Why Don't Insurance Companies Reward Us for Being Healthy?
Insurance is always a gamble, a bet actually. You are betting that you’ll eventually get sick or hurt. And your insurance company is betting that you’ll stay healthy. If you stay healthy your whole life, but still pay into insurance, that’s great for the insurance company. Actually, it’s great for you too, because you got to be healthy for your whole life. But you still lost the bet. So an insurance company is never going to reward you for being healthy. That’s not the terms of the bet. But here’s a secret. You can reward yourself. Here’s how. Open a Health Savings Account (HSA). Put as much money as you can into it. Tell your insurance company that you want to raise the deductible on your insurance policy as high as it will go. The deductible is the amount you have to pay before the insurance finally kicks in. Now sit back and relax. You are completely covered for any healthcare crisis. You can use the HSA money for the small stuff and your insurance policy will kick in for the big stuff. But… If you don’t get sick or hurt, the money will stay in the HSA. Then you’ll put in the same amount next year, and it will sit there again. Earning interest, too. After a while of being healthy, year-after-year, you’ll have tens of thousands of dollars sitting there. And when you retire, your HSA turns into an IRA – individual retirement account. You can take the money out and live on it. And guess what? It’s your reward for staying healthy. You rewarded yourself for staying healthy, and simultaneously covered yourself just in case you did get sick along the way. Happy retirement! Daryl Kulak is the author of Health Insurance Off the Grid, a book that provides a simple, effective plan to reduce insurance costs for the self-employed, unemployed and underinsured. The book is available at the Website http://www.healthoffthegrid.com |
Other Betting Tips Articles
NFL Draft Combine Before the NFL draft even takes place the NFL draft combine occurs. During this combine players are examined on both a physical and mental level. This allows NFL teams to make a better informed decision as to which players they should look at more carefully in the months leading up to the draft.But not every player gets to attend the NFL ...Your Transformation From Novice to Expert Texas Hold'em Poker Player Your transformation from novice to expert Texas Hold ‘em Poker player begins by making sound judgments using all the information that you have at your disposal. The acquiring of information begins even before your first two hole cards are even dealt to you.Before the first cards are even dealt you should begin by considering your positio ...Football Betting Trends to Keep an Eye on this Year Until last year, the past 10 years the winners of the Super Bowl are a combined 58-79 ATS for a lousy 42% win ratio following their Super Bowl victory. While the losers of the Super Bowl are even worse the following year at 64-94 for a 41% win ratio. Combined, that is a record of 122-173 ATS for a low 41% win ratio. I mentioned all these figures ...Interesting Facts about Gambling As with any recreational gaming, there is always a good deal of trivia associated with such games. So it is with gambling. Gambling has a rich and intriguing history, so much so that trivia lovers will surely adore the wealth of trivia facts pertaining to gambling. Let’s take a look as some gambling trivia facts below.Did you know all ...Finding a Poker Room to Suit You What is especially great in online poker games is the fact that you get to choose the card room that you will be participating in. Although in live poker games, you also have the same privilege, poker rooms online are vastly different.Perhaps one advice that professional poker players can give novices is that once you have found the perfe ...Soccer Betting Odds Soccer is definitely the most popular major sport in the world. Soccer is also known as football soccer in some countries. No matter how you call it, soccer betting attracts millions of fans every year to the stadiums, furthermore and is played and watched in almost every country.The FIFA world cup Germany 2006 is very cl ...Roulette Systems – The Best Way To Win At Roulette Enclosed If you want to stop losing at roulette, forget roulette systems that guarantee you’ll win. None of them work!To stop losing all you really need to know is how to bet with the best odds then Success will follow.The bets below can show you how to get the casino advantage down to just 1.24%, impressive considering roulette is a game ...The Casino Consultant Saves the Day Can you imagine a better job then being a casino consultant? For a person who is caught up in the ever growing fascination with gambling and related gaming then this type of job is as good if not better then being right there in the pit. The dealer deals and the cashier makes change but when you’re in the consulting business you have your hands ...How to Bet on Horse Racing So you’ve decided to get in on the exciting world of horse racing. But before you can throw down some money on the ponies, you’re going to need to know what