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***How Insurance Plans Change As You Age******How Starting a Business Later In Life Made Me A Better Entrepreneur***- 10 Tips to Investing in Fixed Annuities for Retirement - by Submitted on Jul 21, 2010 from Lisa CintronAn annuity can be a good retirement investment if you select the annuity correctly. Many times investors enter into this type of retirement planning unsure about the product they are purchasing. This can lead to great disappointment when retirement arrives. Understanding what an annuity is and ...
Views: 1836(3 votes) - What Your Insurance Company Does Not Want You to Know about Fixed Annuities - by Submitted on Jul 21, 2010 from Lisa CintronOne of the greatest features of fixed annuities is that they are reasonably simple. So, in reality, fixed annuity rates are not nearly as complex as variable annuities are. However, be aware that your financial advisor most likely won’t inform you that they are less expensive, because he will ...
Views: 1680(3 votes) - Discount Dental Options - 5 Home Remedies for Sensitive Teeth - by Submitted on Jul 20, 2010 from Susan BradenTender pearly whites may interrupt your everyday life in a very painful way. They may even lead to cavities or gum disease if too delicate to brush or floss. Rather than enduring the pain until something even worse occurs, you can implement these five home remedies for a quick and easy discount ...
Views: 1790(1 vote) - Get Retirement Savings Safety, Liquidity AND Great Returns - Cake & Eat it too! - by Submitted on Aug 07, 2010 from Roger ElyAll my clients have one thing in common they want their retirement money safe but they don't want to "tie" it up - they want to enjoy it! So here's a way to "have your cake and eat it too". Many of you are looking for a safe environment to put your money to avoid the volatility of the market ...
Views: 2448(3 votes) - Insurers Advised - Regain Trust And Improve Health Insurance For IndividualsInsurance - by Submitted on Jul 14, 2010 from Alan LimHealth insurance firms could regain trust of policy owners and prospective clients. They could improve health insurance for individuals through several recommended ways. Before the onset of the 21st century, providers of health insurance for individuals, through the national trade ...
Views: 863(4 votes) - The CRASH of 2010 - This is NOT a Drill - by Submitted on Jul 14, 2010 from Roger ElyDespite what the current administration says and would like us to believe, the current financial crisis is not over; in fact it's probably just beginning. If you're paying attention, it doesn't take a genius to figure out that we're on the verge of a catastrophic collapse in the market that ...
Views: 2118(2 votes) - The CRASH of 2010 Part II - The #1 Safe Retirement Savings Solution - by Submitted on Jul 14, 2010 from Roger ElyAs I ended my last post, I mentioned that according to Harry S Dent*, market collapses are tied to spending and there is a report being release on July 27, 2010 that will show consumer spending at less than 1%. This, Mr. Dent's research shows, will precipitate a massive collapse in the market. ...
Views: 1348 - Why You Need an Affordable Family Dental Plan - by Submitted on Jul 14, 2010 from New Dental ChoiceLet’s say you are one of the millions of people who have no dental insurance, no discount dental plan—no coverage of any kind. What happens when you or one of your family members has a dental emergency? When one of you needs a root canal or a crown? Or when your children need braces? Without any ...
Views: 844 - Life Insurance - This 1 product offers 4 must have retirement benefits that no one talks about - by Submitted on Jul 13, 2010 from Roger ElyOk I know what you're thinking, "Why do I need life insurance." Most folks I meet with have a negative view of what was once a must have product in everyone's portfolio. Unfortunately most agents have sold this multi-functional product short and promoted it just for death benefit. But there's ...
Views: 1310(2 votes) - Traditional Retirement Planning is in Trouble - Don't Get Comfortable the 3 Legged Stool is Broken - by Submitted on Jul 13, 2010 from Roger ElyIf you're over 60, you're probably familiar with the traditional "Three Legged Stool" model of saving for retirement; SOCIAL SECURITY, PENSIONS, SAVINGS. You may have used this method in planning your retirement income. Well don't get too comfortable - the stool's broken! If you've watched the ...
Views: 2544(1 vote) - Dental Insurance And Individual Health Plans - by Submitted on Jul 12, 2010 from Alan LimOne could rarely find and buy individual health plans that also cover dental care. There is useful information that people should know especially if they consider buying the policies separately. It is estimated that about 45 million Americans currently do not own any dental insurance policy. ...
