Gone are the days when you spent hours in shopping. Nowadays shopping can be done online. You are almost done with some few clicks. Online shopping is becoming a trend in the UK market these days. People who are so busy with their routine hardly find time to shop. Online shopping is the best way for the workaholics. Not only has it made their works easier but also offers maximum cash benefits. There is lot more ways to maximize your cash earning while purchasing an item online. Let us discuss about online shopping and the cool ways to maximize your returns.
What is online shopping?
With the advent of cutting edge technology, shopping can be made online like the same way you do your virtual shopping. You can buy anything online without visiting the shop in person. These online portals have user friendly navigation in order to ease up your shopping. Ranging from groceries to complex electronic gadgets, you can buy everything online. Nowadays lots of shopping portals have different set of procedures to buy things online. All these portals have separate payment gateways were you can make the payment online. All you have to do is to own a credit card with sufficient funds on it and an internet connection.
What's special about online shopping?
These online shopping portals have lot more differences compared to your normal shopping. Lot of offers, discount coupons and many exclusive freebies are some of the highlights of the online shopping. Some portals even offer free home delivery. Online shopping is one of the safest ways to buy expensive items. You can compare the quality and cost of some items contrastingly. But, you can't do the same while you do you r shopping in person. Some sites offer cash back guarantee while you do online shopping in their portals.
How to maximize your profits while doing online shopping?
Online shopping is a cool trend nowadays. You can make your shopping more productive and beneficial when you chose the right portal to do one. These cash back portals are nothing but similar to B2B sites (Business to Business site). Majority of these cash back site contains a variety of links of the popular shopping portals in the UK . These cash back site serves as a gateway to your convenient shopping. They have nothing to do with the shopping stuffs.
They simple have the details of the top notch retailers and their offers in their portal. It doesn't end here, as one of the most interesting features of this cash back portal is its cash back offers for every purchase you make trough this site. Most of the cash back portals offer free membership and you will be given a separate account. Every time when you purchase any item through any of the links listed in the cash back portal, your account will be credited with certain sum of amount. When your account crosses certain limit, you will be paid by the cash back portal. So, you not only enjoy the cash back benefits but also enjoy some other cool offers like discount coupons and credit points. These coupons can give you much more benefits than any other shops can offer while you shop in person.
Things to keep in mind before shopping online.
- Even though online shopping has lot of advantages, it has to be done with utmost caution.
- Never reveal your account details to anyone.
- Make sure about the delivery of the products you order. You have to provide a valid address.
- Payment processing must be done with great caution, read the disclaimer policy every time you make a transaction.
- Select a genuine portal for shopping online. Make use of the consumer reviews portal to know about the recent offers and attractive deals.
If you make a clever analysis of the cash portal site, you will be the one to enjoy massive benefit from such sites.
Cameras enable us to capture the most memorable moments of our life. This is the reason many of us have at least one. Cameras, professional or personal are expensive as well as delicate to handle. A little negligence or mishandling can damage them. Though most cameras are often covered by manufacturer's warranty, it typically expires in a year and covers only the manufacturing defects.
Hence, a sensible solution to safeguard your camera is to insure it with a right cover. As many insurance companies are offering different policies, it is necessary to understand the possible risks and the required protection for your camera. In this article, we will discuss on the things you need to consider before choosing a camera insurance policy.
Broadly, camera usage can be classified in to two types - personal and professional. Under personal usage, the camera is used purely for personal purposes, without any intention of making money. Even if you use a high-end professional camera, without making money, it cannot be considered professional usage. As part of professional usage, you use a camera to make money.
So, before opting for an insurance policy, be sure about your usage. Based on what kind of a photographer you are (as this determines the usage of camera) - amateur, semi-professional, or fully professional, there are different types of camera insurance policies.
Many insurance companies offer camera insurance policies that have geographical restrictions. In case your camera has suffered damage outside the mentioned territorial limits of the insurance company, you are not eligible for claiming amount for the damage.
Imagine you were on a family tour. And while capturing some images, your camera fell down accidentally and stopped working. You may not bother much assuming that you have camera insurance to take care of this. But, when you call and report the same to the insurance company, their response may upset you. They may say that the insurance is applicable only if the accident happens in the city or country limits.
So, make sure that the insurance is applicable globally or at least all over the country to make it worthwhile.
What all are included in the accidental damage?
At times, the insurance policies are very tricky. Though the policy claims that it offers cover to all possible accidental damages to the camera, in reality, the companies have a certain list of accidents, only for which the cover is applicable. Different companies include different accidents.
For instance, a general damage caused because of wear and tear, repairing, cleaning, and battery leakage, may not be considered and hence, makes the claim invalid. Be sure about the terms and conditions of accidental damage before purchasing the policy.
Theft coverage is one more important thing to consider. As the chances of fraudulent claims are more when it comes to theft, insurance companies are a bit tough on claims related to theft. While, some companies may completely exclude theft coverage in the policy, some may include, but with conditions. Hence, be aware of the theft coverage before choosing the policy.
