Self-Employed and Buying Health Insurance? You’ve Got to Know This First!

August 28, 2009
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Being self-employed may be a “dream come true” for you.  You are your own boss and you have your time in your own hands.  However, that also means that no one else is going to take care of you but just yourself.  No one will remind you that you need health insurance (well, except for us here through this article).  And no one will tell you which insurance companies you should consider.  Nevertheless, you have the choice to do research and take responsibility for your health insurance.  Remember, it’s your health at stake.  If you get terribly ill and are not able to work, you’re going to watch your dream…

Uninsured Groups of Women in California

August 28, 2009
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Although California is a state that’s known for intensive propagation of women’s health, it is falling behind when it comes to health insurance access for women.  In fact, California got a “D” rating, a very low grade, for the said category.  California may be a reputable state health awareness-wise, but there are many uninsured women who reside in the said state, specifically:

* Women from the ages of 19 to 24 - 37% uninsured
* Women from the ages of 55 to 64 - many lost health insurance because of retirement
* Latinas - 35% uninsured
* Asians/Pacific Islanders - 28% uninsured
* Women of Black race - 25% uninsured
* Immigrant women - 47% of…

Professional Employee Organizations Offer Attractive Benefits to Employees

August 26, 2009
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Nowadays, people not only look for high-paying jobs, but also for high-benefit jobs.  Professional employee organizations (PEOs) often offer a growing source for benefits, employment-related services and human resources expertise.  For that, employees become more motivated to go to work.

The National Association of Professional Employee Organizations has provided us with some PEO industry statistics. Here they are:

* Number of PEOs in the United States: approximately 700
* Average length of a PEO contract: 1 year
* Average number of employees for a PEO client: 16
* Number of states that require PEOs to be licensed: 20
* Average number of Americans co-employed by a PEO: 2 to 3 million
* Average gross pay per employee:…

Payment Options for Insurance Premiums

August 25, 2009
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You always hear people saying “don’t sweat the small stuff” and that same advice applies to buying insurance.  Since a tough competition is out there for insurance companies, you will surely find a good deal with just a little patience and know-how.  But when that is over, the big stuff comes in: paying for your insurance policy’s premium.  It’s already cliché to say that nothing in this world comes for free, but we have to make you realize that again in case you have already forgotten.  An insurance policy comes at a price.  Now that’s not a small stuff and you might have to sweat it a bit to pay…

Budgeting Tips for Newlyweds

August 24, 2009
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Whether you are married or are still planning to get married sooner or later, it would help you to know these things that you should expect and be prepared for about married life.

Financial problems are inevitable for married couples.  Actually, it must have been also unavoidable when you were still single.  Money problems are ever present.  And it would not help to just rant about them, but instead, we must be able to cope with them.  That’s why a married couple needs to know how to budget money and pay bills. It is a great responsibility, that’s why both a husband and a wife need to know how to help…

Informed Insurance Decisions Go a Long Way

August 23, 2009
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If you are one of those people who made an impulsive decision about their insurance and you bumped into this article, then lucky you; you can now start making some changes, if not some damage control.

Nothing is constant in this world but change.  Yes, many things change everyday.  It could be that only yesterday you were feeding only yourself, but today you are feeding two—you and the fetus in your womb.  You might have a lower paycheck yesterday, but a higher one today—or vice versa.  Just as these things change, insurance also does.  These kinds of changes in circumstances and responsibilities can significantly affect your family’s insurance requirements.  You must…

Why Hire a Home Inspector Before Buying that House

August 23, 2009
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Before you finally purchase a home, you must first find out if it is in good condition.  You might end up with regrets once you are already living in it and you find in it molds, termites, damaged roof, leaking pipes and others that you have never imagined you’d find.

However, your profession might not have trained you in home inspection, so you really do not know where and how to look around the house that you are planning to buy.  Therefore, it is only smart to hire a certified home inspector to do the job for you.  He will find out for you if the house is in good condition…

How to Cancel a Health Insurance Policy

August 18, 2009
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When you have been with your health insurance company for quite a long time already, there will come a time when you will realize that their rates have already climbed beyond the level you can afford, hence it would only be better for you to start shopping for another health insurance policy with better prices before you finally cancel your current health insurance policy.

It is important to follow the correct cancellation of policy procedures so that you won’t have to get into any trouble in the process.  Remember, you are doing this to make things better for you, not worse.

The guide below applies to the termination of a health insurance…

Requirements for the Underwriting Process

August 18, 2009
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When you have already requested your term life insurance quote, determined how much to buy, taken your medical exam, what happens next after you have submitted your application and other pertinent documents?

The term life insurance underwriting process commences.

This article will give you an idea about what takes place from the time you submitted your application to the moment you receive your term life insurance policy in hand.

After you sign the application and it has already been returned to the life insurance company, underwriting begins.  During this process, your case is evaluated by an insurance underwriter.  He bases his evaluation on your answers to certain questions on your application, health and…

Do Your Pet a Favor and Buy Him Vet Insurance

August 18, 2009
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Is your best friend insured?  No, we’re not talking about your BFF since college or your office-mate.  We’re talking about Blackie, Brownie, or whatever it is you call your dog.  We’re sure he or she is your best friend and is already part of your family.  But just like us humans, your pet can get sick and veterinary bills could be just as expensive as our hospital bills, especially if your pet has chronic health issues, such as arthritis or asthma.

But even if your pet does not have any pre-existing health problem, sickness can arise anytime, and when that time comes, your best friend might even need a surgery for…