Are Medicare Supplements or Medicare Advantage Plans Better For You?

How To Choose The Better Medicare Health Plan For You

There are millions of US Medicare members. The government plan is essential to making sure that these senior citizens and disabled people can afford health services. Because these benefits are so important, it is very important to maximize them. Many of the beneficiaries choose to get more comprehensive coverage by signing up for a supplement or Advantage plan.

There are lots of choices on the market, and one of the biggest problems is find the best Medicare health plan for a particular person. You may wonder how, with all of the choices, you can make a good choice.

There is Not One Better Medicare Health Insurance Plan For Everybody

I am sorry, but I do not think it is fair to try and give everybody one simple answer. There are many individual factors that would influence your decision. You have to figure out your budget, lifestyle, current health status, and of course, the way you prefer to access health services.

You must also know that your choices will vary by your local area. You may not be able to choose the same health plan that your cousin is happy with if he lives in a different city or state. Even if you can sign up for the same plan, you may find it has a different price and different benefits!

So before you start figuring out which plan you should select, you have to understand what you want out of your coverage and how much you can budget for it. Find local plans next so you know what you can access in your city or town.

Is Medicare Advantage (MA) or a Medicare Supplement Better?

You also need to understand that MA plans are very different than supplements. A supplement works with original Medicare to cover deductibles and co-payments.. An MA plan will be used instead of the original plan. I would urge you to make sure you understand how these plans work so you can pick the best one for your own unique needs.

Also note that, all MA plans or supplements are not the same. They come with different coverage options, prices, and out of pocket costs. You may find some health plans that cover almost everything. Others require the member to pay deductibles and copayments.

Some plans also include some extra benefits, and these are called value added services. Even if they are not really part of your health coverage, they may be very valuable to you. Some of these included services can make a big difference. Examples are dental plans, rides to medical appointments, and health club memberships.

Of course, most seniors and disabled people are concerned about the price. Plans that cover services and provide the most flexibility may be very expensive. Lots of seniors and disabled people have to make do on a limited income, so they cannot afford the monthly premiums. Others may come with low, or even no additional premiums. Some of the MA plans even cut the amount that is taken out of social security for a Part B premium.

So you have to balance the price against the coverage. Some people would rather pay more every month for the security that other medical costs can be controlled. Others would rather pay less every month and handle out of pocket costs as they arise.

With so many choices, it may seem very hard to figure out which plan will be better.

One good way to find and compare your choices is to use an online quote system You can enter your basic details, which would include your zip code and age, and then research competitive quotes and plans from the comfort of your home or office.

What Is Put Option In Forex Options Trading?

Following our previous discussion on call option in forex options trading, now let's discuss about put option. In forex options contract, put option gives a right, but not an obligation, to a trader to sell a certain currency at a certain price within a certain time period.

When you have a nice view on a currency, let's say GBP/USD, you are 90% sure that GBP/USD will go south within the next 14 trading days, you can purchase a right to sell GBP/USD from someone who sells put option.

Here is an illustration to help you out grabbing the basic concept of put option in forex options trading:

Today, the value of pound sterling against US dollar is 1.5000. After you analyzed your chart thoroughly, you can view there is a good probability for GBP/USD to go downwards within 5 trading days. You then buy a put option at a certain strike price, let's say 1.4800 (200 pips below current price). Your broker sets the premium (option cost) price at 5 pips US dollar.

Afterward the market, as you have predicted, moves within a tight range for several days and in the fourth day after you bought a put option GBP/USD finally goes lower to 1.4700. Done! If you decide to exercise your put option at 1.4700, or at any price, then your trade in forex options trading is done.

On the above illustration you will bring home your profit 90 pips. This profit is gained from 1.4800 (the strike price you got) subtracted by 1.4700 (current price) and the result is again subtracted by 0.0010 (the premium). You can see that the calculation is so simple.

In other business sector you can also find out similar situation. For example, when you want to buy insurance for your car which its value is $10,000, the insurance company will ask for you a certain amount of premium, say $1,000 for 5 year all-risk insurance. When there is nothing happen to your car, you can't ask for the premium as it goes to the insurance company. But if something you don't expect happens to your car, you can have a new car for only $1,000. Have you got the idea?

Now you can have the basic concept of put option in forex options trading. Actually, the concept is the same as you can have in stock options trading. The difference is only the underlying asset.

Role of Nurse Liaison in Long Term Acute Care Facilities

Nurse liaisons within Long Term Acute Care Facilities (LTAC) act as advocates on behalf of patients. They are also considered to be troubleshooter ensuring smooth communication between health care providers, patients and their families. A Long Term Acute Care Facility is a freestanding setting for patients with chronic conditions needing specialized intensive care. Average length of stay is 25 to 30 days.

Specific roles and responsibilities include reviewing patient medical records to determine eligibility for admission, assisting patients and families through the admission process, serving as a conduit of information between case managers, physicians and others of the health care team, overseeing insurance certification, and provision of marketing services on behalf of the facility.

In the LTAC setting, nurse liaisons are expected to review and evaluate medical records to determine whether patients meet the criteria for admission as per Medicare guidelines, when appropriate. They are also responsible for ensuring that the patient is match with the right physician for their case. The assigned physician must have privileges at the facility. It is important to keep the physician privilege list updated on a regular basis.

Nurse Liaison's assist patients and families through the admission process by explaining the care and range of services available, as well as anticipated length of stay. You will also address any questions and concerns of the patient and/or family members.

Nurse liaisons need to maintain consistent communication between internal and external members of the health care team.Internal communication could be with the assigned case manager or physician while external communication could involve staff from the referring hospital.

Oftentimes, nurse liaisons also complete the certification process to ensure that patients have required insurance coverage. This will include making calls to the insurance company prior to admission and verifying coverage. IF the patient has coverage, you will then send all clinical information to the insurance company and receive a response within 24 to 48 hours. This process ensures that the facility is paid for its services.

Should any difficulties arise after a patient has been admitted, the nurse liaison will usually be asked to step in and mediate the conflict. This will usually include opening the lines of communication so that all parties are able to reach agreement. For example, there may be some discrepancy among family members with regard to DNR orders so that healthcare providers are uncertain what action should be taken. The nurse liaison will discuss the issue with family members, clearly articulating all the options. Once agreement is reached among family, the nurse liaison will then communicate that decision to the health care team. Issues should be resolved as quickly as possible in order for patients, family members and health care providers to reestablish rapport.

Marketing is a common responsibility of nurse liaisons. Marketing involves contacting health care providers outside the LTAC who may benefit from the facility's services. Contacts can include physicians, nurses, case managers, and social workers. To be effective you must become strongly knowledgeable with regard to facility services, such as wound care, use of ventilators, I.V. antibiotics, physical therapy, etc. In most cases this information is provided via an in-service seminar to providers and staff.

While the responsibility can be overwhelming at times, most nurse liaisons derive much professional satisfaction and reward from solving problems and assisting with the recover process.

Know More About Common Personal Injury Cases

Personal injury is considered one of the largest areas of civil law in United States. The legal paperwork can be filed by anyone, from individuals or insurance companies to large corporations. Until today, many Americans still do not know their rights clearly and in their point of view, filing this type of claim is complicated. In order to save cost, they refuse to hire attorneys to assist them. Due to all these reasons, most of the personal injuries are not found in the courtroom. They are settled by arbitration. Those parties involved normally sit down and negotiate so that they can reach a settlement which is acceptable by everyone.

To be frank, the legal issues are not complex. To sue the responsible parties is not hard. The victims of personal injury cases can be compensated easily. The only thing the victims need to watch out is the time factor as there is statute of limitations for filing claims. If a personal injury claim is not filed in time, the affected individual will lose his or her right to sue.

Let's learn more about this particular claim.

Almost any type of injury can be considered a personal injury, no matter how minor it is. You can file a claim if you have legal ground to seek for compensation. For instance, if a person slips on wet floor and breaks his or her arm. He or she has lost the ability to work for a certain period of time and no income is gained. In this situation, the victim has strong legal ground to seek for compensation from the responsible party. On the other hand, if he or she doesn't have any problem to work as usual, he or she will not be able to file a claim.

In general, the most common cases are those brought against insurance companies. In these cases, the insurance companies are not held at fault for initial injury. They are being sued due to their delay or slow response to the injured individuals. Many companies take their sweet time to process the claims. The claims are generally brought against the injured individuals' insurers. In some cases, the personal injury claims are brought against the property owners or landlords. The main purpose of filing the claims is to seek monetary compensation to cover loss of wages, medical expenses as well as the future cost for rehabilitation.

You need to keep in mind that the personal injury in the eyes of law is different from what a doctor or physician might think. If you are still uncertain, getting a qualified attorney to assist you is a must when you need to file a claim. You should face the legal procedures with full courage and patience. Don't treat personal injury as small matter because it can be your long term financial burden if you don't get sufficient compensation. Hire a good attorney in order to make sure that all your rights are well protected.

The Benefits of Installing a Car Alarm

The benefits of car alarms

There are many benefits to having your car fitted with a high quality vehicle security alarm. It is a safe and protective method of reducing the risk of you or your family being the victim of car theft and vandalism.

Protect your car against theft:

Vehicle alarms are available to help protect your vehicle from not only theft, but vandalism. The location in which you may park your car may not always be the safest place, so to reduce the risk of your vehicle being damaged or stolen it is recommended that you get your car fitted with an alarm system.

