Browse Month

February 2020

Accident Health Insurance

Accident Health Insurance

Accident Health Insurance

Accident Health Insurance – There are so many travelers every year and in many countries tourism is the mainstay of the economy. There are many people who have illnesses and still love traveling. When they travel to the U.S. whether on work or leisure, it is important to have visitor insurance handy.

Without insurance medical care costs can be too heavy to deal with. It is important to make sure that you have the proper documents in place in order to make sure that you do not end up paying more than you need to. When you look for insurance you must make sure you research enough to get the best possible deal while traveling.

Choose from providers

When looking for visitor insurance you must be able to choose from the many providers and pick out a reputed one. There are many different plans and payment options for travelers to choose from. When you are looking for insurance deals then make sure that you speak to the customer service representatives and make an informed decision.
When you do not know the right information you will end up buying the wrong policy and getting improper coverage which will lead to large losses later on. In every case it is better, to get coverage before traveling or buy it immediately after reaching.

Look for reasonable prices

When you talk to insurance companies for visitor insurance, you should know beforehand what the right deal is and what is reasonably priced. If you look through low cost options and compare prices online you will be able to get some really superb deals on your visitor health insurance.
When you want to find a deal where the perks are great also look for renewable insurance deals.

University insurance plans

There are a lot of different kinds of insurance deals available. Along with this there is also visitor insurance for various reasons according to the needs. Students who are part of an education abroad can select from options directly available through their university. Foreign nationals visiting for a vacation or personal reasons can also get their insurance documents and applications sorted out with ease online.

Types and benefits

There are a number of ways by which they can speed up the application. There are coverage plans which are comprehensive and have a slightly higher premium. They are excellent options and choices for people who are discerning customers. With so many choices available people are often at a loss to be able to decide immediately. There are superb deals available for immigrants as well based on the need of the hour.

A common cause of repossession in the US is an illness in the family.

  • Expenses normally go up with a disability
  • Income usually goes down with a disability
  • Hospitalization insurance seldom pays 100% of the expenses while you are sick or injured
  • Hospitalization insurance does not pay your loan payments while you are sick or injured
  • Workman’s Compensation only covers work-related injuries

When you purchase an Accident Health Insurance Policy…

In the event that you would become sick or injured, a fully-secured loan that includes accident health insurance means:

  • You do not have to be hospitalized to collect
  • Payments made on your behalf do not have to be repaid
  • Your policy becomes effective on the date of your loan
  • The cost is not rated according to age or occupation
  • There is no lump sum cash outlay. The premium is included in your monthly payment
  • Benefits are tailored to the amount financed. You are not paying for more insurance than you need.
  • There are no limits on the number of times that you can collect

Credit Life and Accident-Health Insurance endorses the philosophy that “no debt should outlive the debtor”.

Advantages to Leasing A Car

Advantages to Leasing A Car

Advantages to Leasing A Car

Advantages to Leasing A Car- As the cost of vehicles continues to escalate, we here at Finance-Auto have found a way to give you the monthly payment you desire and still drive the new vehicle of your choice. Lease it!

Advantages to Leasing

Lower Monthly Payments and Low Down Payment.

Payments on a lease are less expensive than financing because you are only paying for the depreciation, which is the difference between the price of the vehicle and the residual value.

  • Upside Down

Never have to worry about being upside down where the value of the vehicle is less than the amount owed.
Always have a payment

For most people, a car payment is like a house payment. You will always have one so why not be driving a new vehicle of your choice every 2-4 years

  • Asset sense

You should buy items that appreciate and lease items that depreciate. For example, most people would not be too excited about buying stock for $30,000 if thew knew that it would only be worth $15,000 in 4 years.

  • Low Risk

A bank or lease company is assuming the total risk of what the vehicle will be worth in the future

  • Flexibility

You do not give up the option of owning the vehicle, you just postpone it. This gives you time to make sure this is the vehicle for you. This makes great sense with advances in technology that have the potential to make your vehicle outdated

  • High Mileage

Drivers can benefit by applying for extra miles up front at a reduced price. The auto industry deducts 23 – 30 cents per mile over your mileage limit when trading in a leased vehicle

  • Win! Win!

