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Archive of the posts written by author: admin.
May
27

Make Cash From Your Cash With Money Markets!

The current economic state of our country is leading more and more people to try and save money by cutting corners when they can. Sometimes, however, people are not aware of how to just make their money work for them. This seems obvious, but a lot of people just simply forget to read into it. This is a little way to help save a few extra bucks this year; maybe it can help pay off the gas you had to chard on the credit card to make it to work the past couple weeks …

Highly unspoken of, money market accounts are an easy way to make a few extra dollars without tying up your money too much. Currently, many banks are offering no-fee money market accounts for anyone who opens an account up with $ 5k or more; This means that you are able to withdraw and deposit money into these accounts, which have an interest rate around 2.2% (as opposed to a typical savings account of 3.% percent) and an apy of 2.3-2.4% without getting slammed with fees . Of course, if access to the money is not necessary, I would recommend CD accounts (if you're not interested in stocks, cause that's a whole other can of worms) which give you higher interest and apy rates that do not change . The rates right at this moment seem to be looming around 2.7%, which is not a huge difference, but it does help if you can do it. Only a few years ago I was able to lock in at a 5.6% CD rate and made over $ 600 doing absolutely nothing. If you are more interested in the CD account; first try to get one the month of your birthday (they're often times offer a 'birthday' rate which is 5% higher higher than the time) and check into your local credit unions, they tend to have slightly higher rates.

I know, I know, you say "what's the point of making an extra 1.9% when I need to make serious money". It does not really seem like it would make a huge dent. Well, let's do the math. If you already have exactly $ 5,000 to put in the bank; let's say you put it into a regular savings account. In two years (.3%) makes $ 1.50 in interest a month; $ 36.00 in two years (depending on compounding interest). Does not seem too bad. Now let's do it with a 2.3% Money Market account from Bank of America. That $ 5,000 is now working harder for you, supplying you with about $ 11.50 a month; $ 276.00 in two years (and that's without compounding your interest)! That's an extra $ 10 a month for doing absolutely nothing. And of course, with more money the amount adds up quicker.

Okay, so you've got some savings that you want to keep your hands out of (another great thing about CD's), and you want to get a 12-month CD at …

May
25

Recognizing Insurance Fraud

Insurance fraud is one of the most costly and fastest growing white-collar crimes in America today. In fact, it is the second most common white-collar crime, behind tax evasion. The effect of this crime should not be underestimated, and is reported to cost Americans over $ 86 billion per year. That means that each household incurs losses of around $ 1,000 per year due to policy increases caused by fraudulent coverage claims.

Insurance fraud is described as any deceptive means used in order to gain from an insurance policy. Fraud may be committed at any time during a transaction by applicants for coverage, policyholders, third-party claimants or professionals who provide services to claimants.

Insurance fraud is commonly described as being 'hard' or 'soft'. A hard form of this crime is one in which an accident, etc. is certainly caused, or a claim is completely fabricated in order to receive financial gain from a policy. These types of scams can range through many insurance fields including auto, home, life, medical, fire, etc.

Soft fraud describes a case where claims are falsely exaggerated, often to cover a policy's deductible. This is far more common than more elaborate hard frauds, and are sometimes referred to as 'opportunistic frauds'. Falsely exaggerating automobile damage in an accident and embellishing the value or amount of items lost in a fire or robbery are both common forms that are included in the soft category. Similarly, soft fraud also encompasses withholding of information when applying for insurance. Commonly, people will neglect to report aspects of their medical history when applying for medical insurance, or will falsify information about their vehicle when applying for auto coverage, such as mileage, location, etc. This is most commonly done in an attempt to receive lower premiums, or to ensure coverage in the first place. This is illegal and considered deception.

Types of fraud can be found throughout all fields, from health and life, to travelers insurance. For each industry, different methods are used in an attempt to profit from bogus claims. According to the industry's statistics, up to 10% of all claims, averaged throughout all fields, are fraudulent.

