Owners Login

User Id

Password:

Immediately Take Ownership of A Million Dollar Inventory to Guarantee your online Business Success

Simple Proven Recession-Proof  online Business

... If You Can Point and Click

Then You Will Profit From The Home Income Portal

Let me ask you this ?  If you had a Retail Store with 190 Retail Store Branch Locations Worldwide, selling to more than a Million Dollars in inventory in every one of your 109 Branch Locations Worldwide to Millions of Customers !!

Will You have a Successful Financial Business on the Internet ?

 The Home Income Portal is the Ultimate Business Building Blueprint that will be Responsible for Generating Millions of Dollars In Revenue for you over The Next Year!

Buckle your seatbelt...

because you are about to take the ride of your life, and discover the most complete, most comprehensive, easy to operate online business ever devised!

The Home Income Portal blueprint is a "success plan" formulated by a mastermind group of top marketing experts.

It is the foundation upon which multi-million dollar direct response companies are built. STOP everything you are doing right now! If you are confused about what it really takes to experience success online, it is the absolute fastest way to build a *real* internet business.

A business that can quickly generate revenue, but also continue to grow and prosper month after month, year after year.

Will you enjoy Financial Business Success ?

The Great Recession is over by most accounts, but the Great Income Squeeze lingers on. This state of affair is torturing both the poor and wealthy alike.

It is Fate pointing the World Towards a New Direction in Earning Income. The only online Business that puts you on the internet immediately with your own business to generate a real income that will only continue to grow. The only online business that includes one of the most  Advanced Marketing Support Infrastructure online today.

A Team assigned to build 106 Retail Branches Around The World online on 106 established and indexed Domains (see below) with Unique Niche Content to Dramatically Generate Income that is paid directly to your account.

The Millionaire Maker Strategy

The Home Income Portal Is The Result of The Collaboration of 13 Top Experts With A Combined 62 Years of  - In The Trenches - Internet Marketing Experience.

Bottom Line: You Will NOT Find A More Complete, Comprehensive, online business anywhere!

Only one burning question remains...

Will you tap into their mastermind plan and take full advantage of the Home Income Portal that can bring you fast online profits

 

Heck !!,

I do not want to wait, I want my own Worldwide online Business. Subscribe me now ..

This Is Not Just About Making Quick Profits ... It's About Building A Real Internet Business

The Home Income Portal is the final result of business evolution to provide a blueprint with the potential to create income for you month, after month.

Every Owner Instantly own a Million Dollar Inventory of ebooks, scripts, software, video and Audio Products

for their own use and Sell online.

An Ever Increasing Selection Of Audio, Video Tools, AND Tutorials To immediately build your profits online ....

Like Selling Digital Products Daily to Millions here .

Full Digital Product Inventory and Secret Affiliate Strategies for Daily Sales in the Owners Lounge.

Tradebit.com

Earn Full Profit from your private Digital Product Sales and up to 75% Affiliate Commissions on every Referred Sale.

Inside The Home Income Portal Owners Lounge, you have more than A Million Dollars in Digital Product Inventory, it cost you zero dollars- yet produce Millions in sales for you, simply by using the Super Affiliate Sales Strategy inside.

Then You Have What It Takes To Profit From The Home Income Portal

A Million Dollar Inventory to Generate a Million Dollar online Business For You

Click This Banner Now

Click The Banner Instant Income on Auto-Pilot

There's no time like right now to get started! It won't cost you a penny to start driving Income to your Bank Account.

If you've tried and tried again to Break Through in Affiliate Income Generation, and have a hard time doing so - that's all about to change.The Home Income Portal will change your Life.

The Traffic Train travels through 130 Million Websites Worldwide, with 100 million or more passengers daily - uniting Communities everywhere delivering Traffic at every Stop.

Viral Traffic Dominator Activated

 

 

Starting an online business can be confusing to many,  perhaps even TO YOU !!

 

Heck !!,

I do not want to wait, I want my own Worldwide online Business. Subscribe me now ..

Leverage The Power of The Internet  with your online Business Ownership

home income portal

Explode Your Passive Income while you Dominate the Internet with this Revolutionary New Passive Income Building Website

It Is Already
Making Thousands a Day in Profits For People Just Like You

The Home Income Portal Pumps Out Sales   for you twenty four hours a day, seven days a week.

The Home Income Portal ..

DON'T Require Huge Amounts Of Capital To Get Started... only a small Hosting subscription is required

Produce Super Fast Profits...  online   Step-By-Step Customizing your Affiliate Codes in the Owners Lounge that takes A Couple Of Hours And Generates Steady Profit.

Doesn't Take Any Special Technical Knowledge Or Even Hard Work To Earn Thousands Of Dollars Per Month... You Don't Even Need To Know How To Set Up A Website!