Other things to consider
In addition to above mentioned things, there are a few other points that are worth considering.
• Equipment cover: This cover is applicable to professional photographers who possess different camera accessories like additional lens, cover filters, tripods, lighting, flash equipment, etc. Besides offering cover to the body of the camera, if the policy offers cover to these accessories also, it would be beneficial.
• Public liability insurance: This would again help the professional photographers who own studios or those who perform photography sessions outdoors. Public liability helps them to save costs on the legal claims made by the injured public at the studio/outdoor shooting location due to photographer's negligence. This insurance is for the studio owner and the cameraman, but not the camera.
• Equipment replacement: Camera replacement or 'old for new' are some of the schemes offered by the insurance companies. As they seem like a bait to attract the customers, one should be careful while considering these schemes. They can be considered to be useful to the policy holders, only if the terms and conditions are made transparent by the insurance company. Depending on the policy and specific conditions, the companies may replace your damaged camera with a new one.
You need to consider these points before choosing camera insurance. Approach a reliable broker to get a fair deal on your camera insurance policy. As he is a professional in this field, he understands the industry specific terminology and helps you choose the right policy.
Except for a couple of purists, no one really cares who pays the doctor or hospital as long as it isn’t you, the patient. Do you really care if your $300,000 bill from the Cleveland Clinic or University Hospital is paid by Anthem Blue Cross or the federal government? Honestly? No. All you really want to know is how much, if anything, you will owe once the dust settles. And the providers? The insurers pay more, but have a lot of paperwork. Medicare pays less, but quickly. Based on the number of medical providers that accept Medicare (darn near everyone), I’m guessing that there are no serious complaints. The hospitals may even like having two major funding sources to play against each other.
I have tried to teach my clients what I know of the game. My senior clients learn about the origins of Medicare Parts A and B, the backroom deals that gave us Part D (Rx), and why costs are out of control. Countless clients have been clued in that those obscene charges are negotiable before and after services have been rendered.
Your perception of our system changes today thanks to Time magazine. Blessed with budget, time, and amazing persistence, Steven Brill has given us Bitter Pill, Why Medical Bills Are Killing Us. Mr. Brill tracked claims and laid bare the abomination that is our system of billing for services – real or imagined. Straightforward in his prose, laborious in his detail, Mr. Brill presents a system of overpaid executives and hyper profitable not-for-profits.
The real issue isn’t whether we have a single payer or multiple payers. It’s whether whoever pays has a fair chance in a fair market. Congress has given Medicare that power when it comes to dealing with hospitals and doctors, and we have seen how that works to drive down the prices Medicare pays, just as we’ve seen what happens when Congress handcuffs Medicare when it comes to evaluating and buying drugs, medical devices and equipment. Stripping away what is now the sellers’ overwhelming leverage in dealing with Medicare in those areas and with private payers in all aspects of the market would inject fairness into the market. We don’t have to scrap our system and aren’t likely to. But we can reduce the $750 billion that we overspend on health care in the U.S. in part by acknowledging what other countries have: because the health care market deals in a life-or-death product, it cannot be left to its own devices. Steven Brill – Bitter Pill, Why Medical Bills Are Killing Us
You won’t agree with all of Brill’s conclusions. I certainly don’t. But read his work. This should be the new starting point of our national conversation. DAVE www.bcandb.com ***
These individuals and professionals who are called as financial planners earn their designation after going through a rigorous training. They usually had to pass a comprehensive two day 10 hour exam. The exam is an extensive and comprehensive one and usually includes topics from subjects like Tax Planning, Financial Planning Process, Tax Planning, Employee Benefits, estate planning, insurance and investment management, employee benefits and retirement planning.
Before offering services to clients and prospects they usually need to get certified that they are serving clients in this field for at-least three years. They are also need to prove that they are well-experienced in financial counseling skills and financial planning. One of the major needs in the field of business and finance is that your inflow and outflow of money has to be managed and tackled in a Smart way. Means everything should be managed in such a way that it is specific, measurable, attainable, realistic and time driven. And these could be achieved only when you have someone who has scientific knowledge in the field of money.
These individuals and professionals make extensive and comprehensive plan about how you should invest your money for maximum returns, do you need to invest your money in stock market and which stock should you buy. They also gauge how much you can afford to lose and what you ought to do in extreme cases. This is why people should hire professionals that could offer you advise on how you should invest in a diversified portfolio that is made up of a mix of taxable and tax free plans so that you receive maximum returns even when the market is volatile.
These people could guide you about how you can get cash in case any emergency arises. They will also guide you how to could you get fixed income after your retirement and all those things. The bottom line is that if you want to invest and manage your cash flow in a scientific and profitable manner Certified Financial Planners could help you in many ways provided you choose the efficient and capable professionals who is acquainted with every ins and outs of financial planning.
If you are a keen snooker player you will already know that there are a number of things that can help you to improve your game, such as your cue control, your positioning, and even the equipment that you play with. One key aspect to playing snooker well is your snooker stance, which is the way that you are positioned at the table when you are taking your shots.
