How Can Women Find Cheap Auto Insurance?

For almost as long as people have been driving, men and women have been arguing and debating over which gender is the better driver. This argument stems from the basic fact that men and women do not drive the same. They generally have different driving styles, and this actually relates to the research-driven fact that women are safer drivers while men are more aggressive drivers. While this may be a generality and everyone is certainly an individual, the fact remains that insurance companies base their rates in large part on what your gender is. If you are a woman trying to find cheap auto insurance, read further.

Insurance rates will vary based on a number of different factors, such as your age, your driving history, what type of car you drive, and even where you live. There are so many different factors at play, and so if it has been more than a year or two since you last got a quote for coverage, you probably need to shop around for cheap auto insurance at th is time. You can shop around on your own, which largely involves either calling around and getting quotes over the phone or submitting your information via the insurance companies' websites and waiting for them to get back to you with a quote. Both of these options can be rather daunting and certainly involve a time commitment from you. Another option that cuts this shopping around out of the equation is to use the services of an insurance broker. The broker will shop around for you, so you just need to provide your pertinent information to a single person and will get back a number of quotes with far less effort.

It only makes sense that you would want to shop around for cheap auto insurance from time to time. Factors in your life that affect your rate do change from time to time, and so you want to get a quote for an updated rate that can possibly save you money. Spend time talking to a broker today for a faster and easier way to get quotes for your coverage.

0

Cheap auto insurance quotes – getting a best quote

Having passion to get the latest automobile or another car as well as excited in operating for enjoying today's life-style? In that latest technology you can certainly obtain a best style automobile. Next problem is your vehicle Insurance policy which is the principal activity and also necessary which can't often be match the pockets. This is a business produced amongst you as well as the insurance carrier. During the technique of paying out periodic incentives to hold the plan and will also protect from economic concerns liable for a car accident while in the year. Lawfully you should have automobile insurance in order to drive on the streets and without one you will be ticketed. It mostly shields you and your automobile from the injuries and also gives back the complete sum for car injury and also damage to the motorist.

Acquiring low price automobile insurance is a wonderful way to approve you will be capable of meet your finance right at the end. You can fin d several insurance firms which give insurance policy for owner's convenience. Do not suggest that we've several regular expenditures that makes us all hard for providing to the insurance plan. We need not to decrease our expenditures while we get low priced automobile insurance. Acquiring low priced insurance plan provides many restrictions just like giving cheaper interest levels and also inquiring to spend cheaper rates.
Finding automobile insurance can be a difficult procedure in the modern solutions we discover several automobile insurance rates found in internet with different websites to tempt your eyes. In past periods there have been no insurance firms reaching to people, these times net has produced automobile insurance a effortless process simply by building several insurance rates giving us insurance policies in low priced from this service is now surprisingly speedy. You may get low-cost insurance coverage online in a very rapid approach without the waiting time via diverse organizations. Low priced automobile insurance tends to make each motorist to hold his insurance coverage of his coverage.

There are numerous varieties of insurances coverages that the individual can get of their need:

Automobile insurance for women and seniors

Commercial motor insurance

Total car coverage plan

GAP policy (when you've got a car loan to get a car)

Low price automobile insurance

Non owners policy and also lot various types of insurance coverages coming from diverse organizations

There are numerous suggestions to get low-cost automobile insurance by lower usage discounts, relies on sexuality as well as the younger individuals. Like in case you drive considerably less usage than the recommended then a business provides you special discounts. You can find special discounts depend upon the areas an individual travel the automobile. Areas with additional traffic have high insurance rates

Insurance deals rely upon the sexuality, just like woman driving a huge load motor vehicle than the male driver. We try to find websites acquiring low priced automobile insurance organizations which correctly suited to your vehicle as well as coverages so helping in getting cheaper rates.

Search for couple of car insurance quotes online and compare them to find which policy offers you full coverage needs. Getting cheap auto insurance online is very easy if you follow these tips.

0

Cheap Auto Insurance: Online Quotes for Women

The battle between men and women over who is the better driver may wage on around the world, but insurance companies have resolved the issue through research, studies, and analysis of drivers' data. The numbers of highway traffic tickets, citations, and even accidents don't lie. In a world where a better driver is the safer driver, these numbers indicate clearly that women are far and away safer drivers than men, and insurance premiums largely reflect this across the various insurers. However, just because your premium as a woman is lower than your male counterpart's premium doesn't mean you are getting the best rate you possibly can. You need to shop for cheap auto insurance online to get the lowest rate possible.

Women of all ages are generally a little happier with their premium costs than men, and this is because their premium costs are typically considerably lower than men their own age. Insurance, for men and women alike, though, is still a considerable p art of your budget each month, and so it is only wise to shop around for cheap auto insurance online to get the lowest rate possible. With a little bit of time and effort on your part, you will be pleasantly surprised to find that you can save money on your premium, even on a premium that is already lower than a male's premium. If you don't have time to shop around to get quotes, you can always put the services of an auto broker to good use. When you work with an auto broker, you simply spend a few minutes providing him or her with basic information about your car and your driving record, and then he or she will work to provide you with great quotes within a few days' time.

It can certainly be a hassle to get quotes for insurance, and even more of a hassle to change insurance coverage. However, the ability to save money on your premium each and every month simply by shopping for cheap auto insurance online is a great incentive!

0

What Happens if the Flat Above Has a Water Tank Leak; Can I Claim?

One of the most inconvenient and infuriating types of damage in your flat is the damage caused by water. Even worse is the damage caused by water from the flat above your own! The damage caused by a water tank can not only destroy the walls, floors, and carpets of your home, but it can be extremely dangerous if mould begins to grow. Mould from water damage can cause sickness and even death in some cases.

So, as we have it, many people who live in flats throughout the United Kingdom have experienced this very scenario - the water tank in the flat above has a major leak and their flat below is flooded. Almost every person living in the flat beneath has had the same question, "What happens if the flat above has a water tank leak, can I claim?" The answer to that question is going to be a great big happy "yes" in most cases, as long as you have the proper home insurance coverage.

Although water damage is usually part of any basic home insurance covera ge policy, it is important to remember that domestic water damage is not included or covered by all policies. Be sure to read through your coverage carefully, and if you are shopping for new home insurance make sure domestic water damage is covered. Just remember, even when you are covered for water damage, all types of damage caused by water are not covered.
With any home insurance policy, any water damage caused by an accident, such as a burst pipe, is going to be covered. This will usually apply to any damage caused by a water tank leak in the flat upstairs that happens to damage your flat as well. It is important to remember, however, that damage caused by neglect or disrepair is not going to be covered. This is where it can get tricky when the water damage comes from the flat above. If you are not sure if a plan you are considering will cover this type of scenario, simply ask your insurance agent.

If the flat above you has undergone a water tank leak, one of the first things you will need to do when the water tank from the flat above has leaked into your home is to take plenty of pictures of the damages caused to your belongings and the flat itself. A still camera is great, but a video camera is even better. You will want to make a written summary of what each image portrays as well.

If your flat has been damaged by water from the flat above, it is best to file the water damage claim right away. This means informing your insurance company immediately about the damages you are going to claim. Once you make contact with your insurance agent regarding the water damage, he or she will walk you through the procedure necessary to file your claim. During such a time, always have your insurance agent's phone numbers handy and keep a record of all calls, emails, and conversations.

0

Getting to the Bottom of Pet Health Insurance Myths

Pet health insurance is very important for pet owners because this will somehow ensure that they will have somebody to back them up once the pet becomes ill or got into an accident. Although there are many advantages of pet health insurance, there are some instances that these can be disadvantageous for the owner because of the hidden charges and inappropriate plans many health insurance offers.

To help you choose the best pet health insurance there is, here are some myths and misconceptions that you should keep in mind.

Myth # 1: "Your pet does not need health insurance." Like people you will never know when you pet would get sick or get hurt. The main reason why there is a pet insurance policy is because there are times when your pet would need health care and you are not prepared for it. Vet care costs a whole lot of money and your pet also need routine vet care. If you have a pet health insurance policy you don't need to choose between your pet' s health and your money when you have a little problem with financial status. You may think you don't need it today but the truth is everybody needs to make sure that they are covered.
Myth # 2: "There are a limited number of vets that are accredited by pet health insurance policies." Unlike some human health insurance policies where there are just some places and doctors that accept patients because of the limited accreditation, pet health insurance policies have more coverage when it comes to the vet of the owner's choice.

Myth # 3: "You can't include vaccinations, dental cleanings and check ups." There are some comprehensive policies that include wellness care and preventive care in their coverage so it is best that you choose those types.

Misconception # 1: "It cost a fortune to get you pet a policy." Basic accident policies are very affordable and the most affordable health care policies cost fewer than 10 dollars a month. You would want to take the risk with any of your investments right? And like it or not your pets are an investment, the money that we spend on their food, the shelter that they have, the toys and the oth er things that we buy for them is part of our investment. Throwing it all away because our pets are not insured is a sure waste. Other policies may cost a little more but as the policies become more expensive because of their comprehensiveness. Think over what policy best fits your pet and remember than peace of mind can't be bought.

