How to Safely Remove Paint Transfer From a Vehicle Without Scratching

How To Properly Remove Paint Transfers From Your Automobile

It’s been staring you in the face now for weeks. Taunting you every time you walk past your car. Those unsightly red marks on your nice white bumper that just showed up one day when you went to the grocery store. No matter how hard you scrub when you wash your car they never seem to go away! Those red marks are referred to as paint transfers and by following these steps you can finally say, “Good Bye!”, to those unsightly blemishes.

Things You Will Need:

  1. Water Hose
  2. Water Hose Nozzle
  3. 5 Gallon Bucket
  4. Automotive Washing Soap
  5. Automotive Washing Brush
  6. Water Blade
  7. Drying Towels
  8. Automotive Clay Bar
  9. Automotive Clay Bar Lubricant
  10. Automotive Cutting Compound
  11. Automotive Cutting Compound Pads
  12. Automotive Detailing Polish
  13. Polish Pads
  14. Automotive Wax (A High Grade Acrylic Sealer Wax is Recommended)
  15. Automotive Wax Pads
  16. Microfiber Towels

STEP #1: Place enough automotive car wash soap to cover the bottom of your 5 gallon bucket and fill with water using your water hose and water hose nozzle.

STEP #2: Rinse your entire vehicle using the high pressure position on your water nozzle to rinse free any loose dirt from your vehicle.

STEP #3: Using your automotive wash brush and soap to clean your entire vehicle.

STEP #4: Rinse the vehicle clean of automotive soap.

STEP #5: Using your water blade, make long continuous strokes from top to bottom to remove water from the vehicle.

STEP #6: After the majority of the water from your vehicle has been removed with your water blade, use your drying towel to completely dry the exterior of your vehicle, paying close attention to seems and joints where water collects. NOTE: not completely drying your vehicle to hinder the following processes.

STEP #7: After your vehicle has been completely dried, spray the Automotive Clay Bar lubricant generously over the paint transfer area. Immediately after apply the lubricant gently take the automotive detailing clay and gently, using a back and forth motion paying close attention not to apply any undue pressure, rub the clay onto the paint. The automotive detailing clay removes any foreign particles that may have bonded to your paint. These particles can cause scratches and swirl marks during the compounding, polishing and waxing process if not removed. After you have completed the clay bar process use your microfiber to wipe the excess lubricant from the area.

STEP #8: Apply a small amount of automotive cutting compound to your compound pad and place onto the paint transfer area. Gently cover the entire paint transfer area with the cutting compound. After you have covered the paint transfer with cutting compound begin to make quick, circular motion with the cutting pad applying a generous amount of pressure. After the cutting compound has become semi translucent, buff off with your microfiber towel. NOTE: This process may need to be repeated if the paint transfer is still present.

STEP #9: Once the paint transfer has been removed apply a small amount of automotive detailing polish to your polish pad and with tight, circular motions apply to the compounded area until you can longer see the polish. Once you can longer see the polish buff the area with your microfiber towel.

STEP #10: After the automotive detail polish has been buffed clean, apply your wax to your wax pad and in tight, circular motions apply wax to the compounded and polished area. Once the wax has been applied and has turned to a white haze, buff the area with your microfiber pad until all the excess wax has been buffed clear.

NOTE: Generally during a professional detail the entire vehicle will have the automotive detail clay process applied to the vehicle as well as the waxing process.

Windscreen Essentials

A windscreen’s or a windshield’s main function is to serve as a wind and debris cover for people inside and sometimes even supports the vehicle’s frame. Manufacturers configure the screens aerodynamically to not affect the vehicle’s performance. Some even have special substances integrated into them to protect the eyes of the passengers from UV rays. Without windshields, a driver can have difficulty controlling the vehicle. Here some things you need to know in taking care of your windscreens.

Causes of Damage

There are different reasons for your vehicle’s windshield to crack. Here are some of the most common ones:

– Direct Collision: This is the number one cause of shield cracks in road travel. There are small particles and debris that may be invisible to the eye due to your speed in highways. These particles can be gravel, tiny rocks and stones. A car in front of you can propel a small stone strong enough the chip the windscreen glass. The cracks leave room for moisture to accumulate and spread the cracks to the whole windshield gradually.

– Structural Flaw: This reason comes with the vehicle’s old age. When manufacturers make windshields, they unconsciously create weak points at the glass edges. This is because the particles at the edge have no stable gripping. Additionally, builders designed the middle part of the glass to stretch and absorb shock while the edges endure the heavy load.

– Cold Weather: The windscreen reacts to temperature whether it is hot or cold. The difference between the outside and inside temperature can cause distortions to the class that lead to small cracks.

– Hail Storm: Although these events are rare. A windshield suffering damage from a hailstorm renders it to be irreparable.

The small fissures that these factors can cause are unnoticeable. It can make the fracture spread, however, if unaddressed, causing danger to the passengers.

Dangers of Cracks

The most apparent drawback of having cracked windscreens is reduced visibility. One cannot drive without proper vision thus this proves very dangerous to anyone riding the vehicle. Additionally, if the damage becomes significant, the car’s structure might fail, causing the front of the vehicle to cave in unsuspecting passengers. It can also cause the airbags not to release properly, turning simple injuries to fatal ones. windscreen repair is important to continue using the vehicle.