Will Work For YOU... The Home Income Portal is So Easy Yet Effective It Doesn't Matter What Age, Sex, Education Or Background You Have

Click The Banner Now For Instant Surprise Bonus

There are tons of so called Gurus out there in Cyberspace selling 'How to" ebooks on the subject of 'Starting your online business', most of which (in reality), is either just repeated info from someone else or proven to be ineffective.

The Home Income Portal online Business puts you in your own online business immediately, and get you earning with your own products and services instantly.  The Home Income Portal is the Only Formula That Will Build You A Long Term Online Business starting Right Now !!

At the heart of your powerful web site will be the best-selling searchable web mall available anywhere. This mall is stocked full of the web's hottest selling products and services.

There is nothing for you to stock, nothing for you to ship, and no payments to process! All of these details are handled for you by The internet retailer.

Each Franchise Owner have their own unique identity that is automatically tied to each and every single one of the products and services.

Your Retail profit (up to 75% on each and every sale paid directly to you) of these thousands of products and services from your 106 Income Portals!(see below for these portals) That's right, I said that you can profit up to 75% on each and every sale!

 

Heck !!,

I do not want to wait, I want my own Worldwide online Business. Subscribe me now ..

The Internet offers You the Quickest, Simplest & Downright Laziest Ways to earn a Passive Income from Home.

Let Me Show You How It is Possible For Anyone Regardless Of Their Skill Or Experience To Claim their Piece Of This Multi-Billion Dollar Phenomena"

No Experience Needed,You Can Do This Even If You Are A Newbie!   Super Secret Affiliate Strategies Employed by The Home Income Portal Team will Have you Building Cash Every Single Day, with your Home Income Portal.

(* you pay a small monthly hosting fee)

We Do This For You

Traffic is Flowing through to all Home Income Portals from  Guaranteed Traffic Contracted from

MONSTER TRAFFIC click here

 

 No Products Needed - We' Build and Install For You 106 Passive  Income Websites Stuffed with Thousands of Products and Services-some you own outright.

You are Paid Directly by all your Customers and by Your Affiliate Programs. No one on the internet is doing this, you earn as much as you like, there are no limits.

No Website Needed! (only The Home Income Portal will do this for you) - 106 Passive Income Website are installed with your unique identifier on 106 Domains to start you earning directly in your Worldwide online Business.  

We took the Home Income Portal and fused it with the best-known affiliate income programs to give you total control over all of the affiliate programs that YOU choose, like clickbank, Amazon, Webdawg, and much, much, more ...

Building a reliable, predictable income from the internet requires that you not put all your eggs in one basket so to speak. We have selected the most dependable and respected affiliate programs and integrated them right into each and every Portal.

You select the ones you want to use to build your income and with a few clicks of the mouse Voila! the products and services appear right on your Portal- as simple as that!

Most Newbies started their online business just like this. They build their income starting with just one check or Paypal Payment - and build their business to receive OVER 120 checks each and every month! That's like 4 payday every single day of the month!  Every Successful Newbie LOVE doing business on the internet!

 

Heck !!,

I do not want to wait, I want my own Worldwide online Business. Subscribe me now ..

You can do it too!

The Hottest Selling Products!

 

Banner Fiesta

Banner Fiesta is your Full Time Banner Rotation Service that delivers over 14 Million Impressions from our Network of 300 Million Website Pages to your Customers.

Your Customers Pay You Directly 14.00 USD every month to subscribe for this Service.

Click Here to Subscribe For Banner Fiesta From   Me, Get Your Website Visible on 4 Million Websites

Start Promoting TODAY for Unlimited growth and Unlimited Earnings.!

Free Set-Up!:  Your Professional Team Will Set Up your online Business For You Absolutely Free. Start achieving unlimited income immediately

Crush Your Competition INSTANTLY and Make A Killing Online.

Not only does it work for me, it can work for anyone. I mean that. This will work for absolutely anyone, because you are earning your income from home through The Most Successful Internet Companies Today, and they pay you DIRECTLY.

Yep, that is right - You are paid directly, therefore its all yours - Every one of the 106 Website earn you passive income directly.

Therefore, lets get real. Most newbies - Heck !!, 99% of all New Entrepreneurs online will fail in the business adventures because of these reasons ...

OK, Sounds Great......So How Does It Work?

Dominate Any Niche And Drive Hordes Of  Traffic, With Wallets In Hand, To Your Very Own online Business That Is Ready To Start Pumping Out Sales For You Today

The Home Income Portal is a fully featured online business that consists of a totally installed marketing infrastructure that sprawls Worldwide on 106 Passive Income Building Websites, each on seperate domains, designed with newbies in mind for ease of use, but powerful enough that even the most seasoned webmasters are building their business with The Home Income Portal !!

Simply put, pretty much anyone can use and earn unlimited Income From Home with a Home Income Portal

 

 

 

The Home Income Portal ..

    Each Home Income Portal site is custom built around unique 106 Domain Names. We install your complete Passive Income Websites.