Whilst you may not realise just how important stance is when playing snooker it is actually one of the most important aspects of playing this game well, which is why it is important that you develop your snooker stance and learn how to maintain it when you are playing snooker so that you can play consistently good games. So why is mastering your stance so important when playing snooker? Well, there are a number of reasons why it is such an important key to a good name including the following:
Stability: Once you have mastered your stance you will find that your stability will enable you to take far smoother, more controlled shot when potting balls. Your stance helps you to stand solidly, which means that there will be minimal movement in the rest of your body whilst you take your shots.
Balance: Your stance is something that will affect your balance when you are playing snooker. In order to take a smooth, accurate shot proper balance is vital, and this is something that you will gain from developing your snooker stance.
Consistency: Mastering your snooker stance means that you will be able to position yourself correctly each time you are taking a shot, so every shot that you take will be as controlled and smooth as the last. This will give you a far more consistent game.
Other benefits: There are also other areas of your game that will be positively affected once you have developed your snooker stance. This includes your cue grip, your cue control, your accuracy levels, and your confidence levels.
Some people find mastering their snooker stance when playing snooker far easier than others. However, if you are struggling then do not panic - as is the case with anything else practise will prove invaluable when it comes to getting your stance right. Spend time practising your stance and taking shots to try and improve and keep going until you feel you have got your stance just right.
Debt consolidation provides financial solutions to borrowers to settle their debt related issues. The main objective of debt consolidation is to consolidate your debts and all debt related matters. You can solve the various debts in a single loan.
Debt consolidation can be obtained in secured and unsecured form. In secured form borrowers have to place their property as collateral for approving the loan. The applicant can use any of his valuable assets like home, car, or valuable papers as collateral against the loan. But unsecured loans are approved without demanding any collateral from borrowers. Both tenants and homeowners can approve the amount and repay the debts with the advantages of unsecured loans.
Though rate of interest in debt consolidation is low, applicants will find the variation in rates from lenders to lenders. Moreover, the rate of interest is depended on various factors such as, loan amount, repayment terms, equity of collateral etc. For a level-headed rate of interest compare and collect the quotes of different lenders. The lender can also collect quotes through online medium which provides instant details. The application and approval of debt consolidation has become easy and saves applicants precious time when used online.
Debt consolidation is calculated to serve people irrespective of credit score. Bad credit holders can settle all his debts indebted to various creditors which might help him to restore his financial credentials.
The benefits of debt consolation help the borrowers to get rid of the irritating remarks of creditors and also instead of paying to different lenders they have to pay to a single lender.
Cause and effect. Stand in the rain and you will get wet. We get that. We aren’t surprised, normally, when 1 plus 1 gets us 2. But human nature will, at times, have us rooting for a different result. There are times when we desperately want to be able to walk between the rain drops or somehow add 1 plus 1 and get 5. Or even 6! And we are surprised, shocked, when we get wet.
The Cleveland Plain Dealer carried a wire story yesterday by Noam N. Levey. The P.D. headline was Health care premiums to rise? In the Los Angeles Times it was States worry about rate shock during shift to new health law. You’ll want to read the Times’ version. It is fifteen paragraphs longer.
Some of the biggest proponents of the Patient Protection and Affordable Care Act (PPACA) have suddenly realized that health insurance premiums are about to increase. A lot. How much? No one really knows for certain. The plan’s advocates are openly nervous even though they appear to be soft-peddling the full extent of the problem.
Affordable care is in the eye, or wallet, of the beholder.
Oregon’s insurance commissioner, another supporter of the law, said new regulations could push up premiums for young customers by as much as 30% next year. He urged administration officials to slow enactment of the new rules.Noam N. Levey
State insurance commissioners across the country have focused on the increased benefits built into all of the policies, the elimination of underwriting, and the new age/rate ration as particularly troublesome. Young, healthy males in their early 20’s now pay about 1/5 the price of healthy males in their early 60’s. The new law reduces the ratio to 1:3. Will the rates decrease for the 60+ year olds? Maybe a little. So to hit the ratio, the rates for the young must increase.
The ratio change impacts the young disproportionately. Ending underwriting and adding maternity, and lots of other new benefits described in previous posts, will also escalate premiums. Still, fans of the PPACA maintain that young people will gain enough in benefits to offset the cost.
How does a 25 year old afford a $250 to $300 monthly premium? Subsidy! Americans who don’t receive their health insurance from their employers may qualify for a federal subsidy. The subsidy is available to people earning up to four times the federal poverty level which is about $92,000 for a family of four. Curious about how much subsidy you might get? Check out the online calculator created by the Kaiser Family Foundation. It is really easy to use.
So the government passed a law, makes a lot of rules and regulations, pushes up insurance premiums, and then lots of us get a subsidy. It would appear that everything is in balance. For once, a happy ending!
Not so fast. The money for the subsidy has to come from someplace.
