The Wealth of Great Health TM A Prosperous Health, Fitness and Wellness Profile THE WEALTH OF GREAT HEALTH TM

The Cost of Medical Coverage so who cares? Government, employer, insurance company...

The Wealth of Great Health TM $100,000 Heart Surgery Insurance Company You Monthly Premiums Deductible Co-Pay 80/20 $100, ,000 98,000 20% $1,000/month $2,000 $8,000 19,600 $10,000$90,000 Stop Loss = $10,000 $2,000 $8,000 - Who Pays? (-) Deductible $8,000 $100,000 Heart Surgery Co-Pay

The Wealth of Great Health TM How can the Insurance Company afford to pay $90,000? Insurance Company You Insured 1 Insured 4 Insured 5 Insured 3 Insured 2 Monthly Premiums RESERVES$

The Wealth of Great Health TM Insurance Company High Deductible Policy You Health Savings Account Contributions - No Taxes Investment Account Medical Withdrawals – No Taxes DEDUCTIBLE First dollar expenses paid by the insured Monthly Premiums Insurance Investment/Insurance

The Wealth of Great Health TM $10,000 Medical Test 1.Insured -You 2.Medical Provider 3.Insurance Company 4.Employer 5.Government - Needs to Care - Someone else’s money - Charge what the market will bear - Historical Expenses + 10% - Raise profit margins - Pass the expense to the employee - Entitlements way too expensive

The Wealth of Great Health TM

The Cost of Medical Coverage so who cares? Government, employer, insurance company... Financial Resource Accumulation through Health, Wellness, Fitness and Medical Awareness

The Wealth of Great Health TM 75% of all medical expenses in this country could be avoided if people would: 1.Get regular medical examinations 2.Establish their risk profile 3.Take reasonable steps to minimize their health risks

The Wealth of Great Health TM Annual Premiums =$12,000 Projected Savings =30% Annual Premium Increase = 12% Investment Yield =11% Time =45 years HSA Ending Balance $21,761,162 10%$7,253,721 Multi Million Dollar Choice Projected Savings 30%

The Wealth of Great Health TM IRA / 401(k) Federal Income Tax State Income Tax Withdrawals Taxed No Tax on Contribution HSA Federal Income Tax State Income Tax Withdrawals Qualified medical expenses? No Tax on Contribution FICA - Soc. Sec. Tax No Yes No Taxes V HSA Contribution Taxes Federal State Investment Contribution Contribution Growth Investment Yield $ 6,150 25% 5% $ 2,829 12% 11% $21,761,162 $7,253,721 30% 10% $17,100, (k) Additional 401(k) Tax Savings F.I.C.A. 16% Investment Period 45 Years

The Immediate Future of Health Care a compelling vision of a future longer than you anticipated The Cost of Medical Coverage so who cares? Government, employer, insurance company... Financial Resource Accumulation through Health, Wellness, Fitness and Medical Awareness

The Wealth of Great Health TM Regenerative Medicine – grow new cells and organs Molecular disease diagnosis Genome/DNA risk tolerance profiling Anti-aging medications Medicine Medicine Extraordinary advances in: Nano-robotics

The Wealth of Great Health TM 2000s Aug. 2, 2100 Scott Marsh Death Wish Goal 99 Years Old! 147 Years Old! May 14, 2027 Normal -25 Years Feb 18, 2008 Pessimistic -19 Years May 14, 1990Sadistic-25 Years

The Immediate Future of Health Care a compelling vision of a future longer than you anticipated The Cost of Medical Coverage so who cares? Government, employer, insurance company... Financial Resource Accumulation through Health, Wellness, Fitness and Medical Awareness W.A.L.K.S.M.A.R.T. The science of health, wellness and longevity – when YOU CARE

The Wealth of Great Health TM W.A.L.K.S.M.A.R.T. TM WW AA LL KK SS MM AA RR TT FOUR CRITICAL TESTS: 1.Health and Wellness 2.Fitness 3.Risk Profile 4.Cognitive Profile Extra Credit – Winter 2011 alk – or other aerobic activity ppealing Alternative Activities ife path eating plan now and grow S.I.O.U. information sources entally progressive ccumulate financially esistence training argets that compel