An effective deterrent against thieves and vandals:

Another great benefit of car alarms is that it works as a deterrent against thieves, all high quality alarm systems should be fitted with a flashing LED and emitting a high volume sound when the security of the vehicle has been breached. The aim of the sound is to frighten away potential intruders by bringing attention to the car that they are targeting.

The noise is not the only deterrent. The flashing LED light will also works to protect your vehicle by making any potential thieves aware of the car alarm being fitted to the vehicle.

Save Money on Insurance:

A quality alarm system can help you save money on your insurance. By installing your car with a car alarm, you are actively showing the insurance company that you have a higher than average insurable interest in your property. Car alarms are viewed as adding an extra layer of security and protection to your car.

"What If I Die Without A Business Partner?" - Ensuring Continuity

The unilateral buy/sell agreement, also known as the One Way Buy/Sell Agreement, is often used by business owners who want to sell in the event of their death and/or retirement but do not have a co-owner or partner to buy their interest.
If you are in this situation, here is the basic process. The following are steps to ensure your business continues after your death:

• You identify a potential purchaser interested in, and able to take over your business.
• You enter into a unilateral agreement with the buyer to buy your business in the event of your death.
• The buyer purchases life insurance on your life.
• At your death the life insurance is paid to the buyer.
• Your business interest passes to your heirs.
• The buyer purchases your interest from your heirs with the life insurance proceeds.

This arrangement fixes a value for your business. The value can be determined several ways: a price that both you and the buyer agree on; book value at date of death; or a predetermined formula.

There are several advantages to this arrangement:

1. Your family is guaranteed a certain amount of money upon your death for your business interest.
2. Your employees know that the business will continue even if you do not.
3. Your creditors and vendors will know that there is a continuity plan in place.
4. The purchaser might very well be a key employee and is now going to stay with you for the long run.

There are considerations that must also be addressed:

1. If the buyer is a child active in the business, inactive children may feel that they did not get their share of the business when you died. Explore with your Blueprints For Advisor® and attorney ways to equalize the estate for all of your children involved.
2. When it comes to buying the life insurance on your life you might actually find yourself paying the premium for the buyer. This could conceivably be designed as a bonus arrangement.
3. The situation where a lifetime sale occurs if you do not die must also be addressed. You will likely need to structure an installment sale with the buyer.

We tell our business owners on a regular basis that a properly designed exit/contingency plan is of the utmost importance. Don't wait! Effective planning ensures that your hard work will benefit your family/heirs. They deserve to see the fruit of your labors.

How Network Marketing Home Business Gains Advantage in New Technology

Isn't it about time that the network marketing home-based business model with its people skills finally took advantage of the growing internet marketplace and distribution channels? What a question! What an answer to build independent fortunes, if done right.

Networkers already understand at a personal level the impact of the current recession and possible future years of economic uncertainty.They even probably agree that the greatest transfer of wealth is moving from a Manufacturing Industrial Economy to a Technological Information Age Global Economy.

On one hand, network marketing as a home business has evolved for 60 years offering cutting-edge research and manufacturing of products and services which was the basis for residual money for families. Now, on the other hand, the evolution of network marketing has finally merged with high tech. This internet click revolution will transform the future for those entrepreneurs who "get it" and it is already doing that.

This new opportunity is currently on rare ground floor. Imagine starting out with Microsoft or Dell computers.Welcome to the brilliant home business of the future called My Shopping Genie.

Just a few details under main topics should be reason enough to check this company out and take it for a test drive.

1. Online Shopping is a 204 BILLION Dollar Industry (last year) and GROWING. Sixty four percent of shoppers compare prices online before buying. Online shopping is increasing by 10% annually.
2. My Genie is the only business that rides on top of all the major search engines like Google, Yahoo, MSN and Bing. GOOGLE PAY-PER-CLICK earned 23 billion dollars. Wouldn't you love to get a piece of that pie? How big a piece is up to you.
3. My Genie has been going for 3 years now, launched as a 2 stage affiliate program before moving to a much more powerful Direct Sales Opportunity commissions plan in late 2009. At of end of 2010, there were 1.8 million installations and 50,000 distributors worldwide.
4. On the Alexa Web Traffic Ranking System, My Genie has passed Amway, Melaleuca, Pre-Paid Legal Services, USANA, Mary Kay, NuSkin, MonaVie and Tupperware, and is second now only to Avon.

1. Online shoppers save money by getting the best bargains on the Internet in the least time. Reports show that the average person using My Shopping Genie saves hundreds of dollars monthly, and some over a thousand, plus they save hours of searching for the best deal. They can find great deals at over 200,000+ stores, liquidators and product manufacturers, including over 1,000,000 coupons and special offers.
2. Personal savings made real. Think about what your next purchase might be in whatever industry. How much would you think to pay and how much would you like to save? Now with My Shopping Genie you can find the lowest prices in real time to see how much you could save.

Imagine you do not need to pay full price ever again...whether you're buying movies, music, automotive, food, beverage, weddings, interior designers, jeans, boats, golf, other sports, holiday resorts, medicine, prescriptions, iPhone, clothes, lingerie, holiday shopping, flat screen TV, pizza, washing machines, dryers, VCR, DVD, CD, video games, travel, wine, iTunes, computers, and even insurance agencies like health insurance, life insurance, and car insurance.

Every day can be a Black Friday or a Cyber Monday. Simply put, you are throwing money away without My Shopping Genie. Now that you know, why not save a dollar and earn a dollar?

1. An amazing feature is that you don't have to sell anything. As a distributor, you only GIVE AWAY the free App to consumers. There's ZERO buying resistance because the customer never has to pay for it.
2. An unique feature combines affiliate marketing with network marketing. You can earn affiliate income for purchases made through some retailers like Amazon, Clickbank, and DigiDown.
3. It is the only business that pays pay-per-click income. You get paid by the sellers when people click and search, even if they don't buy. The average person searches 88 times per month. The average Genie returns approximately $3 per month in click income. In fact, some distributors can make a full time income on their first level. Just imagine anyone with a computer who shops online can make you money whether they buy anything or not.
4. You can get a lifetime license for $199 and a low $29 monthly subscription fee. You also receive 2 websites, flyers, banner ads, training, and customer support. The entire business is digital and internet based, so there is no inventory or shipping costs, and it is quickly expanding internationally.

HOW TO GROW HOME BUSINESS INCOME When people use the Genie you will earn income in at least 9 ways. Here are four ways.

1. Pay per click. Many of these online outlets will pay you on a per click basis when someone uses the application. Simply put, the more people you sign-up for their free Shopping Genie, the more income that you will earn.
2. Affiliate Income. Many large online retailers such as Amazon, ClickBank, and eBay have affiliate programs where you can earn money for each sale that you make using the Genie software.
3. Placement Income. When you sign 2 people up as distributors for My Shopping Genie, you will get paid $100. If you become a distributor today and sign up 10 people tomorrow, you will earn $500 for example.
4. Residual Income with Binary Team Commissions. You earn money in multiples of 2 in terms of team sales, matching bonuses and overrides with pay-per-click incomes earned by personally enrolled Genie users. It is a no-flush system. For more specific details, request site and videos.

1. My Shopping Genie provides free advertising for small business owners on the front page of every major search engine. For example, let's say a Deli Shop owner gives away the free App to his customers, and whenever they search the internet, his business logo appears on the top of Google search. The Deli business then gets paid whenever it gets exposure versus paying for impressions. This is self-branding at its best and My Genie will even create coupons to give to your customers with your Genie link.
2. This unique concept also helps FUND RAISING. Non-profits such as schools, churches and Chambers of Commerce are also attracted to My Shopping Genie because there is no selling and there is no out of pocket expenses for contributors. For example, if a school team wants to earn money, they can encourage the public to download a free Shopping Genie and the team receives Pay-Per-Click income.

The BOTTOM LINE is this...imagine that anybody with a computer can make you money.

In fact, even if you don't want anything to do with the business, don't let this stop you from saving money. Request your personal DEMO and download the Genie today so you can enjoy the savings.

However, for those people who are serious about more income and financial security, the best news is the simple 3 Steps Marketing Plan that has grown a team of 14,000 distributors plus.

1. Listen to 7 minutes overview 512 404 1270 option #4

2. Register and watch webinar...request link

3. Download My Shopping Genie App and test-drive for yourself how much money you can save.

The final word is that you can be independently financially set or dependent on others. Rich is better. When a home business opportunity is so clear and simple, it makes no sense to let it pass without even trying. Request your special videos to make an informed decision. Our team of professional networkers is standing by to help you every step of the way.

How FHA Loans Help You Buy A House

Federal Housing Administration (FHA) has been a homebuyer's favorite since it was created by the Department of Housing and Urban Development. It was started with the purpose of helping first time buyers. FHA does not provide loans; it insures loans given by any private lenders. It helps the buyers, especially low income buyers, in buying affordable houses.

Contrary to the conventional mortgage companies which often ask for 20% of the purchase price as down payment, FHA requires only 3.5% as down payment, which includes the processing fee of the loan. If you wish to know the amount of mortgage credit you are eligible for, go through the HUD website and check your credit limit. If the price of the house that you are planning to buy is within this limit, FHA can insure the loan.