kind of bets are available and what each one means. Read on, and all will be explained.First, let’s look at the three most common types of bets. They are to win, to place, and to s ...White Label Gaming – The Rich Man's Choice Let's face it. We all want to make that cold hard cash in bundles. Perhaps you started an Internet business—or will start one soon—to just get by or get rich. Unless you have your own product, it's to the affiliate program street for you. Is there a better alternative for the webmasters looking to get a taste of the action? Sure, those nice sign ...How to Select a Casino Gambling on the Internet has come up in a big way in the past few years. It has become an easy, convenient way to play some of the most popular games like Poker,BlackJack,Roulette,Baccarat, Video Poker, Slots, etc. that offer you the highest potential for maximizing your winnings or minimizing your losses, and are usually a part of every player' ...Baseball and Steroids- The Controversy There has been a lot of controversy about steroids in baseball. Does it enhance performance and what are the side effects. Are records today the result of steroids. And are athletes harming themselves.First of all, we need to understand what is a steroid. And why do players use it. Anabolic steroids are a synthetic version of the male ho ...Let it Ride Poker - Betting To Win Let it ride poker is fun and the ability to let your bet ride means that you have the thrill of making some big money to and this article is all about betting to winThe tips below can help you win the big pots you desire.We will now consider what to do (bet) after you receive the first three cards, and follow up what to do when you ...Inside the Boxscores Week 3 Part 2 Inside the Boxscores is a weekly feature from Matt Fargo that has been widely recognized as the best summation in college football. He takes an in-depth look at each game and pulls out the most pertinent information that will help you handicap games in the future. College football is filled with quirky plays, misleading scores and surprise endin ...Poker Table Position Strategy When you refer to your position at the table, you should think about the place you have in the poker room relative to the player that is the dealer for that specific hand. If you are the dealer for this hand, you find yourself positioned last to bet, so your position is the best as you can see everyone’s reactions and bets before you make up you ...Hyped and Over-hyped: A Brief look at College Basketball When taking a look at the Top 25 teams in the country, there are those you can count on to contend for a national championship and those who are over-hyped. I’m glad the pollsters got the #1 team in the land right, because there are some holes in the rest of the top 5.The Duke Blue Devils boast two pre-season all-Americans in silky smooth ...Top Online Casinos and Gambling Tips & Articles Articles: Online Casino Strategies Part IHow to Choose an Online Casino.An online casino is essentially a virtual land casino. While the games and the rules may be the same the environment and strategies change causing the online casino to become an independent entity.This means that while you may be a professional gambler a ...Golf Betting Gambling and betting in sports dates back to the age of Roman Empires and it has been blatantly and relentlessly used as a source of enjoyment in the sports . Betting in sports refreshes the spectator, puts a little life back in the game. And betters who win the bet have nothing but triumph that calls for celebration. Its luck that works but cle ...Breeders' Cup Analysis Judgment day is upon us in the Sport of Kings, as 121 of the top Thoroughbred racehorses in the world were pre-entered to run in the Breeders’ Cup World Championships at Churchill Downs Nov 5. There will be over $20 million in purse money on the line in the eight championship races, along with potential life-changing opportunities at the bettin ...Texas Hold'em Poker – A Novices Guide Part 1 Texas holdem is the poker player’s game of choice and where the big prize money is to be made. Many players want to play Texas Holdem to win and win big.Here we will cover the basics to get you started on your route to playing Texas Holdem and hopefully winning some big pots.In its no limit form, it is used now in world class poker ...Ten Poker Tips for Bigger Online Profits Many players wanting to play online poker for the first time think it is easier than it really is to make big money. While you can make big money, you need to be prepared.Here are ten tips that will help you maximize your winnings in online poker:Poker Tip 1: Know Your GameWhen playing online poker for the first time, it is ...Use Reliable Speed Figure Handicapping Software This is what reliable speed figure horse racing software should do for You:Convert running times into realistic speed ratings;Give You the ability to detect the true speed of horses shipping in from out-of-town tracks; ...Online Sports Gambling Laws Prior to delving into the world of sports betting online, many people stop to wonder if they are breaking any state or local laws. In most