    No Webmastering skills or experience needed!  Your Home Income Portal is automatically updated and maintained by our professional staff.

    No Products Needed! Each Home Income Portal automatically places the hottest selling products instantly in each page of your Home Income Portal.

    Your Home Income Portal automatically displays thousands of ClickBank products with your ClickBank nickname built right in!. Each product pays you up to 75% commission.

    More Flexibility & Control? That means that no two Home Income Portal sites will ever be the same, you offer your customers unique content and products. It is simply the most powerful and dynamic way to build your Passive  income from Home.

Honestly, if you can't make money with The Home Income Portal, you are either in the wrong business or you are dead. Nobody & I mean NOBODY offers you what Home Income Portal does.

 

Heck !!,

I do not want to wait, I want my own Worldwide online Business. Subscribe me now ..

We Do This For You

Traffic is Flowing through to All Home Income Portals from  Guaranteed Traffic Contracted

from

Revisitors

click here

Check out some of  Features  ...

 

The Home Income Portal Has It All

    Plug-n-Play' Live online Business Generating Sales & Income all Year Round in Real Time

    This is your online Business. no hype, Your customers pay you Directly. This is not an affiliate program, its your business.

    Your Customer Pay You  100% (percent) of the Full Retail Subscription Price Directly for all your Products and Services like Traffic Magnet and Banner Fiesta.

    Immediate Products and Services provided, No need to develop and build a product or service by yourself for sale. (see products and services below)

    Traffic Stream Installations. We continue to Install Each Traffic Streams directly to your Portals. It is very Time Consuming, since each is done manually for you.

    Advanced Auto Bot Technology  State of the Art Technology automates the entire process in building and generating sales for you.

    Your followers are on self growth. This means you will have hundreds of  thousand followers coming to all your Portals. This, will create 2 Events,

  • Grow your Backlinks Automatically
  • Direct Traffic To Your Portals

    Your Customers Start Buying From You.

    No Hidden Costs, Simply a Hosting Subscription

    All of the above features, to get your Income Recovery Program started right away with your online business.

    Complete All Year Round online Business Hosting. You do not need to worry about Hosting Accounts,FTP, uploading or Bandwidth. We Host your entire online Business Live, all year round.

    Your Team Install and Host your (completely designed and ready to do business on the internet ) online Business Website

    Your online Franchise Business is Live doing business on our network of servers .

    Handle all Maintenance and Support entirely on a Subscription Basis

    Nothing on the Internet compares to it, you get it all with the Home Income Portal Franchise Website. Unlimited Bandwidth, No Fuss,No Worry Hosting Solutions for your online Business, products and services, affiliate income and Multiple Streams of Income.

    All your Customers receive Full Customer Support from a Central Support Department. You invest more of your time building your online business.

    Full Professional Web Design and Update. A Design Team creates Professional Web Design and updates it seamlessly for you. No need to create Websites or anything. Expert Web Designers do it all for you.

    Search Engine Sitemaps Created. You need your online business to get Organic Traffic from Search Engines across the Internet. We create the Sitemaps and Submit them to Search Engines across the Internet for you.

    Back Links to all your Portals. Your team manually build 'back links' for each of your Portals to get it visible on the Internet.

    Page Rank Rules, and building back links is the most powerful way to achieve this.

    Integrated Traffic Streams Constructed Directly to Your Portals. We've ensured that all search engine optimisation techniques including naming of images, alt and H1 tags and inner linking has been coded into your Home Income Portals across the Internet Worldwide.

    This will help your sites rank higher in the search engines.

    Live Real Time Update - One Stop Update. Complete your Owner Profile in the Owners Lounge and your Retail online Business is instantly updated Live in Real Time.

 

 

Click on CCBill Button to Subscribe

Your Products & Services

The Hottest Selling Products!

Click here for products and Services. You are paid directly for every sale. It is Your online business that we install and host for you. There are subscription services that build your recurring income. Traffic Magnet and  Banner Fiesta.

Clickbank Videos

Click here for the Clickbank Videos installed for your online Business. Clickbank pays you directly for every sale. Professional Video Infomercials (See below in Module sells your clickbank products 24/7 on all 140 Home Income Portals.

This is your ultimate  Affiliate Master Money Maker. We simply install the fastest selling Clickbank Products in its own Informercials for you.

click play to see what its all about

Click Bank Products

Click here for the Multi Income streams installed for your online business.

Clickbank Products is at the forefront in creating daily success stories for the Home Entrpreneur.

All Products sold, pay to you the Full Commissions Directly by clickbank. All it takes is this - Enter your clickbank nickname in your Profile, and clickbank pays you directly for every one of their 170,000 electronic products sold.

The Clickbank Mall is a fully hosted resource that sells your 170,000 clickbank products fulltime, all year round to drive profits directly to your home.Companies pay you directly,  We simply install them for you.

Multi Income Streams


You Control How Much Money You Make!