Additionally, lending institutions generally will not give you a loan for repairing the house that you are buying. Under FHA rules, repairing and restructuring of the house may also be financed. Amounts provided for repair is put in escrow account so that it can be used as per the requirement.

Another popular benefit of FHA is the reverse mortgage. A citizen above 62 years of age without any major source of income other than social security can do a reverse mortgage his house through the FHA if he has clear title. The citizen can stay in the house and get money during his lifetime to pay his medical bills etc. He would not be required to repay the loan as long as he stays there.

It is wise to make house energy efficient. FHA helps home owners in adding energy efficient features to the house. In this case too, a borrower needs a 3.5% down payment upfront and gets the rest 96.5% financed by a mortgage company.

Mobile or manufactured homes are increasingly popular. In a state like Florida, one third of the houses are mobile homes as the cost of living has made it more desirable. FHA loans are available to people who own the land to place their mobile homes on, or those who will place their mobile homes in mobile home parks.

A person may be eligible for an FHA insured loan even if he has a bad credit history or is in financial problems. It can also help an individual in buying a house after a discharge from bankruptcy. The FHA rates are most competitive and the mortgage terms are usually as straightforward as any basic mortgage, although there is always extra paperwork which must be signed at closing.

FHA insured loans are available to everyone, however, they are primarily used by the first time house buyers, buyers in lower and middle income groups and the buyers with poor credit ratings. The only drawback is the extensive paperwork that you have to do. For that, you might need to consult a real estate attorney to understand the terms and conditions properly before you buy the desired house.

* This article does not constitute legal advice and does not establish an attorney-client relationship.

Infertility Centers - 7 Tips On How To Find One That Can Help You Get Pregnant

Infertility Centers are a great option if you have been diligently trying to get pregnant without much luck. As you can imagine, working hard to have a baby at this stage can be an emotional and expensive experience. In order to help you, here is a brief list of what to look for if you decide to move down this path to conception.

1. Do Some Online Research. Get a clear picture in your head of what the perfect Center will be for you. This will help you get a good feeling in your "gut" when you have found the right Center.

2. Check Insurance Coverage. Infertility treatments can be expensive. Many insurance plans exclude a major portion of coverage for infertility. It is important to seek out a clinic that is very knowledgeable of insurance coverage and has a staff that is well trained in collection procedures. This will assure that you receive maximum coverage for your available insurance.

3. Analyze Technology. Make sure the Center is using advanced technology that has a proven success rate. Implanting embryos can fairly easy but in 10% of the cases targeting the placement of the embryos can be quite challenging due to the shape and size of the uterus. Find out what type of ultrasound is being used. Four-dimensional is state of the art ultrasound that can generate 3-D images in real time. Studies show that this technology does slightly increase pregnancy rates.

4. Make sure the clinic is well-staffed. The Infertility Center should be staffed with Reproductive Endocrinologists, Embryologists, Sonagraphers and Nurses. Pay close attention to the Lab Staff. These are the people that handle your eggs, sperm and embryos. You need to be as assured of their capabilities as you are of the physicians.

5. Analyze the Infertility Center's Track Record. Many Centers tout great records of success. Be sure to compare their success with other Centers you are researching. Most importantly, be sure the Doctors and lab staff, that were responsible for the results, still work there. You also want to be sure that their track record is a good representation of patients in your age group. Results can be skewed favorably if the Center's patients are primarily in their 20s versus a clinic whose patients are primarily in their late 30s early 40s. As you review the track record, make sure that the Center is qualified to treat your specific diagnosis of infertility.

6. Know the Center's rate of multiple births. It may be a good idea to stay away from Centers that have a high rate of twins or triplets. These Centers may show high success rates but they may also be implanting more embryos per patient than suggested guidelines. Not only can this produce a high rate of multiple births, but it can also lead to complications for both mother and child.

7. Compare Costs. Costs for In Vitro Fertilization (IVF) can be as high as $35,000 per attempt but it has become a very competitive market and prices do vary. Be sure to get a written estimate of all costs including medicines, testing and special circumstances.

There have been many advancements in IVF and Infertility Centers are becoming quite popular. Following these tips should help you find a great Center that is right for you. It will be well worth the time and effort you put in as you work toward your goal of getting pregnant.

LIC Pension Plans

LIC pension plans are planned to offer individuals with regular income during their old age. Pension also known as retirement plans are particularly for the people who are willing to make their old age financially secure. There are various pension plans that the Life Insurance Corporation of India offers individuals to help them choose the most apt one depending on their current financial situation. These policies are planned not only to give financial security to the individuals but also their families and relatives.

The main objective behind LIC of India to initiate these pension plans is to provide standard earnings to people after their retirement from job. Pension plans are different from life insurance plans and are taken to cover the jeopardy during unfortunate occasions.

There are 5 main LIC plans that are active presently. The details of these plans are listed below:

Pension plus

Pension plus is a unique pension plan where an individual taking this plan can take out one-third of the corpus from the lump sum amount. The rest of the two-third amount will be paid either monthly or half-yearly after maturity as per the holders wish.

This policy is available in two forms; debt fund and mixed fund.

A certain minimum interest rate of 3.5% p.a. shall be accredited to the ceased Policy Fund comprised by the fund worth of all ceased policies. This Fund will be paid a minimum interest rate of 3.5% p.a. from the day of discontinuance of the policy to the day of conclusion of 5 years from the initiation of the policy. In case of death of the policy holder, the interest will accumulate from the day of suspension of the policy to the date of booking of legal responsibility.

The minimum age required for an individual to undertake this plan is to 18 and the maximum age is 75 years. The minimum maturity period is 10 years.

Jeevan Nidhi

Jeevan Nidhi is a profits deferred annuity plan. Under this pension plan, the policy holder needs to pay premiums over the entire term plan. In this scheme, the earlier an individual this plan, the more corpus will he receive on retirement. The USP of the pension plan start at the age of forty years. The holder will also receive a certain addition of 5 per cent of the sum assured over the first five policy years.

On maturity, he can alter one-third of the whole corpus including the sum guaranteed, the guaranteed additions, the bonuses affirmed and a terminal bonus, if any and can buy a pension with the left over amount.

If the policyholder expires at some stage in the term of the scheme, the beneficiary will be given the amount guaranteed and the accrued guaranteed additions and bonuses. The beneficiary also has the alternative of buying a pension with this amount.

There are 5 annuity options in action presently:

•Annuity for the whole life;

•Annuity for a set time phase of 5, 10, 15 or 20 years and for life after that;

•Annuity for whole life with return of purchase cost to the beneficiary;

•Annuity for whole life rising at 3 per cent per annum and

•Annuity for life with stipulation of 50 per cent of annuity to the spouse of the policy holder, after his death.

Jeevan Akshay VI

LIC's Jeevan Akshay- VI is a pension plan for people who are currently in their retirement age and have no pension. This is planned for immediate purchase by people.

LIC will pay the policy holders a consistent payment at standard time periods starting right away after the holder pays a lump sum premium towards the cost of the policy. The annuitant can accept the payment as per his wish either monthly, quarterly, half-yearly or yearly.

One has to submit standard age proof at the time of entry. He will have to choose the preference at the beginning of the plan.

Investors can choose from any of the 5 options:

•Annuity payable for life

•Annuity payable for life with guaranteed period of 5, 10, 15 or 20 years

•Life annuity with a return of purchase price

•Life annuity increasing at a fixed rate

•Joint life and last survivor annuity

Minimum age to avail this policy is 40 years and maximum age is 79 years. Minimum buy price is more than 50,000 and a sum that earns a sure minimum annuity for every choice

New Jeevan Dhara 1

New Jeevan Dhara 1 is a pension plan specially planned for professionals who want to take on a pension plan and secure their financial condition after retirement. This scheme allows the individual to make arrangement for regular income after retirement. The person can select on how he wants to pay the premiums either yearly, half-yearly, quarterly, monthly or through Salary deduction. The premium will be paid in one lump sum.

Policyholder can put in a term declaration rider by giving an extra payment. By the asset of this rider, in case of death of the policyholder at some stage in the deferment stage, amount assured chosen under term assurance, rider will be paid. Bonus is also payable under the policy.

For this policy, the minimum age at entry is 18 years while the maximum age at entry is 65 years.

New Jeevan Suraksha 1

New Jeevan Suraksha-I is an inimitable pension plan planned to offer pension from a selected retirement date. The scheme can be taken over by any person who desire to get pension after retirement. Under this plan, an individual has to pay single payment or regular payment over the suspension period to secure a pension initiating at an upcoming date. Policyholder has the choice to pay a single premium or regular premium either annually, half yearly, quarter or monthly.

Policyholder can put in a term declaration rider by giving an extra payment. By the asset of this rider, in case of death of the policyholder at some stage in the deferment stage, amount assured chosen under term assurance, rider will be paid. Bonus is also payable under the policy.

The minimum age at entry for this policy is 18 years, whereas the maximum age at entry is 65 years.

What Should I Do If I Have Been Involved In A Car Accident?

Your first concern should be your health and safety. You should always wear a safety belt. If you have the misfortune of being injured in a motor vehicle accident, you should seek medical attention immediately. Indeed, if you or anyone is injured in an accident, steps should be taken to summon the police to the accident scene so that first aid or emergency treatment can be rendered.

