• September 15, 2020 /  News & Article

    The Shocking Truth is that you will only realize 70% of the value of a traditional health plan.

    The reality is that for the small businesses (especially the sole owner type), monthly health benefit plans are designed to yield around 30% in profit for the Providers when it comes to routine health care expenses. On average, for a small business, you will only get out 70% of the premiums you put in – the traditional monthly plans are designed that way. And, if you claim more in one year, your premiums or limitations will normally increase to maintain that 70/30 ratio.

    A Health Spending Account is a great alternative for entrepreneurs.

    In contrast, a Health Spending Account (HSA) is far more cost effective for these routine health care expenses, without the artificial percentage and coverage limitations imposed by the insurance carriers. For example, most monthly health plans cover 80% for routine cleaning, up to a fixed annual limit per person. HSA’s have no percentage limits imposed – 100% is covered.

    Monthly health plans typically cover only certain services. Few monthly plans cover things like glasses, massage therapy, orthotics, contacts, laser eye surgery, etc. A Health Spending Account allow entrepreneurs’ and their dependents to gain access to a full spectrum of health care services.

    The final good news is that Revenue Canada (CRA) allows incorporated Canadian businesses to write-off 100% of the costs of a Health Spending Account, and all claim reimbursements to employees (and dependents) are completely tax-free.

    Is it any wonder that today the majority of small Canadian incorporated businesses are now looking at a Health Spending Account, as either their primary, or secondary form of health coverage.

    The bottom-line is that it is more economical to cover the routine costs, and the broader range of health care services through a Health Spending Account. In these situations, the monthly benefits plans are more restrictive, more costly and far less flexible.

  • September 15, 2020 /  News & Article

    Peaches in syrup are the perfect food to play with in the bedroom. Sweet, soft, sexy and healthy. There are lots of ways to enjoy peaches in the bedroom. It may be a good idea, to cover the bed with a plastic sheet, so you dont have to be too careful about spilling a drop or two.

    When you buy the peaches in a can, do not take the ragged can into the bedroom after opening it. Put the peach and syrup in a bowl, to avoid cutting yourself in the heat of the game. This is not a joke; you do not want to have to interrupt this game because you have to look for band-aid.

    1.
    The first game you can play, is simply feeding her. Take a sip of syrup from the bowl and let her drink from your mouth, in small sips. Take a piece of peach and let her eat it from your hand. When she is ready she can lick your fingers clean.

    2.
    Take a piece of peach and trail a path over her body with it. Start with her lips, her neck, her earlobes, her breasts, her belly When you are finished you follow the trail with your tongue, licking up all the syrup and giving pleasure meanwhile.

    3.
    Give her most sensitive parts a peach-massage. A piece of peach is just as soft, if not softer, as your lips and tongue. Massage her lips, earlobes, nipples, and then move slowly down to her genitals. Use your fingers to spread her genital lips and softly massage her most sensitive spots

    4.
    The Peach Marker: she is lying down and rubs the spots of her body where she wants to be licked. You lick all the spots she touches with the peach, and take your time to lick every little drop from her skin.

    5.
    The Alternative Peach Marker:
    You rub a part of your body you want her to lick with peach, and then bring it to her mouth, so she can just lie on her back and lick it, enjoying both the peach syrup and giving you pleasure.

    6.
    For the most adventurous: she lies on her back and inserts small pieces of peach in her vagina. She then straddles you, sitting on your face, so you can retrieve these pieces with your tong. You are not allowed to stop until the last piece is retrieved

  • September 15, 2020 /  News & Article

    When planning a vacation, most people only think of the destination, but the importance of travel insurance cannot be stressed enough. Adequate travel insurance is the trekker’s only safeguard abroad. For those covered by adequate insurance, travelers’ nightmares, like accidents and lost baggage, become things of the past.

    There are a lot of different insurance policies for travelers available through agencies and independent insurers and this makes the selection process rather tedious. Travel insurance reviews are a great place to start narrowing your choices, even when you think you know what you want. With these reviews, you virtually eliminate information asymmetry and can make the most optimal decision based on data on hand.

    Don’t be fooled by fake reviews, and trust only those written by real travelers. This will help you stay away from bad policies and help you pinpoint the good ones. It is an easy road when learning from other people.

    It is good to see the layout of the forest before choosing a tree. Look for consumer feedback pages and compare different insurance policies. The entire policy can be judged by its cost, extent of coverage, and provider reliability.

    Keep in mind that there are bargains out there that offer better packages at lower prices. Comprehensive packages are available for the person with a budget. This is why it is important that you resort to a travel insurance review before buying anything.

    In conducting your review, narrow it down to three to five companies. Check out their offerings and see if you can get consumer feedback for their line of products. Reputable insurance providers will not let you down when you are in jeopardy.

    The next and most natural step is to inquire about prices. One need not sacrifice coverage for affordability. It does not always follow that the better options are the more pricey ones.

    This means that one can never be too meticulous when it comes to insurance policies. Read several travel insurance reviews and see whether or not the policies fit your travelling needs. There are times when travel insurance policies provide excessive coverage for a high price or limited coverage for a very cheap cost.

    The secret is pinpointing the kind of coverage you need before looking through piles of policies. Concern yourself with cost and budget next. Doing these two things will facilitate the search process.

    For reliable results, conduct a travel insurance review yourself. A travel insurance comparison can help you make an informed decision when you need to avail of travel insurance. Never be fooled again into spending beyond your needs.