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Spring Cleaning After Divorce

It’s that time of year when we open the windows and enjoy the fresh air! It always made me feel better hearing the birds chirp, smelling the fresh air and cleaning as if it were a new beginning. Well, on a positive note, divorce is a new beginning! Put aside all the emotional feelings like sadness, anxiety and doubt about what you are supposed to next, and consider some of the following tips for your financial spring cleaning!

1. Get your financial house in order. Update your will. Check that you have the proper beneficiaries listed on your life insurance policies. Review your retirement plans and get rid of non-performing investments (contact your CDFA or financial advisor if you need help). Get a file box or use a file drawer and label your files. Doing this will it easy to find any important financial papers.

2. If you aren’t doing what you love or loving what you do, then prepare to make a change! Update or write your resume. Take some courses and explore new opportunities in your area or an area that you would like to be in. Expect more from yourself. I’m sure you will be amazed what you’re capable of achieving.

3. Review your credit report!! Not only is identity theft a concern today, but so is human error. I recently found that there was a major mistake on my credit report and it took me a lot of time to have it corrected. It is also a good place to see if you or your spouse have any accounts that you were unaware of. If you haven’t already, make sure to establish credit in your name. Open a credit card, or the next time you purchase a car, register it in your name only.

4. This is also a great time to review your benefits at work. If you aren’t involved in a retirement plan, and one is offered, enroll!! If you are already active in a plan, review it!! It may seem overwhelming and out of your comfort zone so consult a financial advisor. Most advisors are happy to review your statements and offer you some advice.

5. I am sure that you just got your taxes done and you are saying, “Next year I will be more organized!” That’s what I said! So go buy a file for tax receipts only! Ask your accountant if s/he can provide you with some areas that may save you money on next year’s tax return.

6. Divorce is a big change and a new beginning. You will want to update your wardrobe, and feel pretty!! I am a big supporter of dressing the way you want to feel!! This can be costly, so make a plan. First, clean out your current wardrobe. There are consignment shops, example: Plato’s Closet, where you can sell your clothes and use that money to purchase new clothes for yourself. If you already have a budget, donate your clothes to women’s shelters. …

Affordable Health Insurance – Things You Can Do To Help

The cost of health care is high and does not show any sign of becoming low in the foreseeable future. This has made affordable health insurance almost a dream for most people. However, there are ways you can reduce your costs. Some may require a readjustment in their lifestyles; others may require just a little discipline. Let's take a look at what we all can do …

Graves are usually dug with picks and shovels, however, a lot of Americans are digging their heads with their forks and knives. The percentage of Americans that are overweight is a little disturbing. If you're part of that overweight percentage, your policy is surely costing you more than your slim counterpart.

You can help yourself by watching what you eat and how much you eat. America, most of us eat too much. We could use (or rather, we'd be better off) just a fraction of our daily intake of food. It's worse if you factor in the intake of junk food and high carb foods. Things that we will all do better without.

Do not give me that look. You can help it. This article is not about how to do it (You can search for those online). I'm just telling you you can do it and that so doing will make your health insurance more affordable apart from helping you enjoy life better.

Please, quit smoking if you do want to live long and pay less on health insurance while you're alive. You can not use tobacco and expect to pay anything but very high premiums.

While you adjust your lifestyle and discipline your appetite, you can get the most affordable health insurance possible for your current profile by visiting quotes sites. I recommend that you visit at least three reputable ones.

Get and compare your quotes from these sites and you'll be surprised at how much you've saved on your plan. …

Raceway Insurance: Race Car Driver, Vehicle and Animal Racetracks

There is no doubt that racing – whether by auto, motorcycle, truck or other vehicle or animal – is a very hazardous sport. It is for this reason that insurance coverage is so important for the driver and track owner or sponsor.

Racing Car Driver Insurance

Known in the industry as AD&D Coverage, this insurance is designed specifically for the racing car drivers. Providing accident and health coverage for competing drivers, the companies that write this type of indemnity are most likely in the market for other sporting industries. In regard to racing car drivers, disability limits differ according to each individual insurer.