Repairing the Dent

You can buy windscreen repair kits that you can actually use to repair the damage yourself. Bear in mind that these kits are good only for one-time use and may not be applicable to older cracks so repair the dents as soon as you notice them. Be mindful that these kits provide repair for inch long fractures, not the ones that cover the windshield already. Clean the screen before you try to apply the repair kit. Using it on a surface full of dirt and debris can make the resin less effective. Inspect the repair when you are done to make sure you did it correctly.

Installing a New One

There are times when windscreen repair are no longer possible. You can purchase quality windshield glasses from certain dealers but be sure not to do the installation by yourself.

Home Remedies for Hemorrhoid Treatment – 4 Simple Home Remedies

Piles or hemorrhoids are inflamed varicose-like veins of the rectal area that cause rectal bleeding during defecation as its commonest symptom. Other symptoms could include pain, itching, burning sensation and mucus discharge.

Even though piles are not life threatening, when they cause the unpleasant symptoms of pain, burning sensation and itching they can make life very unbearable.

If you are experiencing these terrible symptoms you should seek for how you will get rid of them to relieve yourself of unnecessary suffering.

How do you get rid of hemorrhoids?

To cure piles you can either make use of conventional treatments or you can make use of Uncategorized home based remedies.

Uncategorized cures gives you the advantage of experiencing minimal or nil side effects and most of them can be applied discreetly within the privacy of your home.

Uncategorized hemorrhoid remedies that can be used at home include the following:

1-Mustard seed

Mustard seed powder blended with yogurt can be eaten to relieve the symptoms of this disease. You should take a glassful of buttermilk after eating this mustard seed mixture. This Uncategorized blend is very useful in giving prompt relief of symptoms.

2-Citrus fruits peel

You can peel citrus fruits like lemon and pomegranate. You then boil these peels in hot water and after cooling you should take a glass of this water twice a day; in the morning and in the evening.

The peel of citrus fruits contains a lot of certain chemicals called bioflavonoids which have Uncategorized anti-inflammatory and tissue strengthening properties to heal and strengthen the rectal and anal veins.


You can also consume buttermilk made from cow’s milk. To spice this milk you can add some peppercorns, ginger and rock salt. If taken at least twice daily, this milk can help to relieve the symptoms of this ailment promptly.

4-Black mustard seed

Another Uncategorized cure for piles can be made by grinding 10 grams of black mustard seed into fine powder. Add about 150 ml of goat milk to the powder and you can then sweeten the mixture by adding 5 grams of sugar.

If taken early in the morning, this mixture is a very good treatment for bleeding piles.

You must however realize that as good as these home remedies are in relieving your symptoms, using them alone will not give you the total and complete cure that you desire. To be completely healed of the symptoms of you have to add some essential diet and lifestyle changes to your treatment.

Cash Advances – Are They More Seamless Than Ever?

We are all fallible and subject to imperfections that we usually have little control of altogether! One minute we think we’re doing alright and the next, we are strapped for cash like never before. Sure you’ve been there, right?

What is coming in in terms of money is simply not enough to suffice when all the expenditures ‘come a knocking’! Cash advances are sometimes referred to as a short term ‘safety net’ whereby utilizing your next payday the leverage or basis for the transaction.

It can allow you to catch your breath long enough to ‘put out any fires’ that tend to smolder in the distance. This concept is far from new and until just recently, has been fully perfected in the online financial environments. The internet lenders are more seamless than ever and much less ‘choppy’ than your local pawnshop or cash advance store down the road.

You major benefits are savings! What do you save? Time is one of the primary goals people look to achieve in terms of savings. This is done with many 1 hour advance lenders who have practically the quickest turn around times lending cash on earth!

In addition, you don’t have to spend any money on gas getting there or risking you physical health in route. This can be huge if you don’t live near a payday loan store anywhere. Cash advanced in an online capacity shields your privacy more readily than any physical lender could do for you; because at that point, your identity and what your there for, is exposed.

Turn around times are fabulous and only getting better as well as overall costs associated. Therefore, it is an excellent time now(if your inclined) to obtain a fast cash advance via a highly reputable lender on the web!

Cheap Car Insurance and Car Safety – Safe Speeds to Drive At

Most motorists, in fact anyone who travels in a car regularly, will be well aware that there are speed limits on most roads, in fact on every road although some roads do not actually have road signs on them showing speed limits. Different speed limits have been introduced on different roads in virtually all countries over the last few years, in large part as a safety measure in order to reduce road traffic accidents and fatalities result from such accidents.

Most motorists regard speed limits as something they observe not out of respect for the safety implications but more because of the risks involved if they get caught speeding. Some motorists will undoubtedly respect speed as an issue on the roads and will adjust their speed accordingly including regarding the proper observation of speed limits on most roads.

Speed as an issue is hugely important in road safety and correspondingly in relation to car insurance. When people are learning to drive they inevitably drive much more slowly and cautiously than they do once they had passed their test and gained some level of experience of driving on roads. Much of that driving slowly and cautiously is actually not very safe driving because it is done more out of fear than out of a respect for the need for a certain speed in relation to the road conditions being driven upon.

