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Tips For Choosing A Health Insurance Policy, Part 1
Tips For Choosing A Health Insurance Policy, Part 1
Choosing a health insurance policy is a very important decision and will affect your health in either a positive or negative way, depending on your choice. You will want to be sure that you pick a health insurance policy that will have you covered when you need it. If you are not sure how to pick a health insurance policy for you and your family, consider the following helpful tips. Following these tips can help you pick the best health insurance policy that will cover you and your family adequately while being affordable.
Tip #1 – Consider Your Needs – When you are trying to choose the right health insurance policy for you and your family, you need to take your health needs into consideration. If any of you have a pre-existing medical problem it can make it a bit harder to get medical insurance. You should also carefully consider what needs you are going to have in the next few years. If you are planning to start a family you will want to make sure that your health insurance policy covers maternity and other OB/GYN costs as well. When considering your needs you want to make sure that you purchase enough health insurance coverage, but you also want to make sure that you are not going to pay for coverage that you do not need.
Tip #2 – Are Doctor and Facility Choices Available – Another factor to consider when you are choosing a health insurance policy is the doctor and facility choices that will be available with your insurance plan. Many insurance companies only work with certain doctors or care facilities. If you already have a doctor that you really like you may want to be certain that you can continue to see this doctor and have it covered by your health insurance. Also make sure that it is fairly easy to see a specialist as well. Some insurance companies require doctor referrals and advanced notice if you need to see a specialist, which can be time consuming and can take up time you do not have.
Term Life Insurance – Fables And Reality Part 2
Term Life Insurance – Fables And Reality Part 2
In our last article we discussed common thinking of why people choose not to be insured. The previous issues were working at home, being young and healthy and having the mortgage paid. Again we will see that term life insurance is adaptable to your needs.
Term Life Insurance Fable #4
If life insurance is cheap, it’s not good : sorry, no deal. Term life insurance is purchased for the length of time the mortgage needs to be paid or to replace an income. If the life insurance policy is purchased early, the premiums are low and will last the length of the policy and the life of the policy holder. It is cheap and getting cheaper, as people are living longer.
Term Life Insurance Fable #5
They are covered through work: When an employer gives you coverage as part of your employment package, it is not a portable policy. If you changed jobs, you can’t take the policy with you and may face higher premiums when trying to apply again. Also, the coverage an employer owned term life insurance policy gives you may be limited and not give you as much coverage as a personal life insurance policy you could own yourself.
Life Insurance Fable #6
Getting life insurance the old fashioned way can be very stressful: shopping through the internet for your own term life insurance is extremely easy. You are able to compare competitive rates that companies offer; a very simple and time saving method. Online brokers like ourselves reply promptly to all requests. Making appointments with a single company broker and trying to do the comparison yourself, could be a major headache.
The Case For Term Life Insurance:
No matter what financial situation you are in, you need term life insurance to complete your financial picture. The basic concept of life is to prepare for the worst case scenario, so it’s advisable to start planning and discussing your financial planning needs which include discussions on the need for term life insurance.
Looking After Your Dog, Part Six – Dog Health Insurance
Looking After Your Dog, Part Six – Dog Health Insurance
Pet health insurance is not a novel idea by any means. The concept has been around for 15-20 years. Many people believe that having medical insurance for a pet is not justified, and is rather something that depicts indulgence. However, the truth is that pet health insurance has nothing to do with being lavish. It purely depends on how much you care for your pet. It is the question of whether you consider your pet a part of your family, and therefore, would want to have it insured.
Pet health insurance plans take several aspects into consideration before awarding an insurance cover. The decision may be based on several considerations – species, age, pre-existing health conditions and lifestyle of the pet (i.e. a docile one compared to one of a sports dog). A few of the pet insurance companies don’t have an age limit. However, it’s easier to get pet health insurance if your pet isn’t too old. Therefore, insurance schemes typically start off at an early age of around 6 weeks for a dog.
The decision to have pet health insurance also depends a lot on your pet’s current health. If, God forbid, your canine is suffering from a fatal ailment, then there is no point having him insured. Moreover, getting insurance in such a case is all the more difficult to say the least. Pet health insurance costs vary widely owing much to the broad variety of insurance packages available. Comprehensive pet health insurance schemes cover the costs of annual checkups, vaccinations, routine care and preventive medications, and spay/neuter surgeries. Partial plans only cover accident and illness costs.
Insurance schemes are not for everyone. It might be the case that your dog’s current health condition does not satisfy the requirements of the insurance company. But you should not be disheartened in such a scenario. Some medical facilities offer pet wellness packages, which allow you to avail vaccinations and pet health checkups at discounted prices. You could go ahead for one such scheme.
Free eBook Publishing Guide – Part 1 – Why publish an eBook?