While most people committing this crime may feel they are only taking money from the insurance company, they are actually stealing from each policy holder's pocket. Every fraudulent claim is reflected back to the consumers through increased policies and higher deductibles. …

May
25

How Much Money Can I Make On eBay? – Make Money With eBay The Easy Way

eBay sellers are often found to brag about making hundreds of dollars per day and the so called pros and gurus maintain their stance that you can make thousands of dollars per month selling on eBay. eBay is certainly a huge marketplace and the potential to earn a lot is available, but it all depends on what you are selling and how you are committed to your eBay business. If you are wondering how much money can I make on eBay, you should have the determination to convert your dreams to goals. Only with consistent efforts you can become a top seller on eBay and your products can bring you income for a long time.

Information Products: Right Kind of Products to Sell On eBay

Anyone interested in selling on eBay is keen to know about products that can quickly sell. If you are thinking about products, you need to understand that you have to maintain an inventory and ensure that proper shipping is done. Without you create your own products, selling on eBay can become tricky because you have to act as buyer and supplier at the same time, managing multiple roles. Information products are the right kind of products to sell on eBay because you can create your own product and sell as many copies as you want.

Previously, eBay allowed digital downloads of products and this was used by scammers to cripple the entire idea of ​​eBay marketplace. So, eBay made some changes to rules and still allowed digital information products to sell on eBay. You can sell digital products as long as they are burnt as CDs or DVDs. It is easy and simple to create CDs and DVDs once you have the information accepted and ready to be sold. This way, you own your products and you can churn out as many copies as you want.

To start as a seller of information products on eBay, you have to find your niche and create a product. With so many books, ebooks and information available with reseller rights, it will take only a few hours to put your product together. You can then burn CDs and DVDs to include the information and start your trial run on eBay. If your product sells on its own with really good information, you may get more orders than you can manage manually. There is software available that helps you to take care of burning the information products, but if your business is getting really big, you can consider using third party companies to burn the content on CDs and DVDs.

In order to make money on eBay selling information products, you just can not set down with a single product. As an online entrepreneur, you have to keep thinking about your business and establish a branding for yourself. You can certainly create multiple information products in different niches, but focusing on a single niche will help you become a niche expert. So, before plunging into eBay selling, analyze your …

May
23

69 Dirty Talk Messages to Crank Up Your Texting Life

The ability to text message from ANYWHERE on the planet is something new, and gives relationships something they’ve never had before…the ability to keep our relationships exciting, even if we are separated from our lovers.

Now the hard part is trying to be creativity and erotic on your own. While sometimes it just rolls off the tongue, and thinking of what to say is quite easy. Other times, you might receive a sexy message and be dumbfounded on how to respond.

Below is a list of dirty talk messages that should be used when you can’t see the person you want, and your goal is to make them think OBSESS about you and the fact they can’t have you right now.

Some of these dirty talk messages are fun, some are serious, so use them wisely and don’t randomly use them. Sometimes humor when you’re having a seriously sexy chat can spoil the mood.

