Blog Archives

What goes into my rating info, how are my car insurance rates

Your auto insurance rates are determined by a number of factors: -driving record -usage, how you are using the vehicle, work, pleasure, business -how many drivers you have and their ages -how many vehicles you have -what kind of coverage limits you want -what area you live in -your payment history -what color car you drive -your insurance credit score -your claims history -your occupation and how many years you have lived at your current residence -how fast you can solve a Rubix ...
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Bread, Milk and Car Insurance

With increased competition between supermarkets to gain market share and improve profitability, the range of products on offer is getting ever diverse. Now, the big three chains, Tesco, Sainsbury's and Asda have caught on to the fact that their brand name can sell just about anything, including of all things, car insurance. Car insurance is one of those very boring expensive products that you loathe having to pay for but have no choice if you want to drive a car on Britain's roads. Why ...
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Health Insurance 101 for Individuals and Families

The changing healthcare and health insurance landscape in the United States has resulted in more individuals and families purchasing health insurance coverage on their own. Rather than touch on the number of reasons why this is the case, I would like to provide individuals and families finding themselves in this position with ten basic ideas to assist them with getting the best health insurance policy for their specific situation. Below is a combination of ten questions and suggestions ...
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Start Up a Travel Photography Business

Too many people have the idea that being paid to take photographs of exotic places is the ideal job. It may take years of effort to be paid by magazines such as the National Geographic, but are there better ways to become a travel photographer. As most people have more leisure time, more holiday time, and more disposable income, the demand for travel photographs has increased dramatically. Not only are they in demand for travel brochures, but they're also used extensively in other advertising ...
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Buy Health Insurance Online and Save

It is now possible to thoroughly research and buy health insurance online. Without health insurance, the smallest of incidents, accidents, or illness can leave you with expensive medical bills that most people would have difficulty paying. Even a short check up at the doctor's office for a sore throat, or minor illness can cost a couple hundred dollars. It's important for everyone to obtain health insurance, no matter how healthy you tend to be- because you simply cannot predict what might ...
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How Much is In-store 'Insurance' costing You?

REPRINT GUIDELINES: Please feel free to reprint this article in your ezine or on your site, as long as you leave all links in place and include the resource box as listed above. A quick email to inform me would also be appreciated. Thanks. TITLE: How Much is In-store 'Insurance' costing You? AUTHOR: Colin Mc Caig EMAIL: mailto:colin@cmcaig.com AUTORESPONDER: mailto:warranties@demandmail.com WORD COUNT: 475 KEY WORDS: Extended warranties, bad deal, shop around DESCRIPTION: Extended warranties ...
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Health Insurance Plans and their Differences

Health insurance plans have changed dramatically over the past ten years, and American's currently have several different options to choose from- including HMO's, PPO's, fee-for-service plans, MSA's and major medical. There are two main categories of health insurance plans that each of these policies is classified as; managed care plans and indemnity care plans. The differences between each of these plans mean the differences in how you will receive health care when you need it. Managed care ...
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Update on Student Health Plans

A highly effective but little-known strategy for controlling medical insurance costs will become a bit less attractive after September 1 when the nation's leading issuer of medical insurance raises rates for policyholders over age 29. This change primarily affects self-employed individuals who maintained their own health insurance plans after graduation from college. Students who purchase private medical insurance enjoy more liberal coverage than the plans typically offered through ...
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gomembers' etrak selected by Texas Department of Health

[Herndon, VA] --- gomembers, Inc. (http://www.gomembers.com), reported that the Texas Department of Health (TDH: http://www.tdh.state.tx.us) has selected gomembers' etrak to add an online component to compliment their existing meetingtrak solution. 'As a current meetingtrak user, etrak will offer TDH a streamlined approach to their member and meeting registrations,' explained Jay Barrett, Vice President of Operations for gomembers. 'The ability to harness the Internet will cut down ...
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How to successfully negotiate personal injury insurance claim -

How to successfully negotiate personal injury insurance claim - Handling the First Call from the Insurance Adjuster No recording from the insurance adjuster Remember, ABSOLUTELY NO RECORDING! This is a primary, cardinal Number One Rule. What you say CAN and WILL BE USED AGAINST YOU. She may try to get into your personal life: Are you married? Do you have kids? Where do you work? What do you do? Etc. Again, deflect all of those questions and tell her there will be more than sufficient time for ...
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Can Cell Phones Harm Your Health?

