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	<title>HSA - Health Savings Accounts Education</title>
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	<pubDate>Tue, 16 Mar 2010 13:01:13 +0000</pubDate>
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			<item>
		<title>Say Nyet To Obamacare In Thirty Seconds Or Less.</title>
		<link>http://www.hsaeducator.com/say-nyet-to-obamacare-in-thirty-seconds-or-less/</link>
		<comments>http://www.hsaeducator.com/say-nyet-to-obamacare-in-thirty-seconds-or-less/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 13:01:13 +0000</pubDate>
		<dc:creator>rsgrady</dc:creator>
		
		<category><![CDATA[HSA Educator Blog]]></category>

		<category><![CDATA[Gradock Bulletin]]></category>

		<category><![CDATA[hdhp]]></category>

		<category><![CDATA[Health Care Reform]]></category>

		<category><![CDATA[hsa]]></category>

		<category><![CDATA[obamacare]]></category>

		<category><![CDATA[Politics]]></category>

		<guid isPermaLink="false">http://www.hsaeducator.com/?p=1515</guid>
		<description><![CDATA[My representative in Congress is Tom Price of Georgia.  Mr. Price happens to be a Doctor (MD, not Witch) and is strongly opposed to the current version of the health care reform bill.  I sent him a letter anyway.  Your elected Representative deserves to hear your voice too.

]]></description>
			<content:encoded><![CDATA[<p>Simply <a href="http://www.capitolconnect.com/freeourhealthcarenow/"><strong>Click Here</strong> </a>to make your voice heard.</p>
<p>My representative in Congress is Tom Price of Georgia.  Mr. Price happens to be a Doctor (MD, not Witch) and is strongly opposed to the current version of the health care reform bill.  I sent him a letter anyway.  Your elected Representative deserves to hear your voice too.</p>
<p>If you click on the link above, fill in the privacy protected form presented from &#8220;<a href="http://www.capitolconnect.com/freeourhealthcarenow/">Free Our Health Care Now</a>&#8221; which,  even if you are a crummy typist, will take less than 30 seconds.  Then hit submit, and it will generate a letter to your Representative in Congress AND the <a href="http://www.house.gov/melancon/BlueDogs/Member%20Page.html">Blue Dog Coalition</a> voicing you opposition to the current proposal in Congress.</p>
<p>If you are still trying to get your arms around this whole Pandora&#8217;s Box of health care reform and want a bit more clarity on some of the problems with it check out this article that appeared yesterday in <a href="http://www.investors.com/NewsAndAnalysis/Article.aspx?id=527217">Investors Business Daily</a>.</p>
<p>Just trying to keep it simple here.  Make your voice heard today.</p>
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		<item>
		<title>Want To Deduct $5950 From Your 2009 Taxes?</title>
		<link>http://www.hsaeducator.com/want-to-deduct-5950-from-your-2009-taxes/</link>
		<comments>http://www.hsaeducator.com/want-to-deduct-5950-from-your-2009-taxes/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 01:28:09 +0000</pubDate>
		<dc:creator>rsgrady</dc:creator>
		
		<category><![CDATA[HSA Educator Blog]]></category>

		<category><![CDATA[cdh]]></category>

		<category><![CDATA[hsa]]></category>

		<category><![CDATA[tax deductions 2009]]></category>

		<guid isPermaLink="false">http://www.hsaeducator.com/?p=1513</guid>
		<description><![CDATA[Did you know that if you had an HSA established in 2009, that you can still contribute to your HSA for the calendar year 2009 and take the full amount of your contribution as a deduction?]]></description>
			<content:encoded><![CDATA[<p>Did you know that if you had an HSA established in 2009, that you can still contribute to your HSA for the calendar year 2009 and take the full amount of your contribution as a deduction?  If you are insuring your family, that is $5950 right off the top of your gross income.   So, for example your adjusted gross income was  $40,000 for last year, you coud subtract $5950, leaving you with $34,050 on which you would owe federal income tax.  If you insuring  just yourself, you can still contribute up to $3,000 before April 15 and reduce your tax liability by that much.</p>
<p>So,  if you have an HSA and have not taken advantage of this generous tax deduction, try to see if you can find some money and fund that HSA.  It&#8217;s not to late to take full advantage of your HSA&#8217;s tax benefits for last year.</p>
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		<item>
		<title>It&#8217;s Your Turn To Let Your Voice On Health Care Be Heard.</title>
		<link>http://www.hsaeducator.com/its-your-turn-to-make-your-voice-on-health-care-heard/</link>
		<comments>http://www.hsaeducator.com/its-your-turn-to-make-your-voice-on-health-care-heard/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 19:01:20 +0000</pubDate>
		<dc:creator>rsgrady</dc:creator>
		
