Employers are seeing the benefits

The term mini medical plans bring up pictures of miniature versions of medical coverage. And in a way that is true. These plans come with limited coverage in order to keep medical costs under control. That means the covered person gets a limited number of visits to the doctor each year. The plan will cover some medical tests for a certain amount. The patient pays any amount over that coverage. Most do not cover preventative care visits. There is extra coverage for surgery, critical illness, accidents, etc. But it is not what a full plan would cover.

Who should consider taking out one of the mini medical plans? It may be a real option for those that cannot afford a comprehensive medical plan. The patient gets some medical coverage at an affordable rate. It does not cover everything and the people considering the coverage need to be aware of what is covered and what is not. That way there is no surprises. It is also a good option for people between jobs that want to maintain health care coverage. It will help cover doctors’ visits and give discounts on prescription medications. Again, education is crucial to find the right plan. True Coverage

What do mini medical plans normally cover? Each plan is a bit different. But the best plans offer a set pay plan on certain benefits. That means if you go to the doctor they will pay X amount and you cover the rest. If the insurance covers $75 for a doctor visit and your doctor charges $100, you pay the $25 difference. Most will provide a certain dollar amount for each day you stay in the hospital. Again, you cover the excess costs out of your own pocket. These policies are excellent options for people in good health.


Covered CA Requires Cancellation Of Your Plan

Covered CA Requires Cancellation Of Your Plan

California created a health insurance marketplace called, Covered CA. The federal government gave California over $900 Million to design, build, promote, and operate True Coverage

the Covered CA exchange through the end of 2014. In 2015, the Covered CA exchange must be self-sufficient and able to generate enough revenue to support it’s operation. To accomplish this, Covered CA has imposed an health exchange fee of $13.95 per person per month for everyone getting insurance through the exchange.

This health exchange fee will be paid by insurance companies starting in January 2014. Therefore, Covered CA wants to maximize exchange sign-ups during this initial open enrollment period. To increase the number of potential enrollees, Covered CA required participating insurance companies cancel their non-grandfathered health plans on December 31st.

Simple probability says that if you increase the number of people required to enroll, the odds are that more people will enroll on Covered CA. That’s why your policy was cancelled.

The insurance companies didn’t want to cancel your coverage, Covered CA cancelled your health plan.

Your Plan Provides “Poor Coverage”

The Obama administration decided to justify the discontinuation of your health plan by saying that most plans provided “poor coverage.” But they did not define what poor coverage was. Should you be glad that your low-cost health plan was cancelled so you can sign up for good coverage at higher prices?

Recently, Obama said the Affordable Care Act told you, “you’re going to get a better deal.” Let’s see if that’s true by comparing one of the popular current plans with a Bronze plan on the Covered CA exchange. We’ll compare benefits and prices using a couple in Orange county that is 46 and 50 years of age (this is an actual client example).


World’s Shortest URL For Short URLs

You knew it would happen. In a world of people posting links to links and URLs to URLs, a market has emerged to create shorter URLs. has been the forerunner in the field, but many others exist. These are all sites that create a short URL that will redirect to another, presumably longer one. It’s a forwarding service. best url shortener

In an effort to glean a corner of the short URL market someone decided to make it as short as possibly- That’s it, the entire domain name.

Surprisingly, there’s some controversy with domain name shorteners and in some cases they’re even banned. The trouble revolves around people using them to submit banned sites on comment boards. The hazards are fairly obvious to envision seeing as how you have no idea where you might end up when you click the link. This article outlines some common usage and pitfalls of URL shorteners.

A note of curiosity regarding the domain name itself, the .ly extension belongs to the country Libya. The domains are managed by and can be purchased through a certified reseller. Overall it appears to be a valid process, though I can’t shake the feeling of walking through a third world market trying to keep my wallet away from some guy’s pet monkey. The annual fee is ~$75/yr.

The other curious note about their domain is the 3. Try to register and it will tell you it’s an invalid domain. Apparently they lowered the bar for the .ly extension to a single character. is taking a stab at a market that’s already a couple hundred competitors full. So much for being first to the marketplace. But, they do have the whizzbang about them in that they truly have a short URL. Perhaps their biggest problem is that is doesn’t look like a URL at all. Unless you’re familiar with running from monkeys in the Mideast.