Click Here For Multi Income Streams that are completely Installed For Your online Business

And the best part is, you can visually see exactly how much money you're making simply by logging into your account and looking at your daily sales!.

I love clicking on my earnings more than anything in the world and, I check it all throughout the day! It's really motivating to instantly see the money you're making.

You don't have to wait and see your pay...

you can see it verified anytime you want in your personal account. It's a really amazing, comforting, and uplifting feeling you have to experience for yourself!

Of course, if you subscribe today you WILL get to experience this!

You can Stop a Lack of Income dead on its tracks Right Now, Right Here.   Here is a List of Affiliate Income you can immediately signup for Free,

This List is compiled from sources across the Internet by The Research Department,  and rigourously tested for stability, security and dependability (Never missed an Affiliate Payment). They will provide you with a combination of  Passive Residual  Income and Recurring Income, all in the Comfort of your Home.

You don't have to wait 2 weeks, a month, or even one week to get paid - not at all! With the companies that will be paying you, they pay you when orders roll in! Guess what, you will be having a LOT of orders rolling in so I hope you're ready!

It gets better, almost 75% of the companies pay you on the very same day! The other 25% only take 2 - 3 business days to transfer the money you make directly into your bank account.

The companies are reputable and I've never had a problem with late payments in the 8 years I have been working online full-time.

It makes this an outstanding opportunity for anyone who needs money right away!

Click The Banner Now For Instant Surprise Bonus

I want to work from home or anywhere else I choose.

Earn Money with AlertPay

 I want to have a job that will give me all the free time I want.

 I want to spend more time with my family.

I want an income that will give my family more than we need.

Web-Dawg
Webdawg Recurring Income

Monetize with POGADS

Discover the ability to help other highly successful companies in promoting their products and get paid a handsome commission for every single bit of business you help them get.


Group Mailer - Affiliate Recurring Income

Companies are rapidly moving toward a new model of marketing, and that model is based on people like YOU to get the word out about their products.


Traffic Swarm - Recurring Income

You can do this anywhere in the World. You're no longer an employee, you can be my partner! When you sign up now, you are becoming a partner of a company working for yourself! You can start building your financial future.

The Silva Method - Residual Passive Income

Native Remedies - Residual Passive Income

Anyone at any age over 18 years old

from any background can do this quickly and

Start making Money on the internet Right Now.

Market Health - Get 5 % on All Products Sold

Sales Developers - Direct Residual Income

Auction Traffic Mastery - Residual Passive Income

Effective Learning Systems - Residual Passive Income

Horses For Sale - Residual Passive Income

Universal Marketing Media

The Highest Paid Affiliates on the web.

We will pay you 50% for each sale you refer, 2nd-tier commissions of 5% per sale, and 3 cents per click/visitor you refer to our site.

We wll treat you like Gold from day one with great prizes and incentives, friendly affiliate reps, and real-time online stats.

You\\\'re going to love Universal Marketing Media, and we\\\'re sure that we are going to love you.

Become a Universal Marketing Media affiliate/partner today! click here

Universal Marketing Media - Passive Residual Income

ViralEbookExplosion Massive Viral Profits - Quickly Create Your Own Cash Producing Branded Ebooks

Click

Nitro Marketing

Earn Lifetime Residual Commissions from The Hottest Selling Products Online....

Massive Affiliate Income Faster and Easier

Free $97.00 Value
Viral Traffic Dominator

Earn Unlimited Income Here ..

Free Gold Membership with

Massive Totally Targeted Traffic ...

Get Your
Viral Traffic Dominator
Package For
FREE with
"No Strings Attached"

Banner

A $97 value!

Get it online now!

Viral Traffic Dominator

Affiliate Income Streams

And so you know, the personal account you will set up when you join is very easy to use.

It was specifically designed so that even someone with no computer experience at all could learn to use it in just a few minutes!

If you know how to check your email and surf the web, then learning how to navigate around your personal account will be jut as easy.

You will get clear step-by-step instructions, and everything is straight-forward, with easy to fill out forms, easy to read text, and big visible buttons.

Click here for Affiliate Income Streams installed for your online business. Companies pay you their Affiliate commissions directly,  We simply install them for you.

  • You could choose how often you want to work You can achieve financial freedom and never worry about money ever again
  • You can have all the time you want to spend with your family  You can take vacations when you want, and for how long you want
  • You don't have to ever wake up to an alarm clock anymore .You can do this part time or full time, you choose
  • You can work from home, or anywhere else in the world .You can work in your pajamas if you don't feel like dressing up
  • You don't have to drive anywhere and waste money on gas for work .You won't have a boss hovering over you anymore and telling you what to do
  • You don't have to worry about getting fired or laid off . You won't have to deal with office politics or nasty co-workers
  • You can give yourself a pay raise anytime you want

 

    I want to work from home or anywhere else I choose.
     
