Monthly Archives: February 2018

Archive of posts published in the specified Month

Feb
28

Affordable Health Insurance – Things You Can Do To Help

The cost of health care is high and does not show any sign of becoming low in the foreseeable future. This has made affordable health insurance almost a dream for most people. However, there are ways you can reduce your costs. Some may require a readjustment in their lifestyles; others may require just a little discipline. Let's take a look at what we all can do …

Graves are usually dug with picks and shovels, however, a lot of Americans are digging their heads with their forks and knives. The percentage of Americans that are overweight is a little disturbing. If you're part of that overweight percentage, your policy is surely costing you more than your slim counterpart.

You can help yourself by watching what you eat and how much you eat. America, most of us eat too much. We could use (or rather, we'd be better off) just a fraction of our daily intake of food. It's worse if you factor in the intake of junk food and high carb foods. Things that we will all do better without.

Do not give me that look. You can help it. This article is not about how to do it (You can search for those online). I'm just telling you you can do it and that so doing will make your health insurance more affordable apart from helping you enjoy life better.

Please, quit smoking if you do want to live long and pay less on health insurance while you're alive. You can not use tobacco and expect to pay anything but very high premiums.

While you adjust your lifestyle and discipline your appetite, you can get the most affordable health insurance possible for your current profile by visiting quotes sites. I recommend that you visit at least three reputable ones.

Get and compare your quotes from these sites and you'll be surprised at how much you've saved on your plan. …

Feb
27

Service with Style – How To Impress Your Clients with a Serviced Office in Hong Kong

Image: https://upload.wikimedia.org/wikipedia/commons/1/18/Hong_Kong_Night_Skyline.jpg

Hong Kong is home to a thriving business environment thanks to free trade, low tax and minimum government intervention. Add to that modern infrastructure and excellent telecommunications, it has long been a draw for major corporations looking to exploit the Asian marketplace. It’s the world’s 8th largest economy with China being the city’s biggest trading partner. You’ll see all the major players from the corporate and finance sectors in Hong Kong’s central business districts.

All of these incentives also combine make it the most competitive economy in the world. This has driven office rental prices through the roof and the city also holds the title of the most expensive office rental prices in the world. This can be a massive barrier to getting a business off the ground in Hong Kong.

Serviced offices (www.servcorp.com.hk/en/serviced-offices/) can provide a solution to this barrier to entry to the marketplace, as well as making a lasting impression on prospective clients.

Service with Style

Serviced offices come fully furnished and ready for you to get to work in instantly. Servcorp offers 5-star unbranded office fit outs, complete with luxurious leather furniture and original artwork decorating the walls, complemented by their signature checkerboard granite floor.

There’s also a dedicated bilingual receptionist provided to manage your calls and greet your guests, creating an instant air of professionalism, sure to make a lasting impression on your clients.

Prestigious Locations

Servcorp’s serviced offices in Hong Kong are located in the best and most prestigious CBD buildings with incredible views over Hong Kong’s skyline. You can choose from there different locations, each one sure to suitably impress clients.

One Peking is an award-winning building shaped like a sail located in the Tsim Sha Tsui district, in Kowloon’s commercial hub. It’s also a green intelligence building that makes full use of natural lighting and energy saving facilities. If your business is eco and/or sustainability oriented this is sure to impress potential clients.

The Hong Kong Club Building is located in the heart of the aptly named Central district, the financial and commercial centre of Hong Kong. It boasts spectacular scenery and is located near many of Hong Kong’s landmark attractions.

Two International Finance Centre (Two IFC), is the tallest building on Hong Kong Island, which is the main financial centre of Hong Kong. This building has had a taste of fame as it was used in numerous Hollywood movies, the most famous being Batman The Dark Knight. That is sure to impress your clients when they come by for business meetings.

All these serviced office locations are conveniently positioned near all amenities you could ever need from shopping centres to restaurants and most importantly they offer convenient access to metro, bus and ferry transport systems, so clients can reach you easily.