It is also important to obtain information concerning the other parties involved in the motor vehicle accident as well as obtain the facts concerning how the incident occurred. You should keep a pencil and note pad in your glove compartment for this purpose. At a minimum, the information you should obtain includes:

• the identity, including name, address, telephone number, social security number or driver's license information of all involved parties, operators or witnesses;

• the registration and motor vehicle license plate number of each vehicle involved, as well as descriptive information such as make, model and year of the vehicles;

• the automobile insurance carrier of each motor vehicle involved (not the insurance agent);

• the date, time, weather conditions and location of the accident, including reference to stop signs, traffic lights and intersections;

• a pictorial description of the accident scene with directions of travel of all involved vehicles is most helpful.

You must report the accident to your automobile insurance carrier and agent as soon as possible. This should certainly be done within one (1) business day of the incident. In most cases it is sensible to file a report of the accident with the police department of the town in which the incident occurred.

Finding Car Credit Even With A Bad Credit History

You might be despairing that you will not be able to buy a new car because your previous credit history is poor and no credit companies will touch you. However, this is not necessarily the case. Even with a bad credit history there is probably someone in the bad credit market that is willing to lend you the money that you need to buy a new car.

But bad credit car finance is not just a matter of walking down to a local car sales room, finding a car and asking for credit. These lenders might typically deal with most credit histories, but if you have a bad credit history you might suffer the embarrassment of being turned away.

So a little preparation is needed if your history is poor. Whether you have been out of the country and just not built up a good rating, or whether you have had problems in the past that have meant that you have not kept up repayments, you need to think before you charge into a loan.

Take a look around at some of the specialist lenders that are operating in the market and find which are happy to extend you an offer of a loan. Hopefully, you should find a few suitable lenders that are going to be happy to deal with you.

Ask them for example quotes on various priced cars that you are thinking of and see which of the lenders offers you the best priced loan. Do not just look at the monthly cost that each lender is proposing, look at the extras (gap insurance, PPI and so on) and the length of the loan and see what the total cost of the loan will be.

Also, check carefully any extras that you are offered such as GAP insurance and Payment Protection Insurance. Look at them to see if they are optional of mandatory and check through the small print carefully to make sure that you are covered and this cover is sufficient enough.

There is no point paying out for, for example, PPI if you are not eligible because of you employment status, or because the GAP insurance only offers to cover your car's value up to a certain book value and with the cost of the repayments your total debt could be a lot more.

Having a bad credit history is not the end of the possibility of buying a car on credit, you just need to take the time and effort to shop around between the bad credit lenders and make sure that you get the best possible deal.

Free Back Brace - This Really Possible - Finding A Professional Brace Provider Near You Matters

Do you currently have a back problem?

1.) Back Problems & The Benefits of Back Braces

There are several different reasons why you can unfortunately suffer from back pain. Many, if not all back problems can benefit from the use of a quality made support. Why? - Well many times patients will tell us that the pain they are suffering from reduces very quickly when they have their support on. Moreover, when you use the correct back support for your needs, you will be helping to promote healing of an injury spine, ligaments or surrounding musculature.

2.) The Key To Getting A Free Back Brace

It all comes down to working with a licensed brace provider that can submit insurance claims on your behalf. You will need to bring in an ID and your health insurance card to your visit with your brace provider (otherwise known as an "orthotist"). Once you are at their office, you will also need a prescription from your physician that shows why you need the back brace.

After processing your information, your insurance provider will give a "quote of benefits" to the orthotist, or the orthotists billing department. It basically all comes down to the deductible that you have chosen for your health insurance and whether they cover back braces. - Many times a back brace can be covered at 100 %. This is not a joke. - Other times, a support can be mostly covered and you will not have to pay full price at all for the brace.

3.) Working With A Brace Provider In Your Area

A licensed orthotist is the best person to see regarding your brace needs. These individuals have studied bracing and have proven they know how to effectively provide braces for their patient's needs. A licensed orthotist needs to pass exams and also stay up to date with continuing education in order to keep their credentials.

When it comes to getting the best brace for your needs, it is important to work with a specialist. Or, would you prefer to go to just anyone that sells braces? - There is a huge difference and your back will benefit from seeing a professional in the field of orthotics for your bracing needs.

Note: This is health information. Medical advice should be given to you from your doctor and local, licensed orthotist. The doctor and orthotist will work together and develop an optimal treatment plan regarding your bracing needs.

How a Solicitor Can Help You in No Win No Fee Compensation Claims?

'No Win No Fee' is a term generally used in British Language to describe the Conditional Fee Agreement between a law firm and their client. Under this agreement, lawyers are allowed to take a case further if their clients have lost previously. In such a case, the client will not have to pay any extra amount for further defense and still be accountable for the defendants cost if the case is lost. If lawyers win such a case then they are entitled to their standard fee plus uplift extra referred to as a success fee.

The No win no fee structure was announced in the UK in 1995. These days, several personal injury cases use this procedure. Medical negligence is misconduct or carelessness by doctors or other hospital staff while a person is undergoing a treatment, leading to personal injury or death is some cases. Clinical negligence leading to personal injury is violating the standards that medical professional are expected to maintain. While facing physical injury due to medical negligence, one could take advice from websites especially built for this purpose. These sites advise you throughout the compensation process. They keep you updated of the rights that you are entitled to. You could also gain all the necessary information regarding the No win no fee structure. Personal injury compensation claims can be further made using this structure.

Moreover, in the UK, the success fee cannot be more than 100 percent of the lawyer's regular fee. Again, if the client wins the case, either the Court or the losing party will pay for the damages.

Besides, to protect clients from any sort adverse cost order, a solicitor can buy the ATE (After the Event Insurance) that is used to describe the type of funding document which is generally taken by lawyers on behalf of their client. Such documentation is generally done at the outset of a claim, during the CFA (Conditional Fee Agreement), whereas ATE is basically designed to protect the client from the risk of legal costing and disbursements. The solicitor can decide whether to advise Client for ATE Insurance or not. Beyond this, there are three other alternatives to ATE for backing an individual injury claim - Legal Expenses Insurance (LEI), often referred to as Before the Event (BTE) Insurance, Legal Aid and Paying for own Legal costs.

Medical negligence that has turned into personal injury could be a difficult phase in your life and the compensation offered could help you further. Those facing a similar situation could reap the benefits of the No Win No Fee structure.

Can You Save Money While Renting?

When you think about renting the thought that it can end up saving you money is a strange concept. Many people would rather own than simply rent a property. This is usually because most people feel that if you have to pay a monthly bill on a property that you do not own, then it is like flushing money down the toilet. The truth is this is not always the case. There are definitely a number of pluses to owning your own home, such as building up your equity, and of course beginning to pay down your loan. Although, for some, renting an apartment can actually help them save money.

When you spend your money on your monthly rent as well as bills for electricity, plumbing etc. you will be wasting money that could have been spent on your new home. Although if you purchase a home now you will probably have to do a thirty year mortgage, which means you will have to pay large amounts of money in interest over the years. This is especially true on thirty year mortgages, or mortgages with high interest rates. The amount of money you will be able to save every year while renting may help you to reconsider renting.

The concept of renting a small apartment so that in the future you can eventually save up to buy a bigger house is not exactly a new idea, but not a lot of people are willing to make the sacrifice. If you are willing to get an apartment that is very small it may help you to save up for your house that much quicker.

The square foot of the apartment you plan to stay in is how your rent will be calculated. If you have chosen the area you plan to find a rental establishment, then the cost per square foot should be the same for each place or very close. So now you can definitely save money when buying smaller. If a small apartment is all right with you, then you can put together money for your future house rather than paying for a larger apartment.

Your monthly rent will not be the only expense you will have. You also have to pay your bills as well as food costs and entertainment costs such as renting movies. Food costs add up quickly especially for those eating out frequently. Most, if not all, apartments come with a complete kitchen so you should try to cook at home to save money. Renting movies can be a great release for you to enjoy, but be wary of the costs associated with renting videos. You may find you can save money on renting by signing up for a mail-order video service. A mail-order video service is also a great way to avoid late fees.

If you plan on buying new furniture and new items to decorate your apartment, it will be hard to put money aside for your future home. Organizing your monthly costs and expenses can help you to stay on track. There are a number of ways to cut down on your total monthly living costs such as canceling or downgrading cell phones and prescription plans. Cell phone charges can really add up and you can receive extensive charges for going over your minutes. Insurance plans can also be adjusted to find the lowest price plan available to you. The typical solution to saving money with your insurance plan is to combine your renters insurance and your car insurance with the same company. Most companies will offer a price reduction for those who want to combine their services. Even canceling or adjusting some of these things could save you a lot of money in the long run, and get you that much closer to owning your own home.