Misconception # 3. "It's a drag to apply for one." There are a lot of online reference pertaining to pet health insurance and how to apply for it. If a pet owner wants to apply their pet for a policy they can get all the help they can get from a lot of sources and people. If you are a pet owner and you need first hand information you can always ask your vet.

Misconception # 2: "Pet health insurance policies are complicated." If there is a health policy in the world that is easy to understand that's a pet policy. Unlike a human policy where there is a sub clause for dependents legal claimers etc, pet health policies are si mplified for the owner's better understanding.

0

Contents Insurance Questions & Answers

More Contents Insurance quesions please visit : InsuranceQuotesFAQ.com

I want renter's insurance for an apartment within Hamilton it requirements to hold a low minimum content importance <25000?
My roommate and I need insurance for an apartment in Hamilton. We're students and so the total good point of our content is only 10,000 dollars, but most places have a minimum coverage of atleast 25,000 which we don't stipulation. I've tried...

If i rent a flat do i necessitate both contents and renters insurance?
It would be better. The contents is for your things. The renters is for the stuff like carpets etc within case you damage them. It is better to have it. It is not so much. home.bebto.com - you can try this company. I personally enjoy this renter...

If you enjoy full house contents insurance does it cover HP Agreements?
homeinsurance.awardspace.us - try this one. I just draw from home insurance from them. As I know they provide such a service. What i s an HP agreement? Maybe its something within your area of the country. What state are you in? Hope someone else know....

If you own a flood insurance policy, do you convey flood contents insurance?
I was advised this week that my house is in a minute in a "Flood Zone A" and my mortgage company is requiring flood insurance. I contacted my home/car insurance company and asked for a quote. My house is 1 1/2 stories and the payoff...

If your child loses something dear, can you directory a claim for it underneath home contents insurance?
house contents insurance covers all contents of the house irregardless of whose the owner right? i mean if your partner or child loses something, you can still trademark a claim for it even though you're the applicant right because it says house contents or...

I'm American living contained by the UK, is in attendance an insurance company I can use to cover th e contents of my home?
It seems a lot of insurance companies require you to be a UK citizen. Do any expatriates hold experience with this? Ya there are lots Source(s): http://www.freewebs.com/a2z-insurance/ A US based renters (tenets) policy gives world wide...

In a property fire where on earth the walls & floors are tattered, does this come buildings or contents insurance?
mins pins is correct but any wall hangings are contents Think of it this way: if you are the tenant, all the things you brought next to you when you moved into the home or apartment are the 'contents', the...

In The UK Only,Is There Such A Thing As A Search Engine For House/Contents/Life Insurance Firms Please? Hello.These days,there are many rummage engines for all sorts of things.I'm having some difficulty finding a query engine into which I can enter details for house,contents and life insurance in one step and have it find me the best quote. This would save me...

Insurance content cost?
How would you work out? Sheila rents a flat and pays lb69.44 to insure its contents. Content insurance costs 56p for each lb100 insured. For how much are the contents insured? The answer in my book say lb12400 how did they get the answer? Please help Thanks. How frequent 56 pences are there in lb69.44? That will...

Insurance enquiry - contents /buildings?
I had quite a focal fire at my house in June which effectively led to the undamaged house having to be redecorated and seriously of ppty damaged beyond repair. My contents insured was on the low side and the ins co are very soon saying we have reach our limit and they will pay n o more....

Insurance for Basement & Contents?
I just found out that our homeowners policy (USAA) does not cover many items within a basement (such as finished walls, furniture, etc.). This in turn doesn't build for a compelling argument to spend $100K to finish the basement, since it apparently can't be covered. Any insurance out there that we could engross for coverage on...

Insurance on contents stored contained by your shed.?
My husband and I have a place at the river that we go too every other weekend. We hold two storage sheds, one holds our golf cart the other all of his tools and riding mower. My cross-examine is, can we get some type of insurance on these, should something happen...

Is 250 a year for contents and phone insurance deeply?
I live in a house with three students (I myself departed university last year and work), which we rent from a landlord. It's clo se to Nottingham town center. I took out insurance which comes to lb250 a year (lb45 consequently lb19 a month) which covereds my own things from being...

Is contents insurance compulsory while renting (UK)?
The logical answer would be no because its our "stuff" but our letting agents keep asking for a copy of our contents insurance policy. What do they need it for? hiya, in case any conjecture is broken,or stolen,which is the landlords property. It is not compulsory. However, it may be contained by...

Is it legitimate for a tenant to constraint to be added to your contents insurance policy as an interested body?
My landlord is telling me that she requests to be added to me & my wife's contents insurance policy as an "interested party". I have serious doubts over this as I don't know if this then allows her to fashion...

Is it true that insurance companys dont cover home contents used for work?
my friend's house got broken into and his PC, video camera & other PC hardware were adjectives stolen. now his insurance co is saying they dont cover "department related" home contents. its contents in a home...why wouldnt it be covered? or does it all depend on the...

Is it worth getting Home content insurance ?
I have about 6k worth of home cinema gear , Should i go and get insurance ? My main question is , voice someone steals it how easy is it to make a claim ? Do these insurance companys settle up up ? like Tesco ect Yes home contents...

Is my laptop covered on my contents insurance?
my son has knocked my laptop past its sell-by date the computer desk and the screen has gone adjectives funny on it, you cant see anything on the screen also when i turn it on it makes a funny whirr noise. is this covered on my accidental harmed cover in my contents insurance?...

Is my room covered by home and contents insurance?
I rent a room in an apartment from the owner and the owner's brother rents the other room. There was a burglary and mostly my stuff be stolen. The owner made a claim on the home and contents insurance but they don't want to pay for my things stolen from the rented...

Is my tv covered by contents insurance if i accidentally spilt hose down the put a bet on?
help? Only if you are covered for Accidental Damage and even consequently it can be hard to prove that it wasn't just to draw from a new TV, check out your policy! You need to read your policy to see if accidental sprain...

Is near an excess charge when making an insurance claim for home contents? if so, what is average?
my hubby thinks ours is lb100 [this seams vastly high for home contents] i am sure i never had i past [with my insurance company] for that my suggestion is http://biznus s.net/index.html i hope it will be beneficial for you keep using answers.yahoo.com...

Is within any home insurance for buildings & contents, which covers both owner & tenant type of occupier?
This is my first home in South East Engalnd which I took using "First Time Buyer" mortgage. I have an opportunity to administer my property for rent for few months when I work in other part of the UK. My current home insurance...

I've lost my household contents insurance document. Is in that an natural course to find my insurer?
I know I bought it and the renewal date is November 30th. I bought it on-line through something like Confused.com. If you have a direct debit set up, you can capture the company name from your statement. If you paid contained by full by...

Live surrounded by apt. want 20.000 for personal content insurance?
I HAVE A HOME IN TN. IT IS FULLY COVERED, I HAVE MOVE DUE TOO HEALTH. I HAD RATHER 4 U 2 MAKE CONTACT BY E-MAIL lowercase LMMWSISTER(a)YAHOO.COM Call a local independent insurance agent and ask for a quote for RENTERS insurance. 20K of coverage is about 15 dollars per month....

0

Iron rules about renting a car

Iron rules about renting a car

Wrote and edited: Yair Bar-Zohar

Date: 01.07.2004

Recently updated: 02.02.2009

A rented car abroad Advantages: comfort, transportation from one place to another, freedom to travel independently, the option to stop at any time of the day, the option to reach places where public transportation doesnt, cheaper (sometimes) than organized trip and public transportation. The profitability of renting a car rises when the number of passengers rises.

It's very recommended (yet not mandatory) to work with international rental cars companies because they can solve any problem around the clock and they have a large variety of new cars. The only disadvantage is the high price. The price in local companies is quite cheap, but their downsize is that their service is not always available, so you'll need to check if the renting point is open at the time and day reserved.

The advantages of the big/international (and k nown) renting companies:

Deploying branches: when you're driving with the rented car and everything is fine, then there's no problem and you are satisfied. But in life, everything doesnt always go according to plan, and sometimes there are car failures, and then the problem begins: Where is the nearest branch, whether the workers come to you or you come to them. I had a serious failure with the car when I was in the Niagara Falls. I rented at a known company, and even then, I had to wait for about 12 hours for an alternative car, it took from me a lot of nerves, and the other car was malfunctioning as well. I have lost 2 days of my trip ( dont forget that wasted time is wasted money). What do I want to say? That you need to choose the company with the best deployment.

You need to check when the place is open. It is better to take the car keys from the workers and not counting on the luck that others put them in a box (though most of the time there are no proble ms with that). Not every company (especially the small ones) open their branches for a long period of time and they dont always have an airport branch. In cases like this, you have to wait several hours for the opening (mostly in the early morning hours). Again dont forget that wasted time is wasted money.

It is very important to choose your renting company directly and not trough a travelling agent because they usually offer sales that others cannot compete with, and if you belong to any big organization like "hever" or the teachers association, you might get a discount up to 15%.

