009

Apple Care does not cover smoking damages


By Jameel Murray

Recently an Apple Mac user was denied Apple care insurance due to a smoking condition. Apple Care, which costs over $200, is a warranty that guarantees the repair of an apple device if it malfunctions. One Mac customer was denied insurance service because the device was contaminated with cigarette smoke. Although the warranty does not state that the product cannot be repaired if it contains cigarette smoke, the warranty does state that the company would offer repairs if the product is not considered a biohazard. According to the company, cigarette smoke is considered a hazardous substance that can endanger workers. Apple has stated that it they would not have any employee repair a product that poses as a risk to their health. The moral of this story is to shop around and read into the fine prints of all warranties and insurance policies. Consumers must analyze and research all insurance policies or they may end up on the shorter end of the stick.

http://www.theregister.co.uk/2009/11/22/apple_allegedly_voids_smokers_warranties/

http://www.macmod.com/apple/2020-another-way-to-void-your-applecare-smoking

http://www.softsailor.com/news/12434-are-you-a-smoker-say-goodbye-to-applecare-coverage.html

New Health Care Insurance Attempts

By, Meredith Anderson

For many Americans the idea of health insurance is too far about of their reach to even think of. With the growing demand for modern medicine medical coverage has been increasing to drastic extremes. Without benefits from jobs even more people would not have health insurance due to the increase in price tag in private health insurance.

Much debate over the years has risen due to the fact that since 1998 the average cost of health insurance has nearly doubled! President Brarack Obama has said that the Democratic's plan would in fact reduce the growth of health care costs. Much controversy of whether or not this is accurate has been quite heated lately. A recent report obtained by the Republicans proved there suspicion that the bill will in fact cause health costs to rise as well as take away significantly from Medicare. The new bill would in fact allow for almost 93% of Americans to have health insurance. The bill would also allow for an increase in long-term care. This all sounds perfect however does not come without and hefty price tag. Because of the extreme new demand prices will go through the roof for people that can actually afford insurance in the first place. In order for this to successfully work the government cannot pull all the wait by themselves.



Source:
http://online.wsj.com/article/SB126058555567888547.html
http://www.time.com/time/politics/article/0,8599,1946431,00.html
http://www.usnews.com/articles/news/politics/2009/12/11/senate-healthcare-bill-a-mixed-bag-for-consumers.html

The Value of Insurance

By, Meredith Anderson





Many people have the opinion that insurance is a waste of money. Everyone thinks that it won't happen to them and insurance is just a way for the companies to make a little extra cash. However the importance of any insurance is really something to know about. The way most insurance plans work is that you pay a premium which is a small amount and in the case of an accident of any sort the insurance will cover a much larger cost in return. Its a life line that could save you a couple hundred dollars if you crash your car to a couple hundred thousand if save your house burns down.
What kind of insurance should you get and how much of it really depends on a number of factors. It measures your risk of the incident happening and how much it will cost. First you must decide how much coverage you think you are going to need. After that some other things to consider are how much of a deductible are you willing to pay? Once you have establish those details you will look for an insurance company that fits your needs and values. Its important to visit all your options. A insurance agency will help you through the details of how much you really need and set you up with specific plans that cater to your families needs.
The most common types of insurance include auto, homeowner, and medical. Paying a little each month to protect us from suffering great financial burdens if and when something goes wrong is a small price to pay.


Sources:
http://www.superpages.com/supertips/choose-right-insurance-company.html
http://insurance.bbt.com/insurance/personal/default.html
http://findarticles.com/p/articles/mi_m0DTI/is_1_27/ai_53520548/

Universal Health Insurance Costing More Than Anticipated


Posted by Kenny Hernandez

WASHINGTON (AP) -- Democrats trying to push President Barack Obama's health care overhaul plan through the Senate got a sober warning Friday that costs will keep going up and proposed Medicare savings may harm the program.

A new report from government economic analysts at the Health and Human Services Department found that the nation's $2.5 trillion annual health care tab won't shrink under the Democratic blueprint that senators are debating. Instead, it would grow somewhat more rapidly than if Congress does nothing.

Insurance Advice



By Shawn Chandok

The following list includes advice on insurance for anyone interested in saving money and taking precautions.
1. Invest in Health Insurance: Although President Obama is working on health care reform, do not rely on that happening anytime soon. If possible, get under your parents health care plan and invest in yourself because if things go for the worst, all your hard work on education can be lost forever in hospital bills.
2. Life insurance: Assuming you are a newly married couple with young children, invest heavily in life insurance. The rule of thumb implies you should have at least 5 years of salary to cover your life insurance policy, 10 years if you have children because there is nothing sadder to see a single parent trying to raise a child. On the other hand, if you are single with no relatives you probably do not need life insurance.
3. Consider car insurance when buying a car: Typically, the more expensive the car the higher the insurance. Take this into account when buying a car, and thing about maybe buying a pre owned vehicle. Furthermore be careful when picking the color of the car too, because it is rumored bright colors such as red have a higher insurance cost since they are more likely to be pulled over.
4. Don’t be frugal: Don’t buy the cheapest auto insurance because you don’t think you will get into an accident. Use comparative shopping, and see how much coverage you need.
5. Write a Will: No matter how many times people say this; there are always some whom do not listen. The consequences of not writing a will ALWAYS negatively affect your loved ones.

Source#1
Source#2
Source#3

What Christmas Gift Do You Still Want To Receive In Your Life?





What Christmas gift do you still want to receive in your life?



Tags: Christmas, Gift, Heart's Desire, Blessings, Joy, Love, Good Health, Trip Around The World, Diamond Ring, House and Lot, Brand New Car, Luxury Cruise, Long Life, Happiness, Fulfillment, Success, Fame, Fortune, Wealth, Prosperity, Abundance, Peace On Earth

Posted by: Mel Avila Alarilla
Philippines
Viewpoint/Opinion

Expansion of Medicare, Good or Bad?