I entered the lecture hall, my phone vibrates

The day when she died, I was attending a lecture, my phone was in vibration mode. A girl sitting beside me told me that your phone is vibrating. I said its okay I’ll see after the lecture. But the phone was continuously in vibration. I went outside the lecture hall and picked up the call it was my sister, she talked to me as usual what’s up? Have you done your breakfast? etc. I told her it’s my lecture time, I’m busy I’ll call you later. One thing to mention as she was married, be mother

I thought she’s calling from her home. But that time she was at mother’s place. She said listen! Actually, she had no words how she talk to me about my mother. Remembered that, it was Tuesday and on coming Monday there was my final exam. She said can you come back home today? I said are you okay? I’m preparing for my exams. I’ll back after my exams. Bye, and I end the call.

As I entered the lecture hall, my phone vibrates again… And she said listen, Ami is coming to Lahore for the medical checkup as she had the fever so when you’ll be free? I said as they’ll reach I’ll be free. I’ll contact them after the lecture. I was doing all this non-seriously because that time nothing was serious for me, but my sister was thoughtful. Because that time my mother was suffering from 104 temperature, and doctors referred her to Lahore. I was unaware of all this. There was nothing bad in my mind. After 10 minutes I realized that something is going to be wrong with me. I started the calling at my home, each contact number was not responding. I tried a lot but I was helpless and started crying why all contacts are OFF? Briefly… (And then she died on way to Lahore)! And regrettably, I reached near to her deathbed 3-5 minutes before she buried.

I’m writing about my experience. Your experience might be completely different, but I’ll bet most of you can find some similarities between my experience and yours.

The first few days after your mother dies are going to feel like a blur. You will function only in that you will contact relatives, console family members, and go forward taking care of necessary tasks. Numbness is the perfect word for this time. After few days, it’s time for life to go back to normal, right? Wrong! Life will never be normal again. It will be different, but it will never be as it was. How could it be?

For the first few weeks, your relatives and friends will be wonderful. They’ll offer you lots of smiles and hugs. They’ll offer to take you to dinner and they’ll listen as you talk about how bad the pain is. You’ll hear a lot of “I’m here for you”, and “If there’s anything I can do” comments during this time.


Gosford’s racecourse is always busy

The region’s mode of transport has been buses and cars, but a long time ago, steam trains passed by the area. Relive those moments by going into the steam model co-op. Children can ride the model available and roam around the area for a measly $2.5. The steam model co-op is open during the first Saturday of the month. cbd oil

Gosford’s racecourse is always busy from people who bet and watch horse races. However, if you’re not too fond of betting, you can just dine on any of the fantastic restaurants found in the course. You have JH Little Stand and Brassiere Dining Room, which provides an excellent view of the betting ring as well as delectable dishes.

Mt. Penang Gardens is probably one of the most beautiful you’ll ever see in your life, and it’s very diverse too. The trees, shrubs, and flowers are all separated in a dozen garden rooms. A lot of men and women go to this garden to gain inspiration on what to do with their respective flower beds. If you wish to know more about each one of these rooms, you can request for a quick tour.

Are you ready for some challenge? How about going to TreeTop Adventure Park? There are close to 100 treetop adventure challenges that you have to go through to make the most out of your trip. Pass by the suspension bridges or slide your way town to Flying Foxes. Spend majority of your time close to 15 meters from the forest grounds.

The coastal waters are excellent for various water activities, one of which is cruising. There are several open motor boats available for hire. You can also obtain your diving certificate by taking any of the PADI courses offered by schools nearby


Avoiding Tax Return Mistakes That Could Cost You

Avoiding Tax Return Mistakes That Could Cost You
Did you know the average person spends approximately 12 hours preparing their income tax return? Have you started gathering all your information to prepare your 2018 return? Remember, if you spend all that time preparing your return, the last thing you want to do is make a mistake because you are in a rush. Mistakes, no matter how simple, can delay your refund. Below are some common mistakes that are made on tax returns and what you can do to avoid them.

Get Organized: If you don’t already have your tax information together you better start now. Missing information can have the potential of costing you unnecessary funds.

Improper Social Security # or incorrect ID: The SS# must match with what’s on your Social Security card because the IRS compares all returns with the Social Security Administration’s database. Also, it is easy to get to focused on the numbers that you forget to sign your return or even enter other necessary information. Even having the incorrect name can be a problem. These problems often happen after marriage or divorce, especially if you haven’t informed Social Security.

Filing Status Mistakes: There are five filing status options (Single, Married Filing Jointly, Married Filing Separately, Head of Household, and Qualifying Widow w/ dependent) that are used to determine your filing requirements (standard deduction, eligibility for credits, deductions and your correct tax. Choosing the best filing status for you is one of the initial steps in filing your return.

