Health Savings Accounts: More Than Meets the Eye
March 31st, 2010 | 
Author: For quite some time now, the government has been trying to come up with a way to get people the kind of affordable health insurance they need and want. Remember that the cost of all Health insurance has always been the sticking point and to that end many of these attempts have failed except for the heath savings accounts that are by all accounts here to stay.
Tax Write Off
Now these were brought in by the government as a means of allowing people to get the low cost health insurance they want. They work something like an RSP in that the person who buys one gets to put money in that they get to deduct later as a tax write off. Still, these are different in some ways too.
For example, the bearer is not allowed to spend the accumulated money on anything other than health insurance needs. Because there health savings accounts are a little more complicated than they first appear, it’s a good idea if you enlist a good broker to help you decide what’s good for you when it comes to these. And the best in the industry is Insurance Care Direct.
Average Person
These are the experts that have been mandated to treating you like a member of their family. Even the company itself was formed to enhance the health insurance experience of the average person. With the help you’ll get here from the friendly courteous staff at Insurance Care Direct, you’ll have no trouble discerning which of the health savings accounts they have the right one for you is.
Getting the best in affordable health insurance isn’t always easy. In fact, it can be daunting once you get some of the online health insurance quotes you’ll receive. But you’ll soon see the light when you use the experts at Insurance Care Direct. They really are the ones that have your best interest in mind when it comes to getting you the health insurance you need.
Irving Donaldson
http://www.articlesbase.com/insurance-articles/health-savings-accounts-more-than-meets-the-eye-713930.html
Posted in Health
My husband insists on tithing and thus leaves me to pay more than half of the bills. What can I do?
My husband tithes his 10% to his church every week. We went through a rough spot in our marriage some time ago and he believed it was because he had stopped going to church. For nearly a year now he has been back to church and pays a full 10% of gross salary every week. I am the one who monitors the rent, childcare, and utility bills for the household and my husband gives a set amount every week to help with bills. I have been paying $400 more a month than him to cover bills because he refuses to stop tithing. He has also stopped paying his credit card bills and has not enrolled in a health care program nor has he bought life insurance and he has no bank account, no savings, and retirement plan. We have another child on the way and are currently raising a toddler, with a upcoming maternity leave, I know we are in for a struggle with his tithing. I am concerned that we will wind up in a deeper hole. I told him we have to cut on something, if you insist on tithing then we cut Christmas gifts only buy for the children. He refuses. I’m going to have two young children and I just want the best for them I want us to save, to have our own home and we can’t even get on track. I don’t believe you have to pay for blessings and I don’t believe we are tied to laws of the old testament as Christians. My mother was recently evicted and I couldn’t help her and then I think about that $40 to $60 every week that my husband gives. I even suggested lowering the donation amount but no that doesn’t work for him either. It’s tithes+donation. When I speak against tithes my husband says its the devil talking. This is putting a strain on our marriage. I don’t appreciate being criticized in my own home or being demeaned because I don’t believe what he does. He has always been religious and when we met he went to church occassionaly up to twice a month or so and I sometimes went with him. After he insisted on tithing my attendence slowed because I didn’t think we could handle paying a combined $140 a week. I want our marriage to work but being in this situation is stressing us both out. I want him to understand financial responsibility and understand what I go through week to week trying to make ends meet. It’s not fair for him to tell me that he will pay his tithes first and then if he has enough to cover half of the bills he wil give it to me. Do you think there is some compromise we can make? From a religious perspective is there any biblical evidence that releases christians from tithing? A part of me wants to leave and let him handle things on his own for a while and see how it is but I work full time am in college as well and am going through a high risk pregnancy. I am at the end of my ropes, I don’t want to leave my husband but at times I feel as though he brings more stress to my life. I went from mixed family to a broken home to a couple of supposed step daddies and and mommies and have a slew of halfs- and steps-, I don’t want that for my children. What else can I do to make this work? We have other problems of course but this is our greatest stressor since I’ve been pregnant.
I read up to the part about credit cards. It’s in the bible that the debtor is slave to the lender. Tithing is not going to help him spiritually if he’s ignoring the rest of the bible.
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leave him that will Force him to straighten up
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I read, "he refuses" two times. Who the he** does he think he is, and who are you letting him be? It’s time for an appointment with the minister to get a little advice on the role of a man in his family.
