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Short Term Health Insurance Plans – An Overview

Short term health insurance will provide you with medical coverage for a short period of time. This is the type of plan you will need if you plan on taking some time off of work, or if you only want something temporary for the time being. You should be able to get coverage for a period of anywhere from one month to a year, and even then you may be able to renew a plan for longer.

Unlike a lot of other plans, short term health insurance will even allow you to visit a doctor of YOUR choosing! Accidents and unexpected illness can occur at anytime, and thankfully your expenses can be covered with the right plan. Everything from hospital room costs, x-rays, surgery, tests, and medication can be covered.

You may even be able to get dental coverage. It all depends on which short term health insurance company you choose, as they all provide different options. Some states have more medical coverage options than others. Depending on where you live, you may or may not have a lot of choices. Still, you should be able to find something, you just need to take the time to look.

The costs involved with this type of insurance also vary. Many plans are expensive, but not all. Nonetheless, short term health insurance is relatively easier to obtain than most other types of insurance. Even if other insurance companies have turned you down, you should be able to qualify for some form of temporary coverage plan. You need to do a bit of studying to find out what all is available in your state. Be careful when selecting a plan. Do not rush right into it, but do not be a tenant, either. Just take your time and compare your options. …

Cheapest Car Insurance For Imported Vehicles – 5 Tips

If you own or plan to buy an imported vehicle, you are undecidedly excited about your car. Imports can be fuel-efficient, sexy and sporty. And, like any car foreign or domestic, foreign cars require a significant investment to keep you behind the wheel.

Car ownership is never cheap. There are the car payments themselves to think about. And, then you have to pay for gas, repairs … and car insurance.

Imports And Domestic: All Cars Need Insurance

Whether a car is an import or a domestic make, you are going to need to buy insurance. Purchasing car insurance is not only a legal necessity, but it is also a moral one. But, even if these concerns are not at the top of your list, there is another very good reason to buy insurance: to protect your net worth.

You see, if you skip buying insurance or buy too little, you could be liable in civil court for damages after an accident you cause. So, besides being a legal and moral necessity, buying insurance is just plain smart.

Many Imported Vehicles Are Sports Cars

Many imported vehicles fall under the sports car header. If your car is considered as such in the eyes of most insurers, get ready to pay more for insurance than you would if you owned a minivan or a sedan. However, the good news is that you can find insurers that specialize in sports cars (see below).

Types of Insurance Coverage

There are various types of coverage. In general, you will want to consider liability insurance (to cover the other party), medical coverage (to cover your party's medical bills), collision (to cover your party's vehicle repairs) and uninsured motorist (to cover your party's bills if the other party causes the accident but is not insured).

Finding The Cheapest Car Insurance – 5 Tips

Here are 5 tips for cheapest car insurance for imported vehicles:

1. Decide wherever your car is considered an sports car: While there is no universal definition for sports car, in general sports cars are going to be those that are high performance, have two doors, and have a tuned suspension.

2. If a sports car, create a list of insurance companies who specialize in sports cars: Some insurance companies specialize in sports cars, so be sure to put together a list of them.

3. If not, compile list of best insurance companies around: If your import is not a sports car, that just opens up the field even greater for the companies you have to choose from.

4. Create a list of desired coverage types and limits: When shopping for insurance to get the cheapest rates, you are going to want to get comparable quotes from multiple companies. This means getting comparable coverage. Speak with an insurance agent about which types of coverage and coverage limits you need. Then, ask for those same types of coverage from each of the other companies you contact.

5. Contact at least 5 car insurance companies: Now, …

Government Car Auctions

The Pros and Cons of Car Auctions

Government Car Auctions

Due to the world economic downturn, it has been a necessity to tighten ones belt and attempt to spend less without having to sacrifice ones standard of living. Government car auctions can be a great way to purchase highly desirable cars at highly desirable prices.

Where do these cars come from?

The source of the cars come from various places, some are repossessions of people that have not been able to keep up their mortgage payment or car repayments, others may vary from failure to pay road taxes, insurance or they might simply simply be repossessed due to The car / vehicle being involved in some type of criminal activity.

The Pros and Cons of Car Auctions

Let me point out to you the following 'Pros' and 'Cons'


1. OK, if you're buying from a government auction you're more than likely buying someone's repossession so they will probably go for a lot less than their actual market value … a lot less !!! In some cases even up to 90{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}.
However, Do not always feel guilty, it's impossible to tell where they came from, some of these cars have been confiscated from criminals who have cheated the system.

2. You can pick up some really special cars here, BMW's, Merc's, Porsche's, almost anything! Some of the most desirable cars around going at prices that are just too good to be true.

3. Its like a surprise bag / lucky dip, you'll never know what's there, there will be hundreds of cars all shapes and sizes, the choices are endless.