Views: 1019(3 votes) - Loan Modification Programs - The Idea Behind - by Submitted on Jul 12, 2010 from Justin DavisHave you ever realized that with your existing loan, you could not cope with payment? Is your daily expenses affected greatly? If you do, then do not make it a problem any longer. Loan modification program is being offered just for you to cope as well survive your expenditures. Basically, it ...
Views: 718 - Twitter 101 - by Submitted on May 14, 2010 from Meghan GehanTwitter has become one of the most popular social networking sites, mostly due to its ease of maintenance and simple, direct approach. All it entails is the submission of less than 140 characters, push of the enter key and your news, website, press release, etc. is tweeted to all of your ...
Views: 1338 - Don't Drive Your Car Without Insurance! - by Submitted on May 06, 2010 from Leonard BooneBought a new car? Congratulations! What you need now is car insurance cheap one. Obviously, you want an insurer who provides the maximum coverage and protection for your beauty-on-wheels. However, you need to keep tab on the price as well. It's not impossible to get an inexpensive insurance ...
Views: 832 - Understanding fixed annuity - by Submitted on Apr 21, 2010 from Brian SibetThe simple premise of a fixed annuity is that you pay an insurance company a monthly premium. In exchange, the insurance company assures you of a fixed monthly income over a certain number of years. Within the ambit of fixed annuities are several choices. You can choose, for example, a ...
Views: 1135 - When does annuity get taxed? - by Submitted on Apr 21, 2010 from Brian SibetFollowing tax laws to the T is something that very few people can boast of. Among the several options that are available, the deferred tax growth of an annuity account is what interests people the most. For the duration that the money lies in an IRA like account, the entire figure is not ...
Views: 733 - Staying abreast of annuity rates - by Submitted on Apr 21, 2010 from Brian SibetWith the recent fluctuations of the economy as well as the looming credit crisis, it was but natural that annuity rates take a beating. One of the first moves by the government and the Federal Reserve were to bring down interest rates in order to level the credit crisis that had the nation in ...
Views: 780 - The risks involved with annuities - by Submitted on Apr 21, 2010 from Brian SibetThough the concept of annuities is a common one, you have to understand that there are certain risks associated with it. To begin with you have to deal with a range of taxes when you decide to withdraw the money. There is no such thing as capital gains for annuities. Irrespective of the kind of ...
Views: 708 - What are your options on lump sum annuity? - by Submitted on Apr 21, 2010 from Brian SibetWe work all our lives to reach retirement age. All throughout, the plan is to have a peaceful time in one’s prime. But in order to live that picture postcard life there are certain important decisions that have to be thought of. How you receive your pension is an important one. Would you like to ...
Views: 782 - Auto Insurance Tips That Work and Could Save You Money. - by Submitted on Apr 24, 2010 from Chris DowningFor lots of Americans auto insurance is a very expensive purchase. To make an informed decision you should learn as much as you can about the underwriting factors that affect the cost, the different amounts of coverage available, the requirements in your state, and about what insurance companies ...
Views: 959 - Why People Buy Life Insurance and The Three Basic Categories. - by Submitted on Apr 24, 2010 from Chris DowningPeople buy life insurance because the odds of your house being destroyed by fire are considerably less than the possibility of your family losing your home through the untimely death or total disability of the breadwinner, because without your income your family would still have to make your ...
Views: 1063 - Review Life Insurance Needs - Keep Insurance Portfolio Up To Date - by Submitted on Feb 26, 2010 from Donald LusanIt is just simple common sense to review life insurance needs each year. The amount of coverage you now own may be too little or, in some rare cases, too much. Life insurance is intended to protect the income of the breadwinner. It is designed to replace this income in the event of the premature ...
Views: 1134 - Importance of Life, Health and Long Term Care Insurance - by Submitted on Feb 22, 2010 from Matthew MarksburyMany of us do not have any or not enough Life, Health and LTC Insurance and we should really take a deeper look at all three to protect our families’ future. Let us start off with Life Insurance. Most people especially the younger generation do not see the need for Life insurance. People ...
Views: 1096 - Benefits of Using Mortgage Protection Insurance Brokers - by Submitted on Apr 13, 2010 from David SwanIt is now very common for mortgage protection insurance to be bought online. Media advertisements have encouraged millions of people to compare insurance rates from competing insurers online and then buy those policies online. Although online insurance purchases are becoming very popular there ...
Views: 1214(3 votes) - Factors to Consider When You Get Auto Insurance - by Submitted on Feb 06, 2010 from Emma StewartDue to the high cost of motor vehicles these days, it is now pretty difficult for people to actually pay off their automobiles. It can take several years for a person to actually pay for their purchase immediately, given that no other problems have occurred. Auto insurance is perhaps the most ...