State of the Art Facilities and A Professional Team of Staff

 

Serviced offices proved state of the art boardrooms and meeting rooms, with video conferencing capabilities, as and when you need them. Lightning …

Feb
27

Health Insurance For a Family – Find Out Your Options

Providing your family with the best health insurance possible is a must. The more kindly you insure your family, the safer they'll be. Even if everyone is in good health, accidents and illnesses can happen at any time. Health insurance for family members means that all of you will be protected in the event that something unexpected should happen.

As you're probably aware, however, there are countless insurance companies and plans out there. You may not know where to begin. If you're self-employed or unemployed, it may be hard for you to sort through all the different plans. You'll want to provide the best health insurance for your family, of course, but how can you tell which plan is the best?

To begin narrowing down your choices, you'll need to decide just who, exactly, you wish to insure. If you have no children, then you need to find a plan that will just cover you and your spouse. If you're unmarried and are taking care of a parent, you'll need to check into plans that cover yourself and a dependent. If you have children, then you'll obviously need to insure them.

Once you've decided how you're going to go about providing health insurance for family members, you need to decide what kind of coverage your budget will allow. Do any of your dependents have special needs? Is everyone relatively healthy? Is anyone visually impaired? If so, then you'll obviously need eye care coverage.

As you answer all these questions, you should read health insurance for family guides so you'll understand your options. There are many special programs out there that help out with low income families, so if you're on a tight budget, you need to find out as much as you can about special plans. …

Feb
25

Side Effects of Making Money Online at Home

Today most of us who work online and make money at home face many peculiar problems which are specific to those who work from home on internet. These drawbacks I think will take a large shape in next few years when most people in society will start working at home online. Earning money online at home which is today just beginning of a trend and most of its drawbacks are undiscovered and unstudied. This trend of working from home and earning money online can pose serious threat to our social structure other than a number of problems for individual at family level. Working from home on internet is like working in a virtual environment and virtual office, where everything that exists now may not exist tomorrow or even after a few minutes. These

1. No time for family or All time for family: All those who earn money working at home face this problem. It is very difficult to balance online work and family issues. There are times when there is no time for online work as one gets engaged in one issue after another at home, and it becomes really very difficult to concentrate on online work. On other occasions when an online worker is busy in some online project for hours and days he hardly finds any time for family. Although he is at home he isn’t aware of what is going on because he has developed a workplace, an office environment at home and whenever he is free he tends to think about his online work and earning money.

2. No time or place to relax : Home is a place called ‘Home sweet home‘ now if we are working full time in this place, within the space that was earlier meant for relaxation. Earning money and doing work often comes with stresses, which come and go but with ‘online work at home’ all these things happen in a place where we used to relax. During stressful period there is no time to relax, as the solution to the problem lies in more work and spending more time online. Next is the problem of place to relax, it is very difficult to find relaxation in the same place where you work even if its home.

3. No social interaction : When we earn money online by working at home, we hardly move out of the house, because if we are earning good money, we’ll like to work more and earn more money due to greedy human nature. On the other hand if we are not earning any money or are losing money then we will like to make some changes and improvements in our work, therefore we’ll spend some more time online at home. This means we don’t interact with society, we spend our time in online societies which are virtual. This is one of the major drawback which will bring a major change in social structure as people will work at home and spend …

Feb
24

How To Make Money By Giving A Free Course

Suppose you could give away free access to a course to anyone and everyone.

And further suppose that by giving away the course, you can make $10,000 a month.

Interested? Here’s how one bloke (we’ll call him Jim) is doing exactly that:

Jim created a large, comprehensive course aimed at newbies who want to start an online business.

Mind you, he didn’t create it from scratch. Rather, he took the best PLR he could find and repurposed it into a massive course that teaches people all of the main methods of online marketing, such as PPC, affiliate marketing, list building, flipping websites, Amazon, selling software, creating info products, blogging and so forth.

In the course, he includes the basics of each method and encourages his students to choose a method and get busy building their business.

Then for each method, he promotes an affiliate link for the ‘best’ in-depth course in each category.

Now pay attention to this next bit – he only promotes recurring courses. That is, membership type courses and sites that bill month after month.

So when he makes a sale, he’s going to continue to get paid on it for as long as that person remains a member.

It gets even better, because he also promotes related products such as web hosting, autoresponders and so forth. Anything that makes sense, works and bills monthly is a product he’s likely to promote.

And he doesn’t even stop there. He is also creating his own recurring courses on each topic. Once he finishes a course, he puts it online and then changes the corresponding affiliate links to his own course.

He likes to make each course a set length of time such as six to eight months, because he’s found the students tend to stay longer and pay more when there is an ‘end’ in sight.

And of course inside each of his own courses, he promotes corresponding products that help his students build their businesses better and faster.

He does all of this by first building trust with his list, showing that he knows what he is talking about, and being the reader’s advocate and teacher.

Creating the trust is crucial, and it’s pretty darn easy, too. When you tell your readers the good and the bad of any money making method, they start to trust you. Remember, most marketing emails for online business type products are only telling the subscribers how great something is. They don’t tell what’s not so great. But he always gives his opinion, both good and bad, and because of that people love him, trust him and pretty much do whatever he says to do.

So by the time he gets around to promoting affiliate links, his readers are taking his suggestions without a second thought.

I know he’s earning at least $10,000 a month with this method, and frankly he’s not working all that hard, either. The main thing he focuses on is continuing to bring new people into his free …

Feb
23

Where Can I Get Health Insurance Help?

Here is some good health insurance help for people who want to apply for a health insurance policy, but do not have any knowledge about health insurance. However, before discussing in detail about health insurance plans, let us observe why health insurance is important.

A need for health insurance plans has arisen due to rising medical costs. It is impossible for individuals to bear all expenses on their own during certain situations when unplanned health expenses creep into their budget. Therefore, it is necessary for people to opt for ideal health insurance plans.

Types Of Health Insurance Plans:

When individuals approach any health agent for health insurance help, insurance agents suggest four types of policies to them. They are as follows:

Major medical plan:

Major medical plans are those plans in which individuals need to pay deductibles to health coverage companies to obtain benefits. Deductibles are nothing but a part of the amount, which people have to pay while applying for a policy. Later, health insurance firms pay about 80% of medical bills and insurers have to pay the remaining 20% ​​of billed amounts.

Buyers may select any doctors to get medical services and pay fees to these doctors directly. However, they need to obtain a bill and furnish it to the insurance companies, who in turn reimburse 80% of the bill amount to the insured. This type of health insurance plan is a traditional health plan.

HMO plan:

An HMO (Health Maintenance Organization) is a type of health policy that focuses primarily on life long health care of the insured. This plan is more affordable than the major medical plan. People need to select their doctors from a list of doctors furnished by insurance companies. These doctors provide medical services to them. If required, they also co-ordinate with other specialists and hospitals, to provide the best available health service.

As a result, most people across the US prefer this type of health plan.

PPO health plan:

PPO (Preferred Provider Organization) is similar to an HMO plan. Health insurers refer in-network doctors and insured people refer their own out-network doctors. Here, people may choose in-network or out-network doctors as per their wish.

However, if people choose out-network doctors they will have to shell out a huge amount as fee because in-network doctors charge a reasonable amount. Whether insured people choose in-network or out-network doctors, health companies pay only 80% of the medical bill amount to insured people.

POS Health Plan:

POS (Point of service) health plan has properties of both PPO plan as well as of HMO plan. Here, people need to select the doctors reported by insurance companies. However, people may then seek treatment from out-network doctors after informing and taking permission from their in-network doctors. This plan is slightly more expensive than other health plans.

Thus, refer to this health insurance help and choose the best health plan to cover the medical bills so that the unexpected cost does not hamper the monthly budget. …

Feb
23

Still Insurable With Multiple Sclerosis

Trying to shop for life insurance when you have multiple sclerosis can be daunting. It helps to consult experts in life insurance for people with MS, so they can guide you through the process. But it also helps to know what the actual insurance companies look for when underwriting this type of policy.

What do life insurance underwriters look for when they determine the rating for someone with multiple sclerosis?

  • Type of multiple sclerosis. A person with Relapsing/Remitting Multiple Sclerosis is most likely to get a medically underwritten policy like someone of good health can get. The rates will be higher for people with multiple sclerosis, but rates vary widely from company to company. So it is very important to use agents experienced in writing life insurance for people with MS in order to get the lowest rate. There are several No Exam policies that work well for people with the Progressive forms of multiple sclerosis, as well.
  • When diagnosed. Most companies like to wait a year after diagnosis so they can see the pattern the person’s MS takes before making an offer. However, there are also policies that one can get shortly after being diagnoses with multiple sclerosis.
  • Symptoms. It seems that no two people with MS have exactly the same symptoms, and therefore underwriting life insurance for those with multiple sclerosis is complicated. The fewer the symptoms, the better the rate will be, and the more life insurance choices one has. Symptoms considered are: need of assistance for walking, depression, incontinence, nerve pain, memory loss, and whether one needs home health or institutionalized care. Whether or not you are capable of working fulltime is also a consideration for medically underwritten policies. There are policies to cover almost every symptom, so never assume you are uninsurable due to MS!
  • Treatment. Medically underwritten products are easiest to get by people who have had good results with Copaxone, Rebif, Avonex, and other approved MS treatments. However, there are policies for people with no treatment, all the way to people who have had a stem cell transplant.

It can be frustrating for people with MS to buy life insurance when they are able to do what anyone else does, yet still find themselves paying more than someone with no health problems. But even people with perfect health pay higher rates if they have a parent with heart disease. There is no way around paying more, but agencies that specialize in multiple sclerosis life insurance can help you pay a lot less.…

Feb
21

Car Accidents & Insurance Myths

Myth # 1. "I pay insurance premiums and if I am involved in an accident, I know my insurance company will take care of me …"

ANSWER : Insurance companies are not your best friends especially if you are involved in an accident, and it's not clear whether you are at fault or not. Remember, insurance companies are not in the business of paying claims, no matter what their advertising says. They are in the business of collecting premiums.

Myth # 2. My friend told me, "no-fault insurance means, it's not my fault"! Is this true? "

ANSWER : No, this is a false statement because no-fault insurance means that your insurance company pays for your damages regardless of who's at fault.

Myth # 3. "I do not need car insurance since I've never had or been involved in a car accident."

ANSWER : Wrong! If you've never been in an accident, you're very lucky. However, remember that an accident occurs every 10 seconds on our roads and highways and if by the unhunction chance you do have an accident you may lose everything. Not only is it required Car insurance is the best protection you can have in the event an automobile accident occurs. In addition, it is required by the State of Texas to have some basic form of auto insurance, and failing to do so carries some fairly strict punishments.

Myth # 4. "Since it was not my fault, I do not need a personal injury attorney even though I was injured."

ANSWER : Wrong! It is important that you talk to an attorney so that he can ensure you are aware of your rights and also not persecuted by someone else's lawyer.

Austin car accident attorneys will help you:

– Evaluate any bodily injury claim to determine the amount of money to which you are entitled;

– Speak with your doctors, obtain your medical records, and billing statements so that we can notify medical care providers as to what to bill;

– Have an investigator interview witnesses, take statements, and photograph the accident scene and your vehicle;

– Resolve complex issues and negotiate an overall settlement; and

– File a lawsuit, if necessary. …

Feb
21

Important Points to Ponder Before Buying a Health Insurance Plan

A health insurance plan is an essential part of financial planning in this era of skyrocketing medical costs. Medical inflation has been aggravating at its full spree which makes it all the more important to buy a Health Insurance plan which could sponsor the hospitalization and medical treatment bills or expenses.

It is important to evaluate and look for the following parameters to get a best health plan for you and your family.

1. Check for the Waiting Period Clause

You must be feeling care free after taking an insurance, but your health insurance comes with a waiting period clause for specific conditions. There is an initial period clause which says that any hospitalization claim will not be admissible in first 30 days of the policy commencement apart from accidental hospitalization. The pre-existing diseases or conditions are also not covered immediately after you purchase a policy.There is a waiting period ranging from 2 years to 4 years as per the plan conditions in the industry. Also, there are certain surgeries and treatments like hernia, cataract, joint replacement, etc. which can be rented after a specific waiting period of 1 or 2 years.

So, it is important to check the waiting period clause before you finalize the health plan.

2. Check for Sublimits

There are certain capping or sublimits in your health plan which says that the specific kind of expenses are paid by the insurance company upto a specific limit and beyond that the insured or customer has to bear them at his own. For example: Room rent charges are capped on per day basis for different health plans. Some health plans also come with a mandatory co-pay where the portion of the claimed claim is to be born by the insured and the remaining is paid by the insurance company.

Check for the sublimits in your health plan to avoid any last minute surprises at the time of claim.

3. Check for Network Hospitals

The insurance companies offering health plans have certain empaneled network hospitals with whom they have a tie up. Any hospitalization or treatment taken in the stated or specified network hospital list is done on the cashless basis subject to policy conditions.

Check for the list of network hospitals of insurance company and ensure you have network hospitals of the insurer near your place of residence in case of any emergency hospitalization. Also, a treatment in non-network hospital may not offer cashless treatment and some insurers have a co-pay clause if you take a treatment in non-network hospital.

4. Check for the Claim Process

Different insurance companies have different claim procedures. Some settlement or administrator claims through Third Party Administrators (TPA's) and some have their own in house claim settlement unit to foster quick and hassle free claim processing. Also, check the claim settlement ratio of the insurer you intend to buy a health plan from to have a clear picture on the number of claims settled by the insurer.

It is important to have a …

Feb
20

Forex Trading with Minimum Capital for Beginner Traders

Forex trading or also known as online foreign exchange trading is synonymous with big capital investment. But did you know it has the minimum capital can also do forex trading.

When the development of the internet began to bring on the progress of forex trading, the public began to open with forex investment, plus more brokers who increasingly innovate to develop facilities and services as well as fxtrade777. Then how can you do forex trading but with minimal capital? Here are tips forex trading with minimal capital for beginner traders.Choose a broker that suits your character

 Raised risk rewards

Determining money management becomes one of the most important things to do trading with little capital. By using money management. You can create a long-term plan in order to avoid major losses on your account. Even if you use a very small capital your trading funds will still be able to survive.

Consider leverage

Leverage is one of the main features when you are doing forex trading online. Leverage has a very important role and makes it easier for you to trade forex with a small amount of capital. Because if there is no leverage, it would be impossible to open a trading position with a $ 10 deposit unless you are trading on a cent account.

Customize the trading lot

The next thing you should do is adjust the trading lot. The size of lo trading is another important aspect to play forex by using small capital. You can try using a micro lot type commonly used by other traders who also have a small capital

Raised risk rewards

Determining money management becomes one of the most important and crucial things to do trading with minimal capital. By using money management, you can create long-term plans in order to avoid major losses on the account. So even if you use a very small capital your trading funds will still be able to survive. While to be able to determine money management with the minimal capital you can use risk reward. You can adjust the ratio on a small scale.

Choosing the right strategy

When you want to do trading activities but the capital is still very minimal, in fact, the use of strategy is not to give a role, because the strategy used will usually depend on the convenience of the trader himself. But for starters, it would be better if using a short-term strategy in order to adjust to the low time frame.

That is forex trading tips with minimal capital. If you can apply the above, then it is not impossible you can successfully trade with minimal capital. For more details please visit f1pro market