50 Orang Gagal dan Bangkrut Namun Berhasil Bangkit Meraih Sukses dan Terkenal inspiratif #2

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Selalu ada cerita menarik dibalik kisah sukses para pengusaha besar, menarik untuk di jadikan pembelajaran betapa kuatnya niat mereka untuk keluar dari masalah, 

betapa kuatnya keinginan mereka untuk mancapai kesuksesan, betapa pedih dan kuatnya perjuangan mereka.

Kesuksesan yang mereka raih, bukan lah datang secara instan dan tiba tiba. 

Tetapi kesuksesan itu datang karena mereka sendiri yang mengundangnya. Mungkin kita melihat reputasi mereka sebagai orang terkaya, orang terpintar atau orang tersohor, namun di belakangnya tidak banyak yang tahu bahwa mereka menghadapi kenyataan yang sangat pahit dari yang dibayangkan manusia umum, yang membuat mereka terpaksa bekerja lebih keras, berjuang lebih keras, berpikir lebih keras dan melakukan hal hal yang lebih dari manusia biasa pada umumnya.

Kegagalan kecil kita dalam menempuh hidup ini terkadang sangat berat kita rasakan, ketahuilah bahwa mereka jauh lebih gagal dari yang anda rasakan saat ini. 

Belajarlah dari mereka mereka ini tentang kegagalan, bahkan mereka bukan menyebutnya sebagai kegagalan tetapi mereka menyebutnya keberhasilan yang saya tunda karenanya saya akan memampukan diri saya dengan bekerja keras, saya akan memampukan diri saya dengan berpikir keras

1. Akio morita

Namanya asing buat kita, karena tidak ada merk bernama morita, namun tahukah kamu bahwa beliau ini adalah pendiri sekaligus pemilik perusahaan terbesar SONY.

Produk pertama sony adalah penanank nasi atau rice cooker yang tidak dapat memasak nasi dengan baik, pada produksinya yang pertama ini sony hanya bisa menjual tidak lebih dari 100 buah rice cooker.

Kegagalan ini tidak menyurutkan langkah Akio Morita dan rekan rekan nya, tidak berhenti begitu saja. Dengan kegagalan itu mereka bangkit, ia bangkit dari kegagalan nya dan membangun perusahaan sebesar Sony sekarang, mereka telah menunjukkan kinerja mereka membangun perusahaan Raksasa.

2. Bill Gates

Pernah menggunakan komputer, pernah mengetik di komputer?

Bila pernah berarti anda pernah menggunakan produk perusahaannya. Bill Gate membangun sebuah perusahaan dengan miliaran Dolar, dengan modal garasi mobil rumahnya dijadikan tempat mereka memulai usahanya.

Bilgate di keluarkan dari universitas harvard karena kelakuannya menjebol komputer universitasnya. Dia kelihatan seperti orang yg tidak punya masa depan setelah dikeluarkan dari universitas tersebut, bersama rekan nya paul alen memulai sebuah usaha namun gagal.

Awal usahanya gagal, bill gate dan rekan nya mulai lagi usaha baru kemudia berhasil dan kemudian mendirikan sebuah perusahaan raksasa microsoft, yang produknya terjual seluruh dunia. Bill Gate bangkit dari keterpurukan nya dan menjadi kan microsoft perusahaan yang menghasilakn miliaran Dolar.

3. Harland David Sanders

Mungkin kalo disebutkan namanya, banyak diantara kita yang tidak mengetahui secara persis siapa dia, namun kita mengenalnya sebgai pemilik dan KFC (Kentucky  Fried Chiken) atau paling dikenal dengan panggilan kolonel sanders.

Ia berhasil di usia sangat senja dia berhasil di usia 60 tahunan.

Masa awal menjajakan resepnya tersebut, dia mengalami kesulitan mengenalkan produk ayam gorengnya. Resep rahasianya tersebut di tolak orang sebanyak 1009 kali penolakan.

Hampir saja dia menyerah dan berhenti melakukan nya,

Ia Bangkit dari terpuruk sampai akhirnya ada sebuah restoran yang mau menerima resep rahasianya itu. Sekarang KFC adalah waralaba terbesar didunia saat ini dan membuka cabang seluruh dunia.

4. Walt Disney

Hasil kreasi walt disney yang sering kita tonton hampir setiap hari sewaktu masih kecil, Donal bebek dan Micky si tikus.

Kesuksesan walt disney tidak diraihnya denan mudah, ia bahkan pernah di pecat oleh editor nya karena dianggap tidak memiliki daya imajinasi yang bagus dan tidak memiliki ide bagus.

