Thursday, 19 July 2012

5 Vital Tips on Health Insurance

5 Vital Tips on Health Insurance
1. Define your requirements of health coverage
Define what you want to cover yourself against – is it just critical illness, or injuries resulting from an accident, hospitalization expenses or OPD expenses as well. There are different kind of policies available depending on your requirement and your budget.

2. Decide which members of your family need to be part of the health insurance policy – you might find splitting policies to be beneficial.
When buying for a family check multiple options. Sometimes its beneficial from a cost perspective for the oldest member of the family to have a separate policy. Usually all insurance companies offer policies for coverage of you or spouse; and up to three children under one policy. Some policies also give coverage for dependent parents in the same policy.

3. Decide the total amount of health coverage needed.
The total amount of coverage needs to be determined by the number of people that you want the policy to cover, your estimate of the health care costs and the existing coverage that you might have from other sources like employee provided group insurance.

4. Read through the list of exclusions of the health insurance policy – both permanent and first year.
Exclusions define the ailments and the conditions under which the health insurance coverage will not be valid. For example a common permanent exclusion is cosmetic surgery. Such surgery is discretionary and usually not life threatening and performed at the insistence of the patient. A common first year exclusion is cataract; cataract surgery is covered from the second year onwards. This is to avoid moral hazard.

5. Check the network coverage of the Third Party Administrator (TPA) being employed by the health insurance company.
Ensure that the hospitals near your residence which might be used in case of an emergency as well as the hospital where you seek regular or specialist treatment is part of the TPA (Third Party Administrator) network.

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Homeowners who are considering moving to bigger homes

The first time home buyer or any individual considering investing in the property and housing industry will have to be completely aware of the present home loan interest rate for the reason that a variation of only one or two percentage points can make an enormous difference in monthly mortgage payment.

Homeowners who are considering moving to bigger homes as a consequence of their growing families can as well take advantage of today?s market. In addition, individuals who at present own homes can profit in today?s market by refinancing the current outstanding amount of their mortgage. It would be an excellent idea and can save money if the rate is as a minimum two percentage point less than the current mortgage rate. The refinancing as well makes it possible for the homeowner to make use of the equity which they have amassed in their home.

The refinancing as well can indicate to decrease the overall duration of a mortgage to lower present home loan interest rates, therefore saving money on interest costs.

A few online web portals like ratesupermarket carry the terms of these kinds of deals. A home loan purchaser can as well get in touch with a loan officer at his neighboring bank or lending institution. Indeed, present home loan interest rates are as well readily accessible on the web portal like ratesupermarket. A few websites provide the simple online forms to likely home loan aspirant to fill in with the intention that the home loan lenders can quote a personalized home loan rate. Researching on the previous few decades and current property and home market condition, the present home loan interest rate is extremely beneficial to anyone planning to acquire a dream home to live in.

If you are planning and interested to buy a home and are keen on looking into home loan interest rate, log on to the internet and search for websites that offer great services to existing homeowners and individuals who are looking forward to buy their first home. These websites offer home loan rate quotes from several banks and lenders that you can request for and once you have them you can compare them using free online mortgage calculators to make out the best deal. For existing homeowners they can compare their existing home loan rates with current prevalent home loan rates to see if they can save money by exercising their rights to refinance their current home loan. For first time home owners these websites as well provide free counseling by their panel of mortgage experts. With ratesupermarket, you will be able to compare several home loan rates from top-class banks and lending companies. Find More Home Loans Interest Rates Topics

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Churchill Insurance started in 1989 as a UK direct motor insurer

Churchill Insurance started in 1989 as a UK direct motor insurer; along with car insurance they even sell home insurance, travel insurance, break down cover, motorcycle insurance, van insurance, as well as insurance for your pet. In the year 2003, the firm was purchased by the Royal Bank of Scotland, and it currently belongs to the RBS Insurance division.

The firm offers its insurance policies on the Internet or by phone, and all the call centers are situated in the Uk. Undoubtedly, the vehicle insurance represents the most well-liked kind of policy with Churchill Insurance, and the firm has been consistently awarded the title of the Best Online Motor Insurance Provider in the United kingdom.

With complete Churchill insurance policy, you could appreciate great protection for numerous conditions:

- maintenance for five years when utilizing an accepted restoration firm;

- private accident cover for the policyholder and partner/spouse;
- protection for the possessions in the car;
- health-related expenditures protection for the individuals wounded in the car crash;
- 65% No Claim Discount in the event you do not apply for protection within 4 years etc.

Before you apply to get a Churchill insurance quote, you should additionally verify the qualifications list and make sure that you satisfy all the specifications. You should additionally verify the following two problems: the level of excess and the optional cover.

The Levels OF Excess will be the amount you must pay towards any claim. Attempt a car insurance comparison and you'll see that the least expensive car insurance usually has the greatest level of excess. Such a policy is handy whenever you pay in advance, but whenever you actually need to cover damage, you'll pay the extra out of the pocket.

The OPTIONAL COVER usually describes legal expenditures or breakdown cover. Some insurance policies consist of this, others do not. Just do not overlook to confirm this particular element with your current policy as well as with those who you evaluate on-line. Confirm the Churchill insurance, after you receive the on-line quotation to make sure that everything you wanted was integrated in the policy (based on the particulars you entered in the forms).

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I am not a Financial Consultant by profession. Also I do not invest or save much. But with my little knowledge I try to give some ideas about investment.

1.      The first amount spent on your salary should be savings. I never did that and hence I know its drawbacks. Sometimes, when I am need of urgent money to meet the unexpected need, I have no other option except to borrow. So kindly save.
2.    Regarding Insurance do not get cheated by the MNCs and their insurance products, that promises higher returns. Most of this products, called equity linked products (the amount you pay will be invested in shares, after deduction for actual insurances) promises that the amount will be doubled in a span of three to five years. It’s a myth and all depends on the market trend. When I was working with a Fertilizer concern, the company became the corporate agent for a Multinational Insurance company. The CEO of our company and a person from the Insurance Company used to visit the same church and that’s how the deal was made. For some of the products, the company offered even 40 % commission. The minimum premium for some of the products were in the range of Rs50000. Rs1,00,000 etc. Sufficient training was given to us and we started to market insurance products. For marketing Insurance, we should have cleared the exam conducted by IRDA (Insurance Regulatory and Development authority). But the rules were by passed. If I logged a policy, it will be done in some other person’s code. 

We used to target fertilizer dealers and well to do farmers for the policy. The main aim is to cheat them. For eg. There was a product with a minimum premium of Rs100000, for which we will computerized projection of returns ranging from 18 %, 24 % and 30 %.  We will say the customer that he has to invest only for three years and the coverage will be for 20 years or until he attains the age of 60. The amount can be in excess of Rs100000 (even 2, 3 or more lakhs/year based on his capacity). Lured by the projections, they will agree (they can choose the insured amount also).