Then, what are you thinking? You are a married to a man who has completely given up his role of financial responsibility and you are PREGNANT.
Sometimes people call it "Christian" when it’s really excuse making and bad judgment. The devil is present in your situation, but it’s all the stupidity you two are engaging in.
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Goodness, well i don’t believe he isn’t in the right religion first of all. but that’s a different matter. However he is choosing to ignore his family and the needs of them. And for sure God wouldn’t want a man to forsake his wife and kids. In fact the bible says leave your mother and father and cling to you wife. And at no time should any church encourage a man to neglect his family and them not have food shelter etc. to buy more statues to worship, at which the bible says don’t bow down to any statue! What I would do is give him one slice of bread for dinner and water. Tell him if he is still hungry call the church, Because the kids and you wont do without food and what y’all need and because he chooses to give that much he has to be the one to make the sacrifice and not eat so well. And when he needs gas in his car, tell him hop on the bike his gas money went the church. You get my point. gl
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Your husbands religion is important to kim and part of who he is. You knew he was religious when you married him so this is not a reason to separate from him.
Stop nagging him about tithing and ask him to go through your household income and expenses with you to see if he can help you budget. if you are truly hard up and unable to make savings anywhere go to his church and have a talk to his parson and find out whether there is a church fund which can help your family. The church is not just a millstone it is also a supportive family.
it does not matter who provides the larger share of the family income. You would not complain if he was providing more than you and in these days of equal opportunities for women it is not uncommon for a wife to earn more than her husband.
if you are finding life difficult now I would suggest you put off enlarging your family any further after this pregnancy until your situation improves.
With the present econom ic climate life is hard for us all at the moment, but this is the time to be strong and hold it all together for all your familys sake. if you split from your husband you may be a bit beter off financially but you and your children will be poorer emotionally and you will be lonely.
You could cut the family food budget by adding lentils to your stews and using less meat. you could serve a nut roast instead of a joint of meat sometimes. Have pasta with a tomato and vegetable sauce sauce with a little parmesan on top. make a chick pea curry. it is not necessary or even healthy to eat a lot of expensive meat all the time.
i wish you and your family well.
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and you married a religious nut and are having a baby by him, why? Sweetie, they all give money to their churches, and put their religion before their families. This will never change. Where was your radar?
Guys aren’t fix up project in a marriage… what you see is what you got.
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Only insane, brain-dead religious freaks think it is more admirable to take care of the church first, before their own family. I’ve seen this with my uncle’s family He is at church every week, giving time and money. His house is LITERALLY falling down around his family, they are about to declare bankruptcy and my aunt is sick and worked to the bone. Oh but GOD FORBID his stupid ass isn’t at the church, using his gas to bring food to the poor, donating his money and time, while his own family is hungry and about to be homeless and completely overwhelmed with debt. It blows my mind how some people interpret the Bible and think this is what God wants of them. Unreal!!
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Go to the church for help! Maybe they can give you free counceling for you and your husband.
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Family first.
If he cannot see that, Jesus is not going to make him see it.
Make a choice for yourself what you want for you and your children.
Can you live with him being this way? No? Make a choice.
If you decide to leave him, then he ALSO will make a choice.
Support you and his children, or support his Pastor.
Let him make that call. You will see what kind of man he is.
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Go talk to a minister and get his view on this. I know people that tithe thier 10% but find money for what they need some way. It just happens. at least his addiction is better than some others. It would be better to ask him to stop smoking and drinking. help him find some part-time work. a few yards you and the kids can help him cut. Make the making money a family thing. deliver papers and you can take turns or you do this when he is not feeling well.
