Your flight to the Canary Island will be as smooth as an angel delight rather been as rough as a good whisk, which puts you in the perfect mood for enjoying summer holidays. Gran Canaria is the type of place where you want to do a 360§ with a camera then come home and have wall size print outs done so that you can have each room of your home a constant reminder of tropical and exotic scenery which blesses the island. Breath. That may be a...more
As a former health and life insurance agent I know insurance can be confusing. Quite frankly it is meant to be confusing. The less the consumer knows the easier it is to have them purchase whatever type of insurance is being presented. Insurance is, however, fairly easy to understand as long as you know a few key words. The first word you need to know is deductible. This is the amount played directly to the doctor or hospital before...more
Every life insurance policy is unique. When you take out a life insurance policy you take it out to fit your needs. Most people take out a life insurance policy to ensure their family members have enough money to bury them and take care of their financial burdens they incurred during life. Life insurance policies will pay out a death benefit depending on how much the life insurance policy is worth. Many life insurance policies have a cash value; meaning while you are still living you can borrow against the policy and actually get cash from the policy. Life insurance policies are divided into two groups, term insurance and permanent insurance. Term insurance is a life insurance policy that will pay out the benefit only if the insured person dies during the term of the policy, no benefits are paying if the person lives beyond the policy of the term. There is no cash value in these types of policies and they cost less than permanent insurance. Now permanent insurance is often called whole life insurance. This type of policy provides protection for the insured person as long as that person lives. This type of policy is more expensive. This type of policy also has a cash...more
It is important that every adult child who is at or above the age of 18 who takes classes at a technical school, college or university receives student health insurance. Some students maintain health insurance through their parent's family plan insurance policy. In this situation, an adult child is allowed to keep this plan until...more
Many business owners overlook the need for health insurance. They sometimes look at the cost of health insurance premiums and decide they would rather spend that money elsewhere in the business. What these business owners dont always consider is what would happen if they are not physically able to work and run the business. They overlook the...more
Whether you left your job voluntarily or got ejected out due to the economy, maintaining health insurance coverage for you and your family should be one of your top concerns. Even if you are flat broke, you cannot afford to go without health care coverage. All it will take is one nasty flu season or a serious accident to make a bad situation even worse. Choosing the best type of insurance for your family is just as important as deciding to keep it. Is it better to sign up for COBRA or should you go ahead and buy individual health insurance?COBRA requires employers to allow you to stay on their health coverage for up to 18 months after you have stopped working for them. For most families, this coverage acts as a safety net that covers them until they are able to sign up for different coverage. Individual health insurance, on the other hand, is private insurance that you purchase directly from the insurance company. As long as you keep paying the premiums, you will always be covered whether you are employed or not.It is hard to say if individual health insurance is better than COBRA, or vice versa, because each person's situation is unique and both types of insurance have benefits...more
While our country is still facing one of the worst recessions that Americans have faced in years, the rate of uninsured individuals continues to rise. According to the Congressional Budget Office, there were over forty five million...more
Don't you love the heat? Warm sun on your back, hot sand on your legs and feet. Yes, we all love the beach. There is something very healing and relaxing about the sun. Our muscles feel great having lain in the sun for a bit. There is a way to have...more
I have once have had a massage. Have you? If not, have you ever contemplated it? If you have not had a massage, here's something you should know. They are many benefits that come with it. Do you think massage is some new fad? Not true. Massage is by...more
Any American these days knows the stress of working in the office - its the dread of Monday. Sure, it's great to have a job in this economy, but who needs the aches and pains that go with it. While its no 2 week vacation in some tropical place, some...more
The comfort and security of knowing you can see a doctor whenever the flu strikes or when you've broken your leg on the ski slopes is a privilege that many take for granted. Whether you have to select health insurance through your job...more
Have you ever had a massage? Have you ever contemplated it? If you have had one, you'll know about all the benefits that come with it. If not, here's something you need to know. Massage is by no means anything new. It dates back to ancient...more