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61) Overweight and a smoker - WOW! Are you in trouble!
Author:
David Mayer
Category:
Insurance
According to the National Health and Nutrition Examination Survey (NHANES) 2001 to 2004, about two-thirds of adults in the U.S. are overweight and almost one-third are obese. If this were to continue, everyone in the U.S. could be overweight in forty years time. Some groups are already heading in that direction. For example, 80% of African-American women are overweight. Some 90% of Mexican-American men could be overweight in 25 years time. But there will probably be one or two people who resist...
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62) What to do when COBRA runs out?
Author:
David Mayer
Category:
Insurance
We're into murky waters with questions about losing or switching employment. No-one wants to think about times of uncertainty, but if the economy continues its current problems, you have to plan round the jobs you have and can get. The Health Insurance Portability and Accountability Act of 1996 (HIPAA), which took effect in April, 2003, was designed to give you some protection for health insurance coverage when you are switching between jobs.
To get HIPAA coverage, your most recent cover m...
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63) Out of work! Could it happen to you?
Author:
David Mayer
Category:
Insurance
Hey, I know you don't want doom and gloom but one of us has to ask the hard questions. So, with the housing market in free fall and price inflation taking off, jobs are less secure. Now is the time to spend a few minutes thinking about what you would do if the unthinkable happened to you.
The headline. If you've been wise with your money, you'll probably survive. It's a rerun of Aesop's fable called The Ant and the Grasshopper. The grasshopper spends all summer singing whilst the ant toils...
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64) Bad credit risk, bad driver?
Author:
David Mayer
Category:
Insurance
This is a good year for drivers in California. Way back when in 1988, Proposition 103 received more than enough support from voters to pass. Basically, voters wanted car insurers to set rates based on the driver's record and the number of miles driven. Three years ago, the Commissioner for Insurance introduced new rules prohibiting the use of ZIP codes as the primary factor for determining car insurance rates. These rules came into force July 14. This is one battle won for consumers' rights. Th...
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65) What's red and hot and throbs with promise?
Author:
David Mayer
Category:
Insurance
The boring answer to this age-old riddle is, of course, a red sports car with one of those mufflers that rattles windows at one hundred yards when you rev the engine. Now we've all heard those urban myths, the stories that people who drive red cars are more likely to get speeding tickets. As you all know, it's because red cars are actually faster than any other car on the road and, until you get used to that hair-trigger gas pedal, you're likely to be burning up the blacktop by accident.
Wel...
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66) Insurance versus assurance; what's the difference?
Author:
Paul McIndoe
Category:
Insurance
Anyone reading about insurance can be forgiven for thinking that the terms 'life insurance' and 'life assurance' are interchangeable, but are there any differences between the two terms and if not, why are there two different words for the same thing?
Put simply "insurance" is provided against an event that might happen whereas "assurance" applies to an event that will happen. So, insurance is a policy taken out against a risk, whereas assurance is one that is taken out against...
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67) Get Insurance Smart when Buying a 'Smart' Phone!
Author:
Adam Singleton
Category:
Insurance
Perform a cursory check on the internet and you'll find a proliferation of gadget websites that aim to marry excited 'girls and boys' to all the 'latest toys'. All the latest 'must-have' items are proudly displayed online where people 'virtually' queue to buy them. But the trouble with gadgets, especially if they are new to the market, is that they tend to be pretty expensive!
Handheld items in particular are highly portable and therefore more likely to be lost, broken or stolen....
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68) Why should you have a Contractor License Bond?
Author:
Kassia Macy
Category:
Insurance
Contractor License Bonds guarantee that the contractor will comply with all the licensing regulations set forth by the state in the bond form. This is the most popular type of surety bonds and it helps a contractor obtain their license with the state. It is important to know that the bond varies from state to state and different bond forms and requirements according to the state you live in.
The Contractor License Bond you choose will have to meet your company's surety requirements. However...
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69) San Francisco Performance Bonds
Author:
Kassia Macy
Category:
Insurance
Performance bonds guarantee the faithful performance of the contract and payment of materials and labor by the contractor to all subcontractors and suppliers of materials. Performance bonds are submitted by the winning bidder upon being awarded the contract.
Nowadays, the industry of performance bonds is relatively stable, although it has suffered some transformations at the beginning of the century. The current market is not expected to change, since most agencies are cautious and place on...
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70) Construction insurance quotes - solutions from genuine experts!
Author:
Kassia Macy
Category:
Insurance
If you are in the business or residential property building, then you might be interested in obtaining construction insurance quotes from a professional company. Luckily for you, there is no need to go very far as you have the Internet available. The World Wide Web offers access to specialized insurance companies and it won't take more than a couple of minutes to complete an online form to receive your construction insurance quotes.