We will collect the necessary documents and also a cheque for Rs100000. Finally the policy will arrive. The customer will have a utter shock, after seeing that only Rs60000/ is invested. Then he will call us on phone and ask what happened to the rest of the amount. We will reply coolly to look at the pamphlet given on the product and read it word by word. Yes, 40 % of the amount goes as charges under different heads. The customer has no other go to keep paying for next two more years.

Sad to note that even LIC launched similar such products (of course the charges were high, but less compared to MNCs). So is it safe to invest in normal endowment plans, money back plans that comes under different names? Sadly it is also not a good option. Because, the returns for investment will be harldy 4 % per annum and not more than that.  Calculate the returns of any such plan and you will know the truth.

But Insurance is essential. Then what to do? The best option is term plan i.e for example you pay Rs500/year for coverage of Rs100000/ and the money will be never returned. (For coverage of endowment plan for Rs100000 coverage you have to pay Rs6000/year)  Now you will be left with Rs5500/ which can be invested in bonds which gives higher returns, Fixed deposits (care should be taken about the time of investment) and mutual funds.

Insure in your name. Because, its only your loss that will cause a financial constraint to the kid i.e only income generating member should be insured and that is the basis of insurance. The kids plans asking you to invest in kids for their education  is myth. Instead you can invest that amount in a high interest giving deposit.

There is a accidental policy for Rs60/year for a coverage of Rs100000/. The policy is with almost all general insurers ( United India, New India assurance, Royal Sundaram etc)

Health insurance is a must these years, as health costs are escalating. Choose a product based on your need. Go for the Government general insurance companys rather than the private, since their conditions for settlement are harsh ( rarely you will get the entire payment promised). Again read the entire policy guidelines fully and clarify yourself with the agent.

Do not go for a policy since the agent is your friend or relative. You have to choose your own plants for the garden of your life.

Always break your investment like this

1.      Insurance- 20 %
2.    Deposits with assured returns/tax saving bonds – 40 %
3.    Gold- 20 % ( not Jewels)
4.    Mutual funds with good track record in SIP mode – 20 %

The systematic monthly investment in mutual funds (starts from Rs500/month). The advantage is you can buy units at the existing rate every month. Even if the  Unit value goes down, you will buy it at a lower rate and hence it will not affect your profit  much. Provided if you keep it long term and invest in a good fund ( do the trend analysis yourself or seek the support of internet Do not go by the advice of the agent alone.

Surrender the fund even if you realize a return of 18 %.  Again split the amount and reinvest if you wish. And always do not invest in more than three mutual funds.

About investing in shares? It is too risky and don’t try your hand in this unless you have a surplus amount that you do not mind losing.

Investing in land is a very good option. Choose a land with low value but with future prospects of growth. Your intuition and careful observation about the schemes of government ( IT park announced, four lane road to come,  other infrastructural facilities to come etc). Check the parent documents, measure the boundaries with your own surveyor, check with the registrar office for any Villangam, existing baseline value of the land and also a legal expert. Beware even sea shores got sold in Tamilnadu by real estate tycoons. Fence the land after purchase if you are not going to sell for 3 or more years to come. 

This for people in lower, middle and upper middle income group. The basic remains the same.

Finally all that I said is for you and not for me ( ha ha ha I spend a lot and do not save, and I do not repent for this now. May be I may repent later)

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The Importance of Life Insurance

The Importance of Life Insurance
Many people talk about life and why it is important, but there are still many misunderstandings regarding life insurance. Many people are unsure whether they need life insurance, and if they do, how much insurance is necessary? What kind of insurance?

Who needs Life Insurance?

First, most people believe life is closed to pay for the funeral expenses of the policyholder. And although this may be part of the reason why people get life insurance, this is not what insurance is for! Life insurance is designed to distribute the income lost by the death of the policyholder, and to be used to pay for the needs of the deceased insured if you do not earn more money to do it replaced. If you have children or relatives who are dependent on your income, then you need life insurance.

For young, single people with no dependents, there is really no need for life insurance. If you have an older individual with retirement savings or pension, you may not need life insurance on top of the money would be available to your partner of your savings and retirement.

Stay at home parents would not think they need life insurance if they do not earn wages, but this is not the case. Think how much it would cost to hire people all the daily tasks you do-day care, household financial management of shopping, errand running and cooking. If you have a special needs family member, what would it cost to have special care provided if you were not able to do it? Life insurance for a stay at home mom, the family to people in the event of your death rents to continue on doing the things you were routinely doing for the family.

As the breadwinner of a family, your life insurance to replace your salary, plus pay the mortgage, college tuition for children, or perhaps career training for a spouse who might have to the staff re-enter your premature death.

Once you've determined you have life insurance, your next step is to figure out how much life insurance you need. With an estimated figure in mind will make it easier to select the right life insurance.

Life Insurance Agents

Buying life insurance is like buying car insurance. You work with insurance agents who will help you weigh the options and make a decision about the type of policy you should have. When looking for life insurance agents, you want to talk with at least three different agents to make sure that you fully understand the options available. Shopping around is important.

If at any time during the call with a life-agent about the different options you feel like they rush you or pressure you to view a larger policy than you need to buy, or they are simply not taken the time to get things to explain to you, it's in your best interest to walk away. Life insurance agents are considered to explain the options and you understand your own needs help and how life insurance can help, then again to let you make your own decisions about the type and amount of insurance you want to wear. These are important considerations, as many life insurance agents are paid on commission, so it is in their tendency to push more expensive policies to consumers.

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Invest Different Types of Shares or Stocks

Invest Different Types of Shares or Stocks

Almost all shares traded on stock exchanges are common shares, which are those we have described so far. Are entitled to participate in and benefit sharing in the assets resulting from liquidation, the preferential subscription in the issue of new shares or convertible bonds, to attend and vote at general meetings of shareholders and to challenge corporate resolutions.

Other types of shares that have little nuances in terms of the rights incorporated, how the preference shares, registered, non-voting and redeemable.

For the investor is much more interesting to meet other criteria of classification

According to the "quality" of the issuing company

Values star or "blue chips" - are shares of companies with strong economic and financial structures, either within their sector and also tend to pay dividends. Values are high market capitalization and high liquidity, so that investors rarely have trouble selling them.

Values speculative or "peas" - Located on the other end are the shares of companies of any sector, small to medium size and small-cap, incorporating a high speculative component and therefore a high risk.

As "cyclical" regardless of the sector

Cyclical Stocks - They belong to companies whose profit generation is linked to the general trend of the economy. The products or services of these companies are less in demand by consumers for negative economic cycles and defendants during buoyant periods. Examples: Automotive industry, airlines, steel, construction.

Defensive Stocks - At the other extreme are the shares of companies less affected by the ups and downs of the economy. These actions are more stable during hard times because consumer demand does not decrease as dramatically during negative cycles. Examples: Electric Companies, food, ...