states, and even the federal government, have legislation about whether its legal or not to gamble online.Who Regulates Sports Betting?The regulations of gambling in the US were entirely discret ...Football Betting Betting on football is today one of the major activities for football enthusiasts. Football betting has become an easy way to earn some money, have fun and enjoy games with a different touch. Easily, football betting could become an every game activity for most of the football fans.Football betting is definitely not for everyone. You need ...A Beginner's Guide To Card Counting What makes blackjack more interesting than many other equivalent games is the fact that it offers a mix of chance with elements of skill and decision-making. Plus, the aura of “card counting” that lets a player turn the odds of a game in his favor, makes the game more alluring.What is card counting?: When a player says he is counting card ...The Benefits of Antique Slot Machines Maybe you are the type that likes to collect vintage cars, or even vintage clothing. Why not invest in antique slot machines for a classic look and feel? You can find a great selection of antique slot machines at Slot Machines USA or Alison novelties. There is a wide range in price, depending on the make and the age of the model. Antique slot ma ...Whip Yourself into Shape with Boxing Fitness Everyone seems to be concerned with their health these days. And with good reason, since the advent of processed foods and the degree of pollution in our cities, people’s health can really be in danger. To help combat these problems, health improvement facilities like gyms and spas have popped up on every street. But since traditional exercises ...Playing the Lottery? Why to Give It Up Playing the lottery is a source of fun for a lot of people. In small increments, it can be ok. But many people play when they can’t afford it - in fact, the vast majority of those who play the lottery simply shouldn’t be doing it. Why? Think about it - you pay at minimum a couple of bucks. You get, at most, a few seconds of pleasure if you win. ...Tips For Betting NFL Games Online Are you an NFL junkie? Do you like betting on your favorite team? Then you should try NFL betting online. There are numerous sports books available online for you to choose from accepting wagers from all over the world. Just like many other ventures the advent of the internet has led to an explosion in the both the popularity and the numbers of ...Baseball Tailgating When you think of tailgating what sport do you usually think of? More than likely your answer is football. The fact of the matter is that most people tailgate before football games; this is just tradition for fans all over the country. But have you ever thought about tailgating for a baseball game? If not, you should look into it the next time y ...Low-Cost Auto Insurance Does Not Always Mean Inferior Quality! When shopping for low-cost auto insurance, don’t automatically assume the less expensive insurance is necessarily inferior insurance. Robust marketplace competition inevitably results in lower costs, better product quality and improved customer service. Insurance companies aren’t willing to throw their money away on a losing deal; on the contr ...Tips To Ponder Before Buying A Poker Table Poker tables come in al shapes, sizes and prices.Folding poker tables are reasonable priced and can easily be stored away or brought with you to the cottage or a friend's houseRacetrack poker tables are probably the most popular tables on the market. They are a great choice if you are buying a permanent piece of furniture for your ...Slot Machines for Casino Gambling People There's a lot of available games to play inside a casino whenever somebody wants to go Casino Gambling. A gambler could pick to play card games, roulettes, and other games that have evolved over time. But among these, slot machines remain to be one of the favorites of people who love Casino Gambling.Slot machines have been around almost i ...Earning a Living from Online Casinos There are many ways of earning money. Most people go to work doing a nine to five job and getting paid for it. The coming of the computer age has allowed some people to work from the homes which have also been productive. If work can be done at home, can the same thing happen for someone who wants to do it from joining online casinos?Gamb ...Virtual Reality Golf Games According to common belief, golf is a rich man's game, but not anymore. Anyone can play it, and virtual reality lets you do so without even leaving your home. Even for those of you who have never been ardent golf fans, these games might prove to be quite addictive.Virtual golf games have an amazing level of detail. It's been proven that ...Winning at Caribbean Stud Poker - Made Easy! In truth, Caribbean poker is not poker at all, but a casino game based on poker. You play against the casino, as in blackjack, not other players. As you could expect, the odds favor the casino not the player, but you can tilt them in your favor my some clever strategyPlaying Caribbean Stud Poker.To begin you ante and you and the de ...
|
