Health Savings Account-Health Savings Account Info

wisemancumth asked:


Civil rights was not a partisan issue.

Instead of letting liberals define affirmative action being about race and woman. How about affirmative action being about financial need. If the black person or the woman is always the one who needs the job the most like Liberals claim, then they would get the job, raise or promotion so Liberals would be happy, but it wouldn’t be because of race which would satisfy Conservatives.

People have forgotten that Conservative proposed a lot of health care reform bills that the Dems were against, like health savings accounts, tax cuts and malpractice reform. I think Conservative could go further my supporting a Constitutional amendment requiring the states ( not the federal government) to assure affordable and fair access to healthcare to all it’s people.

help people get a job and want to work instead of just opposing welfare

everything liberal have come up with has made things worse. Affirmative action is now sexism and racism in the law. If Conservatives had proposed a more realistic limit to malpractise awards it would have had a better chance. If people had the choice of putting their social securtity tax in a savings account instead of the stock market that also might has passed

Hoping libs destroy themselves hasn’t worked because they are just taking the country down with them.

Roxann Gromoll

Eisenhower Republican asked:


People say that it will hike tax’s for the poor, it wont it will be easyer for the poor they will still receive tax returns..
We pay the second highest corporate tax next to Japan 30% of a product is tax , a 22% sales tax would lower prices on everything
The Tea Act-When the British stopped taxing the merchants and taxed the tea witch drove prices super low (The Americans got pissed since they were being taxed without representation) but its a truth of economics over 70% of economists approve it, It will increase exports since foreighn country’s wouldn’t have to pay our sales tax (I also forgot doesn’t tax food food prices will go down and it wont tax health care health care will go down) All you people that do not support it start

If you disagree give me a reason I’m wrong I would like to see it!

My cousin the economists Thoughts on it (word for word)

Sounds like a plan!

Bet it would reduce the tax code from over 1.1 million words to 139 pages. Explainable on one 3×5 card. So Transparent!

Would bring $11 trillion dollars home in offshore savings accounts.

Would make our products really competitive on the world market.

Everybody would pay, the rich pay more than the poor, and even our visitors would contribute!

We reduce the number of tax collection points from 100 million to just over 50 (states, the district, and territories)

We get a 20-30% boost in collectable taxes and fully fund the Federal Budget, Social Security, and Medicare.

We greatly reduce the IRS budget of $10 billion!
And NEVER fear them again! (I have been audited – be afraid -
BE VERY AFRAID!)

Make April 15th just another spring day!

I think you are right on the MONEY!

All the Best

Guillermo Flummer

Rhapsody asked:


I adopted a mixed dog from the Humane Society on May 20. I was told he was heartworm positive, but otherwise he was healthy. 2 days later my dog developed Kennel Cough and I found traces of intestinal worms in his stool. I took him to the vet and they charged me $231.51 to treat these problems and to do bloodwork for his upcoming heartworm treatment. I was told heartworm treatment would cost $600 to $1000, which is way more than I thought it would be. I had to wait for his cough to go away before scheduling his first heartworm treatment. When I took him in it cost $321.61 for part 1 of treatment, but in the x-rays a foreign object showed up. Now, I’ve been home with the dog constantly or he’s been in a crate so I doubt he swallowed something at my home. He was severely underweight when I took him home and he has had a lack of appetite since I got him. It’s been a struggle to get him to eat, sometimes I have to feed him by hand to get him interested. Now the vet says it’ll cost me $176 to bring him in and induce vomiting to see if the object will come up. If not, then the dog will need stomach surgery, plus his second part of heartworm treatment which will cost another $400. I don’t know how much surgery will cost.

I still have a week and a half to return the dog to the shelter and get a refund, return all of his belongings to Petco, and get a refund on the pet insurance that I bought but won’t cover because these conditions are pre-existing.

I was willing to cough up the $800 heartworm cost because even though I was mistaken about the cost (I thought it would be $200-$300) I knew that my dog had this problem. I am irritated about the other problems that the Humane Society didn’t tell me about, although they probably didn’t know cause he didn’t show any symptoms.

My mom and my fiance think I should return the dog since they think it’s ridiculous that I might have to pay for surgery. I’ve already spent $600 on vet bills and I really love the dog, so I don’t want to take him back. However, I only saved up enough money to get a dog and cover any minor health issues; I just graduated from college and I have to pay back my loans in 6 months so I shouldn’t empty out my savings account to care for the dog.