$101,700,000,000 over ten years is a good down payment for the PPACA. $101.7 billion doesn’t cover the actual cost of the President’s plan, but the Health Insurance Tax (HIT) is a key element. The HIT is a tax charged to insurance companies on fully insured health policies. These are the policies covering individuals, the self-employed, and small businesses. Medicare Advantage and Medicare Part D (Rx) contracts are also affected. This tax will be passed directly to the consumer.
The 2011 Oliver Wyman projection was ugly. The ten year total cost projections:
- $2,150 – Single coverage
- $5,080 – Family coverage
- $2,760 – Small group single employee
- $6,830 – Small group family
- $3,590 – Medicare Advantage beneficiary
- $161 – Medicare Part D (Rx) participant
Representative Charles Boustany (R-LA) and Representative Jim Matheson (D-UT) have introduced bi-partisan legislation to repeal the Health Insurance Tax.
The President’s health care law is full of hidden tax increases. Beginning in 2014, millions of American small businesses will be subjected to a new health insurance tax (HIT) coming at a cost over $100 billion. This tax will close many small businesses and kill jobs once implemented. The HIT will cost each affected family an average of $5,000 in higher premiums over the next decade. The Jobs and Premium Protection Act prevents premium increases for small businesses and protects jobs by repealing this unfair tax. It keeps more money in the hands of small business owners and employees instead of levying higher taxes on job creators and American workers. I encourage my colleagues to join in honoring our commitment to protect small businesses and the millions of workers and families depending on them.
Congressman Charles W. Boustany, Jr., M.D., (R-South Louisiana) after introducing “The Jobs and Premium Protection Act”
Will the tax close small businesses? Probably not. Will Boustany/Matheson pass the House? Probably. Would a similar bill pass the Senate? NO! If the cost of insurance is your biggest concern, this tax and the legislation to repeal it are relevant. If the government spending money it doesn’t have is your major concern, then you will want to see the tax enacted.
Surprised? Really? Let me get you an umbrella.
The logic behind turning to a consolidation program is that it provides a constructive way in which to clear the slate and adopt a more effective debt management structure. It is better than bankruptcy because it does not damage a credit reputation since all creditors are repaid in full, and lifts the pressure because the repayment structure is easier.
But can a consolidation loan really rescue your financial situation for good? Understanding how consolidation works, and what terms to look for, is the key making sure it does.
Consolidation: An Explanation
Simply put, consolidation is all about gathering together the existing individual debts and paying them off completely with a single loan. Securing a consolidation loan with bad credit does depend on meeting some criteria, and accepting less than ideal terms, but the overall benefits are too much to ignore.
Most people have 4 loans to repay, as well as an average of 3 credit cards. This can create a major headache in terms of meeting repayments on the agreed due dates. What makes consolidation such an effective debt management structure is that it simplifies the task of meeting the debt by replacing multiple balances with a single loan, and multiple payments with a single payment.
But to make a consolidation loan truly effective, there are some terms that need to be addressed. For example, the repayment period should be as long as possible. This means the repayment due each month can be kept low, which also frees up extra cash for other financial obligations. Some lenders grant terms of up to 30 years.
Meeting Consolidation Program Requirements
Qualifying for a consolidation loan with bad credit is fairly straightforward. In fact, lenders are quite open to accommodating bad credit borrowers. After all, the purpose of the program is to get to grips with crippling debt.
The normal criteria when applying for any kind of loan relates to age (over 18), citizenship (US citizen) and employment, with most lenders stipulating applicants must have been employed full-time for at least 6 months prior to application. Having a reliable source of income is obviously necessary for any effective debt management program.
Also required is a large enough income to be able to meet the repayments each month. However, it is the excess income that really matters, with the debt-to-income ratio dictating only 40% can be used to make repayments, including those for the consolidation loan.
Securing the Best Program
There is no doubt that the Internet is the key resource when seeking the best terms for a consolidation loan with bad credit. Online lenders are less costly than traditional ones, charging lower interest and providing more flexible repayment terms.
As recognized experts in bad credit lending, they are your best bet when looking for an effective debt management program that is also affordable and flexible. However, when the debt is extreme, it may be better to secure the services of a debt consolidation company.
Be sure to check the reputation of any prospective company before agreeing terms on a consolidation loan. So, use the Better Business Bureau website to see how trustworthy they are.
For businesses looking to make some inroads in their own markets, one of the best strategies available is to make connections with a host of china export companies that can provide your business with a competitive advantage on goods and services. China export companies have been growing exponentially over the last decade. With globalization a key to keeping your enterprise or corporation stable, profitable and growing in the future, it is now more advantageous than ever to take advantage of the opportunities that China export companies offer. Here are some tips.
China Export Companies Can Make the Difference
One of the most advantageous strategies your business can implement is to find China export companies. In almost any industry and for a wide range of businesses, you can purchase products and services from China export companies for less. This not only gives you a competitive advantage in your market, but can help you achieve a wide range of your business goals as well. However, in order to start trading with China export companies, you must first make connections with the right businesses. This can be done with one simple tool- Made in China.