Math Errors and Miscalculations: With all those numbers you can enter on your tax forms, it is easy to make simple math mistakes. If the IRS finds those errors they may recalculate them for you but not to your advantage. So, it would be to your benefit to check your math before you send in your forms. In addition to possible math errors, there can be miscalculations linked to taxable income, withholdings, estimated tax payments, and misc. tax credits.

Incorrect Bank Account Numbers for Direct Deposit: It’s important to double check your bank’s routing number and your account number to ensure you receive your refund in a timely manner. Just as important is paying your tax on time to avoid possible penalties and interest.

Underreported Income: Don’t forget to add income from anything other than your place of employment. This includes interest income, savings dividends, rental income or funds from a second job. Make sure you total all your income statements (W-2s, 1099s, K-1s and 1098s). Remember, the IRS gets copies of all those forms as well.

Filing Late or even not at all: Many of us can get overcome with details and put off filing our returns on time or not at all. Sooner or later the IRS will discover your tardiness and you will get a bill for the interest and penalties for not following the rules. If you are unable to make the April 15th deadline, you can request a six-month extension and avoid these penalties if you pay any taxes due by the filing deadline.

Start Saving: Whether you owe the IRS or are expecting a refund it’s always good to be saving. Sometimes refunds get delayed so you can’t delay your bills waiting for your refund. Make sure you set aside a portion of your income now so you will be prepared to pay any unexpected payments.

Use your return sensibly: If you are expecting a return this year, make sure you use it wisely. Before you spend it, make sure you prioritize your financial needs and put the refund toward that.

My Tip To You: Make sure you prepare your tax return when you have fewer diversions. If you are interrupted or have annoying distractions, stop what you are doing and finish your return at a later time. A little extra time spent on your tax return will go along way to sending in an accurate return. By following these simple tips, you can safeguard you won’t get a letter from Uncle Sam letting you know you owe extra money.

So what are you waiting for? You don’t need to worry about your taxes. If you have questions, allU.S. Credit Union ( ) might have some answers and with the tips above you can get a head start on your 2018 returns and won’t be among many panicked people trying to beat the midnight deadline. If you’re expecting a refund, be sure to check out the great savings options at allU.S. Whatever your savings goal, going direct deposit with allU.S., makes perfect sense.


vacuuming and a cleaning solution

There is no scrubbing necessary and instead, regular vacuuming and a cleaning solution once a week is adequate. With the finish applied to laminate, the floors are resistant to scratches and water, giving extra time for cleaning up spills. As long as water is cleaned up quickly, it won’t cause the floorboards to warp. This is important to note while cleaning, as you don’t want to use an excess of water or cleaning solution on the floors.

Another advantage to the care of laminate is that it is cleaner and more hygienic for those with allergies or asthma. Laminate doesn’t collect dust and allergens as carpeting does, and it’s simple to vacuum or sweep up pet dander and debris, leaving behind a clean and dust-free floor. Best of all, the shiny finish on laminate allows it to continue looking new and brilliant for years to come.

With the affordable carpet cost and do-it-yourself installation methods, laminate continues to be a top choice for homeowners and landlords. And with more options for design, color and quality, it’s possible to achieve the look of hardwood without having to pay the price. Some of the best deals can be found online or through home improvement stores by browsing through local sales and clearance events.

Gina Hopkins writes about different home renovation tips and interior design projects using laminate flooring from Flooring America, out of St. Louis, MO. Always looking for the best bargain on renovation materials, she tends to end up shopping at more often than not.


Important SEO Benefits for Small Businesses

Important SEO Benefits for Small Businesses
SEO is often considered important for larger businesses, but it is just as important for small businesses that want to increase their reach and grow into successful organisations. SEO is helpful for small businesses in several ways, including allowing them to create websites that perform well and are user-friendly, enhancing search engine rankings and attracting even more potential customers.

Let’s go over some of the top benefits of SEO for small businesses.

User-Friendly Sites

SEO makes it possible for small businesses to have websites that are clean, smooth and user friendly. Although many people do not consider website optimisation a part of SEO, which is outdated thinking, optimising the speed and reliability of your site is one of the great benefits of SEO services. User experience is about more than just in-person interacts – it is any direct interaction with the consumer, including online users browsing websites.