Views: 959 - Ways to get the best auto insurance. - by Submitted on Feb 06, 2010 from Emma StewartWays to about getting cheap insurance can include, getting the best insurance coverage and rate by shopping around, increasing your deductible from the lowest amount to a significantly higher one, reducing or eliminating any unnecessary coverage options that are just added on, and finally ...
Views: 898 - Four ways to getting cheap auto insurance - by Submitted on Feb 06, 2010 from Emma StewartFinding the cheapest auto insurance happens four different steps. The first would be to get the best rate by shopping around. The second would be to increase your deductible, (if you can afford that). The third would be to get as many discounts as you can qualify for. The forth and final thing ...
Views: 1076(1 vote) - Tips for finding cheap insurance - by Submitted on Feb 06, 2010 from Emma StewartThere are many different ways that people can go about getting cheap car insurance, regardless of their age, employment status and place of residency. Some of the best things that one can do, when it comes to wanting cheaper insurance, would be to shop around for coverage, ask about discounts, ...
Views: 954 - Types of Long-Term Mortgage Protection Insurance for Sickness and Injury - by Submitted on Apr 13, 2010 from james whiteMost literature on the Internet relating to mortgage protection refers to payment protection insurance (MPPI). This type of insurance only provides short-term mortgage cover for sickness and injury. For example, this policy type will pay home loan repayments if the policyholder suffers sickness ...
Views: 1130(3 votes) - Self employment and health insurance - by Submitted on Apr 13, 2010 from james whiteThere is no doubt when you ask most people they would love to be in complete control of their working life. Although in theory it is a nice thought, self employment is an uphill struggle with a great deal of work and pressure. The brave ones who make this leap will recognise this, they will also ...
Views: 1508(3 votes) - Inflation, Mortgages and the Insurance Market - by Submitted on Apr 13, 2010 from james whiteIn almost all areas of the world central banks have pumped billions of dollars into the economy. The vast fall in credit market liquidity and the resulting economic downturn forced central banks to abandon monetary policy techniques that appeared to work so well over the previous ten years. In ...
Views: 1163(4 votes) - A Behind the Scenes Look - by Submitted on Jan 31, 2010 from Barbara MartyPlacing Professional Liability Insurance for Architects, Engineers and Environmental Consultants is our sole focus. As insurance brokers, we know that getting the best terms for our clients requires that we negotiate with underwriters the premium for each client. To do this effectively it is ...
Views: 1338(1 vote) - Should the Insurance Industry Intermingle the Terms Income Protection and Payment Protection? - by Submitted on Apr 13, 2010 from james whiteTo those within the insurance industry it is very clear that income protection and payment protection are two very different products, with two very different purposes. However, one would not realise this given the way these policies are marketed. It is often the case that payment protection ...
Views: 867 - The Most Commonly Used Forms of Protection Insurance Cover - by Submitted on Apr 13, 2010 from james whiteThe latest quarterly Savings and Protection Survey (Q4 2009) from the Association of British Insurers (ABI) revealed the most commonly used forms of personal protection insurance in the UK. The data was collated over the previous six quarters from a sample of working respondents, which provides ...
Views: 1094(3 votes) - PPO Vs High Deductible Health Insurance - by Submitted on Jan 29, 2010 from Finance EnquiryStop loss, co-insurance, and deductible are three main factors that you need to take into careful consideration while comparing PPO and high deductible health insurance plans. Both these plans have deductibles. However, the amounts vary depending upon the type of plan that you choose. The ...
Views: 1787 - Tips to a Fruitful Home Insurance - by Submitted on Jan 28, 2010 from Steve AndersonGetting home insurance may look extravagant for the people who do not know the advantages of the same. One of the things that are considered by mortgage companies before they extend a loan to their customers is the home cover for the entire amount or a fair amount of the home. It is advisable to ...
Views: 865 - Tax Planning and Projections - by Submitted on Jan 28, 2010 from Mitch HelferTax Planning Let’s face it — no one likes paying taxes. The key is how best to do this correctly and legally. It’s not a matter of not getting caught! Its a matter of having the requisite knowledge to know what strategies are available and how to best take advantage of these ...
Views: 818 - Insuring Your Car is an Absolute Must - by Submitted on Feb 01, 2010 from Lynne CampbellMaintaining car insurance is a requirement of most states. Yet, even if your state does not require that you carry insurance, it is still a great idea to have this protection. Getting into an accident can destroy your budget overnight if you don't have proper insurance. As rates go down and ...