Ebook ISBN Bar Codes, Titles and Legals - What Every Ebook Author Needs to Know Before They Publish


There's a lot of confusion about ISBNs and ebooks. Every PRINT book that's sold in a shop and/or stored in a public library HAS to have an ISBN number and bar code. ISBN stands for the International Standard Book Number. The ISBN registration agency run by Nielsen reaches out to over 100 countries around the world. If you want to give your book a code identity you can purchase your own ISBN from Nielsen in the UK or, for the USA and the rest of the world, from their international site. But you have to buy them in batches of 10 which costs £111.86/$163.00. The good news is ebooks don't need them. There are advantages, but you don't have to have one. If you publish with an epublishing site, some of them allocate a free ISBN which will list that company as the book's publisher. You don't need to worry about this, you still hold all the copyright and are free to register the book with other epublishers. The only restriction is that some sites have a pricing policy. Amazon Kindle, for example, says that your list price mustn't be greater than the lowest retail price for any physical edition of your book. If you do decide to assign an ISBN to your ebook, you must be aware that each different version (ePub, Kindle, PDF etc) will require a different ISBN. If you are republishing a book of yours that has already been published in print (and assuming, of course, that the rights have reverted to you), DON'T use the print ISBN number.


When my current agent was considering whether to take on my latest novel or not, her main concern was the title. It wasn't until I'd suggested 5 or 6 titles (out of a shortlist of dozens) that I hit on one which she thought was good enough and she signed me up. If I hadn't come up with a great title I wouldn't have been taken on. Period.

I even had an agent contact me once who'd been given a title by an editor at one of the major publishing houses. She was looking for an author to write the book to fit it. That's how important an ebook title is. If you want to sell your ebook to the widest audience possible, give it a lot of thought. Look at other books in your market area. See if there are any memorable sentences that stand out in your text (some phrase titles, like Does My Bum Look Big In This? enter the language). Ask the opinions of those around you but don't drive them crazy. Invite a group of friends round for wine and food and a one-off brainstorming session. If you belong to a writing group, give one of your reading slots up to a title search. That's how I got mine.

Here's a list of book titles taken from literature:


If you've written a novel, you'll need to insert the all persons are fictitious disclaimer. If you have included people you know, even if it's just their name as an in joke, email them to ask their permission first. Even if it's your best friend, closest relative and it's the most flattering portrait in the world, situations do change.

If you've written a non-fiction book, the easiest way to see if you've covered every angle in the disclaimers section is go to a bookshop or library, find a title that covers a similar area and see what their publishers have written at the front. Not to copy direct but to get a good idea of what you need to write. My first ebook, Done & Dusted - The Organic Home on a Budget, has lots of advice on cleaning and stain removal so I had to make it clear that I would not be liable for any damage or loss resulting from anybody following the advice in the book. I was once asked by a newspaper reader of my column if they could tell me if they had a legal case against a chair manufacturer after they'd spilled something on the cover which wouldn't come out. I refused to answer the question or they might have shifted their legal claim over to me. Some people are just extremely litigious and authors and self-publishers can't be too careful in covering themselves.

If the contents of your ebook are controversial in any way and you're getting sleepless nights about whether you should publish or not, there is professional liability insurance but it's not cheap. Even at the reduced rate the cost is likely to be around £500/$728 per annum in the UK and more in the US. Check carefully to see what you're covered for. There are lots of insurance companies that sell policies for writers which include public liability and legal costs if you pursue your own case but the policy (especially if it's cheap) may well not cover you if anybody sues YOU.

A UK specialist insurance company for writers, journalists and photographers that does sell comprehensive cover for libel, slander, infringement of copyright, breach of confidentiality, negligence and liabily to the public is Imagining Insurance. There are special reduced rates for members of the NUJ (National Union of Journalists) and the SOA Society of Authors. The US Author's Guild has a package for its members which covers libel, slander or disparagement; invasion of privacy; trademark and copyright infringements and plagiarism.

c.2010 Stephanie Zia.

Rejecting Obamacare, It's Not That Simple

A plague o' both your houses William Shakespeare

I have been an unapologetic critic of Obamacare, castigating both the politically motivated choices Congress made, and the accounting tricks and misrepresentations they used to get it passed. The crucial deliberations about funding, coverage, cost savings, medicare. medicaid, specialists, hospitals, nursing home care and rationing were either absent or criminally misleading. Pelosi and Reid pandered to their base and passed the bill over the objections of the majority of Americans. This voter unhappiness is reflected in the recent referendum in Missouri where voters rejected Obamacare 71-29, a resounding defeat.

Yet in spite of my unrelenting attacks on Obamacare, I am not rejoicing at the Missouri vote. Ironically, I support many of the underlying goals of reform, and take issue with many of the politically motivated opponents of Obamacare. The most vociferous denunciations of the Pelosi bill emanate from those promulgating the economic principles of free enterprise, market forces, and small government. Although intellectually appealing, such arguments are also disingenuous. These Obamacare critics, like its advocates, refuse to confront the hard realities of actually caring for the sick. To resurrect an analogy I used previously, the American health care system is a house of cards, several miles high, having both market and government components. "Leaving it to the marketplace" is just as duplicitous as the accounting tricks and deceptions so rife in Obamacare. Medical care, by definition, cannot be a free market. Doctors have a monopoly on the information, and once a choice is made about care, it frequently cannot be changed.

Furthermore, costs are so high that virtually no one can pay for care without insurance. For these reasons, health insurance is often cited as the prime example of "market failure", which I will discuss later. Although I believe individual behavior is guided by market principles, and can be used for properly aligning health care incentives, if we wish to provide basic medical care to every member of our society, government will have to be involved. Such a goal should be a prerequisite for a civilized society. Both sides need to drop their cynical, partisan, deceptive rhetoric and start talking about what level of medical care we guarantee to people, what we wish to spend, and how we will pay for it. Who will ration care, and how will we tell people "no more"? If people want more care, how can they pay for their own, additional insurance? How will government pay doctors, hospitals, and drug companies, how much and who decides? Should we keep or break the accidental linkage of work with health insurance? Such questions are inherently difficult as they involve the life and health of every one of us and the people we care about. These are society's choices, we elect our representatives to both frame the discussion and make the decisions. We need to hold them accountable, and not allow the cowardly pandering that has characterized the debate up until now.

Start a Foreclosure Clean Up Business: What You Can Do During the Holidays to Ensure Your Success

If you're like most aspiring entrepreneurs, you've probably been thinking about starting your own business for quite some time. Most do; they investigate many opportunities and usually fall in love with one that they want to try - but, they hesitate. Sometimes, this hesitation turns into procrastination because action is never taken. If this sounds like you, and you've been wanting to start a foreclosure clean up business, following is why the holidays are an ideal time to start.

The Holidays: Why It's an Ideal Time to Start a Foreclosure Cleanup Business

Mainly because, during the holidays, most people are focused on partying and celebrating. And there's nothing wrong with that. But, if you're serious about owning a business, one of the things you'll learn early on is that you have to work while others are playing. This is the kind of fortitude that will make you that much more successful than your competitors.

So yeah, squeeze in some time with friends and family celebrating this joyous time of year. But, also carve out some to devote to your dream of running your own foreclosure cleanup business. Just think how great it would feel to go out, give an estimate and then land a job where you clear $2,000, $5,000 or more - which is totally possible in this type of business, even for newbies.

Start a Foreclosure Cleaning Business: The Holiday Plan of Action

So, now that you know why the holidays are an ideal time to start a foreclosure cleaning business, following are three things you can do to make it a reality.

I. Decide on Your Service Offerings

When you operate a business cleaning foreclosed properties, you can offer everything from lawn maintenance to general contracting jobs (eg, repairing sheetrock, replacing broken windows, painting, etc.). Hence, it's important to know how big or small you want to start.

So take some time to investigate other foreclosure cleaning businesses and see what their offerings are - especially in your area - to see what you want to start with.

II. Check Into Insurance

What type of insurance to get is one of the most often-asked questions by new foreclosure cleanup business owners. What type you'll get depends in great part on what services you will be offering, so that's why you should decide that first.

III. Register Your Business

In order to get foreclosure cleaning jobs from realtors, bankers and property preservation companies -- sources from whom you'll receive a lot of work - you will need to be a formally registered business (with insurance).

Of course, there are a few more things that you need to do to start a foreclosure cleaning business, but these are three of the biggies. Once you complete these steps, you're practically ready to go. Good luck.

Townhouses - How to Choose the Right One for You

If you are a first time buyer with a family chances are you are leaning towards buying one of the many Mississauga Townhouses available for sale. With a wide selection of Mississauga Townhouses how do you choose one that is right for you? Before you rush out and buy the first Mississauga Townhouse that you see there are some steps you want to consider.


As a first time buyer affordability is something that is probably uppermost in your mind. Make sure you get pre-approved for a mortgage before you look at any Mississauga Townhouses.

Buyers Agent

An experienced full time buyers real estate agent is someone you should hire from the outset. Besides being able to help you with the above mortgage pre-approval they will or should have a host of valuable information that would take you endless hours of research. The best part of using your own experienced buyers agent is that it does not cost you one penny. That's right, not one penny. The agents fee is paid by the seller. Although the agents fee is paid by the seller they owe all fiduciary duty to you and must work with your best interests in mind.

Costs of Buying a Mississauga Townhouse

As a first time buyer of Mississauga Townhouses you will need a minimum of 5% down payment which will allow to get an insured mortgage. With 20% down payment you will not need an insured mortgage. There are however other costs you will need to budget for on the closing date of your new town home. There is an Ontario Provincial Land Transfer Tax, a portion of which is rebated to you as a first time buyer, up to a purchase price of $250,000. As well there are legal fees, home inspection fees, appraisal costs, home insurance and title insurance. A general overview of these costs with your buyers agent will prevent any nasty surprises on the closing date of your Mississauga Townhouse.

