Reuters - Sales of new single-family U.S. homes fell 1.8 percent in February while the median sales price was down from a year ago and inventories fell modestly, according to a government report on Wednesday that delivered uneven news for the ailing housing sector.

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Questions to ask your insurance agent. These questions will help to ensure that your agent is being honest with you and help you understand and some of the big differences in the different types of policies.

1. Stop Loss- (The maximum out of pocket you will pay before you have 100% coverage for the rest of the year.) Most companies it will be under $5,000. There is a couple of companies that don't actually offer a Stop Loss. They will have limits to what the company will pay out but they have no limit to what YOU will pay out. This is the most important aspect to your insurance policy. I have seen some people get stuck badly with $50,000-$200,000 worth of medical expenses without a good stop loss.

Question to ask your agent: What is my maximum out of pocket (stop loss) per year before I have 100% coverage?

2. Deductibles- Some companies will have separate deductibles for different aspects of their policies.(Testing deductible, therapy deductible, chemotherapy coverage, separate accident deductibles etc.) This is where some insurance companies depend on there being big holes so that they don't have to cover things that may otherwise be covered. Ex: Things that one company may call testing and therapy, may not be considered the same type of procedure by another company. If something falls between categories for different deductibles, you will be stuck paying bill for all of it. You want a plan that has ONE DEDUCTIBLE. This way there are no gaps. You reach your one deductible each year, then everything that is covered under your policy will be covered as your policy states. It drastically eliminates holes in your policy.

Question to ask your agent: How many deductibles does my policy have?

3. Networks- You want to be in a plan that offers networks. Some companies will offer plans that are good at any doctor, any hospital, anywhere in the country. This is a great selling point but unfortunately, it is also very dangerous. Networks exist for very good reasons. If you have a plan that has big coverage holes in it and you go to a doctor for some reason, anything that is not covered by your policy you will pay 100% of all costs and you will pay 100% full retail price for it. If your plan has holes in it this can be catastrophic financially. Insurance companies and doctors give their customers/patients what is called 'Network Pricing". If you go to a network provider with insurance and something is not covered by your plan, in many cases you will still get the big discount that the insurance company would get just because you have insurance. This is "Network Pricing". Some companies offer nation wide networks so even if you travel a lot you will never be out of network. This is very important.

Question to ask your agent: If my company doesn't use networks and I have medical procedures performed that are not covered by my policy, how much will I have to pay? Do I get a discount because I have insurance? (The correct answer to this is you will have to pay 100% of retail prices. If the company does not use networks, any other answer is either wrong or deceptive.)

4. Coverage per period of confinement- Some companies will have definitions for deductibles as "per period of confinement." Ex: Your plan could have a $1500 deductible but we need to know if it is a yearly deductible or "per period of confinement" deductible. Some companies will list a period of confinement as 90 days. This would mean that if you are hospitalized for the same thing within 90 days you only have to meet one deductible. However, if 91 days later you have another medical problem, you will then have to hit ANOTHER $1500 deductible.

Again, this is another scary scenario.

Shad Woodman is a licensed health insurance agent and specializes in marketing health insurance and dental plans online through multiple websites:

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Iraqi troops, militias clash in Basra (AP)

AP - Iraqi forces clashed with Shiite militiamen Tuesday in the southern oil port of Basra and rockets rained down on the U.S.-protected Green Zone in Baghdad as followers of Shiite cleric Muqtada al-Sadr expanded a nationwide backlash against government crackdowns.

A blog is an online version of diary where people write and display almost anything - their opinions, photos, jokes, thoughts for the day and more. People also share stories about their pets, their passion for soccer, stamps... the limit is only your imagination!

In the last few years, blogging has emerged to become a much more meaningful activity than simply maintaining a personal diary. People use it to advertise their products and services, in fact, quite a number of companies even create their online presence by using a blog instead of a website.

Create Your Own Blog

Starting a blog is free. You can create one at http://www.blogger.com - a free service from Google Inc. You don't need to register a domain name or buy hosting. When you sign up at Blogger, everything happens online. Your blog will be hosted by Blogger and you get an URL like http://yourdomain.blogspot.com. You simply log in to your account and start to write. This is much easier and cheaper than buying your own domain and hosting, then hiring someone to do the web design, writing and coding.

Another free blogging service available online is WordPress which is also very popular and easy to use. WordPress supports more features than Blogger while allowing you to customize your blog with various plug-in. You can check it out at http://wordpress.org.

Monetize Your Blog

While blogging for your own interest, you can in fact maximize the potential of your blog for many marketing or commercial purposes.

The quickest and easiest way to turn a blog into a money-making enterprise is to include advertising on your blog. This can be done with contextual ad programs like Adsense - an advertising program by Google. Basically, you get paid when people click on the ads displayed on your website or blog. Google Adsense program is free to sign up. You can visit http://www.google.com/adsense to learn more about the rules and guidelines of the program. Other Adsense type ads that you can use for blog monetizing are SearchFeed, AdBrite, and Yahoo's Publishers Network (YPN).

Affiliate program is another potential way to make money blogging. By focusing on the subject of your blog post, you can promote relevant products from cost per sale affiliate programs like ClickBank and Amazon. You can write a review about the product or service with your affiliate links embedded inside so you get the commission whenever a sale is made.

Boost Your Blog Traffic

Blogs are quickly indexed by search engines, but you need to update it regularly. Search engines love fresh content and regular update will ensure that your website is indexed and ranked high up as well. The higher up it appears, the more traffic will come to your site, which means more sales. You can actively participate in forums discussion or post comments on other blogs to get more link back traffic.

Whether you use your blog for fun or for work, remember that its a highly potential tool any which way. So what are you waiting for? Start blogging away right now!

Lewis Low is the founding editor of OnlineBizPromo.com. For more Practical Online Business Ideas and Work-From-Home Opportunities, visit his Work-At-Home directory at http://www.OnlineBizPromo.com

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