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Month: August 2019

Unlisted Drivers Can Cause Your Auto Insurance Rate to Skyrocket

Very few circumstances can cause your auto insurance rates to rise the way an unlisted driver can.

First, the basics. Auto insurance policies are written to cover your car, not necessarily the operator. What this means on the surface is that as long as you have given an individual “permissive use” of your vehicle, should that person become involved in an automobile accident, there should be coverage. The type of coverage that can be applied, of course, would depend on the type of car insurance you originally purchased. For instance, in the event your “permissive driver” is involved in an at fault accident, and you have purchased collision insurance coverage, collision would pay for the damages to your car, minus your deductible. But conversely, even if that driver was involved in a not at fault accident, you can expect your insurance company to take a closer look at your policy come renewal time.

As an example, assume that you loan your car to a friend on a one time basis for whatever reason. You can establish that this friend is not a consistent driver of your car, and you can verify that your friend does not live with you. What happens if your friend, the unlisted driver, becomes involved in an at fault car accident? Under the circumstances, your insurance policy would pay for the damages to your vehicle. Even if your friend has his own policy, that policy is not responsible to pay for your damages.

Will this create problems for you with the insurance company? Probably.

Normally, when insurance companies pay for an at fault accident, you can expect to suffer the consequences. Even though you are making payment on the relevant premiums, your insurance company will “penalize” you if you are involved in at fault accident. How is the penalty imposed? By way of a higher auto insurance rate.

And what about the fact that you permitted a friend to drive? Will that also boost your chances for a higher auto insurance rate? Probably so. Insurance companies tend not to respond well to “unlisted” drivers, at fault or not. In fact, with an unlisted driver in the driver’s seat, count on your insurance company to launch a claims investigation into the circumstances. More specifically, they will be looking into the possibility that the driver could live in your home. And, more than likely, they will also examine the driving history of the unlisted driver as well as whether or not that driver has insurance of his own.

Should you expect an increase in your auto insurance rates? Most definitely if the investigation divulges factors that increase your risk rating.

If the insurance company investigation reveals that the unlisted driver has a poor driving record, you can be fairly sure that this will be used against you when your auto insurance rate is calculated at the end of your insurance policy period. By association, if you allow an irresponsible driver to operate your insured vehicle, your risk scoring …

Making Easy Money Online – Be An Affiliate Marketer

Affiliate Marketing is the method of promoting merchants businesses in which an affiliate is rewarded for every visitor's sale provided through their efforts. This includes internet affiliate marketing programs.

Affiliates then use their website to to drive visitors also called traffic to their merchant websites. Affiliates earn easy commission income, which could range from 20-60{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} payout per product when their visitors buy products from the merchant website.

Anybody, even a newbie can start up by being an affiliate. You can start it out as part time while you are holding on to a full time job and gradually focusing more efforts as it becomes more and more profitable. Why you should want to be an affiliate marketer

  1. It is the easiest way to earn a steady income from the comforts of your home
  2. No need to develop excellent products – your merchant affiliate has it
  3. No spending costs to manufacture and store goods
  4. No spending on staff or your time to process a single order, you send the visitors to your merchants via a landing page and get paid when they buy
  5. No need to worry about getting paid, your affiliate merchants will pay you when your visitors buy.
  6. No need for after-sales-service support. You concentrate on your landing page's content and your subscribers who are signed on with you.

So in summary, you get your affiliate merchant by going through the following steps

  1. Find a hot market (examples-: Weight-loss, golf, pets, health care, E-Commerce).
  2. Find an affiliate product and register with them.
  3. Choose your affiliate merchants carefully as you need to ensure that they have backups for you as an affiliate such as startup manuals and regular follow up on creative news to you as an affiliate for you to put on your website as an example "Here are our updated banners. Please put them up on your site. "
  4. Once you have chosen your affiliate merchants, the next step is create your landing page on your website
  5. Promote your affiliate links. When a visitor clicks on your link and visits the merchant website and decide to buy.
  6. Earn easy commission money from referrals
  7. Continue to maintain your website and promoting it.

Do Forex Option Traders Really Make Money?

Forex options trading is the newer form of trading online. It is often said that the easiest way to get $1,000 in Forex is to start with $5,000. This is obviously a humorous quote, but points to a larger issue that is not a joke.

More than half of Forex option traders lose money – many of them losing significant amounts of money. So, it is not surprising that a question that comes up a lot is “do Forex option traders really make money?”

I’m not saying that it isn’t possible to make money in option trading. In fact, plenty of people are making money through option trading on daily basis.

The fallacy is that it is ‘easy money’. Typically when someone signs up to start option trading they do so under the false illusion that it is an easy way to make money.

They are sold on expensive courses that feature rich millionaires in their yachts talking about how they do not work but still make lot of cash.

That very well may be so. But it is highly doubtful that some rich millionaires weren’t working their butts off at some point in their life. It is also highly likely that those millionaires have lost huge amounts of money while learning how to succeed in what they do. That is the nature of the game.

So back to the original point. The lifecycle of a typical Forex beginner looks something like this…

-Got excited by a course that promises quick money and easy living.

-Sign up for a Forex broker without ever doing any further research

-Blow through a large amount of money in a short amount of days

-Conclude Forex is a scam and no one makes money

Meanwhile, the top Forex option traders are using tried and true systems that they slowly developed or learned through much trial and error, and are making consistent profits every single day.

Those people that are ultimately successful have typically tried a million things and lost a lot of money and time in the process. The only way they were able to discover something profitable that worked for them was by trying things over and over again that didn’t work until they found something that did. Sure, they aren’t out there preaching about all of their failed systems and all the times they lost money, but who would be?

If I were to start over trading in financial markets with no knowledge there are a few key places I would start.

First, I would start reading trading books and anything else that gives the theory behind trading in financial markets so that I get a through understanding of it. This is key to successful long-term trading.

Second, I would join every Facebook group or Reddit thread that talks about Forex. I would ask questions constantly in those groups. I would also be respectful and try to help out answering any questions that I could to those that knew even less than …

Fighting Back When Insurance Companies Bundle Charges

Insurance bundling is the process where a payer will often lump separate charges together to pay your practice less.

For example, lets say you have a patient that comes in for evaluation of high blood pressure and you notice the patient has two suspicious skin lesions – one on their left arm and one on their stomach. You then make the determination to excise one and perform a biopsy on the other.

You code 99214 with modifier -25 (E&M for patient with high blood pressure); 11403 (stomach lesion excision, benign, 3.0 cm); 11100 with modifier -59 (biopsy of arm lesion).

Modifier -25 is to be appended to a CPT code that is a separate and distinct service that is provided during the same visit. If modifier -25 is not added to the evaluation and management code (99214) both lesion codes could be denied, or the 99214 code itself might be denied. Modifier -25 identifies to the payer that the codes are truly separate services that were rendered.

Modifier -59 is to be utilized for a distinct procedural service and alerts the payer that two services that usually would be bundled into the lesion code should be reimbursed separately because the biopsy (11100) was performed separately. The two lesions that were examined were definitely separate, distinct and unrelated to each other.

If the insurance company does not pay for each service and is ignoring the modifiers -25 and -59, ultimately they are bundling.

The best way to fight back against bundling is to track your claims submissions and check them against your explanation of benefits forms to ensure that all services are paid.

The following are indicators your payers may be bundling your services:

  • An E&M code is indicated but no payment was made because the carrier bundled the charge with that of an unrelated service.
  • When the charge is listed but no payment was made because the payer bundled the charge with an unrelated charge for another diagnosis. When this occurs you will often see the following denial code, “Payment for this service is included in the fee for the procedure.”
  • When the modifier is listed but the payer omits the service modifier (such as the -25 or -59) and no payment is made.
  • When the code is totally omitted from the EOB as though the service was never rendered. For instance, you coded an E&M code and a minor outpatient surgery on the same day. The claim was filed using the -25 modifier. When the EOB’s are received, the only charge noted is the surgery code. The E&M code is not included.

Certain explanations on your EOB’s may also indicate that the payer is bundling some of your charges. Examples are as follows:

  • Medical visit not allowed for separate reimbursement
  • The procedure code submitted on your claim has been changed to one that better represents the services performed by your physician.
  • Payment for one or more billed procedure codes has been denied because it is considered a component of

Home Insurance – Wise Little Tips That Will Give You Massive Savings

There are a lot of ways to pay less on your home insurance policy. But while many of them might reduce your cost, they could leave you with insufficient coverage. I do not naturally recommend such ways since they make nonsense of the main aim of insurance in the first place. So, I'll only show you suggestions that will also have you neatly covered in spite of saving you much. Here they are …

1. Get special fire and security systems that alert fire stations, police stations or other monitoring center. Not only will you get a reasonable discount, you will as well feel more secured bearing in mind that your house is constantly monitored. Notwithstanding that the discount this will attract different from one insurer to another, you can expect to bring down your home insurance rate by as high as 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}.

2. Bearing in mind that nothing remains unchanged, it's a smart step to re-evaluate your home insurance policy from periodically to ensure you either pay more than you should nor have liability coverage. That special fur artwork might no longer be worth as much as when you bought it.

Lower your coverage by the same percentage if it has dropped in value and as a result you will save and still maintain enough coverage. soonheless, a review may disclose it's now worth a lot more and that you need to buy more coverage.

