Monday, January 5, 2009

Disability Coverage

Disability insurance policies are designed to pay part of your wages should you be injured in an accident or are unable to work because of illness.

Here are 2 types of policies available: long-term disability and short-term disability.

Short term disability pays a portion of your wages should you be out of work due to injury for up to one year. Some employers pay for this benefit for their employees, some offer it for employees to purchase.

If you have a pre-existing medical condition, the time to enroll is during the initial enrollment period when a medical exam is not required.

Replacement of wages is only partial; insurance underwriters, as well as your employer, want you back at work as soon as possible. Usually there is a waiting period of 14 days in which you will not receive payment.

Long term disability policies are purchased to replace what your potential earnings would be from the time you become disabled until age 65 when Medicare would be available.

For instance, if you are 55 and make $40,000 per year, you should purchase a policy for $400,000.

You cannot get a long term disability policy if:
(1) you are or are soon to be pregnant,
(2) make less than $18,000 per year,
(3) are unemployed, or
(4) you are required to carry a weapon for your job.

Typically, the waiting period for long-term insurance to kick is at least 60 days and as much as a year.

Disability insurance is an important aspect of your overall insurance coverage plan, and if your employer offers it as a benefit you should definitely consider it as a wise investment.

Thursday, December 4, 2008

Making Money with a Blog

If people ask you what is the easiest way to earn money? Mostly, online businesses are the easiest way to gain money.

Internet has made it possible for individuals to earn a living without the use of physical function. You only have to be skillful and knowledgeable about the different ways of dealing business online.

What you need to do is having your own website, but buying or creating one is extremely expensive. Even if you exert all you human efforts on researching, buying all the books but if you realize that you do not have millions; you will never be successful in this task.

You obviously need some money to finance your needs such as buying domain names, web space, advertising and other related expenses. However, there is another way to sell, it is by creating blogs.

Blogs are free and aside from that, there are many reasons way you can earn money easily by using blogs. This will be a sure success for you.

Remember that blogs do not require programming, web design and artistic skills, so it is easy to manage plus the set up is very easy.

You can go to the different websites that accepts blogs. Register for a new account and you can start posting your advertisements right after.

Blogging does not require many expenses. No associated cost needed with blogging. You can save up to piles of money by using blogs other than producing your websites.

A typical domain can cost you a lot of money while using blogs; you can create account without spending heaps of money. You can add blogs as many as you want.

Affiliate marketing is one among the easiest way to gain money without spending too much on making websites.

However, you need to pay the percentage of the merchandise that is sold through the site. It is better than building your own website. People use this type of business to describe their products through blogging and provide the links to their affiliate links to make commissions.

If you are always using the internet, you are aware of how difficult it is to get indexed on the different search engines online. Aside from that, getting a high rank on search engines is difficult as well.

In blogging, you do not need to wait for long time to be indexed by a particular search engine. One week time is enough for your blog to be seen over the different search engines.

Many online marketers generate income from Contectual Ads such as Google Adsense, once a person clicks contextual ads on your blog, you will be receiving revenues based on how many clicks your blogs have received. Imagine that easy? And there are still lots of income stream on the internet, such as Pay per Review, Pay Per Lead, Pay Per Sales, etc.

By blogging, you will have the chance to earn money the easiest way. You only need to be patience and determined to be able to gain success in the business.

Wednesday, August 13, 2008

Car Insurance Quote Tips

Getting Car Insurance Quotes

Do some research - Try to find some brokers who specialise in policies appropriate to your age, gender, make of car or occupation. One example might be the NFU [National Farmers Union] who do car insurance specially for farmers and give very competitive quotes. If you know someone who's got a similar car or occupation to yours, why not simply ask then who insures them? - Chat forums, owners club magazines and garages are all good sources of this kind of anecdotal information.

Be aware - those companies who can afford to do the highest profile advertising are probably not the cheapest!

Get on the phone - Once you've got some companies in mind, get on the phone - Car insurance brokers [3rd parties who are simply giving you a quote and not actually 'underwriting' your policy] often change who supplies their policies and just because they might have given you the best insurance quote in the past does NOT necessarily mean they're actually in a position to give you a competitive quote this time round.

Never take the first quote - The first quotes you'll get back for your car are likely to be on the high side - insurance companies capitalise on the fact that until you've received a few quotes you won't know what's actually a realistic quote - Never take the first quote you get, no matter how competitive it might seem!

Play companies off against each other! - Make thorough notes about all aspects of each quote that comes back and play the companies off against each other. There's no point in lying as most companies are all too aware of the REAL cost of a car insurance quote! Quickly you'll realise that the phone operatives have the ability to negotiate on the price of their quote and most of them would rather drop their prices than lose the business to a competitor...

If you're serious about getting the cheapest possible car insurance quote, be sure to:

  • Ask for a higher 'excess'. Higher excesses usually reduce premiums!
  • Mention any 'organisations' you are a member of - there might be a discount already arranged.
  • Get Thatcham approved security devices fitted to your car.
  • Consider how much mileage you're actually going to do - a 'limited mileage policy' is often the simplest way to get the best car insurance quote.
  • Mention if the car's going to be kept off the road or is garaged.
  • Mention if you have access to or drive a second car.
  • Say if you are the member of an owners club - 'enthusiasts' represent a lower risk to insurance companies.

Finally -

Buying insurance can be confusing. Be aware that lying will invalidate your policy and most companies record their calls to cover themselves in case of litigation. Declare ALL modifications you've made to your car and if someone else is going to be driving the car or you're going to use it for business - mention it up front!

Remember - insurance companies are going through hard times and are always going to look for ways of minimising how much they have to pay out in the event of a 'total loss' - If their inspector turns up to the breakers yard and discovers a flip-painted fire-breathing VR6 with 19 inch alloy wheels in place of the 1 litre they'd been insuring, you'll be in trouble, possibly seriously!

And if you need Free Car Insurance Quotes, please try:

(Articles Taken from :