I found a new article, discussing type of health insurance for home business and small business. The article discusses some issues that most small and home business owners will find very interesting.
We get some tips to keep health insurance affordable. Some types of health insurance plans will cost less and have less rate premiums than others. Of course, we still want good coverage while paying as little as possible, and I think the article on the best health insurance plans for home and small business addresses that.
It also helps you compare group health plans vs individual health plans, which is a decision that many very small business owners need to make.
Thursday, January 31, 2008
Tuesday, January 29, 2008
Cheapest Cars To Insurance
Everybody goes car shopping and thinks about the monthly car payments. However, many car shoppers fail to consider the increase in their car insurance from buying a new car, and sometimes this can be considerable!
Sports cars, cars that are expensive to repair, cars that tend to do a lot of damage in accidents, and cars that get stolen a lot can be on a car insurance company's list of cars they will nail for extra premiums.
Before you visit the car lot, do a little research. First get a general idea of which cars are very expensive and cheap to insure here! This gives you an idea of which cars, in general, tend to make car insurance companies nail drivers with higher rates, and which cars the car insurance companies predict will not cause high claims later.
Of course, your driving record, age, and where you live also impact your car insurance rate. Even your credit report matters nowadays. Run a safe, fast, and free online car insurance quote for the cheapest car insurance rates for you!
Find the Best Insurance Quotes in the US!
Sports cars, cars that are expensive to repair, cars that tend to do a lot of damage in accidents, and cars that get stolen a lot can be on a car insurance company's list of cars they will nail for extra premiums.
Before you visit the car lot, do a little research. First get a general idea of which cars are very expensive and cheap to insure here! This gives you an idea of which cars, in general, tend to make car insurance companies nail drivers with higher rates, and which cars the car insurance companies predict will not cause high claims later.
Of course, your driving record, age, and where you live also impact your car insurance rate. Even your credit report matters nowadays. Run a safe, fast, and free online car insurance quote for the cheapest car insurance rates for you!
Find the Best Insurance Quotes in the US!
Thursday, January 24, 2008
Dropship Money Book
One of our favorite women's blogs, http://www.womanwork.net - has posted an article on ebay and dropshipping. This is a tactic that many women use to set up their first work-at-home business online, and some WomenWork.net decided to post about it.
The Dropship Money Book taks about mistakes to avoid and how to get a dropshipping business set up the right way. The most important point is one that we have mentioned before. If you want to prosper at dropshipping and EBay, you need to treat it like a real business and not a hobby. This is true, even if you only plan to work part time.
You will get treated better by suppliers, avoid problems, and are just more likely to do well if you set yourself up as a real business and manage your costs and revenues as if you are running a business. Why? Well, guess what? EBay and Dropshipping is a real business!
The Dropship Money Book taks about mistakes to avoid and how to get a dropshipping business set up the right way. The most important point is one that we have mentioned before. If you want to prosper at dropshipping and EBay, you need to treat it like a real business and not a hobby. This is true, even if you only plan to work part time.
You will get treated better by suppliers, avoid problems, and are just more likely to do well if you set yourself up as a real business and manage your costs and revenues as if you are running a business. Why? Well, guess what? EBay and Dropshipping is a real business!
Women's Life Insurance
Womens Life Insurance
If you are a woman, or a man with a spouse, then you have probably considered purcashing life insurance for your husband. You understand that you need to replace his income and pay off debts if he dies. However, many families overlook purchasing life insurance for women because in those families the wife is not the primary breadwinner.
However, even if a woman is not employed outside the home, her contribution is obviously valuable. A wife and mother probably serves as the maid, cook, and transportation for the rest of the family. Of course, many women also serve as the home tutor and counseler too! Would your family want to do without all of these services if something were to happen to Mom?
Also, womens life insurance is usually very affordable, cheaper than men for the same age and rate class. Also, the face amount needed may not even be that large in the terms of life insurane premiums, and so it would not be a huge expense.
