IVF Help Guide

Are you Planning an IVF? Well, My wife and I are. So, I wanted to put together a list of helpful websites. To help others that are planning to have a baby through IVF.


First, do your research on Fertility doctors have the best success rate. Just go to http://www.sart.org/
Find a Clinic, do a search. Select your clinic and view the ART Data Report: an Example of our clinic is here. ART Report for, University of South Florida IVF

Here is a website where you can save up to 70% off  IVF Medication.
https://www.ivfmeds.com/

IVF Costs - In Vitro Fertilization Costs. IHR.com directory of Infertility IVF Clinics.
On average, IVF cost of a basic IVF cycle in the U.S ranges from about $12,000 - $15,000. Although some insurance companies cover IVF, often they don't.

Many clinics offer discounted fees for course-of-treatment IVF programs, such as our Attain IVF® Flex Plans. ... You may be able to use a home equity line of credit, take a loan against your 401K or other investment and insurance policy for infertility treatment financing.


Once you've determined that in vitro fertilization (IVF) treatment is your next step along the path to parenthood, you’ll want to determine how you’re going to pay for treatment – and you'll probably have more options than you realize!

1. Insurance. Currently fifteen states mandate some form of fertility treatment coverage and it varies by state. The first place you can start is to see if your state is one that requires infertility insurance benefits. Even if your state doesn’t mandate fertility health insurance, your health insurance plan may offer some form of coverage.
2. IVF programs. Many clinics offer discounted fees for course-of-treatment IVF programs, such as our Attain IVF® Flex Plans.
3. Fertility Financing. Loans to help cover Attain IVF Program costs are available through Attain IVF's preferred fertility partner, CapexMD. Click here for details.
4. Existing assets and investments. You may be able to use a home equity line of credit, take a loan against your 401K or other investment and insurance policy for infertility treatment financing.
5. Credit card companies. Using a credit card to pay for treatment is another option. If your account is in good standing, you may want to contact your credit card issuer to request an increase in your line of credit (sometimes at a reduced interest rate) that you can use as part of your infertility financing plan. While there are no guarantees, it doesn’t hurt to ask!
6. Family members. Don’t overlook family members who may be willing to loan you money – possibly with no interest.
7. Fertility Grants. There are a number of nonprofit organizations that provide funding for patients who can’t afford fertility treatment, such as B.U.M.P.S., The Cade Foundation, and Fertile Dreams among others.

• Links for  Infertility Treatment Grants and Scholarships

http://babyquestfoundation.org/

http://www.cadefoundation.org/

http://www.inciid.org

www.lifefindsaway.org

http://www.payitforwardfertility.org

http://my.clevelandclinic.org

IVF Scholarships from INCIID

 

1. Military families. Some clinics offer special rates to men and women actively serving in the military, as well as veterans.
2. Fertility Drug Programs. Several fertility drug companies offer programs that make the cost of fertility drugs more manageable, including Design Rx by Fertility by Design, Ferring Pharmaceutical’s Heart Program by Ferring Pharmaceuticals, and Fertility Assist2 from Fertility LifeLines by EMDSorono. Members of our Attain IVF Flex Plans automatically receive an Attain® Rx Discount Card with discounts of up to 30-75% off prescription medications.
3. Savings. And of course there’s always the opportunity to start saving now. It could mean delaying treatment, but with a well-thought-out budget, you may have the resources available sooner than you think.
4. EGG Donation. Some Fertility Clinics will pay egg donors, eather they will pay for 1/2 of the IVF or they will give you a couple Thousand Dollars. www.Floridafertility.com/Egg-Donor

Once you know that undergoing infertility treatment is your next step towards becoming a parent, having a solid understanding of the associated costs and being proactive about your fertility financing options will provide you with the information you need to make the best decisions possible.

