Every day a new miraculous technology arises from the primordial ooze that is innovation. The latest tablet device arrives with great fanfare. Apple upgrades its i whatever.

They say insurance is the one career no one really plans to follow.

Since its inception in 2003, health savings accounts have grown at a phenomenal rate. Today, there are more than 10 million accounts nationwide, a figure thats expected to increase significantly in the next few years.

Times are tough, and over the last couple of years Americans have decided to forego health care expenses in lieu of basic expenses and the costs to economically survive.