Tuesday, January 21, 2014

The Fastest Car in the World

The Fastest Car in the World

What is the fastest car in the world? 

A Lamborghini Aventador

Lamborghini Aventador

NO! 

A Lexus LFA

Lexus LFA

 NO!

A McLaren MP4-12C 

McLaren MP4-12C  

NO!

 

It is the Undisputed ....Bugatti Veyron

Bugatti Veyron Resized From Wikipedia, the free encyclopedia The Bugatti Veyron EB 16.4 is a mid-engined sports car, designed and developed by the Volkswagen Group and manufactured in Molsheim, France by Bugatti Automobiles S.A.S. The Super Sport version of the Veyron is the fastest street-legal production car in the world, with a top speed of 431.072 km/h (267.856 mph).[4] The original version has a top speed of 408.47 km/h (253.81 mph).[5] It was named Car of the Decade (2000–2009) by theBBC television programme Top Gear. The standard Bugatti Veyron won Top Gear's Best Car Driven All Year award in 2005. On 6 April 2013, Bugatti set the record for having the highest top speed of any roadster in the world with the Veyron Grand Sport Vitesse, reaching on average a top speed of 408.84 km/h (254.04 mph). The Veyron's chief designer was Hartmut Warkuss, and the exterior was designed by Jozef Kabaň of Volkswagen, with much of the engineering work being conducted under the guidance of engineering chief Wolfgang Schreiber.   So you are probably wondering and some of you car lovers may question that judgement call. I figured that might happen.

I brought some proof of supported evidence

 

Now that was impressive...But Impressive is not enough for the stature of this automobile.

So where could this vehicle be tested to showcase it's peak performance? 

I am glad you asked....See for yourself!

 

So for all you "Fast and Furious" lovers out there, this is the top of the class!

 

Thursday, January 2, 2014

Obama Care in 2014

Obama Care in 2014

Obama Care in 2014 1-2-2014 2-55-09 PM   Good Day Everyone! The world of politics is the governing factor that we must live by. I will openly say that I am not the most knowledge based scholar to engage in a formal debate. I am intelligent. I am aware of the consequences of governmental decisions and how they  can affect us. When I am in doubt, I seek the information to become educated to satisfy my interest, as we all do. We all can express as we all have a voice that can be heard. The Obama Care Act has been of concern to me and some of my family as we have attempted to discuss the "how", "why", and most importantly "when". I advised them that I would do more research to obtain some knowledge to further our awareness. I will not attempt to speak of my own words for I need this sharing of information to be more of fact than opinion. I have found a good source of the answers I sought. I want to share those results with you by simply showing you the source I discovered. At the end of the day, how you individually choose to respond to this mandate is your own decision action. I am a 55+ citizen of the U.S. and an Air Force Veteran with benefits and this applies to me as well...There are no exemptions

Here are my findings......

Obama Care in 2014 1-2-2014 2-54-07 PM  
About.comArticle Submitted by

Obamacare Summary

How Obamacare Affects You

Obamacare is the popular name for the Patient Protection and Affordable Care Act of 2010. Parts of it have already affected you, someone you know and the economy overall. The most controversial part, the mandate that everyone must purchase health insurance or pay a tax, starts in 2014. For more, see When Does Obamacare Start? Here's a quick summary of how Obamacare affects you, depending on your situation. Find out How Much Will Obamacare Cost Me?

If You Already Have Health Insurance

You can keep your existing insurance if it's an individual plan you bought yourself, an employer plan (including COBRA), a retiree plan, Medicare, Medicaid, CHIP, TRICARE and other veterans health care programs, and Peace Corps Volunteer plans. If you have any questions, see qualifying health plans, or ask your health coverage provider. Check to see if your plan was in existence before March 23, 2010, and was therefore "grandfathered in." That means it doesn't have to provide the Obamacare beneifts. Otherwise, all insurance plans must cover 10 essential health benefits in 2014. Many people have had their plans cancelled by the insurance company because it didn't comply with these standards. Obamacare improved the benefits you receive in eight ways.
  1. It allows you to add your children up to age 26 to your health insurance plan.
  2. You won't have a co-pay for wellness or pregnancy exams.
  3. Your insurance company can no longer drop you if you become sick, even if you made a mistake on your health insurance application.
  4. It can't limit the coverage you receive over your lifetime.
  5. If you have a child with a pre-existing condition, you no longer have to worry about losing coverage if you change your insurance. That's because the new insurance plan can no longer deny coverage to children with pre-existing conditions.
  6. If you or another adult has a pre-existing condition, you will get the same protection as your child in 2014. Until then, if you get denied coverage by a new insurance company, you can get temporary health insurance coverage from the state. (Find out more about the Pre-Existing Condition Insurance Plan)
  7. Insurance companies must submit justification to the states for all rate hikes. Obamacare provides funding to the states to administer this.
  8. You may have received a rebate from your insurance company. Obamacare requires that they spend at least 80% of premium payments on medical services, instead of advertising and executive salaries. If they can't, the money goes back to you.
Many people are concerned that their company will cancel their health insurance, forcing them to go on Obamacare. However, that probably won't happen. Companies offer health insurance as a benefit to attract good employees. They see it as cheaper than offering higher wages, because they don't have to contribute their share of payroll taxes.
However, some companies might find it more cost-effective to pay the penalty, knowing their workers can get coverage on the health insurance exchanges. Others may prefer to shop the exchanges themselves to get a better deal. The CBO estimates between 3-5 million employees might lose their existing plans as a result.(Source: CBO, The Effects of the Affordable Care Act on Employment-Based Health Insurance, March 15, 2012)
If anything, your premiums should decrease over time, as Obamacare is designed to lower health care costs. By allowing parents to add their children, more healthy people are paying premiums but not using the system as much. This adds to health insurance companies' profits, which should mean lower premiums over the long run. Similarly, Medicare recipients now have more of their prescription costs covered, allowing them to continue taking medications needed to prevent emergency room visits. By 2014, everyone will be required to have health insurance. This means that more people will use preventive medical care, instead of waiting until they have to go to the emergency room. The average emergency room visit is $1,265, and hospitals have to eat this cost for indigent patients. When these costs are transferred to insurance companies or prevented, hospital costs, and therefore overall health care costs, will drop. Note: All the above benefits apply to everyone once they get health insurance.