By: Nicole Nelson


Medicare could be changing and changing soon. Some people are very enthusiastic about the idea, others, not quite the case. Washington (specifically the Senate) has been weighing options about expanding Medicare to people aged 55 to 64. Although this seems like a great idea, a large amount of people in these age ranges may not be eligible, and those who are might be paying more than expected. The original idea of expanding Medicare coverage started when the health care debate started. This step to expand Medicare was to appease the liberal push of a “public option” for health insurance as part of the reform. Currently, Medicare rates range from $110 to $353 a month. These premiums depend on the individual’s income. If Medicare was expanded, it would be expected that the premiums would be around $633 a month totaling about $7600 annually. The reason for the difference in premiums is that Medicare as it is now is federally subsidized. The expansion would not be federally subsidized until about 2014, about 5 years from now. Although this seems to be very expensive, if someone does qualify for this expansion, they probably should take advantage of it considering it is very hard for people in this age range to get health insurance. Again, another problem arises with cost because about half of the uninsured people aged 55 to 64 have incomes below $29,000. So although this plan may sound terrible in some aspects and great in others, I believe it depends on the individual and whether or not they can afford this, or need this plan at all.




Cruise Shipping in the Caribbean

What can you say about living in luxury in a floating building, in the middle of the ocean? Me, personally, even though I haven’t tried yet such a vacation on a cruise ship, I would gladly enjoy it. But the first journey has to be, for sure, across the Caribbean Sea.

It's very easy to find reasons for which people take more cruises to the Caribbean than anywhere else in the world: a warm climate, thousands of beaches, great shopping at duty free prices and incredibly clear seas teeming with marine life. All of these make this part of the world a perfect cruise vacation destination.

But the big question is if there's something else in this region stretching from Cuba to South America than the sun, sand and surf? With a lot of choices of cruise itineraries and lengths, with anything from a two-night getaway to an extended voyage sailing from ports from New York to Central America, it is a vast and diverse destination that practically is constituted by three separate areas, traditionally defined as Eastern Caribbean, Western Caribbean and Southern Caribbean.

A typical weeklong cruise allows the sampling of these varied cultures, history and peoples at four or five different ports. Each port call opens the door to a new slice of paradise, where you might discover traces of France or Britain or the Netherlands or Spain woven into the distinctive pace and style of the regions many individual nations. Although it is a year-round cruise destination, the strong appeal of the Caribbean for family cruise vacations makes school holiday periods among the busiest times of year. For those looking for the best values in a cruise to the Caribbean it is recommended to check sailing dates in January, late spring or September through early December.

Warm Drinks for the Holidays

Since it’s almost Christmas and at this time many people enjoy a delicious hot beverage such as hot chocolate, tea or cider, I will try to present you below some different and unique drinks in order to surprise your guests when celebrating together the winter holidays. So, here they are:

Sbiten. Originating from Russia, it is a traditional honey-based beverage consumed during the long winter months. In some recipes, honey and sbiten flavor (i.e. spices, juices) are boiled down separately and then combined to be boiled again, while in others all the ingredients are boiled at once. The drink can also be made alcoholic by substituting the water with red wine. It can be garnished with mint leaves or cinnamon sticks.

Mulled Beer. What about a hot glass of beer? Yes, it is not a typing mistake! By taking a quick look in the past (let’s say 100 years ago), you will see that the people used to enjoy the beer without any kind of refrigeration, and so can you. This sweet and creamy recipe will warm you up on any cold, winter night.

Eggnog. A drink usually available during the holidays, it is made from eggs, milk, cream and sugar (plus alcohol, if that's how you like it). Eggnog is a popular drink throughout the United States, Canada and Luxembourg and is usually associated with winter celebrations such as Christmas and New Year. Commercially, non-alcoholic eggnog is available around Christmas time and during the winter.

Apple Cider. You've just walked through the door. It's freezing outside and you would like something hot to drink. Forget hot chocolate or tea, there is something much better: a hot glass of apple cider. Nothing hits the spot quite like a steaming mug of apple cider on a cold winter day. Making this drink from scratch can be a great reward, and a delightful way to spend an afternoon.

Mead. Mead is an alcoholic beverage, made from honey and water via fermentation with yeast. Its alcoholic content may range from that of mild ale to that of a strong wine. It may be still, carbonated, or sparkling; it may be dry, semi-sweet, or sweet. Mead is often referred to as "honey wine". Depending on local traditions and specific recipes, it may be brewed with spices, fruits or grain mash. The holidays are a perfect time to enjoy this hot, ancient beverage.

If there are some other hot beverages that you enjoy to drink during the winter months, feel free to share them by leaving a comment to this post.

Thursday, December 10, 2009

Auto Insurance Sales Growing Online



Posted by Chris O'Sullivan

The insurance industry has long been known for its personal sales tactics and face to face negotiations. However, as with most industries, the shift to online services has taken off in recent years. Allstate, currently the largest publicly traded personal lines insurer, claims that nearly half of its customers first make contact through their website.

This has led a shift in the number of salesmen needed to conduct typical neighborhood sales. In 2008, Allstate took in $500 million in premiums through its direct channel, which includes its Web site and toll-free phone lines, and direct premiums are growing at a 25% rate so far this year. Though direct premiums are still a tiny part of the $26.9 billion Allstate earned in property/casualty premiums last year, premiums have been sinking for auto insurers in general, and the share that comes in through direct channels is rising.

Sources:
1
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3


Separate But Equal? Insurance, Abortion, And Politics

Could creating two insurance pools solve the health-care impasse?
By Al Lewis
Posted by Jonathan Tse



Though the Nelson amendment, which attempted to restrict federal insurance funds for abortion, failed in the Senate Tuesday, the issue of abortion's role in health care is far from settled. While the Senate version, if passed as now written, would allow federal funding, the House version, thanks to the Stupak amendment, does not even allow private purchase of a rider. Democrats are still divided on this issue, and without Democratic unity, health reform fails. Fortunately, the point of contention is not the thornier one of whether abortions should be legal, but rather how to accommodate both those who want to provide federal coverage and those who refuse to vote to earmark government funds to do so.

