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Monday, January 27, 2014

How To Make Pancakes

http://article.shoppingcenterreview.com/how-to-make-pancakes/

Pancake is a very special menu for breakfast or any other time, many stores are selling pancakes and other snacks. But it would be nice if we could make own pancakes. Because not every time we can get pancakes which are in accordance with our tastes. And there is more enjoyment when we can make their own pancakes, of course we can create pancakes to suit our tastes.
Now we are going to make pancakes with the simple way. Prepare a large bowl (would be better if you use a food processor).

And prepare the dough ingredients to make pancake as follows:

Pancakes recipe
( cp = cup, tsp = teaspoon , tbsp = tablespoon)

0.25 tsp salt
1 Tbsp granulated sugar
2 cups all-purpose flour
2 tsp baking powder
3 eggs
2 cups whole milk
2 Tbsp melted butter
Vegetable oil for cooking + butter for cooking
Butter adds a perfect taste to the pancakes, but butter will burn too easily. Adding a bit of cooking oil will prevent burnt pancakes.

We begin by entering dough ingredients such as sugar, baking powder, salt and flour into a bowl. To get the dough mixed with ease, make a well in the dough, and enter the egg on it. Add milk regularly until dough holds together well.
Prepare a griddle over a medium heat (Cook over medium heat or around to 375°). Add a tiny bit of cooking oil onto the griddle and blend it with the butter..
Pour batter into hot griddle, every pancake is composed of 1/4 cup of batter onto the griddle. Cook until the tops of the pancakes are full of bubbles and the bottoms are golden brown about 1 min. Reverse the pancakes and cook until the tops are golden brown
Make sure the bottom of your pancakes are golden brown, you can use a palette knife to do it. Enjoy your first pancake…

Read More Dish Type Recipes :

Homemade chocolate using cocoa powder
How to make banana bread
How to make a simple chocolate cake

Tuesday, January 7, 2014

Top things to know about choosing a insurance plan

Just because it is the most expensive plan doesn’t mean it is the right one for you. Not everyone needs a “Cadillac plan,” Harte says. Less than 10% of the population is admitted to the hospital every year.

Look at what you spent last year. If you notice you didn’t go to the doctor very much, or didn’t get a lot of prescriptions, and you have some savings, pick the plan with the less expensive premiums. The deductibles will likely be higher, but even if you have to visit your primary care physician once or twice, it’ll probably still be cheaper. Plus, with Obamacare, all plans that are not grandfathered in will cover preventive health services, whether you meet your deductible or not.

Each insurance brand may offer one or more of these four common types of plans:

Here are 6 things to consider before choosing a health insurance plan:

The category you choose affects how much your premium costs each month and what portion of the bill you pay for things like hospital visits or prescription medications. It also affects your total out-of-pocket costs.
Plans in all categories offer the same set of 10 essential health benefits and the categories do not reflect the quality of care the plans provide.
When choosing your health insurance plan, keep this general rule of thumb in mind: the lower the premium, the higher the out-of-pocket costs when you need care; the higher the premium, the lower the out-of-pocket costs when you need care.
Think about the health care needs of your household when considering which Marketplace insurance plan to buy. Are you likely to need a lot of care? Or a little?
If you can’t afford health insurance, you may be able to get lower costs on your monthly premium. You may qualify for lower out-of-pocket costs for copayments, coinsurance, and deductibles.
Other options like Medicaid or the Children’s Health Insurance Program (CHIP) may be available to you. The Marketplace also offers catastrophic plans to people under 30 years old and to some people with very low incomes.

HMO delivers health services through a network

Take a minute to learn how these plans differ. Being familiar with the plan types can help you pick one to fit your budget and meet your health care needs. To learn the specifics about a brand’s particular health plan, look at its summary of benefits.
Health Maintenance Organization (HMO)

An HMO delivers health services through a network. With an HMO, you may have:

The least freedom to choose your health care providers
Predictable out-of-pocket costs
The least amount of paperwork compared to other plans.
More preventive care in your benefits package
A primary care physician to manage your care and refer you to specialists when you need one so the care is covered by the health plan

What doctors you can see. Any in your HMO’s network. If you see a doctor who’s not in the network, you’ll have to pay the bill yourself — unless it’s a true emergency.

What you pay.

Premium
No deductible
Copays for each type of care

Paperwork involved. No claim forms. You won’t get bills for care that is covered.

Read more:

Preferred Provider Organization PPO

With a PPO, you may have:

A moderate amount of freedom to choose your health care providers — more than an HMO
Higher out-of-pocket costs than an HMO
More paperwork than other plans if you see out-of-network providers
The ability to manage your own health care

What doctors you can see. Any in the PPO’s network. You can see out-of-network doctors, but you’ll pay more.