In many instances, the residual value is comfortably high resulting in lower monthly payments. At the end of the lease, the lease company absorbs the loss

  • Warranty

The short-term lease leaves you covered under your factory warranty, allowing you to be worry-free about unexpected repair bills
Get a nicer vehicle

High residuals allow you to lease a $5,000 – $10,000 more expensive vehicle for about the same payment as financing

  • Tax Savings

In states with sales tax, you only pay tax on your monthly payment, not on the whole vehicle. And in some cases, the entire lease payment may be tax deductible. Consult your accountant for more information

Your Options at the end of your lease

  • Return it to the bank and pay only a small disposition fee
  • Sell the vehicle and keep any amount over the residual
  • Trade it in on a new vehicle
  • Buy the vehicle for the residual amount

Lease Terminology

  • Cap Cost
    the purchase price of the vehicle plus the acquisition fee
  • Acquisition Fee
    a fee charged by the lender for doing the lease
  • Cap Cost Reductions
    any trade equity, case or rebates used as a down payment to reduce the cost of the vehicle
  • Residual
    a predetermined estimate of the market value of a vehicle at the end of the lease term

Traveling Alone

Traveling Alone

Traveling Alone

Traveling Alone – You see, the basic and most important point that you have to remember is; we are in fact women. We may be beautiful and intelligent, but unfortunately are the prey of many predators. For example, you may have at some point of time or another faced problems of eve teasing. In other instances, you have either been pestered by men who want to get close or even some male relative of your family. To help you get the most out of a trip, here are quick tips compiled from the advice of women who have traveled alone.

Tips

Safety:

To start with, you should learn to be responsible for yourself. So learn some self-defense mechanism and make yourself ready for extreme conditions.

Packing Light:

You might be in love with your Gucci and Prada, but while traveling alone, make sure that you pack a bag, which you can lift. Asking for help with your luggage in some countries are a sure shot way of inviting thugs.

Laws and Regulations:

This tip is especially very important for women to travel to Islamic countries. Make yourself very thorough with the laws and rules, before you do something wrong and are locked in prison.

Alienating People:

Though this tip may not sound very inviting, take the cue and stop inviting strangers while traveling alone. Please remember that you are not in some movie, that you will meet someone through serendipity at an airport and get married that very night. Usually, chances are that you will be robbed and manhandled, if not worse.

Language:

It is no rocket science that different nations speak different languages. Try and learn some of it from a manual, the basics at least. Or else, hire an interpreter cum guide who can show you around.

Be careful about your personal Belongings:

Traveling alone may make your nervous and vulnerable, especially for first timers.. Keep your passport, extra money, and other important documents tucked well So be on the guard and make sure that you keep your belongings in an orderly fashion.

Attire:

It is said… when in Rome do as the Romans do. Make sure you dress properly and carry yourself with confidence. Wearing revealing clothes may put you in trouble. Wear simple, comfortable covered clothes so as to keep the predators away. A good thumb rule is to dress modestly.

FAQs

  1. What kind of dresses should I pack? Pack dresses, which are comfortable as well as befitting the location and the purpose.
  2. Should I keep medicines handy? Make sure that you have medicines handy, especially if you are suffering from some ailment or if you are on regular medication.
  3. Which is best cash or credit cards? To be fair, make sure that you have both in safe places so that the chances of being looted are less.

Smita’s Advice

Overall, I think that it best for women to travel in a very practical fashion, rather than being whimsical and suffering later on. The basics of traveling in any country are the same.
However, women should remember that wearing stilettos while traveling alone and having a bag that they can barely lift are no good.
How you present yourself can make the difference between a great time and an undesirable situation.

Health Insurance Protection

Health Insurance Protection

Health Insurance Protection

Health Insurance Protection – In the UK, there are three types of insurance that are commonly misunderstood by consumers: health insurance, income protection and critical illness cover. For insurance experts, these three products are very different. But for newbies to the insurance market, understanding the differences between them can be a minefield. Here, we distinguish between health insurance, income protection and critical illness cover to help people choose a protection policy that is right for them.