Both views can be accommodated by the simple step of establishing two insurance pools, one covering abortion and one not. Each would have the same premium, and people would sign up for the pool of their choice, depending on whether they wanted abortion coverage or not. To fully understand why this math works despite the extra cost of abortions, you must first understand abortion financing and rates in general. (What's the best way to take the passion out of the abortion fight? Turn it into an insurance equation).

Click here to read more

Too Little , Too Late

By: Zachary Pienkowski

It's never too late to procrastinate. People always feel invincible, like nothing in the world could happen to them. Until it does. Insurance planning is not for everyone, but for those that have responsibilities to dependents, it should be a top priority. Having worked as a financial representative and dealing with clients on an everyday basis, the importance of getting the right amount of insurance while you are still eligible can not be overstated. Many people have waited too long or put off buying insurance and then when the time came for them to get around to it, it was either much more expensive than it would have been if they did it earlier, or they were denied coverage completely. Sometimes medical issues can come up that you do not even know about, deeming you too high of a risk to insurance companies. However, if you purchase insurance early enough and come down with something at a later date, the insurance company do not have the right to take away your coverage. As long as you continue to pay premiums the coverage will stay in force. Struggling over the decision to buy term or whole life insurance is not something that should put off the actual purchase. In most cases, while term comes much cheaper for a large amount of coverage, it can also be converted into permanent insurance. The most important thing is that some coverage is put in place in order to take care of your loved ones if anything ever happened.

Sources:

http://money.cnn.com/magazines/moneymag/money101/lesson20/
http://www.smartmoney.com/personal-finance/insurance/how-much-life-insurance-do-you-need-12949/
http://www.lifeinsurancerates.biz/tips.html

Getting Car Insurance...How Much Is enough?


By: Robert Katz



When having to buy car insurance you should make sure you understand the suggested minimum requirements by your state and then address your personal situation to properly determine the amount of insurance that best fits you and your budget. There are various different types of coverage you need associated with any given policy, while some may be included and others not, make sure you understand them all and which are most important to you. They include: Bodily Injury Liability, Property Damage Liability, Collision and Comprehensive, Medical Payments or Personal Injury Protection, Uninsured and Underinsured Motorist Coverage, Uninsured Motorist Property Damage, Glass Breakage, Rental Reimbursement and Towing. Now the state required minimums for Bodily Injury Liability, if at fault covering costs to the injured party and your legal expenses, are at least $100,000 per person on the plan or $300,000 per accident. Most minimum deductibles for collision and comprehensive coverage are $250 and $100. Now if you are someone who gets into a lot of accidents you may want to consider a much larger Liability policy; however, if you don't get into many accidents and have a brand new expensive car paying to have a lower deductible for collision coverage may be a good investment. Sometimes if you have a really cheap car it isn't even worth the money to you to pay for collision coverage since the yearly coverage costs more than the cars total value. While bodily Injury Liability and Collision Coverage are the two most important aspects of any policy other more specific offerings (glass breakage, rental reimbursement, and towing coverage) for you personal situation may be very important things to consider based on your likelihood of incurring those associated costs.

Sources:
1
2
3

Zwack Liqueur

Zwack is an 80 proof herbal liqueur made in Hungary with a secret blend of more than 40 different herbs and spices. It is known as the National Shot of Hungary being produced by Unicum Zwack in Budapest, Hungary. Nowadays, the powerful taste of this herbal liqueur is available into various countries across Europe and also in the United States. The secret recipe for Zwack was first developed by Jozef Zwack in 1790 for Emperor Joseph II of the Austro-Hungarian Empire and contains a blend of over 40 exotic herbs and spices. Some of the herbs and spices are distilled, some are macerated, then blended together and aged in oak casks for over 6 months, giving the liqueur a dark, amber color.

Something great to listen to: Cesaria Evora

Cesaria Evora (born 27 August 1941 in Cape Verde) is, in my opinion, one of the most distinguished singers of world music around. With her amazing voice and rhythms, makes you feel as you were on one of those magnificent beaches of Cape Verde.

These days, I bought this audio CD signed by Evora: The Very Best of Cesaria Evora. This “best of” album, released in September 2002, represents simply a terrific introduction to a woman who not only masters each style she sings, but obviously loves every moment of it, and her enthusiasm for what she is singing is contagious. With songs like Angola, Carnaval De Sao Vicente or Bondade E Maldade, this compilation it’s a worthy buy and I recommend it as a wonderful way of getting to know great singing.

Wednesday, December 9, 2009

Sex, Abortions and Health Insurance



Posted by Quang Nguyen

The latest stupefying complication in the health care reform debate comes in the form of the Stupak-Pitts amendment in proposed House legislation that would prohibit companies from offering policies covering abortions in subsidized health insurance exchanges.

Senator Orrin G. Hatch, Republican of Utah, has vowed to insert similar language into the Senate version of the bill.

Reproductive rights activists are outraged, but others argue they are overreacting.

What are a few more restrictions on abortion, given what we already have in place? If health insurance reform passes, after all, the expansion of medical services to low-income women, including improved family planning services, would compensate for the risks of paying for abortions out-of-pocket.

Click here to read more

What My Amendment Won’t Do



Posted by Quang Nguyen
By BART STUPAK, New York Times

OVER the past month there has been a great deal of discussion about the Stupak-Ellsworth-Pitts amendment in the House health care reform bill. Unfortunately, much of this discussion has been driven by misinformation about what our amendment does and does not do. I would like to set the record straight: Our amendment maintains current law, which says that there should be no federal financing for abortion.

Under our amendment, women who receive federal subsidies will be prohibited from using them to pay for insurance policies that cover abortion. The amendment does not prevent private plans from offering abortion services and it does not prohibit women from purchasing abortion coverage with their own money. The amendment specifically states that even those who receive federal subsidies can purchase a supplemental policy with private money to cover abortions.

Click here to read more

Hotel Son Caliu

This year, me and my wife traveled to Spain (Mallorca more precisely) on August. We really enjoyed our stay, having very good weather, and we both felt that if the weather had been bad, we would still have had a pleasant stay. Why? Because Son Caliu hotel is perfect also if you just want to relax.

