Ten Ideas for Your Smartphone

Your phone is a great place to keep information that you may need to access quickly. Here is a list of things to consider.
• A picture of where you parked your car.
• Printer cartridges showing refill numbers
• Any replaceable items around the house, like battery sizes, light bulb watts, air filter sizes, etc.
• Travel confirmation numbers. It may be quicker than sorting through a few hundred emails. (Another trick is to forward the confirmation email to yourself just before you leave, so it is on the top of the stack.)
• Pictures of current medications including prescription names and dosages.
• Pictures of furniture or wall paint cans to remember colors.
• Recipes or ideas from a magazine that you find while waiting for your doctor or dentist.
• Things that you might want to buy, like the brand of perfume or shampoo you saw.

Another smartphone trick is to add one or more phone contacts or notes with phone numbers to call in the event your wallet, passport, credit cards, etc., are stolen. You do not need to keep the actual credit card number (in case your phone is stolen), the company can look it up.

Take a video of the inside of your home and save it in the cloud. This is what an insurance company would love to see, in case of fire, flood, robbery, or other disaster.

Bonus Idea - Add an ICEmergency contact to your contact list for the person to be notified in case of an accident or medical emergency. You can also add an ICEmergency note with doctor names and numbers, allergies, medications, etc. There are also free applications (Apps) for this on iPhone and Android. If you are a caretaker for others, keep their info on your phone, also.

Health Insurance Myths

On the Fortune 500 list of top industries, health insurance companies ranked 35th in profitability in 2008; their overall profit margin was 2.2 percent. They lagged far behind such industries as pharmaceuticals,  profit margin 19.3 percent, railroads (12.6 percent), and mining (11.5 percent). Among health insurers, the best performer last year was HealthSpring, which showed a profit of 5.4 percent. “That’s a less profitable margin,’’ AP noted, “than was achieved by the makers of Tupperware, Clorox bleach, and Molson and Coors beers.’’

For the most recent quarter of 2009, health-insurance plans earned profits of only 3.3 percent, ranking them 86th on the expanded Yahoo! Finance list of US industries. Makers of software applications, by contrast, are pulling in profits of nearly 22 percent.

Health Insurance Costs

Most of the time you read about the cost of healthcare, the article really means healthcare insurance, not the cost of care. Healthcare insurance costs have gone up 119% from 1999 to 2008, while salaries went up 34% during the same period.