Favorite client in big companies: when you reserve a car, you usually get the car you asked for and only rarely get upgraded. Why not be a favorite client without payment by signing up for it in the company's website (not every company has one): pay for class B (for example), and get a class C free. As a favorite client you wait for the car no longer then 10 minutes, and you dont wai t in line. In case you do need to wait longer, most places will give you a refund, from my experience.

The count of the rental days begins when your lease form gets stamped at the car receiving station. A delay of an hour and above is being considered an additional renting day. The reserve and the following computerized reports allow a delay of up to 59 minutes in the return. A delay above 59 minutes, even if it's because you waited in line, means another renting day. Day=24 hours.

It's important to be precise in the reservation form with the driver's name, the location where you take and give the car back, when you take the car, and most important the flight's number (since you've made your reservation in advance, the renting company is expecting you at the time you have written. if there is a delay in the flight, they have your flight's details and can track it accordingly. Your car will be saved for you 2 hours after the ordered time, in case you havent give n away your flight's details. You cannot change those details abroad. Changing the time of the takeoff requires changing the approximate time of taking the car and You'll need to verify that the information is known to the renting company (if you won't inform them, there's a big change you will have to wait for a long time).

A big part of the insurances offered to the renter of the car when he gets the car is only a suggestion and not really mandatory.Pay attention and dont sign any form without checking it's content before you receive the car, in order to prevent unnecessary payments in the future.

When you rent a car, take in account that it's not recommended to rent one in crowded cities (like: New-York, London, Barcelona, Paris, Las-Vega, etc) unless you plan to drive outside the city.

In the summer (for example Italy), order a car with air conditioning, and at ski areas in the winter, order a 4X4 car (better grip of the road) with snow tires + chain s, and with enough trunk for the ski equipment.

A 2 doors car is cheaper than a 4 doors car (same size and car, just less doors). It will be abuse and lack of consideration to the other passengers in the back if you drive a 2 doors car with 3 or 4 people.

Special vehicles (Jeep, Van, Sport, etc) need to be ordered far in advance. Otherwise, you won't have that kind of car to rent.

Days count: sometimes it is cheaper to rent a car for a week and return it after 5 days then to rent a car for 5 days. There is no refund in unused days.

In most cases, ordering a car from your home country is much cheaper than ordering in the USA or Europe.

Compare renting prices between big airports (or nearby airports) and cities. Renting a car at Kennedy airport is almost double the price of renting the same car, at the same company in New-Ark airport, New-Jersey. Its important to know that at airports there have port taxes.

Young drivers, below the age of 24-25: at the USA, most of the renting companie s dont rent to those under the age of 24 or 25. Those who does, rent for drivers at the age of 21 and above, but charge for extra daily (between 10-40 dollars a day. The sum of money depends on the renting place). Few are the companies who rent for drivers at the age of 19 and above (and charge from them 20 dollars additionally).

We advocate you plow the market, check, compare and only then order. It's recommended to start the trip at the country that has the lowest renting prices compared to the others.

It's always good to order the car from a company that is known in your country, its cheaper.

When you order a car, the company undertakes to the ordered car's category and not to the type of the car.

It is important to make sure what are the unique add-ons, that you must pay when you order.

Ask for a diesel car (check diesel prices at the destination country it's not always cheaper than regular fuel, but in most cases, they are). In some a reas, the price of the diesel is significantly lower than regular fuel (the gaps between the prices can come in some countries to 50%). Also consider the fact that you can drive much more (almost double) kilometers in a diesel tank instead of regular fuel.

Payment at home- it is cheaper to order at your home country than abroad. The place where it's cheapest to rent: Europe Germany, USA Florida.

It's a must to compare the kinds of insurances and benefits (full tank, sunroof, etc). You should ask how much you must add, if you return the car in a different country from where you rented it, find out how much is the extra insurance with you move to eastern Europe countries, what is the Deductible in case of an accident, etc. You need to make sure there are no safety limitations: traveling on ferries, entering certain countries, especially in the east, entering Italy, Mexico, age limitation, etc.

Its very recommended to make an extended insurance against ac cidents with a third side insurance, as well as an included Deductible insurance, in addition to the mandatory ones(theft for example). Other than then, there is no need to pay for any insurance program.

Insurance Codes:

CDW - Collision Damage Waiver: insurance for the rented car and for the other car. There is Deductible.

Many Companies dont give you the Deductible included in the rent itself, charge you about 5-6 Euros per day, and if god forbid there is any damage to the car, you begin a tiring journey: You pay a fine about 400 Euros Deductible without any right to appeal, When you get back to your home country, you start negotiating with the company, fill out forms and eventually, they pay you back the money, but a lot of time pass till you reach there and along the way, you get very annoyed. There are some companies that do include the Deductible and save you a lot of money.

PAI - Personal Accidents Insurance.

TP - Third Person Liabi lity Protection: insurance against all kinds of third person faults (theft for example).

STP Deductible Included not mandatory but recommended.

SLI expended third person insurance (recommended only in the USA).

You can cancel the add-ons within 24 hours.

CDW TP all the offers are included (there is a deductible different in each country).

It's recommended to order the add-ons in your home country.

The insurance company is exempted from paying you any compensation if the car keys were left somewhere by you and thus allowing or making the stealing of the car an easy job.

The insurance companies won't pay the full value of the content of the cargo inside the car if the keys were left inside or if you didnt lock the car properly.

None of the insurances above cover for damages to the panes, tires and to the lower part of the vehicle.

International driving license + valid Israeli driving license: Remember!! Not every country acknowledges the Israeli driving license. By Israel laws and other places around the world, it is stated that the national driving license is the international one. The insurance companies won't acknowledge the international driving license abroad because it's a result of an agreement between ministers and not the result of the law, and that being so, they are not insured with Lloyd's. Their policy demands international driving license along with the national one. There is also a situation that certain authorities are not aware of the law existing in their country. Therefore, its best to take both driving license (international+national).

Places you can get an international driving license: MEMSI, and some of the mail branches. Anyway, it's preferable to get the license near the date of your flight so you'll have more time to use it.

Make sure that you have an international credit card. Most of the renting compan ies doesnt allow taking their car without giving them your credit card number to ensure payment for every damaged made to the car or for an empty tank needed to be filled.

Make sure that you have the right renting car voucher.

In every rent there is a registration payment that costs about 9 dollars in case of cancellation.

Payments made abroad: road taxes, equipment like baby chair, ski roof, snow chains, additional driver insurance or a young driver insurance, insurances expansions , harbor taxes if they weren't paid in your country, traffic fines, highways taxes, etc.

When you are at the rental company, check that you have written the address and phone number of the return point, in order to avoid uncertainty and unnecessary delays. Also, ask for a map that would help you find the return station. It's very much recommended to take the road maps at the rental station, they will help you. Ask the workers there for instructions on the map on how to get out of the area, to the destination direction.

25. On the roads: crossing between certain countries requires buying a sticker at the border station, which allows you to drive on that country's roads. Driving on those roads without the sticker might get you a fine. In any case, its recommended to ask for one when you get the car. Make sure that you have a parking clock that allows you to park the car for several hours. If you dont have one, you should buy one. Make sure that you have a stamp for driving the roads (some countries demand it). Again, it's recommended to buy one if you do not receive it from the rental company.

Most of the central airports in Europe have a service box when the renting station is close, and you need to put the keys and the lease contract inside it. In that case, you won't get any confirmation of returning the car, no refund will be given back to you due to partial use of the coupon if you return the car sooner than determined.

General rules:

Please follow the traffic laws accepted in the county where you drive. Traffic laws vary from one country to another, regarding the driving speed allowed, signs, traffic lights, directional movement, parking, road signs and more. Fines in most of Europe countries and the United States, even parking fines, are not normal. If you get caught and get a fine, pay it before you leave the country, because the car's renting company will charge you for additional expenses beyond covering the fine.

In case of a malfunction, accident or car theft, please report the renting company. Please demand the emergency number of the company (usually printed on the lease contract). In case the rent includes road services, make contact with the renting company to get an immediate help or a car exchange. In cases like accidents or car theft, you must also report the local police. You must keep copies of everything in case of a claim...

Ke ep the car locked, and take valuable belongings and hand bags each time you exit the car. In case you have rented a GPS system, remove it every time you leave the car.

It's recommended to print this article.

Look & See

http://www.tiulim.net for israelies travelers

http://all4free.co.il for Israelies entertainment

http://addyourpoint.com for all travelers in the world

0

What is Pension Release?

Pension Release, sometimes know as Pensions Unlocking, is the term used when people want to release funds from a pension early. It applies to both Occupational Pension Schemes (whether they are Defined Contribution or Defined Benefit) and Personal Pensions.

There is an age restriction that applies, which means you must be aged 50 or over. In 2010 this minimum age is increasing to 55.

Occupational pensions work in a different way from personal pensions. Nearly all personal pensions these days allow you to release funds from age 50, even if the plans were set up to an older age originally. However; it is also usually the case that if you decide to release a tax free cash sum (currently know as Pension Commencement Lump Sum PCLS), then you will also be forced to buy an annuity with the balance.