Vehicle Racetrack Insurance

If you have ever been part of the enthusiastic audience viewing a car, motorcycle or any other recreational vehicle race, you can well understand that there are significant risks to safety. Much like any highly populated sports event, there is the issues related to crowd control and bleacher hazards. In regard to third-party injury claims, vehicle racetrack insurance covers the owners and/or sponsors behind the event.

Specific scenarios in which a lawsuit may be initiated by an injured spectator include:

• When a grandstand or bleacher folds and falls

• When a member of the crowd is impacted by a participating car collision or accident

• When someone watching a practice session or actual race is hurt by debris hurled as a result of an accident

This particular coverage does not include protection for owners of vehicles or sports car drivers. Refer back to the above summary about racing car driver insurance for more on the topic.

Animal Racetrack Insurance

Prime examples of animal racetrack participants are horses and greyhounds, but other animals are also included. Significant risks include exposure to hay and any other combustible matter that is general part and parcel of the property. On the other hand of course, there is also the potential of damage to the involved animals as well as the possibility of damages caused by the animals to consider. The related liability factors are very much the same as any other sporting event. However, the fact that animals and employees and spectators are so close to each other, places an underscored hazard risk at the racetrack.

Then again, many of the racetracks have ongoing betting activity which clearly leaves exposure to criminal activity, defined by the indemnity industry as dishonesty exposure. When eateries are also a part of the framework, the related restaurant risk exposure and liquor liability exposure go hand in hand.

For more about related business insurance coverage, speak with an experienced independent agency that has your best interests in mind.…

Everything You Wanted to Know About Fixed-Based Operator Services

If you are an investor or equity sponsor in the field of aviation, you may have many questions regarding on-airport services. In North America and parts of Europe, the roles of different operators and service providers at an airport are well defined, while in other countries local ground handlers are associated with many of those same operations. In this post, we will take an overview of different services at a public airport, along with the things you can expect, especially if you need direct assistance in finding the best service provider to meet your needs.

Overview of Fixed-Based Operator (FBO) services

Fixed-Based Operator (FBO) services basically operate key airport infrastructure and facilities in aviation, usually under a long-term lease directly from the airport. The services can vary depending on the nature and size of the airport, but the core profile often remains the same. FBOs are responsible for a number of different roles. They provide critical line service functions such as the handling, fueling and hanging of private aircraft, manage the passenger terminal, crew lounges, and other facilities, and may also offer certain maintenance and repair services. The size and location of FBOs determine their services to a large extent. Full-service FBOs are extremely popular in North America and Europe, while in other areas such as Australia and parts of Asia the demand for these services is increasing.

Overview of ground handlers

Ground handlers, on the other hand, are usually licensed by the airport as a concessionaire. They may provide the general services that are required in the sector, mainly at airports which do not possess the requisite infrastructure for full FBO services. These companies mostly deal with below-wing services, although in some cases they do deal with above-wing services. In this context, it’s important to understand the distinction between above-wing and below-wing services.

1. Above Wing services – These include a wide range of services, including some of the services that are offered by FBOs, such as ensuring catering onboard, cleaning flights at technical stops, following and managing passenger and crew, and anything that’s directly related to the flight’s management. These services also include managing the ground accommodation of crew and passengers, besides concierge services.

2. Below Wing services – These services include aircraft handling, fueling, management of ground support equipment, movement of baggage, and any required hangar services. All ground handlers who do below-wing services must have specific operating rights from the airport, own the necessary equipment and be specifically trained for various functions such as towing, marshaling, fueling, etc. They must also have proper insurance in place at a minimum amount specified by the airport. In some parts of the world, ground handlers may need additional certification.

Other areas

When it comes to aviation infrastructure management, FBOs specialize in different areas, although they are all expected to perform certain core line functions. Fixed Base Operators understand the needs of private aviation, whether corporate or recreational, and can offer direct assistance to the flying public. Some companies may …

California Health Insurance – The Keys To Finding The Most Appropriate and Cost-Effect Plan

California's health insurance market has unveiled many cost-effective health insurance plans. With a little bit of research consumers can save a significant amount of money each year by securing the most appropriate health insurance plan for themselves, their families, and their employees. In the end, they might just have more positive feelings about California's health care system.