3. Do NOT leave ladders in places where anyone can easily pick them. Doing this would be making a burglar's job a lot easier. Do not also leave your tools, machinery or things like that on the law or where in the open as they could result in accidental injury and add to your liability claims. They also make breaking and entry much easier for thieves. Keeping these things properly will save you a lot of heartaches along with lower premiums.

4. Let your insurer be paid your premiums automatically and you will be given a good discount. If you do not have an idea on how to do this, ask your bank or agent. In addition to saving you in premiums you will also save yourself much time and avoidable stress.

5. You will receive cheaper premiums if you do routine maintenance of your home always. Check for those dead tree limbs on your property. They could easily fall off and damage a part of your home or injure someone.

Everything that could injure a guest on your property should be taken care of once you notice them. Such a good maintenance routine would lower your home insurance rate.

6. You can save a lot of money if you get and compare home insurance quotes from insurance quotes sites. You will realize savings if you go to just one quotes site. But, you'll get better results by using at least five. The simple reason for this is that you'll get a greater number of home insurance quotes from many more insurers. This increases …

Can Referrals Be Enough To Keep Your Business Going?

There is little doubt that the best quality referrals come from your existing clients who are happy with your product or service. But will that be enough to keep your business growing at the pace you'd like? The answer would depend on the industry you're in. A friend of mine does computer networking and his business is 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} by referral, and that keeps him busy. For my business, while we get many referrals from our clients, if I relied on those alone, it would hardly be enough.

So the next question is – how do you generate other leads? Try to establish relationships with close spheres of influence. As a web design company, we have several "partners" such as SEO firms and IT firms, which do not provide the same service as we do, and often refer their clients to us. After a period of time, we have built mutual trust with these partners, and they have become excellent sources of referrals.

E-mail marketing may work well also. You can send monthly e-newsletters to your clients and lead lists. We always try to give some useful information in our e-newsletters, and not be purely salesy, if at all. This keeps people reading and retains their interest.

We also do a few tradeshows throughout the year, which is another avenue for generating leads. And … do not neglect the dreaded cold calls! Most of us hate doing them, and put it off, but they are so very effective. Do them yourself – allot some specific time each day – or hire someone else to do them.

Overall, use a variety of marketing methods, and you'll have good leads coming from every angle. …

How to Utilize Your Personal Career Skills

You should think about what you want to do early on, by judging yourself and the various skills you normally have. It is easy to go to work every day when you love what you are doing for a living. Focus on these natural talents before you go into any industry. Make sure that any industry you choose is an industry that coincides with what you do best.

It may take some time for you to build the career you want. It is important to exercise patience in this matter. If you are still in college and learning the skills you need, you should be paying close attention and studying hard. After all, hard work makes dreams come true!

Concentrate on learning the degree that will let you have the career you really desire. Do not let others sway you in your career goals. If you have been given an opportunity to join an industry that you are good at but do not enjoy, think twice about taking the job. You must weigh all of your options before you get involved in something you will regret.

Your career is a part of you and will take up most of your waking hours. You need to be doing something you consider constructive, productive, and even fun (most of the time). Do not settle for a job or a career because it pays a lot of money unless you are sure you are going to be willing to sacrifice happiness for it. As with everything worthwhile, there is a balance that you need to find in your career.

Your personal skills can take you a long way, depending on how you utilize them. When you discover you have a special talent performing a task, take classes and make that skill even better. Make sure you mention all of your skills that make you unique when you are filling out an application, when you are being interviewed and when you are developing a resume. You should include each skill you believe is relevant to the job you are seeking and will benefit the company overall. You should always be positive about what you can do. Do not downplay your abilities. This is a sign to employers that you may not be as good as you would like to be.

There is a difference between being overconfident and being open about your skills and talents. There is always a polite and proper way to let employers know that you have exceptional skills that they will benefit from if you are hired. It is in both your best interest and the best interest of your future employer that these skills and attributes be conveyed! …

Make Money Online – What Are The 7 Newest Ways

The number of web workers has unduly increased in the past years. The Internet has continuously provided more jobs so that you too can join this increasing number. You probably know those traditional ways to make money online – from eBay to affiliate marketing to advertising. What will be presented below are the novel and newer ways by which you can earn through the Internet. Here they are:

Blog

Blogs have exploded all over the Internet. You too can come up with your own blog, show off your writing skills and write good content. You can get yourself noticed by linking to blog network sites and posting comments to that of others'. When you have established your presence in the web, sign up with sites which are looking for and willing to pay bloggers with good ideas and skills.

Offer professional expertise

These days, you do not only sell merchandise in the Internet, you can sell off your professional expertise as well. There are good project-oriented, freelancing sites which you can sign up with. You can offer your bids, proposals or ideas and make money online for every successful project.