		<category><![CDATA[HSA Educator Blog]]></category>

		<category><![CDATA[Congress]]></category>

		<category><![CDATA[hdhp]]></category>

		<category><![CDATA[health care]]></category>

		<category><![CDATA[hsa]]></category>

		<category><![CDATA[obamacare]]></category>

		<category><![CDATA[Politics]]></category>

		<guid isPermaLink="false">http://www.hsaeducator.com/?p=1509</guid>
		<description><![CDATA[Health Care Reform is front and center of President Obama's domestic agenda.  Will it get passed this year?]]></description>
			<content:encoded><![CDATA[<p>Health Care Reform is front and center of President Obama&#8217;s domestic agenda.  Will it get passed this year?  Will it get passed through the &#8220;Reconcilliation&#8221; process?  Does anyone even understand what is on the table right now? Is the Democrat Party moving in the correct direction?  Is the Republican Party moving in the right direction.  We want to hear your voice on this important topic. </p>
<p>If you are registered to comment, then comment away.  If not, please register and make your voice be heard!</p>
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		<title>Health Care Reform In 1.2 Million Words….Or Less.</title>
		<link>http://www.hsaeducator.com/health-care-reform-in-12-million-words%e2%80%a6or-less/</link>
		<comments>http://www.hsaeducator.com/health-care-reform-in-12-million-words%e2%80%a6or-less/#comments</comments>
		<pubDate>Fri, 19 Feb 2010 22:17:52 +0000</pubDate>
		<dc:creator>rsgrady</dc:creator>
		
		<category><![CDATA[HSA Educator Blog]]></category>

		<category><![CDATA[Health Care Reform]]></category>

		<category><![CDATA[health savings account]]></category>

		<category><![CDATA[high deductible health plan]]></category>

		<category><![CDATA[hsa]]></category>

		<category><![CDATA[obamacare]]></category>

		<category><![CDATA[Politics]]></category>

		<category><![CDATA[war and peace]]></category>

		<guid isPermaLink="false">http://www.hsaeducator.com/?p=1507</guid>
		<description><![CDATA[Back in High School I conducted some very scientific research to determine the average person’s attention span.  If you are wondering, it is about twelve and a half minutes.
 