Location, Location, Location

You have more than likely heard it many times before, location, location, location is the most important part of a real estate purchase. But what does that mean to you? If proximity to your place of work or access to transit in order to get to work is important you will need to look at Mississauga Townhouses within a reasonable distance of those. The same consideration for schools should also be taken into account as well as shopping facilities, entertainment and alternative transit choices.

Home Inspection

Once you have seen a good selection of Mississauga Townhouses and have decided on one that best suits your needs, be sure to insert a conditional home inspection clause in your offer. If your buyers agent is experienced and is really looking out for your best interests they will automatically include a home inspection clause. In all likelihood the one you choose will be a Mississauga Condominium Townhouse.

Do not let yourself be persuaded to forgo the home inspection simply because the condominium corporation will be responsible for all the major items of repair. There could be interior issues which are the responsibility of the owner and could end up in your lap without a home inspection to give you the ability to renegotiate any such deficient item. In place of a regular visual home inspection I would recommend a thermal imaging home inspection which through the use of an infra red camera reveal hidden issues you may want to renegotiate with the seller.

Buying your first Mississauga Townhouse may seem like a daunting task but if you approach it methodically and with the above points in mind you will enjoy your new townhouse for years to come.

7 Great Tips for Saving Money

When the economy is down and unemployment and foreclosures are up, business as usual is not a wise course. What is a cash-strapped consumer to do in such financially troubling times? The answer is to start cutting back. However, saving money does not have to be painful. In fact, all it takes are a few small changes, and consumers can realize significant savings. Here are seven ways to immediately begin saving money.

1) Host a huge garage sale. This should go well past selling off a few long-neglected items. Go through every nook and cranny in the house and take an inventory of everything that has not been used in the last six months. If it has not been used in that time, then chances are it will not be missed. Throwing a big garage sale can easily net many families $1000 or more for junk that is simply gathering dust and taking up space.

2) Quit smoking. A pack a day habit costs consumers about $5 a day and $1,800 over the course of a year. Ouch. That money should be going into savings. Aside from the instant savings, consumers will also save thousands in the long term thanks to reduced insurance and healthcare costs.

3) Stop driving. Many cities and towns offer public transportation in the form of buses, subways and light rail. Making use of these services can save consumers thousands each year on gas, insurance and maintenance. Carpooling or using a bicycle is also an excellent alternative to driving.

4) Buy used. According to recent studies, the average consumer spends over $1,750 a year on clothes and their upkeep. That number can be drastically reduced by half or more by shopping at second hand clothing stores or online. There are of course many other things that can be purchased used, especially when using the internet.

5) Stay in. When consumers leave their homes, they have a habit of spending money. In fact, consumers spend an average of $1,800 a year on entertainment, and over $2,276 a year on eating out. To cut back, consumers should stay in more often, cook their own meals and rent movies, books and music rather than buying them.

6) Rent out a room. Many consumers have more home than they actually use. If an extra bedroom goes unused for most of the year apart from when family is in town, consider renting the room out to someone else looking to save money. In many metropolitan areas such as Seattle, a room can easily rent out for $400 a month. After accounting for about $20 in utilities, that can result in savings of $4,000 a year.

7) Ditch the credit cards. Too many consumers find themselves buried under a mountain of debt because of poor spending habits involving credit cards. Cut them up and stop using them. Start using cash to pay for everything and build an emergency fund to pay for unexpected expenses.

Selecting The Right Pet For Your Family

Pets are like members of the family, and therefore, there are plenty of things to consider as a person begins looking into this venture. Ultimately, choosing a pet is a bit more complicated than merely picking out something that is cute. Depending upon the circumstances, some choices may be better than others.

Of course, if a person has their heart set on something, it doesn't mean that it shouldn't happen. With some preparation, planning and the support of the whole family, you may be able to make it work. Regardless of what kind of pet you're hoping to incorporate into your family, you should take some time to evaluate several considerations. This is, after all, a very important decision.

The most common mistake that people make when adopting a pet is underestimating the amount of time the pet will require from them, especially at the beginning. Very young animals and newborns may require extra attention, and it may even require a person to take care of it for extended periods of the day. Think about how much time you can devote to your new pet, both at the beginning and on an ongoing basis, before you make a decision.

Costs are another thing to think about. The short term costs can be more than you might expect. The first thing, of course, is the price of the pet itself. Depending on the breed and rarity of the animal, the cost could run into the hundreds, or sometimes even thousands, of dollars. Other options may be minimal, possibly even free. You may be able to narrow down your choices on cost consideration alone. Some pets may be impractical just because of the cost. The setup costs are often a little more than people think. You should certainly take your pet to the vet for a checkup. He or she may need shots and neutering or spaying. There's also the cost of cages, toys, beds, pet doors, leashes, etc.

Some pets will have more expensive long term costs as well, especially vet bills, so this will also need to be understood before an investment of time, money, and energy is made. You can make some of these costs more predictable with pet insurance. Go online to do a thorough pet insurance comparison. If you don't know what types of ongoing expenses you might run into with the type of pet you're thinking of, talk to someone who knows. You need to know what you're getting into before you make the commitment.

Depending upon an individual's living situation, there may actually be few options available. Those who own there home will probably have far more options and freedom with their choice than, say, those who rents an apartment or condo. Check with your landlord if you're renting to see what's allowed. Even if you own your home, there may be some restrictions on some types of pets.

If you're thinking about keeping an exotic animal as a pet, you need to find out about the many zoning codes, rules and conditions that might apply. This option will require one to do research into county, state, and federal laws pertaining to an animal. If you need to transport an animal from overseas, that can get complicated. Make sure to contact the local airline, as well as Customs or the Port Authority, and fill out all of the proper paperwork while making sure to follow all applicable laws and conditions.

Selecting a pet to become a part of your family for many years to come is an important, and sometimes difficult, decision. Even though you're excited, take the time to consider all the details that will make this a positive experience for all. If you make a rush decision, you may waste a lot of time, energy and money. Worse, you might have to give up your pet later, which is hard for your family and often bad for the pet. Keep an open mind and think about all of the choices open to you. Plan ahead for the costs, in time and money that this decision means. If you know what you're getting into and you're ready for it, your pet will bring joy and companionship to your family for years.

Saving Money for Retirement

Many people spend almost all the money they earn on household and family expenses, without realizing the need to save for their retirement. People wishing to be prudent should ensure that they save for their retirement years. There are different reasons for this type of saving. Some people save in order to have a happy and enjoyable retirement, while others save only to the extent of enabling them to survive during their later years. Saving for your retirement is a long-term process and requires investments that can last throughout your working life as well as when you are retired. If you have special plans for your retirement, it is wise to start saving early.

Having investments in such areas as fixed deposits can be a good idea. These are very safe and give a fixed amount of return at the end of a given period of time. Some of the fixed deposit can be in the form of company funds, where the money is used by the company to expand or engage in other business activities. Fixed deposits can be very rewarding, especially if the investments are made early in life.

For long-term investment, people should also consider investment in insurance. Buying insurance policies can be a great way to invest, and there are many different types of insurance available. Insurance helps protect individuals and families from unforeseen circumstances such as illnesses and accidental injuries.

Alternatively, you can choose to diversify and have a variety of different investments. Diversification of investment can sometimes be wiser than single investments. This is because when a crisis occurs in one area of finance, the other diversified investments help limit losses. For example, if you invest in both fixed deposit and equity, the fixed deposit can help when the value of your equities has fallen, due to a decline in the value of money.

You May Need a Traffic Lawyer to Defend Your Speeding Ticket or Traffic Citation

Traffic tickets may be incredibly costly and inconvenient. A good Traffic Lawyer is often of good enable. Some individuals drivers decide to quickly pay their tickets and move on, even though they don't believe these are guilty of your traffic violation. This may cause extra price in insurance policy will increase than the price of excellent lawful counsel, a good Traffic Lawyer with defend the traffic citation or speeding ticket. Other folks decide to contest their tickets to prevent paying out fines or other penalties, bigger insurance policies costs, along with a infraction on their driving history. In many cases, any traffic lawyer who specializes in traffic laws usually aid drivers effectively get their tickets dismissed.

Moving violations are infractions that take place when your motor vehicle is in motion. Examples of moving violations involve: going to fast in traffic; driving far too slowly under the authorized minimum limit; tailgating; driving through a red signal light; disobeying road signs such as a yield sign; or failing to yield the right of way to grade school buses or emergency vehicles. It is exactly where any Traffic Lawyer in crucial to adequately defend any ticket or traffic citation.

Non-moving violations come about as soon as the vehicle just isn't in movement but your traffic regulation still is becoming broken. Examples of non-moving violations consist of parking illegally, such as in a handicapped spot with out proper authorization, or letting parking meters expire.

You'll find also 'disobeying highway sign' tickets or unlawful lane change citations between numerous people that don't seem being important but in fact could affect your specific driving record, add points to your license and raise your insurance charges if not properly defended towards.

In some individual states, demerit tips were extra to some driver's document each and every time they collect any targeted traffic ticket. The volume of issues varies in accordance to the severity with the ticket. If your driver accumulates a certain amount of points, penalties which include your license suspension should come about. Even in says devoid of points programs, tickets was additional to your driver's file and may result in punishments for instance fines or possibly a license suspension. Drivers with numerous tickets on their records most most likely be labeled as dangerous or dangerous drivers by their auto insurance policy corporation and pay greater than normal premiums.