     
    I want to have a job that will give me all the free time I want.
     
     
    I want to spend more time with my family.
     
     
    I want an income that will give my family more than we need.
     
     
    I want to travel whenever I want.
     
     
    I want to do something that I enjoy.
     
     
    I want to be able to make as much money as a doctor.
     
     
    I want something that will be easy to do.
     
     
    I want to only work a few hours a day.
     
     
    I want to be able to make money whether I'm actually working or not, automated income.
     
     
    I want (and need) to start making money right now.
     

Text Ads Income Streams

Click here for Text ads Income streams installed for your online business. Companies pay you directly,  We simply install them for you.

Hot Zones on this Portal, and on all 106 Portals is beamed directly from The Marketing Command Center

  • Live Content beamed directly from The Command Center to  Hot Zones on your Income Portals. These Ads are fiercely competing online for Sales. This is the ultimate technology that converts visitors into customers. All implemented for you behind the scenes in a seamless and transparent manner.

LIVE HOT ZONE

Hair, though often overlooked, plays an important role in our lives. Upon meeting someone, one of the first things you notice is their hair. Before a social engagement, our hair is one of the things we spend the most time on getting to look a certain way. Those affected By hair loss become aware of how important hair is in our social lives quickly. That is why hair loss provokes not only feelings of cosmetic concern, but also may provoke a loss of self-esteem and even identity problems.

Hair Loss, also referred to as balding, is caused By a variety of factors, the most important being heredity. Hair loss runs in the family and is not curable though someday, gene manipulation may lead scientists to a cure. Men with a genetic predisposition to hair loss have areas on their scalp that are especially sensitive to male sex hormones. As men age, these areas and the hair follicles that reside there suffer from a biological imbalance caused By a male hormone called DHT. Slowly, over a period of years, follicles wither and hair becomes thinner and shorter until it can't be seen at all.
Though not curable yet, hair loss in the form of androgenetic alopecia (male and female pattern baldness described above) can be treated in various surgical and non-surgical ways. Shampoos like Rogaine work By stimulating the growth of hair, thus counteracting the effects of excessive hair loss. Pills like Propecia are DHT inhibitors, which help keep DHT levels normal so follicles are not flooded with it.

There are a variety of other treatment options like transplant surgery, which involves taking follicles from the sides and back of the scalp that are not sensitive to hormones that cause hair loss and redistributing them to balding areas.

  • Satellite Portals on 106 Domains Actively Selling to Customers For You night and Day.

 Worldwide Portals Installed

click here to see the Worldwide Portals we install for you.

Thousands of  Dynamic Article embed pages are implemented searching the Internet 24/7 For Hungry and "Ready to Buy" Customers to deliver to your Home Income Portal to Generate Sales and Income For You.

Dynamic Content

click here to see The Dynamic Content in Action

Auto Insurance Principles Should Apply to Health Insurance

by    Pat Carpenter

Many Americans rely on their automobiles to get to work. No automobile means no job, no rent or mortgage money, no food. A single parent, struggling to make ends meet in the suburbs with 100,000 miles on the odometer, would presumably welcome the guaranteed opportunity for low-priced insurance that would take care of every possible repair on her auto until the day that it reaches 200,000 miles or falls apart, whichever comes first. Especially if the insurance is valid regardless of whether she even changes the oil in the interim.

So why aren't the auto insurance companies writing such coverage, either directly or through used auto dealers? And given the importance of reliable transportation, why isN't the public demanding such coverage? The answer is that both auto insurers and the public know that such insurance can't be written for a premium the insured can afford, while still allowing the insurers to stay solvent and make a profit. As a society, we intuitively understand that the costs associated with taking care of every mechanical need of an old automobile, particularly in the absence of regular maintenance, aren't insurable. Yet we don't seem to have these same intuitions with respect to health insurance.

If we pull the emotions out of health insurance, which is admittedly hard to do even for this author, and look at health insurance from the economic perspective, there are several insights from auto insurance that can illuminate the design, risk selection, and rating of health insurance.

Auto insurance comes in two forms: the traditional insurance you buy from your agent or direct from an insurance company, and warranties that are purchased from auto manufacturers and dealers. Both are risk transfer and sharing devices and I'll generically refer to both as insurance. Because auto third-party liability insurance has no equivalent in health insurance, for traditional auto insurance, I'll examine only collision and comprehensive insurance - insurance covering the vehicle - and not third-party liability insurance.

Bumper to Bumper

The following are some commonly accepted principles from auto insurance:

- Bad maintenance voids certain insurance. If an automobile owner never changes the oil, the auto's power train warranty is void. In fact, not only does the oil need to be changed, the change needs to be performed by a certified mechanic and documented. Collision insurance doesn't cover cars purposefully driven over a cliff.

