Self-Improvement

Better Yourself

How to Be Happy Everyday - Simple Ways to Help You Stay Happy Always

Be Happy

The question of how to be happy everyday may be a little difficult to answer, but as always said, happiness is a choice and you can definitely learn how to be happy everyday. Here are some ways to help you remind yourself to stay happy every single day.

- Stay away from things that make you unhappy and from people that have negative influences in your life.

How To Create A Powerful First Impression

First Impressions

You've heard it a hundred (if not a thousand) times: You never get a second chance to make a first impression.

It turns out, psychologically, that peoples' impressions of things - people, food, places - are truly most influenced by their first exposure to them. These first impressions set the initial state to which we compare later interactions, that is why it's so important to make this initial contact a positive one.

Do You Know How To Make The Right Decision?

Making decisions is part of modern life, and each day we make hundreds of simple decisions, a handful of important decision, and occasionally, a massive decision. The problem is often in knowing the right or best thing to do, and so many of us do not know how to set about making the right decision.

Tips on Organizing Clutter

Organizing all the items in our house is a sure way of keeping our house from clutter buildup. Organizing in the least amount of time possible, and doing it efficiently is really what we need when it comes to clearing clutter. There's no need to break our backs over trying to get organized every time we go about cleaning our house. Hopefully these clutter tips will help you to get better organized when it comes to organizing clutter.

10 Happiness and Success Tips

For many people, the combination of success and happiness is elusive; sometimes finding one without the other and sometimes finding neither. It is possible to have both and like many things in life, that will require the burning desire and discipline.

Are Health Savings Accounts a Good Investment?

With healthcare costs on the rise, having good insurance coverage has almost become a necessity. But if you can't get affordable health insurance through an employer, where do you turn? One option that may be worth exploring is a health savings account.
 
What Is a Health Savings Account?
 
A health savings account (HSA) is a savings product that is designed to be used as an alternative to more tradition health insurance. Any contributions that you make to your health savings account are tax free. The money that you save can then be used to pay for eligible medical expenses, such as deductibles, co-pays, dental care services, vision care services, prescriptions, over-the-counter medications, and medical equipment.
 
Where to Buy Health Savings Accounts
 
A health savings account cannot be "purchased" in the traditional sense. However, you can sign up for an account through a number of insurance companies, banks, credit unions, and other companies that have been approved to offer this service. To sign up for a health savings account, you will first need to purchase a high deductible health plan (HDHP). These plans are available at a relatively low cost through traditional health insurance providers. The deductible on your HDHP must be between $1,100 and $5,600 (self-only coverage) or $2,200 and $11,200 (family coverage). This may sound rather high for a deductible--but remember you will have the money in your health savings account to pay for expenses not covered by your HDHP.
 
Is a Health Savings Account for Me?
 
Health savings accounts have many benefits, not least of which is the ability to save money tax-free. Other people, such as employers and family members, can also contribute to your account. Your savings roll over from year to year and once you reach age 65, funds can be used for retirement and non-qualified expenses. Your money can also grow in health savings account if you invest it in stocks, bonds, and mutual funds.
 
That said, a health savings account may or may not be right for your individual situation. Look into all of the health insurance options that are available to you and choose the coverage that works best for you and your pocketbook.

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New Year's Fitness Resolutions That Stick

It's that time of year again. Time to bring out the noisemakers and watch the Times Square countdown. For millions of us, it's also a time to make a resolution that we'll get fit in the New Year.

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