Health Savings Account-Health Savings Account Info

Monica M asked:


It is over 1900 pages long; it has 400,000 words in it; it weighs in at just over NINETEEN POUNDS, and it is FIVE TIMES LONGER THAN THE NEW TESTAMENT.

Congress had 3 days to review it and even if they DID get thru the entire bill, PELOSI IS MAKING CHANGES TO IT WITHOUT THEIR KNOWLEDGE OR CONSENT.

Congress is being strong-armed by White House gangster Rahm Emmanuel – you know, the guy who sends politicians a dead fish if they oppose him…….yeah, thats just one of the crooks Obama moved from Corrupt Chicago machine-politics, over to the White House.

WHAT IS ACTUALLY BACK IN THE PELOSI BILL AFTER THE PUBLIC RALLIED ALL SUMMER LONG AGAINST HER BILL?

These are back:
1. The largest expansion of abortion funding ever in our history. You get to pay for every idiot woman who chooses not to “dance all night”.
Not only abortions, but this expansion allows LATE TERM AND PARTIAL BIRTH ABORTIONS AS WELL. It also does not allow for the conscience clause for those medical people who refuse to do abortions on religious or moral grounds. They will get fired.

2. “evidence-based intervention” teams – these “teams” will arrive at your personal residence with a warrant in one hand, and a syringe in the other to innoculate you and/or your children. No opt out, no appeal, no discussion unless you want to spend a few months in jail.

3. Ronald Reagan felt that it was unfair to raise a person’s taxes if they get a raise, IF inflation eats up that raise. Pelosi is repealing that “tax indexing” so that if you get a raise at work, but your rent, electric, phone, car insurance, food, etc ….all went up in cost and eats up that raise….PELOSI STILL WANTS YOU TO PAY THE HIGHER TAXES, regardless of what inflation is doing. This is full of nerve, since Obama plans to skyrocket our electric bills to raise them over $1700.00 per year, per household, AND…his economic policies are causing everything to go up in price. IF THIS HEALTHCARE BILL IS PASSED, EVERY PERSON’S QUALITY OF LIFE WILL GO DOWN DRAMATICALLY, REGARDLESS OF YOUR INCOME BRACKET.

3. Government will be able to access AND WITHDRAWL money from your personal bank accounts in real-time; they will electronically transfer money out of your bank account to help pay for whatever medical treatment they approve for you. The money will go missing, and then you will get a letter saying where it went and why, WITHIN THIRTY DAYS. Thought you had the rent in the bank all ready to be paid, huh? NOT ANYMORE, BECAUSE PELOSI CAN TAKE YOUR MONEY AS EASILY AS YOU CAN.

The healthcare reform bill is the biggest intrusion into American Citizens private business that we have ever seen by Government. Most of the Bill doesn’t even deal with your health: it is full of Affirmative action laws, regulations keeping small businesses from growing, regulations making hospitals and doctor offices under the direct management of government, AND QUESS WHAT: REMEMBER THOSE DEATH PANELS EVERYONE JOKED ABOUT? They have already been put into place BACK WHEN THE STIMULUS BILL WAS PASSED: thats why Obama wanted it signed calling it “urgent”; he didn’t want anybody to read it, remember?? Death panels are back now in the Pelosi bill. This Council of politicians, not doctors, will decide what you get, if you get it, and when you get it. That goes for life-saving medications as well.

OH, BUT THE AMERICAN MEDICAL ASSOC IS BACKING THIS:
The AMA only consists of barely 20,000 doctors AND PELOSI HAS PAID THEM OFF WITH BILLIONS OF DOLLARS TO AGREE WITH THIS BILL. Same thing with AARP; they are promised that they will be allowed to survive while ALL OTHER INSURANCE COMPANIES WILL DIE A SLOW DEATH.

NO, YOU WILL NOT KEEP YOUR PRIVATE INSURANCE: The provision in the Pelosi bill is clear: if there is any tiny change to your policy: you add/delete a child or spouse, you move, you change jobs, or your premium goes up or down – IT VOIDS OUT YOUR POLICY,
AND: you legally cannot purchase another private insurance plan, AND, you legally cannot go without insurance; it will be mandatory by law that you enroll in the public option. Welcome to govt takeover of healthcare.

FOLKS, READ THIS HORRIBLE BILL AND DO SOMETHING BECAUSE IT IS A GOVT POWER GRAB LIKE NO OTHER WE HAVE EVER SEEN IN AMERICA.

Sebelius, the Health and human services director, MIS-COUNTED AND SHORTED AMERICA BY 77% ON THE NUMBER OF FLU SHOTS NEEDED. NOW WE HAVE A DANGEROUS SHORTAGE.