Facebook Money Flipping Scam

Social media is being used to lure new victims into an old get-rich-quick scam.  Twitter, Facebook and Instagram users are advertising ways to turn $100 into $1,000 by "flipping money." The pitch suggests investors can take advantage of quirks in the monetary system to leverage additional cash and turn a few hundred dollars into thousands. It's as easy as sending in a prepaid debit card to a specific address.  Getty Images/Ingram Publishing Social media is being used to lure new victims into an old get-rich-quick scam: flipping cash. Want proof? The websites come complete with pictures of happy investors posing with stacks of cash and testimonials about how easy it is to make money. But fraud experts warn that the only people making money on this are the scam artists, who take the debit cards and never look back. "You're giving a prepaid debit-card number to someone you don't know. (You're) not sure how they're going to flip the money, not sure if it's legal or not," Felicia Thompson, spokeswoman for the Better Business Bureau of Central, Northern and Western Arizona, said. "Really, you're not going to hear from them again because they have what they want." The BBB is one of several consumer-protection agencies warning of the scam. Authorities in several other states also have posted warnings about flipping cash. The National Consumer League details on its website, fraud.org, how the scam works. Flipping scams are not new, but the use of social media and classified listings on Craigslist to promote them mark "a worrying trend," according to the bulletin, because of the ease and speed with which victims are lured into the scheme. "A recent complaint filed to fraud.org from a 26-year-old victim in California listed the scammer's name, Martez Brands, and his phone number," the bulletin said. "This information led to a website called OnInstagram, where the victim had originally found the scammer and eventually lost $300. Websites such as OnInstagram and Iconosquare are comprised of multiple pages of scammers' profiles and postings about flipping money." The scheme is simple. The victim loads the debit card and then contacts the scammers, usually through a phone number or message, to provide the PIN. Once con artists have access to the cash, they often block "the victim from contacting them via social media network or phone number, according to fraud.org. Still tempted? Consumer protection advocates suggest taking these steps before committing any cash: • Do a quick search. Before making contact, do a Web search of their username or phone number. If it's a scam, chances are that other victims have posted complaints and information online. • Be wary of prepaid debit cards. Wire transfers used to be a scammer's favorite way to collect payment, but prepaid debit cards are the new preferred method. Treat prepaid debit cards like cash. Once you give away the account info, you will not be able to get that money back. • Don't trust your online friends. It might not actually be them "liking" or sharing scam posts. Their accounts may have been hacked.

Highlands Lake Center ***Bad***Bad***Bad***

We just put my grandma in this rehab facility. She is already talking about abuse.

Highlands Lake Center

4240 LAKELAND HIGHLANDS RD [map] 
Lakeland, FL 33813

ICE Cold Air $7.00 Oil Change Scam

When it sounds too good to be true, it is. Ice Cold has a $7 oil change.  Well, I will say they do the oil change for only $7.00. But they use sand filtered reclaimed oil.  They also use this promotion to lure you in to give you Bull Shit Repairer's.  They told me I need all 4 brakes replaced and I had an oil leak and I needed my head gasket replaced.  At First, I believed them. But I wanted a second opinion.  I took my vehicle  to another shop and they told me my vehicle was just fine.  That my brakes looked like they had been recently replaces. This can be true because I just bought my car from the dealership.  Then i pull up my car fax. It listed all of my vehicle's history and sure enough. the brakes were replaced.  Ice Cold Air Lied to me. They are not to be trusted.

Pinellas County Sand Bags Locations

Locations Where Sand Bags May be Obtained

The City of Pinellas Park may disburse sandbags to residents and businesses, should the conditions 

require, at the Adamek Building located at 7700 60th Street N.  Other distribution sites MAY be 

established as needed.