As people progress in terms of levels of driving experience, inevitably they tend to drive faster in large part because they feel safer within their vehicle and therefore more confident. It’s quite rare if not unusual that motorists will at a conscious level, decide what speed is relevant to the situation now driving.

Most countries will have speed limits for all roads that are being driven upon. Certain countries will have a top speed for their motorway or highway or interstate and will have much lower speeds for city and urban and metropolitan areas. Most major cities and towns will have much lower levels of speed around schools and areas where there are children present. The penalties for speeding in these areas and in other areas can be quite severe.

There will inevitably be a fine often have quite a significant and actual amount, they will normally be a number of penalty points on driving licence. There will sometimes be an automatic disqualification for a period of time depending on speed being done, and in some instances if there were fatalities a time in prison might be the punishment as well. In fact in certain states in America, in the south, as you enter the state that a large signs advising you that anyone caught speeding will face $1000 fine, loss of licence and possible imprisonment as a consequence.

The above is obviously intended as a deterrent, but is not something that should be tested. It is worth pointing out that quite often roads will not have signs up advising the speed limit, but that doesn’t mean that there isn’t one – there is. There will be a speed limit on every road driven upon, even minor ones, virtually wherever you live. It is quite often a national policy in a country not to display what is a normal speed limit for certain roads. It’s normally only where there is a difference in the speed limit either lower or upper that it is advised to make this by way of a road sign.

Health Savings Accounts – An American Innovation in Health Insurance

INTRODUCTON – The term “health insurance” is commonly used in the United States to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a non-insurance social welfare program funded by the government. Synonyms for this usage include “health coverage,” “health care coverage” and “health benefits” and “medical insurance.” In a more technical sense, the term is used to describe any form of insurance that provides protection against injury or illness.

In America, the health insurance industry has changed rapidly during the last few decades. In the 1970’s most people who had health insurance had indemnity insurance. Indemnity insurance is often called fee-forservice. It is the traditional health insurance in which the medical provider (usually a doctor or hospital) is paid a fee for each service provided to the patient covered under the policy. An important category associated with the indemnity plans is that of consumer driven health care (CDHC). Consumer-directed health plans allow individuals and families to have greater control over their health care, including when and how they access care, what types of care they receive and how much they spend on health care services.

These plans are however associated with higher deductibles that the insured have to pay from their pocket before they can claim insurance money. Consumer driven health care plans include Health Reimbursement Plans (HRAs), Flexible Spending Accounts (FSAs), high deductible health plans (HDHps), Archer Medical Savings Accounts (MSAs) and Health Savings Accounts (HSAs). Of these, the Health Savings Accounts are the most recent and they have witnessed rapid growth during the last decade.


A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States. The funds contributed to the account are not subject to federal income tax at the time of deposit. These may be used to pay for qualified medical expenses at any time without federal tax liability.

Another feature is that the funds contributed to Health Savings Account roll over and accumulate year over year if not spent. These can be withdrawn by the employees at the time of retirement without any tax liabilities. Withdrawals for qualified expenses and interest earned are also not subject to federal income taxes. According to the U.S. Treasury Office, ‘A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care.

HSA’s enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.’ Thus the Health Savings Account is an effort to increase the efficiency of the American health care system and to encourage people to be more responsible and prudent towards their health care needs. It falls in the category of consumer driven health care plans.

Origin of Health Savings Account

The Health Savings Account was established under the Medicare Prescription Drug, Improvement, and Modernization Act passed by the U.S. Congress in June 2003, by the Senate in July 2003 and signed by President Bush on December 8, 2003.

Eligibility –

The following individuals are eligible to open a Health Savings Account –

– Those who are covered by a High Deductible Health Plan (HDHP).
– Those not covered by other health insurance plans.
– Those not enrolled in Medicare4.

Also there are no income limits on who may contribute to an HAS and there is no requirement of having earned income to contribute to an HAS. However HAS’s can’t be set up by those who are dependent on someone else’s tax return. Also HSA’s cannot be set up independently by children.

What is a High Deductible Health plan (HDHP)?

Enrollment in a High Deductible Health Plan (HDHP) is a necessary qualification for anyone wishing to open a Health Savings Account. In fact the HDHPs got a boost by the Medicare Modernization Act which introduced the HSAs. A High Deductible Health Plan is a health insurance plan which has a certain deductible threshold. This limit must be crossed before the insured person can claim insurance money. It does not cover first dollar medical expenses. So an individual has to himself pay the initial expenses that are called out-of-pocket costs.

In a number of HDHPs costs of immunization and preventive health care are excluded from the deductible which means that the individual is reimbursed for them. HDHPs can be taken both by individuals (self employed as well as employed) and employers. In 2008, HDHPs are being offered by insurance companies in America with deductibles ranging from a minimum of $1,100 for Self and $2,200 for Self and Family coverage. The maximum amount out-of-pocket limits for HDHPs is $5,600 for self and $11,200 for Self and Family enrollment. These deductible limits are called IRS limits as they are set by the Internal Revenue Service (IRS). In HDHPs the relation between the deductibles and the premium paid by the insured is inversely propotional i.e. higher the deductible, lower the premium and vice versa. The major purported advantages of HDHPs are that they will a) lower health care costs by causing patients to be more cost-conscious, and b) make insurance premiums more affordable for the uninsured. The logic is that when the patients are fully covered (i.e. have health plans with low deductibles), they tend to be less health conscious and also less cost conscious when going for treatment.