Despite the highly visible social action efforts taking place in Sacramento to heal our health wounds, it is likely that big changes are still a while away from taking effect. So, in the next few years there is a lot that you as employers, individuals, and families can do to quell the negative reputation that the health care system gets and start making the insurance process work in our favor.

In this age of internet shopping, more and more people each year are purchasing their health insurance plans online without knowing which plans are most appropriate for them. Most choose the health insurance plan that has a low monthly premium, but later find that this plan does not fit their needs or the needs of their loved ones or workers. As a result, the costs can be much greater in the long run. Typically, the most eligible health insurance plan will end up being the most cost-effective health insurance plan, even if it is not the plan with the lowest monthly premium.

Finding the most appropriate and cost-effective health insurance plan can be accomplished through a few simple steps:

1) Contact a professional health insurance agent from a referral or call the agency that you find online

2) Ask the right questions:

a. What is the difference between a PPO and an HMO? Which one would benefit me the most?

b. What is a deductible, co-pay, co-insurance, maximum out-of-pocket limit?

c. If I have pre-existing conditions, how will that affect my family's rate and approval probability?

d. Should I sign up separately from my family?

e. Are there $ 0 deductible plans available? Would this be appropriate for me? Why? Why not?

f. If I get declined, what are my alternatives?

g. Which plans am I more likely to be approved or declined for?

3) Learn about the different types of health insurance plans in the market. This will only take a few moments to understand.

The following are a few great health insurance plans in the market that have very comprehensive coverage and can help you save money.

Cost-Effective PPO's

First Dollar Plans: These plans have a $ 0 deductible so the member is paying only a percentage (usually 40{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}) of the negotiated rate for services from the very start of the policy. First Dollar Plans normally carry a doctor's visit co-pay from $ 25 – $ 40. Such plans do not include maternity benefits *, which helps to keep the monthly premiums down.
* This may be a concern for women, but companies that carry these plans will often let you slide into their high deductible plan (~ $ 5000 deductible) …

Top 10 Tips For Buying a Used Car

Today when it comes to getting a used car has become much easier with the invention of the internet. No longer do you need to look just at those available close to where you live but if you are willing to travel then you can look further afield by using many of the online auction sites and used car sites as well. Below we provide the top ten tips for buying a used car which you should be keeping in mind when trying to get your ideal one.

Tip 1 – Before you go ahead and buy a used car it is important that you do as much research into your chosen vehicle first. As well as looking through various internet used car listings then spend time reading through as many professional road test reviews that have been written. Also read as many reviews written and posted by people who currently own or have owned the model of car that you are interested in.

Tip 2 – Next you need to determine just how much the car is going to cost once you get it. Along with comparing the mileage ratings for the car that you are interested in you need to take into consideration what it is going to cost to upkeep the vehicle as well. There are plenty of websites online including the likes of fueleconomy.gov which provides you with the EPA mileage figures for any vehicle that has been made from 1986 to 2008. Plus sites like this will also tell you what kinds of greenhouse gas emissions the vehicle produces each year as well.

Tip 3 – The next thing you need to do is look at the cost of insuring the car you are interested in. Unfortunately the insurance premiums you pay on a vehicle are dependent upon a number of different factors. Along with the age of the driver and how much no claims bonus they hold the car’s sticker price will affect how much you pay in insurance for it, plus what it is going to cost to get it repaired, how safe the vehicle is and finally is it a vehicle which is likely to be stolen. What’s the point of purchasing a vehicle if only you cannot afford to get the insurance for it?

Tip 4 – If you need to arrange financing in order to purchase a used car then it is best if you arrange this through your bank or credit union as the rates they charge are considerably lower. Plus this puts you in a position with the dealership or owner of the vehicle to be able to get a better deal on the vehicle that you are after. Also before you go and get your financing it is worth checking your credit rating first to ensure that you won’t be hit by any unexpected problems that could affect what kind of financing deal you get. The three major credit reporting agencies are now by law required to …

Reconstruction Costs

Have you done a major renovation to your home lately? If you have, it will likely affect the reconstruction costs associated with rebuilding your home and it is a recommended time for a conversation with your insurance professional. Remembering to regularly review your home coverage with an insurance professional is a good step towards maintaining a level of insurance adequate to rebuild your home, in case of disaster.