rd
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Well I am sure he is aware of God saying 1Tim 3:5 how can a man take care of "His" house if he cannot take care of his own family. The church "system" is a little flaky. In Ne 10:37 it makes mention of tithes being crops & bringing "gifts". Doesn’t say bring me the gross 10% of your check. In De 12:6 there bring your burnt offerings and sacrifices, your tithes and special gifts, what you have vowed to give and your freewill offerings, and the firstborn of your herds and flocks. Where does it say gimme your money? When tithes are mentioned in the bible it wasn’t necessarily money. Many churches fail to procclaim this truth because they want your money. In 2 Corinthians 9:7 Every man according as he purposeth in his heart, so let him give; not grudgingly , or of necessity: for God loveth a cheerful giver. It doesn’ say a 10th in the New Testament. It says give what is in his heart. Doesn’t say anything about money either. People need to understand that we are not living in the Old testament any longer. Unless you wanna buy a goat to sacrifice for you sins. Jesus has made it so we don’t have to sacrifice an animal for forgiveness but simply repent & ask it of Him. Marraige is something God takes seriously as well. Your husband should also be aware of that as well. I am sorry this issue really bothers me because I was in the religous system for a long time. I can see how crippling it can be & he needs to understand that he can have a relationship with God & not have to "live" in church. God isn’t moved by how much money he gives to the church. God wants a personal relationship with him. Not the temporary gratification he gets in being able to say he went to church this week. You & him can have chruch in your living room if ya wanted. God is everywhere so people shouldn’t confine him to four walls. God is in you. Take the time just to say hey I am here. I know you are there & I thank you for my life thus far becuase it is because of Him that you are here. When we really put God first we appreciate him by living the life he has given to us & allow Him to be God. Gotta know God for yourself because some people will twist the Bibles words around to suit their own desires. Sit down with your husband & talk with him. Let him know that if he truly loves God then he will love & honor the covenant you two have made before God. Talk things out. Pray about it together or seperately. Go to Bible.crosswalk.com it can help you search out scriptures to help you in your times of trouble. Also out of concern for you because I had a high risk pregnancy & I had my twins 2 months premature. Don’t stress on these issues. Right now the most important things for you is take care of yourself & your baby. You have to literally give your cares to God. That means don’t think about it. When the thought rises up you let yourself know God has the situation in control & thank Him for that & you literally move on. Please.
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bible.crosswalk.comhttp://bible.crosswalk.com/OnlineStudyBible/bible.cgi?passage=2co+9&version=niv&showtools=0
http://en.wikipedia.org/wiki/Tithe
I think the issue here is you guys are divided spiritually and financially.
It comes out with tithing now but there will be other times when it comes out down the road. For example, what values are you going to pass on to your kids? Are they going to be getting one set from dad and another set from mom? You really don’t sound spiritually on the same page at all.
Financially, it seems that in a marriage whats mine is yours and vice versa. $400 bucks would not matter to you if you had the same values.
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Girl, I know religion can be confusing, but nowhere does it say you have to tithe, especially a set percentage. If your husband does not care that your financial situation at home is extremely tight especially with a new one on the way, then by all means leave him and if he wants to give his whole life to the church, let him do it but without stressing you out. Obviously he’s living in his own world where you and your son do not exist. Leave him before you turn bitter and angry yourself, remember you have alot to give and if this loser does not appreciate it, someone else will. Good luck.
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Your husband is letting himself get into debt and failing to plan for the future because he knows you are his safety net. What would happen if you devoted all your own income to food, clothing, and shelter for yourself and your children? What if you provided no food for him, did none of his laundry, paid no bills that were his alone? Why does he think he should only cover "half the bills"? Don’t his tithes count as bills too? Doesn’t he realize that when your baby is born, you will be off work without pay for six or eight weeks at least?
I think you need to prepare for divorce. You don’t have to go through with it at this time, but you need to protect yourself and the children from financial disaster. While you are still on a payroll, obtain a credit card in your name alone. Don’t use it, though. Don’t even let him know you have it — rent a small safe deposit box and a small P.O. box for your own use, and don’t keep any of your own records around the house for him to find. Keep the card for a real emergency, or against the possibility that you and your husband may part ways.
If you did divorce at some time in the future, the legal system would be the one to look at his gross income and decide the amount of child support he’d be required to pay. He wouldn’t have much to live on if he continued paying tithes and donations as well. Maybe he should chew on that for a while.
I doubt that you’ll get much help from the pastor. Churches that are big on tithing rarely cut anybody any slack about it. The whole idea of tithing from one’s gross income before taxes is so out of whack that I think you’re faced with a really confiscatory church.
Dr. James Dobson’s "Focus on the Family" organization stands ready to counsel people with personal problems like yours. Although he is one of the most conservative Christian leaders out there, he has repeatedly said that that people must provide for their families. Perhaps getting the Christian perspective on tithing from this well-known and well-respected organization will help break the strangle hold your husband’s church has on him. FotF has a large web site and a toll-free telephone number — look them up via Google.
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