1. Hi. I’m horny.

2. I just thought about how awesome you are. And how awesome I am. Let’s hook up!

3. If you were the new burger at McDonalds you would be the McSexy!

4. You’re so f’n sexy!!

5. I want you right NOW.

6. The thought of you is turning me on!

7. Can you send me a picture so I can show Santa what I want for Christmas?

8. I can’t wait to see you later

9. You are SO hot

10. I love your body

11. I’ve been thinking about you ALL day

12. You make me want to do BAD things to you…and myself;)

13. I’m so h*rd/w3t right now

14. I would give anything to be with you right now!

15. I’ll be waiting for you later…naked;)

16. You can do whatever you want

17. The fact I can’t have you right now makes me want you MORE

18. What would YOU do to ME?

19. I’ve never been so turned on by someone!

20. I’ve NEVER wanted someone like I want you

21. You’d look so hot going down on me:)

22. No one does me like you!

23. I want you so bad I don’t notice anyone else

24. I’ve never met someone who turns me on like you!

25. You have the nicest a$$ on the planet, is it real?

26. Hey I just realized this, but you look a lot like my next girlfriend/boyfriend!

27. What are you wearing?

28. Your body makes me happy

29. I’m not wearing any underwear… maybe I can wear you later

30. Hello, I’m a thief, and I’m here to steal your heart.

31. Can I please be your slave tonight?

32. Do you know, your hair and my pillow are perfectly color coordinated?

33. God must have been in a very good mood the day we met.

34. I think I could fall madly in bed with you.

35. I want to melt in your mouth, not in your hand.

36. I wonder what our children will look …

May
22

The Undeniable Truth About Website Development Firms That Nobody Is Telling You

There are various ways to create a website like static HTML, flash websites and so forth. Website is a required part to earn a thriving online company in the world. If a web site is simple to go through, there are more chances that they’d love to read more about you. A website should serve the purpose for which it has been produced. Thus it’s imperative for all of us to acquire our websites show up on the all mobile devices so we must take aid of the iPhone development companies that are offering such iPhone compatible web designing. For example if you’re trying to find a fully interactive Flash website you better be sure that the website design company you select has done many Flash websites.

Design the website strategically, if you’ve got plenty of things to discuss. Creating a site isn’t alone enough for a site to be prosperous. Website being among the best mediums to showcase the services and products of your business, is a good method to start if you’re going the internet way for the very first time. As a way to sustain and do well in a very competitive internet environment your website should be easily navigable and user friendly and for that working with a trusted website development firm can make the process simpler for you if not more.

Websites should be designed in such a manner that they can effectively send across your message to your target audiences with no hassles. If your site is attractive and effective, more number of users will attract towards your site and from this a growing number of number of people may come to learn about your goods and solutions.

a website development firm plays a vital role in the total development of any organization. It’s necessary for a PHP website development firm, which could make online applications in a very easy and striking manner so that it’s accessible by all. Website development has becomes one of the greatest alternatives for online business expansion.

Frequently, the business might not have the very best and the most experienced individuals to help it with the exact same. Since companies everywhere are doing this now, it isn’t actually such a huge deal if you should think about doing it. Therefore, while searching for availing web design services, make sure you search for a website development firm that meets all these criteria.

Selecting a professional website development firm is now essential for each and every online business to keep up their online presence due to the fact that many customers are searching the internet prior to making a purchasing decision. Hiring a professional website development firm to create your business website is just one of the main professional decisions you will make.

The Key to a Successful Website Development Firm

Even in the event the businesses are providing offshore services, they should provide real-time support according to the customer’s time zone and keeping up international high quality standards. A popular …

May
22

When to Call Your Personal Injury Lawyer About Medical Malpractice

If you have suffered from injury or illness due to medical negligence, you have the opportunity to file a lawsuit to recover damage for your financial loss and emotional distress. Medical malpractice comes in many forms. Doctors and their staff have to be held responsible for any injuries that you have due to mistreatment. There are several ways to know if you have a medical malpractice case. If you fall into any of the following categories, call your personal injury lawyer:

You Were Treated Improperly

When a physician or other medical staff is treating you, you have a right to proper treatment. Patients go into a procedure believing that they will be treated in a way that will benefit them. However, there are cases in which people are improperly treated. Some examples include administrating the wrong medication, performing an incorrect procedure, or improperly performing a procedure. In addition, improper treatment includes not receiving any treatment at all for your ailment. Some doctors may believe that you are not in need of a procedure. If you subsequently suffer further complications after not receiving adequate treatment, you could have reason to bring your case to a personal injury lawyer.

You Were not Diagnosed

There are some instances in which patients are not given the proper diagnosis, or not even diagnosed at all. This can lead to pain and suffering on your part, especially if a proper diagnosis and treatment could have preceded it. Not having a timely or correct diagnosis can complicate your illness and cause it to escalate to a point that could require even more invasive treatment. To prove that you were injured due to improper diagnosis, your attorney would have to prove that a competent doctor would have diagnosed your illness properly, and that you would have had a better exit had you been under the right diagnosis sooner.