Opening a Health Savings Account

An individual can sign up for HSAs with banks, credit unions, insurance companies and other approved companies. However not all insurance companies offer HSAqualified health insurance plans so it is important to use an insurance company that offers this type of qualified insurance plan. The employer may also set up a plan for the employees. However, the account is always owned by the individual. Direct online enrollment in HSA-qualified health insurance is available in all states except Hawaii, Massachusetts, Minnesota, New Jersey, New York, Rhode Island, Vermont and Washington.

Contributions to the Health Savings Account

Contributions to HSAs can be made by an individual who owns the account, by an employer or by any other person. When made by the employer, the contribution is not included in the income of the employee. When made by an employee, it is treated as exempted from federal tax. For 2008, the maximum amount that can be contributed (and deducted) to an HSA from all sources is:
$2,900 (self-only coverage)
$5,800 (family coverage)

These limits are set by the U.S. Congress through statutes and they are indexed annually for inflation. For individuals above 55 years of age, there is a special catch up provision that allows them to deposit additional $800 for 2008 and $900 for 2009. The actual maximum amount an individual can contribute also depends on the number of months he is covered by an HDHP (pro-rated basis) as of the first day of a month. For eg If you have family HDHP coverage from January 1,2008 until June 30, 2008, then cease having HDHP coverage, you are allowed an HSA contribution of 6/12 of $5,800, or $2,900 for 2008. If you have family HDHP coverage from January 1,2008 until June 30, 2008, and have self-only HDHP coverage from July 1, 2008 to December 31, 2008, you are allowed an HSA contribution of 6/12 x $5,800 plus 6/12 of $2,900, or $4,350 for 2008. If an individual opens an HDHP on the first day of a month, then he can contribute to HSA on the first day itself. However, if he/she opens an account on any other day than the first, then he can contribute to the HSA from the next month onwards. Contributions can be made as late as April 15 of the following year. Contributions to the HSA in excess of the contribution limits must be withdrawn by the individual or be subject to an excise tax. The individual must pay income tax on the excess withdrawn amount.

Contributions by the Employer

The employer can make contributions to the employee’s HAS account under a salary reduction plan known as Section 125 plan. It is also called a cafeteria plan. The contributions made under the cafeteria plan are made on a pre-tax basis i.e. they are excluded from the employee’s income. The employer must make the contribution on a comparable basis. Comparable contributions are contributions to all HSAs of an employer which are 1) the same amount or 2) the same percentage of the annual deductible. However, part time employees who work for less than 30 hours a week can be treated separately. The employer can also categorize employees into those who opt for self coverage only and those who opt for a family coverage. The employer can automatically make contributions to the HSAs on the behalf of the employee unless the employee specifically chooses not to have such contributions by the employer.

Withdrawals from the HSAs

The HSA is owned by the employee and he/she can make qualified expenses from it whenever required. He/She also decides how much to contribute to it, how much to withdraw for qualified expenses, which company will hold the account and what type of investments will be made to grow the account. Another feature is that the funds remain in the account and role over from year to year. There are no use it or lose it rules. The HSA participants do not have to obtain advance approval from their HSA trustee or their medical insurer to withdraw funds, and the funds are not subject to income taxation if made for ‘qualified medical expenses’. Qualified medical expenses include costs for services and items covered by the health plan but subject to cost sharing such as a deductible and coinsurance, or co-payments, as well as many other expenses not covered under medical plans, such as dental, vision and chiropractic care; durable medical equipment such as eyeglasses and hearing aids; and transportation expenses related to medical care. Nonprescription, over-the-counter medications are also eligible. However, qualified medical expense must be incurred on or after the HSA was established.

Tax free distributions can be taken from the HSA for the qualified medical expenses of the person covered by the HDHP, the spouse (even if not covered) of the individual and any dependent (even if not covered) of the individual.12 The HSA account can also be used to pay previous year’s qualified expenses subject to the condition that those expenses were incurred after the HSA was set up. The individual must preserve the receipts for expenses met from the HSA as they may be needed to prove that the withdrawals from the HSA were made for qualified medical expenses and not otherwise used. Also the individual may have to produce the receipts before the insurance company to prove that the deductible limit was met. If a withdrawal is made for unqualified medical expenses, then the amount withdrawn is considered taxable (it is added to the individuals income) and is also subject to an additional 10 percent penalty. Normally the money also cannot be used for paying medical insurance premiums. However, in certain circumstances, exceptions are allowed.

These are –

1) to pay for any health plan coverage while receiving federal or state unemployment benefits.
2) COBRA continuation coverage after leaving employment with a company that offers health insurance coverage.
3) Qualified long-term care insurance.
4) Medicare premiums and out-of-pocket expenses, including deductibles, co-pays, and coinsurance for: Part A (hospital and inpatient services), Part B (physician and outpatient services), Part C (Medicare HMO and PPO plans) and Part D (prescription drugs).

