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OHMYGOSSIP – NordenBladet & OHMYGOSSIP-sites developer Helena-Reet Ennet is the blogger who is weekly in Finnish and Swedish news, who has more social media followers than no other girl or company in Scandinavia and who “tells the ugly truth” directly to your face. Metropoli.net talked with her about vanity.
– Vanity blinds people! People want to be “VIP” and “ESPECIAL”, but the truth is that VIP and special are only those who control their own lives. The old school well known “Snob-effect”* is the key how people get rich. It is not a secret, that if you want to make money – “approve a fool” and “pressure their vanity”! Sounds very cruel, but this is how it works. Vanity is the main thing which gives money for the clever and takes it away from the vain and foolish. And this works, always and in all life situations. Trust me!
– Don’t let others think/decide what is cool, original or nice. Make your own decisions! Yeah, I have said it thousand times, but I’ll tell it again. You do not need to waste a single penny to designer clothes/bags/widgets, especially for those you actually do not like but your “cool rich” friend has. Start decide yourself what is cool. If you truly think you like it, buy it, but if your idol has it and you do not like it, leave it.
– Just an example… you have a fat ass (like I do), believe me, it does not matter if you wear Armani, YSL, Gucci jeans or no-name trousers… your butt looks the same – fat – the “names” do not make your ass look better! Better try to find trousers what fit you well, no matter what their price/name is. Choose what is good for you and what you like! Show some personality!
– Imagine that there are things and no prices — what would you choose then? What would you choose if you do not know anything about the brands and names? It is difficult, I know. People are very much affected what VIP’s or very rich think and wear – that is “used to be” generally cool. Make your own decisions! Use your own head, otherwise you are a cheap and easy channel for business-branches, who uses you. I promise you, once you’ll find this confidence in you, your life is a thousand times more happy and successful!
*In microeconomics, the snob effect is a phenomenon referring to the situation where the demand for a certain good by individuals of a higher income level is inversely related to the demand for the good by individuals of a lower income level. The “snob effect” contrasts most other microeconomic models, in that the demand curve can have a positive slope, rather than the typical negatively sloped demand curve of normal goods.
This situation is derived by the desire to own unusual, expensive or unique goods. These goods usually have a high economic value, but low practical value. The less of an item available, the higher its snob value. Examples of such items with general snob value are rare works of art, designer clothing, and sports cars.
In all these cases, one can debate whether they meet the snob value criterion, which in itself may vary from person to person. A person may reasonably claim to purchase a designer garment because of a certain threading technique, longevity, and fabric. While this is true in some cases, the desired effect can often be achieved by purchasing a less-expensive version from a reputable brand. Often these high-end items end up as closeout items in discount stores or online retailers where they may be offered at deep discounts from original price, bringing into question the true value of the product. Ultimately, wealthy consumers can be lured by superficial factors such as rarity, celebrity representation and brand prestige.
Collectors within a specific field can suffer from snob effect, searching for the rarest and often most expensive collectibles. Such examples are classic automobiles, stamps and coins.
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Deciding between health care options can be a real drag when open enrollment comes around.
If you’ve spent any time Googling, you might be more confused now than when you started. If you’re leaning toward a health savings account — but you’re like, “I still don’t know if it’s right for me” — then keep reading.
A health savings account, or HSA for short, is a savings account for medical expenses. But it’s so much more than a savings account you’d get from your bank or through your retirement plan.
How Does an HSA Work?
Congress approved HSAs in 2003 to help consumers offset the cost of health care in high-deductible insurance plans.
To qualify for an HSA, you must have a plan with a deductible of at least $ 1,300 for an individual, but no more than $ 6,550; for families, the deductible must be at least $ 2,600, but no more than $ 13,100.
You can have any money you put into an HSA deducted from your paycheck tax-free. Once you have $ 2,000 in your account, you can invest it in mutual funds that grow the same way they would in a retirement or investment account.
Any money you withdraw for medical expenses is tax-free forever. Nonmedical withdrawals are subject to taxes and a 20% penalty.
If you don’t use it all by age 65, you’ll pay income taxes on the amount you withdraw for nonmedical expenses. However, you can use the money for medical expenses without penalty.