Stocks such as "income"  (income stocks) - These are stocks of companies such as "blue chips" that generate dividend income on a regular basis. Its share price is usually high, and the investor does not expect to make profits for their appreciation (capital gain), but are considered less risky stocks long term. Example: Electric Companies

Stocks "value" (value stocks) - are actions that are considered cheap in relation to other companies in comparable industries and sizes or have a good price / earnings per share (PER). The investor buys this type of action with the hope that the quoted price is adjusted upwards, thus producing a surplus.

Stocks "growth" or "revaluation" (growth stocks) - These are stocks of companies with estimated sales growth and profits. Normally they do not pay dividends, so the investor seeks profitability through appreciation in the medium and long term. They usually have medium-high prices relative to their current benefits. A subdivision of the class actions is "aggressive growth", which are the most risky.

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Where To Invest Your Money In 2012?

Where To Invest Your Money In 2012?

The first two steps in managing the money include, setting goals and making a monthly budget. Only after doing this we can start talking about how and where we keep our savings and where to invest money.
If we skip the first two steps, most likely, not the third step we will pay all due attention and finally the results are not expected.

Save some money should not be our ultimate goal, although this is an important and necessary step on the road to financial success. The money saved in labor income has not kept at home or in a checking account because in this way, for every day that passes, we will lose purchasing power, the savings have to invest so as to make a profit.

Given the uncertainty about the global economy's main concern in the financial landscape is where to invest, comparing traditional alternatives with less conventional options.

In this context, investors are turning to fixed income investments that provide lower yields while producing low levels of risk. Businesses such as CDT's, certificates of deposit, consisting of the deposit of an amount of money over a period of time in exchange for a return previously established where the greater the time and the amount to invest, the more will also return.

Investments in equities have higher returns but with higher risk because although estimates are not known with certainty the final result.

Looking at investment options less conventional real estate funds are emerging as a good alternative to combine the security of real estate business in the profitability of commercial businesses.

This method consists in the joint purchase of real estate projects such as shopping centers, offices, warehouses and local outdoor class tenants through Real Estate Investment Trusts.

Investment in real estate funds generated returns combined, first perceived the product fixed monthly rents of buildings and other self-recovery of an investment in real estate.

The joint acquisition diversifies the risk, minimizes administration costs, minimizes the potential impact of unemployment of one of the buildings and provides outputs in case you want to liquidate the investment, all with the continuous support of experts and administration of a Trust increasing the level of confidence in your investment.

There are many ways to invest in and according to our knowledge, experience or risk we are willing to take invest in one form or another. What all have in common expert investors, regardless of whether conservative or to risk a lot, is diversification.

We must diversify our investments. Never, under any circumstances, invest all your money on one product or one sector. Do not bet everything on one card. If you hand out your investment in different markets, different types of securities, the loss of one may be offset by credits earned in the other.

You may not have ever spent, and now you're thinking that successful investing is something reserved for a handful of people lucky or special skills needed to do and it is not at all. Anyone can become a successful investor, but as everything in life is not easy, it has to spend much time preparing. You cannot expect to invest in the stock market without knowing a thing about stock market and become a millionaire in the blink of an eye, it can also occur, but it is highly unlikely.

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Investment banking Banking A series on financial services

Investment banking
A series on financial services

An investment bank is a financial institution that assists individuals, corporations and governments in raising capital by underwriting and/or acting as the client's agent in the issuance of securities. An investment bank may also assist companies involved in mergers and acquisitions, and provide ancillary services such as market making, trading of derivatives, fixed income instruments, foreign exchange, commodities, and equity securities.
Unlike commercial banks and retail banks, investment banks do not take deposits. From 1933 (Glass–Steagall Act) until 1999 (Gramm–Leach–Bliley Act), the United States maintained a separation between investment banking and commercial banks. Other industrialized countries, including G8 countries, have historically not maintained such a separation.
There are two main lines of business in investment banking. Trading securities for cash or for other securities (i.e., facilitating transactions, market-making), or the promotion of securities (i.e., underwriting, research, etc.) is the "sell side", while dealing with pension funds, mutual funds, hedge funds, and the investing public (who consume the products and services of the sell-side in order to maximize their return on investment) constitutes the "buy side". Many firms have buy and sell side components.
An investment bank can also be split into private and public functions with a Chinese wall which separates the two to prevent information from crossing. The private areas of the bank deal with private insider information that may not be publicly disclosed, while the public areas such as stock analysis deal with public information.

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The process of insurance has been evolved to safeguard the interests of people from  uncertainty by providing certainty of payment at a given contingency. The insurance principle comes to be more and more used and useful in modern affairs. Not only does it serve the ends of individuals, or of special groups of individuals, it tends to pervade and to transform our modern social order, too. The role and importance of insurance, here, has been discussed in three phases: 1) uses to individual 2) uses to a special group of individuals ie business or industry and 3) uses to the society.

1. Insurance provides security and safety
The insurance provides safety and security against the loss on a particular event. In case of life insurance payment is made when death occurs or the term of insurance is expired. The loss to the family at a premature death and payment in old age are adequately provided by insurance. In other words, security against premature death and old age sufferings are provided by life insurance. Similarly, the property of insured is secured against loss on a fire in fire insurance. In other insurance, too, this security is provided against the loss at fire, against the loss at damage, destruction or disappearance of property, goods, furniture and machines, etc.

2. Insurance affords peace of mind
The security wish is the prime motivating factor. This is the wish which tends to stimulate to more work, if this wish is unsatisfied, it will create a tension which manifests itself to the individual in the form of an unpleasant reaction causing reduction in work. The security banishes fear and uncertainty, fire, windstorm, automobile accident, damage and death are almost beyond the control of human agency and in occurrence of any of these events may frustrate or weaken the human mind. By means of insurance,however, much of the uncertainty that centres about the wish for security and its attainment may be eliminated.

3. Insurance protects mortgaged property
At the death of the owner of the mortgaged property, the property is taken over by the lender of money and the family will be deprived of the uses of the property. On the otherhand, the mortgage wishes to get the property insured because at the damange or destruction of the property he will lose his right to get the loan repayed. The insurance will provide adequate amount to the dependents at the early death of the property-owner to pay off the unpaid loans. Similarly, the mortgagee gets adequate amount at the destruction of the property.

4. Insurance eliminates dependency
At the death of the husband or father, the destruction of family need no elaboration. Similarly, at destruction of property and goods, the family would suffer a lot . It brings reduced standards of living and the suffering may go to any extent of begging from the relatives, neighbours or friends. The economic independence of the family is reduced or , sometimes, lost totally. What can be more pitiable condition than this that the wife and children are looking others more benevolent than the husband and father, in absense of protection against such dependency. The insurance is here to assist them and provides adequate amount at the time of sufferings.

