Over a million Americans were laid off in the last 12 months, and so many US consumers are nervous about their income. In fact, a loss of income accounts for more than 1/2 of home foreclosures, and that is more than any other reason, including an increase in interest rates. If people have an income, than most of the people find a way to pay their most important bill: the one they need to pay to keep their home. If people have no income, they just have no way to pay their mortgage.
Layoff Insurance - or supplemental unemployment insurance - provides cash payments for people to supplement the state benefits they may qualify for. Because it pays in cash, it protects the consumer, and not just a loan company like most mortgage payment or credit payment insurance.
If you are an insurance agent or webmaster, and need a great insurance affiliate program, look into helping people find this valuable protection.
Friday, August 29, 2008
Saturday, August 23, 2008
Compare Obama Health Plan vs McCain Health Plan
Now that the election is getting close, I want to discuss one of the issues I care about a lot, and that is the plans for reforming US health care. After all, aren't we still the country with almost 50 million uninsured citizens (not to mention the 100 million with our a dental benefit!). This is a problem, and I'd like to address the Obama vs. McCain stand on Health Care. (Of course, I still miss you Hillary, and think things will just be so damn boring without you!).
Barack Obama’s plan for better health care in America is to provide quality, affordable and portable coverage for all. He plans to make available a new national health plan to all U.S. citizens, which will include the self-employed and small businesses. Some of the features his plan include:
Guaranteed Eligibility. This will allow sick people (with recent and pre-existing conditions) to obtain health care.
Comprehensive Benefits. This is similar to the package offered through Federal Employees Health Benefits Program. It will cover all necessary medical services, which include preventive, maternity and mental health care.
Affordability. There will be lower premiums, co-pays and deductibles.
Simpler paperwork and reined in health costs.
Public Plan with simple enrollment and ready access to coverage.
Portability and Choice. People enrolled in the new public plan and the National Health Insurance Exchange (another Obama plan) will be able to move from job to job without jeopardizing insurance coverage.
Quality and Efficiency. The health insurance companies participating in the new plan will be required to report data to ensure that standards for quality are met.
John McCain intends to increase the variety and affordability of health insurance to families in America by fostering innovation and competition.
This is how he plans to do so:
By reforming tax code to eliminate the bias toward employer-sponsored health coverage and providing everyone with a $2,500 tax credit; families will receive $5,000. This will increase incentives for health care coverage.
Allowing families to purchase health care insurance nationwide to maximize choices and heighten competition.
Providing multi-year coverage that moves with you from job to job and from home to home.
Requiring states with Medicaid to develop a financial risk adjustment bonus to high-cost and low income families that will supplement tax credits and funds for Medicaid.
Allowing people to purchase insurance through any organization or association of choice (i.e. churches, employers, individual purchases, and professional associations). The policy chosen will be available to small businesses and the self-employed; and will be portable across jobs. It will also automatically bridge the time between Medicare eligibility and retirement. Certification and rigorous standards would have to be met before plans are approved.
.... What do I think?
McCain's plan still isn't helping high risk patients who cannot qualify for individual health insurance,
Barack Obama’s plan for better health care in America is to provide quality, affordable and portable coverage for all. He plans to make available a new national health plan to all U.S. citizens, which will include the self-employed and small businesses. Some of the features his plan include:
Guaranteed Eligibility. This will allow sick people (with recent and pre-existing conditions) to obtain health care.
Comprehensive Benefits. This is similar to the package offered through Federal Employees Health Benefits Program. It will cover all necessary medical services, which include preventive, maternity and mental health care.
Affordability. There will be lower premiums, co-pays and deductibles.
Simpler paperwork and reined in health costs.
Public Plan with simple enrollment and ready access to coverage.
Portability and Choice. People enrolled in the new public plan and the National Health Insurance Exchange (another Obama plan) will be able to move from job to job without jeopardizing insurance coverage.
Quality and Efficiency. The health insurance companies participating in the new plan will be required to report data to ensure that standards for quality are met.
John McCain intends to increase the variety and affordability of health insurance to families in America by fostering innovation and competition.
This is how he plans to do so:
By reforming tax code to eliminate the bias toward employer-sponsored health coverage and providing everyone with a $2,500 tax credit; families will receive $5,000. This will increase incentives for health care coverage.
Allowing families to purchase health care insurance nationwide to maximize choices and heighten competition.
Providing multi-year coverage that moves with you from job to job and from home to home.
Requiring states with Medicaid to develop a financial risk adjustment bonus to high-cost and low income families that will supplement tax credits and funds for Medicaid.
Allowing people to purchase insurance through any organization or association of choice (i.e. churches, employers, individual purchases, and professional associations). The policy chosen will be available to small businesses and the self-employed; and will be portable across jobs. It will also automatically bridge the time between Medicare eligibility and retirement. Certification and rigorous standards would have to be met before plans are approved.
.... What do I think?
McCain's plan still isn't helping high risk patients who cannot qualify for individual health insurance,
Saturday, August 16, 2008
Better Car Insurance Quotes
If you are shopping for a new car, you need to make the car insurance premium part of your budget plans! Consider adding a $100 a month car insurance premium to a $300 a month car loan payment, and you can see that insurance can be 25% or more of the total costs!
To get the best car insurance quotes, we suggest using an online quote form. This is because rates are local, and also because rates depend upon other factors that apply to you like your age, driving history (or lack of one), and even the type of car you plan to drive!
Comparing insurance online will allow you to compare the rates and plans of top rated insurance companies that do business in your area. And it will allow you to do it quickly. Many people report saving 50% or more by using an online quote form. You will also be able to find auto insurance discounts that you may be qualified to earn, but may not have known about!
To get the best car insurance quotes, we suggest using an online quote form. This is because rates are local, and also because rates depend upon other factors that apply to you like your age, driving history (or lack of one), and even the type of car you plan to drive!
Comparing insurance online will allow you to compare the rates and plans of top rated insurance companies that do business in your area. And it will allow you to do it quickly. Many people report saving 50% or more by using an online quote form. You will also be able to find auto insurance discounts that you may be qualified to earn, but may not have known about!
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