AffinityCellular.com is a Scam --> Do Not Trust Affinity Cellular

This company is the worst. They cheated me out of $100's. Impossible to cancel and survive sucks. 
Affinity is one of the worse cell phone service out there. The quality is sucks and they always overcharge u. They just add up an amount to your bill. The costumer service is really bad. always some one answer u but no one is able to solve the problem. even their online service is very bad u never get to know what is your real usage is. U buy cell phone pay activation delivery and all other charges at the end is not functioning properly.
Read more: Anyone have Affinity Cellular thru AAA? - I`m having issues. i need help. i have a few questions... please... my relationship is at stake here... :: Ask Me Fast at http://www.askmefast.com/Anyone_have_Affinity_Cellular_thru_AAA-qna5788203.html#q4319938
Owner is Registrant Name: Dennis Henderson 

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Cody's the Best Steakhouse in St.Pete

I just want to say thank you  for  a wonderful meal. I just came home with a full stomach and I am so happy, that I had to write a good review. The steak was fabulous cooked to perfection and the service was outstanding. Cody's is my favorite steak house in Pinellas County.  My family and I really enjoyed our dinner. My son calls it the peanut place. I my self love eating the fresh roasted peanuts. The best part is you can through the peanut shells right on the floor. My wife ordered  the long island ice tea, 2-4-1 drinks are incredible and strong!  Cody's is a very casual, fun place to eat and drink.  We will definitely come back. 

Windows 10 error code 0x C 00 00 428

I am running Windows 10 and sometime today or did the update now it is stuck with this error co

Dan's Automotive Impressipns / Affordable Auto Detailing

I just had my truck washed and waxed and I am super happy with their quality of service. My truck looks brand new again all for a very cheap affordable price and best price in St Pete guaranteed.  I highly recommend Dan's automotive impressions auto detailing services to anybody in St Pete.
Dan - 727-455-4228

DIY Redneck broom out of Soda bottles

Tax Refund Late, 2015 - IRS Says it could be Delayed a Couple of Weeks

NEW YORK (CNNMoney) — As much as people may hate paying taxes, they do love their refunds.

Normally, the IRS cuts its refunds checks pretty quickly. But this year, because of budget cuts, IRS Commissioner John Koskinen has warned that there could be a delay in issuing them.

People who file paper tax returns could wait an extra week for their refund — “or possibly longer,” wrote IRS Commissioner John Koskinen in a memo to employees Tuesday. And filers with errors or questions that require additional review will also face delays.

Last month, Congress approved a $10.9 billion budget for the IRS for fiscal year 2015, which ends in June. That’s the lowest level of funding since 2008, Koskinen said.

Koskinen said the budget cuts would result in several other changes at the agency, including:

Fewer audits. Due to cuts in enforcement staff, collection efforts for individuals and businesses will be reduced.

Hiring freeze. The freeze, plus normal attrition rates, will result in 3,000 to 4,000 fewer full-time employees at the agency by the end of June. Including the headcount losses incurred since 2010, that means the agency’s full-time staff will be reduced by as many as 17,000 employees over the course of five years.

Less taxpayer help. Cuts in overtime and temporary staff hours will not only delay refunds, but hurt correspondence with taxpayers as well. Koskinen said it’s likely that fewer than half the taxpayers that call the agency will be able to get through.

A possible two-day shutdown after tax season. To minimize disruptions, Koskinen said a temporary shutdown, if needed, would likely occur closer to June. But, he added, the agency will do what it can to avoid this option, which he called a “last resort.”

Delays in IT investments. Among the delays, will be technologies that offer new taxpayer protections against identity theft.

under60000miles.com / Review / Outstanding Customer Service

My wife and I were shopping for a mini van. We went to every major car dealer in St.Pete.  Dayton Andrews, Crown, Maher Chevrolet, and Park Auto Mall.  Everything was over priced.  The worst dealer ship was Dayton Andrews.  We found a 2006 Dodge Mini van with 34,000 miles for $10,800. When we went to look at it, it was sold. But they had 2005 Dodge mini van with 47,000 miles for $10,400. they also had a big sign that said Drive/ Push or tow any vehicle trade-in for $3,000. which is a Big Lie. They only wanted to give me $1,200. for my 1998 Toyota with only 90,000 miles. They also treated us with no respect. The sales person was very rude and was standing firm on the $10,400. price. Plus they wanted to charge a $650 dealers fee.

