http://highdeductiblehealthplan.org/hsa_health_plan.html 5 HSA insurance plan downsides that your HR did not tell you about.
Duration : 0:1:25
5 Secret Downsides Of HSA Health Insurance Plan Exposed
EAT HEALTHY CHEAP: Tips to Save Money on Food (Do NOT Eat Like a Broke College Student)
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I know what its like to have to eat on a budget. Despite an awesome scholarship and good job, I was a broke college student. I blame it on the wine and women. Mainly the women though. Those support payments
Whatever the reason, here is the BEST guide to saving YOUR money at the grocery store, to maximize the amount of high quality food you eat, without exploding your bank account. When shopping smart, even if you are bulking, you can spend less than $50-60 a week with high quality food.
TOP TIPS
1. Shop for the deals on the meat. Every week at all the grocery stores, meat varies in price. Sometimes chicken breast is $8.99 a lb sometimes its $2.99 a lb, you have to pay attention to the sales and strike while the iron is hot. Stock that up in the freezer
2. JOIN a large discount retail store like COSTCO, Sam’s Club or Trader Joes. These warehouse facilities sell Olive Oil, Peanut Butter, Tuna and Egg Whites for FAR cheaper than anywhere else. Buying in BULK always saves you money.
3. When it comes to meat, which is the most expensive thing to buy, look for large cuts of meat on sale that you can butcher yourself. Also ask the local butcher for last-date meat discounts. Chop it up and freeze the rest, you’ll save A LOT of money this way.
4. When it comes to produce like vegetables and fruits, buy IN season. Blueberries can be $5 a lb in the dead of winter or $1 a lb in summer. Also consider buying frozen fruits and veggies in places like COSTCO.
Now here are my TOP picks for cheapest and healthiest sources of fats, protein and carbs
Fats
Fats are high calorie and low cost.
The best three by far are
All Natural Peanut Butter
Nuts at Bulk Stores
Extra Virgin Olive Oil
Protein
Protein is the most expensive
Eggs will be your #1 source
Canned tuna
Pork is the cheapest meat
For protein powders you can buy bulk at www.trueprotein.com
Beans and Lentils are also extremely high in protein
Large cuts of meat on sale
Carbs
Carbs are actually cheap.
Beans and Lentils, my FAVOURITE pick, EXTREMELY cheap and healthy
Steel cut oats at a bulk store
Sweet Potatoes
Vegetables + Fruit
Broccoli, lettuce, onions and cabbage are all usually the cheaper veggies
For fruits, Bananas per calorie are the cheapest
You have to come up with the right calories for yourself. But for less than $50 you can get over 250 grams of protein, 150 grams of carbs and 70 grams of high quality fat every day! And now you know how to save at least $50 per week on your food. Think about it, that’s over $2500 a year you can save. Now that’s a spicy meatball. Guys just don’t blow your money on strippers at college like I did. They don’t love you. Only your money.
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Duration : 0:7:7
Health Savings Account explained
The IRS has increased the HSA limits for the individual and Family for the year 2012. Gary McCarron explains how the HDHP qualifies you for your HSA Account. You can apply for Your HSA account online at www.thegroupdivision.com
Duration : 0:7:31
Health Savings Accounts
Health Retirement Savings Rule 1: Reduce Investment Risk as the Day Nears
This is the VOA Special English Economics Report , from http://voaspecialenglish.com | http://facebook.com/voalearningenglish
Today, retirement can mean different things. For many Americans, it means the end of the money-earning part of their life and the beginning of a period of enjoyment. But retirement calls for planning and savings.In many countries, employers may offer some kind of retirement savings plan. The plan could be linked to the company’s stock or to a managed investment service. Almost any financial planner will say workers should use these plans to save money easily: often directly from their wages. But an employer plan should not be your only way to save for retirement.Pete D’Arruda heads his own financial planning company and gives retirement advice on radio shows and television. He tells people to save whenever possible. But he says as retirement nears, you must take fewer financial risks. “There’s three stages of life there when we look at it. There’s the part where you’re earning money. And when you’re earning money, if you have a salary, it makes it easier to take risk because you know that if you lose the money you can go back and earn some more.” By risks, Pete D’Arruda means investing in stocks and other financial instruments that can lose value quickly. He says people should move money away from riskier investments as they age even if there is a possibility of a higher rate of return. Instead, investors nearing retirement should seek more secure investments for their savings. “But then we get to the transition phase when we’re within five years or so of retirement. I call it the financial red zone because now is the time when you need to