The hotel, surrounded by mature subtropical gardens in a quiet residential area just 10 minutes outside Palma, is located in a bay with direct access to a small private beach and only 700 meters from the popular beach of Palmanova.

The spa and gardens are very nice and the staff of the hotel very helpful and friendly (from the reception staff, to the waiters in the restaurant and, finally, to the bar and pool staff). The private beach is small but the main beaches of Palmanova are no more than a five minute walk. Breakfast on the terrace each morning overlooking the bay was great. In the evening, we didn't eat in the restaurant but there are plenty of good restaurants in that area.

We had a standard double room which, compared with other hotels we have stayed in, was very good. The rooms are in need of refurbishing because they are a little outdated. Our room was clean and comfortable which was all we needed having in mind that we spent most of the time on the beach, at the pool or visiting the beautiful island of Mallorca.

Tuesday, December 8, 2009

When looking for a job, consider the benefits!



Post by David Held

As everyone knows the economy is poor and companies are not hiring, but this is bound to turn around. Economies are cyclical and you have to be ready for the time when hiring becomes a new “fad.” When most people are looking for a job they tend to just look at the salary and the capability of bonuses at the end of the year. It is extremely to remember to look into the types of benefits that you can receive during your employment. One benefit that should be at the top of this list, especially if you have a family is health insurance. Getting health insurance through your employer can potentially save you a tremendous amount of money, and during a time like this saving money is crucial!

Types of health insurance that an employer might provide could be HMO, PPO, and POS. A Health Maintenance Organization is a managed care plan that attempts to lower health care coverage by encouraging preventative care measures. A Preferred Provider Organization is a group of doctors who cut deals with insurance companies to produce services at a reduced rate. A Point of Service plan is similar to a PPO but it allows you to use doctors who aren’t part of the plan, if necessary. All three types of coverage are great benefits, if provided to employees. It is important to carry health insurance because you never know when an emergency can unfold.

Sources #1, #2, #3

5 Best Wine Blogs

Nowadays, you can easily lose track of all existing wine blogs. It’s enough to search the term wine blogs with Google, for example, to find hundreds or even thousands of results. Moreover, at this time probably, someone is sharing out his / her thoughts about wine on a personal blog. But not all of them are worthy to be mentioned. And here comes the question: how do you decide which ones you should visit?

The selection presented below, it’s not just a simple top 5, it comes from my obsessive need to select only the most valuable articles from dozens of posts published every hour. So, even if you are a wine pro or just an amateur be prepared to subscribe to some newsletters and RSS feeds.

Vinography.com was founded in 2004 as a personal project by the founder and editor Alder Yarrow. The site is now a respected source for non-mainstream wine writing, and one of the most influential wine blogs on the Internet. Featuring wine reviews, editorials, book and restaurant reviews, wine news and wine event coverage, Vinography publishes new content daily. The site's contributors work hard to create an alternative to the traditional sources and styles of wine journalism, partially through its emphasis on the stories, the people, and the passion behind wine.

Dr. Vino talks, teaches and writes about wine. In reality being a doctor, Tyler Colman wrote his doctoral dissertation about the political economy of the wine industries in France and United States. On this site he makes good value wine recommendations looking at the world through the wine glass, bringing in diverse perspectives and lively reader contributions. His wine writing has also appeared in print in Food & Wine, Wine & Spirits, the New York Times, and The Guardian, among other places.

WineTerroirs.com is owned by French Photographer and writer who lives in France and who travels the wine routes of his country and records his experiences in both pictures and stories published on the blog, focused on smaller producers and and discussing anything from wine bars to wine debates.

Spittoon is a blog delivered by the wine writer named Andrew Barrow. This site has a professional air and features a lot of wine news and developments. There is also a focus on food and wine matching, and plenty of good links.

Winecast was launched in 2004, being hosted by Tim Elliott, a wine marketer, entrepreneur, adjunct professor of marketing and longtime wine lover. Several podcasts are produced each year that focus on a wine region or grape variety with tasting notes for these wines along with wine product reviews, tasting tips and other wine-related subjects.

How to Write a Novel

As we all know, a novel is a long narrative in literary prose. The genre has historical roots both in the fields of the medieval and early modern romance and in the tradition of the novella [which, in fact, is a written, fictional, prose narrative longer than a novelette but shorter than a novel]. According to Wikipedia, the further definition of the genre is historically difficult. Most of the criteria (such as artistic merit, fictionality, a design to create an epic totality of life, a focus on history and the individual) are arbitrary and designed to raise further debates over qualities that will supposedly separate great works of literature from a wider and lower "trivial" production.

Although there are no fast rules for how to get your novel from the first draft to the bookstore shelf, I’m trying to give some helpful guides useful in finding the proper way.

1. Choose the right plot
Writing a novel can be a huge, messy undertaking. The editing process will go easier if you devote a little time to plot in the beginning. For some writers, this means an outline; others work with index cards, putting a different scene on each one. Still others have a conflict and a general idea of where they plan to end up and then dive in. If you've been writing for a while, you already know how your brain works and what kind of structure it needs to complete big projects. If you're just starting out, then this may be something you'll learn about your writing process as you revise your first novel.

2. First, write a draft
Don’t get any feedback at this stage. Focus on getting the story down on paper. Maintain a regular schedule and spread the writing out over a longer period of time. It may be useful to enroll in novel classes, which provide weekly deadlines and community.

3. Revise
However inspired you might feel while writing it, the first draft will probably be bad. It will be clunky, disorganized, and confusing. Entire chapters will drag. The dialogue will be unconvincing and wooden. Rest assured that it's this way for everyone. And like writers everywhere, you just have to roll up your sleeves and get to work rewriting it.

4. Get some feedback
When you think it's time to start contacting agents, get feedback from writers you trust. Don't be surprised if they send you back to your desk for another draft. Address any large structural problems first, and then go through the book scene by scene. Anytime you have a question about whether something is working, stop and see what you could do to make it better. Don't just hope the reader won't notice. If you want your book to be good, revise with your most intelligent, most thoughtful reader in mind.