Make Valuable Business Connections
Made in China has been helping millions of businesses make connections with China export companies for years. While in the past, it took an enormous amount of time, money and experience to find the right China export partner, today, almost any company large or small can find suppliers to provide them with the goods and services they need to compete in their home markets. Made in China gives you the tools and resources necessary to make these connections such as the ability to search through their network of millions of businesses within seconds to find companies that fit your interest and then to further research specific companies that might provide the best fit for your specific needs.
China Export Tools and Resources to Improve Your Overall Business Dealings
While making the right connections with a China export partner is the first step to a possibly fruitful partnership, other aspects are vital to the process of doing business with China exporters. For instance, understanding customs, tax and other facets of China export issues can help you better offset costs and reduce the time it ultimately takes to do business with your new China export partner. Made in China can assist you in many ways on this front. With a variety of comprehensive trade consulting products offered, your company can do business efficiently and effectively reducing your overall costs and time constraints.
For businesses looking to gain advantage by employing China export partners for products and services, one company that can help you achieve your goals on a variety of fronts is Made in China.
(Article source: http://www.madeinchina.com)
When looking for the best interest rates, keep in mind that there are other charges involved such as re-pricing, penalties and so on. If you are not in the business, these configurations of mortgages can be confusing. The financial jargon used may not be easily decipherable to a lay person. The Denver home mortgage rates are generally paid long-term and many of the provisions stipulated in the loan contract are variable as well as time-bound. You can opt for fixed rates for the entire duration of the loan or you can find provision that allow you to change the fees and penalties. It is therefore advisable to consult a financial advisor and find out the best loan packages before making a selection.
Let the Denver mortgage loan rates be the focal point when you plan your package as you will have to pay a large sum over a period. You can opt for the fixed rate where the interest rate is determined when you sign the loan agreement. You will have to abide by the terms unless you plan to repay the loan earlier. However, the rate can be changed if you prefer the package that allows for an adjustable rate. You have the option of prepaying and avoiding penalties when you opt for this package. You can decide to pay the interest or pay as much as you can after the initial closing period as you have both options open. You can use the option of flexible payments when you choose this type of package. If you decide to take a 30 year mortgage, you may pay up nearly three quarter of the payment towards interest in the early five to six years. This may get you very low interest rates.
In order to get the best out of the situation, try to select a reputed mortgage company that can solve your problems and help you make the right choice. We are aware that nearly 98% of all home purchase is possible because of mortgage loans. You should look into making large payment early in the loan term if you have the means as this will lessen the amount of interest you pay in the long term. Try to use online software programs to keep track of your finances. Try to put the extra money stashed aside towards the mortgage to pay off the loan early and cut down the loan length.
What's an information empire? Well, it's an empire of your information products selling round the clock and bringing home cash to you! Here are 5 scarily potent tactics to grow a 5-figure Internet information empire from scratch:
1. Make The Most Of Resell Rights
Resell rights products are instant products you can plug in and sell right away! They usually come with a completed sales letter and ecover, so they are ready to be sold immediately. Make the most of resell rights products when you can.
2. Turn A Teleseminar Into A Product
Conduct a teleseminar and turn it into a product that you can sell later on. Let your teleseminar participants know that you will be turning it into a product and selling it.
3. Turn Your Articles Into A Product
Written some articles in your niche? You can make a compilation of them and create a small report out of it and use it as a lead generator or a low-cost front-end product. It's as easy as copying and pasting your articles into a Word document, and converting the document into PDF format.
4. Create Audio/Video Versions Of Your Ebook
Once you have created an ebook, you can create an audio version of it by hiring a voice over artist to read out your ebook. You can also create video tutorials that complement your ebook.
5. Create A Home Study Course
Once you have a complete package of ebooks, reports, videos, and audio, you can create a complete home study course and sell it a premium price! This is a way to sell your products to those who want the whole enchilada from you.
|International Medical Claims|
|department of insurance|
What is insurance?
The importance of insurance is felt in every sphere of life. Life involves risk and while it is often unavoidable, you can certainly take steps to minimize its effects. Many individuals opt to buy insurance to protect their needs. Insurance is a contract between an insured and the insurer where the latter agrees to compensate the former against potential future losses upon payment of premiums.
Who needs Information Technology (IT) insurance?
Information technology services involve the provision of both products and advice and yet the purchase of appropriate insurance is usually the last decision a business will make. Typical IT insurance protects the firms from claims arising out of professional negligence or failure to perform professional duties. IT insurance firms also covers errors and omissions that result in loss or client data, system failure, claims of non-performance or careless overselling of services.
Professional Liability Insurance
The basic idea behind professional liability insurance is that it provides protection against Claims arising from third party loss i.e. settlement is not made to the Insured, but to the third party who has suffered the loss. Any act, error or omission that results in a direct financial loss to a third party client may result in allegations of negligence against the company which can result in both financial loss and also damage to reputation and good will. In the event of a Claim, some insurers also agree to pay defence costs as well as any settlement amounts up to the limit of indemnity taken under the policy.
