The Health Savings Account (HSA) is an amazing tool that a lot of people have been talking about. It is meant to help you save money on insurance and make your life simpler, maybe even help you be healthier.
A Health Savings Account is an investment. You may not have thought of it that way, but it is.
When you open your HSA, your insurance agent or financial advisor will ask you “How do you want to invest this?”
Your answer to that question might mean the difference between having money for that emergency operation or not having it.
There isn’t room here for a big explanation of investing principles, but I can tell you that there are volatile investments and stable investments.
A volatile investment would be putting money into a fast-moving stock on the stock market. One day it’s up, the next day it takes a dive.
The most stable investment is a bank account. You get paid a certain interest rate and that’s that. No volatility. And not much benefit either, because the interest rate will be quite small.
My recommendation to you is to invest your HSA money into a bond mutual fund. Bonds are a special type of investment that are less risky than stocks, but more beneficial than a bank account.
By investing in a bond mutual fund, you’ll have a steady rate of growth with no big up’s or down’s. Some months your investment might go down a little, but it won’t be dramatic. And, over time, you’ll beat that bank account interest by several percentage point.
Bond mutual funds are your best option for HSA investment. Ask your HSA custodian if they offer this type of investment for their HSA. If they don’t, shop around until you find one who does.
If you cannot find someone offering a bond mutual fund, then stick with a money market account. That is your second-best choice. You want something very stable, because you never know when you’ll have to tap into that money. Healthcare emergencies don’t give us advance notice, do they?
Health Savings Accounts will change how we think of healthcare. They are the key to fixing the current healthcare crisis in America, and they will help your small business, self-employment or individual healthcare situation.
Daryl Kulak is the author of the book “Health Insurance Off the Grid - A Wonderful Way to Use Alternative Medicine and Save Money on Insurance Using the New Health Savings Account (HSA).” The book is available for sale as an e-Book or paperback at the Website http://www.healthoffthegrid.com
What is the secret to selling online? This is a significant question on the mind of anyone who has ever attempted to market a product or service via the Internet. Some say that communication is the key factor in making a sale, while others argue that finding the right product should be the primary goal. In reality, both of these options are correct, and there are additionally a few more tips that can be practiced to help you succeed in the world of online sales.
The user-friendly website is essential for those who intend on selling online. Navigation should be smooth, and categories featuring your products, clearly identified and easy to browse. Top websites are praised for their clean design and organization. Fonts should be large and simple to read. Provide your customers with crisp, quality images equipped with descriptive details. Also make sure that the images load quickly; customers will leave if they get bored and tired of waiting. It is crucial for you to display your privacy policy, usually on the homepage, of your website. This assures customers that you will never sell or trade the information they have given you with a third party. You should also provide a link on your categories section for your shipping and return policies, as well.
Selling online revolves around a viable marketing plan. There are numerous ways to market your product online, with many of these choices very reasonably priced. To sell, you must advertise. Buy links on high traffic websites that are similar to yours. Advertisements that target a specific group of individuals are a certain way to build sales. You may also want to consider purchasing banner ads. These ads are expensive, but are a proven method of leading customers to your online store. Your advertising campaign does not have to be entirely devoted to the web. Make your venture known through newspaper ads, newsletters, and brochures. Your website address should be clearly posted with a brief description of your product, and a catchy title enticing customers to visit.
Excellent customer service is a necessity for selling online. Supplying your customers with the highest caliber of service is extremely important, especially on the web. Inquiries from customers should be answered quickly, within a few hours if feasible. It is beneficial to have a frequently asked questions (FAQ) page on your site for queries requested often. It is up to you as the seller to make sure that guests to your website have all the information they need, and that the data is delivered instantly.
With Internet sales booming, selling online is fantastic choice if you are hoping to make some extra cash. The right tools, a marketable plan, and just a few secrets can get you farther than you ever imagined.
Dr. J. Elisha Burke
Copyright 2005 Burke Publications All Rights Reserved
Copyright 2005 Elisha Burke
Dr. J. E. Burke, an educator and entrepreneur, has been involved in various business enterprises. Dr. Burke is an educator, writer and motivational speaker on a variety of topics. Dr. Burke can be contacted at http://burkepublications.com or jeb@burkepublications.com