5. Life insurance encourages saving
The elements of protection and investment are present only in case of life insurance. In property insurance, only protection element exists. In most of the life policies elements of saving predominates. These policies combine the programs of insurance and savings. The saving with insurance has certain extra advantages-i) systematic saving is possible because regular premiums are required to be compulsorily paid. The saving with a bank is voluntary and one can easily omit a month or two and then abandon the program entirely. ii) in insurance the deposited premium cannot be withdrawn easily before the expiry of the term of the policy. As contrast to this, the saving which can be withdrawn at any moment will finish within no time. iii) the insurance will pay the policy-money irrespective of the premium deposited while in case of bank-deposit, only the deposited amount along with the interest is paid. The insurance, thus, provides the wished amount of insurance and the bank provides only the deposited amount. iv) the compulsion or force to premium in insurance is so high that if the policy- holder fails to pay premiums within the days of grace, he subjects his policy to lapsation and may get back only a very nominal portion of the total premiums paid on the policy. For the preservation of the policy, he has to try his level best to pay the premium. After a certain period, it would be a part of necessary expenditure of the insured. In absense of such forceful compulsion elsewhere life insurance is the best media of saving.

6. life insurance provides profitable investment
Individuals unwilling or unable to handle their own funds have been pleased to find an outlet for their investment in life insurance policies. Endowment policies, multipurpose policies, deferred annuities are certain better form of investment. The elements of investment ie regular saving, capital formation, and return of the capital alongwith certain additional return are perfectly observed in life insurance. In india the insurance policies carry a special exemption from income-tax, wealth tax, gift tax and estate duty. An individual from his own capacity cannot invest regularly with enough of security and profitability. The life insurance fulfills all these requiremens with a lower cost. The beneficiary of the policy-holder can get a regular income from the life-insurer, if the insured amount is left with him.

7. life insurance fulfills the needs of a person
The needs of a person are divided into a) family needs,b) old-age needs,c) re-adjustment needs,d) special needs,e) the clean-up needs.

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Importance Of Marine Insurance

Importance Of Marine Insurance
In the commercial age of today marine insurance has become most important insurance in the field of insurance. The importance of marine insurance is describe below in detail.

1. Importance Of Marine Insurance For The Individual

A person has to import goods from another country which is located on the other side of sea for his business. While carrying goods from other side of sea businessman may have to face dacoits or goods may be damaged because of sinking of ship into the water. So businessman has to experience economic loss. By the result of loss person may be discouraged to engage in business. But when one insures his/her property in marine insurance does not have to face with economic problem because marine insurance provides compensation to the insured against the loss of property.

2. Importance Of marine Insurance For Shipowner

Expensive ship may be destroyed due to different types of risks on the marine venture. Shipowner may have to experience with larger amounts of loss due to the destruction of the ship. Marine insurance provides compensation of loss to the shipowner . So, marine insurance is important insurance for shipowner.

3. Importance Of Marine Insurance For Freight

Freight insurance is also included under the marine insurance. Freight refers to the revenue that a cargo ship earns or the money which is paid to the shipowner for transportation of goods from one part to another. If businessman does not pay freight of his goods to the shipowner, shipowner may have to experience economic loss. If such types of loss occurs insurance company indemnifies the shipowner to marine insurance. So marine insurance is very important for the freight.

4. Importance Of Marine Insurance For Cargo Owner

A businessman wants to be secured for his goods. Especially countries which are located on the other side of sea , businessman may have to use marine venture. Marine insurance keeps them away from worry and fear or all responsibility of cargo owner is transferred to the hand of insurance company that provides compensation to the cargo owner if loss occurs.

5. Importance Of Marine Insurance For The Government

International trade has been increased due to the marine insurance. As international trade increases government also can receive economic profit. Government increases revenue by including extra income tax. So marine insurance is important for the government also.

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Types of insurance

Types of insurance

Although there are different types of insurance it is classified into two groups.

1. Private Insurance:
2. Government insurance:

1. Private insurance includes the following types of insurance

a. Life Insurance
b. Health insurance
c. Fire insurance
d. Marine insurance
e. casualty insurance
f. Auto insurance

2. Government insurance includes the following types of insurance

a. Social Insurance
b. old age, survivors , and disability insurance
c. Medicare insurance
d. workers compensation insurance
e. compulsory temporary disability insurance
f . Railroad retirement insurance act
g. Railroad unemployment insurance act
h. Other Government Insurance Programe.

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Why Cancer Insurance? By Lordan Wellness Insurance Pays You!

Why Cancer Insurance?
By Lordan
Wellness Insurance Pays You!
Unique Wellness Program
Unique Wellness Program

I have been an insurance agent for over 20 years. In all of those years I have never seen an insurance policy that knocked my socks off until now! My goal with this article is to teach more people about the importance of cancer insurance due to the low premium cost and the high probability of cancer.

It's hard to say, who needs this policy. No one likes to think they'll get sick but sticking your head in the sand is not a proactive plan of attack either. My grandmother died of lung cancer but she smoked…I've never thought it would happen to me. But I was wrong, I was affected by cancer when my newly wedded husband, at age 32, was diagnosed and so the whirl wind of medical bills (even with health insurance), time off of work, medication, therapy…on and on and on…bleed every little savings we had and then tore through my house, leaving nothing but devastation along its path. I know this firsthand…who needs to worry about bills when your family is being torn apart…I wish I knew then what I know now!

There are some that are higher at risk than others, because either they smoke, or they do have genetic reasons. These people should not even hesitate with trying to find this coverage suitable for their needs. But what about the rest…those don't have a family history of cancer, that don't smoke and wonder, "Do I really need this policy?" Read on…there are many reasons why to have this and there's no sure fire way to say it'll never happen to you or to your loved ones.

Let's begin with the reason I love most about this policy, the huge wellness insurance benefits. We get paid to take care of ourselves. There's nothing else out there like this…when you go in for your annual mammogram, you'll get paid, the cost of the test with a max of $200. Same thing when you go in for an annual Pap test - You'll also get the same exact benefit. Then there's an array of wellness tasks like chest x-ray, mole removal, other blood related cancer detection tests like the PSA test for men, as well as a colonoscopy that you'll also get paid for.

So what does that all mean…the annual premium for the cancer policy is $362.40 for a 45-year-old with the best plan with the ICU coverage. For females, you can get back a maximum of $500 for your wellness test mentioned above. All with never being diagnosed with cancer. I'm not kidding you, we have testimonials from our clients posted, this is not a joke! To me this is like having a savings account handy in case of devastation without having to put the money away - It's a win-win situation!

Now, you may ask is this just for wellness tests? No, it's there for you in the event of being diagnosed with cancer. Some of the benefits are listed below:

    * Lump sum first occurrence benefit.
    * Doctor's visits
    * Hospital confinement
    * Second doctor's opinion
    * Home recovery
    * Private Nursing
    * Bone marrow transplants
    * Surgical procedures
    * Ambulatory surgical center
    * Prosthesis and reconstructive breast surgery
    * Ambulance
    * Waiver of Premium Feature
    * Transportation and lodging benefits
    * Intensive care rider – This is for any accident or illness!
    * Radiation and chemotherapy
    * Plus more…

Two unique features I'd like to expand upon. First being the transportation and lodging benefits. What does this mean? This policy will pay for coach fare for you and one family member to travel to another facility. This will also help pay for your lodging as well. Let's say you've been diagnosed with lung cancer and heard that the hospital in Texas specializes in your recommended treatment but you live in California. You won't have to break the bank coming up with money for these unexpected traveling expenses – things your health insurance would never pay for. Have the best care available to you by having this policy!