protect what you have, you need to start transitioning away from the risk of Wall Street and into safe places that guarantee lifetime income.” Pete D’Arruda has a simple way of deciding how much of your retirement savings should be at risk. He says take your age and put a percentage after it. That is the percentage of your retirement savings that should be fully protected from losing value. So, for a sixty-five-year-old, “sixty-five percent of the money must be in a place that can’t lose it. The reason why is when you’re in retirement it’s impossible to get the money back that you lost because you don’t have a salary coming in.”One recent survey by the Charles Schwab company found that forty-four percent of baby boomers feel secure in their readiness for retirement. Baby boomers are the generation of Americans born after World War Two. For VOA Special English, I’m Alex Villarreal.(Adapted from a radio program broadcast 28Oct2011)
Duration : 0:3:59
Retirement Savings Rule 2: Plan for Your Future Goals and Needs
This is the VOA Special English Economics Report, from http://voaspecialenglish.com | http://facebook.com/voalearningenglish
Last week, we discussed limiting investment risk in retirement planning. So what are financial planners advising people to invest in? Stocks and bonds are the best known investments and are important to any savings plan. Instruments like savings accounts and certificates of deposit pay a small rate of interest. They carry little risk. Annuities are another savings instrument with low risk. Financial planner Pete D’Arruda says “Worldwide, people can put their money in annuities, which are basically savings accounts offered by insurance companies.” But he says it is important to make a decision about an annuity with a good financial planner. He warns that annuity agreements can be complex, and many bad ones are out there. Pete D’Arruda says good planning means placing money into financial securities and accounts that have different risk levels, using asset allocation. “So true asset allocation is having some in stocks, some in bonds, some in mutual funds, but then some in other places with guaranteed income and then safety and liquidity kind of accounts for emergencies.” This method of savings follows the old saying you should not “put all your eggs in one basket.” But that is not for everyone. Sande Taylor is with the investment company Charles Schwab in south Florida. She advises investors every day. She says many investors have a personal style. There are conservative investors. “A conservative investor by definition typically has eighty percent of their portfolio within fixed income markets and cash.” Even in retirement, Sande Taylor says, some people have their entire financial portfolio, or set of investments, in stocks. They are the aggressive investors. In saving for retirement, there can be a difference between what people believe and what they actually do. In a recent Charles Schwab study, most Americans said they believe it would be easier to save for retirement if they were single. But the study found that eighty-five percent of married people had started saving, while only two thirds of singles had. Sande Taylor says younger people may seek short term goals. “The younger individuals look at it and think, ‘Well retirement is so far away, I’d rather focus on my shorter term goals.’” But she says there are big gains to be made by starting early and planning for the future. For VOA Special English, I’m Carolyn Presutti.(Adapted from a radio program broadcast 04Nov2011)
Duration : 0:4:1
HSA Radio Intro
Rob Grady speaks with Sanders McConnell about Health savings accounts. Making heads out of tales of HSAs. The first of many topics around Health Savings Accounts.
Duration : 0:3:38
Rodan + Fields Skinpact News: Your Beauty Bank Account
We all know the age-old saying, “Early to bed, early to rise, makes a man healthy, wealth and wise” but don’t stop there — you can add fit, attractive and youthful-looking to the benefits of some extra zzz’s. As you get ready to set your clocks back an hour this Sunday with daylight savings, don’t miss insights from Dr. Katie Rodan and Dr. Kathy Fields in this week’s webisode of Skinpact News: “Your Beauty Bank Account” on what this really means to your skin and how to make the most of this extra hour to look your youthful best. Watch more Skinpact News webisodes on the Rodan + Fields Facebook page: http://www.facebook.com/rodanandfields?sk=videos
Duration : 0:2:1
Reducing Health Care Costs with High Deductible/Health Savings Accounts from SET SEG
Learn about how a High Deductible/Health savings accounts can save significant dollars for your school district and employees. A HSA costs less and encourages smart consumer buying of health care.
Duration : 0:5:8
SET SEG – Health Savings Accounts: Reducing Costs For Employees & Employers
Selecting a high-deductible health plan paired with a Health savings account (HSA) can save employees and employers on health care costs. Employees in districts with caps on health premium contributions can benefit from these plans.
Duration : 0:5:8