However, if an individual dies, becomes disabled or reaches the age of 65, then withdrawals from the Health Savings Account are considered exempted from income tax and additional 10 percent penalty irrespective of the purpose for which those withdrawals are made. There are different methods through which funds can be withdrawn from the HSAs. Some HSAs provide account holders with debit cards, some with cheques and some have options for a reimbursement process similar to medical insurance.

Growth of HSAs

Ever since the Health Savings Accounts came into being in January 2004, there has been a phenomenal growth in their numbers. From around 1 million enrollees in March 2005, the number has grown to 6.1 million enrollees in January 2008.14 This represents an increase of 1.6 million since January 2007, 2.9 million since January 2006 and 5.1 million since March 2005. This growth has been visible across all segments. However, the growth in large groups and small groups has been much higher than in the individual category. According to the projections made by the U.S. Treasury Department, the number of HSA policy holders will increase to 14 million by 2010. These 14 million policies will provide cover to 25 to 30 million U.S. citizens.

In the Individual Market, 1.5 million people were covered by HSA/HDHPs purchased as on January 2008. Based on the number of covered lives, 27 percent of newly purchased individual policies (defined as those purchased during the most recent full month or quarter) were enrolled in HSA/HDHP coverage. In the small group market, enrollment stood at 1.8 million as of January 2008. In this group 31 percent of all new enrollments were in the HSA/HDHP category. The large group category had the largest enrollment with 2.8 million enrollees as of January 2008. In this category, six percent of all new enrollments were in the HSA/HDHP category.

Benefits of HSAs

The proponents of HSAs envisage a number of benefits from them. First and foremost it is believed that as they have a high deductible threshold, the insured will be more health conscious. Also they will be more cost conscious. The high deductibles will encourage people to be more careful about their health and health care expenses and will make them shop for bargains and be more vigilant against excesses in the health care industry. This, it is believed, will reduce the growing cost of health care and increase the efficiency of the health care system in the United States. HSA-eligible plans typically provide enrollee decision support tools that include, to some extent, information on the cost of health care services and the quality of health care providers. Experts suggest that reliable information about the cost of particular health care services and the quality of specific health care providers would help enrollees become more actively engaged in making health care purchasing decisions. These tools may be provided by health insurance carriers to all health insurance plan enrollees, but are likely to be more important to enrollees of HSA-eligible plans who have a greater financial incentive to make informed decisions about the quality and costs of health care providers and services.

It is believed that lower premiums associated with HSAs/HDHPs will enable more people to enroll for medical insurance. This will mean that lower income groups who do not have access to medicare will be able to open HSAs. No doubt higher deductibles are associated with HSA eligible HDHPs, but it is estimated that tax savings under HSAs and lower premiums will make them less expensive than other insurance plans. The funds put in the HSA can be rolled over from year to year. There are no use it or lose it rules. This leads to a growth in savings of the account holder. The funds can be accumulated tax free for future medical expenses if the holder so desires. Also the savings in the HSA can be grown through investments.

The nature of such investments is decided by the insured. The earnings on savings in the HSA are also exempt from income tax. The holder can withdraw his savings in the HSA after turning 65 years old without paying any taxes or penalties. The account holder has complete control over his/her account. He/She is the owner of the account right from its inception. A person can withdraw money as and when required without any gatekeeper. Also the owner decides how much to put in his/her account, how much to spend and how much to save for the future. The HSAs are portable in nature. This means that if the holder changes his/her job, becomes unemployed or moves to another location, he/she can still retain the account.

Also if the account holder so desires he can transfer his Health Saving Account from one managing agency to another. Thus portability is an advantage of HSAs. Another advantage is that most HSA plans provide first-dollar coverage for preventive care. This is true of virtually all HSA plans offered by large employers and over 95% of the plans offered by small employers. It was also true of over half (59%) of the plans which were purchased by individuals.

All of the plans offering first-dollar preventive care benefits included annual physicals, immunizations, well-baby and wellchild care, mammograms and Pap tests; 90% included prostate cancer screenings and 80% included colon cancer screenings. Some analysts believe that HSAs are more beneficial for the young and healthy as they do not have to pay frequent out of pocket costs. On the other hand, they have to pay lower premiums for HDHPs which help them meet unforeseen contingencies.

Health Savings Accounts are also advantageous for the employers. The benefits of choosing a health Savings Account over a traditional health insurance plan can directly affect the bottom line of an employer’s benefit budget. For instance Health Savings Accounts are dependent on a high deductible insurance policy, which lowers the premiums of the employee’s plan. Also all contributions to the Health Savings Account are pre-tax, thus lowering the gross payroll and reducing the amount of taxes the employer must pay.

Criticism of HSAs

The opponents of Health Savings Accounts contend that they would do more harm than good to America’s health insurance system. Some consumer organizations, such as Consumers Union, and many medical organizations, such as the American Public Health Association, have rejected HSAs because, in their opinion, they benefit only healthy, younger people and make the health care system more expensive for everyone else. According to Stanford economist Victor Fuchs, “The main effect of putting more of it on the consumer is to reduce the social redistributive element of insurance.