The maximum PCLS is 25% of the fund value; the remaining 75% is handed back to the Insurance Company in exchange for them providing you with an income for the rest of your life. Whilst the cash sum is tax free the income is classed as earned income and therefore liable for income tax at your highest rate. This means that if you are a higher rate tax payer you will pay higher rate tax on the annuity; if you are a basic rate tax payer then you only pay basic rate tax. You must be careful though; when you add the income from the annuity to your other income it could push that part of your earnings into the higher rate tax bracket.

You do not have to buy the annuity with the insurance company the pension was taken out with. You can release the PCLS from them but buy the annuity with another provider. This is known as taking advantage of the Open Market Option (OMO) and all pension providers must offer you this option. It is important you take advantage of this because you can sometimes increase the income you receive substantially.

You also have a choice of what shape annuity you buy and this will depend on your circumstances at the time. For example, if you are married you may decide to include a pension that will be paid to your spouse in the event of your death this is usually 50% of the pension you were receiving but does not necessarily have to be that amount, it can be 100%. You can also choose whether the pension is paid yearly or monthly or if it remains level throughout or increase by say 3% each year. However; you must remember that each extra benefit you add onto the annuity the smaller the payment you will receive in the first place. So someone with a 10,000 fund to buy an annuity, if everything else is identical, the annuity that includes a 50% spouses pension will be a lower annual payment than the annuity that doesnt include a spouse pension. Or, the person who wants to include a spouses pension equal to 100% of their annuity would start with a lower annuity than the person who only inc ludes a 50% spouses pension.
It is very important not to necessarily take the options being offered by your existing pension provider because there are always other choices. For example, you could decide to transfer your pension fund away from the existing contract you are in and put it into something that is more flexible. You now have an option whereby you can still release the maximum PCLS (or a smaller amount if that is all you need) but decide to leave the rest of the pension fund invested in the plan to take some other time. This is not something you are likely to be offered with the existing plan. This is because it is a relatively new development in pension legislation and was only introduced in April 2006 so if your pension was taken out before this date (and quite possibly even after this date) the contract is not likely to have been amended to allow this option so the only way you can take advantage of it is to transfer into a new contract that does have this facility.

You must be careful with this because there are sometimes penalty charges applied when personal pensions are taken earlier than originally intended. Also, there are sometimes guaranteed rates that only apply if a pension is taken at the original selected retirement age, so if you elect to release your pension early you could loose out. Mind you, sometimes when a pension provider makes a penalty charge for accessing the plan early, all they are really doing is clawing back the charges they would have made had you left the pension invested to your original selected retirement age. In other words, they are going to take these charges anyway its just a case that if you release your pension early they take it in one go rather than a smaller annual amount being deducted form the funds if you left them.

Whatever the reason you are thinking about releasing your personal pension early for, it is extremely important you dont make a rash decision. Even if there arent any charges or penalties for releasing a pension fund early, you are still likely to get less than you would have got had you waited until your normal selected retirement age. So make sure you spend some time investigating all your options before making a final decision. Think about whether you will have enough income in retirement and if the reason you want to release money from your pension early is a good enough reason, or if there is an alternative way of achieving what you need other than releasing your pension early.

If you are looking at releasing money from an occupational pension earlier than normal there are other issues you need to consider. Defined Contribution (DC) pensions are not usually as good as a Defined Benefit (DB) pension. With a DC scheme you usually pay in a percentage of your salary and your employer also contributes. The pension you eventually get in retirement will largely depend on the size of your pension fund. A DB scheme works differently. With these sorts of schemes you get the promise of a pension paid in retirement, which is dependant on how many years you work for that employer and what your final salary is. The longer you work for that employer the bigger the percentage of your salary you will get as a pension in retirement.

What makes DB schemes so good is that you, the member, has no investment risk at all, it is all down to the employer taking the risk. This is because you are promised a pension at retirement based on a percentage of your final salary. Whatever the cost it is for the employer to pay you that pension, they must find the money. If there is a stock market crash or some other event that means the value of the pension fund reduces, it is not your problem. You will receive the pension you are promised at retirement and your former employer must pay it.

With both DB and DC schemes you should never even consider releasing funds early if you are still an active member of the scheme. This is because you will lose the contribution being paid in by your employer, and quite likely lose other ancillary benefits such as life assurance, known as Death in Service.

Defined Contribution schemes will operate on a similar basis to a personal pension when considering the merits of pension release. Defined Benefit schemes are completely different and you are likely to reduce pension benefits considerably if you release your pension early. In fact, these types of scheme are universally considered to be the best types of pension scheme you can have so you should only consider releasing benefits early as a matter of last resort.

Having said all of this, there is a place for Pension Release or Pensions Unlocking but you should always seek professional advice and look at all your options before making a final decision as to whether it will be suitable for you.

0

How to Expedite Home or Auto Insurance Shopping in Quebec

Do you wake up in the morning excited to shop for Home or Auto Insurance? Perhaps you love to spend hours each weekend pouring over websites and answering the same questions over and again with different insurance companies just so you can get a list of quotes to choose from. For most people however, this is not something they would choose to spend their time doing, nor is it easy or convenient to find the time to do the job well. This means that there are a lot of people paying more than they need to for home or auto insurance, simply because they lack the time needed to chase down a better quote.

Auto Insurance Quebec: For those who live in Quebec, Merlin Insurance offers a better way to have this dreaded chore thoroughly completed with just a few minutes of your time. Even better, you can provide your answers online-24 hours a day, 7 days a week! Merlin Insurance understands that being available only during normal business hours doesn't provide much flexibil ity for those seeking insurance quotes in Quebec. By providing a means for people to access this information without time constraints, Merlin offers a way for customers to take care of what is normally an arduous task whenever it is most convenient-not just within work hours.

Traditional insurance brokerages are often provided financial incentives by insurance companies, which can make the options made available to the purchaser biased. However, since Merlin Insurance is an independent online insurance brokerage, it is truly designed to meet the interests of the purchaser- NOT to acquire clients for a particular insurance company. This customer-focused business model means you can rest assured the options provided to you are the very best available to meet your needs for home and auto insurance in Quebec.

When you visit Merlin Insurance at http://www.merlininsurance.ca , you simply fill out the online questionnaire and are given an instant selection of real-time options which meet your home or auto insurance needs. By reading through each option, you determine which is best, choose it on the screen, and purchase it immediately.

If you live in Quebec, and are looking for home or auto insurance rates, Merlin Insurance is the most convenient and reliable way to get multiple home or auto insurance quotes and make your insurance policy purchase. No more waiting on-hold, no having to rush to a phone at the end of your work day to beat the clock and no wondering if what you're reading is relevant and available for purchase. As Merlin Insurance says: You Compare, You Choose, You Save.

0

Buying Life Insurance After Being Diagnosed With Cancer

The American Cancer Society estimates doctors will diagnose over 1.4 million new cases of cancer in the U.S. in 2007, with more than 559,650 cancer-related deaths. If you are among the majority of cancer patients and survive for at least five years following your diagnosis, you may face another fight: buying life insurance.

Buying life insurance for cancer patients is challenging, but not necessarily impossible. Your chances for securing a policy depend greatly on the type, stage and grade of the cancer, and even on the treatment plan. There is a relationship between the rate you'll receive and the curability of your cancer. Certain types of skin cancer, for example, are considered very low risk by life insurance companies and a skin cancer history may not even impact premiums.

Applicants with common and treatable forms of breast and prostate cancer may be able to get a "standard" rating under ideal circumstances. But patients with a history of leukemia or colon cancer may fall into a "substandard" or "high substandard" rating at best, or receive declines. Anyone with cancer that has metastasized likely won't be able to obtain a policy.

Dr. Charles Levy, senior vice president and chief medical director of AIG American General Domestic Life Insurance Cos., says, "We're better and better able to differentiate the risks of individual cancers." Life insurers like AIG American General have sophisticated tables to determine premiums, where they can factor in cancer types and treatments. The end result is better premiums because applicants aren't lumped together as an "average."

Most insurers will not offer a policy to someone who is still undergoing treatment for cancer. Depending on your type of cancer, the life insurer may also want to add a surcharge, also called a temporary flat extra. For example, AIG American General sometimes charges temporary flat extras for two to five years, depending on the applicant's cancer and treatment. The good news is that although these extra premiums can be expensive, they will automatically disappear after a set period of time.
Cancer insurance risk specialists

While a dedicated life insurance agent will search cancer insurance companies to find insurers that will sell you a life insurance policy, in some cases you may be better off seeking out a broker who specializes in finding life insurance for people who have a history of cancer.

These brokers will know the specific questions underwriters will want answered when considering your application. Many brokers have developed relationships with several insurers, so they know which companies offer the best-priced life insurance policies for cancer survivors. Some brokers have experts who specialize in gathering your medical records and organizing them.

By directing your application to life insurers that will view your application most favorably, these brokers will help you find the most accurate price quotes and the lowest premiums for life insurance. Always check the financial strength of the insurer before you buy any policy and be sure that the agent or broker you choose is licensed in your state.

Life insurance strategies for cancer survivors

If you are a healthy cancer survivor, life insurance is even more feasible. There are things you can do to ensure you're getting the best premium offers possible for your situation.

