So how do different plans effect how you receive health care? When you are part of an indemnity plan, you are typically able to choose doctor you want to see when an unexpected illness occurs. You will have to fill out paperwork to submit claims, and keep track of your receipts and medical bills. If you are covered under managed care health insurance plans, you have a higher chance of having your routine check ups covered, since they believe strongly in preventative medicine. You typically are required to choose a health care provider from a list of participating providers, but most of paperwork required to process your claim is responsibility of insurer.

***************************************** Brad Triggs provides more information and free insurance quotes at his website: My-Insurance-Quotes.com - Health Insurance Plans *****************************************

6. Instant Balancing works best when your checkbook is up to date. It will instantly become Frustrated Balancing if you left out a few key postings, like an ATM withdrawal or an automatic deposit.

How To Use Instant Balancing

Remember goal - your checkbook balance must agree with bank’s balance. The assumption is that bank has right number. So, bank’s balance won’t change, but your checkbook balance might.

The steps in next section may seem a wee bit detailed at first. But, good news – there’s 3 “you’re DONE’s” scattered throughout steps. If you’re lucky, you’ll be finished after step 2.

As with any new process, it may take a few times before you’re comfortable with Instant Balancing. The secret to Instant Balancing is timing. If your timing is good, you’ll finish at step 4. If it’s great, you’ll finish an instant after you access your online bank balance.

Instant Balancing Steps

1. Sign onto your bank’s web site and access your checking account transactions (in date order, latest transactions first.

2. Look at bank’s balance and then your checking account balance. If they agree, you’re DONE.

3. If they don’t agree, figure out date you last balanced your checkbook. * Find transactions in bank’s online records but NOT in your checkbook from that date forward to present. * Record these transactions (checks/debits or deposits/credits) in your checkbook.

* Do math to bring your balance up to date.

4. Look at bank’s balance and then your updated checking account balance. If they agree, you’re DONE.

5. If they don’t agree, remember date you last balanced your checkbook. * Find transactions are in your checkbook but NOT in bank’s online records from that date forward. * On a piece of scrap paper, ADD transaction checks/debits to your checkbook balance. * SUBTRACT transaction deposits/credits from your checkbook balance.

6. Look at bank’s balance and then your updated checking account balance. If they agree, you’re DONE.

7. If they don’t agree, either bank made an error or you did when you Instant Balanced. Try comparing bank transactions against yours to find out who’s in error. If this doesn’t work, you made a math error. Give it to someone else to check.

Disclaimer: The information in this article is beneficial if properly used by reader. The author cannot be held liable for monetary loss resulting from using Instant Balancing or from failure to take adequate Internet security measures.

Copyright 2005 by Valerie Mills

Valerie Mills is a sales copywriter specializing in direct mail and web advertising. She writes sales letters, web pages, and brochures for the finance, self-help, and technology areas.

Valerie has also written several articles and an ebook for parents: please refer to http://teachyourkidsaboutmoney.com for more information.