- The best insurance is offered for new models. Bumper-to-bumper warranties are offered only on new cars. As they roll off the assembly line, automobiles have a low and relatively consistent risk profile, satisfying the actuarial test for insurance pricing. Furthermore, auto manufacturers usually wrap at least some coverage into the price of the new auto in order to encourage an ongoing relationship with the owner.

- Limited insurance is offered for old model autos. Increasingly limited insurance is offered for old model autos. The bumper-to-bumper warranty expires, the power train warranty eventually expires, and the amount of collision and comprehensive insurance steadily decreases based on the market value of the auto.

- Certain older autos qualify for additional insurance. Certain older autos can qualify for additional coverage, either in terms of warranties for used autos or increased collision and comprehensive insurance for vintage autos. But such insurance is offered only after a careful inspection of the automobile itself.

- No insurance is offered for normal wear and tear. Wiper blades need replacement, brake pads wear out, and bumpers get dings. These aren't insurable events. To the extent that a new car dealer will sometimes cover some of these costs, we intuitively understand that we're paying for it in the cost of the automobile and that it's not really insurance.

- Accidents are the only insurable event for the oldest automobiles. Accidents are generally insurable events even for the oldest autos; with few exceptions service work isn't.

- Insurance doesn't restore all vehicles to pre-accident condition. Auto insurance is limited. If the damage to the auto at any age exceeds the value of the auto, the insurer then pays only the value of the auto. With the exception of vintage autos, the value assigned to the auto goes down over time. So whereas accidents are insurable at any vehicle age, the amount of the accident insurance is increasingly limited.

- Insurance is priced to the risk. Insurance is priced based on the risk profile of both the automobile and the driver. The auto insurer carefully examines both when setting rates.

- We pay for our own insurance. And with few exceptions, automobile insurance isn't tax deductible. As a result, the fear of increasing insurance rates due to traffic violations and/or accidents changes our driving behavior and we sometimes select our automobiles based on their insurability.

Each of the above principles is supported by solid actuarial theory. Although most Americans can't describe the underlying actuarial theories, most everyone understands the above principles of auto insurance at the intuitive level. For sure, as indispensable automobiles are to our lifestyles, there is no loud national movement, accompanied by moral outrage, to change these principles.

Unsustainable Market

In contrast, similar principles are routinely violated in health insurance. To demonstrate this, let's return to the same suburban mother from the opening paragraph. She's busy working, driving to and from work, and driving her kids to school and activities. She ends each day exhausted, sitting on the couch with fast food. She's obese, has a sedentary life, a bad diet, and hasn't taken the time to go to the doctor in years. After a simple injury doesn't heal for weeks, she turns up at the emergency room and learns she has type II diabetes. Although type II diabetes is controllable, changing diet and exercise habits and properly tracking her condition takes time and effort and she's never quite successful in implementing the necessary lifestyle changes.

So the initial emergency room visit is only the first of a long list of health care related to non-controlled diabetes and other problems associated with obesity. Whether she has individual or group insurance, her insurance pays for each episode of care, without singling her out for a premium increase, and without charging her any more cost sharing than is charged to the healthiest and most medically diligent insureds. Her coverage continues until she voluntarily changes insurance companies and/or employers or becomes eligible for Medicare. If she's covered under group insurance she may not even pay any premium. Her insurance continues unabated, even though the disease was caused by neglecting her body and she maintains her poor lifestyle even after the disease becomes known.

This just wouldn't happen in auto insurance. This scenario is the auto insurance equivalent of guaranteed access to low-priced auto insurance that takes care of every possible repair, including damage already done, until the day the car falls apart so completely it's unsalvageable (death) or reaches 200,000 miles (Medicare), regardless of whether she even changes the oil (takes care of herself) in the interim.

As a society, we don't expect this in private-market auto insurance, but we expect it in private-market health insurance. Furthermore, there's a chorus of national and state interests, which continuously pushes us further away from the auto insurance principles.

The current private health insurance market isn't sustainable. Prices have been consistently increasing faster than inflation for decades. Each year, insureds use more health care than ever before and more people have no insurance at all. Most actuaries and other people in the private health insurance market don't want national health insurance with its bureaucracy and one-size-fits-all benefits. Yet, we're trying to sustain a private insurance system, which violates the very principles we know are necessary for private insurance markets.

Yes, health insurance involves the sacredness of human life and is therefore different from auto insurance. But if we're to sustain a private-market solution to health insurance, actuaries need to explain to the larger society, in terms that society understands, the rationale for the following principles:

- As sacred as health care is, it's still an economic transaction that has to be balanced by individuals and societies, against other economic choices. It can't be unlimited. Sometimes it will be secondary to other choices. On a given day, for example, the mother in our scenario may value her car more than her health.

- Insurance premiums should be paid by the individual and tied to controllable risk factors. This will provide the best incentive for the control of risk factors.

- Although it's hard to draw the line between abuse, neglect and ignorance, self-abuse shouldn't be insured and we need to draw that line somewhere.