Ia bahkan beberapa kali memulai usaha namun akhirnya gagal kembali. Ia memulai usahanya setelah menemukan karakter Micky Mouse yang fenomenal itu, dan mendirikan perusahaan hiburan terbesar didunia. Kebangkitan setelah gagal nya tersebut menghasilkan miliaran Dolar

Health care coverage, health benefits and medical insurance

Synonyms for this usage include "health coverage," "health care coverage" and "health benefits" and "medical insurance." In the 1970's most people who had health insurance had indemnity insurance. Consumer-directed health plans allow individuals and families to have greater control over their health care, including when and how they access care, what types of care they receive and how much they spend on health care services.

Consumer driven health care plans include Health Reimbursement Plans (HRAs), Flexible Spending Accounts (FSAs), high deductible health plans (HDHps), Archer Medical Savings Accounts (MSAs) and Health Savings Accounts (HSAs). WHAT IS A HEALTH SAVINGS ACCOUNT?

A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States. According to the U.S. Treasury Office, 'A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care.

HSA's enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.' Thus the Health Savings Account is an effort to increase the efficiency of the American health care system and to encourage people to be more responsible and prudent towards their health care needs. It falls in the category of consumer driven health care plans.

Origin of Health Savings Account
The following individuals are eligible to open a Health Savings Account -
- Those that are covered by a High Deductible Health Plan (HDHP).
- Those not covered by other health insurance plans. What is a High Deductible Health plan (HDHP)?

Enrollment in a High Deductible Health Plan (HDHP) is a necessary qualification for anyone wishing to open a Health Savings Account. A High Deductible Health Plan is a health insurance plan which has a certain deductible threshold. It does not cover first dollar medical expenses. Opening a Health Savings Account

However not all insurance companies offer HSAqualified health insurance plans so it is important to use insurance company that offers this type of qualified insurance plan. Contributions to the Health Savings Account
The individual must pay income tax on the excess withdrawn amount.
Contributions by the Employer
Withdrawals from the HSAs

Normally the money also cannot be used for paying medical insurance premiums. 

1. To pay for any health plan coverage while receiving federal or state unemployment benefits
2. COBRA continuation coverage after leaving employment with a company that offers health insurance coverage.
3. Qualified long-term care insurance. Growth of HSAs

In the Individual Market, 1.5 million people were covered by HSA/HDHPs purchased as on January 2008. Benefits of HSAs

This, it is believed, will reduce the growing cost of health care and increase the efficiency of the health care system in the United States. HSA-eligible plans typically provide enrollee decision support tools that include, to some extent, information on the cost of health care services and the quality of health care providers. Experts suggest that reliable information about the cost of particular health care services and the quality of specific health care providers would help enrollees become more actively engaged in making health care purchasing decisions. These tools may be provided by health insurance carriers to all health insurance plan enrollees, but are likely to be more important to enrollees of HSA-eligible plans who have a greater financial incentive to make informed decisions about the quality and costs of health care providers and services.

It is believed that lower premiums associated with HSAs/HDHPs will enable more people to enroll for medical insurance. No doubt higher deductibles are associated with HSA eligible HDHPs, but it is estimated that tax savings under HSAs and lower premiums will make them less expensive than other insurance plans. The earnings on savings in the HSA are also exempt from income tax. Health 

Savings Accounts are also advantageous for the employers. The benefits of choosing a health Savings Account over a traditional health insurance plan can directly affect the bottom line of an employer's benefit budget. For instance Health Savings Accounts are dependent on a high deductible insurance policy, which lowers the premiums of the employee's plan. Also all contributions to the Health Savings Account are pre-tax, thus lowering the gross payroll and reducing the amount of taxes the employer must pay.
Criticism of HSAs

The opponents of Health Savings Accounts contend that they would do more harm than good to America's health insurance system. According to the Commonwealth Fund, early experience with HAS eligible high-deductible health plans reveals low satisfaction, high out of- pocket costs, and cost-related access problems. Another survey conducted with the Employee Benefits Research Institute found that people enrolled in HSA-eligible high-deductible health plans were much less satisfied with many aspects of their health care than adults in more comprehensive plans People in these plans allocate substantial amounts of income to their health care, especially those who have poorer health or lower incomes. Congressman John Conyers, Jr. issued the following statement criticizing the HSAs "The President's health care plan is not about covering the uninsured, making health insurance affordable, or even driving down the cost of health care. A study titled "Health Savings Accounts and High Deductible Health Plans: Are They an Option for Low-Income Families? a) Premiums for HSA-qualified health plans may be lower than for traditional insurance, but these plans shift more of the financial risk to individuals and families through higher deductibles.
b) Premiums and out-of-pocket costs for HSA-qualified health plans would consume a substantial portion of a low-income family's budget.
c) People with chronic conditions, disabilities, and others with high cost medical needs may face even greater out-of-pocket costs under HSA-qualified health plans. 

d) Health savings accounts and high deductible plans are unlikely to substantially increase health insurance coverage among the uninsured.