The Wealth of Great Health TM W.A.L.K.S.M.A.R.T. TM Farmers, engineers and supporters – design global village construction Open source design 40 machines necessary for modern civilization Eight machines developed – one/eighth the cost to acquire Lego equivalent designs published for free on web site

The Wealth of Great Health TM W.A.L.K.S.M.A.R.T. TM Treadmills Bicycles Elliptical Trainers Cross-Trainers Rowing Machines Laptops Notepads Smart Phones PDAs Media Players Wireless USB Connection Monitoring Testing Profiling Research Goal Setting Blood Pressure Heart Rate Oxygen Utilization Embedded Chips Cognition Fitness MachinesProcessors ProceduresMonitoring/Tests Health Medical Care Wellness Nutrition Fitness Objectives Cognition Medical Care Health Care Nutrition Counselor Fitness Trainer Emotional Counselor Virtual Advisors Motivation/Goal Setting Motivation

The Wealth of Great Health TM W.A.L.K.S.M.A.R.T. TM 1.Treadmill – Mechanical Engineering 2.USB & Wireless – Computer Engineering 3.Open Source AAA – Computer Programmer 4.Medical Records Data Base Health / Wellness / Fitness / Nutrition 5.Medical / Performance Tests Free / almost free / better than free 6.Fitness and Wellness Monitoring Strategies and devices 7.Web Programming 8.The competition

The Wealth of Great Health TM 12 Key Advantages

The Wealth of Great Health TM IRA / 401(k) Federal Income Tax State Income Tax Withdrawals Taxed No Tax on Contribution HSA Federal Income Tax State Income Tax Withdrawals Qualified medical expenses? No Tax on Contribution FICA - Soc. Sec. Tax No Yes No Taxes 1.Save Taxes

The Wealth of Great Health TM 1.Save Taxes 2.Medical Provider Discounts (Debit Cards)

The Wealth of Great Health TM 1.Save Taxes 2.Medical Provider Discounts (Debit Cards) 3.You Care

The Wealth of Great Health TM 1.Save Taxes 2.Medical Provider Discounts (Debit Cards) 3.You Care 4.Younger People – Better Benefit

The Wealth of Great Health TM 1.Save Taxes 2.Medical Provider Discounts (Debit Cards) 3.You Care 4.Younger People – Better Benefit 5.Insurance for Life (Portable)

The Wealth of Great Health TM 1.Save Taxes 2.Medical Provider Discounts (Debit Cards) 3.You Care 4.Younger People – Better Benefit 5.Insurance for Life (Portable) 6.Individual Premiums Often Less Than Group

The Wealth of Great Health TM 1.Save Taxes 2.Medical Provider Discounts (Debit Cards) 3.You Care 4.Younger People – Better Benefit 5.Insurance for Life (Portable) 6.Individual Premiums Often Less Than Group 7.Preventive Health Care

The Wealth of Great Health TM 1.Save Taxes 2.Medical Provider Discounts (Debit Cards) 3.You Care 4.Younger People – Better Benefit 5.Insurance for Life (Portable) 6.Individual Premiums Often Less Than Group 7.Preventive Health Care 8.Doctors Prefer Fee-For-Service Plan

The Wealth of Great Health TM 1.Save Taxes 2.Medical Provider Discounts (Debit Cards) 3.You Care 4.Younger People – Better Benefit 5.Insurance for Life (Portable) 6.Individual Premiums Often Less Than Group 7.Preventive Health Care 8.Doctors Prefer Fee-For-Service Plan 9.More Policy Options

The Wealth of Great Health TM 1.Save Taxes 2.Medical Provider Discounts (Debit Cards) 3.You Care 4.Younger People – Better Benefit 5.Insurance for Life (Portable) 6.Individual Premiums Often Less Than Group 7.Preventive Health Care 8.Doctors Prefer Fee-For-Service Plan 9.More Policy Options 10.Employer Bankruptcy – Employee Unaffected

The Wealth of Great Health TM 1.Save Taxes 2.Medical Provider Discounts (Debit Cards) 3.You Care 4.Younger People – Better Benefit 5.Insurance for Life (Portable) 6.Individual Premiums Often Less Than Group 7.Preventive Health Care 8.Doctors Prefer Fee-For-Service Plan 9.More Policy Options 10.Employer Bankruptcy – Employee Unaffected 11.Personal Medical Information is Private