So why else do reconstruction costs differ from a home’s market value or even the cost of new construction? Reconstruction costs can be affected by a number of factors, including but not limited to:

  • Economies of Scale – When houses are originally built, it is usually a case of many homes being constructed at the same time. This means that materials and fixtures required for the builds can be purchased by the contractor in one transaction, and often at a bulk rate. Just as buying 50 or 100 bathtubs at the same time will cost less per unit than buying just one, you can apply the same economic benefit to buying almost anything else required for home construction in quantity as well. This can add up to thousands of dollars in savings when compared to single home builds.
  • Reverse Reconstruction – New construction almost always follows the pattern of establishing a foundation and building up from there. When reconstruction is required, and you need to rebuild a home that isn’t a total loss, you need to start by pulling off the roof and working from the top down. As this process is labour-intensive, and takes more time to accomplish, it is generally more expensive as well.
  • Site Preparation – When a home needs to be reconstructed, the site it sits on needs to prepared before any new construction can proceed. This usually means additional costs for demolition of any remaining (unusable) structure and removal of the resulting debris. In cases of intense fire, soil remediation may be required as well. In new construction projects, site preparation is usually limited to costs for brush removal and grading.
  • Labour Costs – Having tradespeople such as carpenters, brick layers, drywallers, electricians, plumbers, roofers, and painters all onsite for an extended period of time can aid in scheduling and efficient usage. If a particular home isn’t ready for work requiring their specific expertise, they can probably be moved to work on a home that is. This flexibility in scheduling is not usually possible when working on a single home, and has a huge impact on overall costs when you consider that labour is one of the largest components of reconstruction costs.
  • Accessibility – Reconstruction of a destroyed home is often required in established neighbourhoods with mature trees, lawns, landscaping, and fences. These and other obstructions may limit access to the worksite and thereby increase costs in getting needed reconstruction materials to the worksite.
  • Older and Custom Homes – Reconstruction of older or custom homes generally must include the replacement of features and finishes which are considered

ECU Remapping: Why and How It Improves Performance of The Car

In today’s era, chip constitutes an important mechanism of your car and plays an interesting role in remapping the engine control unit (ECU) of your car. Mechanically, the main objective of ECU is to make smooth flow of air and fuel throughout your vehicle, generate high pressure and improve its performance in form of acceleration and fuel efficiency. Remapping the engine control unit completely changes the functioning of engine and facilitates you to determine its working according to your requirements.

Now the question might arise in your mind that why a person will need to remap the Engine Control Unit of his car, if he is enjoying its flawless drive without any issue. Well, an answer to this question can be to enjoy the hidden powers of his car. Being a layman, you must be unaware about the functioning of ECU, so it may be defined as heart of the engine installed in your car whose main function is to control the working different components while driving. The settings of these components are determined according to mechanism of the car so that it offers smooth performance to its driver.

This setting is basically determined according to climatic and driving conditions prevailing in different countries across the world. As most of the car lovers are normal drivers they do not pay much attention towards all these aspects while buying their favorite car, because their main requirements from their car are fuel efficiency and integration of contemporary features and safety features.

Whereas, on the other side there are car enthusiasts for whom a car means a device which they are entitled to use according to their wishes by using its all potentials. But, as those potentials are not configured in the car which they drive in their continent they are not able to enjoy its drive according to their wish. With remapping the ECU, today be redefining the settings of different components with help of a small chip they can get rid of this problem.

During the remapping the new chip or software is configured in the serial port of the car for rewriting the setting of engine with new code that are mentioned in the software. The process of remapping is almost the same for both petrol and diesel variants.

Benefits of ECU Remapping:

  1. Increase in Power and Performance: The remapping of ECU results an improvement power and fuel efficiency of your car. It would be interested to know that remapping of diesel variant offers much better results as compared to petrol variant. The rewritten ECU offers improved fuel efficiency, improved ignition timings and optimizes the overall performance of your vehicle.
  2. Enhances the Aesthetics of Your Car: The ECU remapping is not restricted only in determining the settings of engine but also refers to determining the settings of different components like exhaust system, braking system etc. Because to enjoy improved performance of engine it is mandatory that these components should also be compatible according to engine’s setting to offer better response.