Critical Illness Cover

Critical illness cover is designed to pay a tax free lump sum on the diagnosis of a pre-defined serious illness. All critical illness policies should cover seven core conditions. Critical illness policies will not pay out for mild conditions. Critical illness will pay you a lump sum on diagnosis, and you can choose to use the money for whatever you need. Many people use it to pay off their mortgage if they cannot work through the illness, to pay for private therapeutic care or to make modifications to the home.

The premiums of critical illness cover vary depending on the size of the lump sum you want to receive, how many conditions you want to be covered for, and personal details like your health and your smoker status.

Advantages

  1. For single people with no dependents, critical illness cover that pays off the mortgage means you have fewer bills or a lump sum to play with if you are very unwell.
  2. You will be under no pressure to get back to work because you will be financially supported
  3. You can use your critical illness money for anything you like

Disadvantages

  1. Benefits are payable only to survivors, but some insurance companies will pay as long as you survive a critical illness for a minimum of 15 days.
  2. Once the money runs out, you will not be getting any more
  3. Critical illness cover will only pay out for predefined illnesses, even if you cannot work for another milder condition

Income Protection Insurance

  1. Income protection is a policy designed to replace part of your monthly income if you are unable to work through accident, sickness or unemployment. Rather than paying you a lump sum, income protection will give you a monthly income to live off.
  2. Short term policies will only pay out for a maximum of 12 months, but long term policies can pay out until retirement. The money that you get paid is usually a percentage of your gross salary, up to around 60%. The premiums of income protection will vary depending on your age, your smoking status and your medical history. Long term policies are usually more expensive than short term policies because they pay out for longer. A policy that pays out until retirement will cost more than a policy that pays out for five years.
  3. Before buying an income protection policy, check with your employer about other benefits you may be eligible for. If you choose an income protection policy that kicks in after these 28 days, your premiums will be lower.

Advantages

  1. Income protection will mean you don’t have to rely on your savings or state benefits if you cannot work through illness or accident
  2. Long term policies will pay out until retirement
  3. Some policies offer cover for involuntary unemployment, giving you a maximum of 12 months to find another job
  4. You can either use your money to pay for general lifestyle costs or to meet the costs of a specific debt- the policies are very flexible

Disadvantages

  1. Short term income protection will only pay out for 12 months, even if you have not returned to work in this time.
  2. Premiums can be high if you work in a dangerous occupation or if you have a complicated medical history.

Health Insurance

Health insurance will cover the costs of private treatment if you do not want to be treated on the NHS. With health insurance, you will skip the NHS waiting lists and be treated at a time of your choice. With a specialist of your choice at a hospital of your choice.

Like most insurance policies, the amount you pay in premiums will affect your level of cover. Cheap health insurance policies may only cover the cost of inpatient treatment in a private hospital, and will often not cover cancer treatment. Mid-range policies will usually meet the costs of inpatient and out-patient treatment. They may cover cancer treatment up to a certain annual limit. Comprehensive policies are the most expensive. But they will cover the cost of all private treatment, regardless of cost or treatment time.

Health insurance premiums will be affected by your age, your location and the type of policy you choose. You can lower the cost of health insurance premiums by adding an excess or not paying for hospitals you do not need to be covered for.

Advantages

  1. Health insurance lets you choose your treatment time, your private hospital and your specialist without waiting on the NHS
  2. You will stay in a private ensuite room with excellent facilities
  3. Some policies cover the costs of expensive drugs not available on the NHS

Disadvantages

  1. Some health insurance policies have limits which may mean you have to meet certain costs yourself if you exceed them
  2. Health insurance will not cover pre-existing conditions
  3. Health insurance does not cover treatment for chronic conditions

What type of policy do you need?

As you can see from the above, these three types of insurance are all very different, and there are advantages and disadvantages to all three. There are a number of instances where payments under one plan would not be allowed under the other.

All these policies will require you to disclose certain personal information. Whether that be your medical history, your occupation or your smoker status. The best way to determine what policy is right for you is to use an insurance comparison website or an insurance broker to gain helpful advice and important information.