You see, whilst attempting to listen to my teachers, I found myself cruising off to the Bahamas, putting duel exhaust on my ’66 Mustang, dating the hottest [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">Back in High School I conducted some very scientific research to determine the average person’s attention span.<span style="mso-spacerun: yes;">  </span>If you are wondering, it is about twelve and a half minutes.</span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">You see, whilst attempting to listen to my teachers, I found myself cruising off to the Bahamas, putting duel exhaust on my ’66 Mustang, dating the hottest hottie in school, or slapping a game winning home run.<span style="mso-spacerun: yes;">  </span>With all due respect to Duckie, Mr. D, Bubba,<span style="mso-spacerun: yes;">  </span>Leeeeeeeeeee, The Frau or any of the other gifted educators I was truly blessed to spend quality time with each day, I frankly had a really hard time staying plugged in. </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">Anyway, I decided I would undertake this experiment to measure my attention span.<span style="mso-spacerun: yes;">  </span>Since I figured I was an average person, if I could measure my attention span, it would serve as a worldwide proxy for all the average Joes or Gradock’s out there.<span style="mso-spacerun: yes;">  </span>The test was quite simple.<span style="mso-spacerun: yes;">  </span>I would go to class, write down the time the lesson began, and the moment I started my cruise to the Bahamas, I would check out the clock again, and write down the time, do a little subtraction and voila, I would know my attention span.<span style="mso-spacerun: yes;">   </span>All well and good, but I realized quite quickly that by the time I realized I was daydreaming, I was either half way to the Bahamas,<span style="mso-spacerun: yes;">  </span>I had rebuilt the carburetor, or if I was really lucky, ahem, saying goodnight to Miss Hotinsky…</span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">After many unsuccessfully attempts to crack the code of my attention span, I did finally catch myself at the precise moment I was pushing back from the dock.<span style="mso-spacerun: yes;">  </span>And then, a few weeks later, was successful again.<span style="mso-spacerun: yes;">  </span>The result…. Twelve and a half minutes.<span style="mso-spacerun: yes;">  </span>But you already knew that already.</span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">This morning when I got up I was chewing over this whole bit of news I’ve been hearing about the House and Senate reconciling their two tomes; the nearly 2,000 page House Bill and the 2074 page Senate bill.<span style="mso-spacerun: yes;">  </span>Besides scratching my head and other body parts, over their continued desire to frost those turds, I started to wonder, what was the longest book ever written?<span style="mso-spacerun: yes;">  </span>Then I set out to do some more scientific discovery.</span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">First I decided to count the words in the Senate Bill.<span style="mso-spacerun: yes;">  </span>Easy enough; highlight the document, copy it into word, do a word count and presto.<span style="mso-spacerun: yes;">  </span>Well I started copying that pig and after 10 minutes (approaching my maximum attention span) I bailed and copied everything I had into word which represented a whopping 397 pages, 114,000 words, or about 18% of the document.<span style="mso-spacerun: yes;">  </span>I’ll spare you the higher algebra, but by my count the total document is about 594,000 words.<span style="mso-spacerun: yes;">  </span>Applying the same math to the House Bill, assuming they cram about as many words on a page as the Senate, their bill is close to 570,000 words.<span style="mso-spacerun: yes;">  </span>Collectively, nearly 1.2 million words.</span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">According to </span><a href="http://en.wikipedia.org/wiki/List_of_longest_novels"><span style="color: #800080; font-size: small;">Wikipedia</span></a><span style="font-size: small;"> the longest novel written in either the Latin or Cyrillic alphabet, is a 2.1 million word snoozer entitled </span></span><span style="font-size: small;"><span class="mw-headline"><span style="font-family: Arial; mso-ansi-language: EN;" lang="EN">Madeleine and Georges de Scudéry.<span style="mso-spacerun: yes;">  </span>Never heard of it?<span style="mso-spacerun: yes;">  </span>Me neither.<span style="mso-spacerun: yes;">  </span>I perused the list of the top 15<span style="mso-spacerun: yes;">  </span>loooooongest longest novels to determine if there were any on the list that average folks like me might recognize.<span style="mso-spacerun: yes;">  </span>There were three.<span style="mso-spacerun: yes;">  </span>War and Peace, topping the word scale at 560,000 words (never read it),<span style="mso-spacerun: yes;">  </span>Les Miserables weighing in at a slightly lighter 513,000 words (saw the play), and Atlas Shrugged splitting the middle at 540,000 words (on my reading list but after writing this blog, maybe not).</span></span><span style="font-family: Arial;" lang="EN"> </span><span style="font-family: Arial;"></span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">The average American has an attention span of 12.5 minutes.<span style="mso-spacerun: yes;">  </span>The average American with a </span><a href="http://www.hsaeducator.com/find-hsa-health-insurance-information-for-self-employed-for-all-consumers/"><span style="color: #800080; font-size: small;">high deductible health plan</span></a><span style="font-size: small;"> and a </span><a href="http://www.hsaeducator.com/what-is-an-hsa-know-about-what-is-a-health-savings-account/"><span style="color: #800080; font-size: small;">health savings account</span></a><span style="font-size: small;"> needs a couple of hours just to begin to understand the benefits of their insurance and tax advantaged </span><a href="http://www.hsaeducator.com/category/home/"><span style="color: #800080; font-size: small;">HSA</span></a><span style="font-size: small;">s.<span style="mso-spacerun: yes;">  </span>The nearly 600,000 word piece of healthcare sausage created by the Senate is anything but average.<span style="mso-spacerun: yes;">  </span>In fact, to most average folks, it’s downright insulting.<span style="mso-spacerun: yes;">  </span>And here they are trying to do the Vulcan document meld with the Senate and House Bills.</span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;"> </span></span></p>
<p><span style="font-family: Arial; font-size: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;">Ladies and Gents.<span style="mso-spacerun: yes;">  </span>If you can’t explain the sucker in 12.5 minutes to the average Joe, you lose his or her attention, and more importantly, their confidence.<span style="mso-spacerun: yes;">  </span>‘Nuff said.<span style="mso-spacerun: yes;">  </span>Well, almost; if you have made it all the way to the end of this blog, congratulations, you just read 732 words.</span></p>
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		<title>Man Up President Obama</title>
		<link>http://www.hsaeducator.com/man-up-president-obama/</link>
		<comments>http://www.hsaeducator.com/man-up-president-obama/#comments</comments>
		<pubDate>Fri, 12 Feb 2010 09:49:01 +0000</pubDate>
		<dc:creator>rsgrady</dc:creator>
		
		<category><![CDATA[HSA Educator Blog]]></category>

		<category><![CDATA[health care]]></category>

		<category><![CDATA[hsa]]></category>

		<category><![CDATA[Obama]]></category>

		<category><![CDATA[responsibility]]></category>

		<guid isPermaLink="false">http://www.hsaeducator.com/?p=1505</guid>
		<description><![CDATA[As a general rule of thumb, the primary focus of this blog is health care and specifically, health savings accounts.  Those of you with HSAs know a fair amount about responsibility, since they are highly oriented toward personal responsibility.  ]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">As a general rule of thumb, the primary focus of this blog is health care and specifically, </span><a href="http://www.hsaeducator.com/"><span style="color: #800080; font-size: small;">health savings accounts</span></a><span style="font-size: small;">.<span style="mso-spacerun: yes;">  </span>Those of you with HSAs know a fair amount about responsibility, since they are highly oriented toward personal responsibility.<span style="mso-spacerun: yes;">  </span></span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">It is my observation that individuals who do not take responsibility, tend to have been in positions in their lives for which little responsibility has been required.<span style="mso-spacerun: yes;">  </span></span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">Blame is something generally heaped on others whereas responsibility is something generally heaped upon oneself.<span style="mso-spacerun: yes;">  </span>Blame is about dumping.<span style="mso-spacerun: yes;">  </span>Responsibility is about seizing.<span style="mso-spacerun: yes;">  </span>Blame is about taking care of oneself.<span style="mso-spacerun: yes;">  </span>Responsibility is about taking care of others.<span style="mso-spacerun: yes;">  </span>Blame is selfish.<span style="mso-spacerun: yes;">  </span>Responsibility is selfless.</span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">I have to say I am getting a bit weary of our President pointing the finger of blame.<span style="mso-spacerun: yes;">  </span>Everyone knows that all the problems of America are not his fault.<span style="mso-spacerun: yes;">  </span>Even if he didn’t remind us at every bend in the road.</span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">Do you think the President’s focus on blame is a function of his past?<span style="mso-spacerun: yes;">  </span>A past in which he has had to take little responsibility? <span style="mso-spacerun: yes;"> </span></span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">One of the big knocks on him during his campaign was his inexperience and how that might affect his ability to lead. <span style="mso-spacerun: yes;">  </span>I think for the President, the first step in his quest to become a great leader is to grab and yank the reins of responsibility.</span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;"><span style="font-size: small;">The job’s not easy.<span style="mso-spacerun: yes;">  </span>But didn’t anyone tell him that when he campaigned like a bad assed champion to get it?<span style="mso-spacerun: yes;">  </span>When it comes to great leadership nobody cares who caused the problems.<span style="mso-spacerun: yes;">  </span>They only care about the person willing to take responsibility, the person who will seize responsibility and get ‘em fixed. </span></span></p>
<h2 style="margin: auto 0in; background: white;"><em style="mso-bidi-font-style: normal;"><span style="font-family: Arial; font-weight: normal; mso-bidi-font-weight: bold;"><span style="font-size: small;"><span style="mso-spacerun: yes;"> </span>“&#8230; From everyone who has been given much, much will be demanded; and from the one who has been entrusted with much, much more will be asked.” Luke 12:48 (NIV)</span></span></em></h2>
<h2 style="margin: auto 0in; background: white;"><span style="font-size: small;"><span style="font-family: Arial; font-weight: normal; mso-bidi-font-weight: bold;">Or if that does not compute, two words: </span><span style="font-family: Arial;"><a href="http://www.urbandictionary.com/define.php?term=man+up"><span style="color: #800080;">Man Up</span></a></span><span style="font-family: Arial; font-weight: normal; mso-bidi-font-weight: bold;">!</span></span></h2>
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