5. Work on something else for a while, if it is the case
If you find yourself banging up against the same problems with every draft, it may be time to work on something else for a while. Sixteen years elapsed between the first drat of Jane Austen's Pride and Prejudice and the published version, for instance. If you find yourself losing your way, go back to the fun parts of writing. Create something new; read for fun. With each new project you take on and book you read, you'll learn new lessons. When you come back to the novel, you will see it with more experienced eyes.

French Cuisine

French cuisine (the style of cooking derived from the nation of France), evolved from centuries of social and political change. The French cuisine is extremely diverse, with only the Chinese having similar variety in their food. This variety is supported by the French passion for good food in all its forms, France's extraordinary range of different geographies and climates which support the local production of all types of ingredients, and France's long and varied history. In many ways, an understanding of the culture of French food is an understanding of France itself.

French cuisine was codified in the 20th century by Georges Auguste Escoffier to become the modern version of haute cuisine. Escoffier's major work, however, left out much of the regional character to be found in the provinces of France. Gastro-tourism and the Guide Michelin helped to bring people to the countryside during the 20th century and beyond, to sample this rich bourgeois and peasant cuisine of France. Gascon cuisine has also been a great influence over the cuisine in the southwest of France.

Meals range from the very basic, such as the traditional baguette plus cheese plus inexpensive wine, to very elaborate affairs than can involve a dozen courses and different wines consumed over several hours. Obviously, the latter type of dining is exceptional for most people. However, it is this more sophisticated dining which is typically found in "French restaurants" outside France, giving many foreigners the mistaken impression that French food is heavy and complicated. In fact, much of the French cuisine is fairly simple, relying on high quality fresh ingredients and loving preparation rather than complex recipes.

Senate Turns to Medicare, Medicaid


By Greg Hitt and Janet Adamy
posted by Jameel Murray

WASHINGTON -- Senate Democrats are considering a significant expansion of Medicare and Medicaid, the health programs for the elderly and the poor, as part of a package of potential changes to health-overhaul legislation that would also sharply scale back a proposed new government-run insurance plan.

The proposals have emerged in closed-door negotiations among 10 Democratic senators -- five moderates and five liberals -- assigned by party leaders to break the political deadlock that has slowed Senate action on the health bill.

Negotiators Monday were considering a proposal that would open Medicare to people ages 55 to 64 if they couldn't find coverage elsewhere. The proposal would allow them to buy insurance coverage at subsidized rates under Medicare, though the subsidies wouldn't be as great as those for people 65 and over, said congressional aides and lawmakers.

A companion proposal would expand Medicaid beyond what is already called for in the bill. Under one scenario, people with incomes up to 150% of the federal poverty level would qualify for the program. The poverty level is currently about $22,000 for a family of four.

Both changes would represent major expansions of the programs. They were sought by liberal Democrats after moderates won concessions on the government-run plan that would give private entities a bigger role.

click here to read more

Monday, December 7, 2009

Do you need a flood insurance?

By Alma Zhumagulova

According to FEMA (Federal Emergency Management Agency) “floods are the most common hazards in the US.” That is why FEMA periodically evaluates the entire territory of the US for the level of flood risk that people face in individual areas. Flood risk maps have last been updated about 25 years ago; they are currently being evaluated by FEMA and are expected to be published next year.
Homeowners who live in the areas with high flood risk are obliged to purchase flood insurance. However, even the population of moderate- to low-risk flood areas should consider purchasing insurance (which is optional to them) since 25% of all flood claims occur in those areas. Therefore, flood insurance is critical to almost every homeowner since the basic homeowners insurance does not cover flood damages while “just a few inches of water can lead to thousands of dollars in damages.”
The rates for the flood insurance are established by FEMA. In general, the premiums range between $200 and $1,600 per year. David Schein, senior flood insurance liaison official for the FEMA region based in Chicago, also adds that purchasing the flood insurance now, i.e. before FEMA updates the maps and rates, can result in substantial savings. For example, if based on the previous evaluation you were in a moderate-risk area and paid $300 per year, after with the new maps the area you live in could be regarded as high-risk, and so you would have to be paying $1,300 per year. To conclude, if you are a homeowner you should check the rates before the new maps come into effect.

Sources:
http://wearecentralpa.com/content/fulltext/?cid=136641
http://www.lakeexpo.com/articles/2009/11/30/top_news/05.txt
http://www.battlecreekenquirer.com/article/20091205/NEWS01/912050311/Preliminary-flood-maps-finished
http://www.chicagotribune.com/features/chi-restate-home-policy_1206dec06,0,3320764.story

US Senate push to ban abortions on health insurance

Posted by Jonathan Tse



US senators are expected to vote tomorrow on changes to healthcare legislation that would stop medical insurance schemes from paying for terminations, as the battle over abortion rights moves back to the US Senate.

The issue is proving among the most divisive in the healthcare debate, along with proposals for government-funded medical insurance. The Senate debate on the abortion restrictions opened the day after Barack Obama met Democratic party senators to appeal for them to overcome policy differences on health reform and consider the broader sweep of history. He described the reforms as the "most important social legislation" in decades, while Republicans are predicting the president will meet his "Waterloo" over a signature campaign issue.

A Democratic party senator, Ben Nelson, introduced an amendment today modelled on a similar measure passed by the House of Representatives that effectively blocks women from obtaining an abortion on heath insurance other than in cases of rape, incest or when the mother's life is in danger.

The proposed legislation bars public funds from being used to pay for terminations after a lobbying campaign by the Catholic church and rightwing fundamentalist Christians was instrumental in forcing the issue on to the healthcare agenda. Pro-choice groups say the effect will be to bar most terminations from being paid for by medical insurance because almost all plans will be touched by government subsidies.