4. These auctions usually happene a few times per month, so you do not have rush into anything. If you started with a particular price but you were out-bid you're more than likely going to find a similar car the next time round, or even the same day.

5. There are no pressure sales, If you want to buy the car … you put you hand up. If you do not want to buy the car … do not put your hand up – the only person you have to negotiate with is yourself and not some pushy salesman.


1. In any auction, you're under legal obligation to pay for what you bid on (only if you win the bidding).
Let me create a scenario: If you bid on something and realize that you made a mistake, then the hammer goes down and you're the last bidder, there are no pullouts! Take special care when bidding and make sure you're conscious of what your limit is.

2. If you bid and win the bidding, the car is yours (after you pay for it, of course). A lot of the cars have inspection warranties, but some do not.
If you did not do your research before the purchase and suddenly you realize that there is a scratch you did not notice or the doors fall off when you drive home, …

Buy to Let Property Insurance

Buy to let property insurance is a unique insurance product specifically designed fr landlord renting out properties on short hold tenancy agreements. Choosing this kind of specific buy to let insurance is an absolute must for anyone considering becoming a buy to let landlord.

By having a regular domestic property insurance policy (not specific buy to let property insurance) can leave you not covered adequately something should go wrong. One example of the difference between a regular and buy to let policy is the amount of time you are allowed to have the property unoccupied. With many domestic policies you'll be covered if you leave your property unoccupied for a short period such as 3 weeks, for example if you go away on holiday. However when renting your property, the time between one tenant moving out and another moving in can in certain circumstances turn into several weeks or months. This covers you for longer periods such as this.

Imagine you are letting a property out, the tenant moves out. While you are letting agent is searching for a new tenant for you something happens such a tragedy over the period of a few days, causing the place to fall down. Imagine the horror when you discover that because you property insurance is not buy to let specific, you are not covered! Yes this might be a far fetched example, however it illustrates what may happen if you do not upgrade your policy to buy to let property insurance.

For the sake of a phone call and a slightly higher premium, this can save you thousands in the long run. …

Alzheimer's – Discovering the Health Insurance Options

Learning that you or your loved one has Alzheimer's disease is a frightening experience. Alzheimer's is a progressively worsening condition of the brain where a person goals who he is, who he knows and what he can do. As a person's Alzheimer's disease worsens, it becomes harder on the caregiver than on the patient. One thing that an Alzheimer patient and his family should not worry about is health insurance. There are a wide variety of options for health care to deal with the associated costs of providing long-term health care to the patient.

Alzheimer's disease often affects the elderly. For now, the government provides federally-funded insurance in the form of the Medicare program which covers many of the costs associated with the disease in those Americans 65 years of age and over who are covered by Medicare. In general, Medicare covers 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of hospitals and about 80{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of non-hospital care. Reports indicate that Medicare covers many Alzheimer's treatments such as doctor visits, physical and speech therapy, mental health care and skilled home nursing care. There is a deductible associated with Medicare. Even with Medicare, many Alzheimer patients require supplemental insurance to cover additional costs not covered by Medicare.

Often, a Medicare patient will have a form of supplementary insurance provided by a private insurance company. This type of insurance coverage is secondary to the coverage provided by Medicare and is also referred to as Medigap insurance. The coverage provided by a Medigap policy of insurance is determined by federal and state law but it can vary quite a bit. If you or a loved one with Alzheimer's disease needs a Medigap insurance policy, then you should carefully consider the policy and the coverage it provides. Read the fine print to ensure that you are getting the coverage you need.

The progress of Alzheimer's disease from the initial diagnosis to the eventual death of the patient can take years. In that way, Alzheimer's is a chronic disease. That is why it is so important to make sure that your loved one has the proper health insurance to provide coverage over the long run. If your loved one is not old enough to qualify for Medicare, you may want to look into disability insurance to cover the costs associated with Alzheimer's. Typically, that type of coverage will pay a percentage of the person's salary from when they were employed. Your loved one may also qualify for social security disability insurance, but qualification can be an intensive process and may require hearings and appearances before the coverage is approved.

If you need assistance in locating coverages to cover this condition, we can help. Please visit our website at http://www.health-insurance-buyer.com and leave your contact information so we may respond to your request and guide you. …

Insurance Facts You May Not Know

Formal insurance coverage has been arguably there for individuals and business since the late 1800’s. For the layman, though, not everything in a homeowner, auto, property and commercial policy is what it may seem.

On a practical level, it’s important to meet with an experienced independent agent to review your needs, explain options and plans and shop the network for tailored coverage at a competitive quote, while being there at your hour of a claim need.

This article serves to present the other view on insurance – fun facts that will tickle your interest and ease the seriousness of life while perhaps offering opportunities you never thought existed.

Guess what?

