The Health Insurance Marketplace: What It Offers and How to Register
When applying for health insurance, you usually have to share personal information with each private insurance company to find out how much a potential health plan costs. In the Health Insurance Marketplace, you have a simplified way of finding health insurance, comparing plans and reviewing coverage options from different providers.
In the Health Insurance Marketplace, you will need to share your personal information just once and you’ll get:
the ability to compare different insurance companies and buy the health insurance plan of your choice
if you qualify, a new tax credit to help pay premiums for health coverage based on income level
It is important to know that when you apply for health coverage through the marketplace, you need to give more information than is required by individual insurance companies. Additional information is needed to provide medical coverage based on income. In the marketplace, you will have to share the social security number of each family member, income information, details of your employer and any insurance you may have, including Medicare insurance.
By law, each person must have health insurance in 2014 or will pay a fine ($95 per adult, $47.50 per child or 1 percent of your income, whichever is the higher amount).
Ways to Register
There are four different ways you can register for health insurance through the Health Insurance Marketplace:
$1,000 bills exist! Until 1949, the U.S. government printed $500, $1,000, $5,000, and $10,000 bills.
In 1969, the Department of the Treasury and the Federal Reserve System announced these large denomination bills would be discontinued due to lack of use.
$500, $1,000, $5,000, and $10,000 bills are legal tender and may be found in circulation according to the Bureau of Engraving and Printing. Most are probably in the hands of private dealers and collectors.
The largest bill ever printed was the $100,000 Gold Certificate in 1934 and 1935, but it was not circulated. It was only used for transactions between Federal Reserve Banks.
Turn Down the Sound to Reduce your Chances for Noise-Induced Hearing Loss
Noise-induced hearing loss (NIHL) occurs when tiny sensory hair cells in our inner ears are damaged by noises that are too loud and that last for too long.
The max volume of music in headphones is about 105 decibels. That’s 100 times louder than the noise level (85 decibels) at which workers are required to start using hearing protection. Listening to very loud music in headphones for even a few minutes puts you at an increased risk for hearing loss.
Your ears can be your warning system for potentially dangerous noises around you. The noise is too loud when:
You have to raise your voice to be understood by someone standing nearby.
The noise hurts your ears.
You develop a buzzing or ringing sound in your ears, even temporarily.
You don’t hear as well as you normally do until several hours after you get away from the noise.
If you are around noises at this level, take protective action. To avoid NIHL:
Watch Out for Scams Targeting Military Members or Veterans
There are a number of scams currently circulating that target members of the military and veterans, such as fake military charities, identity theft targeting active service members, and veteran pension scams.
In general, all of these scams try to take advantage of military members by offering to provide a service and then taking your money, while you get nothing in return.
Breast Cancer Awareness: Early Detection Saves Lives
Breast cancer affects 1 in 8 women. Although it’s one of the deadliest cancers in the United States, breast cancer is often treatable when detected early.
Mammograms, which are low-dose x-rays of the breast, continue to be vital in the early detection of breast cancer. To learn more, read the publication Mammograms by FDA’s Office of Women’s Health. You can read it online, download it as a PDF, and order print copies for yourself and loved ones.
Visit WomensHealth.gov for additional information about breast cancer, including symptoms, risk factors, treatment, and more.
While the Earth appears to be round when viewed from the vantage point of space, it is actually closer to an ellipsoid. However, even an ellipsoid does not adequately describe the Earth’s unique and ever-changing shape.
Our planet is pudgier at the equator than at the poles by about 70,000 feet. This is due to the centrifugal force created by the earth’s constant rotation. Mountains rising almost 30,000 feet and ocean trenches diving over 36,000 feet (compared to sea level) further distort the shape of the Earth. Sea level itself is even irregularly shaped. Slight variations in Earth’s gravity field cause permanent hills and valleys in the ocean’s surface of over 300 feet relative to an ellipsoid.
Additionally, the shape of the Earth is always changing. Sometimes this change is periodic, as is the case with daily tides that affect both the ocean and the crust; sometimes the change is slow and steady, as with the drift of tectonic plates or the rebound of the crust after a heavy sheet of ice has melted; and sometimes the shape of the planet changes in violent, episodic ways during events such as earthquakes, volcanic eruptions, or meteor strikes.
The National Geodetic Survey of the National Oceanic and Atmospheric Administration measures and monitors our ever-changing planet. Geodesy is the science of measuring and monitoring the size and shape of the Earth, including its gravity field, and determining the location of points on the Earth’s surface.
You hear about it in the news, on social media, and elsewhere - someone has been scammed through an online dating site. You think “That could never happen to me.” But online dating scams have become so sophisticated; anyone can be easily duped these days. Use these resources to prevent an online dating scam before it happens to you:
An online love interest who asks you for money is most certainly a scam artist. They start by proclaiming their love, in hopes of gaining interest and trust as quickly as they can. Often, they want to interact with you over personal accounts rather than the online dating site, to get more personal information about you. Review signs of a scam artist so you are on the look out for blatant signs of a scammer.
In many instances, scammers will say they are American, but are working or traveling abroad. They may then say that a traumatic incident has happened in their life and they need some money to get home, or to visit you. While the State Department strongly discourages sending money to someone you don’t personally know, you can use a State Department Overseas Citizen Services (OCS) Trust, which is sent through Western Union directly to the nearest U.S. embassy to be picked up by your loved one.
The FBI also warns of another scam in which a con artist turns a conversation intimate, and then threatens to post the conversation and intimate information online, saying you can only get out of it if you pay them, even with no assurance that they will actually do what they say. Get more tips from the FBI on recognizing online dating scam artists.
The Bill that Re-Opened the Government and Raised the Debt Limit
Yesterday Congress passed Continuing Appropriations Act, 2014 (H.R. 2775) to fund the government through January 15 and raise the debt limit through February 7, allowing the country to pay its bills. The President signed it into law.