BUT WE ARE GOING TO TRUST HER TO RUN 1/6 OF OUR ECONOMY AND DECIDE OUR CHILDREN’S MEDICAL CARE?

ENOUGH IS ENOUGH. Pelosi knows that 87% of Americans do not want any changes to their medical care OR their insurance. She ignores us or else she insults us.

SO I ASK ESSPECIALLY OF YOU WHO WANT THIS REFORM:

MY GOD, HAVE YOU READ THE BILL?

Ping Balding

Penny de Vries asked:


My hubby is 57 & saves $20,500 + employee contribution in his company’s 401k per yr. I am 40 & save $1333 per month in an investment account &I also contribute a portion of that to my SEP. We also put away approximately $15k-20K a year in another investment account. We have a financial advisor who oversees our accounts. My husband will have a company pension of about 45% of his ending income. We have no bills except for my husband’s early retirement car (BMW 335i cvrtbl) which is financed at 4.20% for 24 months and we owe 20 more payments. My question is, are we doing the right thing? The stock market is horrible and it’s hard to keep sending in money to our investment accounts. We have a reg. savings acct for emergencies. His job is very secure (Oil Drilling Company) and I’m self employed & thanks to Katrina my business is steady..Can anyone suggest anything else?Life/health insurance is good. Two kids in college no loans. no credit card debt. Email me for more information
When he retires he’ll also rec. a lump sum of about $70k.
Sorry..forgot to add only serious people please. The first two posts were stupid. Trying to see what other savings or investing vehicles may be availble

Ezra Alexandropoul

F .A asked:


I’m trying to go vegan or at least mostly vegan on account of concerns for health, bieng grossed out after reading “Fast Food Nation”(never liked fast food, but don’t think i like meat anymore either) and also visitng a poultry slaughter house, and kinda feeling bad for the animals that die for people like me to eat them when I could just eat something else instead.(not that me changing would save any animals, but it would make me feel a little better : ) ) Anyway, I’m hungry! I know the simple stuff, salads, mixed vegtable and rice, basic soup ect. – but thats about it. I’m sixteen and I don’t really know how to cook well, i mean- I can use the stove without burning down the house, but If you were havng a dinner party and wishing to impress someone you wouldn’t want to hire me as kitchen staff. My skills are qiuet mediocre. Does anyone know of sites that offer vegan recipes for crappy cooks like me? Also, if you have links to or descriptions of favorite recipes those are good too. If YOU are a vegan, any other info you think i need for becoming vegan I’d greatly appreciatte it.

p.s nobody has to tell me about vegatarians/vegans not getting b12, i already know- I plan to eat small amounts of fish and/or take supplements.

Neva Crofts

mostpopular2010 asked:

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Deborah

RWT asked:


Sorry this is so long, I’m a little worked up.

My husband and I are arguing about how to pay the taxes and insurance on our house. When we bought the house, I made the down payment from the sale of the house I had before we got married. He was going to pay back half of the down payment after he sold “his” house. “His” house still isn’t on the market a year later. When we applied for the mortgage he didn’t want an escrow account and agreed to pay the taxes and insurance when it was due.

We both have very good incomes but he makes twice what I make. We have completely separate finances. I pay for our health/life insurance, our groceries, my credit card bills, my car expenses, the maid and anything else we need for the house as well as trips and vacations out of my salary. He pays the mortgage and utility bills and his own credit card bills and car expenses. This leads to a little resentment on my part because he’s always buying expensive toys for himself and then claiming to be broke when it’s time to contribute to our IRA or we need something for the house or something needs to be repaired. The nice thing is we rarely fight over how we spend our money and each have a lot of freedom to do as we please.

Now the taxes and insurance are due on the house and he’s mad because he thinks I should pay half. I’m fine with splitting all of our expenses as long as we split the money that’s leftover as well. He doesn’t think that is fair because he makes more than I do and should have more discretionary money.

Am I being unfair here to think that he should pay the taxes and insurance? If I had known I would be responsible for half, I’d have been saving a little every month. If I pay my half, I won’t have any savings left and he’ll still have over $20,000 in his checking account.
I agree with all of you that we should be working as a team on this but he refuses to sit down and talk about a budget. I’ve always thought of everything as “ours” but that mentality is getting me taken advantage of (at least from my perspective).

I also agree that we need counseling, but he doesn’t want to do that either.