The provision of information technology services includes computer consultancy, database management, hardware networking, web design and development and internet services.. Companies providing internet services can also be subject to substantial claims resulting from allegations of copyright and trademark infringement or the effects of computer viruses. Web designers may inadvertently use copyright protected materials while conducting their professional services which may result in substantial fines and penalties..
General Liability Insurance
The General Liability section of an IT insurance policy ensures the company's physical assets and equipment are covered, in addition to providing cover for any product damage that a third party may suffer as a result of the company's professional services. The insurer provides protection against fire, theft, flood and accidental damage. General liability insurance does not cover damages incurred as a result of mechanical failure, virus attacks or equipment left behind in public transport or public places. If equipment is stolen, or the damage is beyond economic repair, the insurer may consider providing the insured with replacement equipment.
However, it is important to note that most Information Technology liability policies are written on a 'claims made basis'. This means that you must have an IT insurance policy in place at the time a Claim is made against you, rather than the time the alleged act, error or omission is committed. Therefore, the policy in place at the time a Claim is made against you is the policy that will respond to that Claim, rather than a policy in place at the time of the alleged act, error or omission.
Women are imprisoned in their homes, and are denied access to basic health care and education. Food sent to help starving people is stolen by their leaders. The religious monuments of other faiths are destroyed. Children are forbidden to fly kites, or sing songs... A girl of seven is beaten for wearing white shoes.
-- President George W. Bush, Remarks to the Warsaw Conference on Combating Terrorism, November 6, 2001
Regular readers of this blog are all too aware that the health care debate has very little to do with the delivery of health care, the prevention of illness, or even curing the sick. The majority of the legislation and the debate is about money – How do we pay the doctors, hospitals and other medical providers? And how much? So this is really a political and financial discussion. But not today. Today, religion invades Health Insurance Issues With Dave. And religion never takes any prisoners.
Warning – If you are easily offended, stop now. Come back and visit next week.
Next month marks the third anniversary of the Patient Protection and Affordable Care Act (PPACA). The hundreds of pages linked above are the framework, the goals, that serve as the outline that will be fleshed out in thousands of rules and regulations in the years to come. Heavily promoted, from day 1, was that Preventive Care was going to be covered with no copays or fees under all health insurance plans.
Why cover Preventive Care? I don’t call State Farm when I need to get the oil changed on my car. But suddenly we are all going to get our annual physicals for FREE. We love free stuff. Now, if I get my annual exam and you don’t, then this works for me. You are helping to pay for my exam. If, however, we all get annual exams, then we are all paying for our own exams and it’s not really free. But let’s not mix facts into this feel good moment. Three years ago we learned that we were going to get something out of this – FREE Preventive Care.
What we didn’t know, in March of 2010, was that Preventive Care included Birth Control Pills, IUD’s, and the Morning After Pill. Who knew that the something for nothing section of the PPACA would become the most controversial portion of the legislation?
Allow me to summarize this issue by citing one of its most intemperate spokesmen, Kevin O’Brien of the Cleveland Plain Dealer.
This isn’t just about big, church-affiliated institutions like schools and hospitals, although they’re an important part of the argument. It’s not even about contraception. That’s just the issue that sparked the argument.And there you have it. My religion, or how I happen to interpret my religion, or the Truth as revealed to me be my spiritual leader will now determine which taxes I pay and what I give or withhold from my employees.
It’s about an individual right to live according to one’s faith.
What Barack Obama thinks about contraception is of no consequence whatsoever.
What each business owner who would be absorbed into a federal scheme to make contraception more widely and more cheaply available – factors that will encourage its increased use – thinks is the only thing that matters.
Those who believe that the government’s plan offends G-d should not have to participate in it. The free-exercise clause in the First Amendment – is in effect everyday, not just Sundays – says so.
Start with Mr. O’Brien’s fixation on Sundays. For millions and millions of Americans, Sunday is no different than Tuesday. The USA is home to Jews (Saturday), and Muslims (Friday), and, Atheists (no Sabbath at all). And of course, he assumes that all Christian denominations choose to follow, this time, the teachings of the Catholic Church. Do 100% of all Catholics abstain from Birth Control, IUD’s, and the Morning After Pill? 50%? According to Gallup, the number of Catholics who accept the use of Birth Control is 82%.
We would laugh at the idea of Orthodox Rabbis trying to outlaw shellfish.
Can we tailor each law to bend to the religious prerogatives of each citizen without devolving into total chaos? Ten years ago we chose to invade a defenseless country that supposedly had weapons of mass destruction. IT DIDN’T. Many a religious leader fought this second war and claimed that it was immoral. Did millions of Americans get to opt out and stop paying their taxes? Of course not.
The paragraph that opens this post deals with our reaction to the Taliban.
Even by Muslim standards, the Taliban is considered extreme in the way they interpret the Koran and how they apply the rules to day to day living. But our friends the Saudis still don’t let women drive.
Would a Saudi, living in the USA, be forced to hire a woman for a driving position? Pay property tax for a school district that had a coed driver’s education program? Pay women the same as men?
Where is the line? Catholicism can make rules, but not Methodists? Shall we poll the Hindus amongst us about our beef price supports? Once you open this door, it will be very hard to close it.
The Patient Protection and Affordable Care Act has more than a few problems. We need to determine how we are going to pay for all of the changes that were once thought to be covered. We need to decide whether Birth Control Pills, IUD’s, and the Morning After Pill should be considered Preventive Care and covered without cost to the user. Each person’s personal morality may inform his/her opinion and play a part in the discussion, but religion won’t rule the day.
Not in 2013. Not in the United States of America.
Since there are various types of loans available, it is necessary to make the right decision when it comes to sourcing out finance for purchasing your new home. Take a mortgage loan against property which you offer as security or collateral when you guarantee loan repayment. One of the types of options that you can choose is to opt for a fixed rate. This should be determined when signing the loan agreement and this will not change unless you plan to renegotiate the credit or complete the payment of the loan earlier than agreed upon. Make sure that you can meet the schedule in accordance with your income.
Many people opt for the adjustable rate though there is a risk that you may not be able to continue paying variations in the future. If the adjustable rate is “capped” you may not have to deal with unpleasant surprises and extend deadlines. There is another option of paying the interest only as they can control the payment during that particular time period. If one is able to get low rates of interest, it will prove beneficial as you pay three quarters of the payment in the first six years if you have a 30-year mortgage plan.
Since there are several points to consider and you may find it confusing, it is necessary to select the best mortgage company in the area. One of the best suggestions is to read the reviews online as you will be able to judge if the company you have in mind offers the lowest Colorado home loan rates. Try to find a reliable mortgage company such as Beacon Financial who are trustworthy and will guide you on the right path when it comes to Colorado home loans. Try to understand the option available and take advantage of the latest technologies offered by them to help you make the right choice. Do not hesitate to ask questions and learn more about mortgages and interest loans.
Since the movements in the interest rate change in the mortgage industry regularly, borrowers may end up paying more than anticipated. Read the financial news to be abreast of the latest Colorado home loan rates. Save money when you deal with reliable companies such as Beacon Financial and use the money for other home renovation, medical or credit card payments. Keep a close watch on the mortgage rates of other companies and try to pay up the loan within the time specified. Make sure the mortgage company offers you guidelines and advice when you need them
In this article, I'm going to reveal to you 5 reasons why information marketing is the perfect business model for Internet marketers. Information marketing is the process of creating and selling information products that teach people how to do something. The information products can be in various formats including video, audio, home study courses, conference calls, etc. Here are 5 reasons why I believe a business in information marketing is perfect.
1. You only have to create the product once - Creating the products is actually pretty easy and you only have to create the product once. By not having to constantly recreate the product, you can move onto other projects or create more products which ultimately makes you more money. Plus, you can easily change your products and/or update them with relative ease as information products are generally easy to create.
2. Information products are very hard to duplicate or imitate - One of the problems of physical products, like a golf club, is that you can create one today and literally within a few days, you can see an exact replica made in China for about 1/10th the cost. With information products, that's not the case. Someone would actually have to take the time to consume the whole product and recreate it themselves. Most people are not willing to do that.
3. Digital information products have little to no cost to deliver them - This is a HUGE benefit. Typical products have all sorts of extra costs to them, like packaging, shipping, production, etc. The costs can add up quick. With information products where most, if not all of them, are stored digitally, delivering the product can happen 24/7 on autopilot with no cost. If someone buys a new eBook or 6 hour program, usually the product will be delivered via email.
4. Insanely high profit margins - For all the reasons I've already stated, the profit margins are crazy. Think about it. You can create a product with little to no cost, you don't have storage or inventory costs since the products are usually digital, and you don't have costs to deliver the product, so realistically you have practically 100% profit margins since the only real cost was the time it took to create the product... and this all happens on autopilot.
5. People will pay to get information put together for them - People will argue that the information found in information products can be found for free online, which is true. So why would someone pay for something they can find online for free? Because they don't want to spend hours, if not days, finding all the information all over the place themselves. People will gladly pay you to package that information up together for them if it saves them time.
There are probably a million more reasons why information marketing is a great business to be in, but these 5 will give you enough information to chew on for awhile.
Most people are aware that if they are driving a vehicle and end up in an accident that is not their fault that they can file a claim. However, many people are not aware that if they are the passenger in a car that is involved in an accident that they too can file a claim. Either way you only have a limited amount of time to file a claim following an accident.
With that in mind you will immediately want to consider your options when it comes to acquiring a Solicitor to handle and file your claim for you. This is not something that you can trust in the hands of just anyone. Chances are that you want to acquire the money that you are entitled to in the fastest amount of time possible with the least amount of hassle. Therefore you must be very selective when choosing a Solicitor.