• While most people realize that a good driver will have a better insurance score, leading to cheaper premium rates, certain professionals, like teachers, accountants, engineers and nurses are also placed in a ‘high probability’ category to drive carefully and avoid accidents.

• There is a form of insurance for (of all things) alien abduction!

• Some coffee company executives wanted to be sure that their official taster would retain his excellent sense of taste so they bought a $10 million policy to that effect!

• Presenting the bride with an expensive diamond engagement ring is a tradition that is based on protection. A form of insurance – so to speak – the costly ring would be hers to keep as compensation in the event the groom got cold feet about tying the knot!

• Golfing in Japan becomes an expensive endeavor if you happen to be the winner – obligating you to host a celebration and sponsoring pricey alcoholic beverages for your admirers. Golfing pros often opt to buy insurance in case they win to cover the ‘damages’.

• If you wish, you can purchase a life insurance policy if you fall into a fit of laughter that kills you!

• A famous circus insured their performing rhino and elephant so that they could cushion the damages in the event of illness or death.

• Question: Who insures traveling international athletes? Answer: They get coverage from insurance companies in their home country as well as in their hosting country.

• When one avid sportsman chose to swim across the English Channel in a bathtub, he acquired insurance from a company that undertook the risk with one stipulation: the tub needed a stopper that would prevent water from seeping in!

• If you are in the market for a new vehicle, keep in mind that statistically, there are more collision claims associated with a 2-door car.…

Funding Your Bachelor Degree Education

For the average working adult, going back to school can be one of the largest investments he will make in his life. But if you have some time before you pursue your studies, instead of applying for a bank loan, why not let time and capital work for you. Even if you plan to pursue a bachelor degree in the near future, say, in three years more, you can still save for it.

First of all, you need to have a target amount. Usually, the course fees represent a large portion of the cost. Other costs are examination fees and living expenses for those who come from other towns.

Some students may choose to study full time so that they can focus on their studies. In this case, if your employer doesn’t give you paid time off to do your studies, your budget will increase significantly, as you now have to account for your entire living expenses. In addition to that, you’ll still have to continue paying for things like insurance, car, mortgage, credit card as well as utility bills.

However, expenses can be higher if the course is done part time, as the person has less time to devote to his studies. As a result, he may have to prolong the program or even have to re-sit some papers, which means additional examination fees.

How much time you have to put aside the money depends on when you plan on taking up the program. When is the ideal time to start? To get more out of a bachelor degree, it would be good to have real world working experience of two to three years, on which to reflect upon when you’re doing the units.

At least three years of working experience would be good but you shouldn’t wait too long as the motivation level will drop. Even if you commence your studies in three years, you don’t have to pay the money in one lump sum. You can save through the study period as well which, gives you more time to accumulate funds.

Many education centers and colleges have worked out interest free schemes that you can use to your benefit. You can let your money work for you while you use the interest free payment option.

There is also an option for students to pay their fees in the monthly payments over the period of study and if the amount is paid in a lump sum, students are given a rebate. Another option is a scheme in collaboration with a bank, where students pay few hundred dollars at the start of the program and nothing else for two years. Thereafter, they have the option to repay in installments upon completing their studies.

Finally, you need to work backwards; given the number of years, inflation rate and a projected rate of return to come up with how much you need to put aside regularly. However, inflation may not have a large impact if your study period is short.

Once …

Making the Most of Auto Insurance Quotes

Car insurance is highly important to our busy, rushed world. While you go about your daily business and engage in the daily grind, you would surely want to rest assured that your car is well protected. You may also decide to look at auto insurance quotes to see what packages are available to you. In order to understand auto insurance quotes and how auto insurance can help you in different cases of emergency and need, you will need to understand how car insurance works.

Auto insurance can work on one or more of three levels of coverage. The insured party, or the person driving the car, is likely to be injured, or be the cause of injury, so money must be placed in store to protect him or her. The insured vehicle can also be damaged, or break down, so money must be invested in order to protect the vehicle and prepare it for repairs. Lastly, third parties to which the vehicle and its owner may cause harm, or that can cause harm to the vehicle and owner, also have to be covered.

When you examine auto insurance quotes, you will have to check each policy for its coverage. For instance, your vehicle can be insured against theft, damage by accident, and damage by fire, and all independently. This means that you may have to pay a higher premium for the auto insurance that you want to buy.

Premium charges are simply the collective term for the money that you put into auto insurance. The amount in premium that you have to pay will be determined by a variety of factors that affect transportation. Such factors will include the characteristics of the car, the extent of coverage of the auto insurance, the driver's lifestyle and profile, and the purpose for which the car is used. Each of these factors is examined in detail before auto insurance quotes are formulated for interested buyers.

