Ameriplan® Recommended for Pregnant Women

Tuesday, May 25, 2010

Ameriplan recommended for pregnant women, save up to 50% on healthcare cost. If this is something you could use please visit www.mybenefitsplus.com/mvanhorn.

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About the Author:
Melissa Van Horn is a work from home, homeschool mom. She has spent several years and several thousand dollars searching for the perfect home based business. She has finally found that with Ameriplan®. She has a passion for sharing her experiences with others through Examiner. In addition to running her Ameriplan® business, Melissa has a Barefoot Books business and does freelance writing for several clients.Melissa can be contacted here.
                                                                                                     

Insurance vs. AmeriPlan

Saturday, May 22, 2010

How do the Dental Benefits work with Insurance?



Your AmeriPlan® card will work with most dental insurance plans in these money-saving ways:


1. Your cost for each procedure will be reduced, reducing your remaining co-pay. (Note: Your dental office will make necessary adjustments in your final co-pay, but by law your insurance company must be billed the same amount as other patients.)


2. Since your cost per procedure is reduced, your annual 'cap' (usually around $1000 - $1500 per year) stretches further, giving you more value for your premiums!


3. Many procedures aren't covered by insurance, such as cosmetic dentistry. With your AmeriPlan® benefits, you will receive discounts on ALL procedures!


"I needed a cap on one of my teeth. My dentist's regular price for a cap is almost $900, but for AmeriPlan® members he charges only $600. So they billed my insurance company and after adjusting for my AmeriPlan discount®, I was left with under $100 out of pocket. They took care of all the details for me, and just sent me a bill for what was left!" -- Kurt Wilkins


Note: In some cases, the AmeriPlan benefits will duplicate insurance benefits, so be aware that you won't receive the same duplicate benefits twice.


For more information visit here


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Connect with the Author:
Twitter; LinkedIn; CafeMom; WAHM.com; Blogger                                                                                        
About the Author:
Melissa Van Horn is a work from home, homeschool mom. She has spent several years and several thousand dollars searching for the perfect home based business. She has finally found that with Ameriplan®. She has a passion for sharing her experiences with others through Examiner. In addition to running her Ameriplan® business, Melissa has a Barefoot Books business and does freelance writing for several clients.Melissa can be contacted here.
                                                                                                     

Surviving with one Income

Friday, May 14, 2010

Today many families are struggling to make ends meet. Due to massive layoffs and lack of available jobs these past few years, many people have to survive on a single income. Even in two parent families, sometimes the cost of childcare can be more than a parent’s income. While this is always difficult, there are things you can do to get by.


1) Start by cutting back on any extra expenses that you can. Evaluate all your monthly bills and see what can be cut out, or cut down. Make your home as energy efficient as possible to save on utility bills. Cut out all unnecessary expenses. Evaluate your grocery bill and see where you can make cuts there. Use coupons as often as you can to save on things you need to buy. Buy a Sunday paper if you can, or ask a friend for the coupons out of their paper.

2) Avoid using credit cards except in emergencies. This will only create more debt, and add to your monthly bills. If you bury yourself in more debt it will only get harder to get back on your feet. If you are already in credit card debt cancel your cards except for maybe one for emergencies.

3) Save on gas for your car by walking or bike riding to wherever you can, this will also get you some great exercise. If walking or bike riding is not an option for you, try to combine your trips to various places. Instead of driving back forth, plan your route. Use a route that is the most direct to get to everywhere you need to go.

4) Shop at yard sales, thrift stores, dollar stores, and swap meets when you can find what you need. Don’t be embarrassed to go to a thrift store, sometimes you may find something for a few dollars that you can re-sell for more.

5) Lastly, you can supplement your income by working in either direct sales, or online writing. Just be very cautious when doing this, do thorough research on any company before signing up, or providing any personal information. Any company that tells you to pay money for their “system” or “secrets” is probably a scam. Another way to supplement your income is to sell your old stuff on E-Bay or Craigslist. Go through your garage and see what you can get rid of. Doing this will accomplish two things: 1) you can make money off the stuff you sell and 2) your garage gets cleaned.

Stay close to your friends and family, they will be your support through this difficult time.

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Connect with the Author:
                                                                                                      
About the Author:
Melissa Van Horn is a work from home, homeschool mom. She has spent several years and several thousand dollars searching for the perfect home based business. She has finally found that with Ameriplan®. She has a passion for sharing her experiences with others through Examiner. In addition to running her Ameriplan® business, Melissa has a Barefoot Books business and does freelance writing for several clients.Melissa can be contacted here.
                                                                                                                       
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Grocery shopping on a budget

Thursday, May 13, 2010


Ever wonder how you're going to have money to put food on the table? In this economy today most of us are feeling a financial crunch. In times like these we need to tighten the belt, and give up the non-essentials. However, groceries are essential. For larger families this is even more difficult. Many families are surviving on one income. A lot of us have to learn how to be a frugal grocery shopper. The good news is that there are things that you can do to save on your grocery bill. If you make a few changes to your normal grocery routine it can make a good impact, allowing you to use that "extra" money towards another essential. You should minimize the number of trips to the store by going at least every two weeks, monthly trips would be even better.


First start by inventorying what you have in your kitchen, and plan your meals around that. Plan out a menu around what you have that will cover until your next planned grocery trip. Make sure that your menu includes three meals, one snack, and drinks. Desserts are not really a necessity, but you can include those as well if your budget allows.

Now, using your menu and kitchen inventory, write a list of what you still need for the meals that you have planned. Add any basic household staples that you know you will need. Good staples for a limited budget are: Flour; Milk; Beans; Rice; and Pastas

Plan your budget, know how much you can spend, and have your list. Next you will need to gather grocery circulars for the stores in your area, you can also look at circulars on-line, and a good resource for this is: HTTP://www.grocio.com/news.html. Look through the circulars to find where the best deals will be. Cut out coupons that are for items you buy on a regular basis. Do not buy items simply because they are on sale.

Prepare to go shopping. Be sure to eat before going, when you are hungry you will tend to buy more. Take with you your list, your coupons/circulars, a pen and paper, and a calculator. Write down the price of everything that goes into your cart. Before going to check out total it all up, and figure in all applicable sales tax. Make sure that you avoid impulse buys, if it's not on the list, it shouldn't go in the cart.


When you get home, put everything away right away. Freeze anything that will not be used right away. You can freeze meat and cheese just cut into a size for one meal. Bread can be easily frozen. Freeze milk buy pouring (or drinking) some of it first. Milk expands, and can pop open the container if you put the full container in. Also with milk make sure it thaws completely before drinking, milk thaws unevenly and will taste funny if not thawed completely. Smaller paper milk containers freeze better, but you can still freeze the larger plastic ones.

Find some good tips for frugal living at http://www.hillbillyhousewife.com/ or http://www.frugalmom.com/

http://www.freephotos.com/

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Connect with the Author:
                                                                                                      
About the Author:
Melissa Van Horn is a work from home, homeschool mom. She has spent several years and several thousand dollars searching for the perfect home based business. She has finally found that with Ameriplan®. She has a passion for sharing her experiences with others through Examiner. In addition to running her Ameriplan® business, Melissa has a Barefoot Books business and does freelance writing for several clients.Melissa can be contacted here.
                                                                                                                       


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