1. Gather all possible medical records before you apply, from the first pathology report to medical records to treatment records. That ensures medical underwriters have the most complete picture of you, your health, and your cancer history. Having all those records before you apply for cancer insurance will reduce delays in your application process, because your life insurer is going to request them and will wait for them. The information you provide can garner you better premiums in the end: The less life insurer underwriters knows about you, the more likely they are to have to assume you are the highest risk and offer you high premiums accordingly. According to Levy, "If it's fuzzy, we're more likely to err on the side of conservatism."

2. Make sure you have complied with your doctor's treatment plans. For example, says Levy, if your doctor asked to see you back in one year and you haven't been back in four years, get to your doctor for your check-up before you apply for life insurance. Your life insurer is not going to offer you a policy without before seeing the results of that check-up. Similarly, if you've had breast cancer and you're due for a mammogram in December and you apply for cancer insurance in October, your life insurer will likely wait for the results of your next mammogram.

3. Get prices from several companies. Policy costs can vary a great deal among companies.

4. See if you can get group life insurance through a professional, fraternal, membership, or political organization to which you belong.

5. Consider a "graded" policy (one with limited benefits) if you cannot get full death benefits. In the first few years of a graded policy, the company pays only the premiums and part of the face value if the insured person dies of a condition, such as cancer, that existed before the policy took effect. If the insured person dies after the specified grading-in period, the company will pay the full face amount of the policy.

If your cancer has been successfully treated, and you are otherwise in good health, you can likely obtain a cancer life insurance policy. If you can show that you are healthy and your treatments have gone well, several insurers may compete for your business.

0

Insurance Agency

In order to conduct a thorough comparison of auto insurance, one must understand the different aspects that should be looked at and subsequently compared. These aspects together form a complete view of auto insurance and will give the person conducting the comparing a better idea of what they will want to purchase.

Compare Companies: Each company has its own "something" to offer its clients and it is up to the clients, or drivers in the case of auto insurance, to determine what it is they want from an insurer and find which insurance companies offers it the best. When it comes to comparing car insurance providers, drivers should look at a couple of aspects about the company in specific while getting an overall feeling of what they provide.

One thing to look into in depth is the insurer's financial strength. You can think of purchasing an insurance policy almost as if you are making an investment, and people don't make investments with a company unless they are a financially strong company. Whether a driver is making a monthly payment or paying in full at the beginning of the policy period, that driver is expecting the insurer to be able to come through for them in a time of need. When a driver pays their bill on time and maintains their insurance policy, they expect when they go to make a claim that the claim will be paid for in a timely manner and that it will be paid. Only financially strong companies can ensure claims will be paid. Insurers who are not financially strong and are more vulnerable to financial failure will have a more difficult time paying those claims. Would you want to pay an insurer who will maybe pay a claim? Of course not. Drivers want an insurer who will definitely pay a claim and be around for a long while.

There are a few third party companies who conduct financial evaluations of insurance companies and then post their findings to the public. One company is AM Best, who ranks companies by giving them a letter grade, which can be used to determine how strong the company is financially.

Another aspect to be considered comparing is the insurer's customer service rankings. Policyholders should be treated well by the representative, and the company's website should be easy to navigate through. There should be options to make the premium payment online, through the mail, or over the phone. The company should do everything possible to make the auto insurance experience as pleasant as possible for their policyholders. In essence, the policyholder should be treated as though they are a number one customer. To find out rankings of an insurer, check out JD Power and see who is rated number one this year, or find out how your current insurer ranks.
Every driver is entitled to a great experience with their insurance provider, even drivers who don't have the greatest driving records. No one should settle when it comes to customer service and being treated well, even when talking about car insurance.

Compare Coverage Options: There are many options to be considered when choosing coverage for a policy. Drivers must carry the state requirements, but beyond that is the choice of the policyholder. The main two types of coverage will cover the vehicle and cover medical expenses, and we'll start there. Medical expenses become very costly as the intensity of the accident increases. Major accidents can cost tens of thousands of dollars in medical bills, and many people don't purchase enough insurance to cover that nor do they have that money in savings. There are different types of medical coverage, including the self titled medical coverage and also personal injury protection. In some states one of these is requi red, but for residents of the states that do not require these, they should be considered. These can be used in conjunction with a healthcare policy if the policyholder currently has one. These medical coverage options can help with lost wages, funeral expenses, and surgeries or other medical needs resulting from the accident. Also when purchased, they will go into effect whether the policyholder is at fault of the accident or not.

For vehicle coverage, there are options that will protect the policyholder's car from any cause of the damage. For instance, comprehensive and collision, when combined, will cover damages that occur no matter what or who caused them. This list could include weather-related damages, vandalism, and even theft. In fact, if the policyholder's vehicle has a loan or lease on it, the loan/lease owner will require the policyholder to carry comprehensive and collision. There are other vehicle coverage options to consider as well, such as uninsur ed or underinsured coverage, which will permit the policyholder to rely on their insurer to cover damages done to their vehicle or body by a motorist who has very little or no insurance. To find out what coverage options are offered by an insurer, contact them for specific terms of coverage.

Compare Prices: The best way to compare prices is to gather the estimated prices or quotes that are given by insurers and find the lowest price, and the fastest way to do so would be using our quote comparison tool. By using this tool, the driver or applicant only needs to answer one set of questions and in return will be given a list of prices from a number of local insurers. Compare this to the alternative, which would be to contact each insurer individually to make a list of quotes, which would take a considerable amount of time. We'll provide the same information, just in a shorter amount of time.

Auto insurance comparisons are most easily done when the driver k nows what they are looking for. Comparing different parts of car insurance, such as the provider, the coverage, and the cost, will give the driver a better understanding of the type of company that is providing the insurance. Without knowing these things about a company, the driver isn't making certain they will be getting the best policy available for their circumstances.

Get A Auto insurance Quote

Get A Home insurance Quote

0

Houston, Texas Auto Insurance - What You Need To Know

Are looking around for cheaper Texas car insurance. What should you know? In this report I discuss 7 ways you can save money on your auto insurance policy.

Rule One: Your Texas home insurance and Texas auto insurance are not with the same agent!

Are you inured with a homeowners insurance in Houston or rental property insurance policy? Yes, is it packaged with your Houston auto insurance? No, well than you are missing out on the discounts available when you package your insurance.

Most agents who sell Houston auto insurance, additionally look to package their clients Texas home insurance or renters insurance together. Packaging your home and auto together provides you with additional discounts up to 25%.

Ask your agent about packaged policy savings.

Rule Two: Keep a clean driving record

There is no mystery that an individual with a healthier driving record, will pay a lower car insurance premium.

A lot of auto agencies are in fact a group of numerous insurance companies, individually catering to a specific type of client. Bad drivers may fit better in one company, good drivers in another, but the bulk of the population fall in the companies between. These people pay a lower premium than bad operators, but a higher premium than excellent operators.

Even though average drivers might have driving records as good as those insured with the lowest rates, They still pay a higher premium. Why?

This is commonly due to the buyer being uninformed. If you maintain a flawless vehicle record, why should you pay more than you need to. Make sure your agent is helping you take advantage of all the available discounts offered.

Rule Three: Glamorous Vehicles Equal Higher Premiums

The car you choose to drive can greatly affect your auto insurance premium

Is the car type a green light for criminals? Does it cost more to fix your car?

If you answered yes to one or both of these questions, you may be paying a higher than average premium for your Houston auto insurance policies cover.

Rule Four: Increase your deductible amount:

Your deductible amount is the cost you are responsible to pay before the insurance company takes care of the rest. Here is an example, an insured is covered with a $500 deductible and the insured has a wreck where their car suffers $1,500 in damage, the insured will first pay $500 followed by your insurance company paying the remaining, $1,000. The smaller your deductible amount, the greater premium you will pay.

Depending on your accident frequency, it may be beneficial to you to increase your deductible and pay a lower premium every year.

Rule Five: Get rid of unnecessary coverages

Maybe you drive a dated car, with very little worth. You probably do not need collision and comprehensive coverages.

If the value of your car is below $1,000 there is no reason to choose comprehensive and collision coverage. What is the value of your car? Ask your auto dealer or look it up on Kelly Bluebook.

Rule Six: Be sure you take advantage of all the available discounts

Texas car insurance carriers offer many additional savings discounts.

Automatic seat beats Air bags Anti-lock brakes Alarms and theft devices Good student Rule Seven: Good credit scores can play a major factor

Do you have a better credit score than accident record? A high credit score may save you a lot of money with some insurance companies.

High or low credit scores may play a major role in shaping auto insurance premium. Good credit scores may provide you with additional discounts while a poor credit score could raise your premium greatly depending on the company. If your credit score improves after you purchase an auto insurance policy, makes sure you let your agent know so you can take advantage of the discounts applied to good credit.

Despite your credit score, speak with your agent and be sure you are with a company that best fits your auto insurance needs.

Learn more about Houston auto insurance online or request a free online auto insurance quote.

At Insurance Over Texas, we take a personal interest in our customers. We like to share information that comes to help you protect yourself and your family from financial loss. If you have any questions, regarding this information or your current insurance coverage, please do not hesitate to give me a call, shoot me an Email, or Ask a Texas insurance question online

0

Why Do You Need Insurance?

You've worked most of your life to give your family a comfortable house to live in. You want your children to live happily and contented with the business that you've built through the years. Yet accidents do happen. When it does happen, the first question will be, are you protected to ensure that what you've built through the years won't easily be blown with the wind? If your answer is yes, then congratulations! Yet then again, what if you're not protected to ensure everything that you've worked for including yourself? You need to think it over. Remember, even the most careful person needs insurance. They can't prevent accidents from ever happening. Although, having insurance is not a substitute for risk management, yet it's designed to help you absorb any responsibility that may occur.

Hopefully as you read on, this article will let you realize the importance of having insurance. Not just for your protection, yet for the protection of your loved ones and the d ream that you've built. If you do have insurance and you're tempted to put it off, don't. Insurance helps you pay for everyday expenses and provides you a back-up in case of serious illness.

First, what is insurance? Insurance, according to the dictionary, is a promise of reimbursement in the case of loss or is an amount paid to people or companies after a disaster or accident. In short, insurance is a policy designed to make sure that you are no worse off after an accident or disaster than you were before it happened. Insurance is designed to protect you and your family from unforeseen disasters and financial burdens. Insurance comes in all shapes and sizes. It runs the extent from personal insurance to corporate umbrella liability plans, as well as auto and homeowner's insurance plans. Knowing what types of insurance you need is also important to make sure that you don't overspend on things that are unnecessary.

There are different types or kinds of insurance for every type of situation. Here are some important types of insurance: Disability insurance, life, health, long term care insurance, auto, homeowner's insurance and liability insurance. Consider your needs and what you need to protect. These are the most common types that anyone may need in case something happens to your property, to your loved ones and most specially to you.

Disability insurance. Did you know that a person like you is more likely to be disabled for sometime before you die in case of a serious accident? Ask yourself, if you become disabled, how can you cover your expenses? How will you be able to save for your retirement? Since majority of disabilities are health related, can you afford the risk of being without earnings and having increased healthcare expenses? If you are someone whose income is required to maintain your lifestyle, then protect your income by purchasing this type of insurance as this is a vital risk management strategy for all wage earners.

There are 2 types of disability: short-term and long term. Short term coverage will provide income replacement protection, usually after one week of disability, and will pay up to six months. Long term, on the other hand, is the type of disability that starts generally at the six-month mark and continues until age 65.24.5% of American household no longer have he alth insurance when they lost or changed their jobs. The sad part about health insurance is that if you can't afford to pay the premium, you definitely won't be able to afford bearing the risk yourself. If you contract an illness while being uninsured, you may not be able to buy insurance later because you will have a pre-existing condition or would likely end up paying more than what you should.Health insurance.

Almost one out of five Americans has no health insurance. Most of these people state that cost is the reason.Life insurance. On most occasions, life insurance protects your surviving family in the event of your death.

This type of insurance offers protection to the family you leave behind and serves as a cash resource to deal with money owed, payment of mortgages, and other living expenses. Also, life insurance can have a savings or pension component that provides for you during your retirement. It also protects your hard earned possessions b y providing tax free cash which can be used to pay estate and death duties and to tide over business and personal expenses. In case of bankruptcy, the cash value as well as death benefits of an insurance policy is exempt from creditors, if any.

Auto insurance. Imagine you were to be involved in a car accident with another car and was found out that it was your fault, you need to pay for all the damage done would you be able to pay for repair or replacement of the other car and pay for the medical bills of the other driver and their passengers? Owning a vehicle and letting it out of the garage would definitely mean you should have auto insurance. Depends what state you're located and the brand and make and model of your vehicle as well as your age, would depend on the amount of premium that you need to pay.

Having insurance is important to good financial planning and security, yet you need to assess your personal risk and long term commitments. Insurance gives a person a heads up throughout life and can be used in cases of emergencies during a life time by requesting a withdrawal or loan. If you are still having second thoughts of getting insurance, you may want to think again. Having insurance is an investment, you'll say you don't need it so why pay for something you don't need? Remember there is always something that you need yet you can't see - protection and knowing it's just there when you need it.

Homeowner's insurance. Having a beautiful home and furnishing it doesn't stop there. If you have a home and you have a mortgage, you must have homeowner's insurance protection. First, your mortgage company would require you to have it and second, even if you own you home outright, you still need to have homeowner's insurance to replace or fix the things that are too expensive or impossible to pay for yourself.

0

How To Handle Water Damage Restoration To Your Home After A Flood - And Save In The Process

Who would think that water could cause so much damage to a home? A flood can cause a minimal amount of damage or cause you to have to restore so much you feel as if you're gutting your house completely...as if you're starting over on the building of your home. Unfortunately the work has to be done but the outcome will be well worth it once you and your family are able to move back home. You can also save in the process and - in the end - reward yourself for your hard work.

The first step that should be taken is to protect repairable and undamaged items. There's a chance that these items may become damaged after the flood waters have subsided. If mold and mildew have started growing in your home they will continue to grow until the home dries completely and the proper steps are taken to rid of these organisms. Mildew will be the first to appear in the home; however, mildew is mold in the early stage. It only takes 24 to 48 hours for mold growths (or colonies) to start growing in a damp area. Once it has started to grow you shouldn't use fans in order to dry a room. This will only cause the mold to spread. Discard of all wet items in your home including carpeting as soon as possible.

You can eliminate mold from clothing, bedding, and toys by cleaning and disinfecting the items. With clothes and bedding - add 1/4 cup of white vinegar to a load of laundry. Continue to wash in this manner until all traces of mold are gone and clothes don't have a moldy smell anymore. Complete this process by washing your clothes one more time with regular laundry detergent. Toys should be set in a bucket with a mixture of 2 cups of white vinegar and 1/2 liter of warm water. Let toys soak overnight, then scrub with an old toothbrush or a bristle brush. If all the mold isn't removed after this step then put toys back in the bucket and add 2 foaming denture cleansing tablets and warm water. Again, let toys soak overnight and scrub with a brush again.

Any foods that had even a remote chance of getting damp should be discarded immediately. The only foods that should be saved are sealed packaged foods and canned goods that haven't been dented or damaged. Remove labels on all. Wash sealed packages with a warm water/dish washing liquid mix. Scrub with a bristle brush. For canned goods - scrub with bristle brush in a strong detergent solution - then put them in a mix of 1 quart of warm water and 2 teaspoons of bleach for 15 minutes. Another solution is to boil for 10 minutes. It's very important to remove the labels since the paper can hold dangerous bacteria.

The sooner you can start cleaning the inside of your home the easier it will be to rid of the mold and mildew growing in your walls, flooring, appliances, and ceilings. Make sure to wear gloves, a mask, and eye protectant. You should have the area you're working in at the time well ventilated. Disinfect all surfaces with a 10% bleach solution allowing the solution to sit for at least 10 minutes. Then rinse with clean water. Unfortunately, there's no easy way to rid of mold or mildew on wallboards, plaster, or paneling. The best way to handle this situation is to remove all that has been soaked by flood waters at least to the flood level. If your home has the blown-in cellulose type of insulation it's best to rid of this since it holds water for such a long time. Styrofoam and fiberglass batts can be reused if hosed off and dried completely.

For insurance purposes it's best to take plenty of before and after pictures. Keep a daily activity log including any and all calls made to your insurance company and conversations that took place. Make sure to keep all of the receipts used to purchase everything - right on down to the cleaning supplies. And don't throw any damaged materials away until your insurance company gives you the go-ahead.

Before you start purchasing any cleaning supplies or replacement building supplies you may want to consider getting the best price for your every need while rebuilding your home. There is a way to save on these purchases daily. These savings can add up to an astronomical amount - possibly enough to replace all the furniture needed to finish making your house a home again. The earlier you start saving - the more money you'll have to put back in your pocket. Start saving today!

0

Congressman Shadegg Announces He Will Not Seek Re-Election

Jan 14 - Today, Congressman John Shadegg (AZ-03) issued the following statement regarding his plans to represent Arizonas Third Congressional District beyond 2010:

I am today announcing that, while I will serve out my current term in the U.S. House of Representatives, I will not be a candidate for re-election to Congress. Representing the people of Arizona in the House has been one of the greatest privileges of my life. And, while it would be difficult to leave this position at any time, it is particularly hard to do so now with the challenges we face as a nation, but it is necessary for me to do so.

While representing the people of Arizona in the House was one of my goals in life, it is not the only one. After 16 years it is time for me to take my life in a new direction and to pursue my commitment to fight for freedom in a different venue.

In doing so, I particularly want to thank the people who have supported and voted for me through out the years. I couldnt have won this seat or engaged in this fight without their steadfast friendship and support. I will remain forever in their debt. I also especially want to thank my wife, Shirley, and my children, Courtney and Stephen, for their sacrifice, patience, and encouragement. They have been there through the highs and lows, and I sincerely appreciate all they have done to make my career in Congress possible.

I also want to thank the men and women that I have been blessed to have on my staff, working alongside me as we fought the good fight. My staff is Shirleys and my extended family, and their creativity, wit, and hard work stands unparalleled. Most importantly, together we share a passion for freedom.

Two years ago I considered retiring and briefly announced my intention to do so. I was talked out of that decision by my constituents and colleagues. For those who encouraged me to run then and particularly those who stepped up and help ed financially in that race, I want to reiterate my sincere appreciation. 2008 was a disastrous year for Republicans. Yet, with their help we proved that this is a solidly Republican seat, defeating my Democrat challenger by double digits notwithstanding the millions of dollars poured into this race by National Democrats. This time, however, my decision is irreversible.
As the Obama Administration and Speaker Pelosi grow further and further out of touch with average Americans, evidence continues to build that 2010 will be a record year for Republicans running for Congress. And, I am extremely confident that the people of the Third District of Arizona will elect a solid conservative.

In the last year, I have been able to fight the massive government takeover of our nations health care system advanced by President Obama and Speaker Pelosi. I will continue to do so with every ounce of energy I can summon. This takeover is deeply flawed and overwhelmingly opposed by my constituents.

I have worked on health care reform my entire Congressional career. One of my proudest moments came when my legislation to encourage states to cover those with pre-existing conditions was passed by Congress and signed into law.

I have introduced legislation every year since 1996 to give Americans greater choice in selecting their health care and greater control over their health care decisions. Time and again, I have proposed innovative ideas. Early on, I introduced legislation giving individuals the ability to purchase coverage on the same tax-favored basis businesses now enjoy. I was the first to propose allowing individuals to purchase health insurance across state lines, an idea that continues to gain momentum. These are real reforms that would force Americas health insurance companies to compete with each other for our business, and drive costs down and quality up.

I have repeatedly introduced legislation that would give every American, rich and poor, health coverage and cover those with pre-existing conditions while preserving choice, creating real competition, and cost savings.

The biggest problems in health care in America today are the result of misguided government policies. It is the government that puts your employer and the health plan your employer selecte d between you and your doctors. It is the government that allows employers to buy health care coverage tax-free but makes individuals use after-tax dollars to buy coverage. And, it is the government, including a specific provision in the current House and Senate bills that gives health insurance companies immunity from damages if their decision injures or kills someone. Yet, National Democrats are about to bail out the health insurance industry, compel every American to buy their product whether we want to or not, dramatically expanding the roll of government in health care. This is a tragic mistake which we will come to regret.

To this day, I get goose bumps when I walk back to my office in the Cannon Building after a late night vote and look up at the Capitol Dome shining through the darkness. I will deeply miss doing so. Our Nations Capitol is the greatest symbol of freedom in the world. And, I will be forever indebted to the people of Arizona who bestowed on me the privilege of representing them in the fight for freedom.

While the rules of the House do not allow me to pursue future employment while I am still in office, rest assured, I will continue to remain in the fight for freedom and defend American exceptionalism.

0

Pet Insurance and the Meaning of Policy Terms

Pet insurance policies can be difficult to understand if you are unfamiliar with the meaning of the terms they contain. Many policies are written with jargon that is difficult to understand which can prevent you from knowing exactly what you are getting for your money.

Deductibles, co-pay, exclusions, pre-existing; the list of terms goes on. Understanding what these terms mean before you start looking for a pet health insurance policy will help you to avoid any frustration or confusion.

Here then are the meanings of the more common terms in pet insurance policies. The next time you read through the features of a pet health insurance policy, you'll have a better understanding of what everything means.

By knowing the meaning of each term, you'll be able to ask intelligent questions, make informed decisions and ultimately buy the right policy for you and your cat.

Let's get started.

Descriptions of Pet Insurance P olicy Terms

Deductible

The term 'Deductible' is fairly straight forward. You've probably heard of the term deductible from car insurance. If you don't have a car or are new to insurance, here is what it means.

A deductible is essentially the money that is deducted from a Vet bill or a charge for medication. It's the part of a claim that you are responsible for paying.

There are two types of deductibles in pet insurance; the annual deductible and the per-incident deductible.

The best way to explain what they mean is by example. Let's say your Cat, Simone, is going to the Vet to be treated for an infection. After everything is done including the blood work, treatments, medications and visits to the Vet the total costs are $1800.

Luckily you have pet health insurance and won't have to take a second job to pay for the costs. The deductibles on your insurance policy determine how much money you will have to pay. The remaining amount will be paid by the ins urance company.

First there is your annual deductible. Let's say its $500. Next is the per incident deductible which is usually around $100. Your total deductibles come to $600. The remaining balance of $1200 dollars is paid through your insurance policy.

The next time Simone has to go to the Vet during the same year all you need to pay is the per-incident deductible and your policy covers the rest.

Once you've fully paid your annual deductible, you're good for the rest of the year. With your annual deductible fully paid, you'll only need to pay a per-incident deductible on any new claims made during the remainder of the year.

Per-Incident Deductible

A per incident deductible is the amount that you pay on a claim for a specific incident. Depending on your insurance policy you may need to pay a per-incident deductible.

Let's say your Cat has been diagnosed with kidney disease. The first time he goes in for treatment you will pay a per-incident deductible. If the treatment continues you will not need to pay another per-incident deductible since it is part of the same incident.

Benefit

If your pet dies during the term of your pet insurance policy, you will receive a benefit from the insurance company. This is a lump sum paid out to you that covers any related expenses such as the burial or cremation of your beloved pet.

Claim

A claim is a request made to a pet insurance company for any Vet expenses, treatments and or medications for your pet. Your pet insurance policy will have a list of the items you are able to claim for. Check your pet insurance policy to see the expenses you are able to claim.

Most claim forms are available on the insurance company's web site. Once you have downloaded and printed the form, simply fill it out and mail it in.

The amount of time it takes your insurance company to process a claim and send out a payment varies from company to company. Check with your insurance company to see when you can expect to receive a payment.

Co-Pay

A co-pay is a small fee that is paid each time you visit your Vet. Any additional expenses will be paid through your pet insurance policy. A Co-Pay is usually around $20. and must be paid before any other pet health insurance payments can be made.

Exclusions

Exclusions are items that your policy will not cover. Exclusions can be anything from specific diseases and ailments to the Vet you would like to use.

Depending on your pet insurance policy, only certain Vets or types of pet care will be covered. If you are unwilling to switch Vets, make sure the Vet you plan to use is covered before buying a policy.

Does your cat have any pre-existing conditions? Check to see if their condition is covered. Be sure to review all the exclusions of a policy and ask any questions in order to fully understand all the exclusions.

Most pet health insurance plans contain a number of common exclusions. If the pet insurance plan you are looking at has an exclusion that you need coverage for then ask what the additional cost would be to have the coverage added. If nothing can be done, consider looking for another pet insurance plan.

AM Best Underwriter Rating

The AM best underwriter rating is a top rating company that develops independent reviews on insurance companies. They determine how well an insurance company can make payments based on their financial state.

To get an idea of the stability and quality of the pet insurance company you are planning to use, be sure to take a look at the AM best rating. This rating is a good indicator as to the ability of a particular insurance company to pay on a claim.

Final Words

We hope this list of terms and their meaning will come in handy during your search for a pet insurance policy. Although this list is not exhaustive, it will help you to better understand pet insurance policies.

There are many pet insurance companies with different plans available. By knowing the meaning of these common terms you'll see that pet insurance isn't as complicated as you may have originally thought.

If there is a term you come across while reviewing a pet insurance policy that is not covered here, share it with us in the comments. Also, be sure to ask as many questions as you need to fully understand the meaning of any terms not covered here.

Never assume or take someone elses word for anything that appears in a policy. It's your money and your Cat's welfare you're protecting. Make sure you understand everything completely.

0

Pet Insurance Could Save your Pet's Life Some Day!

What Is Pet Insurance: Pet Insurance is basically the animal equivalent of health insurance for people. In other words pet insurance is designed to ensure that you can cover the medical costs in the event your beloved pet falls ill, has an accident, is injured or requires emergency medical attention for whatever reason.

What Does The Insurance Company Get Out of It? Just like any other business, insurance companies that provide pet insurance do so to turn a profit or to put it another way, they are in the business to make money!

Pet insurance like pretty much any other kind of insurance is a gamble of odds, or a case of Just In Case. This simply means that a pet owner who signs up for pet insurance does so not because they expect or wish their pet to fall sick or come to harm, but just in case their pet requires medical attention for whatever reason; their insurance plan will then help offset the not inconsiderable cost of veterinary care and attention their pet might need. The insurance provider as mentioned before is in the business to make a profit. Hence they don't care whether your pet is called James Thaubert III and comes from a distinguished line of ratters, what concerns them is what are the odds that that just-in-case scenario where you make a claim on your policy will become fact.

Having a basic working knowledge of the insurance industry will help you understand why pet insurance companies will not insure certain cases, or why you may have to pay a higher insurance premium. For example a lot of insurers will demand a higher premium for elderly dogs (if they'll even insure them at all) because older animals are evidently more prone to debilitating disease and injuries that require medical attention which translates into money out of the insurer's coffers since they'd have to make good on a valid insurance claim.

