money

California's health insurance market has unveiled many cost-effective health insurance plans. With a little bit of research consumers can save a significant amount of money each year by securing the most appropriate health insurance plan for themselves, their families, and their employees. In the end, they might just have more positive feelings about California's health care system.

Despite the highly visible social action efforts taking place in Sacramento to heal our health wounds, it is likely that big changes are still a while away from taking effect. So, in the next few years there is a lot that you as employers, individuals, and families can do to quell the negative reputation that the health care system gets and start making the insurance process work in our favor.

In this age of internet shopping, more and more people each year are purchasing their health insurance plans online without knowing which plans are most appropriate for them. Most choose the health insurance plan that has a low monthly premium, but later find that this plan does not fit their needs or the needs of their loved ones or workers. As a result, the costs can be much greater in the long run. Typically, the most eligible health insurance plan will end up being the most cost-effective health insurance plan, even if it is not the plan with the lowest monthly premium.

Finding the most appropriate and cost-effective health insurance plan can be accomplished through a few simple steps:

1) Contact a professional health insurance agent from a referral or call the agency that you find online

2) Ask the right questions:

a. What is the difference between a PPO and an HMO? Which one would benefit me the most?

b. What is a deductible, co-pay, co-insurance, maximum out-of-pocket limit?

c. If I have pre-existing conditions, how will that affect my family's rate and approval probability?

d. Should I sign up separately from my family?

e. Are there $ 0 deductible plans available? Would this be appropriate for me? Why? Why not?

f. If I get declined, what are my alternatives?

g. Which plans am I more likely to be approved or declined for?

3) Learn about the different types of health insurance plans in the market. This will only take a few moments to understand.

The following are a few great health insurance plans in the market that have very comprehensive coverage and can help you save money.

Cost-Effective PPO's

First Dollar Plans: These plans have a $ 0 deductible so the member is paying only a percentage (usually 40%) of the negotiated rate for services from the very start of the policy. First Dollar Plans normally carry a doctor's visit co-pay from $ 25 – $ 40. Such plans do not include maternity benefits *, which helps to keep the monthly premiums down.
* This may be a concern for women, but companies that carry these plans will often let you slide into their high deductible plan (~ $ 5000 deductible) …

You can start your own business, building dog houses for yourself, and others to sell for you. If you can build, quality dog houses, that will stand up to any weather, and can also offer upscale models of quality dog houses, you could have a nice part time, or full time business for yourself. Some people like a simple “A” frame style dog house, with no frills, just something simple, Fido can sleep, and live in.

Other people want the very best for their dogs, they are like family to them and they treat them that way! If you can build some houses that are sound, and quality built, and have some extra amenities with them, to make them stand out from your average house, like windows, or a front or back porch, a balcony, an upstairs, downstairs model, you could make really good money and have building them at the same time!

You could have several styles of your dog houses. You could take pictures of them, and make up a nice flier that you can take to pet supply stores, feed supply stores, dog motels, dog groomers, and more. Offer to put some of your houses in their stores on consignment. You can give the store owner a percentage of each dog house they sell or take an order for you. If you could design your own doghouses, that you could fit in a box, and give simple directions on how to put them together, you could sell your dog houses through the mail, to companies and internet sales.

Lots of people are used to putting furniture together themselves these days. Lots of stuff comes in boxes from overseas, and you pretty much have to put it all together most of the time. You can your own houses that fit in a box, and easier to handle and ship out. You could also sell them online on the major auction sites, as that is an easy outlet to start a business quickly, if you have a good product. Also, ask other pet shop type websites, to list your houses on their website, and you will drop ship each one, and give them a commission for each dog house sold through them.

You should put signs on your vehicle saying you build “custom dog houses” and then, if you can print a picture out of a completed dog house, in color, and laminated it, you can make up some magnetic signs of some of your models, with the prices underneath each house. You would get lots of customers that way also.…

There are many ways of approaching some extra money from the internet and whatever you like doing there is something for everyone. If you just want to try a basic search for work then just type in "Get paid to" followed by whatever you are interested in such as surveys, pictures, listening to music. This will bring up a number of sites. Once you've found some names then do another quick search to find out what other people are saying about them before signing up.

Paid article sites are becoming one of the most popular ways to earn some extra money with new sites coming online all the time. You could try Helium, Triond, Associated Content or Constance Content for a start. They all have different payout levels, some from just 50 cents and right up to $ 25.

You might also like to try paid survey sites although you should not part with cash to pay for survey directories as this information is freely available online and do not be fooled by claims that you can earn small fortunes every month. Some companies rarely send surveys, others send them everyday but you might not have the right profile. Try the Lightspeed Panel, IPSOS, who give you points even if you do not qualify for the full survey, Valued Opinions or Palm Research.