If You Don't Have Health Insurance

Starting in 2014, you will be required to purchase insurance or pay a penalty of as much as 1% of your income. You can shop for the insurance that meets your needs on the health care exchanges. If it's any consolation, members of Congress are also mandated to get their health insurance through the same exchanges, instead of the government-provided health insurance they get now. Unlike you, however, they get a $4,500 subsidy for individuals ($10,000 for family coverage) to help pay the cost. (Source: WSJ, Members Only, August 8, 2013; Affordable Care Act) Exchanges allow you to compare health plans before you buy one. The exchanges also help you find out if you qualify for tax credits or other government health benefits. States are being given substantial Federal grants to fund the exchanges. Find out your state's status.

If You Can't Afford Health Insurance

You will qualify for Medicaid if your income is 133% or less of the Federal poverty level (In 2013, that's $15,281 for an individual, or $31,321.50 for a family of four). This will be funded by the Federal government for the first three years, and 90% after that. Learn more about Medicaid. If you don't qualify for Medicaid, you are eligible for a tax credit if your income is under 400% of the poverty level ($45,960 for an individual, or $94,200 for a family of four). You get the tax credit each month, instead of waiting for your annual tax rebate. You may also qualify for reduced copayments and deductibles. Here's How to Get Obamacare.

If You Are on Medicare

You now receive many wellness and preventive care visits for free. See Medicare Preventive Services for the full list. If you have Medicare Part D, Obamacare helps pay for your prescription drugs if you fell into the "donut hole." For more, see Drug Discounts. By 2020, the donut hole will be eliminated.

If You Are a Small Business Owner

25 employees or less - You can get a tax credit of 35% of the costs of health insurance. This goes up to 50% in 2014. Less than 50 employees - You don't have to pay a fine if your workers get tax credits through an exchange. 50 or more employees - You must provide health insurance or pay a tax of $2,000 per employee (for all but the first 30 employees) starting in January 2015. Less than 100 employees - You can shop for insurance on the exchanges in 2014 that should provide cheaper alternatives than are available now. If you offer health insurance as a benefit to early retirees 55-64, you can get Federal financial assistance. Find out how at ERRP. For more resources to help small businesses comply with Obamacare. Note - This article summarizes Obamacare benefits. To find out about taxes and fines, please see Obamacare Taxes. (Source: Healthcare.gov, The Healthcare Law and YouArticle updated December 19, 2013
Article Submitted by About.com
Obama Care in 2014 1-2-2014 2-56-48 PM

Monday, December 16, 2013

Banking Industry Education

Banking Industry Education

Your Financial Education Resized
Learn why our Banking Industry Education  is so popular with individuals and businesses throughout the United States.
 VIP Financial Education was founded on integrity over a decade ago and has been developed by a dedicated team of 44 financial and business leaders with over 400 years of combined experience. These experts consist of Bankers, CFPs, Collection Specialists, CPAs, Credit Experts, Investors, Realtors, Mortgage Professionals, Attorneys, and more. After 12 years of development and hundreds of focus classes, VIP released this invitation only online access to our curriculum; an award-winning curriculum which teaches a way to solve the banking equation for the average consumer and business owner. VIP has nearly eliminated marketing costs because our classes are shared socially. This has allowed us to temporarily avoid charging to attend or share the trainings. For those who qualify, we provide ongoing personalized coaching with our experts. This ensures techniques taught in our classes are implemented safely and always up to date. Watch all of our tutorials with no obligation, share your feedback, and share with others about our Banking Industry Education. Your Financial Education vip+financial+education+banner+580+X+72

Saturday, December 14, 2013

Winter Storm Hits Indiana

Winter Storm Hits Indiana

Winter Storm Hits Indiana 12-14-2013 2-29-43 PM   December is definitely bringing its true essence as The National Weather Service issued a winter alert for winter storms to hit the Northern and Southern Indiana counties.
It is expected to receive in excesss of "3-4" inches cumulative with snowfall to end by early PM Saturday. We did receive snowfall on Friday evening that has now carried over into Saturday as predicted. Many residents on Saturday morning were shoveling and snow blowing from the Friday downfall. This is  just the beginning of what we anticipate in the winter season here in Indiana. So for all of you traveling to and from as you engage in your routines.... Be Safe during this winter storm.
Give Yourselves Plenty of Time to Reach Your Destinations 
Let's Take a Ride and See What I Saw Saturday AM December 14, 2013