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This holiday season you may want to consider charity gift cards as a unique gift that you can give to that person who is always difficult to shop for. These unique holiday gifts allow you to purchase a gift card where you can get 100% of the tax deduction and your recipient then gets to pick the charity. This a pretty cool idea since there are many health related charities that are always looking for ways to raise funds and this could very well be a new vehicle to raise those much needed capital. The Susan G. Komen for the Cure and the American Diabetes Foundation are just a few of the over 100 charities that your gift recipient can choose from.

The economy is struggling and people all over the country don’t have the extra money like they once did. People that own businesses that sell us products or provide us services are seeing this and many of the things they offer are getting cheaper. You might not find this everywhere right now, but if they want to stay in business you will see prices dropping across the board. Even business insurance is starting to see some competitive pricing as insurers are looking to hang onto their customers and not risk losing additional revenue.

For many seniors this is the time of the year where they can assess their current medicare part d coverage and make changes if necessary. While many seniors will look to take the basic packages that are being offered by the larger insurance carriers there still quite a few who will look to find a Medicare supplement that will help to cover additional costs such as prescription drugs. Having a medicare supplement can help to cover large medical expenses like hospital care and required therapies that basic health plans may not cover in full.

You can expect as the Health Reform bill makes it way through the House and Senate that there will be a greater focus from the Health insurance marketing world to help consumers understand what is at risk and what they can expect if and when the bill is passed. Many of the large insurance carriers have made it known that if a health bill like the one being proposed is passed insurance premiums will go up which is not exactly what government was hoping for. The idea is that with a more freedom to compete that co-pays and insurance costs would go down and this may not actually be the case. They still have a ways to go to settle on one bill but the overall impact on the health care sector and insurance world is yet to be seen.

We have seen and reviewed numerous diet pills that have made claim to promises that appear to be more hype than reality. The new FTC guidelines may help to provide some clarity on how people promote and make claims within the diet supplement industry. The new guidelines requires that celebrities that endorse specific weight loss products must disclose this during any presentations or appearances they are making on behalf of the company. It also has stipulations for online sites that use images of celebrities that may not actually have been endorsed by that celebrity and to disclose the average weight loss that one could expect. So consumers may have some more information to make a better informed decision around the various diet pills that are available.

We were looking at some of the newer offerings from CariD around their led tail lights and the comparable safety and function as compared to regular headlights. There are no specific studies or recommendations that we could find other than some specific facts. Since LED tend to burn brighter and longer you could have less of a chance of failure. The LED lights themselves have a different look to them and could gain your attention faster if you see them on the car in front of you. I know that we have certainly noticed LED lights on cars and they definitely gain your attention.