Life Insurance 101 – Whole Life Vs Term Insurance

If you are even considering to buy life insurance do you have the hardest time when it comes to deciding on Whole Life vs Term Insurance?

One life agent named Vicki Gunvalson (not affiliated with our organization) vaguely states…

The difference of term to permanent. I think that term is being sold to a lot of clients under age 40 where I try to talk more permanent coverages when over age 40 with more on the estate planning side where it is something they want to have for their beneficiary’s benefit when they are an age 100.

So with term we could obviously only go 20 to 30 years but when we’re looking at 40-50 year olds I always talk to them about permanent coverage.”

In contrast to what Vicki states we wholeheartedly, wholeheartedly believe that no one should purchase anything other than term life ins. When you have an agent trying to sell you Whole Life, Variable Life Insurance or Survivorship Life Insurance then be extra cautious with this life insurance agent because they may be looking at their own interest and financial gain rather than you and your loved one.

Whole Life vs Term Insurance

Permanent Insurance, which includes Whole Life, Universal Life, Variable Life and Survivorship Life insurance has a built in “Cash Value” but when you understand that the cash value really means nothing to your bottom line you will never think about purchasing any of the types of permanent ins.

Cash Value is the “investment” portion of life ins that you can access through loans or withdrawals. The death benefit may be reduced with the withdrawals and there may be some charges which could affect your policy in the future.

Also, you definitely do not want to have life coverage forever. If you understand how expensive continuously paying into a life policy can be you will definitely rethink this purchase. At age 100 the cost is $1000/month for every $1000 of coverage. So if you have a $500,000 policy it will cost you $500,000 per month at age 100. You only need it when you are younger and when you have dependents counting on you for your income. Outside of that temporary time period you do not need this coverage. Again, it is only for a temporary period of time.

Insurance agents that tell you the benefits of cash value either don’t know how bad a permanent insurance policy is for you or they don’t but chances are they know how much commission they stand to make from selling one of these whole life policies to you and have chose that route instead of looking in you and your family’s best interest.

What? Do you mean I get to invest with a life policy? Isn’t that wonderful?

Yes, there is an investment portion to these permanent life policies but in reality the cash value is never really yours. It’s the insurance company’s money and they will allow you to borrow from it. They …

Cancer Health Insurance

When it comes to cancer health insurance, there is one underlying question that many people want to answer: who benefits more from such insurance coverage, the one buying insurance or the insurance providers themselves? Of course, you know what you want the answer to be, but what is the reality of the situation? Another question has cropped up relating to cancer medical insurance: for what is it worth to buy cancer health insurance coverage?

To find the answers to these questions, the history of cancer medical insurance should be briefly explored first. There used to be only three or four major companies offering this kind of insurance, but today there are around 15 who promote this option heavily and another 50 that still write their fair share of cancer medical insurance policies. When the concept of cancer health insurance first surfaced, agents would literally travel from city to city selling insurance for cancer. Their emotional appeal is what allowed them to make sales.

While times have changed, there is still a high amount of emotional selling when it comes to offering cancer medical insurance to customers. For as little as $ 25 per month, you can protect yourself from the devastating costs associated with recovering from cancer. Consider the rarity of cancer. What if you are blessedly never overcome by the condition? All your payments will be lost to you. If you do contact a cancerous condition and file a claim, the past 12 years of paying for cancer health insurance-which comes to $ 3,600-may result in a payment of only $ 1,000- $ 2,000. A majority of cancer health insurance companies today only pay out 60{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on claims.

These facts leave you with a few important points to consider. First, is cancer medical insurance worth it to you personally? You may have a history of cancer in your family, which means you may inherit a greater disposition for contracting cancer. In this case, cancer health insurance could certainly benefit you and your peace of mind. The other consideration is finding a company that will pay out a larger sum on your claim in order to make paying for insurance worth it in the end. Of course, what you hope is that you never become a victim of cancer, but should the unthinkable occur, your cancer health insurance will be there to back you up if you have acquired coverage from a trustworthy company. Compare providers and their rates today to help you make an educated decision.

If you need assistance in locating particular coverages at a pre-determined price, we can help save up to 50{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on health insurance . …