Dominique Swofford

zoe asked:


What are things you have done to save money? I’ve many so many changes since two years ago, so I’m listing everything I’m doing now that I used to not do before. Here goes:

Electricity
-I unplug everything that is not in use. I save about half of my electricity.
-I try to do all or most of my homework during the day. When its dark, I go to the library which is 2 minutes away and closes late so I wont use the lights at home.
-I use my laptop and I charge it at school, library, or starbucks.
-Over the summer, forget the air conditioner. I use a fan (and I always turn it off when I leave the room) or I stay outside and go hang out in air conditioned places.
-My family tends to stay in the same room so we have the lights on in only one room at a time
-We use fluorescent lightbulbs. They use so much less energy (75% less) and last a lot longer than regular ones (I used to have to replace my bulbs every 2-3 months. Now with fluorescent lightbulbs I haven’t had to replace it in over two years)

Extra Expenses
-I dont have internet. I use someone else’s wireless.
-I don’t have cable. You can find almost any show online at Hulu.com or something. Maybe even youtube. Besides, getting rid of cable means you’ll have the TV turned on less often and you’ll save electricity.
-I used to have netflix and paid $20 a month. Then I realized I can get almost all of these movies for free at the library! For those movies I cant get at the library, netflix has this thing where you can put your account on hold for 90 days at a time.
-When I go to the movies, I buy a child’s ticket at the machine (they rarely really check anyway) and I see more than one movie at a time.

Transportation
-Since I live in New York City, we dont have a car. That way we dont have to pay $300+ monthly on parking.
-For New Yorkers, sharing an unlimited metrocard with friends and family saves so much money.

Food and household products
-I always eat at home and I take my own lunch to school
-When buying groceries or household items, I never get anything full price. Always one sale!
-Eat less. I used to overeat a lot. I spent so much money on food and I got sick more. Now I eat normally and I spend less money on food and medical expenses and I have a better body.
-It’s really cheap, but I usually go into fast food restaurants and take napkins. I haven’t bought paper towels in over a year.
-I go to Costco’s often (I carpool with friends) and I save SO much money.
-I dont buy water bottles. $1 a day or twice a day is too much. I save $30-$60 per month and I buy a refillable SIGG bottle and get water from home.
-I dont usually buy name brands.

Medical
-To avoid constant trips to the doctor’s office, I have a notebook full of questions so I can ask him all these questions in one visit. When he prescribes something, I ask him for samples. If I need to get the prescription, I avoid the pharmacy and get them online. Much cheaper.

Pets
-They’re really expensive. Expect to pay over $60 monthly on food alone. One annual check up with the vet can easily cost you $300. Emergencies/medications/surgeries can cost you thousands of dollars. If you dont have pets, then I suggest you keep it that way. But if you really want one or you already have pets and dont want to find them a new home (like me!), then you can still save.
-I always buy my cats things on sale. And I mix their litter with shredded paper. That way one 25lb box of litter lasts about 4 months.
-Don’t overfeed your pets. Same reason you shouldnt overeat. More food expenses and more health issues.

Entertainment/ Vacation
-You dont always have to spend money. Hang out with friends at home, have a picnic (money on food, but that’s minimal if everyone pitches in).
-There are places that are free on certain days. For example, here in NYC, the bronx zoo is pay what you wish on wednesdays. For me that means free. The Met museum of art is always pay what you wish.
-I tend to go on vacation when prices are cheaper. So I avoid holiday vacations and long weekend vacations.

Living Space
-If you’re really short of cash, which many New Yorkers are, you can always rent a spare bedroom. You’d be surprised at how much people would pay for a bedroom in NYC.

I also don’t use toilet paper at all. I just wait until I shower the next day to clean myself.
Just kidding.

Since I started doing all these things, we’ve saved up at thousands of money annually.
I just wanted to put some of these ideas out there and maybe find out what other people are doing?
Dan, I get what you mean, and I’ve thought of it too. But when we share metrocards, its not like we go out of our way to share it. We usually have different schedules. I commute in the morning and she commutes at night, so we thought it didnt make sense to buy two metrocards. If we needed to though, we would buy a second one.
And I figured if someone didnt want someone else to use their wireless, they would use a password, right?

Reggie Portwood

mission_viejo_california asked:


As 77 million members of the Baby Boom generation begin to retire, America is about to experience one of the most dramatic economic, sociological and demographic changes in its history. The institutions we have relied upon in the past are completely unprepared for what lies ahead.

Politicians, the national news media and the general public have become increasingly aware that our federal entitlement programs are about to be swamped. Social Security, Medicare and Medicaid have made trillions of dollars of explicit and implicit unfunded promises. In fact, by 2030 (about the midpoint of the baby boomers’ retirement years), we will have to double every tax rate or cut every benefit in half.

But our problems do not end there. Federal, state and local governments have made $5 trillion in promises (many of which are unfunded) to civil service workers. Corporate America owes about $450 billion in pension promises and $350 billion in post-retirement health care promises that are also unfunded.