Free eBook Publishing Guide – Part 1 – Why publish an eBook?
eBook defined
Despite being around now for over twenty years, no-one has yet come up with a stable definition for the word ‘eBook’. However, one can discern some typical features:
• The item is distributed as a single file (so CD encyclopaedias are not considered to be eBooks) and can be opened as a data file in an application, rather than being launched as an executable (.exe) file
• The item is both complete & completed – i.e. neither a chapter / episode / serial nor an unfinished work in progress
• The item is familiar to readers, as obeying most or all of the standard conventions of a book (e.g. contains a table of contents, preface, index, etc. and is between 25,000 and 400,000 words in length)
The advantages of an eBook
Aside from the financial advantages for the author (which I will cover below) there are a number of intrinsic benefits to eBooks when compared to the traditional printed book:
• Readers can search the text to quickly find key information, particularly when reading for a second time
• Readers can adjust the font face and size to make the book easier to read (ever more vital for an ageing population!)
• Blind or partially-sighted readers can make further use of text-to-speech conversion software (“screen readers”)
• eBooks can be read in low light or total darkness by using the back-lighting features of PC or mobile devices
• Distribution costs are extremely low and eBook authors and publishers can respond quickly to any erratum or addendum, with more frequent, incremental editions
• eBooks are environmentally friendly. Many hundreds can be stored on a single device and paper use (through printing) is minimised or avoided altogether
• eBooks without DRM protection can be instantly copied and backed up easily
The Advantages for the Author
When writing a traditional printed book, the odds are stacked against the author making a decent living from their work! eBooks, by contrast, deliver a real return on investment for the author:
• You cannot get rejected! A traditional book may get rejected 50 or 60 times by different publishers and agents before finally being accepted – or indeed may never find a home! Many authors paper their walls with rejection letters. You won’t have to!
• You don’t have to wait! For the traditional book, it can take up to two years for the publisher to get your book to market (managing as she does a huge and inefficient supply chain of printers, shippers, wholesalers, distributors, marketers and booksellers). An eBook may take no more than 10 weeks!
• You can make a lot more money! To illustrate this, imagine a traditionally published book with a list price of £20. The Distributor and buying public share a 50% trade discount between them (£10 in this case) and the Publisher takes £9; leaving the author with a 10% royalty on the discounted “net” price (£1). For a trade paperback, this might be less (perhaps 70 pence). For an equivalent £20 eBook, you could earn 14 times as much on each copy (£14)! More on this later in the guide.
• You get your money sooner and with less surprises! On a traditional book, an author would generally get their cut up to 120 days after the actual sale, with 20% of their cash witheld as insurance against unsold books. With eBooks it varies from immediate receipt to 90 days, with no portion witheld.
• The practical advantages; eBooks can be changed or updated easily, without the need for new print runs and thrown-away old editions. They need never go out of print and can cross genres or use unusual formulas without aggravating an interfering editor! Finally, you retain complete rights to the title and agreements will be non-exclusive (so you can sell through other publishers).
Conclusions
I hope I have convinced you that the eBook option is very much worth investigation, particularly for the new author. You can avoid publisher rejection letters, get to market 12 times faster and make 14 times the income per book than you would in the traditional publishing model.
In chapter 2 of my free eBook Publishing Guide (“features of the eBook Market”), I explore the Book market itself and the different emerging publishing models therein.
Term Life Insurance – Fables And Fact Part 1
Term Life Insurance – Fables And Reality Part 1
Term life insurance has many advantages. Many people don’t bother to insure themselves because of misunderstandings about what term life insurance can do for them. Let’s examine some of the major reasons why people hesitate to buy term life insurance or indeed any type of life insurance.
Term Life Insurance Fable #1:
They work at home: Home workers still have to replace a paycheck and cover expenses in the event of death. They also still have to consider childcare and their children’s future education. Add the chance of long term injury because accidents can still happen at home meaning you should also look at disability insurance along with your term life insurance.
Term Life Insurance Fable #2:
They are young and healthy: The absolute best time to buy insurance is when you are young and healthy. The term life insurance premiums are cheap and lets face it, someday you will need it. The reason for term life insurance is to insure yourself against the worst-case scenario at the lowest possible price.
Term Life Insurance Fable #3:
The mortgage is paid and the children are gone: Term life insurance needs vary, but chances increase, as you get older, of losing a spouse. Again you have to look at loss of income. Also at this stage of life you have to be concerned about your estate. You will have to name beneficiaries with a Will and prepare for death taxes. As with many problems, money can be answer and one way to make sure you leave enough to provide for your family, is with term life insurance.
The Case For Term Life Insurance
When constructing a solid financial base, term life insurance is always a good investment because of its low cost. Consult your independent life insurance broker to see where you need coverage and how you can meet your financial goals through term life insurance.