I’m really torn about what to do. I can’t stop crying when I think about it. I know the reasonable thing to do would be to return the dog since I was under the impression he was healthy and wouldn’t cost too much. But I have really enjoyed spending the last 2.5 weeks with my dog and he’s the sweetest thing. What should I do?
Yes I should have researched how much heartworm treatment cost, but I could only put the dog on hold for 24 hrs, my family was visiting in town, and I had to get supplies and clean house to make it ready for the dog. I AM WILLING TO PAY for the heartworm treatment, but can’t pay for the surgery too.

He has shown NO symptoms for the ingested object aside from being underweight with a low appetite, which he already had when I got him. It has not created a blockage, he poops 3 times a day. It’s unlikely that he ate it at my house since he hasn’t been left alone.

I have pet insurance just for situations like this one. BUT it doesn’t cover this because it happened during the policy waiting period.
Turns out he didn’t swallow anything. Additional x rays show that he has a BB embedded in his skin and the object near his stomach is a pellet from a gun. Somebody shot him twice.

Valrie Neil

Stop Ranting asked:


The reduction of the amount you can save in a medical savings account tax free is a direct and immediate tax on the middle class. Well, not the whole middle class, just those that are really sick. Where is the outrage?

The new tax on Union style health insurance (Cadillac plans) is a tax on the middle class. Where is the outrage?

The reduction of medicare funding by 500 billion is a tax on the poor. Where is the outrage?
Vicki, most “Cadillac” plans are held by Union middle class workers. If you believe the government is going to cut fraud and waste, I have a trillion dollar health care reform bill to sell you.

Dorian Osterhouse

ltvolt asked:


so in order to get free health care coverage under Obamacare you need to make below a certain threshold per year. Suppose I make no money but I have some savings in the back to live from. Does this savings count for yearly income? Does it all get taxed? Would you be considered in poverty?

Annabelle Hutchingson

Joey’s back asked:


actually believe that their senators and congresspeople care about them and their lives, health and tax increases. Republicans let our jobs go overseas, our boys and girls go overseas to fight an unjust war, our “working man safety measures” (pensions, insurance, even our savings accounts–in corrupt banks) lapse and be forgotten–all to benefit the heads of huge corporations who already have more money than the Creator–NOT to benefit their constituents. What are these regular citizens thinking when they laud and honor and speak up for these Reps?
EDIT: The war in Iraq IS unjust and illegal as it was based on the lies of Pres. Bush about WMD. And, yes, there WAS approval of it–by people who were duped by phony intel and lies! Halliburton and Chaney are some of the very few who received anything “good” out of this fiasco.
EDIT: idogene has the right answer!
EDIT: Agnes, I see you have some very interesting ideas. Perhaps you should run for office. You sound like so many of today’s “leaders”. (Nothing constructive whatsoever to say.) Too bad you have the same name as my mother–you certainly don’t sound like her!

Dianne

Future Mrs. N asked:


Im 30 weeks pregnant and I’ve been looking into health insurance policies for our soon-to-be newborn due in June. Because it’s too expensive to put her on my insurance ($400+ monthly) I’ve been looking on ehealthinsurance.com to find plans.

All these policies cover different things such as Rx, health savings accounts, maternity, etc. My question is, do I need to get a policy that covers maternity in order to get coverage for our newborn? I thought maternity was only for PREGNANT women but there are so many different definitions that I’m confused. Help me out please!

Also, I have my own insurance policy through my work and will not be needing this health insurance. It will only be used for the baby. Thanks!

Deana Lane

tcz asked:


Client Scenario
Paul is a 45 year old single parent with a 5 year old son, Tom. He is a head chef in a CBD located restaurant. He loves his job as it pays reasonably well and gives him the opportunity to create his own dishes, which he really enjoys. For a number of years he has been collecting recipes and even had one of them published in the Australian Women’s Weekly Best Ever Recipes book.
Being the head chef already, Paul does not really have any prospects for further advancement within the current organisation. Paul has no immediate plans to change jobs and will be quite happy staying in the same role up until his planned retirement. Paul would like to retire in 15 years, when he is 60 and then his child would grow up.
Paul is currently earning $70,000 pa before taxes. Given the nature of the industry, Paul does not expect significant pay rises in the next 10 years, but believes that his salary will at least keep up with inflation.
The family can live on a budget of $35,000 per year for food, clothes, entertainment, minor housing costs, petrol, etc. However, this budget does not include his other major costs of car insurance $500 and the family’s health insurance $1000. He currently does not have home owner’s insurance but is considering one costing $300 pa.
The home owner’s insurance is for $200,000 with QBE Insurance Limited. Among his personal property is an antique jewellery collection worth around $10,000 that he inherited when his grandmother passed away a few years ago. His car, which is fully paid for, is a 2007 Mazda 6 Hatch currently valued at $25,000 and is insured comprehensively with CGU Insurance Ltd with $500. Paul does not believe he needs any personal insurance. He does not have any life insurance, and also not have any private health insurance.
Paul owns a $250,000 town house and has a mortgage on it of $100,000 at a variable rate of 8% pa. The loan has a remaining term of 20 years with monthly repayments. Paul wants the loan to be gone by the time he retires. He would like to renovate his unit within the next three years which should cost around $20,000 but will add at least $40,000 in value. He would also like to save towards a deposit for an investment property (another similar townhouse) within the next five years.
Paul has a small parcel of direct shares valued at $20,000 which earn 5% dividend per year as well as a $5,000 term deposit invested with a major bank, earning 6.5%. Paul is not sure whether he should maintain these investments. He also has an ANZ saving account containing $20,000 and earning 1% pa interest. He also has a cheque account with ANZ which currently contains $3,000 and earns zero interest.
Over the recent years Paul has been concentrating on paying off the home loan, but now is not sure if he should be focusing on pumping money into 401(k) instead. The employer contributes dollar for dollar up to 9% of his salary. Paul has $150,000 accumulated in his 401(k) so far. He would like to have a lump sum when he retires that is enough to cover his expected retirement living costs, which he believes will be close to $30,000 per year (all inclusive, in today’s terms). Paul feels that the 401(k) will not be enough to get him the required lump sum, and he is considering if he should use his after tax money to set up an IRA. Paul is not sure how he can afford any additional contributions, as in the next 10 years he is planning to take holidays every two years that will each cost $2,000. He would also like to continue with his car changeovers every five years, which is expected to cost $15,000 net each time. Assumption: Social Security Benefit accounts for 35% of retirement expenditures.
Paul wants to save for Tom’s college by setting up a Coverdell Education Savings Account.
Paul is not happy with his pension fund where his current 401(K) are invested, as it has limited investment options and relatively low returns with the balanced investment option. Paul would like to change to a convenient platform that has a good selection of asset specialised funds that he can tailor to match his aggressive risk profile, even if it means paying higher fees. He would also like a similar investment platform for his non-pension investments.
You have been engaged by Paul as his financial planner and your role is to prepare a comprehensive Pre-Retirement Financial Plan (Statement of Advice) for him based on the information provided.

You are required to answer following questions:
1.What is Paul’s current situation including a table summarising what you consider to be the client’s important details, balance sheet and income statement, including short comments on potential areas of concern with the client’s current financial situation and investment strategies?
2. What are the goals and objectives?
3.How much more life insurance does Paul need to buy? What life insurance policy features would you look for? Do they have adequate health

Troy

Annie asked:


I’m 62 in good health and single……I have a pension and social security and I’m almost debt free….Savings accounts don’t pay anything anymore and I don’t need to look ahead 15-20 years….So my question is where and how to invest, I have about $1200 a month to invest, so where do I put it?

Tiara Reznicek

Water Over Gold asked:


http://news.yahoo.com/s/bloomberg/20090717/pl_bloomberg/an4v8v6rua4u

The Senate can still pass a health- care overhaul with some Republican support by August even with the “wacky” cost estimates by the Congressional Budget Office, Senator Charles Schumer said.

Senate Finance Committee Chairman Max Baucus thinks his panel can draft a bill by July 21 or 22, Schumer, the No. 3 Democrat in the Senate, said in an interview with Bloomberg Television’s “Political Capital with Al Hunt,” airing today.

“Our preference far and away is for a bipartisan bill,” he said. “If we can’t come to a bipartisan agreement, the Finance Committee will report out a Democratic bill.”

Schumer, of New York, said the CBO’s assessment that health-care costs would rise doesn’t take into account savings from preventive care and efficiencies in the system.
zaphod………”25+ years – legal profession”

Seriously??

Teresita Holbein