You heard that right: tax-free investing, tax-free growth and tax-free withdrawals for medical expenses.
Plus, unlike the “use-it-or-lose-it” flexible spending account, an HSA lets you roll over what you don’t spend to the next year.
You’re probably thinking, “That HSA sounds sweet! I’ll go with that and put enough in to cover my super-high deductible!”
Woah now. Let’s see how to take full advantage of this thing. Here are five ways to get the most out of your HSA.
1. Max Out Your Contributions
The best place to start is maxing out your HSA every year.
“A dollar saved today in an HSA has the potential to grow much faster and with better tax efficiency than other accounts,” said Matt Hylland of Hylland Capital Management.
At a 6% growth rate, someone saving the maximum of $ 3,450 a year for 30 years would contribute just over $ 100,000 to their account. But thanks to compounding interest, the account would grow to nearly $ 290,000!
Historically, HSA contribution limits have risen about $ 50 every year, so your account could be worth even more than $ 290,000 after 30 years if you max it out every year.
2. Have Your Contributions Deducted Straight From Payroll
When you have your HSA contributions automatically deducted from your paycheck, not only do you put your savings on autopilot, but you also get a little extra tax break.
Kevin Han from Financial Panther learned this one firsthand.
“When I started utilizing an HSA, I just contributed to it without doing payroll deductions,” he said.
But when you contribute through deductions, you don’t have to pay FICA taxes, i.e., Social Security and Medicare. “I realized that contributing to my HSA with payroll deductions could save me that little extra percent,” Han said.
Even 401(k) contributions, which are pretax, are subject to Social Security and Medicare taxes, so HSA contributions are one of the only ways to avoid them. The deductions can be set up easily through your company’s benefits portal.
While HSAs are exempt from federal income taxes and FICA, they aren’t exempt from state income taxes in Alabama, California, New Jersey and Wisconsin.
3. Pay for Medical Expenses Out of Pocket
HSAs have no restrictive windows for reimbursement. As long as the expense was incurred after you set up your HSA, you can be reimbursed for it at any point in the future, even if you leave your job or switch plans.
The HSA is yours forever, and any medical expenses you incur from that day forward are reimbursable. So if you’ve got enough in savings to pay for medical expenses out of pocket, you could leave your HSA untouched and let it grow with the market.
Let’s say you have $ 5,000 in your HSA and incur a $ 2,000 medical expense. You can take that out of your HSA now, or pay out of pocket and let that $ 2,000 grow. If you leave it in there for one year at a 6% return, you’ll make $ 120. That’s $ 120 that can continue to compound in your HSA even if you take the $ 2,000 out after a year.
Digitally save receipts for qualified medical expenses for yourself, your spouse and any dependents. (Yep! It’s not just for the owner of the account!) Qualified medical expenses can be anything from acupuncture to X-rays.
This is especially useful if you want to use your HSA but don’t have enough funds in it to cover the full cost of the procedure. You can wait until you can contribute more or it grows to cover the full expense, then submit for reimbursement.
You can request a reimbursement from your HSA bank at any time and submit copies of your receipts to the IRS, along with Form 8889 in the year you’re reimbursed.
HSA administrator Shonna Walker takes it even further. She suggests you pay for medical expenses out of pocket using a credit card that earns cash back or travel points. If you need to be reimbursed, at least you’ve earned cash back or points!
4. Reduce Medical Expenses
There are obvious benefits to letting your money grow tax-free in your HSA, but the elephant in the room is how do you afford to do that?
Reducing your medical expenses is key. Some things you can do to achieve this include:
- Use your resources to save on prescriptions.
- Take advantage of all your insurance plan’s benefits.
- Look for free services.
- Look for government-subsidized services.
“Keep your own copy of your medical records and ask for copies of any test results,” suggests Michael Dinich, the financial adviser behind Your Money Geek. “Having your files with you can cut down on some appointments needed and having recent tests handy can reduce the need for costly redundant diagnostic tests.”
5. Switch Plans When You Need to
If you can plan ahead during open enrollment for big expenses, such as pregnancy or surgery, do the math to see if switching plans will actually save you money.
“This is hard to exactly time, but if you know you are trying to start a family, looking to get a medical procedure done, or even after you have a newborn, switch to a non-HSA plan,” said Ryan Miyamoto of Derive Wealth. “This will lower your out-of-pocket expense, but you still can keep your HSA account.”
You might even find that the lower premium payments of a high-deductible plan coupled with out-of-pocket expenses could be cheaper than the steep premiums of low-deductible plans.
The good news is you’re not committed to any plan for life.
Jen Smith is a junior writer at The Penny Hoarder, not a CPA. She gives tips for saving money and paying off debt on Instagram at @savingwithspunk.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News
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Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!
You’re excited about sprucing up your property’s interior with a fresh coat of paint. The task seems easy enough for a DIY project, but there are concerns about messy conditions. Currently, there’s an entire market of products to protect your home with ease. Consider these tools for your next project. There’s no reason why a mess should be your biggest worry.
It’s not unusual to kick up a lot of dust during a project. You might be removing materials from your “popcorn” ceiling or breaking apart hardwood floors. Protect the rest of the house from dust by adding containment walls to the project area. Plastic sheeting attached at the ceiling and floor allows only people through at a designated slit. The dust remains in the work area. It not only protects the home, but it also improves the air quality for everyone outside of the work area.
Numerous surfaces require protection as you work on any home or business project. Floors, counters and furniture may require a covering offered by TRIMACO. These covers can be fabric dropcloths, plastic films or heavy-duty flooring options. The protection serves several purposes. Items falling onto the surfaces won’t mar them in any way. Workers can step on the protected areas without any worries. In some cases, machinery may require passage on a surface. Simply choose a covering that’s strong enough for the task at hand.
Masking the Edges
Every paint job requires preparation of the surrounding area. Masking tape and paper are common tools in the painting industry. Use products that only the professionals appreciate. Industrial, masking tools are easy to apply and peel off when necessary. You might consider tools that help you create a straight line with your masking tape.
Use the wrong tape on a wall, and you’ll be pulling off adhesive for months to come. Masking tapes are different because the adhesive pulls away with ease. Don’t leave it on for weeks at a time, however. Sticky areas might occur in these cases.
Spray hoods and other protective clothing allow you to work without any concern about your favorite jeans or shirt. Wear these items when you’re dealing with noxious chemicals. Sprays are particularly bothersome without protective gear. For those huge projects, face masks or respirators may be appropriate. Be aware of the chemicals that you’re using so that you can pick the right protection for your body.
Find most of these products at your local, home-improvement store. They’re also available on Amazon when you want an at-home delivery. Purchase your products before you start any project. You’ll notice that the tasks aren’t as time-consuming as they were in the past. Project preparation simply streamlines every step.
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According to a blog post by Cisco-owned Talos, the Zeus Panda malware essentially “poisons” Google search results to push fake bank-related results to the top of a key word search. Then, the unwary user, looking for quick answers to a search related to their bank, is fooled into clicking on malicious links. The malware utilizes…
Tech | New York Post
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Anne Robinson also says she is considering a permanent return to The Weakest Link.
BBC News – Entertainment & Arts
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Well played, kid.
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Leave the corny stuff to the candy corn.
Weddings – Ideas, Dresses, Songs
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Seventy million people tuned in to watch America’s first televised presidential debate in 1960. They were met with a well-prepared, well-dressed JFK
History | Smithsonian
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Boys and girls perform differently at school, but researchers are uncertain whether this has to do with how they mature.
K-12 Education News — ScienceDaily
Captain Jack Sparrow once said, “Not all treasure is silver and gold, mate.” Truer words have never been spoken because sometimes treasure comes in the form of a pile of old clothes. In this episode Dustin McLean transforms that pile of old clothes into a DIY costume worthy of everyone’s favorite pirate!
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If your attic is full of stuff you no longer use but can’t bear to give away, a new study may offer you a simple solution. Researchers found that people were more willing to give away unneeded goods that still had sentimental value if they were encouraged to take a photo of these items first, or find another way to preserve the memories.
Consumer Behavior News — ScienceDaily
Step 1: Buy her jewelry. Step 2: Hand it off using one of these fun methods. Step 3: Bask in the praise.
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