Paid transcription work is also readily available on the Internet. The work is usually pretty well paid but you will need a pretty fast typing speed and some transcription equipment. A good way to start with this kind of work and to gain experience may be to try Mechanical Turk who offer smaller pieces of transcription work.

Get paid to listen to music is also another option. You might like to try Slice the Pie, one of the best ones around. Promo Squad is also a good choice or you could try Country Hit Songs. Some pay cash while others other points which are exchangeable for prizes.

There is just a few ideas to get started earning some extra money every month just for some extra time spent online. …

LED TVs have rapidly become incredibly popular, and are clearly emerging as the new standard in televisions. Technically an advanced type of LCD TV, LED TVs have acquired the market enough to fall into a category of their own, and are poised to give older LCD TVs a serious run for the money. The technology allows for a greatly improved picture quality compared to plasma, LCD and DLP TVs. As the price gap narrows between LED TVs and the rest, be sure to check out all the features to choose the best LED TV for you.

Everyone is buying LED TVs, and the smart ones are making sure those TVs are wi-fi compatible. After all, everything is going wireless these days, so why not your TV? Out of all the manufacturers of LED TVs, the brands that stand out by offering wireless capabilities are LG and Samsung. Out of these two, Samsung is the brand that is generally considered the leader of this particular market.

On the other hand, LG's plus points include the fact that their TVs tend to be less expensive while also getting excellent customer reviews. While you're going wireless, be sure to check that your new audio and video devices fit the bill, too – for starts, you can look out Sony's great new wireless Blu-ray player which comes at an attractive price tag.

Thanks to LED technology, added to which is the new line of semiconductors, video images are sharper than ever – you will enjoy deepest blacks, crisp whites and all-round color vibrancy in an overall viewing experience that is nothing short of spectacular. Higher contrast ratios of 500,000: 1 and faster refresh rates at 250 Hz and above mean that you get picture quality that is beyond compare. Lifelike images and crisply displayed motion, even for high-speed content, takes TV viewing into the future.

Not only is the picture quality great on the best LED TVs, but they are designed to use significantly less power. On average, these televisions use 40-50% less power than comparable LCD TVs, making them easy on power resources as well as on your wallet – you'll find yourself paying less each month in utility bills. What's more is that no mercury is used in making these TVs. Mercury is toxic to the environment, and is generally used in LCD TVs so it's great that these TVs are made without this harmful substance.

As a general trend, the best LED TVs in today's market have consistently been coming from Samsung, clearly at the forefront of this technology. Not far behind are brands such as Sony and Toshiba. As the competition gets more fierce, prices of these TVs will consistently be lowered, and quality improved as kinks and bugs are fixed in the performance. Generally speaking it is recommended to go not for the top of the line models but the ones right below, for the best price-and-performance balance to get the best value for your money.

In these cases …

Photographers are always looking for ways on how to make money selling photos online. There has been few successes in this field. One of the most successful microstock photographer is Yuri Arcurs who is dubbed to be the "world's best microstock photographer". You can try to emulate the methods he used to make money selling photos online. You can also sell your images on Getty Images, Corbis Images or Istockphoto. It was quite easier back then to make money selling photos online but when Web 2.0 came in, things have changed. Let me show some tips on How to Make Money Selling Photos Online.

Before we begin, Let me ask you some questions. "Will you sell photos online to make it as your primary or secondary income?" "Will you sell photos online to help your photography business?". If your answer is yes to both questions, make a list of your available resources to make it happen. If you have not listed Facebook and Twitter then you are already missing out on the potential to sell your photos online to about 500 million users of Facebook and Twitter.

If you already have a Facebook account, create a Facebook Page or a Fan Page. Name your Fan Page the same as the name you use for your photography business. Why is it important to have a Facebook Page? Your current Facebook account limits you to 5,000 "Facebook Friends" while a Fan Page will give you unlimited number of "Fans". If you do not have a Twitter account, create one and get a Twitter username that is relevant to your photography business as well. If you are asking how Facebook and Twitter will help you make money selling photos online, then you have to read on.

Now that you have a Facebook Page and a Twitter account. Let me show you a tip on how to make a Facebook Page that will help you make money selling photos online. There are few Facebook apps that you can use to make an awesome Facebook Page one of them is static FBML. There is a new Facebook app that is so much easier to use and that is the Tigerlily App. You can find it by going to search and type Tigerlily. What it does is that it gives you two tabs which are more than enough to put information about your photography business and will help you make money selling photos online. The most important widgets to add on your Tigerlily app are the picture widget which when clicked will redirect the viewer to your website and the Twitter tab which will post your Twitter feed.

If you do not have a website, you should create one now. The cost of having a website has gone down. You start with registering a domain name think of something that is relevant to your photography business. Find a webhosting company and there are some you can pay for as cheap as a dollar a month. The …

Unless you were lucky enough to be born into a family that has a large amount of money, then chances are you will have to work for money at some point in your life. You will earn a salary or hourly wage and you will use that money to pay your way in the world. But ever, you will want to stop working and enjoy a retirement age. And if you have been wise and put your money to work for you, then you can often reach that time of relaxation much earlier.

