Mortgage protection insurance can work for you but it can only do the job it was designed to do if it is bought correctly with your circumstances in mind. It is the exclusions which stop the product from working for your particular circumstances and these are what you have to bear in mind before purchasing your policy.
Common exclusions within most mortgage protection insurance polices include only being in part time work, being retired, self-employed or suffering from a pre-existing medical condition at the time the policy is taken out. Of course there are many more and these can be found in the small print of a policy and within the key facts and must be understood.
Providing a mortgage protection insurance policy is suitable for your needs then it can be a lifeline if you were to find yourself out of work due to an accident, sickness or through unforeseen redundancy. You can choose at the afternoon to guard against coming out of work due to accident and sickness only, unemployment only or accident, sickness and unemployment together.
Cover would begin to pay out once you had been out of work, usually for 30 days or more and would then provide you with a tax free monthly income which would continue to meet your monthly mortgage repayments and help you to keep the roof over your head for up to 12 months (and with some providers, for up to 24 months).
Quotes for the cover do vary and it is essential that you get multiple quotes before making the decision to buy. The easiest way to get multiple quotes for comparison is to go with a specialist provider and let them shop around for the cover for you; you do however have to read the small print and understand the key facts of a policy before buying if you want to ensure that mortgage protection insurance would work for you. …
I just finished my first audiobook. And it was an experience worth sharing:
I had been reading reviews and blog posts and tweets about Seth Godin’s newest book, Linchpin. Went to a couple of bookshops on my way to work/home; it wasn’t available. So I went to Amazon.com to order one. I was at Amazon after a long time, and was surprised to see the options available: Kindle (ebook download), hardcover, paperback, audio CD and audio download. Audio download looked like the fastest option so I checked it out. It took me to Audible.com – an Amazon company, where an audio download was being offered for just USD7.49 with a new membership! I signed up, paid the money, downloaded the book, and started listening to it right away! The benefits:
1. It’s fast. I was listening to the book after just a few clicks in few minutes.
2. It’s cheap. Book versions were USD13-25.
3. It’s convenient. I copied the file to my iPhone to listen during my commute to and from work.
4. It’s safe. A copy each on my computer, iPhone and backup is likely to last (damage-free) as long as I wish.
5. It takes no space. So less clutter. No worries about whether to keep, sell off, recycle or give-away.
6. It’s environment-friendly. No paper, ink, chemicals.
7. It’s comfortable. For someone who spends a lot of time in front of computers or books, this is a good break for the eyes. You can listen while standing, walking or lying down.
And the disadvantages:
1. You need technology – computer, Internet access, applications like iTunes, and power supply
2. You need a handheld device to maximize the use of audiobooks – iPhone, iPod or any other MP3 player
3. You need a credit card for online purchase
4. You can’t share. I love giving away my books to someone who might enjoy/benefit. Most audiobooks can’t be shared on multiple computers/accounts.
5. You can’t refer as easily. I like to go back to particular passages in my favorite books for inspiration/information/sharing. In audiobooks, you can fast-forward to chapters but it’s difficult to go to the exact passage you are looking for.
6. You can lose it easily – unless you have a good backup system.
7. You become anti-social. Your chances of interesting conversations with strangers greatly diminish if you go around with headphones in your ears.
On balance, I think it depends on your lifestyle, circumstances and even the kind of book you want to read. Please take a few minutes to share your views through comments: Have you tried an audiobook? If not, will you? What other pros and cons can you think of?…
Nobody like to pay more for car insurance than they have to, and this is especially true in Oregon, which has some of the highest automobile insurance rates in the country.
There’s really no trick to finding affordable car insurance in Oregon. It’s simply a matter of shopping around and comparing as many different companies as possible.
Thanks to the internet and a variety of free quote services, getting comparisons is not as difficult as it used to be – but it is still tedious and time-consuming.
To save time it is advisable that you have all of the necessary information in front of you before you log onto a car insurance quote site. Having everything at your fingertips will save you a lot of time and headaches.
First, have your driver’s license in front of you. You will need to supply all the “standard” information: name, address, birth date, gender, and martial status. They will also ask for your driving record for the past 5 years. This will include a list of accidents, claims against your present insurance company, and any tickets you have received. Be truthful – they will double-check your answers.
They will also ask about your occupation and the number of years you have been employed, as well as ask questions about your credit history; drivers with good credit get a break on their auto insurance rates.
They’ll want to know how many people will be driving the car and their ages and genders, and they will ask if you rent or own your own home (homeowners often get a slightly lower rate).
In addition they will need information about the car you will be insuring. They will need your vehicle’s year, make, and model, as well as any anti theft devices or safety devices the car has. They will also ask if you own your vehicle or if it is being financed. You will also need to have your vehicle’s VIN number. The VIN number can be found on the driver’s side dash board under the windshield or in the glove compartment on the right hand side.
They’ll want to know if your vehicle is used primarily for business or pleasure and approximately how many miles you drive each week.
Finally they’ll ask about your current insurance and then ask what types of coverages you want and what deductibles you’re considering.
Even though it seems like a lot of information, most of it is fairly standard information that you will know off the top of your head. The rest you will need to gather.
The payoff for the effort you’re making will be affordable car insurance month after month, year after year – and for most people that’s worth an afternoon of online comparison shopping any day!…