Disadvantages

  1. Some health insurance policies have limits which may mean you have to meet certain costs yourself if you exceed them.
  2. Health insurance will not cover pre-existing conditions
  3. Health insurance does not cover treatment for chronic conditions

What type of policy do you need?

As you can see from the above. These three types of insurance are all very different and there are advantages and disadvantages to all three. There are a number of instances where payments under one plan would not be allowed under the other.

All these policies will require you to disclose certain personal information. The best way to determine what policy is right for you. Is to use an insurance comparison website or an insurance broker to gain helpful advice and important information.

Internet Home Based Business

Internet Home Based Business

Internet Home Based Business

Internet Home Based Business – Perhaps those that grew up with having to read computer screens have an innate ability to extract all the information from it naturally. I have found that those of us who fall under the “pre computer era” category often miss vital or obvious information on a screen due to the way we were taught to read. Quite often, when seeking help after hours of frustration the information you need was on the screen after all. Internet Home Based Business.

Luckily, being over 50, we have the ability to apply tried techniques successfully as we have been in many such situations in our careers before. To be successful in an internet business it is vital to be able to find the information you need quickly and also be able to help yourself when stuck. Here are 6 easy to apply techniques to extract the maximum information in the most productive time period possible from one screen of information and give you more options to help yourself when stuck.

1. Take it ALL in

In general, we read a printed page from top left to bottom right but looking at a web page we only really look at a “F” shaped area one third across a web page and about just over halfway down the left hand side. I have found over the years that the best way to ensure that you start off reading a screen correctly is to look at the middle section of the screen, then deliberately look up, down, left, right and just take the whole page in. No reading required at this stage. By doing this you give yourself a neutral starting point and your focus is not automatically directed to your normal reading style habits.

2. Systematic Scan

After a few minutes applying tip 1, start at the top left of your screen and by turning your head, scan the first block/line of information to the top right, even if it is your browser heading.
I found that turning my head forces my eyes to read right across the screen and understand what I read instead of just comprehending fully the information on the left.
The nice wide screens they have now makes this an even more important exercise. With time it will become your new way of looking at a screen, but for a while it will have to be a conscious activity.

3. Good things comes to those that… Hover

Perhaps well known by now, but underestimated as a very power full technique, is to simply place your cursor over anything unfamiliar and… wait.
Hovering on buttons, some text, tabs and titles, amongst others, will cause a pop-up box to appear with useful information. Some sites now even have almost half the article pop up to read instead of clicking through to the page and wasting time. Internet Home Based Business.

4. Right-Click is Your Friend

My favorite technique that never ceases to amaze me is the secrets revealed by the right-click action on your mouse.
Place your cursor on the area of interest (or frustration) and click the right side of your mouse. A whole new world of options, help and actions will appear.
This has been by far the most valuable way I have discovered many years back to get even more out of one screen of information and I have also learned a lot of new ways to become more productive using this technique.

5. A helping of HELP

If you followed tips one and two, you most probably rediscovered the Help section of the screen you are looking at.
This simple area on a screen can give you total control over solving your own problems and I made it my mission a few years back to always use the help section before asking for help.

It’s so easy to start on one screen and several screens later lose your initial focus completely following all the great links that makes the web such a rich source of information.
To keep focused on one screen but not lose any potential valuable information that will take you out to another screen, the following two techniques could be very useful:

  1. Right-click on an interesting link and choose the option on the menu that will open the link in another tab or even in another window. This way you can go back later to read the discovery and stay on the current screen.
  2. Open your word processor and when you come across some interesting information you want to keep track of, highlight the piece of information by keeping your left mouse key down and dragging it across the information.

6. Staying focused on one screen

It’s so easy to start on one screen and several screens later lose your initial focus completely following all the great links that makes the web such a rich source of information.
To keep focused on one screen but not lose any potential valuable information that will take you out to another screen, the following two techniques could be very useful:

  1. Right-click on an interesting link and choose the option on the menu that will open the link in another tab or even in another window. This way you can go back later to read the discovery and stay on the current screen.
  2. Open your word processor and when you come across some interesting information you want to keep track of highlight the piece of information by keeping your left mouse key down and dragging it across the information.