How to Buy Your Next Pair of Glasses Online

The purpose of this article is to simply describe what you need to do to buy your first pair of glasses online. I will not recommend particular retailers, as you can find that info in several of my other articles and also check out the links on the right of this page. Purchasing eyewear online seems daunting at first. If you're like me, purchasing and fitting prescription glasses always seemed like a complex procedure best left to professionals. The truth is, if you know your prescription and have your existing rx glasses handy, it is really quite simple to purchase glasses online.

The Seven Critical Numbers

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First, find your current prescription. I keep mine in the health file in my filing cabinet. If you can't find your prescription, visit wherever you last had your eyes examined and request a copy. Your optician, optometrist, or ophthalmologist is required by law to release your eyewear prescription to you. You now need to make note of a few critical pieces of information from your prescription (see example above--click to enlarge). Among other information, you should see three columns on your prescription--sphere, cylinder, and axis.

How to Buy Your Next Pair of Glasses Online

In the example above, these are abbreviated SPH. CYL. and AXIS. These three columns will have two rows, Right and Left. In the prescription above, this is simply abbreviated R and L. Many doctors instead use the latin abbreviations, which are OD and OS. OD means right eye and OS means left eye. Jot down a quick copy of the six numbers or simply keep your prescription handy. These six critical numbers define how your lens will be carved. Any online eyewear retailer will ask for the input of these six numbers.

In addition to these six numbers, there is one more critical number, the Pupillary Distance, or PD. This is a measure, in millimeters, of the space between your eyes. In the example prescription above, you'll see the Pupillary Distance of the patient is 62. Jot down this number also, it is the seventh of your seven critical numbers.

A Final Measurement

A somewhat less critical number is your temple length. If you're lucky, you'll also see a temple length and bridge size in your prescription. If not, don't sweat it, you can figure it out yourself. The temple length describes the length of the two bars that connect the glasses to your ears. It is measured from where the 90-degree curve from your lens structure to the side bars (temples) begins to the very end of the temple, including the curve. It is not measured from the flex point of the temples, because the "stub" between the flex point and lens structure is not a standard size.

Now, take out some measuring tape (preferably the type of tape used for fitting clothes and sewing, as it is very flexible) and measure an existing pair of glasses that fit comfortably. An average temple length for men is 135mm or 145mm. For women, 130mm to 140mm is standard. If your tape only has inches, measure to the nearest eighth or sixteenth and multiply that number by 25.4 to get the measurement in millimeters. Temple lengths are generally available in 5mm increments, such as 130, 135, 140, 145, etc. At most online eyeglasses stores, temple length is shown within a frame description and is not customizable. Therefore, you need to find a frame with an appropriate temple size. This sometimes varies if you are at a site specializing in designer glasses, where you have the option to input your own temple size.

Honestly, temple size is not a huge deal. I have one pair of glasses with 135mm temples and another with 140mm temples. Both pairs fit comfortably. If for some reason you can't come up with a temple measurement, don't let that stop you from making an eyewear purchase online. Instead, simply choose 140mm temples if you are a man and 135mm temples if you are a woman. Chances are, this length will fit comfortably.

What's your Style?

Armed with your seven critical numbers and an idea on your temple length, start browsing the myriad of online retailers. Pick out some favorite frames and open the individual pages in separate tabs or windows of your web browser. Similar to trying on glasses at a standard retailer, you need to figure out if the frames you like are appropriate for your face. You might visit my post on the topic of face shape. If you have a nice oval face, you're in luck, most any pair will look on you. If you have strong, angular features, a rounded or rimless pair will look god on you. If you have a very round face, choose a rectangular or hexagonal pair of glasses. If you just want a basic pair of professional glasses, go with titanium rimless.

Using your trusty measuring tape, you can compare other measurements of your existing glasses with what you are looking at online. The bridge measurement describes the distance between lenses, the height describes the distance from the lowest point on the front of the frame to the highest point, and the lens describes the distance between the end of the bridge and the beginning of the temple. Some retailers also offer free virtual try-on. This service, which I describe in will allow you to upload a picture and place a variety of frame types on your face.