- The private market can't provide unlimited, self-directed health insurance.

- Routine care and ongoing treatments of chronic conditions can be pre-funded, can even be subsidized, but they don't constitute insurable events.

- Insurance can't be expected to keep every human body in pristine condition. No amount of health care will prevent everyone's ultimate death.

- Comprehensive, unlimited, non-subsidized private-market coverage isn't possible for people with severely impaired health.

- The private health market can provide limited non-subsidized health insurance, such as protection from accidents, to even health-impaired individuals.

- Individuals who can afford to do so and who take good care of themselves should be able to buy up to better coverage. People have the option of buying up for everything else in life.

Discussion of these principles is lacking from most of the current health insurance debate. If society can intuitively understand how similar principles apply to health insurance, then they should be able understand the principles in the health insurance context. We need to initiate the debate.

This commentary is solely the opinion of its author. It does not express the official policy of the American Academy of Actuaries; nor does it necessarily reflect the opinions of the Academy's individual officers, members, or staff.



Author Resource:- Pat Carpenter writes for Precedent Insurance Company. Precedent puts a new spin on health insurance. Learn more at Precedent.com

Sponsored Banner

  • Equipped with a $100,000 Library Shelf of Reseller and PLR Products you can sell anywhere including ebay, and new Products are added everyday.

LIbrary Shelf

click here for a Demo of The Library Shelf.

Entire Home Income Portal completely Optimized on Micro-Niche to Dominate in The Search Engines

This one is a real gem of a program and I know I can, without reservation, heartily urge you to check it out and put it to use now at: http://homeincomeportal.com/random
  • Automated Intelligent Social Conversation Every few minutes on all Portals.

Marketing Infrastructure

your winning teamWe build your Market Infrastructure and Profile with a Full Marketing Network to support your online business Financial Success.

Create Search Engine Site Maps for each of your Portals and Submit them to Search Engines for indexing as Part of Your Marketing Infrastructure.

Create high-ranking, search engine optimized pages for each and every portal to help ensure that each of your 140 Portals gets noticed by the search engines and your website visitors.

Build Back Links for your Portals to get you both visibility and Page Rank with The Search Engines.

Twitter Traffic Customer Base

click here to setup your Free Twitter Traffic Customer Base.

We are adding 9600 Followers a week, so it will  take time to develop a full buildup. These are restrictions placed by the social networks, we are working 24/7 to get your portals completely implemented and self growing.

This will also have the added benefit of ...

  • Creating better Page Rank and visibility for all your Home Income Portals
  • There is intense Competition out there in internet Land, with more and more Corporations investing Millions for Location, Traffic and Commerce.
  • This creates an ever organised and changing Landscape to compete. We are doing this for you in creating a Successful online Business to achieve a Successful Long Term Stable Income that is recession proof and reliable
  • This is exactly what a Successful online business will do for you. The Hosting of 140 Portals is a very broad Market infrastructure that is fully subsidized by us, for your Success online business

Every Income Stream is programmed to be fully Plug -N- Play, on all 140 Portals. They are completely researched to be an above averaged phenomenal income producing winner.  

They are tested to be above averaged income producing winners. Ordinary People are Earning Thousands Every Day For The Home Entrepreneur. Its Easy and will build both your Traffic and your Income from Home.

Click on CCBill Button to Subscribe

 Worldwide Home Income Portals

Here is the Worldwide  Income Portals installed across the Internet Selling Fulltime generating Sales and Income for you.

This is the only Income Portal that is supported Full Time to Build Your online Business.