Views: 1192 - Life Insurance No Medical, No Physical Or Doctors Exam - by Submitted on Jan 26, 2010 from Donald LusanIt is really no mystery why life insurance no medical has become so desired by term insurance buyers. They simply seek the easiest way to buy their policies. There is the occasional desperate person who tries to get over on the life insurance company but these individuals are wasting their ...
Views: 1207 - Important Information On Direct Car Insurance You Need To Know - by Submitted on Jan 23, 2010 from Finance EnquiryAlthough most advertisements proclaim loudly that getting direct car insurance is so easy that even a caveman can do it, nothing could be farther from the truth. Facts are that an insurance company will look into your past driving record, age, gender and location before deciding on how much ...
Views: 1021 - Truth in Cutting Insurance Costs - by Submitted on Jan 22, 2010 from Andrea LuoniCan we start an auto insurance revolution? I saw this article "Tips on Cutting Insurance Costs" on the web, read the article and read the comments section where one woman asked a question about why her home insurance premium went up, I thought I could help.. Plus the article although well ...
Views: 1293(2 votes) - Disability Insurance, Simplified - by Submitted on Jan 17, 2010 from Jordan KovatsDisability Insurance is often overlooked by many people, including other Financial Advisors. Some think it is too complex to understand, too difficult to collect on a claim, or too hard to be approved for. There were times when Advisors had to go through a 17 page application form, and then ...
Views: 1618(1 vote) - How to Invest Using a Health Savings Account - by Submitted on Jan 15, 2010 from Wiley LongWhen an individual enrolls in a Health Savings Account, he or she has a wide variety of options to choose from when it comes to deciding where to put his or her savings. Similar to an IRA, funds deposited into a Health Savings Account can be invested into a wide variety of high interest-yielding ...
Views: 965 - Income Protection- Protecting You When You Are Unable To Work - by Submitted on Jan 02, 2010 from Albert SmithJust as it is important to buy home insurance and motor insurance, it is also important to buy income protection. You can never know what is going to happen in future. You can become sick or incapacitated and be unable to work. If you are unable to work, it means that you will not be able to get ...
Views: 768(1 vote) - The 5 Most Important Things You Should Know About Health Insurance - by Submitted on Dec 23, 2009 from Amy Korn-ReavisIt is the time of year where new insurance policies will be taking effect. Many companies have made changes to these policies and it is important that you as the user of that insurance policy understand what it covers. The fact is that even if you call the customer line anything you are ...
Views: 1384(2 votes) - Health and Productivity Management as an American Corporate Competitive Advantage - by Submitted on Dec 22, 2009 from Paul CantwellBy: Paul Cantwell – President of HealthCorp Solutions Employers have a significant opportunity to impact their bottom line as well as the health of Americans. Studies clearly show that demand is driving health care cost at an upward trend with no end in sight. It is up to employers to drive ...
Views: 1140(2 votes) - The Fatal Disconnection costing Businesses and our Country Millions! - by Submitted on Dec 22, 2009 from Paul CantwellBy: Paul Cantwell – President of HealthCorp Solutions There is a significant disconnection between how companies view the risk of providing a good health benefit program to their employees and how companies view other corporate risks like Property, Casualty, Liability and Workers ...
Views: 928(2 votes) - Democratic Lawmakers Promise to Close Medicare Coverage Gap for Prescription Medications - by Submitted on Dec 22, 2009 from Wiley LongMany seniors who participate in the Medicare program struggle to pay for their prescription medications each year. With the Original Medicare system, there is a prescription drug coverage gap of $3,610 - a shockingly high figure for many individuals who are no longer earning an income that ...
Views: 1485(4 votes) - Affordable Family Insurance Will Help You and Your Family through Tough Times - by Submitted on Dec 22, 2009 from Ronnie HamiltonWhen someone in your family gets sick or injured you want to have an affordable family insurance plan to help you through your tough time. Without health insurance injuries and illnesses as small as a trip to the hospital can become very costly and can mound up to be hundreds and even thousands ...
Views: 806(1 vote) - Healthcare, Anecdotes and The President - by Submitted on Dec 09, 2009 from Herb KayLike millions of other Americans, I watched the President deliver his speeches on healthcare before Congress and America, shouting and all. As neither a Democrat nor Republican, I am unfettered by the need to promote some party line or talking points. But I do have an opinion. So here are my ...
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