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One of the biggest reasons for debt in the US is the huge cost of medical bills. It figures then that many people in the US are also without any health coverage.

Most people can get health insurance through their employers, but if you are self-employed or work at a company that offers no health plan, then it becomes quite tough to find affordable insurance.

I used to be self-employed myself several years ago, and so I know how expensive health insurance is to get on your own. Even the simplest of coverage costs thousands of dollars each year. Frankly I had to eventually give it up, because with the little income I was taking in, I just couldn’t afford it. Believe me, that’s a scary feeling not being insured.

Now that I am employed, I am insured through work. Even there isn’t all that cheap, and the rates keep going up. Plus my co-payment went from $10 to $20 this year, a 100% increase. But still I’m glad to have the insurance; it’s still cheaper than getting it on my own.

But if you aren’t lucky enough to get insured through your employer, then you need to look elsewhere. But there are ways to find some affordable health insurance, and the best way I think is through the internet.

A couple of sites to check are www.healthinsurancesavings.com or www.self-employed-health-care.com. They both require you to enter a zip code, so they can show you the best choices in your location.

There are other similar sites you can browse through to find information. But be aware that you may have to divulge personal data about yourself to these sites. Some people aren’t comfortable with doing that, especially over the internet.

If you aren’t comfortable giving such personal information away, you can call the contacts at these sites and speak directly with them, and perhaps you can set up interviews with various providers. All this may sound like a burden and imposition, but you have to do what you have to do if you want affordable health insurance for you and your family.

Being insured, especially if you have a family, is very important in today’s world. So please take it upon yourself to do some research, and find the best health insurance you can afford.

To see more articles about health insurance, such as individual health insurance plans, types of plans available, what a policy means, and more, please visit http://www.health-insurance-aid.com.

Are you and your spouse worried about what’s happening with your savings, your pension, your children’s college funds, or just staying employed? The Dow Jones is under 10,000 and European banks sound as shaky as the US banks. Do you find yourself fearful of your futures together? Do you find yourselves disagreeing with your partner about how to weather this financial meltdown? Do you find yourselves arguing because one of you makes more money and feels like they have more control over how money is spent? When money gets tight as a result of reduced income or increased mortgage payments and is combined with financial fears of the future, those old money arguments (my money vs. your money) may be causing you problems again. It is time for the two of you to have discussions again about money.

In his book Love & Money, Jeff Opdyke says: “It’s not really about the money. It’s about creating another level of intimacy in your relationship and bestowing trust on each other.” He further recommends joint accounts for couples which explicitly demonstrates the trust you have with your spouse.

When we keep secrets from our spouse about how much we make, how we spend money, or even how much money we have, this indicates a measure of distrust in the other person. When times are tough like now, you need to trust and have faith in your legal and romantic partner. All your money and all your debts are consider joint by the state. If you are not considering them joint, you are losing out. You lose resources that your partner brings to solving financial problems. You lose a feeling of honesty about yourself. And you lose some ability to manage your family finances in the best way possible.

If the two of you are not quite ready to combine your accounts, at least try to agree on and be committed to the following:

1. Agree to live within your means, so that expenses do not exceed your income.

2. Agree to open, honest communication about money.

3. Promise not to blame one another, judge each other, or keep secrets about money.

4. Be prepared to listen to your partner and understand their perspective.

You both need to be fully aware of the family gross and net income, to know where household (and individual) money goes each month and to know how much debt you have and the interest costs you are paying.

If you are unable to have a frank and open discussion about your money with your spouse, you may benefit from seeing a marriage counselor. The National Registry of Marriage Friendly Therapists (www.marriagefriendlytherapist.com) is a good resource for finding a therapist who is invested in helping you save your marriage. If you are unable to curb your spending, you might consider Debtors Anonymous, an organization for people trying to reduce debt and regain solvency. If you need a housing counselor or help with your mortgage, go to the web site of the US Department of Housing and Urban Development (www.hud.gov) and click on the Hope for Homeowners link.

It’s important to realize you are not alone. Many couples and families are struggling. Don’t let your marriage be a casualty of the worst financial disaster most of us have ever seen. You and your spouse are in this together. Get the help you need to keep your marriage stable and safe.

If you decide that you might need marriage counseling, check out my website, http://www.PamLipe.com My specialty is marriage and relationship counseling. For 20 years, I have been helping couples find the love and support they want in their marriages. My therapy practice serves the metropolitan area of Minneapolis/St.Paul, MN.

They sound like characters from an action video game – Orange Monster, Black Samurai, White Knight – but in fact, they’re three of the hippest watches made by Seiko and are much sought-after by wealthy enthusiasts and collectors, particularly in Asia.