However, even a very small life insurance policy of, say $50,000, can make a huge difference in how well a family can adjust to a tragedy.
If you are a woman, or a man with a spouse, then you have probably considered purcashing life insurance for your husband. You understand that you need to replace his income and pay off debts if he dies. However, many families overlook purchasing life insurance for women because in those families the wife is not the primary breadwinner.
However, even if a woman is not employed outside the home, her contribution is obviously valuable. A wife and mother probably serves as the maid, cook, and transportation for the rest of the family. Of course, many women also serve as the home tutor and counseler too! Would your family want to do without all of these services if something were to happen to Mom?
Also, womens life insurance is usually very affordable, cheaper than men for the same age and rate class. Also, the face amount needed may not even be that large in the terms of life insurane premiums, and so it would not be a huge expense.
However, even a very small life insurance policy of, say $50,000, can make a huge difference in how well a family can adjust to a tragedy.
Sunday, January 20, 2008
Key Man Universal Life Insurance
Are you looking for Key Man Insurance For your Business? Of course, now we call it Key Person Insurance, but the name key man or keyman insurance still gets searched on most of the time.
Many business owners look at Universal Life Insurance For Key Man coverage. This is because key man insurance is permanent life insurance, so it can cover a long career! It can also build a decent cash value and provide an asset for a company to fund retirement. Since it is life insurance, it probably comes with some tax advantages, and since it can build a cash value, it is an asset!
Learn more about Key Person Life Insurance Universal Life Rates, and also get a fast, safe, and free No Medical Life Insurance Quotes.
Many business owners look at Universal Life Insurance For Key Man coverage. This is because key man insurance is permanent life insurance, so it can cover a long career! It can also build a decent cash value and provide an asset for a company to fund retirement. Since it is life insurance, it probably comes with some tax advantages, and since it can build a cash value, it is an asset!
Learn more about Key Person Life Insurance Universal Life Rates, and also get a fast, safe, and free No Medical Life Insurance Quotes.
Universal LIfe Insurance Vs Whole Life Insurance
What is Universal Life Insurance?
We found a great article: What is Universal Life Insurance? Basically, universal life insurance is a type of permament coverage.
If coverage that combines a death benefit with savings or investing, then your next step will be to compare rates. Different companies do charge different rates, and your price will also depend upon your age, health, and zip code! A good agent can make your job easier because they will be current with the market today! However you can also find an Online Universal Life Insurance Rate Quote form for free. It is fast, safe, and BBB approved!
Term vs Whole vs Universal Life Insurance
Friday, January 18, 2008
Business Automobile Insurance
Do you need business auto insurance?
If you use your car for business, you may be taking a big risk if you rely upon your own personal call insurance policy. That is the message of MiniBiz on business automobile insurance for small and home business.
If you run a business, and you only use your car once in awhile to run an errand, and you drive, then you are probably ok. Go talk to your car insurance agent! However, if you use your car for business most of the time, or if other people drive your car, then you probably need to find out about commercial car insurance. More important, do you let your employees drive your car for business? Then you really open up a liability situation!
If you are concerned about the cost, compare small business auto insurance quotes here, or read more about home and small business auto insurance.
One other resource, of course, is the Business Insurance Store Commercial Car Insurance article.
Wednesday, January 16, 2008
Advantages of Group Health Insurance For Small Business and Home Business
Almost all business owners in the US think about the costs of health insurance, and small business health insurance is a particular hot spot! Many well meaning small business owners have to balance the rising costs of a group health plan against the benefit that it gives to their employees and business.
A great article on Mini Biz outlines the risks and rewards of group health, some alternative solutions, and how you can find out what the best plan would be for your own company.
Advantages include the ability of group health to attract and retain quality, loyal employees. Disadvantages include administration and cost. Most employees will want a good at-work health insurance plan unless they have coverage from a spouse. However, group health insurance is not the only way to help employees find coverage.