Click here to read more

My favorite words begin with 'C'

Just like the ad... I only drink Coke, eat cheese, read just the relevant comic books and drive cars like a lunatic. I love to chill, to party flooded by Cognac, Chivas or Corona and, although I don’t socialize with girls educated on the parking spots, I like to go to the candy shop from time to time just for tasting something cute. I work on classic lines not seduced by tradition, just by opportunities or currencies

I use cream as a dessert and desserts as a simple standard of motivation to draw a line and get something extra. I think, then create, rarely quote, consistently complicate simple things, camouflage others’ expectations in simple word games. I am curious, never caught for complicity but always delighted to launch some canards. I love comparing only for the sake of identifying differences and courting just to prove myself that I still got it. I lead to corruption like a role model, call only to hear my voice, never dancing carioca, always conquer don’t claim. I like to convince...
What about your favorite ones?

Which Is More Important For A Nation, Economic Prosperity Or Political Freedom And Stability?






Which is more important for a nation, economic prosperity or political freedom and stability? Please explain your answer.



Tags: Nation, Country, Economic Prosperity, Political Freedom, Stability, Democracy, Totalitarianism, Dictatorship, Justice, Freedom, Rights, Equality, Equal Rights

Posted by: Mel Avila Alarilla
Philippines
Viewpoint/Opinion

5 of the Best Travel Destinations

It is very difficult to select only 5 from all travel destinations in the world, but the ones presented below worth, definitely, to be visited.

Portugal. This country has an old-fashioned charm, with medieval castles and perfect villages scattered over meandering coastlines. From the ancient university town of Coimbra to Lord Byron's favorite Portuguese haunt, Sintra, the country's proud history can be felt everywhere. There are also the colorful and lunging streets of Lisbon, one of Europe's most culturally significant capitals, together with the wineries of Porto, with their hundred year old brand sitting stately in enormous casks, which you don’t have to miss. Something else? Maybe the sleepy surf towns of the Algarve coast, where English people are just as prevalent as Portuguese. Here everyone wants to buy you a drink!

Paris. No trip to France is complete without a stop here. In the first day, after you left your hotel in the morning, you will want to start with the city tour. The "must see" sights in Paris are: Champs-Elysees, Arch of Triumph, Concorde Square, Invalides, Eiffel Tower and Trocadero, The Opera, Notre-Dame Cathedral, Louvre Palace and Museum, Orsay Museum, Madeleine Church. Enjoy!

Morocco. Morocco means contrasts, colors and mystery and all you can do is simply catch your breath in wonder. It has a timeless quality that no longer exists in the modern world, a sense that the past with all its glory and savagery still lives on, threading in and out of the present, informing with its every word and gesture. On arrival you are plunged into a culture, a religion and a lifestyle unlike anything that you have ever experienced before: a mystery tour of a land of endless surprises, enchantment and enduring fascination. Morocco is an exciting country!

Dubai. If you want to see camels walk the streets beneath enormous skyscrapers, then Dubai is the place for this. Hospitality has been a tradition here for centuries. Today, Dubai extends this welcome by offering facilities of the highest international standards combined with the charm and adventure of Arabia. An exceptional blend of modern city and timeless desert!

Fiji. Resting quietly in the South Pacific, Fiji Islands are tailor made for relaxed adventure. Well known for its laid back atmosphere, dedication to luxury and relatively cheap prices for the region, the islands boast miles and miles of extreme pristine beauty and are a nature lover’s delight. Whether you want to stay in all-inclusive resort or explore the nooks and crannies of the island, Fiji is guaranteed to be one of the world's most beautiful travel destinations. At the crossroads of the Pacific, Fiji is the exotic melting pot of cultures of Fijian, Indian, Chinese, South Sea Islanders and European settlers. Experience it!

Furnizarea de Cuvinte devine Words Delivery

Ma aprovizionez seara. Tarziu in noapte, de cele mai multe ori. Cand scumpa mea cade prada oboselii de peste zi, cand linistea-mi devine bun tovaras, cand plopul de la fereastra priveste coala alba pe care vars cu pasiune rodul unei minti de atatea ori vulgare. Si cum Nazdravana nu m-a acreditat ca scriitor, voi continua sa imping la extrem limba romana, sa extrag ca un miner din cotloanele gandirii, sa ingrijesc de toate versurile fara rima, sa creez, sa compun...

Si, doar ca sa public in continuare pe blog articole, versuri, scriituri, opinii... In curand, insa, voi incepe sa scriu si in engleza. De fapt: doar in engleza. Cand a aflat, scumpa mea m-a intrebat pe un ton sarcastic:
- Livrezi cuvintele si la export? Dar, ce-ti veni? Iti trebuie recunoastere internationala?

Minte de femeie, mi-am zis. Ea n-o sti oare ca tot ce vreau este sa fac uz de toate vocalele si consoanele din dotare? In felurite combinatii...

Sunday, December 6, 2009

Insurance: Don't get caught without it


By Lew Sichelman
Posted by Alma Zhumagulova

Insurance is one of those things you don't need until you need it. But by then, it's often too late. Every homeowner knows –– or at least should know –– that they should carry a homeowner's policy. Indeed, mortgage companies require coverage.

But did you know that if you allow your policy to lapse, lenders retain the right to purchase a policy for you? That can be an expensive proposition, because "force place" coverage can easily cost two or three times what you would pay on your own.

Because insurance protects the underlying collateral for your mortgage, lenders can even go so far as to foreclose if you refuse to carry insurance.

But there are all kinds of other coverage over and above your standard homeowner's policy that you also may want to consider. "There are lots of things people don't think about until after the fact," said Chad Mirock, product manager for opportunity lines at Travelers in Hartford, Conn.

