Tag Archives: snoring

Insurance for the Self-Employed

If you’re self-employed, you’ve found some great deals: the hours are as long as you want to work, the dress code is pretty nice, and you have all the coffee you can stand. But you’ve noticed that there are a number of fringe benefits your boss can’t supply for you: sick days, holidays, overtime, expense money, and the all important health insurance. Not much can be done about most of your fringe benefits, alas. There is no money tree, and there is no time tree. But when it comes to health insurance, you can’t afford to forget about it. If … Continue reading →

Life Insurance

There are many options available for life insurance, and for most people these options can be somewhat confusing. Below is a brief review of each type and some advantages and disadvantages of each. When choosing a policy it is important to look at the larger picture so that you make a wise choice in terms of cost, coverage and benefits. Term life insurance These plans provide monetary benefits only if death occurs within the time period that the insurance is set for. Term insurance is generally most affordable and offers additional savings for younger policy holders. Permanent life insurance This … Continue reading →

Choosing COBRA Insurance

COBRA is a program covered by U.S. federal law that allows workers and their immediate family, in certain circumstances, to maintain their employer-sponsored health insurance upon a change in employment or life status. The qualifying events include any loss of benefits in case of: The death of the covered employee Reduced working hours due to resignation, layoff, strike, medical leave, business slowdowns Separation from work for any reason other than gross misconduct Divorce or separation which terminates the ex-spouse’s benefits Dependent child reaching an age at which they’re no longer covered. The length of time you may use COBRA depends … Continue reading →

Choosing a Home Insurance Provider

Choosing a home insurance provider is a job all new home owners must do, and is quite serious because you are in effect married to that provider. You will depend on him and his company when disaster strike, so it is important to make sure that you choose a home insurance provider you trust. One of the factors you’ll take into consideration is price. Not all insurance providers are the same, so check around and get quotes. Make sure that you are comparing apples to oranges, and that one policy provides roughly the same coverage as another when you do … Continue reading →

Are You Prepared for a Financial Emergency?

Are you prepared for a financial emergency? This is not a question that should be taken lightly. There are a number of events which can cause a financial emergency, and different steps that you can take in order to prepare you family for those emergency. Being prepared financially will bring you a great sense of peace. The first type of financial emergency can be when an unexpected expense arises. An example of this is that your car breaks down and you need to have it repaired. It can also be when your air conditioning or furnace breaks down. As easy … Continue reading →

Financing Your Home Business

There are many opportunities available to help you find start up funding for your home business, or to inject more capital into your existing or expanding home business. Start by doing some research online. You can find numerous sites filled with information on financing. One site that may prove helpful is Home Business Center. Here you will find information on everything from low interest credit cards and start up loans to unsecured personal loans and government grants. Do you need to write a business plan in order to secure financing, but you just don’t know where to start? You can … Continue reading →

Sleeping Together or Apart?

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Interesting topic of discussion, I read an article about married couples spending only 1/3 of their lives sleeping together. Sleeping apart may indicate lower marital satisfaction, but it can also indicate just wanting to get a good night’s sleep. In the first few years of a relationship, couples are willing to sacrifice comfort for intimacy and after five to six years, the couple is more interested in a good night’s sleep than they are in intimacy. This can be a problem. According to the National Sleep Foundation, more than one in ten married Americans sleep alone. Of those with less … Continue reading →

Your Fico Score, Your Mortgage, Your Landlord

Your FICO score is the three digit number that is the result of reports of your credit history. FICO is an acronym for the Fair Isaac Corporation, the company which developed the system for calculating the score based on your borrowing activity. Increasingly, this has become a very important number for anyone not only buying a home, but renting one as well. The FICO scores of prospective job applicants are also checked by some employers. When applying for a mortgage, the FICO score determines what types of loans and rates you are eligible for. If you have a low score … Continue reading →

Financing a Family Reunion

There are a number of ways that a family reunion can be financed. You will want to choose the finance method based upon the size and type of reunion that you are planning. Set Fee Based upon the activities that you are going to do, the location chosen, and the amount of people that are going to attend you can determine a set fee that each family will have to pay. It is better to estimate high than end up without enough money, unless you are willing to fund the difference. Any money that is not used can be put … Continue reading →

Do You Insure Your Pay Check?

Most of us insure our homes, cars, and even our lives. But what about one of the most valuable assets – Our paychecks? I don’t think anyone ever expects to become disabled or unable to work due to sickness or injury until we are faced with the situation in our own lives. We don’t plan to have an accident or a serious illness and not being able to work or run our own businesses. When it does happen Disability Income Insurance may help to insure the income our families need when we need it the most. People who have earned … Continue reading →