Luckily a  good friend of mine told me about www.under60000miles.com which is located 6190 54th Ave North, St Petersburg, FL 33709.  Robert is the owner and is a person who is vary honest.  My wife and I are so happy we came across his dealership. All the vehicles on his lot are under 60,000 miles and are in outstanding shape.  He gave us the deal of a lifetime.  Not even the big dealerships can beat his prices.  Robert also does not charge a dealers fee. Yep, "No dealers Fee". Not only is he a really nice guy, but he is funny too. He had me and my wife cracking up laughing.  He made buying a car a fun experience.


Robert sold us an 2005 Chevy Uplander Mini van in mint condition / supper clean / 51,000 miles / 1 owner / clean carfax for $7,800. out the door.

You herd the saying "A Happy Wife = A Happy Life" My wife is super happy with her new mini van.  Which makes my life very peacefully. So, I would like to say "Thank you Robert" for hooking it up with a great deal on a nice reliable vehicle.

So, if you are looking for a good reliable vehicle that is under 60,000 mile. You will find the best deals at www.under60000miles.com

Under 60,000 Miles
6190 54th Ave North
St Petersburg, FL 33709
(727) 544-2056 - Main
(727) 541-3716 - Fax

DIY Baby Wipes, Save $$$

Anyone who has a baby knows that the cost of baby wipes really adds up after a while. Most people think they can only buy them in the store, but actually you can DIY them and it's probably even easier than you'd think. Watch this video to find out how to make your own. This simple trick could save you hundreds of dollars each year!

Jesus VS. Muhammad

Jesus, a servant, never fought in battle, never killed a guy! Not only did Muhammad do so, but he actually felt that it was his divine calling to KILL non-Muslims and MURDER people who insulted him!”

This is the one, folks. This is the video that’s literally resulted in an official fatwa and literally thousands of threats on my life and that of my family.

Here is a telling Jesus vs Muhammad comparison. While it would be simpler to declare that there is no comparison between Jesus and Muhammad, in many ways, as shown below, Jesus was the antithesis of Muhammad, or Muhammad the antithesis of Jesus. (The evidences for Jesus' and Muhammad's columns are footnoted below and linked, respectively.)