To make matters worse, the instruments we have created to help individuals save for their own retirement – principally through 401(k) accounts — are also not working well. In general, people are not saving enough, and they are not prudently investing the funds they do save.

Behind our inadequate institutions are inadequate public policies. For example:

* On balance, the tax law encourages current consumption, but discourages saving for consumption during retirement.
* Even more important, the tax law encourages overconsumption of health care before retirement, but discourages saving for what are likely to be greater health needs later in life.
* The American answer to the European-style welfare state has traditionally been employer-provided benefits. Yet:
* Unwise public policies are encouraging large employers to abandon pension and post-retirement health care promises made to their employees.
* Other policies are preventing employers from helping employees make their own provision for income and health care during the retirement years.
* The policies that are most inadequate for the baby boomers’ retirement years are those affecting early retirees. In general:
* People who retire early will find that their opportunities to save are much more restricted than those available to people still in the workforce.
* They will find that health insurance is not only more costly when purchased by individuals, but the insurance (unlike insurance obtained at work) must be purchased with after-tax dollars.
* Once they begin drawing Social Security, they will discover that if they earn additional income, say by working part-time, they will face draconian effective tax rates – taking as much as two-thirds of what they earn.
* And even if they don’t work for wages, they will discover that the tax rates on their pension income and IRA withdrawals are much higher than the rates paid by younger taxpayers at the same income level.

Christopher

Rebecca asked:


Nothing stupid, don’t give me immature answers. I’m not talking about WHOA! BEING ABLE TO GET A TATTOO! No. I’m talking about the fact that I want to move out and I’m not sure what the first step would be. I’m going to get a job this year and hopefully I’ll be able to save enough to at least get a used car before I turn eighteen, and possibly save a little money to move out? Not sure, hopefully I’ll find a good roomate by then. I also plan on going to college so do you think that I’d be able to help pay rent AND go to college at the same time? Realistically…probably not, but is there ANY way I can try? Health insurance, where would I go for that? Bank account (obviously at a bank, but how)? What else are you supposed to do as soon as you turn eighteen? I really do want to know, it’s about time I grow up. I’ve been through this a few times with my mother but all she can do is yell at me. Quite frankly I’m tired of arguing which is the reason WHY I want to move out as soon as I’m able to.

Thank you.
Thank you SO much for your advice guys

Jutta Train

Tyler G asked:


My mom has full custody of me and up until last week i have lived with my mom and then we got into a argument and she drove me to my dads.. so basically kicked me out. I have lived with my dad now for about a week with no communication from my mom. She didnt let me bring anything but my shoes for the first few days and then my stepmom went over there and made her pack a bag for me with a few things.. jus a few clothes. Nothing else. Np phone, laptop or any of my money that is mine that i left over there. She finally decides to call me today and im completly nice to her but then she says i cant have any more clothes or anything if i wanna stay at my dads. Which i have decided i am going to live here because first of all my mom cant even afford health insurance on me so i cant even go to the dentist. My dad can fully support me on health, college, and everything. He even said he would open a account to put my child support into that would jus be saved for when i go to college. Im 16 and a senior in highschool right now. And i am suppose to go to the beach in 6 days with my boyfriend who i complely love and my dad and stepmom wants me to go so that i can get my mind off things for a week and just have fun. But my mom said that i cannot go. But like i said i have decided i wanna live with my dad so he should have rights to let me go. What can my dad do to get him at least some rights as quickly as possible? Becuase like i said my mom cant hardly even afford to put dinner on the table and my dad is acually successful and easily can. Financially he is way better off. Theres gotta be some way that he can easily get some rights fast since i have been living with him for the last week. My mom has no problem with me living here if i decided to..which i have decided i want to. Please help me. Thank youu!

Erika Tropp

?*´`*•. mommy?*´`*•. asked:


Well Im due in about 5 more days, and Im still working. My husband works in construction and I work in a small office.
ever since we got married he said we have to split the bills and mortgage. (Even though he makes way more than me, and his mother lives in our home for free!!) I thinks its so unfair!! But thats ok, until about a month ago! I am due in about 5 more days with my 1st baby, and Im still working 2 days a week, I pay for my own health insurance thru work, but now that I leave I will have to pay my health insurance, and unfortunately I will not have paid leave of absence. So I will not be making any money for the next 2 1/2 months. And my husband expects me to pay the same amount of money a month $500.00 plus my my health insurace and my bills!!! even if im not working! I feel horrible! its not like its just me whos pregnant, why is he doing this to me! Luckily I have my own money saved in my bank account but its not much, but I will be left with nothing when go back 2work

Quinn Beelar