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WORLD'S BEST GIFT IDEAS FROM AMAZON.COM

 

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TOP GIFT IDEAS

INSPECTION CAMERA ($39.00)

Borescope camera is great for exploring difficult-to-reach places. You just need to connect the camera to your phone via Wi-Fi and receive a clear high-quality image.

LED PAINTING TABLET ($30.50)

Just put a sketch on the screen with an empty sheet of paper on top. Turn on the light box and draw. Your child can learn to hold a pencil, draw precise smooth lines and be attentive, focused and patient.

MR. SHERLOCK PINGLOCKS ($28.99)

Open up any doors! Unique gift idea for any age. Start new interesting challenges with these 17 tools practicing lock opening. Comes in a book-stylish case that makes it a great gift idea.

OFFICE NINJA DESK TOY ($20.00)

Indoor Blowgun Kit with Soft Ammo and Target will make a perfect gift for your colleague at work or even your boss! The lightweight projectiles are made from a soft plastic and travel very precisely. Be careful!

WINE BOTTLE PUZZLE ($24.98)

A wonderful gift for the wine enthusiast who loves puzzles. This ingenious gift is a unique way to present a hostess or holiday gift of wine. The recipient must solve the puzzle to remove the bottle of wine

MOTION-SENSING LIGHTS ($24.62)

Set of 3 motion-sensing LED nightlights for indoor or outdoor use. The LED directs 20 lumens of neutral white light downward to light pathways and stairs. More than 80 hours of light on one set of batteries!

LIGHTSABER UMBRELLA ($22.99)

The force awakens laser sword led light umbrella, creative and attractive with 7 LED color options.The flashlight function allows you to become the focus of everyone at a rainy night.

MINIMALIST WALL CLOCK ($110.00)

Add some minimalist style to your home with this awesome digital wall / desk white LED clock with white frame digits, alarm, date and time display in mode 12/ 24 hour. Light sensitive controller.

MISFORTUNE COOKIES ($16.99)

These 13 Pechkeks misfortune cookies bite back! Dark cookies, dark humor – individually packaged with four different motifs. Warning! Not suitable for the easily offended or those with no sense of humor!

T-REX BOTTLE OPENER ($39.52)

For roarsome refreshment! This Dinosaur bottle opener is made from cast iron that tears off bottle caps in its jaws. Great for a monstrous centrepiece. The talking point of any party!

CONFETTI HIGH FIVE TOY ($9.95)

At the peak of your celebration when two hands come together for an epic moment of high five bliss, you can’t afford not to have confetti blast high into the air and rain down around your triumphant gesture!

THE MODULAR CAT HOUSE ($140.99)

“Kitty Says Relax” is BoxKitty’s mission and expectation. Boxkitty is a clever line of cardboard cutouts that connect via sticky tabs to form customizable and changeable houses for cats.

RETRO VINTAGE KEYBOARD ($219.99)

Genuine & Luxurious gift idea. The top plate is made with genuine leather to reflect taste, craftsmanship and culture while emitting a unique charm that inspires.

10 IN 1 SURVIVAL KIT ($19.99)

Must have camping gear for every outdoor activities lover! Includes compass, extra loud emergency whistle, fire starter fire scraper and knife flashlight tactical pen etc.

OFFENSIVE BUSINESS CARDS ($19.99)

This funny gift includes a variety of insults, from poor parking to horrible body odor. 100 offensive business card total split up over 8 different templates. Comes in a convenient card holder box for easy storage

COUCH CUP HOLDER ($25.00)

The ultimate drink holder for your sofa, is a one-size-fits-all drink coaster to securely hold all your favourite drinks – hot or cold – on your sofa, couch, armchair or recliner.

THE LOCK LOCKER ($18.70)

Keeps door lock secure from intruders from entering your home. Stops: bump keys, 3D printed keys, lock picks, stolen keys, copied keys, manager/ maintenance.

7 IN 1 PEN MULTITOOL ($10.49)

Discover the most versatile and compact level pen multi-tool for all DIY enthusiasts! The incredible functions and robust design will make it your most trustworthy companion during your weekend projects!