The other feature I'd like to point out is the most unique of all…the intensive care rider. If you or any family member listed ends up in the ICU for any reason, accident or any illness (some exceptions for self intentional self inflected injury) we pay you a set benefit per day. For an example on our premier policy the benefit is set at $800 per day up to 45 days of continuous confinement. This benefit will also pay for the actual cost of transit transportation by ambulance (In conjunction with the visit to the ICU unit). This feature alone can help your family fill in the deductible on your health insurance - no other cancer policy has this!

Did you know that health insurance will only pay for about 65% of the cost related to cancer? All of these benefits paid to you will fill in the gaps, helping you to financially survive cancer. Whether it is the electric bill or the groceries, this money is for you to spend as you see fit. I know personally that having to worry about the bills, plus having a loved one going through surgeries, the mental and physical challenges can be so overwhelming - to anyone. With cancer insurance, you can stop this from happening by having the most affordable supplemental health-care available with Allstate Insurance.

Most often, I am asked, what if my health insurance will cover all of my wellness tests and cancer treatments. My answer is, "that's wonderful!" but remember, cancer insurance is for you and will be paid to you. Kind of like a disability policy pays you when you cannot work. So whether you're using this money to help fill in your health insurance deductibles, paying your co-pays and so many other things that health insurance will not cover or if you're using this money to help pay the bills. It does not matter. The benefits are there for you to use the money as you see fit. Here's an example of how it can add up:

   1. First occurrence benefits: $2000.
   2. Hospital confinement: $350 per day.
   3. Drugs benefit: $250 per confinement.
   4. Second surgical opinion: $250
   5. Surgical procedure: $9000 (varies by surgery).
   6. Anesthesia: $2250 (Up to 25% of surgery)
   7. Comfort medication: $200
   8. Blood work: $150 per day
   9. Attending doctor, $40 per day
  10. Reconstructive breast surgery: $3000 max

All of the about add up $17,490!

Let's look at the ICU benefits now:

   1. $800 per day for four days = $3200
   2. $1100 for the ambulance

Total paid to you: $4300 for a car accident or a stroke.

There are other companies that offer the cancer insurance coverage but none at such a low price along with the financial strength of a well-known company like Allstate insurance. And let's not forget, the best wellness test benefit available! Oh, and you would have to purchase a separate policy to get coverage for accident…remember our unique ICU coverage offered – this really makes sense!

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Denial or Underpayment of Benefits under Cancer Insurance Policies

Cancer Insurance Policies Tips
Denial or Underpayment of Benefits under Cancer Insurance Policies

Insurance companies are in business to make a profit. Not paying a claim, delaying a claim payment, or offering an inadequate settlement all help increase profits. At the Bohrer Law Firm, we help clients nationwide receive the benefits they need and are entitled to under their cancer insurance policies.
We are here to help you.
Call 225-925-LAWS (5297) or 1-800-876-3911 or E-mail us. No fee unless we collect for you.

Cancer insurance policyholders who have been paid benefits under a supplemental cancer insurance policy may be entitled to additional compensation.

The Bohrer Law Firm is investigating the possibility that supplemental cancer insurance company policyholders may have only been paid a small portion of the benefits to which they are entitled from supplemental cancer insurance companies under their supplemental cancer insurance policies.

Some supplemental cancer insurance policyholders were guaranteed, under their cancer insurance policies, that they would receive benefits based on the "actual charges" that appeared on their medical bills. Despite this guarantee, some supplemental cancer insurance companies changed their adjusting practices without policyholder consent or knowledge.

Policyholders who filed a claim prior to 2002 received full benefits based on the amount that appeared on the physician's bill ("actual charges"). The payment of benefits did not depend on the discounted payments of medical expenses by other major medical insurance.

Since the change in the adjusting practices of some supplemental cancer insurance companies, the benefits are now paid on what the physician accepts as full payment for the services. Thus, the supplemental cancer insurance companies now pay benefits based on the amount accepted by the treating physicians, or better stated, benefits are paid based on the discounted amount other insurance companies pay.

As an example, pursuant to the previous adjusting practice, if the doctor billed $10,000 for a procedure, the companies would pay $10,000 or more regardless if the physician accepted less for his service.

Under the new adjusting practice, if the physician bills $10,000 and later only accepts $5,000 as full payment, the supplemental cancer insurance company will only pay $5,000.

Our firm is currently representing individuals that received the lower benefits and have alleged the supplemental cancer insurance companies have breached their insurance contracts with supplemental cancer insurance policyholders. Some of the companies that may be involved in this practice are Central United Life Insurance Company, American Public Life Insurance Company, Dixie National Life Insurance Company, Commonwealth National Life Insurance Company, American Fidelity Assurance Company, and Life Investors Insurance Company.

If you or a loved one has suffered from financial hardship when your claim for supplemental cancer insurance benefits was denied, you may qualify for damages or remedies.

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What is Car Loans?

Q : What is Car Loans?
A : Car Loans are designed for those who wish to finance a car for personal use. It is the way you can borrow money from future. A car loan can give you immediate use of the car of your choice in exchange for regular payments over an agreed period of time.
Q : How about Features of Car Loans?
A : Before you make a decision on car loan which you choose, make sure that your financier offers them. Generally the features of car loan are detailed as follow.
- Payments can be arranged to suit your requirements.

- Cost like Registration cost, Road cost, Loan insurance & Comprehensive vehicle insurance may be able to be financed on the loan contract.

- For repayment, you can choose monthly or fornightly to pay during normally terms range from 12 to 60 months.

- A deposit may not be required, moreover if you do, maybe you will receive some benefits like lower repayment or shorter term.

Q : What is benefit for you?
1.If you also use your car for business purposes you may be able to claim part of the interest and depreciation charges as expenses against your taxable income.
2.Payments may be able to be made by direct debit from your nominated bank account.
3.You may build up equity in the asset.
4.Fixed payments for the term of the agreement allow for more accurate budgeting and protect you against interest rate fluctuations.

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InflexCapital - Where Your Money Never Sleeps

InflexCapital - Where Your Money Never Sleeps

Hi guys, welcome back to SMI!

The last few months have been an absolute roller coaster ride. With the rise, and the inevitable fall, of programs such as Royalty7, the entire HYIP industry experienced a huge jump in terms of number of investors. Finally, the industry is coming back on its feet!

As much as I would like to post regularly, I felt that there weren't that many quality programs that absolutely deserved our attention. Of course, now that Royalty7 is over, you might perhaps be wondering what else would I be posting about?

Well, to be honest, while I don't think today's featured program will be considered "revolutionary" in the industry, I do feel strongly that there's something behind this sleeping dragon that might prove itself to be another profitable investment.