     JESUS                                                                               MUHAMMAD

Jesus’ name means God is Savior, Immanuel-God with us as our Savior.	Mohammed's name means praised one
Born about 4 BC. in Bethlehem Born of the Virgin Mary Isa.7:14 had no earthly father, Mt.1but conceived of the Holy Spirit.	Born of Aminah In 570 A.D. in Mecca
Raised by Mary His mother and Joseph, His adopted father .	Raised by his mother, Halima the nurse, then his uncle and grandfather
Prophesied by more than 300 scriptures for his first coming, fulfilled them all including Deut.18:15.	Muslims believe Mohammed is prophesied as the Comforter. And the prophet of Deut.18:15
Labored as a carpenter like his stepfather in Nazareth	His father was named Abd Allah after Allah. Started as a shepherd then became a camel-caravan leader
Spoke in Hebrew, Aramaic, and probably Greek	Spoke only Arabic, Muslims say he was illiterate
Was literate, but wrote no books. He directly commissioned his dedicated followers  to write and preach His message. The Holy Spirit inspired them.	Was literate;  an angel called Gabriel delivered the message. Wrote the Quran or as some say others heard his sayings and wrote them down as well.
Attracted multitudes by His teaching of God affirming the OT. Taught openly to multitudes as one having authority	Attracted multitudes by his teaching and by the sword forcefully overthrowing the worship of multiple Gods.
Miracles and healing’s were given freely, he healed all kinds of diseases.	The Koran is his miracle. Did no miracles of healing or delivering people from demons.
Moved to Capernaum because of rejection by His townspeople and brothers and sisters	Had to move to Medina because of rejection by his townspeople
Was never married nor lusted for a woman	Married to at least fifteen wives one of which was only 9 years old at the time.
Lived a sinless life, never once prayed for forgiveness like other sinners, he forgave others.	Prayed often for forgiveness of his sins as did all the prophets in the Old Testament and New Testament .
Waged no war, said his kingdom was not of this world so his followers should not fight. Jesus said those who live by the sword will die by the sword.	Mohammed was a warrior who waged war numerous holy wars (Jihad) against infidels and pagans. Fighting or leading in sixty-six battles to spread his message of monotheism
Ordered the death of no one but instead died in place of the guilty murderer and all who have sinned.	Ordered the death of many men and women (the first was a poetess) to promote the message of monotheism among the pagans.
Established a religion of truth, mercy and love even for enemies, invites all to come to Him.	Established a monotheistic belief system, an earthly empire teaching all must obey the teachings of the Koran.
Established a relationship with God and a spiritual kingdom not of this world that will last forever with him as the ruler.	Established a religion of God being compassionate and merciful  to the obedient but there are no guarantees for anyone.
Died by crucifixion in place of others in Jerusalem at age 33 being totally innocent of any crime.	Died in Medina due to effects of pneumonia at age 62
Arose from the dead the third day just like he predicted, emptying His tomb, promises to raise everyone else and judge them.	Still lingers in his grave awaiting the Day of Judgment by Jesus.
The Bible inspires people to seek peace and the Gospel is called the Gospel of peace. The God of the Bible offers His love gives us a choice to choose. He does not want anyone to perish in their sins.	The Qu'ran condones fighting for God and the cause of Islam when necessary.  It promotes genocide death to infidels and pagans and those who do not accept Islam when it is offered.
Jesus is mentioned in the Quran 97 times	Mohammed is mentioned in the Qu'ran 25 times
Jesus is mentioned hundreds of times in the Bible	Mohammed is mentioned not once in the Bible
Jesus is called a prophet, priest and King (king of all Kings)	Mohammed is called an apostle in the Qu'ran and a prophet in Islam
Old Testament predicts His 2nd coming in more Scriptures than his first, which are 600 detailed accounts.	Mohammed had only one self fulfilling prophecy, nothing in the Old Testament predicted his coming.
Over 1,500,000,000 claim to be His followers are known for their dedication, love, and caring for others. Building hospitals feeding the poor and helping to educate people all over the world showing the compassion of the God they serve.	1 billion are followers who are dedicated, zealous and still use force if necessary against non Muslims in their land where Islam is the countries religion.
Christ prophesied of the end of the age and what it would be like when He comes again. He will save Israel from her enemies. The Old and  New Testament prophecies will be fulfilled by his 2nd coming.	There is no teaching on Mohammed coming back again to rule or reign. Islam actually teaches Christ is coming back.

		JESUS	MUHAMMAD
Identity		Creator 1	Creature
Claimed to be		God 2 & Son of God 2	Prophet
Since		The beginning 2	He told his wife Khadija about hearing voices and she told him they must be of an angel and he must be a prophet
Claim is		Proven by His resurrection	Disproven by his false prophecies
Raised		The dead to life 3	An army to put many to death
Lied to		None	Many (see Taqiyya)
Mistook		None	Satan's voice as Allah's
Robbed		None	Many
Forgave		Everyone	None who offended
Healed		Thousands	None
Killed		None	Thousands (see Religion of Peace)
Walked on		Water 4	Blood of those he slaughtered
Wives permitted		0-1	Up to 4 (see Naskh)
His wives		0	12+
Youngest wife		n/a	6 year old Ai'sha, the 'marriage' to whom Muhammad consummated when she was 9 years old and he was 53 years old
Said of the other		Warned about his kind 5	Praised Jesus
Sinned		Never 6	Constantly
Epitomized		Love	Violence
Sacrificed		Himself to save others	Others to save himself
Presently in		Heaven	Hell

the difference between muhammad and jesus

the difference between jesus and mohammed

was mohammed real

is there proof of muhammad

muhammad in christianity

who came first jesus or muhammad

compare and contrast jesus/muhammad's family life

jesus vs muhammad comparison