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Medical Insurance
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Medical Insurance
Here's how to choose insurance:
 

In a clothing store, there are usually dozens of racks of jeans to choose from. As you shop, you'll consider what kind of jeans you want, along with how much you want to spend. When you find a pair you like, you'll try it on to see if it fits. 

Now imagine each rack is a different insurance company. You can shop in the same way — by comparing various types of plans, comparing rates, and comparing coverage and benefits. If you shop smart, you can find the best fit for your health needs.— 

Here's where we come in. We make it easy to connect and sort out all the details of a health insurance plan — and help you with the application process. 

 

Individual Health Insurance 

Until recently, most people got their health insurance from their employer. People with low income got their insurance from the government. But now, more and more people are buying private health insurance plans tailor-made for individuals. 

Choosing your health plan isn't only about getting the right coverage — it's also about finding the right price. And individual health insurance is actually more affordable than you think. Just compare rates from leading health insurance carriers to see for yourself. 

First, let's learn about individual health insurance

 

What Kinds of Private Health Plans Can I Choose From? 

There are plenty of individual health plans to choose from. Here are the most common types: 

  • HMOs (Health Maintenance Organization). HMOs are one of the most affordable health plans available — and they offer comprehensive coverage. HMOs create networks of doctors, hospitals, clinics, specialists, and other care providers. Most HMO networks consist of thousands of health care professionals, ensuring you'll have convenient access to medical care when you need it.
  • PPOs (Preferred Provider Organization). The PPO is an affordable health plan with an added benefit — you'll have coverage with any health care provider. That means you can see any doctor or specialist you want, and your plan will cover the care. The PPO is great for flexible, comprehensive, and affordable health care.
  • Health Savings Account (HSA) Plans. There are 2 parts to HSA coverage: a high-deductible plan and a Health Savings Account. The high-deductible plan provides catastrophic coverage and features low monthly premiums. The HSA is a tax-free savings account where you save money to pay for routine medical expenses.
  • Fee For Service (FFS) Plans. The FFS plan is the traditional form of health insurance. It works very simply — you get the care you need, then you're reimbursed for a percentage of the cost.

 

Understanding The Cost of Personal Health Insurance Plans 

Which health plan costs do you need to know about your individual health insurance plan? 

  • Your premiums Your premiums are payments you make to keep your plan in effect. Usually, premiums are paid each month. Premiums are set by your insurance company based on factors such as health status, age, where you live, and where you work.
  • Your deductible The deductible is the dollar amount you'll be responsible for before your plan begins coverage. Most health plans let you choose your own deductible, so how do you choose the amount that's best? It might seem like a lower deductible would be better. But a low deductible means you'll have to pay higher monthly premiums. It works the other way too — the higher your deductible, the lower your month's bills. You'll have to decide if you want lower monthly premiums or lower medical bills for your health care.
  • Copayments and coinsurance If you have an HMO, you might pay $15 at the doctor's office for a check-up. That's called your copayment. You pay a certain dollar amount of the bill and your plan covers the rest. HMOs offer copayments as low as $10, while PPOs often charge copayments of $40 or less. Coinsurance is similar to a copayment, except it's expressed as a percentage rather than a dollar amount. A coinsurance rate of 80/20 means you'll be responsible for 20% of a medical bill. 

Individual vs. Employer-Sponsored Health Coverage 

The majority of people have employer-sponsored health insurance. But the number of people with individual coverage is growing. Today, more than 13 million people have an individual plan. 

  • Why choose an individual health plan over an employer's plan? Here are the key advantages of individual health insurance:
  • Customized coverage. In group coverage, everyone ends up in a one-size-fits-all type of plan. But everyone has different health needs. With employer-sponsored coverage you end up paying for coverage you don't need, or may have to go without coverage for care you do need.
  • Mobile coverage. With an employer's plan, leaving your job means leaving your health insurance. Individual plans protect your health wherever your career takes you. 

Call me today and let me show you how easy the process can be!

 

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