It seems like everywhere a person goes there is at least one person in view with a cell phone to their ear whether it is on the road, in a store, in a parking lot, walking down the street, etc. Even in places where cell phone usage is banned such as concert halls or movie theaters there is the occasional offender, or more likely, at least a few people using the text messaging feature on their phone. Cell phone usage has exploded over the past decade and continues to rise. Nearly two hundred ...
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Buying Auto Insurance (part 4 of 4)

Continued from part 3. Think About it: You Need to Buy Insurance to Protect Yourself, Passengers, and Family Members by Purchasing Underinsured Motorist Coverage (part 4 of 4) One serious mistake is to decline UIM coverage. Some companies require that you purchase UIM in the same amounts as the liability insurance. However, many companies, depending upon state law, are authorized to sell denominations of UIM coverage less than the liability limits. The insured thinks that he is providing some ...
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Make money finding ways to cash in on the travel and tourism

Even after the events of 9/11 and what followed it which have made the world a much more dangerous place to live in, the travel industry continues to grow. The 4.9 trillion travel industry has continued to show brisk growth despite all the odds. This is a clear indication that this growth is set to continue for years to come which is a unique thing to say about any industry in a world where everything has become so uncertain. It also means that anybody who decides to invest their efforts in the ...
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The Benefits of Travel First Aid Kits

Instead of trying to pack another pair of shoes in your suitcase, add a small travel first aid kit. Be prepared for an emergency on the road, in the air, or anywhere on vacation. Use an old lunchbox to easily transport the travel first aid kit wherever you go. Like first aid kits for the home, stock your first aid kit with the basics such as: bandages of various sizes, a thermometer, tweezers and scissors, gauze pads, adhesive tape, and allergy medicine. But since you will be traveling away ...
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Wheelchair Travel Tips

Traveling on Holidays has always been fun. Actually, it has become one of our itineraries during this most anticipated season of the year. But you know what guys; even disabled persons love to travel. They love to stay out of the confines of their wheelchairs, enjoy their lives to the fullest, and realize that there's still a wonderful world that's waiting for them out there. However, there are certain considerations for wheelchair users to make in preparing and planning for a travel. According ...
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Workouts That Travel

A vacation can do wonders for reducing stress levels, but it can derail a healthy fitness regimen. Even some of the most die-hard exercisers find it difficult to stick with a workout program when away from home. Sure, many have good intentions. They may even pack their workout attire. Unfortunately, their gear never makes it out of the suitcase until they're back home. But travel doesn't have to result in an interruption or complete abandonment of your healthy habits. You can still fit ...
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Buying Auto Insurance (Part 2 of 4)

Continued from Part 1- (Part 2 of 4) 11.Personal Injury Protection (PIP): Covers the treatment of injuries to the driver and passengers of the policyholder's vehicle. At its most extensive, PIP can cover medical payments, a part of the lost wages of those injured in an accident, and a death benefit. It may also extend to covering the policyholder if he/she is injured while in another vehicle or is hit by a car while on foot. It can cover members of the owner's family household. It pays for ...
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Health Plan

In business, owners create business plans and marketing plans for the New Year to help set their course for success. This becomes their template to make their dreams and business goals come true. They can then track their progress and make adjustments when necessary to keep themselves on track. But, why not do the same thing if your goal is improved health? Just imagine setting up a real action plan to address what you want to achieve and how you will go about making those goals happen. ...
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Finding the Best Travel Credit Cards

While many airlines offer enticements of frequent flier miles, there is a second prevalent option - travel credit cards - for discounting your airline travels. There is a very solid reason that these travel credit cards are so popular for avid travelers. These travel credit cards - i.e., those with a feature that lets you earn air mileage discounts as you make purchases with your travel credit card - offer a double dipping opportunity. What this means, simply, is that you now have two ways to ...
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Buying Auto Insurance (part 3 of 4)