Sell ​​your photos through stock photography websites

If you have the knack in photography, you can build a secondary income stream by selling your photos online. You can showcase your talent easily in public, although there may be a great amount of competition.

Assist other web workers virtually

Small businesses and online freelancers actually need all the help they can get with their business. You can be of help to them and make money online by being a virtual assistant. As an assistant, you will be assigned to do a variety of jobs depending on what is needed – from making reservations to accounting, right down to customer service. The good news is that you can do all these at the comforts of your very own home.

Provide support and service for open source (free) software. You will be amazed to know that there are a good number of people who do not have that much technical know-how when it comes to software and the Internet. If you have technical skills, you can take advantage of free software to make money online. You can offer support for web content management systems such as Drupal or WordPress. They are quite easy to set-up, so once you are comfortable, you can easily help others do the same.

Write reviews

If you are one of the many who are addicted to blogging, you can actually make money online by doing book or product reviews. There are a number of sites which pay you to post reviews on your blog, so you may want to check it out.

Provide life coaching services online

Web workers need personal coaches just as any regular offline employee. You can easily get a coaching certification program, provide coaching services and slowly build your reputation online. You will be surprised to know just how many web workers there are …

Guide To Choosing A Great Appliance Repair Company

Appliances make people’s lifestyle easy. However, they need repair when they break down. It is important to hire an experienced and reliable appliance repair firm to make sure that the professionals fix your home appliance properly. Home owners often find it difficult to choose a good firm. There are many firms out there that offer repair services, but most of them do not have skilled professionals. Many of them overcharge, taking advantage of the home owner’s helpless situation. With some valuable advice, people can find the right appliance repair company.

Here are some tips to help you hire the right company to repair your home appliances:

Get referrals

An effective way to find a repair company is to get referrals from friends and acquaintances. When someone you are familiar with, recommends a firm from which he received satisfactory services in terms of professionalism, price and repair services, you know that it is a good company to work for you. If your oven has a problem, ask for more and more referrals of oven repairs companies from your close ones and contact the companies.

Consider insurance and license

You will come across many advertisements of repair firms. Look for the ones that say “Licensed and Insured”. Do not go for firms without insurance and license. Make sure that the firm’s insurance is current and it has a valid license number.

Check out the time for which the company is working

Before hiring a company, find out the time for which it is operating in its place with the same name. Prefer a company more that has a long history in its locality, than a startup that has no history in that region.

Check out internet directors

Check out the prominent business directories in the internet and see whether the firm’s name is present in them or not. Check directories like yahoo local, Google maps, superpages.com and yellowpages.com. For example, if your washing machine has some problem, choose a washing machine repairs firm whose name is present in the directories.

Consider the firm’s advertising

Check out if the company conducts large-scale advertising. If yes, it is likely to spend a huge amount of money in advertising. Such companies need to get this money from somewhere, and most of them get it from the customers by charging a higher fee. Avoid such firms.

Compare a technician from a small family owned business with that of a large company

A local business wants to keep up his reputation in its locality. A technician from such a firm is likely you offer you quality services. On the other hand, a technician from a big national chain may not offer you satisfactory services.

Talk to the technician

If you are considering a firm, enquire about the technician it is sending you. Talk to the technician about the issues in your appliance. If your dishwasher has some problem, ask the technician about his experience in dishwasher repairs service. Explain the problems in the dishwasher and see if …

Make Money Using These Freelance Home Writing Ideas

Freelance home writing provides a wonderful opportunity for anyone looking to bring in some extra cash. This type of work is perfect for stay at home moms, part time workers, college students, or anyone else who needs some extra income without needing the other benefits associated with having a job.

Even if you have a full time career, maybe you need some extra cash to pay for those holiday bills that add up or would like to take your family on vacation? Regardless the situation, picking up freelance home writing jobs is a great way to make money at home. The popularity of the internet has made it possible for anyone with decent writing skills, a computer, and internet access to get started in the freelance writing world!

Here are a couple quick ideas to get you on your way to making lots of money through freelance work from home.

  • Online Freelance Sites – Create an account on sites like Elance which provides a platform to connect businesses with freelance writers, developers, and more! These sites allow businesses to submit opportunities to the site which are then bid on by freelancers.
  • Go it Alone – The internet is truly a powerful tool and freelance home writing has benefited from it. Consider writing passive income content and publish it on your own blog, website, or content site. While there is usually no set payment for this kind of work, the potential earnings far outweigh the alternative.

Freelance home writing offers a lot of flexibility to individuals looking to bring in some extra money or even earn a full living. This type of job requires a lot of hard work and determination for success and is not a get rich quick money maker. Countless hours can be spent bidding on work, writing content, and growing your skills. However, it also provides a great alternative for making extra money! …