The Medicare Trust Fund will soon be out of money, and there will be no practical way for the government to continue to provide the level of benefits that current Medicare recipients receive. The result will be serious rations, waiting periods, and a reduction in benefits. If you wish to maintain your medical freedom, and have access to a high level of medical service, you must be prepared to pay for it yourself. The best strategy is to take good care of your health, and to build up your medical retirement fund as large as possible by using a Health Savings Account.

The Coming Medicare Insolvency

The total federal debt is now over $10 trillion. But if you also include the current unfunded liabilities of social security, Medicare, and other programs, the total federal debt is at least $54 trillion. This number has been confirmed in three separate studies – by the American Enterprise Institute, the National Center for Policy Analysis, and the Brookings Institution.

It is difficult to get a grasp of a number that big. That’s $180,000 per person currently living in the United States. It is four times the U.S. Gross Domestic Product, the measure of the final value of all goods and services produced in this country in the course of a year.

As the program is currently structured it is unsustainable, and the fund is expected to be depleted by 2018. That is a mere 11 years from now. The shortfall in Social Security and Medicare revenues will continue to increase as the years go by – it will exceed $2 trillion by 2030. At that point, half of all tax dollars will have to go to Social Security and Medicare.

That clearly can’t happen. Instead, the system will face massive cuts in benefits, probably in addition to large tax increases.

Who Will Pay Your Medical Expenses During Retirement?

So will Medicare be there for you? It depends on how old you are. Unless you are retiring in the next couple years, I certainly wouldn’t count on it, particularly if you want to insure that you have access to high quality medical care during your retirement years.

Last year Fidelity Investments reported that the average couple retiring in 2006 would need $200,000 just to cover medical expenses during retirement. That estimate did not include the cost of over-the-counter medications, most dental services and, long-term care, if needed. And it did not include the charges that are currently paid by Medicare.

If we cannot depend on Medicare to be there for us, the only smart solution is to save as much money as possible. This will ensure that you can obtain the quality care you need. If you are not currently putting as much money as possible aside to pay for these expenses yourself, you are making a serious mistake.

What Is Your Solution?

As most readers already know, the very best tool for accumulating funds for future medical expenses is a Health Savings Account. An HSA is the only investment that provides a tax deduction when you deposit the money, yet never taxes the money if it is used to pay for qualified medical expenses.

Therefore, you should put as much money as possible into your HSA, and withdraw as little as possible. The contribution limit for 2007 is $2,850 for an individual, and $5,650 for families. Those over 55 can also contribute an $800 catch-up contribution. Making the maximum contribution each year will help you build a medical retirement fund that can be used to pay future medical expenses, tax-free.

Rather than withdrawing money from your account to pay for medical expenses as they occur, you should pay for medical expenses that are not covered by your health insurance, out of your own pocket. Save your receipts (for doctor visits, eye glasses, aspirin, etc), and leave your money in the account to grow tax-deferred. There is no time limit before you have to reimburse yourself, so you can make the most of this tax-free investment.

As soon as possible, you may also want to transfer some of the money into mutual funds. While some HSA administrators are paying interest rates as high as 5%, the only way you are going to really grow the account is to get a much higher return on your money. Many HSA administrators offer a discount brokerage option, so you can place your funds in virtually any stock or mutual fund.

For a family that contributes the maximum contribution each year, it is quite reasonable to assume an HSA account value well over $1 million after 25 or 30 years. Medicare may be broke, but at least you won’t be.

“Medicare HSAs?”

The solution to the pending Medicare meltdown is very complicated, but it is clear that government-run medical programs don’t work. The dismal results can be seen everywhere, from the former Soviet-bloc countries, to the broken down national healthcare systems of Canada and Europe. Medicare must be transformed into a program where seniors have an ownership interest in the money they are spending.

Replacing the government’s obligation to provide benefits with a voucher that seniors could use to purchase health insurance from competing private insurers, and/or deposit into a “Medicare Health Savings Account,” would bring market efficiencies and competition into the picture. This idea is endorsed by both the American Medical Association and the American Hospital Association.

Retirement HSAs may or may not ever come to fruition. But fortunately, HSA plans are available to those under age 65. If you do not yet have an HSA, get signed up for one now. You will lower your health insurance premiums, and can begin putting money aside for medical expenses you will almost inevitably incur during your older years.