What you pay.

Premium — Your monthly payments are based on the negotiated rates PPOs have with their network providers.
Deductible — Some PPOs may have a deductible. You may have to pay a higher deductible if you see an out-of-network doctor.
Copay or coinsurance — A copay is a flat fee, such as $15, you pay when you get care. Coinsurance is when you pay a percent of the charges for care, such as 30%.
Other costs — If your doctor charges more than others in the area do, you may have to pay the balance after your insurance pays its share.
Paperwork involved. There’s little to no paperwork with a PPO if you see an in-network doctor. If you use an out-of-network provider, you’ll have to pay the provider. Then you have to file a claim to get the PPO plan to pay you back.

Read more:

Point-of-Service Plan POS

A POS plan blends features of an HMO with a PPO. With POS plan, you may have:

More freedom to choose your health care providers than you would in an HMO
Out-of-pocket costs you can control
A moderate amount of paperwork if you see out-of-network providers
A primary care physician who coordinates your care when you use network providers

What doctors you can see. In-network providers your primary care physician refers you to. You can see out-of-network doctors, but you’ll pay more.

What you pay.

Premium -- With a POS plan, the premium generally stays low because the deductible is high.
Deductible – You pay a higher deductible if you see an out-of-network provider.
Copays or coinsurance — Your coinsurance is higher, such as 30%, if you see an out-of-network provider.

Paperwork involved. If you go out-of-network, you have to pay your medical bill. Then you submit a claim to your POS plan to pay you back.

Read More:

High-Deductible Health Plan With Health Savings Account

You may be able to pay less for your insurance with a high-deductible health plan. With an HDHP, you may have:

One of these types of health plans: HMO, PPO, or POS
Higher out-of-pocket costs than many types of plans, but if you reach the maximum out-of-pocket amount, the plan pays 100% of your care
A health savings account (HSA) to help pay for your care because the money you put in savings is not taxed
A moderate amount of paperwork
To manage your own health care or use a primary care provider, depending on the plan

W hat doctors you can see . This varies depending on the type of plan — HMO, POS, or PPO

What you pay.

Premium: The premium is the lowest for a HDHP compared to other plans.
Deductible: The deductible is high — sometimes more than $3,000 a year for one adult and $6,000 a year for a family. With an HDHP, though, your preventive care is free even if you haven’t met the deductible.
Copays or coinsurance: The kind of health plan you have — HMO, POS, or PPO — determines which one you pay.

With an HDHP, your out-of-pocket spending is capped. For instance, if you have insurance only for yourself, the most you have to spend in a year is about $6,250. If your insurance plan is for your family, the most you have to pay in a year is about $12,500. The totals include your deductible. If you reach this amount, the HDHP pays 100% of your care.

Paperwork involved. The amount of paperwork varies, depending on whether you get care from a PPO, HMO, or POS plan. Keep all your receipts so you know when you’ve met your deductible.

Read more:

Health Savings Accounts Help You Save Money

If you have a high-deductible health plan (HDHP), you might also want to have a health savings account (HSA). This is an investment account that grows tax-free over the years. You put money in the account before you have to pay any taxes on it, so you save money. You don’t pay a tax when you spend it either, as long as you spend it on qualified health expenses — health care or products on an IRS-approved list.
HSAs must be paired with an HDHP, which means you must pay a large amount of your health care costs before your insurance pays anything.

What You Can Use the Savings For

You can use the money deposited in a health savings account for:

Co-pays
Deductibles
Hospital costs
Prescription drugs

You can also put aside money for dental work or vision care expenses.

Some plans allow you to use it for over-the-counter medicines if your doctor writes a prescription for them.

Requirements: You can only get an HSA if you’re enrolled in an HDHP. The plan must have at least a deductible of $1,250 a year for one person and $2,500 for a family.

Amount you can save a year: In 2013, you can put up to $3,250 if you’re single in your HSA. If you have insurance for your family, you can put in up to $6,450 for a family. If you’re over 55, you can put in $1,000 more. Your employer can contribute to an HSA account for you. However, your combined contributions can’t exceed the maximum amount allowed in a given year.

Benefits: You don’t have to spend the money you deposit into an HSA the same year it was deposited. It carries over from year to year, and the money grows tax-free.

Like a 401K account, you can take your HSA with you if you change jobs.

You can have an HSA and a dependent care flexible spending account (FSA). But you can’t put money in an HSA if you use your FSA account to pay for medical expenses.

Warnings: You need to report your HSA on your federal tax return. However, you can claim the money you’ve deposited into the account as a tax deduction and subtract it from your gross income. If you use it for anything except medical expenses, you will have to pay tax on it plus a 20% penalty.

Read more: