Asia Travel Insurance - Don’t Forget the Credit Card
When traveling to Asia everyone recommends that you have travel insurance when you come, this is especially true for Cambodia, Vietnam and Thailand. Trying to find the right travel insurance plan can be a daunting exercise, especially if you seek adventure in your holiday travel diet, like mountain trekking, parachuting, riding 50cc motorcycles, scuba diving, and traveling on small boats. Most holiday travel specific insurance plans will allow some limited adventure activities, like 14 days of scuba diving, but they put restrictions on it, and unless you are an expert, chances are good that you could end up in a loop hole, and be denied coverage.
In the US if you’re employed, and you have group insurance through work, the coverage will more often cover the high risk stuff that will not be covered by specialty travel insurance. The group work insurance companies can afford to do it, as the risk is spread over a much larger group, with more people in a class, and most will not be doing fun stuff! So keeping your regular insurance when traveling, if you can, is a good idea. Most employers, if you are on sabbatical, or just on a long vacation, will have a way for your insurance to continue if you pay the premiums. Talk to your human resources department about this, they love to talk about stuff like this. If you lose your job, you may also be able to continue the insurance under the Cobra laws, a very good thing for you to look at closely when you are telling the boss to stick it.
Most people in the dive industry will tell you that DAN Master Insurance or DAN Preferred plan, are the preferred scuba diving specific policies, as they will cover you regardless of the depth. These policies cover evacuations, recompression which can be up to 25thousand USD and DAN knows where the recompression chambers are, and the fastest way to get you there, safely. The DAN Insurance will also cover you while you are on vacation more than 100 miles from home, this includes their evacuation coverage, So you might consider getting it even, if you are not a hard core diver. DAN understands divers needs better than a regular insurance company, as they are a non profit organization dedicated to diver safety and dive research, and a dedicated 24 hour hotline and they can really be a lifesaver when you need the expert help as they have doctors on the end of the line that are used to talking to people in emergencies all over the world, and these DAN policies for the coverage they provide are very cheap for the value you will get. The DAN Insurance is meant as a secondary coverage, so keeping your work insurance valid is a good idea. I have heard of dive companies in the US hiring their instructors as independent contractors, and telling them to get the DAN Insurance, to avoid the costs of Workman’s Compensation afforded to workers covered under the Jones Act.
Credit Cards for insurance?
We have seen people refused time and again by the hospitals to accept travel insurance in South East Asia, especially Cambodia, Some of the major hospitals like Bumrangard in Bangkok will accept, but for most it is cash only, and then they will fill out the forms with you to get you reimbursed, by your insurance company, which as you can probably guess, will take a bit of time and who by the way will usually require that you provide the translation as well, so get it done where you are here, rather than bringing it home to a surprise translation bill as well. I suggest that everyone bring a credit card, with lots of limit, and a pin number. Cash is the best thing to have on your side in an emergency and a credit card is the safest way to carry it. Believe me, your best bet in an emergency is to get to Thailand or Singapore, and then back to your home country, or to some place that understands dive medicine, as quickly as possible, and not having enough ready cash can slow you down. Some credit cards have evacuation benefits if you are hurt while traveling, they might also have some legal help as well.
Some high end, and travel specialty credit cards, sometimes will have some coverage as well for other travel related stuff that can be useful, like getting your stuff replaced if it is ripped off, not a bad thing to review or consider when applying for a credit card.
At the end of the day the best insurance is not to get hurt, so please keep your brain switched on, and easy on the booze. A large number of accidents happen while under the influence, make sure that you are not one of them.
Fred Tittle has lived in resorts his entire life, from the famous Lake Geneva Playboy Club , Aspen Colorado where he was a rock jock for KSPN FM, Waikiki on Oahu in Hawaii and now as a owner of EcoSea Dive in Sihanoukville Cambodia where he teaches PADI and SSI Scuba Diving and runs adventure tours. Fred’s new project CheapCharliesHotels.com CheapCharliesHotels.com is basically an excuse to travel more. His main website is ecosea.com ecosea.com
Getting the Best Cosmetic Surgery in San Francisco
Beauty is one valuable asset any person can have. It definitely feels good to have the looks to brag about and the features that will make you feel confident wherever you may go.
Of course, beauty is generally about aesthetics. It has a lot to do with what people can see and how they will perceive an individual. However, this concern for beauty can also be more than just aesthetics. It can also be about developing a more positive outlook of the self.
Not every person in this world has been gifted with confidence. Thus, there are some who can barely survive each day without feeling sorry for themselves. Being able to develop some better physical feature can actually help one feel good and more confident. It can broaden further the horizons and allow one to develop into a better person and this is where cosmetic surgery can best serve its purpose.
Cosmetic Surgery and Living in San Francisco
Given the points above, you can very well consider how much a simple physical enhancement can change the life of an individual.
Now, imagine how much more this need can be more demanding when one lives in a society where everyone is beautiful. Just imagine how much cosmetic surgey can help a person in a place like San Francisco.
Many people might feel pressured to be beautiful in such a city. San Francisco is one of those places where you can find celebrities and models traversing the street or shopping alongside you. If you do not feel good enough, then it is time to consider your options. Be beautiful through cosmetic surgery and walk confidently in San Francisco.
Considerations in Having Cosmetic Surgery
Many people would attest to how significant a cosmetic procedure can be to a person. There are many success stories of ugly ducklings turning into beautiful swans. However, it is best to always keep yourself informed of the whole story. This way you can properly prepare yourself for anything.
1. Evaluating the Costs
A simple cosmetic procedure can cost a good amount. The price can get even more substantial as the procedure needed gets more serious and complicated.
Consider that you are not simply paying for the medicine and instruments. You also have to take into account the professional skills of the doctor. The recovery period will also require some time spent in the premises of the clinic.
These are the factors that will cost you money. Thus, estimate properly and prepare your budget. Cosmetic surgery cannot come for free, especially in places like San Francisco.
2. Bearing with Initial Discomfort.
Undergoing cosmetic surgery will also entail some degree of discomfort initially. As such, discuss properly with the doctor the procedure that he or she plans to do for your situation. There might be certain consequences that you have to be informed of ahead of time.
It may be something that requires certain adjustments. It is not only you who will be involved. Your friends and family may also want to be involved in this decision.
Weigh these factores when you evaluate your options. This way, you can easily ascertain if cosmetic surgery is really for you or not.
3. Getting the Right Surgeon
Deciding to enhance your physical appearance must also involve a lot of research on your part.
There are many cosmetic surgery options for you in San Francisco. Competent doctors abound in the area. They could even be the same ones who cater to your favorite celebrity or model.
Ask friends who have successfully undergone cosmetic surgery themselves and ask where in San Francisco they were able to find their perfect doctor.
Undergoing cosmetic surgery procedure is a serious decision that you have to make yourself. Just know your options and evaluate them properly. Do what will make you happy and be one of the beautiful residents of San Francisco.
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Reduce Your Health Insurance Premiums for Individuals and Small Businesses
HEALTH INSURANCE COSTS TOO MUCH
You were having a nice day. Then you got a notice that your individual health insurance rates had just been increased - a lot! You cannot believe that the insurance company expects you to fork over 20 to 40% more for your monthly premium next year. Will you have to take the drastic risk of going without health insurance?
Or maybe you’re a small business owner who is trying to do the right thing for your employees. Your agent just called to tell you that since one of your employees just had surgery, the rates for everybody in your entire business would be increased by a double digit percentage. You want to do the right thing for your employees, but this increase might mean you have to lay somebody off or drastically slash everybody’s benefits.
What can you do?
Of course, the easiest thing you can do to cut your premium is to increase your deductible, reduce your benefits, or shoulder a higher copay amount. The less risk that the health insurance company incurs, the less they will charge you. However once you take that step, you may not be able to replace your old benefit level without incurring additional underwriting. Also, if you do get sick or have a serious accident, you may not have saved any money at all in the long run!
Is there an antidote for high health insurance premiums?
Well, of course, I have a couple of suggestions. You might consider raising your deductible and adding an accident and illness indemnity plan. A few thousand dollars in case of a fracture, or several thousand dollars in case of a serious illness can pay deductibles, and help you to meet expenses while you’re not working. The sorts of plans are usually inexpensive anyway. Some companies will guarantee rates for a longer period for insurance plans with high deductibles or specified benefits.
One other benefit you may reconsider are doctor copays. Sometimes this option can raise your premium by 25%, and if you only go to the doctor twice a year, it really doesn’t save you any money. Determine what the copay option really covers - just the doctor, or the doctor and lab tests. Many just cover the doctor visits, and lab work is extra anyway.
What if you don’t want to cut your benefits?
If you don’t want to cut benefits, consider shopping around. It is so easy to compare insurance companies and get quotes these days. A few minutes in front of your computer screen should give you a very good idea of available options.
When you buy health insurance, you look at price and benefits. When an insurance company looks at you, they consider your health, age, and even your credit score! Different companies have different standards, and you may be able to find comparable coverage for less money. When you do shop, make sure you do your research, are aware of pre-existing conditions, and consult some qualified agents. Health Insurance Agents should be aware of different company policies, and they should lead you in the right direction.
Marilyn is a Licensed Insurance agent who publishes her own online BLOG and website in order to answer consumer questions.
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How Much Do I Need? A Brief Education on Life Insurance
Life insurance is one of the most important purchases a person can make. Not only can life insurance help your dependents – beneficiaries – in the event of your death, but it can help you and your dependents while you’re still alive. For example, if you find yourself in financial stress, you might be able to cash in your life insurance policy, depending on the kind of life insurance policy you have and the company from which you’ve purchased the policy.
Most people’s education on life insurance goes something like this: you buy a policy and your family members will get some money when you die. This is a haphazard way of looking at life insurance. No one should ever blindly purchase life insurance. Everyone should first evaluate their financial needs, and the needs of their beneficiaries, before deciding the amount and type of life insurance to purchase.
When you start thinking about purchasing a life insurance policy, you should first look at your assets. Are you wealthy enough to help with the bills you leave behind? If you are, you might not need a large life insurance policy. The money you leave behind may be enough to cover funeral and burial expenses as well as other bills such as estate taxes. Do you have enough money to cover lost income should you become unable to work? If you don’t have enough to act as a supplemental income, you may want to purchase a larger life insurance policy.
Then, take a look at your beneficiaries. How many do you have? Do you have a spouse? How many children? Are you supporting an aging relative? The answers to these questions will help you ultimately decide how much life insurance to purchase, because regardless of how wealthy you are, or how much money you have saved, if you have several dependents, or just one or two elderly dependents, every penny helps once you’re gone.
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Getting the Right Motorcycle Insurance
Motorcycle’s hold a special place in the heart of any one that’s ever owned one. There is something almost magically more special and cherished about a motorcycle than any car could muster. You never forget your first and your always looking forward to your next ride no matter how trivial the journey.
Unfortunately being careful out there in the big wide world just isn’t enough to get you through. Many bikers feel persecuted by many different factions of the establishment & society. Coupled with the ever rising cost of motoring for many motorcycling is not just a hobby but a financial transportation necessity.
Because of the inherent risk of motorcycling, usually brought about by car drivers in there cocoons’ biking is a risk that needs to be insured properly & thoroughly. As many have experienced when you have to make a claim it can be a long and drawn out affair lasting years and often incurring medical expenses, time off work and a whole bunch of hassles that can often be covered by a good insurance policy.
Many policies now include legal cover, breakdown (recovery) cover, uninsured driver protection, riding in Europe, protect No Claims Discount (NCB) and so on. Its best when trying all the different companies to get your self a good quote but to also see what else the insurer has to offer, legal cover is widely regarded as the normal thing to take out with any policy and many industry leaders are asking that it become compulsory. Breakdown cover is offered with a lot of policies at a cheaper rate than you can get from the Clubs (AA™, RAC™, Green Flag™ etc.) So it is essential when hunting for quotes to find out what is offered with any policy.
Another thing that must always be asked is what will the ‘Excess’ be? If the bike gets damaged or stolen how much of the bill does the owner/rider have to pay? Some insurers will let the policy holder raise the ‘Excess’ and give a cheaper policy in return just be aware that when it comes to the ‘Crunch!’ the rider may well have to reach that bit deeper in to their pocket.
There are of course different types of insurance whether it’s ‘Third party only’ ‘Third Party Fire and Theft’ or ‘Fully Comprehensive’ if the policy purchaser is not sure of the differences then ask the insurer giving the quotation to explain. The differences financially are not huge but the returns should a claim need to be made most certainly can be. Check to see if it is possible to protect NCB (No Claims Bonus) as you wouldn’t want a small accident like dropping a bike on the driveway ruining say six years of hard earned NCB!
If the bike is modified from the manufacturers original standard you will be obliged to tell your insurer, this way should a claim be made they can give you a fair value of the bike and any extra’s. Otherwise the insurer may well say that in the event of a claim being made that the bike was not as described in the policy and could end up with difficulties proving the bike is insured and getting a claim processed. Honesty is definitely the best policy when obtaining a policy.
All Insurers will usually ask where the bike is kept is it on the road or in a garage etc. also what security is installed on the bike. So if the bike has an alarm, a chain and/or ground anchor, Smartwater™, Alpha-dot™, a Tracker™ or other security device be tell the insurer as these may be able to reduce your policy premium.
As with any contract taken out always take time to read the ‘small’ print and if in doubt about anything ask the insurer in question. A little time taken now could save a whole lot of time later.
When sitting down and obtaining insurance quotes it can be handy to have a pen & paper and make notes of all the policies available different premiums, perks & excesses. Who includes legal cover, breakdown cover and more importantly which insurers don’t?
For a range of UK Motorcycle insurers
Rental Home Budgetting Tips
Taking a vacation is supposed to be relaxing, but how relaxing can it get if you wind up worrying half the time about how much the trip is eating into your budget? Not very, huh? One of the best ways to help you cope with a long vacation is to rent out a vacation home.
These are especially popular in the state of Florida. Florida has dozens of attractions for vacation goers, from the world famous Disney land to beaches renowned for surfing. There are also underwater caves and military shipwrecks for scuba divers, coral reefs for snorkelers, and the entire state is teeming with wildlife preserves for nature lovers, especially the unique and loveable sea cows. Then of course there’s the military city of Pensacola, which will draw military enthusiasts. The list goes on and on…
Because of the huge number of sights to see, vacation homes have come into vogue in the state. Hotel rental rates are okay, but some vacation goers take long duration tours down in Florida that last weeks and even months, and paying for hotel booking for this long a stay can be detrimental to your finances. House rentals are definitely the way to go for these long, well deserved breaks.
Now, when canvassing for a house rental in Florida, you have to keep several things in mind to keep your expenses down while still getting the most out of your money. One of the first considerations is the location of the house. Know which parts of the state you’ll be visiting most often, and find a suitably located house to rent in the vicinity. Also keep in mind that the closer a house is to a tourist “hotspot” like Disneyland, the higher the rental rates will go.
So, if you can’t swing a cheap place near your destinations, then the next step is to break out a map of the area and look for major thoroughfares that will allow you to get to those places with minimum traffic and distance covered. Remember that you’ll probably be driving to most of these places, so keep an eye on your gasoline budget too.
Once you’ve located a moderately good place to stay, start looking for rental houses in the vicinity. The best places to look are the Internet and classified ads. While travel agencies may also be able to help you book a good house, remember that these agencies operate like any other business, and will most likely be taking their own percentage for “referring” you. To avoid this extra nick on your wallet, do your own scouting.
Compare the prices for the places you’ll be considering. When you call those people, remember that some rental groups and individual house owners may be willing to cut you a smaller daily rate if you plan on staying longer. These small percentages can go a long way towards easing your mind if you’re planning to stay long on vacation with your family anyhow.
Check out the security and living conditions of the neighborhood the house is located in, too. A call to the local town management offices will give you an idea of how tight security is in that neighborhood. This is an important factor to consider. After all, it might save you money to get a cheaper house rental, but if the neighbors wind up running off with your hubcaps, well, you get the picture.
Also look into the furnishings of the house; sometimes, there are “added” charges for some features that the house has, like a swimming pool or a game room. IF you think your budget can handle these luxuries, go ahead and enjoy the fruit of your labors! But if you know that you’ll be spending most of the time soaking in the jaccuzzi worrying about how you’ll be paying for these extra amenities, then try to find a place without them.
Overall, it just becomes a matter of perspective. Finding a good rental house is definitely much cheaper for long stays than getting a hotel room, but the best ones with the nicest amenities will still be quite pricey. Even then, remember that the main point of taking a vacation is to spend time with your family and for you all to enjoy yourselves. Without having to pawn a leg or sell off a kidney…
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Auto Insurance Explained in Simple Terms
Auto insurance, is insurance that you purchase for your cars, trucks, motorcycles and boats etc. It provides you with protection from losses that may incur as a result of a car accident. While this may sound simple enough to understand there are many types of auto insurance policies available to you and it can be rather confusing. Your coverage level and types will vary depending on the policy that you choose. In general, these are the most common types of auto insurance programs available to you:
The Different Auto Insurance Coverage Available
Collision Coverage: insures your vehicle against repairs if the vehicle is in an accident or the cost of purchasing a new vehicle if yours is damaged beyond repair.
Comprehensive Coverage: insures your vehicles against the cost of purchasing a new vehicle should yours be stolen or destroyed in a fire.
The Different Auto Insurance Coverage Protection
Personal Injury Protection (PIP) – insures against medical expenses and lost wages related to ownership or maintenance of a vehicle. This insurance is mandatory in most states, but not all so be sure to research your state requirements prior.
Medical Payments (MP) – insures against medical expenses for bodily injury sustained in an accident that is beyond any of the expenses that are covered by personal injury protection (PIP).
Legal liability claims against the owner or driver of the vehicle causing damage or injury to a third party involved in an accident. Liability Insurance only covers legal liability.
Comprehensive Insurance covers PIP, MP and legal Liability. In the U.S. liability insurance covers claims against the policyholder and also that of any other operator of the insured’s vehicle. If any other operators reside at the same address, they must be additionally covered on the auto insurance policy.
Comprehensive Insurance covers most details of damage which can affect the car, the driver, there is risk associated with buying a new car that is not covered even by comprehensive insurance. Basically, once the car is bought, there is a decline in the cars total value. During this period the remaining car payments exceed the value of the vehicle, thus making the compensation the insurer will pay for a totaled (destroyed) vehicle. To help with this scenario the insurer can purchase GAP insurance. GAP insurance will cover these costs. GAP insurance was established to provide protection to consumers based on the buying and market trends.
As you can see there are many different auto insurance considerations when picking a new insurance policy. Be sure you understand them all in detail and that you have the best coverage for you, your car and your family should you need it if you get into an accident. Also keep in mind that these are general guidelines and the laws may vary within your state so ask questions!
Brooke, the owner of getcarinsurancenow.com Get Car Insurance Now specializes in getcarinsurancenow.com Auto Insurance and getcarinsurancenow.com Car Insurance Quotes to help you save money and keep you, your car and your family safe on the road. Visit us today!
Are You Looking For A State Farm Home Owner Insurance Quote
It’s no secret that State Farm Insurance is a huge insurance company in America. State Farm Insurance offers automobile, life, health, disability, long term care, business, boat, farm and ranch, volcano damage, personal, and community organization insurance policies. Of course, they offer home owner insurance as well, which branches out to mobile home owner insurance policies, renter insurance policies, and condo owner insurance policies.
So, if you’re looking for a State Farm home owner insurance quote, it’s probably safe to say you’re going to be in good hands. You can obtain a State Farm home owner insurance quote online, or you can search for your nearest State Farm home owner insurance agent by providing your home state and zip code.
Aside from being able to obtain a State Farm home owner insurance quote online, or being directed to your nearest State Farm home owner insurance agent, State Farm Insurance also offers you the ability to manage your insurance policies online, make payments online, and file claims online – all regarding your State Farm home owner insurance policy.
State Farm Insurance also provides information to help you better understand the worth of your home, how to safeguard your home by taking a look at your home’s roof and creating a disaster survival kit, and even offers a “Free Property Information Organizer.” Most of the little extras that State Farm throws in are all available via State Farm software, which makes these useful resources even more user friendly.
Choosing to get a State Farm home owner insurance quote is a safe way to go when searching for a home owner insurance quote. Plus, the helpful perks make getting a State Farm home owner insurance quote even more appealing. So, when you’re looking for a State Farm home owner insurance quote, you will likely get more than you bargained for – even if you decide not to purchase a State Farm home owner insurance policy!
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Why Life Insurance Should Be Part of Your Estate Planning
Estate planning is about making sure you take care of your spouse and family should you pass away. Life insurance plays a critical role in assuring their comfort.
Most people view life insurance as a one dimensional tool. They know and understand its value as a means of replacing the lost income of the policy holder for a certain length of time after his death. It is a means of protecting the family and dependents from financial disaster in the case of untimely and unexpected death. Fewer people have learned of the use of Life Insurance as an investment instrument that is capable of supplementing other elements of a comprehensive retirement plan.
Even fewer people fully understand the value of life insurance in estate planning. Life Insurance is a tool that can be used to transfer wealth from one generation to the other in a manner that minimizes the amount of that wealth lost to taxes. There are several ways that this can be done and it makes your Life Insurance agent a partner in the estate planning process in the same manner he is a partner in your personal finance planning and investment planning.
The basic death benefit from an insurance policy often makes up a large portion of the estate of the deceased person. This is why the taxation implications and the selection of beneficiaries is an important element. It also illustrates how all of the various financial planning areas must be coordinated. The basic life insurance policy will play a role in both financial planning and estate planning. It also might very well figure in retirement planning.
One example of how life insurance can play a creative roll in the transfer of wealth while minimizing taxation is the use of the $10,000 tax free yearly gift allowance. It is possible to make a yearly tax free gift to a child with the intention, but not the requirement, that the money is used to pay a premium on a life insurance policy. The life insurance policy is just about the only investment vehicle where the full amount of the return is available from the first day of the investment. You can imagine how much life insurance can be purchased for a premium of $10,000 yearly. The full amount of this policy represents wealth that is protected from taxation.
There is no question that your life insurance agent can be a trusted partner in the estate planning process. The ability to transfer control of your policy to a Living Trust and the investment and taxation implications for your beneficiaries are just two examples of the kinds of estate planning questions that you will need the guidance and advice of an insurance professional to answer.
Get more ufcamerica.com/estate-planning-info estate planning info at UFCAmerica.com.
What is an In-Force Life Insurance Policy?
Financial reports often make reference to in-force Insurance Policies. What is an in-force life insurance policy?
In-force Insurance refers to the total dollar amount of insurance that has been issued by the company. It is usually measured as the sum of the face value of the policy plus the dividends that have been issued. This is an important figure for several reasons. The face values of an Insurance policy actually represent potential payouts. Often, when reviewing a financial report, we are told the total assets of the Company. When we hear that an Insurance Company has 1 trillion dollars in In-force Insurance Policies, we might be tempted to view that as an asset.
This is not true. The Insurance Company has assets, of course, like any other Corporations, but the In-force Insurance total is not included in them. It is also not a liability. It is a separate figure that is not involved in the basic balance sheet of the Company. The dollar amounts exist only as potential.
Still, the figure is often used when discussing the size of an Insurance Company. It could be viewed in this respect as more of a sales figure than anything else. An Insurance Company is in business to sell policies so the In-force figure would represent success in their sales efforts. An online information source lists MetLife, a major Insurance Company, as having over 2 trillion dollars in In-force Insurance.
While this figure obviously marks MetLife as a major Insurance provider that figure does not have a lot of meaning when standing alone. It indicates a lot of sales success, but does not necessarily indicate financial stability or investment expertise. When you are going to attempt to rate an Insurance Company, those two areas would be a bit more telling in your analysis.
While the In-force Insurance Policy figure is often impressive, it does not have a lot of impact on the ratings of Companies given by the major rating companies. Remember that Insurance is one of the most competitive of all financial services. Competition always tends to benefit the consumer and this is certainly the case in Life Insurance. This benefit can only be realized by an informed client, however. Your Insurance Agent will be able to give you a lot of figures and offer a lot of different packages to meet your Insurance needs. If you are armed with a bit of knowledge such as the relative merits of the In-force Policy total, you will be better able to make the right decision.
Barry Waxler is a ufcamerica.com/san-diego-finacial-planner San Diego financial advisor with UFCAmerica.com.
