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Long Term Care Insurance – The Right Time To Get It

It was not raining when Noah built the ark. You must have seen that sticker somewhere at one time or the other. In the same way, you should not already be in need of long term care before you start looking for a long term care insurance policy. It will be too late then. However, getting it as some other point in your life could also be too early. Here's the right time for you …

If there's a history of health conditions that require long term care in your family, note the average age when they began to need special care. You will do well to subtract at least ten years or even more and then get long term care insurance then. Waiting to do it at a later date may be too late for you. It's usually very difficult to get it when the evidences of its need become obvious.

If you do not have such a history in your family but realize that due to certain habits, job hazards, accidents, exposures, etc, you may need special care down the road, you'll do well to get your long term care insurance policy long before the projected period of need.

For those who are simply growing old gracefully, waiting till you're fifty may not be a bad idea. However, if you prefer playing it real safe, you can get it now. Like everything in insurance, the more likely you'll not need it, the much lower your premium.

Look at what you'll pay and compare it with the peace of mind you'll have. If you do thorough research you'll get long term care insurance at very low rates. So making it a lot less demanding even if you decide to get it now. …

Advantages of Collecting Rent Online

Due to very fast Wi-Fi and mobile apps available these days, people can go online to pay their bills and schedule their appointments. Renters also use such technology to pay on time and manage their funds. Handling payments from wherever you are (with no annoying paper checks) is the new standard. So, property owners like you should consider accepting online rent payment. It is beneficial to both your business and renters – it saves time, reduces costs, improves cash flow and is more convenient. There are five major advantages your property management business could profit from in letting your residents pay their rent online. Let’s see:

Reasons for Collecting Rent Online

Controls management costs

Collecting rent online reduces property management expenses. This allows you to cut down on operation costs, and lets property management fees remain low, which is definitely an advantage for property owners.

Improves customer service

Instead of collecting and processing paper checks, your team can spend more time focusing on their marketing efforts and improving the relations with the residents.

Lessens past due accounts

Since there are different online payment options – such as PaypPal, eCheck and credit card – there will be a considerable reduction in late payments. In addition, mobile alerts that remind the residents that the rent is due, or when the due date is drawing near, usually prompts an immediate payment when your system is mobile device optimized.

Adds more security

Paying rent online gets rid of the risks involved with cash payments. Moreover, your insurance company is more likely to reduce your coverage when you do not maintain cash on-site.

Makes dispute resolutions easier and makes an audit track

Online rent payments generate a digital paper trail. If ever a resident claims that he/she paid online, you can check the system at once to confirm or refute the claim. With a fully incorporated property management software package, you can update owner statements, evaluate late fees and automatically trail split payments. The processing of rent payments and owner disbursements are more secure since sensitive personal info is never compromised. Your accounting group can just click to get a snapshot of those who have or have not paid to allow well-informed financial resolutions.

Expectations of Residents when it comes to Online Rent Payment Portals

According to past surveys, residents often expect a lot from online payment options. Besides being accessible 24/7, they expect them to:

  • be user-friendly and simple to navigate;
  • come with itemized monthly statements that separate additional fees from services;
  • provide different payment options, such as credit and debit cards;
  • allow automated recurring payments;
  • not have any processing fees, particularly if residents are required to make online payments.

There are renters who still opt to pay their rent in the form of paper checks every first day of the month. However, in the last few years, it has been observed that more people are becoming comfortable with online transactions. In case you do not offer such options of paying rent online, perhaps …

Availing the Maximum Car Insurance Discounts

You have many ways that will help you reduce the monthly car insurance that you have been paying as a premium. By examining the factors that can affect the price of the premium rate of the auto insurance, you will be able to have the ability to at least lower the premiums that you are paying for the insurance as it goes.

One of the premium rate factors that can help you reduce its monthly payments will be the age of vehicle owner. Being a senior citizen at a certain age can make you avail of the senior citizen discounts which may include the car insurance that you have.

All you have to do is to present the proof that you are at that age and that you are considered to be a senior citizen. You have to go to the insurer and then process the papers that you have to present.

If you have no car insurance yet or if you want to change to another insurance company then all you have to do is to compare quotes and then look for the ones that can also offer certain discounts on auto insurance . Find the one that can give the highest or maximum discounts without eliminating some of the benefits that you need.