Here's a rundown:

Click here to read more

Ways to improve

By Alma Zhumagulova

With the new health care system under development the US Government should consider many different aspects of a good health care system before finalizing it. While 18% of US national income is spent on health care 47 million people are still uninsured. It could be beneficial to “borrow” some ideas from the Netherlands, Switzerland and Germany that have universal coverage while providing the highest quality health care at a very affordable price. These countries prohibit the insurance providers from “refusing to cover the sick.” The Dutch Government handles this through paying more to the insurers for covering people with preexisting conditions. The new health care bill also bans the insurers from refusing to cover the sick people, approximately 2% of the US population. However, CBO predicts that the public option so favored by the liberals will actually be beneficial to only these 2% and, thus, eventually it will drive up the costs even higher. On the other hand, the proponents state that public option will be cheaper since it will resemble a “large employer”, i.e. create a larger risk pool that will cancel out the larger claims with the smaller claims. Only after it is established we will know who is right. In the meantime, in the survey conducted by Thomson Reuters Corp, it was found that less than 60% of the respondents would like a public option as part of any final healthcare reform legislation, and about 59.9% believe in public option.

Sources:
http://www.sfgate.com/cgi-bin/article.cgi?file=/c/a/2009/11/29/MN3U1AL75B.DTL
http://www.nytimes.com/2009/11/29/opinion/29starr.html?_r=2
http://www.reuters.com/article/idUSTRE5B20OL20091203

Auto Insurance Premium Rate Drops


Posted by Shawn Gao

It is a good and bad news. Auto Insurance rate droped around three percent from 2007 nationwide;however; New York drivers are still paying the most expensive insurance in the country. New York drivers paid an average premium of $1,179 in 2007, the last year for which information was available, the National Association of Insurance Commissioners said in an annual report.
That was down 2.8% from $1,213 in 2006, slightly higher than the 2.6% national average decline. The national average is $912.
Not only NY state drivers, but also NJ drivers have to twice expensive auto insurance cost. The average Garden State resident paid 4 percent less in auto insurance premiums in 2007 than the previous year — and 9 percent less than the peak year of 2004, the National Association of Insurance Commissioners reported this week. Nationally, rates fell by only 5.6 percent between 2004 and 2007.
Unlike the drivers in North Dakota and Winsconsin, both NY and NJ drivers pay as twice expensive as the drivers in these states. Nevertheless, it is hopeful that the direction of droping auto insurance rate is right. A affordable insurance is a good idea for the drivers to buy.
Source:
1.http://www.nydailynews.com/ny_local/2009/12/04/2009-12-04_ny_drivers_insured_for_less.html
2.http://www.app.com/article/20091203/OPINION01/912040324/1029/OPINION/N.J.+auto+insurance+rates+still+highest++but+...
3.http://www.property-casualty.com/News/2009/12/Pages/Auto-Insurance-Premiums-Drop-Nationwide.aspx

Health insurance premiums rise as Congress debates reform


posted by Shawn Gao

Wrangling in Congress over health care reform hasn't succeeded in curbing the double-digit increases many Utah employers and workers will face for health insurance next year as open-enrollment season rolls around.

One explanation is that insurance companies and customers usually agree on the terms and conditions of health insurance plans at least 90 days before they go into effect. The House passed its reform bill Nov. 7, more than a month after most employers had signed contracts for 2010, and the Senate vote is weeks away.

Another reason is nobody knows which bill may emerge from the Senate and how it will be resolved with the House bill before a final measure goes to President Barack Obama.

Meanwhile, health care costs are still surging. And at the state level, where insurance companies are regulated, officials are waiting for Congress to act before they press for reforms.

"I don't think that health reform is really a driving force in how these negotiations [between employers and insurance companies] are playing out right now," said Kathleen Stoll, director of health policy at the nonpartisan advocacy organization Families USA.

As Congress continues to debate, premiums show no sign of reaching a plateau, forcing more businesses to pare back benefits or cancel them altogether.

"The trend for [2010] is still up," said Candace Daly, Utah director of the National Federation of Independent Business. Many of the group's 4,000

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Friday, December 4, 2009

Picking the Correct Medicare Plan is a Challenge







By: Sara Sindelar



A few years ago Medicare plans changed to two option, Advantage and Medicare Part D. Now since the health care reform is taking place more and more changes are occurring in Medicare. These changes are hurting those holders financially as insurance companies try to safe themselves financially.



Along with the new health care reform are coming cuts from insurance companies. “UnitedHealth Group Inc. and WellCare Health Plans Inc are minimizing the number of plans they hold due to government cut backs” (WSJ). All of these people whose plans are being cut will need to find another option soon, December 31. The deadline for the drug plan is January 31st. If the policy holder does not select by these dates then they are placed in Medicare.



Other issues are the rise in premiums and co pays for holders. People are finding there are worse plans that are charging more for less and high co pays. These Advantage plans are really cutting down plans and the benefits included in plans. Many are dropping the gym membership and dental. Not only are the health care plans dropping but the prescription plans are dropping as well. Costs are increasing for many prescriptions putting a financial burden on those already struggling to pay health care costs.



http://online.wsj.com/article/SB10001424052748704533904574543892083169658.html

http://www.efitnessnow.com/news/2009/11/20/finding-the-right-medicare-plan-for-you-2/

http://www.thebaynet.com/news/index.cfm/fa/viewstory/story_ID/15734

Thursday, December 3, 2009

What Political Belief Do You Espouse In Your Life?





What political belief do you espouse in life? Are you a middle of the road or centrist or are you leaning towards the left or the right? Please eplain your answer.



Tags: Political Belief, Centrist, Middle of The Road, Leftist, Rightist, Democracy, Socialism, Communism, Monarchy, Presidential, Parliamentarian, Federalism , Totalitarianism, Dictatorship

Posted by: Mel Avila Alarilla
Philippines
Viewpoint/Opinion

Wednesday, December 2, 2009

Michigan Debate Over Proposed Auto Insurance Changes Heats Up



Posted by Quang Nguyen

Democratic lawmakers in Michigan are promoting proposals they say would make auto insurance more affordable and strengthen consumer protections in the state. Opponents including the insurance industry say the proposals would drive up costs for customers and are a political stunt geared toward the 2010 elections, according to Associated Press reports.

The Democratic proposals would require that companies get prior approval from the state insurance commissioner before raising rates. A driver's education level or credit history could not be used as factors in determining rates.

The proposed initiative would allow Michigan voters to weigh in on consumer-oriented insurance reforms that have saved California drivers an average of $3 billion per year since being enacted in 1988, according to consumer advocacy groups Consumer Watchdog and Consumer Federation of America (CFA).