Some others believe that HSAs remove healthy people from the insurance pool and it makes premiums rise for everyone left. HSAs encourage people to look out for themselves more and spread the risk around less. Another concern is that the money people save in HSAs will be inadequate. Some people believe that HSAs do not allow for enough savings to cover costs. Even the person who contributes the maximum and never takes any money out would not be able to cover health care costs in retirement if inflation continues in the health care industry.

Opponents of HSAs, also include distinguished figures like state Insurance Commissioner John Garamendi, who called them a “dangerous prescription” that will destabilize the health insurance marketplace and make things even worse for the uninsured. Another criticism is that they benefit the rich more than the poor. Those who earn more will be able to get bigger tax breaks than those who earn less. Critics point out that higher deductibles along with insurance premiums will take away a large share of the earnings of the low income groups. Also lower income groups will not benefit
substantially from tax breaks as they are already paying little or no taxes. On the other hand tax breaks on savings in HSAs and on further income from those HSA savings will cost billions of dollars of tax money to the exchequer.

The Treasury Department has estimated HSAs would cost the government $156 billion over a decade. Critics say that this could rise substantially. Several surveys have been conducted regarding the efficacy of the HSAs and some have found that the account holders are not particularly satisfied with the HSA scheme and many are even ignorant about the working of the HSAs. One such survey conducted in 2007 of American employees by the human resources consulting firm Towers Perrin showed satisfaction with account based health plans (ABHPs) was low. People were not happy with them in general compared with people with more traditional health care. Respondants said they were not comfortable with the risk and did not understand how it works.

According to the Commonwealth Fund, early experience with HAS eligible high-deductible health plans reveals low satisfaction, high out of- pocket costs, and cost-related access problems. Another survey conducted with the Employee Benefits Research Institute found that people enrolled in HSA-eligible high-deductible health plans were much less satisfied with many aspects of their health care than adults in more comprehensive plans People in these plans allocate substantial amounts of income to their health care, especially those who have poorer health or lower incomes. The survey also found that adults in high-deductible health plans are far more likely to delay or avoid getting needed care, or to skip medications, because of the cost. Problems are particularly pronounced among those with poorer health or lower incomes.

Political leaders have also been vocal about their criticism of the HSAs. Congressman John Conyers, Jr. issued the following statement criticizing the HSAs “The President’s health care plan is not about covering the uninsured, making health insurance affordable, or even driving down the cost of health care. Its real purpose is to make it easier for businesses to dump their health insurance burden onto workers, give tax breaks to the wealthy, and boost the profits of banks and financial brokers. The health care policies concocted at the behest of special interests do nothing to help the average American. In many cases, they can make health care even more inaccessible.” In fact a report of the U.S. governments Accountability office, published on April 1, 2008 says that the rate of enrollment in the HSAs is greater for higher income individuals than for lower income ones.

A study titled “Health Savings Accounts and High Deductible Health Plans: Are They an Option for Low-Income Families? By Catherine Hoffman and Jennifer Tolbert which was sponsored by the Kaiser Family Foundation reported the following key findings regarding the HSAs:

a) Premiums for HSA-qualified health plans may be lower than for traditional insurance, but these plans shift more of the financial risk to individuals and families through higher deductibles.
b) Premiums and out-of-pocket costs for HSA-qualified health plans would consume a substantial portion of a low-income family’s budget.
c) Most low-income individuals and families do not face high enough tax liability to benefit in a significant way from tax deductions associated with HSAs.
d) People with chronic conditions, disabilities, and others with high cost medical needs may face even greater out-of-pocket costs under HSA-qualified health plans.
e) Cost-sharing reduces the use of health care, especially primary and preventive services, and low-income individuals and those who are sicker are particularly sensitive to cost-sharing increases.
f) Health savings accounts and high deductible plans are unlikely to substantially increase health insurance coverage among the uninsured.

Choosing a Health Plan

Despite the advantages offered by the HSA, it may not be suitable for everyone. While choosing an insurance plan, an individual must consider the following factors:

1. The premiums to be paid.
2. Coverage/benefits available under the scheme.
3. Various exclusions and limitations.
4. Portability.
5. Out-of-pocket costs like coinsurance, co-pays, and deductibles.
6. Access to doctors, hospitals, and other providers.
7. How much and sometimes how one pays for care.
8. Any existing health issue or physical disability.
9. Type of tax savings available.

The plan you choose should according to your requirements and financial ability.


1 Questions and Answers about Health Insurance- A Consumer Guide’ published jointly by the Agency for Healthcare Research and Quality (AHRQ)and America’s Health Insurance Plans (AHIP)
3 2002 AHIP Survey of Health Insurance Plans
4 “How High Is Too High? Implications of High-Deductible Health Plans” Davis, Karen; Michelle Doty and Alice Ho. The Commonwealth Fund, April 2005
6 HSA/HDHP CENSUS 2008 by Hannah Yoo, Center for Policy and Research, America’s Health Insurance Plans
7″HEALTH SAVINGS ACCOUNTS Early Enrollee Experiences with Accounts and Eligible Health Plans” John E. Dicken Director, Health Care.
8 Thomas Wilder and Hannah Yoo, “A Survey of Preventive Benefits in Health Savings Account (HSA)Plans, July 2007,” America’s Health Insurance Plans, November 2007
9 Gladwell, Malcolm, “The Moral Hazard Myth”, The New Yorker (29-08-2005)
10 2008 Benchmark Survey HAS Bank
11. Employer Health Benefits 2007 Annual Survey, Kaiser Family Foundation
12. Health Savings Accounts and High Deductible Health Plans: Are They An Option for Low-Income Families?Catherine Hoffman and Jennifer Tolbert for Kaiser Family Foundation, October 2006
13. Medicare Prescription Drug, Improvement, and Modernization Act of 2003