If you have serious problem on your sexual life due to your “tool” is too small, you should go to your doctor and get some advice immediately. This is not small thing and your life can be happier once you get the bigger. Perhaps your doctor will suggest having penis enlargement treatment beside drug and natural treatment to increase your stamina while you make sex activity with your couple

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Living a healthy lifestyle will not only make us feel better physically and mentally, but it can also greatly improve our productivity at home and work as well. Many people think they lack the time (or money) that it takes to lead a healthy lifestyle, but the fact is that it is far easier than one might think. Making small, simple changes that lead to a healthy lifestyle is as easy as taking a look at what we put in our bodies and how we treat ourselves on a day-to-day basis.

Eating properly is essential to providing our bodies with the proper fuel that is needed to get us through each day. Fueling our bodies with excess sugars and highly-processed foods increases the production of insulin in our systems, which eventually affects the sugar in our blood. This up and down in our blood sugar levels drain our energy and keep us from focusing on the tasks at hand.

Eating whole grains and complete proteins will level out the blood sugar and will also help decrease food cravings throughout the day. Our bodies are much better able to use the fuel supplied when the sources include lean proteins, whole grains, fruits, and vegetables. The result is sustained energy and proper nutrition. Highly-processed foods do not provide the vitamins and minerals our bodies need, and may actually harm us with additives such as Trans fats and preservatives.

Even if we practice proper eating habits, we may not always get the nutrition we need. If our diets are lacking nutrition due to a hectic lifestyle, supplementing with vitamins, minerals, and/or herbs can help. Deficiencies in many vitamins and minerals can cause problems with digestion, eyesight, and even sleeping patterns. Keeping the proper level of nutrients in our blood gives our bodies the added fuel when our diets fail to provide it. A good multi-vitamin will include most of what is needed, but choose a chewable brand for maximum absorption.

Another important factor in healthy living is staying hydrated. Providing hydration for our bodies is crucial to keeping our systems working optimally. Our bodies are composed mostly of water, and require about two liters of water per day, not only to maintain the proper water level, but to also flush out the impurities that are created through the body’s daily processes. Proper hydration is necessary in sustaining our energy, and also aids in properly burning the fuel we have taken in by way of food.

To burn the extra fuel we taken in, we must exercise and burn calories. Without exercise, our bodies will only burn so many calories daily. Any excess fuel will turn into those ugly fat deposits so many of us wish we didn’t have. It is now suggested that to lead a healthy lifestyle, one must incorporate a half hour of exercise each day. This can be fulfilled by simply taking a pleasurable one-mile walk during lunch or after work. Speed and distance aren’t usually as important as keeping your body active on a daily basis. This alone should give you the pep and vitality needed to be more productive at home or work.

Finally, we should always listen to what our bodies are telling us when we are sick or feel “out of sorts.” This is the body’s way of telling us to recognize that we aren’t leading as healthy a lifestyle as we should. If we make some of the simple changes mentioned above, we will go a long way putting our mind and bodies back in shape.

If you’re looking for affordable health insurance for your kids, look no further. The National Association of Social Workers may have just the solutions you’re looking for.

According to the National Association of Social Workers, too many kids are left without proper health insurance because their parents either don’t know about the options out there for their kids or they believe that purchasing health insurance for their kids will be too expensive. However, to date “a new nationwide health insurance program is beginning,” which means families who work, but still can’t afford adequate and affordable health insurance for their kids, will be able to get health insurance for free or at a low cost.

Also to date, a Children’s Health Insurance Program is being designed in each State throughout America to help make health insurance for kids even more affordable; this is also thanks to the National Association of Social Workers. For the time being, most children from low income families qualify for Medicaid for free.

Obviously the National Association of Social Workers has been hard at work making sure your kids can get the affordable health insurance they need. Remember, just because you aren’t able to find work that offers health insurance benefits for you or your children doesn’t mean you are failing your children in anyway. You just have to take those extra steps to find out what’s out there for your kids and how you can obtain it for them.

If you are having a difficult time getting your kids the adequate and affordable health insurance they need, you are not alone, and the National Association of Social Workers is working to make sure you, and no one else, has to be in these situations again.

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