Place your Order

So you've found the perfect pair of frames. Begin the checkout process. You should see boxes where you can enter your prescription information (the seven critical numbers). This will sometimes be in a table format similar to your prescription, or it may be a simple list. You'll also have the option to choose from a variety of coatings and add-ons. If you will be wearing your glasses day-in and day-out, I recommend choosing the anti-scratch and anti-reflective coatings. These really do make a difference and ease night driving (anti-reflective) and the longevity of being able to see clearly through your lens (anti-scratch). You can add on the UV coating if you wish, though it isn't critical. Photochromatic tinting (aka "transition lens") is also an option. Personally, I prefer buying a separate pair of prescription sunglasses, but that is up to you.

If you only wear glasses occasionally (maybe as a supplement to contact lenses), or are just purchasing a pair of Rx sunglasses that won't be worn every waking hour, you might choose to save money by skipping on the extras. If you are buying a pair for your accident-prone child, skimping on the extras might not be such a bad idea either. Avoid coatings and other add-ons will also allow you to get a great pair of prescription glasses for well under . After you've placed your order, you'll typically wait about 2-to-3 weeks for your glasses to be custom carved and delivered. The finished product will typically include a hard case and a soft cloth for lens cleaning.

In this I show a video of the exact product received from a popular online eyewear retailer.

Side Note One: "Help, I don't have a prescription!"

If it has been a long time since your eyes have been examined, or if you just can't get a hold of your prescription, it's time to go visit an optometrist. While your neighborhood optometrist may charge 0 or more for a simple examination, discount stores like Wal-Mart, or optometrists in working-class neighborhoods will often offer an eye exam for or less. Grab your yellow pages and start making phone calls. Chances are, you'll get the best price if you find an optometrist who has many customers without vision insurance.

Side Note Two: "How can it be so cheap?"

The price difference between online eyewear and glasses bought from a traditional retailer, or even Wal-Mart or Costco, is startling. An identical pair of titanium frames might cost online and 0 at Wal-Mart. How can this be? What about the quality? I will categorically state that the quality of glasses received from the majority of online retailers is equal to or exceeds the quality found at your neighborhood eyewear shop or optometrist. The price differential comes from a number of factors, including the relative obscurity of online eyewear purchases, the fact that highly paid optometrists do not spend one-on-one time with the eyewear purchaser, and the fact that insurance companies are typically not involved with online eyewear purchases, thereby discouraging inflated prices.

Give it a try. I guarantee you'll be satisfied with your online eyewear purchase if you follow the steps outlined in this article.

How to Buy Your Next Pair of Glasses Online

The author is a twenty-something Coloradan who works professionally in local government and blogs as a hobby. As a lifetime wearer of corrective lenses, the author is passionate about helping people from all walks of life afford quality eyewear at a reasonable price. His blog is online at GetBetterGlasses.com

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Buy Salvage Cars to Rebuild and Save Thousands of Dollars

Salvage cars, what are they really? Many people have the wrong idea about salvaged cars as they are viewed as being merely junk. While salvaged cars don't have the best reputation by many, understanding how they got that way may change your mind.

Cars that have been given a salvage titles are those that the insurance company claims would cost more to repair than the vehicle is worth. However, it's mostly based on the estimated value of the vehicle as compared to the Kelly Blue Book so for example if you own an older truck that was in mint condition before you got rear-ended, the insurance company might decide the truck is not worth it to repair so they will want to total it. Having been in this situation myself I can assure you it was definitely worth it to me to repair my truck!

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So, what happens is often times the car will be issued a salvage title instead of a regular one. This type of title is meant to protect buyers so that they know the vehicles history and are aware of any potential problems. If this happens it can be well worth it to keep the car even if it gets a salvage title. Many times the car can be rebuilt depending on the original damage.

Buy Salvage Cars to Rebuild and Save Thousands of Dollars

Many people love to fix up cars as a hobby or business. If you're looking to get into rebuilding cars, salvage cars are a great way to get started. You can often repair the car or take the parts to build a new car.