http://2healthylifestyles.com/abijos488.htm

http://aamovers.com/abijos488.htm

http://abedon.com/abijos488.htm

http://allbizinabox.com/abijos488.htm

http://allmyvista.com/abijos488.htm

http://americaeconomicrecovery.com/abijos488.htm

http://americaunderattackin2001.com/abijos488.htm

http://amilliondollarincome.com/abijos488.htm

http://anonymouslyours.com/abijos488.htm

http://arrestingdesigns.com/abijos488.htm

http://attackonamericain2001.com/abijos488.htm

http://ba-rackobama.com/abijos488.htm

http://branchiseinc.com/abijos488.htm

http://buildyoursafelist.com/abijos488.htm

http://carlosandlucreciareyes.com/abijos488.htm

http://centraltrafficdispatch.com/abijos488.htm

http://christophershawnlee.com/abijos488.htm

http://corporatestrategicalliances.com/abijos488.htm

http://createmyslides.com/abijos488.htm

http://daveleeonline.com/abijos488.htm

http://designsens.com/abijos488.htm

http://easyhomebasedbusinessopportunities.com/abijos488.htm

http://elisareyes.com/abijos488.htm

http://ez1click.com/abijos488.htm

http://ezeebizz.com/abijos488.htm

http://ezrssmedia.com/abijos488.htm

http://flavatite.com/abijos488.htm

http://franchisewebsiteowner.com/abijos488.htm

http://homedownloadportal.com/abijos488.htm

http://homegameportal.com/abijos488.htm

http://hometorrentportal.com/abijos488.htm

http://iamdemon.com/abijos488.htm

http://intercomm-group.com/abijos488.htm

http://itellafriend.com/abijos488.htm

http://itsmybusinessopportunity.com/abijos488.htm

http://itsourblogs.com/abijos488.htm

http://itsourfranchise.com/abijos488.htm

http://itsyourblogs.com/abijos488.htm

http://jeantam.com/abijos488.htm

http://lotsofgiggles.com/abijos488.htm

http://maplewoodchiropratic.com/abijos488.htm

http://mark-reid.com/abijos488.htm

http://massiveadvantage.com/abijos488.htm

http://m-clix.com/abijos488.htm

http://mcnameeprofessionalservices.com/abijos488.htm

http://monicareyes.biz/abijos488.htm

http://monicareyes.com/abijos488.htm

http://monicareyes.net/abijos488.htm

http://moremoneyeverywhere.com/abijos488.htm

http://moscrilla.com/abijos488.htm

http://mscca.net/abijos488.htm

http://muy-caliente.com/abijos488.htm

http://mybonusarea.com/abijos488.htm

http://mybranchise.com/abijos488.htm

http://mycustomsmiley.com/abijos488.htm

http://myfreebannerexchange.com/abijos488.htm

http://mygoodhumour.com/abijos488.htm

http://myincomeportfolio.com/abijos488.htm

http://myjetstart.com/abijos488.htm

http://myoptinsafemail.com/abijos488.htm

http://myoptinsafemails.com/abijos488.htm

http://myspacefranchise.com/abijos488.htm

http://nicolenotion.com/abijos488.htm

http://nicolenotions.com/abijos488.htm

http://oneclickeasybiz.com/abijos488.htm

http://oneclickezeebizz.com/abijos488.htm

http://onlinecustomgraphics.com/abijos488.htm

http://optinsafeemails.com/abijos488.htm

http://optinsafemail.com/abijos488.htm

http://ourarticlesource.com/abijos488.htm

http://ourbannerexchange.com/abijos488.htm

http://ourbranchise.com/abijos488.htm

http://ourbusinessopportunity.com/abijos488.htm

http://ourclickbankmall.com/abijos488.htm

http://ourexpertadvisor.com/abijos488.htm

http://ourhallmark.com/abijos488.htm

http://ourlinkexchange.com/abijos488.htm

http://ourtrafficexchange.com/abijos488.htm

http://ourtrafficmagnet.com/abijos488.htm

http://ourwebcounter.com/abijos488.htm

http://packtam.com/abijos488.htm

http://recipedotcom.com/abijos488.htm

http://renttownyourhome.com/abijos488.htm

http://reyestam.com/abijos488.htm

http://rociocreations.com/abijos488.htm

http://scottshandymanservices.ca/abijos488.htm

http://searchactivator.com/abijos488.htm

http://shawndavidlee.com/abijos488.htm

http://songlyricsforyou.com/abijos488.htm

http://thechocolatecake.com/abijos488.htm

http://thehomeincomebuilder.com/abijos488.htm

http://thetopurl.com/abijos488.htm

http://theworldlargestbusinessfranchise.com/abijos488.htm

http://theworldslargestbusinessfranchise.com/abijos488.htm

http://tohealthylifestyles.com/abijos488.htm

http://trafficdispatch.com/abijos488.htm

http://trafficsharedepot.com/abijos488.htm

http://twitterincomeportal.com/abijos488.htm

http://uforgiveme.com/abijos488.htm

http://ujoinfree.com/abijos488.htm

http://unlimitedvideodownload.com/abijos488.htm

http://urhotonline.com/abijos488.htm

http://websitepopin.com/abijos488.htm

http://weneversellyourtraffic.com/abijos488.htm

http://wetweets.com/abijos488.htm

http://worldlargestbusinessfranchise.com/abijos488.htm

Traffic Hub

http://affiliate-work-at-home.com/abijos488.htm

http://abc580.net/abijos488.htm

http://dimechina.com/abijos488.htm

http://barackomics.com/abijos488.htm

http://podsquod.com/abijos488.htm

http://anywherelink.com/abijos488.htm

http://liveaiken.com/abijos488.htm

http://compted.com/abijos488.htm

http://lz2c.com/abijos488.htm

http://mhpcanik.com/abijos488.htm

http://clearancebuys.net/abijos488.htm

http://ramaratownship.ca/abijos488.htm

http://skillsmatch.ca/abijos488.htm

http://bruneiprop.com/abijos488.htm

http://bulbiznes.com/abijos488.htm

http://exploringtheolympics.com/abijos488.htm

http://teckwondo.com/abijos488.htm



 http://homeincomeportal.com/pic/banners/banner1a.gif