You Were not Made Aware of Potential Risks

Doctors have a duty to provide accurate information to patients with regard to the potential risks that come with their illness and treatment. There may be a time in which the risks of a procedure or treatment method outnumbered the benefits. If the medical staff fails to advise you of these risks, and you suffer from complications caused by the treatment, they have failed to provide you with informed consent. They are required to let you know of any and all risks so that you may make an informed decision on whether or not to go through with the treatment plan. By not giving you this information, they can be held liable for your pain and suffering.

There are instances in which doctors and medical staff may fail to provide you with proper treatment or fail to make you aware of potential risks of certain procedures. If you become injured due to negligence, you should contact your personal injury lawyer to ask about the possibility of a medical malpractice suit. You could have your medical expenses paid as well as receive damages …

May
20

How To Avoid Panic Attacks – Panic Attacks Free Zone – My Personal Story

I was 30 years old when I experienced my first panic attack! 11 years prior to that, I was badly hurt and was fighting for my life, but when my first panic attack occurred was worse than that! Read my story and see how I managed to avoid panic attacks.

I am currently happily married and have two wonderful children. I am 34 years old and even thought, I was badly hurt 15 years ago, my panic attacks did not start until 4 years ago. The first anxiety attack happened in the morning at work. It was so bad that my co-workers wanted to call 911 because all of a sudden I could not breath, I was shaking, and I was white as a sheet. I did not know what was happening to me. My number one fear was that I was dying.

Later on I realized that it was a mix of situations caused me to start having panic attacks. It was probably partly due to what I have gone through before, but other circumstances caused it as well. The first one was that my father had a mild stroke and since he lives about 5000 miles away, I could not visit him right away. Second, my wife was pregnant and hurt her back in the last month of pregnancy and could not move (literally). For disabled person, it is very hard not to be able to help her. Third, I was going to school at the same time and having to deal with all of that was just too much. And the fourth, the uncertainty of having our first baby, and all the questions new parents deal with. The total distress! It was all building up inside, and I could not talk about it to anyone. My whole family was going through crises and I did not want to put more burdens on them.

So after staying in bed for 4 days thinking it was the end of my life, I finally decided to call the Doctor. My Doctor diagnosed me with Anxiety Attacks He also told me that every third person who comes in to his office, has anxiety attacks. He gave me some medication to calm down.

I did start feeling better right away. But I also started doing more research on what it was and how to heal myself completely. I just wanted to avoid panic attacks, because now I was living in fear that the next one was going to happen any minute! Also, I just could not picture myself being dependent on medication my whole life!

I was also embarrassed that I had this problem. There is nothing we need to feel embarrassed about. It happens. We just need to learn how to deal with anxiety attacks. You see, after the first panic attack, we start living in fear of when the next one is going to happen. That is where the problem is! So during my research I came across a guide …

May
20

Whole Life Insurance – What It Is And When It's A Good Option

A whole life insurance policy provides coverage for an insured's entire lifetime provided there is no default in premium. It builds cash value and guarantees a death benefit irrespective of when the insured dies.
Here are its main features …

1) It gives a fixed amount of coverage through the policyholder's entire life provided the policy remains active.

2) The premiums are usually fixed throughout the policy holder's lifetime provided the policy remains active.

3) Benefits are either payable on the maturity date (which is usually set at the policy holder's 100th birthday) or the death of the policy holder. Whichever comes first.

4) The face value is fixed once the policy is purchased.

5) Coverage can be increased only by: Buying an additional policy, dividends or additional riders to the original policy.

6) Cash value is accumulated and increases over the years from premiums paid.

7) The total amount accrued minus the total premiums is reported to as earnings. They do not usually attract any tax if you do not surrender the policy. However, if you do, you may owe taxes. To be sure ask a competent professional.

8) A policy holder may draw loans up to the amount of the cash value. Repayment of such loans is not compulsory. However, such unrepaid loans will reduce the death benefit paid. The insurance company will simply deduct the owed amount with the accrued interest before paying out the benefit.

If you've made up your mind on the best life insurance policy for you get it at the best price possible by obtaining and comparing quotes from insurance quotes sites. Your whole life insurance premium will be far less if you do this well. …

May
19

Unlisted Drivers Can Cause Your Auto Insurance Rate to Skyrocket

Very few circumstances can cause your auto insurance rates to rise the way an unlisted driver can.