Another thing that you want to consider is the amount of money that each Solicitor may charge you to file your claim. Many Solicitors charge you a fee up front for their services regardless of whether you win your accident claim or not. If you want to avoid paying this fee you will need to acquire a Solicitor that offers a no win no fee strategy. That way you are not required to pay anything up front and don’t have to pay anything unless you win your case. This is generally referred to as a no win no fee compensation offer.
Apart from finding a Solicitor that has a no win no fee offer, you will also want to focus on the level of experience that the firm or individual you hire has. It is imperative that you don’t get caught up in focusing on no win no fee compensation offers and overlook the experience of the individual that you are hiring. If you want to ensure your success then you must take your time and focus on learning about the credentials and training that anyone you are hiring has.
Additionally you need to focus on the expertise that each firm or individual that you are considering has. If you are involved in an automobile accident then you must focus on those firms or Solicitors that specialize in these types of claims and that have a track record for winning their cases.
If you keep these ideas in mind you will easily be able to find the very best Solicitor to handle your case. Just take your time and be sure to focus on cost, experience, and expertise.
Any business leader that has ever engaged in a marketing convention knows that this promotional medium delivers an unprecedented array of benefits and overall return on investment. However, the results yielded at an industry function do require careful forethought and planning to successfully grab the attention of the crowd and steer them clear of the ever-present competition. But how? Oftentimes, these marketing events resemble the corporate version of a new cul-de-sac development. Lots of similarly constructed structures (aka - trade show displays) that all look pleasant enough, but don't really pack the advertorial wallop need to make a lasting impression.
If you want your business' exhibit for a trade show to stand out like a custom Cape in a sea of cookie cutter Colonials, it's time to start thinking outside of the box (or in this case booth!) and start getting creative with your convention image and displays for optimal impact. Understanding a few critical event rules can help ensure that your displays make the entrance you need to show the crowd that you are the only business at the event worth their precious time.
Rule #1: Trade Show Booths - Be The Round Peg In The Square Hole
Gone are the days when every business at an event was required to have square, boxlike trade show booths. Today's trade show booths literally come in every size and shape. Partner with a cutting edge design team who can help create finished exhibits that offer a distinctive final look that instantly differentiates your organization from the competition. The crowd will immediately be encouraged to visit your stands to get a closer look at what your organization has to offer.
Rule #2: Don't Be Afraid To Demand A Little Attention
Once you have finished trade show booths that are visually inviting, it's time to employ some other proven tactics. Most businesses offer free handouts to encourage visitors to check out their trade show exhibits. While effective, these promotional giveaways can prove a bit too reactive. Companies that want to get noticed can't be afraid to employ some proactive attention-getting tactics to stand out from the opposition. Bring your own sound system to be able to connect with the crowd throughout the day. Announce a raffle, ask trivia questions for prizes, hold a bidding auction for exciting merchandise, etc. In short, do whatever you can to be the (fun and exciting) squeaky wheel at the event!
Rule #3: Know What To Do With All That Attention
Of course, all the attention in the world is virtually pointless if your organization doesn't know how to effectively propel it forward into a lead or sale. While keeping the creative juices at a function is critical to success, it's also important to work closely with your team manning the trade show exhibits to ensure that they can best manage the influx of visitors and appropriately represent your organization. Consistent training sessions, either internally or through a partnership with a professional provider, can help ensure that your staff is ever-ready to engage, connect and close with every visitor that checks out your booths during the function.
Another thing to consider is how much money you lose when facing an accident when it comes to the damage that occurred to your car or when it comes to time off of work. With that in mind you will want to go out of your way to seek out legal counsel so that you acquire the financial compensation that you are entitled to for your pain and suffering.
You need to be aware that you can file an automobile accident claim even if you were just a passenger in the car. Many people believe that they have to be driving in order to file an injury claim. However, that is completely untrue. You can easily file a claim if you were in any type of accident as long as you were not at fault.
You must be very careful when it comes to selecting a Solicitor to represent you when filing an automobile accident claim. There are three main things that you will want to look for in a Solicitor. You will want to ensure that they are a no win no fee Solicitor so that you can save money, you will want to ensure that they have experience, and finally you will want to ensure that they have expertise when it comes to the type of claim that you are filing.
Cost is by and far one of the most important things that you need to focus on. You will only want to consider those Solicitors that have no win no fee offers. This will ensure that you are not charged for their services upfront or in the event that they fail to acquire you the financial compensation that you are entitled to.
The good news is that in this day and age most Solicitors do in fact have no win no fee offers. Never deal with a Solicitor or legal firm of any type that is not a no win no fee Solicitor.
You must be certain that you hire a highly trained Solicitor that has experience and expertise when it comes to handling all types of automobile accident claims. That way you can be certain that they can handle your case and that they will do their best to ensure that they win your case for you no matter the circumstances.
Therefore, you need to truly research each Solicitor that you are considering working with.