Click here to read more

House Committee Passes Federal Insurance Office Act



Posted by Quang Nguyen

The U.S. House Financial Services Committee has passed a measure to create a scaled-back federal office that would be a national insurance information agency with some authority in the area of international insurance agreements.

The new federal office would not have any regulatory authority over the business of insurance and would not be able to override state insurance laws.

The key committee passed H.R. 2609, the Federal Insurance Office Act of 2009, by a voice vote today.

The bill would create the Federal Insurance Office (FIO) within the U.S. Treasury Department to address two major areas that have been the focus of criticisms of state insurance regulation. First is the lack of a knowledge base or informational source in Washington, D.C. (something especially evident following the 9/11 attacks and Hurricane Katrina). Second, is the challenge state insurance regulators occasionally face in representing the United States in multilateral insurance discussions or entering into binding international agreements.

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Dental Insurance: More important for some, but necessary for all


Posted by Lindsey Connell


Dental insurance may be just another free benefit some receive at work but it could be a life saver for others. While most people get their teeth checked twice a year, some require additional attention for their teeth and if teeth or gum problems arise in someone’s mouth, the fix for it is usually very expensive. One way to prepare for these expenses is to use a flexible spending account to pay pretax dollars toward medical and dental costs. If your company does not offer dental insurance, it is very beneficial to purchase an individual dental insurance plan to cover a portion of any dental expenses you may incur. Dental checkups shouldn’t be taken lightly because bad teeth could mean gum diseases or infections in the mouth. These diseases can add up causing extreme sickness, so it is definitely worth buying dental insurance to get your mouth checked every once and a while. It is important to note however that no dental insurance company is going pay for the full amount of your dental expenses so it is necessary to find an insurance plan that fits your situation and lifestyle. If you require a lot of dental attention than it would be appropriate to talk with your employer about trading in a company benefit for dental insurance or you should invest more money into a good health insurance company that will cover more of your expenses.




Why it is necessary to have car insurance


Posted by Lindsey Connell

Car insurance is extremely important to have whether you are a good or bad driver. Although car accidents usually are very infrequent, most people will make a claim at least once in their lifetime. If you are pulled over without having car insurance, you will lose your license but there are other reasons to have insurance besides the legality factor. If you are in a car accident and are at fault, if you don’t have insurance you cannot cover the other victim’s recovery expenses. In the reverse, if you are the victim and are hit by an uninsured driver while you are uninsured yourself, than you will have to pay for your health care out of pocket, which is extremely expensive. Also, driving without car insurance could leave you personally liable for significant third party claims in the event of an accident. Although car insurance isn’t something that is necessarily used every day, it is better to be safe than sorry. With this type of insurance, paying insurance expenses over the years is usually less expensive than getting in a bad accident and not being insured. As health care expenses continue to increase, it makes it nearly impossible for those without insurance to receive the treatment they need after being involved in a car accident. Therefore, it is extremely important and beneficial to invest in auto insurance.

http://ezinearticles.com/?Ten-Good-Reasons-why-you-need-Car-Insurance&id=346391
http://www.streetdirectory.com/travel_guide/48948/auto_insurance/three_reasons_to_get_car_insurance.html
http://equotegrabber.com/uarticle/article&id=46

Health Care Issues: Shopping for Insurance


By Erica Werner
posted by Jameel Murray

A look at key issues in the nation's health care debate:

THE ISSUE: Is there an easier, more transparent way for consumers to shop for health insurance?

THE POLITICS: Most Americans under age 65 get insurance coverage through their employers. Small employers, however, increasingly find policies unaffordable. And for the approximately 18 million Americans who buy their own insurance plans, it can be a baffling experience to wade through or even understand competing offers. People who buy their own policies risk paying higher rates or being denied coverage for their health history.

click here to read more

Tuesday, December 1, 2009

Your 5-minute Guide to Health Insurance





By MSN Money staff
Posted by Lily Mei

Access to health insurance is protected by federal law if your employer offers group coverage. But if you need to buy insurance on your own and you have a history of medical problems, finding affordable insurance can be a challenge.

Either way, you can take steps to control your health-care costs.

Get the most from your employer plan
If you're insured through your employer, review your coverage annually when your company holds open enrollment. (See "9 keys to choosing the right health plan.")

•You may have a choice of several types of providers. Base your decision on access to quality careand what the plan does and doesn't pay for. Examine deductibles, co-payments, limits on out-of-pocket expenses, lifetime maximum benefits and prescription coverage. (See "When your health plan won't pay.")

•Have your medical needs changed? A plan that couples higher premiums with lower co-pays is better for people with health problems.

•You can pay out-of-pocket health-care expenses with a flexible spending account using pretax dollars, meaning Uncle Sam covers as much as a third of the tab. But you'll lose what you don't use in the calendar year (employers can extend the deadline to mid-March), and you can't take it from job to job.

•You may be able to lower your premiums by taking advantage of employee incentives to lose weight, exercise and stop smoking. (Your employer's plan cannot single you out for higher premiums or drop your coverage if you develop health problems.)

Cheaper ways to buy it yourself
Another option for paying out-of-pocket medical expenses is the health savings account. An HSA is available only if you buy high-deductible health insurance through your employer or on your own. (See "Get cheaper medical coverage -- with a tax break.") Not every high-deductible plan can be partnered with an HSA.

•The Internal Revenue Service will allow maximum HSA contributions of $2,900 for individuals and $5,800 for families in 2008. Your contribution is either pretax or deductible, even if you don't itemize, and earnings and withdrawals for medical expenses are tax-free.

•Unlike a flexible spending account, your money is invested, and what you don't spend will roll over to the next year. You can take the account with you if you change jobs.

•Use HSA Insider, HealthDecisions.org or eHealthInsurance.com to find insurance that qualifies as high-deductible under IRS regulations.

•You can make contributions up to age 65. After that, you can make taxable withdrawals for any purpose.

Click here to read more