If you don't own a salvage car then another option is to buy one at auction. Salvage auctions are a fun place to buy because they give you access to great cars at often very cheap prices. These auctions provide a function that helps the buyer, seller, and even the environment! If you've never considered buying a salvage car to rebuild or even use as parts then you're missing out on a great thing. You can buy a wrecked but rebuildable car or truck usually saving thousands over a non-salvaged car at an online auction. There are many great vehicles out there just waiting for you to fix them. Whether you use the vehicle for its' parts or to repair it and make it drivable again, a salvage car can be a great investment.

No matter if you're buying for yourself or to resell the car, there's a huge potential to save a lot of money and make money too. Keep in mind, there are some vehicles that are no longer worth anything, but there are others that are worth their weight in gold. If you rebuild the car to exact specifications then you can expect the car to pass the inspection with flying colors.

There are many individuals who specialize in rebuilding salvaged cars as a hobby or to resell the vehicle to make money. Before buying a salvage title vehicle, whether it be a car or truck, either to keep for yourself or to sell it, it's vital that you check with your local DMV to find out what the requirements are for putting a salvage auto back on the road. Every state has different laws so it's important to know what your state requires before making an investment.

Buying a car from a salvage car auction is a great way to save money and even make money if that's what you'd like to do. You'll also be doing a great thing by reusing resources that are already there. Many people lose out because they are scared to invest in a car with a salvaged title. Their loss is your gain as you come out with a salvaged vehicle that will last you many years at a great price.

I personally own a salvage title car and it's been running great for the near 7 years I've owned it. I saved about ,000 compared to other cars of the same make, year and model. Another added benefit is my yearly DMV registration fees are about one quarter the cost of a non-salvage vehicle!

Buy Salvage Cars to Rebuild and Save Thousands of Dollars

Search for cheap salvage cars online. Hundreds of cars and trucks are available online all across the country.

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Controversy Over Social Security - Part 1 - An Overview

The Social Security system has been mired in controversy from the time it was first proposed to the present day. The opposition and criticism has ranged from the most abstract academic discussion of its constitutionality to the most shrill and absurd proclamations about it being a step to Soviet-style Bolshevism.

Social Security is unique in that it has been constantly attacked from all sides and has still remained popular with most American's.

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Opposition from the right-wing of the American political spectrum has always revolved around two points: the interests of big business and populist opposition to the federal government in general.

Controversy Over Social Security - Part 1 - An Overview

Big business opposed Social Security because it imposed new taxes, new bookkeeping requirements and undermined the absolute dependence of the employees on the company. The populist opposition stems from the larger issue of state's rights that has been a constant theme in American politics since before the nation was even founded. The state's rights position is essentially that the individual states should have much more power and the federal government should be extremely limited.

Social security was obviously an enormous expansion of federal power and involvement throughout the country and as such was opposed by the state's rights advocates.

From the left-wing, the opposition first focused on the overtly discriminatory aspects of Social Security. As these concerns were steadily addressed, the criticism from the left tended to argue that Social Security was not doing enough and that it should be greatly expanded.

The original Social Security Act of 1935 reflected its time and focused most of its benefits on white men. The measures taken for women were predicated on the woman being unemployed and many benefits could only be received through male relatives. African-American's, Native-American's, and other national minorities were almost completely excluded at first.

Later, after these discriminatory measures were resolved, the emphasis changed to doing more. This includes measures to increase general benefits to efforts to get new medical conditions and subgroups of people included on the list of those that can receive benefits.

Opposition has also come from strictly pragmatic sources that are responding to their immediate self-interest as opposed to being led by political or ideological convictions. For example, prior to 1956 when the Disability Program was signed into law, the private insurance industry - that had a monopoly on disability insurance - campaigned and lobbied extensively against not just this measure, but the entire system. A more recent example was the Republican attempt to privatize SSA by transferring the funds held by the government to Wall Street investment firms. In order to justify this, it was necessary to demonize the government's administration of the funds. As this would have represented a massive windfall for the investment firms, they financed a massive national campaign portraying the Social Security Administration as inept, incompetent, and ineffective. The effort failed, but represented a pragmatic attack on Social Security by the investment firms as opposed to an ideologically driven one.

Social Security is, and always has been, a "hot-button" issue for many in the United States. The issue has always been surrounded by arguments, lawsuits, propaganda, and appeals to the public to demand change in one way or another. Many of these controversies have resulted in changes to the original system. In this series we will look at many of the controversies that have been simulated by the Social Security system and how they were resolved.

