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Jenny Thomas heaved a sigh of relief. A month ago she checked into her local hospital to deliver her first child, but unanticipated complications necessitated an emergency surgery. Fortunately both she and the baby were fine. But if it hadn t been for her family s health savings account (HSA), she could have ended up owing the hospital tens of thousands of dollars.

An HSA is smart savings plan that you use for unanticipated medical expenses. Usually, money that you sock away into the plan comes out of your paycheck before payroll taxes are computed, so that you maximize your savings rate. Furthermore, any income that the HAS plan itself generates (such as from interest or investment appreciation) is also tax free, so it grows fast. Some employers even contribute extra matching cash to the plan to encourage you to save.

In most parts of the country, to be eligible for an HSA you also need to hold a High-Deductible Health Plan (HDHP). An HDHP is a plan where the deductible - that is the a (more...)

When you visit people, giving presents is an old Russian tradition. When you are invited to dinner bring flowers or a bottle of wine. Arriving empty handed is considered bad taste.

You should have small gifts for all family members you are visiting, especially children. I brought little hand held electronic games for the children of the women I visited.

American cigarettes and whiskey are excellent choices for men who smoke or drink. Quality perfume from the duty free shops is an excellent choice for the women.

For your intended, flowers are number one - especially red roses. Don t forget to get an odd number of flowers in the bouquet.

Secondly, gold jewelry with diamonds, such as a necklace or bracelet is a good choice. They don t have to be expensive for her to appreciate them.

Don t throw a lot of money around or buy her expensive gifts. If she didn t ask for it, it will make her feel uncomfortable and if she does ask for it, she isn t the right girl.

That is n (more...)