Of course, not every situation is the same. Some people may have specific goals for which they are saving in addition to their basic retirement expenses, such as sending a child to college or buying a second vacation home. You may have a pension from your work, or you may be on your own when it comes to retirement expenses. Taking into consideration the fact that life expectancies are increasing all the time, and you may find yourself needing to plan for a greater period of time than you may think. So having your money start to work for you at an early age will pay out more and for a longer period of time in your future.

How is this so? Well, in part, as we discussed in the 'Get Rich Slowly' article, investing your money allows you to stay ahead of the depreciation of money's value and earn some return on your investment as well. But there is also the fact that interest compounds over time, adding to your earnings without you having to lift a finger. As an example, let's say that you were to invest $ 1.00 today and the annual interest rate or rate of return of the investment is 8%. That means that in one year, you will have $ 1.08 in the account. If you leave that money where it is, at the end of the year you will have earned interest on not only your original $ 1.00, but on the previous year's interest as well, giving you about $ 1.17. This compound interest will continue, year after year. But imagine that instead of $ 1.00, it's $ 100, $ 1,000 or even $ 10,000 that you start with and you can see the value over time.

Of course, this is only one possible way to invest. Most of us do not have $ 10,000 to invest from day one. Instead, we will be building our savings over time. We may start with $ 100 a month, added each month over the years. You can still reach a significant savings, but it will simply take more of your own money to get there. This is called an 'accumulation annuity,' and you can use calculation tables available from your investment broker, bank or online to figure out exactly how much money you will need to invest regularly in order to reach your goal. But to give you an idea; if …

If you are even considering to buy life insurance do you have the hardest time when it comes to deciding on Whole Life vs Term Insurance?

One life agent named Vicki Gunvalson (not affiliated with our organization) vaguely states…

The difference of term to permanent. I think that term is being sold to a lot of clients under age 40 where I try to talk more permanent coverages when over age 40 with more on the estate planning side where it is something they want to have for their beneficiary’s benefit when they are an age 100.

So with term we could obviously only go 20 to 30 years but when we’re looking at 40-50 year olds I always talk to them about permanent coverage.”

In contrast to what Vicki states we wholeheartedly, wholeheartedly believe that no one should purchase anything other than term life ins. When you have an agent trying to sell you Whole Life, Variable Life Insurance or Survivorship Life Insurance then be extra cautious with this life insurance agent because they may be looking at their own interest and financial gain rather than you and your loved one.

Whole Life vs Term Insurance

Permanent Insurance, which includes Whole Life, Universal Life, Variable Life and Survivorship Life insurance has a built in “Cash Value” but when you understand that the cash value really means nothing to your bottom line you will never think about purchasing any of the types of permanent ins.

Cash Value is the “investment” portion of life ins that you can access through loans or withdrawals. The death benefit may be reduced with the withdrawals and there may be some charges which could affect your policy in the future.

Also, you definitely do not want to have life coverage forever. If you understand how expensive continuously paying into a life policy can be you will definitely rethink this purchase. At age 100 the cost is $1000/month for every $1000 of coverage. So if you have a $500,000 policy it will cost you $500,000 per month at age 100. You only need it when you are younger and when you have dependents counting on you for your income. Outside of that temporary time period you do not need this coverage. Again, it is only for a temporary period of time.

Insurance agents that tell you the benefits of cash value either don’t know how bad a permanent insurance policy is for you or they don’t but chances are they know how much commission they stand to make from selling one of these whole life policies to you and have chose that route instead of looking in you and your family’s best interest.

What? Do you mean I get to invest with a life policy? Isn’t that wonderful?

Yes, there is an investment portion to these permanent life policies but in reality the cash value is never really yours. It’s the insurance company’s money and they will allow you to borrow from it. They …

Thinking about money in terms of being in a relationship is not the way we normally think about it. Yet, we relate with everything in our life experience, be it a person, the earth, our car, and our money. We are in relationship with it all. Think of yourself as a relationship partner with everything you come in contact with to some degree or another.

So how do you know if you need to change as a relationship partner with money and how exactly do you do that? I have just the thing for you.

First of all, look at your bank balances, your debt balance (s), your paid and unpaid invoices, your income, your savings and investments. These are the aspects of money that you are in relationship with specifically. Rate the quality of each aspect from 1-10, 10 being great, 1 being just awful. Now, this is the quality of your relationship with this particular aspect of money. Each aspect means something a little differently. This is why I have broken it down this way. You have relationships with multiple aspects of money.