This may come as a surprise, but Seiko watches are gaining an image as hip and collectable. In many parts of the world, the Seiko watch brand has been seen as reliable, but unremarkable. But look closely and an exceptional story begins to emerge.

Seiko burst onto the international watchmaking scene in 1969, when it caught off-guard and almost destroyed the Swiss watch industry with the launch of the Astron, the world’s first battery-powered quartz wristwatch. The Astron was more accurate and durable than the hand-wound mechanical Swiss watches costing several times as much. Overnight, demand for mechanical watches plummeted.

Many watchmaking innovations over the past three decades are probably due to Seiko: the first quartz watch; first quartz LCD with six-digit display (hours, minutes and seconds); first calculator watch; first quartz with day and date; first quartz chronograph (date, stopwatch and alarm); first TV watch; first thermic quartz watch (powered by the wearer’s body heat); first kinetic quartz watch (powered by the wearer’s movement)… and the list goes on. Seiko watches have been at the center of watch evolution, and its influence extends far beyond watchmaking: the LCDs in your clock radio, microwave oven or CD player all owe a debt to innovations made by Seiko.

Seiko, in fact, has been the innovator of so many industry “firsts” that it’s difficult to name them all. Recently, for example, was the 40th anniversary of the first quartz chronometer, launched at the Tokyo Olympic Games. Used to time marathons, it brought unprecedented precision to sports timekeeping, being accurate to within 0.2 seconds a day. Just a few years ago saw the 10th anniversary of the world’s first kinetic chronograph, the quartz watch powered by the movement of the wearer’s wrist, thereby eliminating the need for a battery. To celebrate the event, Seiko launched the Arctura Kinetic Chronograph, which takes kinetic movements to a new level of precision, being accurate to within 15 seconds per month.

While innovation and continuity rarely go together, Seiko has both. The company, founded in Tokyo by Kintaro Hattori in 1881, is still a family business. Although part of the business is a publicly traded company, the current president of Seiko Watch Corporation is the founder’s great-grandson, Shinji Hattori, who is also the nephew of the current honorable chairman.

Given Seiko’s history of producing revolutionary products and ideas that are emulated everywhere, you might expect that it would enjoy a reputation similar to that of Apple or Sony. Yet many people don’t few even realize that Seiko is the world’s leading manufacturer of watches, selling over 14 million watches annually. It also annually sells more than 350 million quartz movements to other watch makers. Here again, Seiko has revolutionized the watch making industry. Previously, only Swiss and Japanese companies could make reliable watches. But now anybody can simply add a dial, case and strap to a Seiko quartz movement and sell it under their own brand name. Although it doesn’t want to name companies it provides movements to, Seiko’s quartz movements are at the heart of many watches sold by some of the biggest name brands in fashion and sports.

Seiko doesn’t really get the respect it deserves. The product quality is phenomenal, but there’s a misperception of their brand.

Some people believe Seiko offers too many budget-price models. Cheap, in the public’s mind, means poor quality even if that’s not the case. Also, Seiko’s watch designs change too often. Some of the best Seiko watch designs never get the chance to develop a following, whereas the best Rolex or Omega watches stay in production for 20 or 30 years. For collectors, it’s a problem, and collectors add value to brands.

One Seiko executive recently stated the company is in the process of refining its brand. “We have very strong brand awareness, with around 70 per cent recognition of Seiko as a watchmaker. But there was some confusion about the brand. The company’s pioneering history, our dedication to producing elegant watches, wasn’t really understood. We’re proud of the company, so we decided to streamline and focus the branding, and emphasize our legacy.”

Until recently, regional Seiko companies sold the brand according to local tastes. But just recently the Japanese parent, Seiko Corporation, decided to overhaul its branding and marketing strategies. The company’s position is that customer perception of the brand should be the same in Tokyo, London, Paris, New York or Sydney. That means building a brand image that conveys core values, no matter what the market. Over a period of several months Seiko has revamped its public profile, from billboard and TV advertising to in-store presentation and packaging.

So far, the strategy has been successful. In line with company expectations, Seiko is gradually being seen as a premium watch brand. Not just trustworthy and reliable, but a real status brand. Technological innovation is at the heart of company, but Seiko watches have a certain refinement that they’re trying to emphasize also.

So, how might Seiko improve its brand status? Being the largest watch company, with an excellent line of products and constant innovation, perhaps Seiko could start by being a little less modest about their product.

Watch Source Guide is a comprehensive source of information about watches for enthusiasts, or for anyone planning to purchase a watch and wants to make an informed decision. Includes sections on watch functioning, maintenance, articles and more. More information on this and other related topics can be found at http://www.watchsourceguide.com