Another good website for information about business health insurance is the BusinessInsuranceStore.com.
A great article on Mini Biz outlines the risks and rewards of group health, some alternative solutions, and how you can find out what the best plan would be for your own company.
Advantages include the ability of group health to attract and retain quality, loyal employees. Disadvantages include administration and cost. Most employees will want a good at-work health insurance plan unless they have coverage from a spouse. However, group health insurance is not the only way to help employees find coverage.
Another good website for information about business health insurance is the BusinessInsuranceStore.com.
Monday, January 14, 2008
Burial Insurance For Seniors
Burial Insurance For Seniors
If you care for an older person, or if you are a senior citizen, then you have probably noticed ads for products called burial insurance or final expense insurance. These are actually small face value whole life insurance policies that are designed to be issued without a lot of health underwriting or credit checks.
Burial Life Insurance policies come in two types: Simplified Issue and Guaranteed Issue. Simplified issue policies provide an immediate death benefit upon issue, and do as some health questions. However they do not have strict health requirements, so most seniors can get one. If you can qualify for simplified issue that is a more affordable and better choice because it provides an immediate death benefit!
Guaranteed Issue Final Expense Policies do not ask any health questions. They use a waiting period instead of health underwriting. If the insured person survives the waiting period, usually 2 or 3 years, than the whole benefit is paid out to beneficiaries upon death. If the insured person passes away before that period is up, then the policy usually stipulates that premiums plus some set interest rate are paid to the beneficiary. If a person has serious health problems or is in a nursing home, this is the way to go. However, these guaranteed issue policies do tend to cost more, per $1,000 of coverage, than a simplified issue policy would cost.
Saturday, January 05, 2008
Catastrophic Health Insurance for Affordable Private Medical Coverage
Are you looking for affordable health insurance? Well, if you are having trouble finding low rates, especially if you have a pre existing condition, then you are not alone! However, in order to afford health insurance, you may have to accept coverage in a different way then you were used to getting it at work!
Look into a combination of Catastrophic Health Insurance and Supplemental Health Plans or Accident Plans to find plans that are easier to qualify for, cost less, and do not tend to incur as many rate increases!
If a $5,000 to $10,000 deductible turns you off, then maybe you haven't really had a good advisor explain your options. Think about saving $300 - $500 every month on your premiums, finding a supplement to cover the deductible for accidents or injuries, and even about setting up a tax deductible health savings account. In the long run, you may be much better off!
Look into a combination of Catastrophic Health Insurance and Supplemental Health Plans or Accident Plans to find plans that are easier to qualify for, cost less, and do not tend to incur as many rate increases!
If a $5,000 to $10,000 deductible turns you off, then maybe you haven't really had a good advisor explain your options. Think about saving $300 - $500 every month on your premiums, finding a supplement to cover the deductible for accidents or injuries, and even about setting up a tax deductible health savings account. In the long run, you may be much better off!
Thursday, January 03, 2008
Benefits of Whole Life Insurance
All of the buzz from financial advisors is about life insurance these days. For most people, term life insurance is much cheaper than whole life insurance for the same applicant and face amount. However, is cheaper always better? Apparently your financial advisor believes that is what you think! But I think you should take some time to compare the advantages and benefits of whole life insurance before you commit to a long term contract.
Whole life insurance does cover you for, well, your whole life! Term life insurance expires after a period of years, possibly just when it is difficult and expensive to obtain coverage. But maybe not at a time when you have outgrown your need for life insurance.
Compare Term Life Insurance Vs Whole Life vs universal life insurance!
Whole life insurance does cover you for, well, your whole life! Term life insurance expires after a period of years, possibly just when it is difficult and expensive to obtain coverage. But maybe not at a time when you have outgrown your need for life insurance.
Compare Term Life Insurance Vs Whole Life vs universal life insurance!
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