Immediate Cash Loans – Ravel the Abstruse Fiscal Problems

Immediate cash loans are another name for unsecured and short term loans that are endowed to those people, who are in urgent need of money to ravel the abstruse fiscal problems. These financial helps are immediately approved and some of them are even managed for the financial victim individuals within a very short span of time. Hence, people can take care of their adverse standings without any hindrance. Lenders always come up with these loans to help the needy people in dire straits. They do not check past and current credit history of the borrower because they work on focus of dealing out the best financial helps to the borrowers to meet various fiscal requirements.

Lenders have arranged immediate cash loans for both good creditors and bad creditors because there is no credit check procedure. In actual fact, these loans are available in unsecured forms that enable people to acquire immediate money without pledging any collateral as security against the loan. Thus, people are scared to avail the standard loans because of losing their collateral; they can consider cash loans the best to carry out their financial needs.

With the succor of these loans, the applicants can derive a loan amount up to £1,500 that is sufficient to unsnarl all complicated fiscal problems. These finances are quite popular throughout UK because immediate cash loans not only help you in your pressing needs but also assist you ameliorate your poor credit records so that you might fetch instant money hereafter based on your improved credit records.

Even if you want to acquire these loans without any trouble, the best way is to apply via online mode. There are so many online lenders who deal out loans at quite comparatively low interest rate together with delightful reimbursement terms and conditions. Just make a systematic analysis so as to get your hands on an amazing and delightful loan deal. As a matter of fact, you must vigilantly exam the loan terms and conditions so that you might keep yourself sage and sound from any hurdle hereafter.

10 Shopping Tips – Fashionable Finds Are Possible For Under $25!

When it comes to shopping sometimes the $20 sandals flatter you more than the $400 designer sandals. Style is not in the price, but in your approach. You can get more for less if you are savvy about your shopping. Fashionable finds are possible for under $25. How do you do it? Here are 10 Tips to think about when you’re out on a shopping expedition:

1. You Can Find Deals in Unexpected Places.

I got a purse for a steal at a Nine West shoe store in New Jersey. Not a shop I would normally think of to buy a purse. But I spotted it in the front window and fell in love. (Although maybe not as deeply as with my husband.) When I went into the store to ask a sales clerk about it, I thought this gorgeous tan satchel would be expensive. It looks like something that would be appropriate in Grace Kelly’s or Audrey Hepburn’s wardrobe closet. But now it’s in my closet.

2. Set Your Budget and Stick with It.

Yes, you’ve probably heard this before. However, forced to work within a box, you will come up with creative ideas. One year for Christmas, I set a working budget of $25 each for my nieces and nephew. Instead of getting them each one gift, I got them a number of small funky gifts and they each had 3 presents to open. It made opening gifts more exciting for them.

3. Read fashion magazines to get an idea of the trends.

Many clothing companies with budget-happy fashion lines will replicate the “look” or “feel” of pricey designer fashion. I read everything from New York magazine and the NY Times Fashion to Vogue, Elle and fashion catalogs to see what’s happening out in the fashion world. Go to your nearest public library and those fashion mags are FREE! If you learn what is cutting edge then believe me you will find cheaper versions of the trends. Or you will learn how to put an outfit together in your own expressive way.

4. You can find reasonably priced gifts at even the most expensive stores.

For example when I go online to Saks Fifth Avenue I can look under the gift category “Under $50.” Today for “$25 and under” I find: a Kate Spade notecard set, a hip style book on Dolce and Gabbana and Fresh waterlily soap—all would make lovely gifts. The price is so reasonable for the soap you could even include a little something else so that the recipient has another gift to open–always more fun. Go to a pricey chocolate shop. Then buy the smallest, but always tasteful box, sometimes under $15. Put it in a nice gift bag with the heavenly scented waterlily soap. Your gift card can read: “You deserve a little elegance in your life.” What friend wouldn’t be flattered.

5. Be open to new opportunities.

When I travel to new cities I like to explore new shops. I usually end up in the artsy section of town. To me that means galleries, museums, maybe a university–and fun shopping. I collect business cards of the stores I love and make notes or take pictures of what they have so I can call them and order from them later. If a town has a college or university it has plenty of stores with low prices to satisfy the students. And me too.

6. Know your own style.

Allow your self the luxury of an expensive item that you just can’t pass on. Especially if it defines “YOU.” Find deals for other purchases. I coveted a $99 sweater from J.Crew, but then I bought a purse for only $20 for a wedding. You can justify the expensive purchase. The sweater will last for years, amortizing into less money. If I wear the sweater often, cost-wise it pays for itself, while the wedding purse I might only use that one time.