By doing so, you will be able to have the best deals of auto insurance when it comes to price and at the same time, the benefits. So find the insurance deals now on the Internet and get the discounts that you want to have. …

Grading President Obama’s Job Speech – What He Said Vs. What He Should Have Said

Last week the nation tuned into President’s Obama’s much hyped job creation speech to see if there would be any worthy ideas to try and break the constant high unemployment rate int he country. Would he be bold and innovative or would it be the same basic, tired political tactics that have been tried and have usually failed to live up to expectations?

The following discussion will compare what the President should have said and what he actually said. Unfortunately, the bottom line is that from a boldness, innovation, and courage perspective, the President came up well short of the goal line.

1) Infrastructure

As expected, the President did state that he wanted money and funding for infrastructure jobs to fix roads, bridges, dams, schools, etc. that were in need of repair, something many Americans expected and were supportive of. However, the President’s proposal came up short in two areas.

First, infrastructure spending and work done via the economic stimulus bill was woefully inefficient. According to various Associated Press investigations, thousands and thousands of government contracts were granted without competitive bidding. Half of the bridges that were repaired under the stimulus program were not in need of repairs. Powerful individual politicians in Congress snatched their share of the stimulus money and directed it to their voters regardless of whether of not the spending was actually fixing a real problem.

Millions of dollars from the stimulus plan were granted to companies that owed hundreds of millions of dollars in back taxes. No where in the President’s jobs speech do we get firm assurances that these atrocities have been recognized and will not happen again. He states that the money will be properly spent but we were promised that in the economic stimulus bill. The only way to insure that this potential pot of money is well spent is to give the decision on what projects are done to the states via a block grant of money, taking Congress out of the decision process altogether.

Second, the President does not show any detail on how to pay for this increment Federal spending. He says he will unveil a plan within a week or so. Thus, his performance on this topic is an incomplete. He gave no indication of specifics like reducing the Federal payroll back to 2008 levels, terminating unwanted and unneeded military projects such as the Osprey, terminating corporate welfare programs, ending agriculture subsidies, and directing high speed rail line funding to shorter term infrastructure needs.

Grade: Incomplete given the unnamed ways to fund this infrastructure spending that will be forth coming. However, worries about whether this will be another waste of money spent on things that do not need to be fixed, given the economic stimulus program, and the fact that the President has not taken Congress out of the decision making loop, continue to exist.

2) Obama Care

According to many credible opinion polls, the majority of Americans realize that Obama Care is an unfolding disaster. It will screw …

Self Defense Weapons – What Is The Best Weapon For Self Defense?

If you are thinking of purchasing a gun, or other “self-protection” device such as pepper spray or an alarm, then you are obviously concerned about your personal safety. You know it is essential to learn how to defend yourself, now more than ever! Today, not only do you have to worry about criminals, but now terrorists as well! What is this world coming to? Would you know what to do?

You may be thinking, “Well, I’ll just get a gun!” Unfortunately, real-world tests have shown that overall , weapons (or other “self-defense” products) are often ineffective when it comes to self-defense. Why?

There are many factors that contribute, but the main reason weapons are ineffective is, if the weapon is not in your hand at the moment of attack, you will never get the chance to use it! But, the law does not allow you to walk around with a gun in your hand, and most studies show that people soon forget to carry the various types of self-protection devices they purchase.

Even if you have a stun gun or pepper spray in your purse or pocket, if caught by surprise, you won’t have a chance to get it out before you get decked! Mace does you no good if it is still in the purse that just got snatched out of your hand! Tests prove that 90{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the time, you will never get the chance to reach for your weapon before you are hurt too severely to use it.

FBI statistics and Police reports from all over the country show that in more than half of all instances where the victim was able to get to a “weapon” (usually sprays are mentioned), the attacker knocked it out of their hand before they could use it. Police files are filled with tens of thousands of incidents of weapons taken away from the victim and used against them! It is estimated that almost one third of all gunshot victims are shot with their own gun! The figures are even higher when it comes to stun-guns and sprays.

This doesn’t even include all of the incidences where the victim shoots themselves! Accidental discharge is the leading cause of gunshot wounds in both crime and non-crime reports. You may think that wouldn’t happen to you, but the reports prove that it happens to even experienced gun owners.

I know of a Police officer, even after extensive training , the first time he tried to use Mace against an unruly suspect, ended up spraying himself.

Unfortunately, most people have little or no training as to the safe and proper use of the weapons in their possession. Inadequate, or even improper training is the leading cause of accidental discharge involving guns, stun-guns and sprays. What do you think will happen when they attempt to use that weapon under the stress of a real attack?