Welcome, InflexCapital -- where your money never sleeps!
Inflex Capital

InflexCapital, at first glance, glows with visual candies. The site is beautifully designed, with a huge table that clearly lays out all the plans. The layout is easy on the eyes, and it is user-friendly as well. On top of the site are several tabs that lead to an About Us page, an Investment page, a Contact Us page and so on. The texts are all original, and I think that's a very good indicator of a serious program. Most of us know by now that there is a pool of corrupted, lazy admins who could care less about the texts on their sites so long as they're making money. Well, not this one. Not InflexCapital. For me, they've already succeeded in capturing my attention.

For those seeking a Monitoring/Partners page, there's a link located down at the footer (bottom part) of the page. It's at the bottom left. The title is Monitoring, which leads to a page that lists the forums and monitors currently featuring InflexCapital. As of this writing, however, InflexCapital only has a monitor listed there. Seems like the team is still contemplating on which monitoring partners to work with.

My personal take on this: Great! Because I'm absolutely tired of paid monitors who do nothing BUT post payment proofs on forums. Those are literally brainless tasks that any monkey can do, and the act itself doesn't say much about the program besides the obvious fact that they're paying spare change for these monkeys to post. Sites that list a whole ton of monitors usually are able to do so using investors’ funds. In such a case, having a lot of monitors is definitely not a good idea.

I want to see actual paying investors getting paid, because those people are the ones keeping the high yield programs afloat, and more importantly, they are the ones who provide useful insight into the longevity of the programs.

Moving on to the payment plans:
There are 3 payment plans offered at the moment.

Standard Plan     Enterprise Plan     Corporate Plan
Pays 2% daily     Pays 3% daily     Pays 4% daily
Min: $10     Min :$500     Min: $500
Max: $10,000     Max :$10,000     Max: $10,000
Investment Period: 30 calendar days     Investment Period: 30 calendar days     Investment Period: 30 calendar days
Pays on business days only     Pays on business days only     Pays on business days only
Early Withdrawal: 30%     Early Withdrawal: 40%     Early Withdrawal: 50%
No prerequisites     Note: Requires Standard Plan     Note: Requires Enterprise Plan

(They charge a 5% service fee for withdrawing your principal upon maturity)

While the FAQ states that they will pay within 48 business hours, the admin says the time frame provided is a "worst-case scenario". In reality, you should be expecting them to pay within 24 - 48 actual hours. Personally, I've requested several referral commission payments and also my several payouts already, and all of those were processed in very timely fashion (about an hour). In any case, if you need help, they're almost always on LiveChat or forums. I've been pestering the team on LiveChat asking for more info. My suggestion is to take full advantage of that to get to know the admin at a more personal level. You never know -- he might reveal himself to be the admin of a very successful program in the past :)

In essence, the plans are lucrative, but somewhat sustainable in the industry. Considering back in the day when 30% a month was considered extremely risky, 2% a day seems like a relatively safe investment. If you'd like to take a bigger chance, you can move up to Enterprise Plan, which offers 3% daily, or essentially 66% a month, for a minimum of $500.

I like the fact that there's a nice calculator in the back office because sometimes calculating profit paid on business days can be confusing. While the calculator remains a nifty tool, it is not to be fully trusted because it is simply an estimation based on a 22 business-day month. Nevertheless, it's still a cool little eye-candy that will no doubt attract a few investors.

I believe a script is a reflection of the admin's sincerity and honesty. If it is an untouched, unlicensed GoldCoders' script, that's a big RED flag.

In this case, while the admin has done quite a few modifications to the script, it is still largely a GoldCoders' script. Yes, I am a little skeptical at first, but the admin explains himself clear enough that I trust his decision to be a wise one. Again, the old adage applies here: “why fix something if it’s not broken?”

Backtrack a little, GC scripts used to be the no.1 most popular script in the industry. Why? Read here to find out more. As such, pirates started to make copies, horrible job at that, and distributed it "generously" online.

One would think who would be so dumb to distribute a paid script freely online? Well, the real question is: who wouldn't?

The pirates apparently created bugs/loopholes in the script prior to releasing it online. That's like injecting a stray dog with zombie virus before releasing it into a homeless pet shelter -- once it gets out there, it spreads like a wildfire! Indeed, unsuspecting downloaders started to use this newfound free script on their sites, only to find it hacked within days with no trails left behind.

Hence, people started to have their suspicions whenever a GC script is used in a program.

Nevertheless, in this case, InflexCapital has modified the script to fit their own tastes, and they also plugged the loopholes in the script. The effect is two-fold:

    they manage to achieve a somewhat customized script for the price of a off-the-shelf program

    they ensure security and peace of mind of investors

With that said, I believe the script is a plus point for InflexCapital. Many would definitely suggest otherwise, but I prefer to let time tell the story. So far, the program itself has been paying consistently, and the admin has not reported any malicious attempts from anyone to hack into their script.

If the script bothers you, fear not -- there's SSL and Ddos protection available as well. InflexCapital purchased a 3-year long domain name, complete with SSL verification from Comodo and also Ddos protection with dedicated IPs from GeniusGuard. The site is hosted on Staminus and appears to be relatively stable. GeniusGuard may not be the most popular host in the industry, but at this point, they have been keeping the site online for the most part. Again, if it’s not broken, why fix it?

 Admittedly, InflexCapital is doing fine as it is. Nonetheless, in today's market, I feel the abovementioned are bare minimum to be competitive with the likes of similar programs. Nevertheless, I still give the admin thumbs up for trying to be competitive, and indirectly showing that he is serious about this. My take: compared to other beautifully designed sites with virtually no one to talk to if anything happens, I prefer a program like InflexCapital because they are always on LiveChat and I like the fact that I can chat with someone when something is happening. If my experience is anything to go by, a strong support system goes a long way towards ensuring long-term success.

Payment Processors:
This is perhaps one of the most disappointing features for me. So far, only LibertyReserve and PerfectMoney are offered. In any case, a serious program needs to have at least SolidTrustPay(STP) or Payza as well to be competitive.

The site Knowledgebase(FAQ) states that the addition of both STP and Payza is in the pipeline, and the home page clearly states that STP and Payza are coming soon as well. I believe if these two payment processors come as promised, InflexCapital will leapfrog over many other programs in the industry. If we take a look at their Alexa graph, they’ve been slowly climbing the ranks. As of this writing, InflexCapital is hovering between the 800,000+ mark, which is a considerable jump from 2,000,000+ 5 days ago when they first started. The traffic is increasing gradually, and in contrast with short-term high return programs, InflexCapital appears to be growing at a steady pace. As such, once they add more payment processors to the mix, I forecast greater things for them.

Payments are done manually as stated in the FAQ, but as I said earlier, the team at InflexCapital are on the ball with this. Payments are done almost instantly, and no hassle in requesting a payout. Simply go to your backoffice, one-click, and the profit's in your account in a few hours, or sometimes even minutes. I have requested about 8 payouts so far, and each and every one of those has been processed within an hour. Of course, if your payout has been pending for more than 8 hours, LiveChat is available and you can contact them to find out about your payment.