Increase Traffic

As mentioned above, SEO makes it easier to attract more customers to your website. Why? Because your website will stand out from others and increase the number of individuals looking at your site and engaging with it. Businesses with SEO that has been optimised properly see many more customers than those who rely on older SEO techniques and strategies.

Enhanced Conversion Rates

Optimising your website makes it load much faster, makes it easier to read and all of your content will be properly displayed to customers on all of their devices, including tablets and smartphones. Websites that are highly accessible tend to be more successful, grabbing the attention of users and keeping it so that there is more time to convince them to invest in your products or services.

Brand Awareness

Brand awareness is a highly crucial factor for businesses of all kinds, making SEO for small businesses one way to become more recognisable. Higher rankings are proven to build awareness of your brand, as more people will see the name of your company and its logo pop up in search results. Customers will automatically believe that your brand can be trusted, as there is no other way it would be on the first few pages of a search engine if it wasn’t – at least, according to consumers.

Bypass Your Competition

Your competition could be making a fatal mistake in their SEO for small business tactics, which can put you in the lead even if you’re in the same industry and selling products or services that are similar. An optimised website can make a ton of difference, pulling more customers to your brand than to the competitor’s brand. This results in faster growth, more success, enhanced recognisability, and even more benefits.

Your website is one of the most crucial parts of SEO optimisation, so don’t neglect making sure that it runs smoothly and gives users a good experience. Look over your SEO tactics for your small business and consider the benefits of investing more into SEO services and reaping the benefits for your small commercial business.


you know that it is expensive to pay those video rental fees at your video rental store

Are you like me who always looks forward to a weekend (Friday in particular so that you get to watch your favourite video?

If yes, you know that it is expensive to pay those video rental fees at your video rental store. Not so?
This is a situation that I faced for some years until I decided that I should look for an alternative to paying those monthly fees to the video rental store so that I can get to take my favourite movies home every Friday. Plus on top of the monthly membership fee, I had to pay per movie/video that I was taking home.

So I went to Google and typed in “free video download”

Guess what happened! I received 358,000,000 results. Wow, that is a great number.
This means that there are that number of websites where you can get free video download or some thing related to a free video download.

So given that fact that there are many free video download software programs available to download free music videos and video games online,before you use one of those free video download programs you may want to know what you need to look for.

I have joined many free video download sites and I have got the good and the bad experience about them. So here are the 6 things you should look for in a free video download website.

1- There should be no monthly fees or any per video download fee. If any site claims to offer free video downloads and then asks you for any monthly fee of any sort, I recommend that you steer clear of it. However, the best free video download sites will ask for a one time monthly fee just to help them maintain there services and sources for all these videos for you. That is acceptable. From my experience these are the sites that actually give you the real videos you want of high quality.

2- Quality of the videos downloaded: This is some how related to the above point. From my experience,free video download sites that do not ask for a membership fee usually provide low quality videos, some blurred and the likes. You see the most popular video site youtube, there are many videos, it is free to join but what about the quality of the videos you get?

3-Download limits: There should be no download limits what so ever. Most sites limit the amount of videos you can download per day, some per hour and others per

session. These are not good and I would not recommend that you join them.
4-Your safety and the safety of your computer or machine. What I mean here is that you should be worry of most free video download sites. Most have the capacity to infect your computer with viruses, adware and spy ware. For your security and the safety of your machine, you should stay away from these. How do you know that this

site will infect your machine with viruses and adware? That is a million dollar question,but my answer is that look for the recommendation of some one who has been there, seen it and experienced it. I have joined many of such free video download sites and I provide a review at my website as you can see in my resource box.

5-How about the number of videos available for you? I think we would all need the site to have as many videos as possible. It would be no good for you to join a site that

has only 10 million videos when you can get one with over 100 videos.Look out for such and it is usually listed at the home page of that website where you get to join and become a member of the website.

6-Variety: While most websites will offer one type of videos such as music videos, others will give you access to music videos, movie videos, video games and other software that you can download. That is the variety I mean here. So look for free video download sites that can offer you such variety.

Well,there are many other things I can talk about here such as the customer support, the download speed and many more. But I hope the above can give you a small hint of what you should look for in a free video download website.


Among the most notorious haunted houses in the world is the Sallie House

There are a lot of haunted houses all around the world, and such structures really do spark the human imagination. For some people haunted houses are scientific anomalies which require scientific investigation, while others regard them as centers of paranormal activity that must be revered or even feared. Whatever the truth may be about haunted houses, it’s undeniable that many of them have terrifying reputations.