UNDERSTANDING SOME BASIC INSURANCE TERMS

Insurance Premium: This is the amount of money the insurance company will charge you for active or ongoing health coverage of your pet.

Deductibles: This is the amount you need to pay your insurance company before they'll cover the expenses laid out in your pet insurance policy.
Policy Limit: This refers to the absolute maximum amount the insurance company will payout for a particular insurance plan.

Exclusions:. Most Pet Insurance companies have a list of "exclusions" in their plans to keep premiums and overall costs low. Such exclusions vary from company to company and are also dependent on the insurance policy or plan that you settle for. However as a guide generally expect the following to be listed as exclusions:

Pre-Existing Conditions. These may be further subdivided into Temporary Pre-Existing Conditions and Permanent Existing Conditions.

Temporary Pre-Existing Conditions may be described as those conditions that will eventually heal or get cured. Say for example that your dog had an ear infection a year prior to the activation of your pet insurance plan, most insurers would consider that a pre-existing condition until such period that a full year has elapsed (or whatever length of time is stipulated in the policy) with no recurrent infection since the time of the original infection. Thus most insurance policies would qualify that as an exclusion and hence it would not be covered

Permanent Pre-Existing Conditions. The vast majority of pet insurance companies will permanently exclude pre-existing incurable conditions, such as a case of a dog that suffers from Cushing's disease; this would be considered an incurable permanent pre-existing condition.

Other Common Exclusions include:

Behavioral Problems;

Cosmetic Procedures;

Grooming;

Elective Procedures (tail docking, ear cropping, removal of declaws); and

Congenital and hereditary disease.

Once again such exclusions vary from company to company and although several insurers will either not cover breed-specific hereditary disease or demand an increased premium, there are those companies that will include genetic and hereditary disease coverage in their plans just as long as your pet does not currently show any signs or symptoms of the condition.

Pet insurance has certainly come a long way since the 1980s when the first such company set up base in North America and started offering this type of insurance. Now there are a number of companies offering pet insurance which is great news for pet owners because competition in any field tends to drive down end-consumer prices! These days there are certainly a good number of pet insurance plans to accommodate any budget. Needless to say, the different plans vary considerable especially when compared for the different insurance companies.

It is impossible to address and list every available plan out there but a good rule of thumb is to compare quotes from a number of different companies because quite often one company may well offer services another won't for the exact same monthly premium!

SHOULD YOU BOTHER WITH PET INSURANCE?

Perhaps currently your pet is in seemingly perfect health but could you say with certainty the same of tomorrow? Remember health insurance for your pet is there to act as a safety net in the unfortunate event that your pet is befallen with some medical mishap. If you truly love your pet and consider he/she as a member of your family then getting pet insurance is a no-brainer. Not only will it save you heaps of regret and feelings of guilt (when beloved Skip has to be euthanized all because you didn't get insurance that would have covered the medical costs of the cancer treatment) it will also spare you those soul-burning accusatory glares from your kids!

But seriously, with insurance plans as low as $10 a month, and considering the escalating costs of veterinary care, pet insurance really ought to be a priority if you do indeed care about your pet but if that still is not persuasive-argument enough, then perhaps the following list of common veterinary expenses might just be enough to convince you if you still harbor doubts:

Cancer Treatment: $3500 and upwards;

Hip Dysplasia: $2500

Road Traffic Accident: $4500

Leg Fracture: $2500

Foreign Body Ingestion: $4000

Pet Insurance

0

Why you Should Go for a Pet Insurance

Pet Insurance offers coverage of your pet's medical expenses. You can purchase pet insurance from a veterinarian or from an insurance company. Though pet insurance is a debatable point as many people take it differently it rescues from financial burden by taking care of your pet's medical expenses when it undergoes any treatment for accidents and illness. Sometimes, pet insurance covers vaccinations and preventive medications also.

Pet insurance is beneficial as medical care for pet is very expensive on occasions like when it falls ill or when an accident occurs. It is a necessary provision for all pets and typically this insurance covers medical expenses for animals like cats and dogs. There are some insurance companies that provide insurance for pets of exotic species also.

Depending on the insurance cost the level of pet insurance coverage varies. There are various pet insurance plans available in the insurance markets that are affordable. The basic coverage starts for a month between $10 and $15 per month and for wider coverage, a higher pet insurance plan can be chosen. Similar to other insurances, pet insurance also looks for pet's eligibility conditions like the fitness of the pet and its age. A pet insurance is generally meant for young pets and is not offered for older pets. But if you want to avail pet insurance of aged pets the insurance costs will be significantly higher. There are insurance companies that don't offer pet insurance for dogs which are more than 9 years old.
The pet insurance policy and insurance plan description will provide you all the details of where and how claims can be met. Pet insurance providers have databases in order to avoid false claims and to ensure that only the insured pet is claiming the insurance amount for treatment. A veterinarian provides identification for preventing false claims. Some pet insurance providers offer discount for insuring more than one pet and provide affordable insurance for pets.

Depending on your pets' health and age, the insurance coverage varies. When your pet is lost due to theft or your pet is dead, the pet insurance provides you a new pet as replacement. But the main benefit for pet owners is the medical cover provided in various forms by the insurance companies.

Before opting for a pet insurance, you should read all the terms and conditions specified by the insurance providers. But the pet insurance procedure totally depends on your pet's health condition. For finding the best insurance policy for your pet you can search through the web for pet insurance policies and covers. Online pet insurance provides you an opportunity to identify different insurance companies along with their rates. This service enables you do a detailed comparison of various pet insurances and decide on the best insurance deal that's suitable for your pet.

With the technological advancement available in health care, the level of diagnostics provided for animals is also high and therefore is not affordable for all. Unfortunately the health care programs of the government are also not available for pets. Pet insurance bears your vacation cancellation expenses if your pet is not well for specific reasons and if there is a treatment necessary for your pet, the insurance covers your overseas travel cost. A pet insurance policy as a gift for your pet proves your love and care for your pet, as it really deserves it.

0

Do You Know Which Pet Insurance You Should Get?

If you have just got a pet, you most likely will not know that there are a variety of ways in which you can protect your pet. As your pet grows on you, so will its age and no time is sooner than now to get it a pet insurance.

To get started, let's get you familiarized with three types of pet insurance:

1) Pet Life Insurance

As veterinary care becomes more and more expensive, it only makes sense that you should get a pet life insurance. Not only will it help you in taking care of hefty medical bills but your pet should be able to live a healthy life because you are able to take it to see the vet for its routine check ups or shots.

In most cases, pet life insurance would also protect your pet from injuries that may affect them and get preventive care under the plan. Some pet life insurance plans will also provide your pet coverage for illnesses after thirty days of taking the plan.

This is how a pet life insurance will work for you. If the pet becomes injured or has fallen sick, all you have to do is to take it to a licensed veterinarian and pay them for their services after which you can submit a claim along with relevant receipts.

However before taking out a pet life insurance policy, you may need to consider a few necessary issues such as:

i) What should be covered by the insurance policy

ii) Different levels of pet insurance

iii) Limits of pet insurance
iv) Whether the plan will cover hereditary condition

v) You should consider the means to pay the premium

vi) You should know if the policy provides third party liability or not

vii) Whether there will be any payment when the pet dies.

You should also get a pet life insurance in the event your pet deliberately injures another pet or a person in which you may have to pay a sum of money for compensation.

There are different types of pet life insurances in which you have to compare prices, consider policy excess, get lifelong cover, and consider all benefits available. You also have to understand the small print to be well informed.

2) Travel Pet Insurance

Travel pet insurance basically put, is going to help you take care of your pet by the same way as a regular insurance, but when you travel. This means that if your pet gets sick or hurt, you will not be able to use your regular pet insurance to take care of your pet but you can use your travel pet insurance.

You can purchase a temporary policy that will give you travel pet insurance. This policy will generally last a number of days or even weeks. During this period of time if your pet gets sick or injured, you are going to be able to take advantage of the policy to pay for your pet's recovery.

Another type of travel pet insurance provides your pet protection in case you have to ship it some place. This type of travel insurance covers these costs and anything that might go wrong when you have arrived to your destination.

3) Embrace Pet Insurance

Embrace pet insurance allows you to customize your pet insurance policy. This means that you can decide on what you want to include or not include in your embrace pet insurance policy.

All of embrace pet insurance policies comes with the basic built-in coverage such as: accidents and illness, genetic conditions, cancer, alternative and complementary therapies, hospitalization, surgery, laboratory and diagnostic testing and drugs administered by your vet.

The basic coverage of the embrace pet insurance policy is quite complete already that even if you do not add in for more services, your pet is being protected enough.

When customizing your embrace pet insurance, you can make it suit your budget and the needs of your pet. You can opt for your policy maximum, the deductible, co-pay and other options that can help you make your policy more suitable for you and your pet.

However it takes the age, health and status of your pet that will determine the parameters on how you can customize your embrace pet insurance policy. For example, if you have a cat and it is relatively young, healthy and stays indoors most of the time, you may be able to take up a policy that will cost you less. You have to evaluate the policy closely and find out where you can save some money.

0