There are literally millions of incidents reported where the victim couldn’t get the weapon to work at all, mainly because …

Computers and Technology: Shop for Insurance Responsibly

Today's advances in computers and technology make many tasks easier than they were years ago. Computers and technology aid us in our personal lives as well as professional lives. Most young people probably can not imagine a world without computers and technology, and most older people probably can not imagine going back to that world. Thanks to computers and technology, we work online, we play online – we do just about everything online!

A popular trend today is the act of purchasing insurance policies online. Health insurance, life insurance, auto insurance – you name an insurance, and it can probably be purchased online thanks to computers and technology. This is a great convenience for some folks. Think about it: who wants to make a detour on their commute home from a long day of work to talk with an insurance agent about purchasing an insurance policy? Would not most people rather go home to spend time with their families and relax before the next day begins?

While computers and technology make it much easier to spend more time enjoying these kinds of leisure activities, they also make it much easier for us to lose connection with real people. By purchasing insurance online, you're saving time and effort, but you're also losing the important, yet overlooked, benefit of speaking with an insurance agent one-on-one, face-to-face. At the very most, the only human interaction you're going to have by purchasing insurance online is speaking with a representative over the phone.

This is not to say that you should avoid the perks of today's computers and technology, such as purchasing insurance online; However, you should make sure you have the chance to get some one-on-one time with an insurance agent – even if that one-on-one time is only over the phone. Rather than the conversation consisting solely of a brief synopsis of the coverage and your credit card number, ask specific questions, and make sure to get wellly detailed answers. …

Tips to Choose the Right Business Insurance

Businesses can never be in a stable position. There might be times where one day the business might touch its peak and the very next day turns out to be a day of loss. So, newer companies and the huge companies are constantly becoming aware of getting their businesses insured. This step, they feel, will help to recover the losses and maintain stability in their day to day business processes. Here again, making the right choice for the business is an important step. If you are a potential owner of a company, the under mentioned steps can help you choose the right policy.

Compare Shops

The best way to find out what these insurance companies are offering is to compare their policies. Some of the things that are a must to be compared are price, deductibles, complaint ratios, coverage amounts, out-of-the-pocket limit, and the co-payments. The suitability of the coverage on the company has also to be taken into consideration.

Go Through Ratings

After you have compared the prices and all other aspects, it is time you go through the customer ratings of company. It can tell a great deal about the financial condition of the company. It is generally the ex-customers who have rated the company’s services. The better the ratings the more appropriate is the company to be chosen for achieving the business insurance policy. The ratings are available online. However, one can also research for them in a library or directly ask the members of the company.

Ask Questions

The business owners and the managers that are in the quest of shopping a business policy should have a lot of questions on their list. Through these questions, they would be able to get a detailed information about the company and its services. This will help them in making a learned decision while choosing the policy offering company.

Contact an Insurance Broker

The best thing perhaps to do for a company is to hire a broker for the business. The positive side is that the business owners will save a lot of time and their efforts into making a search. The broker, on the other hand, works for its clients and is said to be more informed and experienced working in the same field for several years. He, thus, suggests the best policy. They also maintain privacy for their client data.

Following the above-mentioned ways, a company can choose the best policy to insure itself. Being the owner or the manager of a company, it is necessary to take right call.…

Affordable Car Insurance!

It is possible to get affordable car insurance!

All of us are trying to save a bit of money. All of us have those annoying expenses in our lives. What would you rather do, pay your phone bill or buy yourself a new jacket or a set of golf clubs? Of course. We are all the same. But we gotta pay those bills. Luckily there is now a way to save some money on some of those. Nobody likes to talk about it, except when they complain to their neighbor how much it is! Car insurance. Thats right, car insurance. We all need it, we all gotta pay through the nose for it. But affordable car insurance?

Yes you can save money with it. It can be more affordable. Studies show very few people comparison shop for car insurance, but its easy and its fast. And it can be much more affordable.

There are many car insurance sites now on the Internet that will do the legwork for you. Just a few simple questions and just a moment later, you have in your hands, all the information, all the quotes from different insurance companies, ready to go. That was not so bad, now was it?

Now you have what you need. With what you know now, now you can contact the insurance company. Now you can do a bit more research to see if you can save even more money. Thats right, your car insurance can be even more affordable!

Here are a few tips to make your car insurance more affordable:

Insure your car and home with the same company.

Take a safe drivers course.

Have good credit.