Continued from part 3 Insurance Company Advertisements Deceive (part 3 of 4) If some of the millions of dollars spent on advertising auto insurance would be devoted to fair payment of injured insured's' own claims against their own company, we probably wouldn't even have to make mention of this. However, the advertisers' portrayal of insurance responsiveness with homey images, friendly messages, beautiful music and promise of quick claims service do not equate to quality when it comes time for ...
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The Smartest Way to Buy Auto Insurance (Part 1 of 4)

The Smartest Way to Buy Auto Insurance (Part 1 of 4) Look at a Lot More Than Just COST, Because Comparison Between Companies is Meaningless Without Research on These Three Topics for Each Company You Are Considering: 1.complaints filed with your state insurance commissioner 2.payment practices that increase your chances of being sued 3.miscellaneous topics, such as use of credit scoring to set premiums, denial of medical treatment to their own insureds, insisting on the right to deny the ...
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Health Coverage While Unemployed

A key decision that millions of Americans face each year is whether to elect "COBRA" 'HIPAA' or 'COBRA alternative' health care continuation coverage when they lose employer-provided health coverage. About two thirds of all Americans are covered by employer-provided health coverage but with the recent increase in layoffs across the country, the number of workers losing these employer-provided health benefits is at a record level. Workers typically have three or more options available and the ...
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Health Insurance for Seniors on the Web

Health Insurance For Seniors On The Net When a good friend of mine inquired where he could obtain information about medical insurance for his out-of-state, elderly mother, I told him to try the Internet. He reported back to me about a week later, in desperation: "I am giving up, I am too confused." He had taken on an overwhelming project with his widowed mother, living in another state. As the only child, and following the sudden death of his father, it was his responsibility to care for his ...
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Travel Rewards From Using Your Credit Card

Responsible use of your credit card allows flexibility and leverage as it helps people manage their money. By using the principle of interest rates in credit, it allows large and expensive purchases like buying furniture and appliances. Payment for these large purchases can be extended over a specific period to make it more flexible for the credit user. The credit card company on the other hand is able to earn income charging interest rates for credit used over a specific period of time. ...
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Do NOT File a Home Insurance Claim

---------------------------------------------------------- Permission is granted for the below article to forward, reprint, distribute, use for ezine, newsletter, website, offer as free bonus or part of a product for sale as long as no changes are made and the byline, copyright, and the resource box below is included. ---------------------------------------------------------- Do NOT File a Home Insurance Claim By Stephen Bucaro You can PAY for home insurance, but don't try to actually USE your ...
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Insurance Regulators Focus on Abusive Sales Practices

State insurance regulators are focusing their efforts on a short list of five consumer problems areas related to the improper sale of variable annuities and life insurance. The problem areas include: 1) 1035 exchanges, 2) variable annuities inside of qualified accounts, 401(k)s or IRAs, 3) failure to fully disclose costs and fees, 4) comparing sub-accounts to mutual funds, and 5) improper or unrealistic product illustrations. While the actual extent of problems in these areas is not ...
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Quick Facts on Disability Insurance

Quick Facts About Disability Insurance §The sole purpose of individual disability insurance is to replace your after-tax income in the event of an accident or illness. These policies do not provide protection from medical expenses or recovery of damages for 'pain and suffering'. §Since the benefit payments are designed to be income tax-free, insurance coverage in the amount of 2/3 of your salary is roughly equivalent replacing your net take-home pay. This is usually the maximum amount of ...
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Do I need travel insurance?

Do I need travel insurance? In the United States health insurance, unlike many other countries, you can find dozens of Blue Cross Blue Shield plans. Hundreds of regular commercial insurance and so many more health insurance plans like managed-care plans'HMOs, PPOs and PPG's. For some travelers, they may have Medicaid, and for those over 65 years have Medicare. All of these different types of plans have many various benefits, costs, deductibles, exclusions and restrictions. So think before you ...
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Insurance Service Office upgrades its gomembers' meetingtrak

[Herndon, VA] --- gomembers, Inc. (http://www.gomembers.com) announced today that the Insurance Service Office (ISO: www.iso.com) has elected to upgrade to the latest version of gomembers' meetingtrak software, as well as adding the etrak module for online meetings management. "This upgrade and module addition demonstrates ISO's continued commitment to our comprehensive meetingtrak solution,' stated Tom McGourty, gomembers' Vice President of Sales and Marketing. "Opting to add etrak, the only ...
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