First, the basics. Auto insurance policies are written to cover your car, not necessarily the operator. What this means on the surface is that as long as you have given an individual “permissive use” of your vehicle, should that person become involved in an automobile accident, there should be coverage. The type of coverage that can be applied, of course, would depend on the type of car insurance you originally purchased. For instance, in the event your “permissive driver” is involved in an at fault accident, and you have purchased collision insurance coverage, collision would pay for the damages to your car, minus your deductible. But conversely, even if that driver was involved in a not at fault accident, you can expect your insurance company to take a closer look at your policy come renewal time.

As an example, assume that you loan your car to a friend on a one time basis for whatever reason. You can establish that this friend is not a consistent driver of your car, and you can verify that your friend does not live with you. What happens if your friend, the unlisted driver, becomes involved in an at fault car accident? Under the circumstances, your insurance policy would pay for the damages to your vehicle. Even if your friend has his own policy, that policy is not responsible to pay for your damages.

Will this create problems for you with the insurance company? Probably.

Normally, when insurance companies pay for an at fault accident, you can expect to suffer the consequences. Even though you are making payment on the relevant premiums, your insurance company will “penalize” you if you are involved in at fault accident. How is the penalty imposed? By way of a higher auto insurance rate.

And what about the fact that you permitted a friend to drive? Will that also boost your chances for a higher auto insurance rate? Probably so. Insurance companies tend not to respond well to “unlisted” drivers, at fault or not. In fact, with an unlisted driver in the driver’s seat, count on your insurance company to launch a claims investigation into the circumstances. More specifically, they will be looking into the possibility that the driver could live in your home. And, more than likely, they will also examine the driving history of the unlisted driver as well as whether or not that driver has insurance of his own.

Should you expect an increase in your auto insurance rates? Most definitely if the investigation divulges factors that increase your risk rating.

If the insurance company investigation reveals that the unlisted driver has a poor driving record, you can be fairly sure that this will be used against you when your auto insurance rate is calculated at the end of your insurance policy period. By association, if you allow an irresponsible driver to operate your insured vehicle, your risk scoring …

May
18

Frequently Asked Questions About Health Insurance

Why Should I Have Health Insurance? Why is it so Expensive? Should I Get A new Quote?

You pay a set monthly rate for Health Insurance basically to stop yourself from financial loss. Accidents can happen and if you were to be flown in a Helicopter plus spend one day in the Hospital it would be at least $ 26,000. The average day in the Hospital is $ 12,000.

What are the differences between a PPO and HMO?

PPO is Preferred Provider Organization: a list provided by each Insurance Company. In general, the higher the deductible, the lower the monthly rate. Each PPO has a different calender year deductible. Plans with a lower deductible have more generous prescription drug benefits and lower visit co payments. Overall all PPO's will have a Maximum coverage the same approximately $ 5,000,000.

HMO is a Health Maintenance Organization. With an HMO you and your family must live or work in an area served by the plan. For instance, if you live on Catalina Island and the Hospital is in Los Angeles this would not be a ideal plan to choose.

Deductibles and how do they work? You must pay the deductible on your plan before coverage starts to kick in. Some plans have $ 0 deductible and go all the way to $ 4,000 deductible (Health Saving Accounts).

Co-payment is the fixed fee for visiting and using the services of in a network such as a doctor, Emergency Room, or filling a prescription. If your co-payment is $ 35, you pay tat every time you see a doctor and it does not go to your out of pocket maximum.

Coinsurance is the percentage the patient must pay. For example if the permitted amount is $ 100 for a visit and your coinsurance is 20%, you pay $ 20.

Out-of-pocket-maximum is a dollar limit on the total amount you have to pay for covered services in a calender year.

Best thing to do is ask yourself: How often do I visit the Doctor a year. If it is two times a year at about $ 100 per visit then get the lowest monthly plan such as a Health Savings Account so you will still have $ 5,000,000 coverage and will receive medical attention. If you have a family probably want HMO for the kids and PPO for the parents. …