For example, gender is a factor when promotions are calculated. Annually, women average fewer miles driven than do men, and by proportion, men have a higher rate of accident involved. This is why insurance companies charge lower premiums for young women drivers, as compared with young male drivers. With age, however, premiums are generally the same.

Age and an existing driving record are also important factors to consider when promotions are calculated. Because teenagers have no previous driving record, they are more likely to have higher premiums, which can decrease if the young driver trains further. Rules are even laxer in the US: students who perform well academically, or who live far from home, may be given higher discounts on their car insurance premiums.

As you examine various auto insurance quotes, keep in mind that the cost of paying premiums can have rewards, and is determined by various factors. However, you must also make sure that you get what you pay for. You can check this by examining the terms of insurance coverage while asking yourself specific questions. …

Writing a Sample Letter For Loan Modification Application

Are you looking for a sample letter for loan modification application? So are half of the homeowners in the country. The letter you send in with your loan modification application is just as important as the application itself, if not more so. Here is a great sample letter for loan modification application for you to take example from:


Loan Number:


Phone Number:

Email Address (if applicable):

To Whom It May Concern:

I’ve sent this letter to you in order to explain my reasons behind requesting a loan modification on my mortgage. Before last year, I had never made a late payment on any of my monthly expenses, but after the death of my husband things have been increasingly difficult to handle. I am requesting an interest reduction down to 6.25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} from my current 8.80{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. I feel it is a fair percentage for you, and it is just within my means.

Before my husband passed away, we had both been making more than enough to afford our mortgage. Once our interest rate rose to 10.24{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} and we had no difficulty paying it. However, once he passed away I was left with half of the monthly income I had before. I had been pulling together enough to pay the bills and mortgage by pulling from our savings and the small amount of life insurance I received, but I’ve run dry and have no other option than to request a manageable, fixed interest rate from you.

Without a reduction on the interest, I will not be able to afford the monthly payments. I have to choose between a loan modification and a foreclosure. I would far prefer the former, and you probably would as well. 6.25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} is the most I will be able to manage, even if I cut all of my expenses out of the picture. Please consider my application seriously and I hope to hear more from you on the matter.


Your Name

Notice this sample goes a little in depth about the circumstances of the homeowner seeking loan modification. What’s more, she also has determined her ideal interest rate based on her current income, showing her lender that she is taking the matter very seriously and wants to work with the lender to stay in her home.

While this sample letter for loan modification application is not perfect, it pleads a good case to the lender and puts it all on the table. Your lender needs to know it’s either modification or foreclosure and there is no way around it. They may lose money on a loan modification, but they lose much more on a foreclosure. Get all of your facts, story, and numbers straight and even you can write a compelling hardship letter.…

YTB & Network Marketing – Truth Exposed

The other day I was reading several posts on an MLM message board, allegedly designed to discuss Scams- one of which, of course, was about the network marketing scam. After reading several pages of posts, I decided that I had had enough with the trash-talking about how all MLMs or Network Marketing companies are scams.

Actually, less than 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of network marketing companies are truly “scams”. The reason why this industry has such a bad reputation, I believe, is because of the marketing methods used by many of the industry’s leaders. What methods? The hotel meeting, the sizzle call, the glossy brochure or video that highlights people making six-figures plus, driving around in Ferraris, standing in front of their mansion. Telling people that all they need to do is talk to everyone they know about the business, take them to a hotel meeting to hear a guy talk about his millions, and that’s it. They talk about super duper bonuses when you get 1,000 people into the business. They tell you about how they got the super bonus in just 2 months. And if you get busy, you will too.

The truth is…this type of marketing doesn’t work out in the long run for a lot of people. I believe that the marketing style I mentioned is one of the main reasons why there is a 97{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} attrition rate in network marketing. Why? This form of marketing primarily appeals to people who: (1) are in a desperate financial situation or (2) want to make a quick buck.

Most likely, neither one will stay in the business for more than a year, here’s why.

Type (1) People in a Desperate Financial Situation:

Network Marketing is a business not a job. Businesses take money to grow. I don’t care what anyone else says, to grow a business you need money. You need money to make money. If you don’t have any money, you won’t be in business for long.

Most of these people end up dropping out because they spend themselves out of the business. They didn’t know it would take money after the initial sign up fee or product purchase. They didn’t know that if they want to grow the business that they would likely have to buy leads and marketing materials. Sadly, when you don’t have the money to fund the business, it won’t grow.

Type (2) People Wanting to Make A Quick Buck:

Businesses, in addition to some money, take time and effort to grow. A major flaw in the current industry is that most leaders don’t tell you that your friends and family might not see the business for the great opportunity it is. When that happens, people either must go and talk to every person they can or they must purchase business opportunity leads. To introduce the business face-to-face to all of these people takes time.

What really gets my goat is when top money earners are quick to tell people that they made the Super Duper …