If your ratings are less than 8, it is time to admit that you and this particular aspect of money need to change. You need to become much better friends, in fact, you need to be the best of friends! Some people like to think of their relationship as two lovers in love.

It only takes one person to change in a relationship for the whole relationship to change! That is good news for you since you never really have control over other people, places, things, or even money.

Let's take income as the particular aspect of money that you would like to become best friends with. If your income is not flowing to you in a consistent way, if you experience feast or famine, or if money only comes to you when you are in trouble and you're about to lose everything, these situations will reveal to you what you believe about your ability to receive and / or how much value you believe that you have, particularly in the business world.

How do you react to the inconsistent flow of income in your life, and how does it make you feel? Chances are, you may feel very stressed out and triggered to react in a fight / flight / freeze survival pattern. This could be a response similar to your conflict response in other relationships. You become a responsive partner when things get tough.

Do you become a victim to your income and blame other people for not seeing your value or do you blame circumstances (economy) for it not showing up? Perhaps you expect money to show up because you demanded that it would because, after all, you worked so hard for it, therefore, it should reward you. You could be sabotaging yourself by not reaching out and asking for what you want and need from a place of knowing it is …

You are reading this article because you want to make money from home. You either have a job that you hate and want to replace it with an online business or you need to earn more money each month to live the lifestyle you deserve … or just to make ends meet. Welcome to the club.

There are millions of people just like you who sit in front of their computer and search for the same things that you search for. They look over the same websites you do and pass up opportunity after opportunity looking for exactly the right fit just like you are.

This is not the first time that they've looked and it will not be the last because they love looking. They love dreaming about nice cars and big houses and telling their friends that work from home and do not need to take orders from an incompetent boss to keep a job they despise just to pay the bills.

The problem is they love dreaming so much that they never take any action. They endlessly search for just the right system or program and end up never giving any of them a try – or buying one and never actually putting the program to use. What they do not realize is that it's painfully simple to actually have the life in those dreams instead of just dreaming of that life.

That one secret to success eludes them. That one realization that takes them from just another dreamer surfing the internet to the person that no longer has to worry about how to fund their retirement, how to afford to send their children to a good college, or something as simple as where the money for the next mortgage payment will come from.

The secret is to (with my apologies to Nike) Just Do It!

Choose a decent program, any decent program and get off the sidelines and into the game. The cold hard reality is that you'll never earn a dime sitting and dreaming, surfing and jumping, reading stories of internet success stories and wishing that was your life … …

A Happy Pocket Full Of Money explains the very real relationship between science and spirituality in the most uncomplicated way. It’s the kind of inspirational book about why we are here that you always wish existed but thought it never did.

The book is written by David Cameron Gikandi.

The actual subtitle of the book is: “Your Quantum Leap Into The Understanding, Having And Enjoying Of Immense Wealth And Happiness.”

I believe that these teachings have been out there in one form or another since humanity began, many of which are referenced in the book, but you don’t really find them until you are seeking them.

Of course when you first start reading a book like A Happy Pocket Full Of Money, this kind of profound information can be hard to process right away. That’s why the author cautions readers to just read it through one time even if some of it doesn’t make sense. Just keep going because further chapters will make clear some things that you may not have understood in earlier chapters.

That was definitely my experience. There were plenty of “a-ha” and lightbulb moments throughout.

With some of the chapters, I would read them and my head would unconsciously be nodding in agreement and I’d catch a small smile coming over my face. It was coming from a “knowing” deep inside that this was actually The Truth about life. What made it so easy to hear and read was his style of communicating.

David Cameron Gikandi’s words are such a gift. It was like reading the words of a good friend or family member spoken with love, encouragement and most of all Truth.

Here’s a list of the subjects covered in the book:

* Money: An Illusion, A Shadow Of Something Else

* Quantum Physics: Knowing What You And The World Are Made Of

* Truth About Time: It Does Not Exist Except As You Say It Does

* Images Of The Mind: The Blueprints Of Life

* Thinking And Speaking: The Instructions Of and For Life

* Goals: The Roadmap To And In Wealth

* Being: First Cause, The Beginning

* Acting: That Which Receives

* Certainty: The Most Powerful Force And Antidote To Failure

* Cause And Effect: The Most Prime Law Of The Universe

* Conditions: They Are Fantastic Illusions

* Success: You Can Never Fail

* Want Not: Desire, But Never Ever Want

* Purpose: Why You Are Here

* Giving: It’s What It’s All About

* Gratitude: Seals The Deal

* Consciousness: You Experience What You Are Awake To

* The Self: The Architect Of The Universe

* One: All That Is

* Abundance: You Have It All

* Happiness: Life Is Joy And Joy Is Life

* Money: How To Use The Symbol

I guarantee that you’ll want to re-read A Happy Pocket Full Of Money a second time right away with the new awareness that you’ll have.

The author, David Cameron Gikandi, also wrote a companion book called …