The Wealth of Great Health TM Abortion Acupuncture Alcoholism Ambulance Annual Physical Examination Artificial Limb Artificial Teeth Autoette Bandages Body Scan Breast Reconstruction Surgery Birth Control Pills Braille Books and Magazines Capital Expenses Car Chiropractor Christian Science Practitioner Contact Lenses Crutches Dental Treatment Diagnostic Devices Disabled Dependent Care Expenses Drug Addiction Drugs Eyeglasses Eye Surgery Fertility Enhancement Founder's Fee Guide Dog or Other Service Animal Health Institute Health Maintenance Organization (HMO) Hearing Aids Home Care Home Improvements Hospital Services Insurance Premiums Intellectually & Developmentally Disabled, Special Home For Laboratory Fees Lead- Based Paint Removal Learning Disability Legal Fees Lifetime Care—Advance Payments Lodging Long-Term Care Meals Medical Conferences Medical Information Plan Medical Services Medicines Nursing Home Nursing Services Operations Optometrist Organ Donors Osteopath Oxygen Physical Examination Pregnancy Test Kit Prosthesis Psychiatric Care Psychoanalysis Psychologist Special Education Sterilization Stop-Smoking Programs Surgery Telephone Television Therapy Transplants Transportation Trips Tuition Vasectomy Vision Correction Surgery Weight-Loss Program Wheelchair Wig X-ray Annual Physical Examination Artificial Teeth Bandages Chiropractor Dental Treatment Drugs – even non-prescription Eyeglasses Home Improvements Insurance Premiums Legal Fees Long-Term Care Pregnancy Test Kit Psychiatric Care Vision Correction Surgery Weight Loss Program Annual Physical ExaminationArtificial TeethBandagesChiropractorDental TreatmentDrugs – Even non-prescriptionEyeglassesHome ImprovementsInsurance PremiumsLegal FeesLong-term CarePregnancy Test KitPsychiatric CareVision Correction SurgeryWeight Loss Program IRS – Publication Save Taxes 2.Medical Provider Discounts (Debit Cards) 3.You Care 4.Younger People – Better Benefit 5.Insurance for Life (Portable) 6.Individual Premiums Often Less Than Group 7.Preventive Health Care 8.Doctors Prefer Fee-For-Service Plan 9.More Policy Options 10.Employer Bankruptcy – Employee Unaffected 11.Personal Medical Information is Private 12.Non-traditional Expenses

The Wealth of Great Health TM 1.Save Taxes 2.Medical Provider Discounts (Debit Cards) 3.You Care 4.Younger People – Better Benefit 5.Insurance for Life (Portable) 6.Individual Premiums Often Less Than Group 7.Preventive Health Care 8.Doctors Prefer Fee-For-Service Plan 9.More Policy Options 10.Employer Bankruptcy – Employee Unaffected 11.Personal Medical Information is Private 12.Non-traditional Expenses 13.Medical Payments with Non-HSA Dollars

The Wealth of Great Health TM Regenerative Medicine – grow new cells and organs Molecular disease diagnosis Genome/DNA risk tolerance profiling Anti-aging medications Medicine Medicine Extraordinary advances in: Nano-robotics

The Wealth of Great Health TM Help patients feel more confident in the US health care system; the Bill of Rights Right to the patients access to personal information and information about providers Right to know treatment options and to take part in decisions about your care Right to patient respect and non-discrimination from medical providers and health plan representatives Right of patients to choose medical providers and insurance plans Stress the importance of a strong relationship between patients and their providers Stress the key role patients play in staying healthy Right to use emergency services without getting authorization Right to confidentiality of health information and to receive a copy of medical records THREE MAJOR GOALS EIGHT KEY AREAS Right to a fair, fast and objective review of any complaint about providers Providers right to be treated with respects when dealing with patients

The Wealth of Great Health TM

Farmers, engineers and supporters – design global village construction Open source design 40 machines necessary for modern civilization Eight machines developed – one/eighth the cost to acquire Lego equivalent designs published for free on web site

The Wealth of Great Health TM

How can the Insurance Company afford to pay $90,000? Insurance Company You Insured 1 Insured 4 Insured 5 Insured 3 Insured 2 Monthly Premiums RESERVES$