Amongst a lot of of your traffic linked expert services a great traffic lawyer will likely be the greatest asset expected to the legal dynamics with the troubles and gatherings which will occur when driving or involved in a motor motor vehicle connected troubles from accidents with moving violations and so much more.

Drivers who desire to maintain their traffic record thoroughly clean and keep away from spending penalties ought to consult an attorney who specializes in traffic regulation to contest their ticket. The court docket methods may be frustrating and hard to understand, and it's in the best personal interest of the defendant to acquire lawful aid from a well chosen, competent Traffic Lawyer.

So this wraps up this article. There is going to be more to come, in the mean time please at all times bear in mind with the benefit of a seasoned professional traffic lawyer when dealing with the motor vehicle and traffic issues.

How to Audit Your Hospital Bill

Many people in the United States do not have adequate insurance, or have no insurance at all. This leaves a large percentage of people unable to pay their bills in traditional ways. With the average ER hospital bill over $1,000 now it is extremely difficult for a family who is already cash strapped. Insurance companies pay less then half of what an individual pays.

It is very important to at least work with the hospital to make sure your account does not go into collections. Having your bills go into collections hurts your bargaining power, and can effect your credit score (which hurts job prospects potentially), in addition to that if you have open collections the cost of borrowing on anything from car car loans to credit card rates will rise.

So if you are uninsured or under-insured and want to lower your medical bills, your best start would be to audit your medical bills. The first step would be to request an itemized receipt of your bill, and look for any obvious errors or double charges. Once you have the bill in hand you can spot these errors contact the billing department of your medical provider.

Sometimes working with medical providers, especially the billing department can be a tedious process, they are trained to get the most money out of patients and do this all day. If you are not comfortable negotiation with people and feel you still want to audit your medical bills getting a professional to do the job is also an option.

Open The World Of Single Life Annuity To Yourself

Annuities can be described as a financial contract with insurance company that helps people save money for retirement. The money that are deposited into such provisions grow all the time, they are tax-deferred until they are withdrawn that happens generally after the person reaches retirement age. A fund that brings income to the person insured during retirement is called a single life annuity. The one who is insured is called annuitant. Further some information about annuities is provided to those, who search for such financial product.

Different payout options are available in single life annuities. In straight annuities, the money is paid out till the death of annuitant. There is also a possibility to purchase a refund option. According to this, after death of the annuitant, any remaining money in the account will be forwarded to beneficiary, whose name is stated in the contract.

There is an interesting option of these contracts called a guaranteed period or term. Guaranteed term ensures that payments will be made for stated number of years, despite if the annuitant is alive. If he or she will die till the end of guaranteed period, the payments will be made to estate of annuitant or their beneficiary, stated in the contract until the term comes to an end.

Interest earned with the funds is tax-deferred till the time the interest is withdrawn. In the USA, all annuitants that are below age fifty-nine and a half must also pay a penalty tax on funds, that are withdrawn from single life annuity. This penalty tax comes with income tax due on the withdrawal.

In the majority of the cases, a contract can be deferred or immediate. Deferred single life annuities are split into two distinct periods; known as the accumulation and payout phases. First, during the accumulation phase, the funds are deposited into the account where they earn interest over a number of years. After that, throughout the payout period, payments are received by the annuitant. These comprise the principle and accumulated interest earned over the period. The interest portion accumulated is taxed, in accordance with the annuitant's current tax rate.

When purchasing immediate annuities, the holder starts receiving payments from the first year of the contract. The remaining amount earns interest that is tax-deferred. Just like with deferred annuities, income tax on the interest is charged when the interest is withdrawn.

Joint and survivor annuities are more preferred for married couples than separate single life annuities. When purchasing joint annuities, both spouses will receive retirement income payments. Upon the death of the one spouse, the other will receive the remaining value. The payments will be made to surviving spouse during period, specified in the contract.

It can happen that income from an annuity is not needed during the retirement time. Then, couples can use the funds to buy a joint policy. These funds are also subject to income and penalty tax.

If further advice on any financial product is needed, including a single life annuity, it is strongly recommended to take appropriate legal advice. Before signing any agreements it is very important to check the credentials of the all parties involved.

Four Top Reasons For Buying An Auto Backup Camera

Should an auto backup camera be on your shopping list? Sometimes it may be referred to as a rear view camera, but it is basically the same product. So no matter what kind of vehicle you drive-from a small car up to an RV or even if you tow a trailer behind one of them, there are at least four good reasons for buying this product. Those reasons pertain to accidents, insurance, backing up, and parallel parking. This article with explore those reasons and give suggestions on what to look for when shopping.

Avoid accidents, especially deadly ones If you drive a van or an SUV, you probably bought it for safety in case of a traffic accident. But there was a trade off-what you gained in traffic safety, you lost to their large blind spots. The rear view and side view mirrors just can't reveal that toddler playing innocently directly behind you or at either edge of the rear bumper. This is true of all vehicles. It's just that with the larger vehicles, those areas are larger.

Avoid rising insurance premiums This is just a natural consequence of accidents. An auto rear view camera should at least diminish accidents that result from backing up. Besides the insurance cost, you are out the use of your vehicle while repairs are made. Or-worst case scenario-having to replace a vehicle that's been totaled.

Diminish backing up frustrations How many times have you done everything you could to make sure no one was behind you before backing out of that spot in a busy parking lot? You checked the rear and side view mirrors, turned around to make sure no one was behind you only to discover that someone was either in the blind spot or just entered it. An auto backup camera mounted at the rear would have transmitted that information to the dashboard-mounted monitor, without all the hassle.

If you drive an RV, you know how useful it would be to be able to guide this large vehicle into a camping space without putting a scratch on it.

Trying to back that boat and trailer into a launch ramp becomes easier with this product.

Makes parallel parking easier The challenge of all parking is parallel-pulling up just right, backing up and angling it in just right when you can't even see where the curb is-you know the frustration. The rear view camera let's you see not only where the curb is but any other obstacle that might be lurking behind you.

Now that you've decided that it would be extremely useful, you wonder about the cost. You can probably find a quality system for around $200. Of course it depends on the size of the vehicle it is to go on, whether it is hardwired or wireless, and whether you get it with a night vision illumination. If you decide to get night vision, 20-45 feet illumination is recommended.

An RV, SUV, van or truck require a different system than you'd use for a smaller car. Some RVs come with an auto backup camera as standard equipment.

Hardwired is less expensive than wireless but is more difficult to install, and that increases its cost. So don't forget to ask about the installation cost for each type then figure than in with its total cost.

So what kind of money are we talking about? You can probably find a good quality system that will last you for several years for about $200.

Before you decide on a system, ask friends or people you know who have one what they would recommend. Then check out the consumer reviews on the different systems you are interested in.

Compare prices at auto parts stores and online retailers. Then make your decision. You'll have to admit that $200 is a small price to pay for peace of mind in avoiding accidents and rising insurance premiums as well as easing the frustrations of backing up and parallel parking.

Navigating and Mastering Your Wealth Creation

For most of us the first step towards a bright wealthy future is to have control over our life's navigation system, and to conceive a plan to realize our desired objectives and goals.

For the rest of us, life is a melody of unintentional wins, losses and in between, generated by a chaotic mismatch of not knowing where we're going and how to get there, driven by a misguided faith coupled with the dreadful familiarity factor.

For example, during our daily routine of travelling by car from one appointment to another, we travel to all places known to us without even thinking or stopping to plan our route. That's because by habit we developed a familiarity factor that instilled in us an automatic pilot that drives our internal habitual response to all things familiar. To get to a new destination, some of us, get in the car, set up the navigation system or look up the location in the street directory to identify the best route, and thus plan our road map. To the rest of us, following the road signs faithfully might just be the way to get there; hopefully!

The following are some suggested activities that can help you escape mediocrity, control your life's navigation system and get you back in the seat, on the way to achieving your financial wealth destination.

Like a diet requiring you to keep track of what you eat in order to control and cut the fat, you should also track your spending for a month to see where it all goes. The findings will stagger you, and will highlight areas to be targeted for savings. Above all, you will find yourself in familiar grounds with unfamiliar rationalization of living beyond your means in one area, or compromising your wealth in another.

For example, many of us carry too much insurance, in some areas, while we're dangerously underinsured in others. Gather all your insurance statements and policies and offer them to two reputable insurance brokers in order to update coverage, or reduce your costs, and then choose the best policies. Driving a car that is getting older and less valuable, without adjusting your policy is an expensive mistake. It's the dreaded familiarity factor again! Equally heinous if you have skimped on your home, life or business insurance.

Read Money Magazines or other financial publications to get their list of low cost credit cards and cut your credit costs. There are many lower fee and lower interest rate alternatives available from financial institutions other than the big banks.

Establish a self managed superannuation fund to allow you to build your retirement nest egg. If you have an existing super account, analyze your investments to ensure that they are properly aligned with your risk preference and your wealth objectives.

Buy what you need wholesale, or join a buying group that offers big discounts.