Construction insurance is vital for anyone working in the b...
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71) What's an endorsement?
Author:
David Mayer
Category:
Insurance
When you start out on your quest to find an affordable homeowners insurance policy, remember that The Lord of the Rings ran to three volumes. You have not found what you're looking for when your online quotes come rolling in. Nor have you arrived at your destination when you read through the policies. The final part of the journey is always dealing with the endorsements.
An endorsement is cover added to your policy. You pay more but get extra protection.
Be warned. You're the only one wi...
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72) Deductibles explained
Author:
David Mayer
Category:
Insurance
Insurance is a contract between you and the insurance company. Like all contracts, it's give and take. That's what makes a good bargain. In this case, we're talking about an auto insurance policy. So, in return for the premium, you're asking the insurer to pay whatever costs arise from the traffic accidents you get into. It's like a bet. The insurer works out what the odds are given the car you drive and your track record -- it's called risk assessment -- and sets the premium accordingly.
Bu...
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73) Prepare and be carefree
Author:
Paul McIndoe
Category:
Insurance
There are few better feelings than escaping the worries and frustrations of modern living by going on holiday - if only for a few days - to some island paradise where the normal rules just don't apply. For many of us, true freedom to enjoy a well earned break can only be achieved when all loose ends back home have been tied up - preferably, prior to departure.
The departure lounge experience can be a return to fond memories of childhood excitement about an imminent holiday, as l...
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74) Sell the hummer, buy a hybrid?
Author:
David Mayer
Category:
Insurance
With the price of gas rising, more people driving hummers are finding visits to fill the tank an expensive business. It's tempting to think of trading in the guzzler and buying a hybrid. A Toyota Prius, for example, will give you not less than 45 miles per gallon -- drive it carefully and you'll do a lot better.
Better still some of the hybrids qualify for a federal tax incentive. The government may talk big about drilling for oil but encouraging people to buy fuel-efficient cars is a good f...
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75) Homeowners -- just what are you buying?
Author:
David Mayer
Category:
Insurance
The idea is so simple. You pay a premium and the insurance company protects you. Yeh, right! When you go out shopping, you read the labels before you buy, don't you. Well, the same should be your habit when you're buying a homeowners insurance policy. Never just use a site like this to get online quotes and then buy a policy because it's low cost or affordable. You should read it before you buy.
So what are you looking for? Well, let's get technical. The insurance company protects you agains...
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76) Professional Liability Insurance vs. General Liability Insurance
Author:
James Cochran
Category:
Insurance
Intrinsically, insurance is based on the principles of protecting a person or business from particular risks. This can include anything from natural disasters to theft to property damage.
Yet, when it comes to business, the kinds of risk can be far more significant, as well as far more costly. Not only are you responsible for what happens to your own property and employees, but you're also responsible to the people with whom your business comes in contact. General liability insurance cover...
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77) A few tips about permanent life insurance
Author:
David Mayer
Category:
Insurance
One way of looking at the choice between term and permanent life insurance is as a lease and a purchase. When you take out a term policy, you lease the right to death benefits during the term. When the contract ends, you have no further interest. But when you buy a permanent policy, it stays in force during your lifetime and accumulates a cash value from a tax-deferred savings component. So a permanent policy is term insurance plus an investment account and many buy this kind of policy because...
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78) Emergencies? What emergencies?
Author:
David Mayer
Category:
Insurance
Well, the good news is that you do have a health insurance plan. So many people today are finding it too difficult to keep their insurance in place. The bad news is that it may still be difficult to get treatment. Huh? Well, accidents and sickness don't always strike at the most convenient times. Because there's a shortage of physicians prepared to work in general practice, it's often difficult to get a same or next day appointment. Worse, getting access to your physician at night or over the w...
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79) The Insurance Claim Game
Author:
Mark Decherd
Category:
Insurance
If you've never had to file an insurance claim, consider yourself lucky - in more ways than one. While it's terrific that you haven't suffered a loss significant enough to file a claim, you're also lucky not to have had to suffer through the insurance claim game.How do you play the insurance claim game? Let's just say that there's more involved than tossing the dice, crossing Go and collecting $200. While the object of most games is to win, this game starts with a loss. It doesn't mat...
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80) Choose a Prudent Insurance Policy
Author:
Addi Vardhaman
Category:
Insurance
Other than Life Insurance Corporation, the public sector life insurer, there are more than 17 other private sector life insurers, and majority of them are joint ventures and mergers between Indian groups and global insurance giants. The only Life Insurer in Public Sector is Life Insurance Corporation in India. Some of the life insurance in the private sector are Tata AIG Life, HDFC Standard Life, Birla Sun life, SBI Life Insurance, Kotak Mahindra Old Mutual Life Insurance, Aviva Life Insuran...
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