Have a clean drivers abstract.

All of these and more will save you money. You will have affordable car insurance! Good luck! …

5 Tips for Choosing a Perfect Personal Injury Attorney

Experiencing any kind of accident can be an emotionally nerve-racking thing to deal with, but it can be even worse when there is physical injury also involved in it. Without a right personal injury attorney you may find yourself in a lot of difficulties like payment of sky-scraping medical bills. It is not very easy to pay these kinds of bills especially when you are injured and you are not able to do any kind of job. That is why it is very important to find a good personal injury lawyer who assists you in this type of situation.

These lawyers are able to assist you in dealing with different insurance claims, medical bills and most importantly handling your case in the court. Most of the people easily recognize these outstanding benefits of the personal injury lawyers and they do not make any kind of mistake in choosing a right attorney. Although some of them are under a lot of stress and due to this stress they make some mistakes in choosing a right attorney. It is very crucial to hire a good lawyer in order to make your case strong in the court. Following are some guidelines that should follow when hiring a lawyer.

1. The first and most important thing that you have to look in an attorney is its experience. Choosing a highly experienced attorney will ensure you that you are going in the court with skilled and trustworthy person. A good and experienced attorney is able to deal with all the complex paperwork and documents very efficiently and quickly.

2. Make sure that the attorney you are going to hire is giving the guarantee of his services. Today most of the good attorneys would not charge even a single dollar if you lost your case. Actually they are the ideal attorneys for every person to hire because by hiring them you are not taking any kind of risk.

3. You also have to make sure that your attorney must have a team of investigators. This team is able to deal with the different investigating aspects of your case. With the help of this information, your attorney will be able to build a solid and strong case for your claims.

4. When you are choosing an attorney for your case this is very important to choose a person who is objective and honest as well. You may want a big payout and fast settlement but an objective, honest and experienced lawyer will keep you from making any kind of hasty and foolish decisions.

5. An experienced and skilled lawyer will be versatile in its approach. It is essential to hire a lawyer who is able to deal with the lawyers of your opposition party in a professional and friendly way.

It is quite clear that hiring a right personal lawyer can make a big difference between losing and winning a case. Before hiring an attorney it is very important to do some research on the internet. If …

How to Get Scooter Financing For Good and Bad Credit

With gas prices increasing many Americans are looking to scooters as a way to protect their pockets against the price of gas. While finding a fuel efficient alternative is a good decision, many scooter buyers are not protecting their pockets when it comes to scooter financing.

There are many options available when financing a scooter including credit cards, manufacturer low payment promotions, installment personal loans and financing for bad credit applicants. Educating yourself about the various types of scooter loans is important before you make a financial decision.

Here are some tips for you to follow:

1. Do not shop for a scooter that is too expensive: Today there are scooters that cost as much as $ 9000, but shopping for one of these scooters makes little sense if you can not get approved for financing.

Therefore, it is a good idea to shop online, and at your local bank for a scooter loan before you enter the showroom.

2. Watch out for low payment promotions: Manufacturers often entice you into buying a scooter with low payment promotions which structure payments as low as $ 39 for 2 years.

Low payment promotions look enticing, but are a very bad financial decision for you.

Fundamentally with low payment promotions you are only paying off the interest on your loan each month and very little is going towards the principal on your scooter.

Worse off at the end of the promotion your payment will double and your interest rate could increase to as high as 22.9{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} annual percentage rate.

3. Get an installment loan: Most low payment promotions mentioned above are on a manufacturer credit card.

Opting to get scooter financing with an installment loan is a much more wise decision.

With an installment loan the lender can not increase your interest rate or payment and your scooter will be paid off at the end of the term.

4. Consider a personal loan: If you walk in your bank and ask for scooter financing the bank may not have such a product.

Therefore you will likely have to ask your bank for a personal loan, which is basically a simple interest installation loan that can be used for recreational items.

A personal loan is a great way to finance your scooter and is much safer than a credit card or low payment manufacturer promotion.

5. Read the fine print: As your parents probably told you make sure you read the fine print before signing any loan document. Definitely do not enter a loan contract that you do not understand.

6. Do not borrow more than you can afford: There is little reason to purchase a scooter to save on gas if you borrow more than you can afford.

Borrowing more than you can afford will put you in a risky financial position. You must consider the cost of insurance, registration, maintenance and gear and choose a scooter that fits your budget.

7. Avoid zero down payments loans: Trying to secure scooter financing …