Joining a health club to get fit is a great idea, but if you pay your yearly membership and do not go, it's time to decide, do it or quit. If you are a fitness enthusiast with a matching commitment, I suggest you look into off peak or alternative day plans offered by some clubs, that can help cut the fat of your budget.

Michael Samuel Glason, in his book, The Richest Man in Babylon, bestows the golden cardinal financial advice "A part of all you earn is yours to keep." Create a plan to save 10% of your earnings " Pay yourself first" and remind yourself time and again that "part of all you earn is yours to keep" and save now for the future. Invest this money wisely by seeking the advice of a person who is doing well in the area you wish to invest in.

Needless to say that having financial literacy coupled with an abundance mind set and a strong awareness of where you are, where you're going and how to get there, are essential, if you are to accrue wealth in a sustainable way. Saving, investing, leveraging, opportunity development, financial propriety, setting goals, enthusiasm, and positive attitude are all ingredients of mastering your wealth creation.

Why Storm Shutters Will Protect Your Home in Winter Storms

Cold winter weather is on the way, and you've begun the process of preparing your home for the winter months ahead. You've done all the winterizing chores that you do every year; you've caulked around windows and doors, you've weather-stripped, you've cut back trees and branches that might fall on your home, and you've made sure that your pipes are wrapped against the cold so that they don't freeze.

But there's something you can do to protect your home during the winter's ice and snow storms that you probably haven't through of: You can install storm shutters. How can storm shutters protect my home during winter storms, you say?

Storm Shutters keep your home safe during winter storms by:

Reducing heat loss inside your home - shutters are another barrier against the cold outside, and another layer of protection against heat loss. You lose more heat through cracks around windows and doors - no matter how well you caulk and insulate - than in any other part of your home. Storm shutters reduce this loss, keep your home warmer, and protect you against the freezing weather. If the power goes out during a storm, storm shutters keep the heat trapped in your home for a much longer time, keeping you warm and cozy until the storm subsides and the power comes back on.

Protecting your windows against debris thrown by howling winds, or from falling trees or branches. Storm shutters are used in hurricanes and tropical storms, and are missile impact tested. Falling branches and debris thrown by the storm is no match for them. One of the worst things that can happen during a winter storm is something coming through your window. Can you imagine the wind howling through your house, along with all that snow and ice? How about trying to get a repairman out during a storm?

Saving you money on your home insurance: Many insurance companies will give you a break on your policy if you install them on your home. They make your home much more secure, reducing the risk of damage during winter storms, and so insurance companies have a lower risk of payout. This leads to savings for you. Check with your insurance company to see how much your payment will go down if you add shutters to your home.

Winter storm shutters are a good idea for any home, and especially if you live in an area where severe storms or blizzards are common during the winter months. Adding them to your home reduces the risk of damage during a storm, and help protect your home from the effects of a winter storm.

Actual Costs of Senior Care: Learn What Medicare Does and Doesn't Cover to Define Senior Care Costs

The quality and costs of senior care vary widely. Planning for a secure retirement includes understanding both the senior care options and the costs. All seniors in the U.S.A. receive Medicare health insurance. Very low-income seniors with next to no assets may qualify for Medicaid health insurance. Medicaid qualifications vary by state and do provide the security of knowing if you should spend down all of your assets, you would receive long-term care in a nursing facility covered by Medicaid.

Ironically, Medicaid insurance provides more benefits than Medicare insurance, including paying for medications and for long-term care. You may not be able to choose which nursing home you go to, but you will at least receive free long-term care in a nursing facility for as long as needed with Medicaid benefits. Everyone else must privately pay for long-term senior care.

What are the senior care options?

  • Senior Home Caregiver
  • Assisted Living Community (Usually Must pay additional for 1-on-1 Caregiver)
  • Nursing Home
  • Continuing Care Retirement Community (CCRC)

What are the costs of each senior care option?

Senior home care costs between $16 - $25 per hour and $140 - $350 per day for 24-hour live-in care, depending on what part of the country you live.

Assisted Living Communities usually require a minimum of $4,000 per month available for rent, food and other activities. A one-on-one private caregiver or nursing aide costs more and sometimes is provided by a separate senior home care agency.

Costs of Long-term nursing care in a facility vary depending on if you are in a private or double room. In addition, many additional fees are charged for beauty salon services, additional personal care and therapy services. Costs can range from $170 to $600 per day. Check out the daily costs of nursing homes nationwide to understand the reality of long-term care costs.

Medicaid reimbursement rates for nursing homes vary by state. Most seniors who can afford to privately pay for their senior care will enter a nursing home while Medicare pays for the services (Medicare will pay for up to 100 days in a nursing home after a hospital stay or for rehabilitation, with doctor's approval). Then when their Medicare coverage runs out, they will move to the home for one-on-one private care which costs less than a nursing home. Most nursing homes staff one nursing aide to every 12 to 15 residents.

Earthquake Retrofit Your California Basement in Four Easy Steps to Save Time and Money

If you live in Southern California, then you know what it's like to live in Earthquake Country. While we So Cal residents seem to have warmer winter weather than anywhere else in the U.S., there's still a price to pay for living in Los Angeles aside from high rent and traffic jams. We have to pay the premium of Mother Nature's tectonic wraths. In 1994, the Northridge Earthquake was reported as the most costly natural disaster in American history, until Hurricane Katrina. However, the USGS reports that the Big One is past overdue. Los Angeles may be setting a new national record, and it's time you do something about it. Here's what you can do:

  1. Identify your foundation type. Most homes in California are built on raised foundations with dirt crawlspaces supported by concrete piers and wood posts. This is what we call a California Basement, unlike the below ground basements you find on the East Coast or the Mid West. Unfortunately, California Basements are not naturally suitable to withstand California tremors absent proper earthquake mitigation building techniques. Most existing homes do not have the necessary up-to-code bolting and anchors necessary to keep the home from sliding off its foundation in the event of an earthquake. Think of a glass of water sitting on top of a coffee table. When an earthquake strikes, the glass will slide right off the table and shatter. Your home behaves the same way.
  2. Contact a foundation specialist. Request an inspection to seismic retrofit your home's California Basement. Unless you are a general contractor, then it is strongly recommended that you do not do it yourself. Usually, the space between the dirt floor and the sub-floor of the home is very minimal, and it takes professional labor to safely and accurately perform the work with industrial tools.
  3. Obtain a bid. The bid should outline the scope of work, pricing, duration time, and required city permits. The Los Angeles Department of Building and Safety states that the minimum amount needed to retrofit the average home is $2,500. The pricing depends on the square footage and perimeter length of the home, as well as height of the home (stories or levels) to determine the spacing of the bolts. Higher structures require more bolts, which come with a higher price. If your bid is about $2,500, then it might take only one day to do the work. Otherwise, the work may take up to three days.
  4. Contact your insurer. Show your insurance carrier proof of earthquake retrofitting. This will lower your premium. Most insurance companies will not even consider you as a client until earthquake retrofitting is performed. Learn more about earthquake insurance from the California Earthquake Authority.

These are the steps you should take in order to protect your house and your family from earthquakes. Please heed this call to action and call your local retrofitting company for your free inspection now!

Find Dentists Online If You Need To Remove Your Wisdom Teeth

Wisdom teeth are the third set of molars. Sometimes they're misaligned and need to be removed. If they are misaligned, they can cause many problems. For instance, they can damage or crowd other teeth. If you have your wisdom teeth, you should visit a dentist. A dentist can let you know if your wisdom teeth need to be removed.

How Will They Be Removed?

If they are underneath your gums, removing them requires making an incision and removing part of the bone. Most dentists remove them in small sections in order to minimize the amount of bone that needs to removed.

What Type of Anesthesia Will Be Used?

If you're worried about experiencing pain, your dentist or oral surgeon can give you general anesthesia. That way, you will be asleep during the procedure. You can choose to have one or all four of your wisdom teeth removed at one time.

If you're awake during the procedure, your dentist will use local anesthesia to numb the pain. He may also give you a sedative to reduce your anxiety. Laughing gas and medications like Xanax or Valium can also be given to the patient.

What Can I Expect After Having My Teeth Removed?

After your teeth are extracted, you will experience bleeding. You can control the bleeding by biting down on cotton balls or gauze. You may also experience facial swelling. You can reduce the swelling by applying an ice pack to the affected areas. You may also experience mild pain, but over-the-counter pain medications like Advil will help you deal with it. You may also be prescribed an antibiotic to prevent infections, so make sure you take that if your dentist or oral surgeon prescribed it for you.

How Much Does it Cost To Extract?

If you have dental insurance, it should be covered under your plan. Some insurance providers pay the full amount and others pay part of the cost for getting wisdom teeth removed. If you don't have insurance, you can expect to pay $99 or more per tooth. If your wisdom teeth are impacted, you may pay between $220 and $340 or more. If you don't have insurance coverage, contact an oral surgeon or dentist and find out how much they charge for the procedure.

Find a Dentist or Oral Surgeon Online

If you need to have your wisdom teeth removed, don't wait. Search for dentists or oral surgeons today. Visit websites online. Read the dentist reviews and check the dentist ratings before you choose a dental provider. Make sure the dentist you choose is experienced and trustworthy. Many dentists have the ability to remove wisdom teeth, but you will have to call to see if they offer this service. If you can't find dentists that offer this service in your area, search for an oral surgeon.