7. Accessories are inexpensive ways to refashion the look of your outfit.

An $8.00 leopard print scarf I bought at H&M compliments my chartreuse cardigan, jeans and black boots. It’s a dressy-casual look that suits my style. And the scarf goes just as well with a knit purple dress and heels. A few strategically picked accessories means less outfits to buy.

8. Consider buying your purchases in the months they are traditionally on sale.

If you’re not in a rush to buy new towels then why not wait until January or August. Or if you thinking of painting your bedroom Robin Egg blue, that paint will be cheaper in April.

9. Sign up for email blasts from your favorite stores.

Stores will alert you to their sales and often give email subscribers exclusive discounts. You will learn about sales before the average customer. Then instead of spending a fortune on the skirt you admired earlier in the season you can scoop it up at a bargain.

10. Shop from your home and comparison shop online.

Yeah, why not. Shop in your pjs, my favorite way to shop. What do you think?

Where Payday Loans Spending Are No Way, Jose

You will not be questioned as to purpose and plan when you avail of payday loans. You can use it for whatever you want, however way you want, whoever you want, and whenever you want. You only need to pay your debt on time.

However, there are certain things that you will be well advised not to spend payday loans on. You will get into trouble with your self, your family, your society and with your government if you do decide to splurge on these activities.

Illegal Drugs

Fast fact: In Canada, the annual economic costs of the trade in illegal drugs exceed $5 billion that includes health care for drug addicts, lost work productivity, criminal offenses and law enforcement.

When you spend your payday loans on illegal drugs, you are contributing to this humungous amount that could be better used for other government projects like education. Closer to your pockets, you will be spending more than $40,000 annually to support your drug habit, which should be enough to finance your education for the same year!

More than the financial costs to society and to your wallet, you are subjecting yourself and your family to emotional and physical costs that cannot be quantified as easily as economic costs to society.

Consider these: broken relationships, domestic abuse, arrests and jail time for crimes committed to feed your habit, lost job opportunities, infectious diseases including sexually transmitted ones, and other physical ailments.


Fast fact: Spouses and children of compulsive gamblers suffer abuses at the hands of their husbands/wives and fathers/mothers. Also, research studies always point to children of compulsive gamblers showing higher rates for pathological gambling, tobacco, alcohol and drug use and overeating.

When you decide to gamble your payday loans in casinos, sweepstakes, lotteries, and online betting, you likewise decide to expose your spouse and children to abuse, neglect, addictions of every kind, and even prostitution. What might be a harmless one-time bet today can turn into a harmful full-time occupation tomorrow.

Soliciting for Sex

Fast fact: In Canada, prostitution per se is not prohibited by law as a crime. However, you will run into many criminal laws that make activities related to prostitution, including solicitations for sex, criminal and therefore punishable.

Let us count some of the ways you can be punished for soliciting sex with your payday loans:

– Mere communication about purchasing and actually buying the sexual services of an individual under the age of 18 – six months jail time
– Attempting to and/or conducting the purchase of sex in a public place even if the individual in question is over 18 years of age
– Performing sexual acts in public places even if it is inside your parked car
– Allowing to operate, actually operating and working in a bawdy-house and even offering someone for a visit to a bawdy house are punishable by law

And need you be reminded of the dangers of prostitution to your physical and mental health? Consider these: sexually transmitted diseases like HIV and AIDS, sex addictions and broken marriages.

Indeed, you availed of payday loans to cover emergencies – births and deaths, dates and weddings, health and hearth, medical and bills exigencies, to name a few. You definitely want to solve your financial problems with cash advances, not to aggravate your financial condition!

Different Types of Car Wax

Having a car has been one of the essential means of transport from one place to another. The car will always come in handy and for most people the car is an extension of their personality and what better way to make your car match your personality than when cleaning it. When it comes to cleaning it depends with the frequency you use your car that will determine the number of times the car will be washed meaning that if the car is used on a daily basis and it goes to places that are dusty and muddy then every evening might be just the perfect time to be washing your car.

It is easier to use your own resources at home to wash the car instead of taking the car to a car wash where apart from the costs incurred to wash the car also in some cases the cleaning might not be up to your standard hence you will be forced to redo the work again. The best advice is washing the car at home which is cheaper and easier and also you can tell where the dirt is and can always do the work as many times as possible.

Once the cleaning is done then you will be required to wax the car. When it comes to waxing one of the reason your car will deserve this utmost care is because of the paint on the car. Every single day that you are using the car you will be exposing it to numerous version and types of weather from rain, snow to sun with each competing to destroy the paint done on it. All this at the end of the day will either change the painting or even in extreme cases the paint will start peeling off. This implies the wax is an important aspect for cleaning the car, and you will be assured of that polished finish on the car once the car has been waxed.

When it comes to waxing the car and the car wax, there are various types of the wax that you need to consider, for example we have the Uncategorized wax that is got from Uncategorized products be it honey or even plants. One of the characteristics of the Uncategorized wax is that it is expensive since they are the best in the market and provide long durability time for the car paint and therefore it will be money’s worth when bought. Another wax type is the synthetic wax which is manufactured without the Uncategorized products, this means that it is on a large scale market and hence cheaper than the Uncategorized one although in terms of durability it is not as comparable as Uncategorized one.