On one hand, it is a disappointment that payments are not instant. But on the other, I believe that this could prove to be a wise move in the long run. Especially considering the fact that LibertyReserve has had numerous serious API issues recently, I can only imagine the chaos that will ensue if InflexCapital switches over to instant payouts.

I think what InflexCapital lacks in polish, they make up for it with enthusiastic and helpful support staff. There are 4 ways of reaching the admin:

    through Contact Us page

    through LiveChat

    through Facebook

    through forums such as Talkgold and MoneyMakerGroup

The admin is really active on the forums, making appearances every now and then, and he appears to be really responsive to comments. On Facebook, there are 2 pages there as well, one is the admin, Andrew Lucas's personal page, and the other is the official fan page for InflexCapital Returns LTD. For a young site, there's not much activity going on there, but the admin seems to post quite regularly on there as well.

LiveChat is a big plus here because it's almost always online. I've started to abuse this service :p As I said earlier, LiveChat is a great way to get to know the team, and to find out more info about their experience. I've always hated admins who hide themselves behind their computers. I find it refreshing to get a program like InflexCapital that prides itself in a robust and responsive support system, to put themselves out there so that investors can get the help they so rightly deserved. I’ve seen too many programs that have ignored the investors’ inquiries after taking their deposits, and that’s just downright despicable.

To round up my review, InflexCapital is a beautifully designed, well-prepared program. Even though it misses out on a few corners, it more than makes up for it with a robust support system. In my view, an admin's enthusiasm is a very important indicator of how long a program will last, and from what I can see, InflexCapital exudes passion and commitment.

My top points for them:

    beautiful design

    customized GC script


    responsive support

    attractive plans

My negative points:

    lack of payment processors

    restrictive plans - needing to be in Standard before I can join Enterprise etc.

I expect great things from InflexCapital, and I personally put $400 of my own money into this program.

Let's see how this goes and good luck!

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Difference between saving or investing?

Difference between saving or investing?
There are two kinds of people, really - those who have extra money left over at the end of the month, and those who don't.
I'm assuming you're one of the former, otherwise you shouldn't even be here. So what do you do with what's left over?
1) Do you put it in a bank account, and spend it whenever you have a big purchase like an LCD TV, an iPod, a camera?
2) Do you make a fixed deposit every month (or once you have a large sum)?
3) Do you buy mutual funds, shares, or other investments?
1) is a Saving. 3) is an Investment. 2) is "saving" according to me (but others will think of it as an investment) There's a difference.
An Investment is where you can grow your money significantly above inflation, after tax is applied. Remember that quoted inflation is around 5% but for real terms, it's around 6.5% a year. That means your money needs to grow ABOVE That for any real returns. An investment MUST carry some amount of risk; assured returns are usually negative post-tax and post-inflation.
Savings are everything else. Money in the bank, in a fixed deposit, hidden in your pillow etc. Even bonds and debt mutual funds, in my opinion, are "savings" - they hardly return more than inflation post tax.
You might think "No! A fixed deposit can grow at 8% a year!" Reduce tax on that amount at 30%, you'll get 5.6% left over. That's still less than inflation of 6.5%.
Shares and equity/balanced mutual fund units are investments. They carry a large amount of risk, but have the potential to grow much more than inflation. Gold and other commodities are investments too, and so is real estate, paintings (art) etc.
Within investments you have two types: cash-flow and value-appreciation. Cash-flow means you get money ever so often; royalties from books, dividends, rent (from real estate) etc. Cash-flow income is usually called "passive income"; meaning you don't have to work for it.
Value appreciation is growth in the intrinsic value of what you buy. (Note: Cars, iPods etc. are not investments. They lose value from the minute you buy them!)
Most people usually buy for value appreciation, since there are limited cash-flow options available. In India for instance, both dividends and rents are around 3% post-tax, and that's no fun. But there are a few companies that consistently give 10% dividends, and places where you can get upto 7% as rents. You just have to look harder.
Investments are your future. Savings are your present. Straddle the two - keep around 40-60% of your money in investments and the rest in savings. You need your savings to build up your purchases and pay extraordinary bills (like a pregnancy or hospitalisation), but don't forego your investments either.
If you want to ensure a stable future, invest more.
Key check:
1) It should "appreciate" in value (either through cash flow of value appreciation)
2) It should have an element of risk.
3) It should have the ability to grow more than inflation.

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Ways to Gold Investments

Gold Investment
It is true that today the majority if we are talking about gold investments, our mindset to invest directly shown in gold and or gold bullion in the form of jewelry.

However, there are actually other ways to use gold investments, including investments in marketable securities such as buying shares of gold mining companies or other derivative products such as buying gold contracts on the futures exchanges.

Essentially, there are many options for those who want to plunge in gold investment, not only the gold bullion or gold jewelry for this is widely known among the general public.

Well, for more details will be explained about gold investment in the form of eat it (other than gold bullion and gold jewelry).

Various Kinds of Investment
As was explained that there are various ways of investment gold, as gold jewelry, gold bars, gold coins, gold certificates, shares in gold mining companies, gold futures contracts.

Investment Gold Jewelry
Actually there are many risks posed to investment gold in the form of jewelry. Why? The price of gold jewelry is sold when you buy from a jewelry store was termauk smelting costs.

But when you sell the gold shops usually do not want to buy the gold price following the sale of jewelry costs peleburannya become so usual is often cut from the original purchase price. These pieces can vary, but the default is between Rp 5000-10.000/gram gold. So, if pulled over there in the jewelry of gold investing is not for profit, but rather a precaution only.

Investment in the Form of Gold Bars
In contrast to the form of gold jewelry where there is a cost peleburannya, gold bullion investment does not require smelting costs and also tend to be easy to resell. To benefit from this investment gold bars you notice peru gold price is very volatile, when prices were high where you can directly sell your gold.

Investment Gold Coins
Gold Coins ONH (fare pilgrimage) is intended so that those who want to leave the pilgrimage, this investment can be used as alternatives to save for Hajj with the currency.

Gold certificate
The investment is done by those who receive a certificate as proof of investment gold investment in a bank. Certificates can be availed at the bank where the investment is consistent with the period in accordance with the agreement.

Investment in Gold Mining Shares
Carried out by buying shares in gold mining companies. The advantage can be obtained when the gold price in the market is being shot up or bullish, the stock price will move faster than the rising price of physical gold.

The way this gold investment could be an alternative for you other than investments in other forms.

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Wednesday, 4 July 2012

Finding The Best Perth Tax Accountant To Meet Your Requirements

Tax Accountants in Perth normally provide an all encompassing service for their clientele. Nevertheless, within the last decade a lot of Perth Tax Accountants have started to specialize in key niches along with specific clients.