Among the most notorious haunted houses in the world is the Sallie House. A lot of people in Atchison, Kansas believe that the Sallie house contains evil spirits, while others believe that the entities within are simply lost souls seeking help. Despite people’s opinions about the matter, the Sallie House has become one of the most important attractions of Atchison, Kansas and has been the subject of many TV documentaries.

This simple 19th century house originally got its name due to the haunting of a little girl, who was later given the name “Sallie.” The couple who owned the house believed that the little girl was trying to warn them about the evil spirits which dwelt within the house. Due to the numerous sightings of the little girl, the haunted house became known to both local residents and investigators as “the Sallie House.” Over the years however, the house began to exhibit other hauntings besides that of the little girl. These hauntings lead observers to conclude that other entities may be inhabiting the house or perhaps some other force was at work within the area.

People have always wondered about the entities which inhabit this house. Are they simple ghostly visitors, or are were they lost souls trapped within the house? Were they looking for help or were they just malevolent entities that seek to do harm on the house’s human occupants. This is not an easy question to answer, but for those who seek clues to the nature of the Sallie House, it’s important to look at its long and interesting history.

The History of the Sallie House

The House that will later be known as the Sallie House was first built in 1867. The land on which it was built on was purchased by one Michael C. Finney, who moved in with his family to start a new life. Finney had a wife, two sons and daughter, and the house remained in the possession of the family until the death of Agnes and Charles Finney, both of whom were Finney’s descendants, in 1939 and 1947 respectively.

When the Agnes and Charles died, the house was rented out to various boarders. However, people never stayed long in the house and for whatever reason, there were few records on the people who stayed there. The only person who seemed to tolerate the house’s peculiar characteristics was one Ethel Anderson, who lived in the house until the early 90’s.

After Ethel Anderson, Tony and Debra Pickman moved into the Finney home, and that’s when the Sallie House’s notorious reputation began to become quite popular. Aside from Sallie appearing to Tony and Debra, numerous attacks were also carried out on anyone who lived inside the house or investigate its mysteries.

Tony Pickman, for example, sustained several injuries back when he and his family owned the house in the early 90’s, while investigators who visited the house reported sustaining minor injuries, such cuts and burns, during their stay. What’s most disturbing however, is the fact that investigators of house have endured cuts and burns while gathering paranormal data from the house. Although such attacks are usually directed at certain groups of people, it has lead a lot of people to believe in the hostile nature of house and the possibility of demonic presence within its walls.

In addition to the attacks, visitors and witnesses also reported full bodied apparitions, flying objects, phantom furniture, sounds of strange animals, human voices and mysterious items appearing and disappearing at random points throughout the house.

In addition to witness accounts, a surprisingly large amount of Electronic Voice Phenomenon was also recorded of strange voices from men, women and children, not to mention strange smells emanating from various areas around the house. These data is yet to be authenticated, but over the years a surprising amount of legends and theories has sprung up about the nature and secrets of the Sallie House.

Investigations on the Sallie House

The first major investigation on the Sallie House was carried out in the early 90’s by the Television show, Sightings. Since that time, several psychics and paranormal investigators have attempted to uncover the secrets of the house. With them came technicians and other researchers who were also interested in learning about anomalies which occurred within the house.

In addition to paranormal investigators, mainstream journalists, such as the Travel Channel, the History Channel and the Discovery Channel have also investigated the house to gather materials for their own shows and articles. Even Paramount Pictures visited the house in order to gather information for a movie adaptation.

Those who have investigated the Sallie House have used a variety of equipment to determine the nature of the hauntings. Among the tools that were used were digital voice recorders, laser microphones, infrared video cameras, electromagnetic measuring devices, and even radiation meters.

Those who were less inclined to use technical devices used Ouija boards, crystals, and pendulums to contact the unknown. These psychic devices were used by paranormal investigators and due to their findings and experiences, some of the psychics believe that demonic entities may be inhabiting the house.

Other investigators incorporated ESP and other psychic phenomenon in their investigations. Given the frequent appearance of paranormal and supernatural activity in the house, various groups and investigators have begun using the area around the house as a kind of testing ground for paranormal experiments.

Thanks to the unusual and inexplicable phenomenon found in the Sallie House, not only have the researchers understood the complex history surrounding the house, it has also helped them better understand the nature of certain psychic and paranormal anomalies. Even today, new materials and data are still being gathered on the Sallie House, and as far as many psychic investigators are concerned, their work has only just begun.