Controversy Over Social Security - Part 1 - An Overview

Wendy Polisi is one of the founders of Social Security Insider Secrets [http://www.socialsecurityinsidersecrets.com/category/social-security]. To find out more about social security retirement and social security disability benefits, please visit her at Social Security Insider Secrets.

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Financial Management of Healthcare Organizations

The Healthcare industry is affected by a high level of dynamism. With the advent of technology and emergence of information science, it is facing drastic environmental changes. At the same there major policy changes that make the operation in the field all the more complex. Healthcare organizations have to deal with a variety of issues in face of this changing environment. To add to it, healthcare costs are on the rise and the reimbursements declining. Today, financial challenges are the top concern of majority of hospital CEOs.

Further there are raising concerns regarding reimbursements, bad debt losses, Medicare and Medicaid.

We know that financial management is a decision science. There has been evidence that there are well-developed financial indicators that can be used by boards and management, to improve the organizations' financial management. (research conducted by flexmonitoring)

The following indicators had been used for the research:


•Financial viability indicators measure the ability to generate the financial resources required to replace assets and acquire new technology to meet increases in service demands.


•Liquidity indicators measure the ability to meet cash obligations in a timely manner.


•Capital indicators measure the ability to meet long-term debt obligations and how capital assets (equipment) are being maintained.


•Efficiency indicators measure the ability to provide services at the expected cost and to minimize administrative costs.


•Human resources indicators measure the effectiveness of human resource management and practices.

The results show that the organizations that made use of these indicators became more profitable, ensured increased utilization of beds and reduced their use of debt over time.

However, there are other difficulties and complexities that prevent the implementations of such proven methods to efficiency. Attempts to increase involvement of clinicians in finance management practices, budgeting, costing and cost management, have met with a constant reluctance. Moreover, majority of the healthcare organizations belong to the non-profit sector. There are limitations to incentive systems that present within the non-profit or government funded healthcare. Systems need to be tightened more so that loss-makers do not continue to operate. This will curb the recurrence of problems within the field. Implementing of better audits to diagnose past inefficiencies would ensure better future performance.

The marketplace for healthcare service is quite unusual with its third-party-payer system. This adds a profound complexity to the financial management of an organization. Attempts need to be made to standardize procedures and cut down the nonessentials. Government introduced third party payer system, Medicaid, Medicare and the policies regarding the same add to the inefficiency of healthcare organizations.

Healthcare organizations employ financial recording methods at will and this causes discord when it comes to budgeting and raising funds. The FASB has issued Accounting standards Update in order to make the financial records more simplified and easy to interpret and infer.

According to the most recent data by PricewaterhouseCoopers' Health Research Institute, the US spends $2.2 trillion on healthcare. Out of these around $500 billion can be saved from wastage. Doctors prescribe too many tests which are a complete waste of funds. Firms spend enormous amounts in claim forms, 'pre-certifications' etc. The incurred costs can be minimized by standardizing procedures and efficient use of technology. More often than not, the ER is used as the clinic. Data shows that a patient that can be treated for $70 in primary care, costs $700 for the same treatment in the ER. This needs to be corrected, both at the government policy level and internally within the organizations. The advent of technology and lack of efficient use of the same result in medical errors that are costing the industry $17 billion annually. Use of Information Technology and investing in proper training of professionals will lead to major savings for healthcare entities.

CFOs in healthcare entities can use significant research available to employ for their own firm and practice evidence based financial management. Studies show that using benchmarks and financial performance indicators can lead firms to operate at their highest level of performance. Watching out for key indicators such as cash flow margins, cash on hand will motivate to generate revenues. It will prevent reporting of deficits and overspends. Minimum and maximum limits should be set for debt service coverage and long-term debt capitalization. The Medicare output cost to charge ratio should be kept at minimal. These steps will prevent financial failure to a large extent.

Healthcare organizations should focus on improving the revenue cycle and on developing ways to access capital. Healthcare executives and managers need to utilize the power of accounting to make and mold appropriate financial behavior of firms.



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