When selecting a good Tax Accountant for ones Perth based business as well as individual wants, you have to choose an Accountant who'll be an appropriate 'fit' for you as well as your company. It's also very important to have in mind the standard of customer service you are looking for.

Generally, an accounting firm that are providing their customers with 'complete end to end products and services to handle all accounting and also tax needs' often look similar to this:

- They are generally a large accounting agency

- Their rates will probably be on the high end in the accounting fees range

- Their degree of customer care will be a reflection of the scale of your organization and the complexness of your current business needs. The larger your organization, the better degree of support you may get. Then again if you are a smaller fish in their big fish-pond, you may not benefit from the same amount of personalized assistance as well as attention to detail that this large fish are receiving.

In reality, absolutely nothing is wrong with this image if you're a customer that is a very large business as well as comes with a high level of complexness. However, only some organizations in Perth are big and complex.

Numerous Perth Tax Accountants are actually working as a more boutique style accounting agency simply because by just providing for specific kinds of clientele, as well as supplying these solutions that are highly relevant to that client, the client appreciates the following added benefits:

- Specialist and also appropriate strategies to your accounting and taxation needs

- Personalised support along with a top level of customer support to suit your needs and also your company

- Appreciate the attention to detail along with benefits of becoming a big fish in a smaller fish-pond

- Become part of an environment where your custom is actually important for the specialist agency and you are therefore an appreciated client

If you are searching Search engines for "Tax Accountants Perth", you should take the time to investigate the agency along with the people in the particular firm to get the answers to this questions:

Does this Tax Accountant and / or Accounting agency have an online prescence?

- Who are their targeted customers? Can you determine them very easily from the website?

- Exactly what kind of products and services does this firm provide for their particular customers, and therefore are these the services I am looking for at this point and also into the future?

- What do other clients say in regards to this Tax Accountant and the particular company, and are there genuine client reviews on the web page?

- What expertise does this Tax Agent bring to the table?

- Can this Tax Accountancy firm give me the opportunity to talk with him to talk about things I am on the lookout for therefore I can find out whether he and his company are actually the right fit for myself and my company?

Finding the right Tax Accountant in Perth can be difficult as there are many to pick from. Invest time to examine their webpages, contact them, ask a lot of questions and maybe even meet with them.

Dealing with an Accountant who is the proper fit for you and your company is going to lessen your stress levels and provide value for money.

About the Author:

Additional info on how you can find the best Tax Accountants Perth for ones business please read this article on Tax Accountants Perth to educate yourself regarding selecting the correct accountant in the Perth area.

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What You Need To Know About Your Health Insurance Plan

We all know how important it is to have good health insurance coverage, but it can be harder than ever these days to know what sort of policy is best. If you aren't sure what sort of coverage you really need, this article can help answer your questions so you can find the right policy for you.

Get quotes for health insurance as you would for car insurance. You can get quotes from different companies and then compare the benefits offered from these companies. Be sure to look into each company's history and financial situation so you do not find yourself uncovered when you need it most.

If you have multiple health insurance plans, make sure you understand which is your primary and which is the secondary. Claim denials with multiple insurance companies tend to come from errors in who your provider billed first. If your secondary insurance receives the claim first, they will deny it as it is not their responsibility. Make sure you know who is billed first and make sure that you tell your health care providers.

Don't let a health insurance company bribe you into purchasing one of their plans. Many insurance companies offer new customers freebies and other exclusive rewards to entice them to purchase, however the health plans on offer can be expensive and include lots of extra converge that you may not need.

Prioritize your concerns. Do you want to stick with a certain doctor or health care facility? Do you want the lowest premiums? Do you have specific health requirements that need to be addressed? Once you make a list of your priorities, you will be able to narrow down the number of health insurance companies that are suitable for your needs.

Buying health insurance is one of the most confusing things you can purchase. You will need to find a reputable insurance company with an agent you can trust. You need to be as honest as possible on your application, and you should make sure you purchase only what you really need.

Health insurers generally charge lower rates to people who live in the suburbs. This is due to the fact that people who live in the country are exposed to fewer health risks than those who live in the city. If you move from the city to a rural area, contact your insurer and ask if you qualify for a lower rate.

Did you know that your premium rates for your private health insurance are determined in part by your weight? If you are 30 pounds overweight your rates will increase substantially because of the possibility of more health problems. Being overweight affects not only your health but your wallet as well.

Health Insurance Quote

Learn all of the different options available to you with health insurance. With all of the different plans and choices, choosing health insurance can get really confusing. Plus, you might miss an important option because you didn't even know to look for it. Use one of the online health insurance quote providers and request quotes. The service is anonymous, and it's the quickest way to see all of the options offered by different health insurers and compare policy offerings against each other so you can get the most health insurance coverage for your dollar spent.

Health Insurance For Individuals

Many people who are self-employed face a quandary about health insurance. They know they need to be covered in case of health emergencies, and yet the cost of health insurance for individuals is so high as to be prohibitive for many. Some people get around this by buying major medical coverage only. This type of policy has a very high deductible, covers no preventive care - however, it will cover situations where the person will require admission to a hospital.

As you can see from the practical tips in this article, it is easier than you think to find the right health insurance provider and the right price for the insurance coverage you need. It is never a good idea to be without health insurance and now you have the information to get the best insurance you can.

About the Author:

Secure you and your family's health needs by purchasing health insurance for individuals today. Learn how you can get the best at the most reasonable rate.

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A Tax Service Assistance Provider That Extends Help Your Way

A tax service assistance provider counts individuals and business entities among its present and prospective clients. Such firm provides expert assistance when it comes to payroll, tax and accounting related concerns. It provides solutions that can actually help the clients meet their targets and enjoy further growth. It not only guarantees the statutory compliance of the clients and helps them with their non-core business functions, but a firm like this even affords the client with the time it has been lacking before engaging its services.

Service providers of this kind can also offer professional assistance to the client especially in finding the most advantageous approach to their needs. The clients can ask questions and expect to get informative answers about their taxation and accounting concerns. Such assistance does much more than helping them fulfil their obligations as responsible citizens. Such guidance similarly educates them about the true benefits of what appear to most as burdens to their finances.

Sadly, not everyone understands the real logic behind taxes. It is also safe to say that many people just don't see how they can truly benefit from paying their taxes. As a result, they dismiss the obligation as a burden and in effect, fail to realise what taxes are really worth.

On the other hand, several companies fail to devote enough time to focus on their core business functions because the staff and the decision makers spread themselves too thin to make sure that everything is taken care of. And by handling more tasks that these people can properly manage, these businesses suffer the consequences they try hard to prevent.

These are the problems which tax service assistance firms want to address. They want to remind clients that taxes, regardless of whether it is personal income tax, corporate tax or goods and services tax for instance, are all intended to supply the funds for the government to enable it to afford a better life for the citizens. As for the time-consuming accounting works, it is possible to find a reputable third party who can perform the job accurately, efficiently and timely while ensuring the confidentiality of the information exchanged.

About the Author:

Related articles on accounting singapore

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