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Self Employed Health Insurance – Save Money by Educating Yourself Before You Buy

Posted on July 22, 2014

Self Employed Health Insurance can be expensive, especially if you have a family. There's no reason to "sugar coat" the facts. The fact of the matter though is that, unfortunately, it's something that you must have, especially if you have a family. You can save yourself money and give yourself peace of mind by knowing how the basic health insurance policies work and the coverage that they provide. This is generally the same, whether you're in need of self employed health insurance or not.

Basic Medical Policies

Basic health plans have low limits of coverage. Also, there are no deductibles or coinsurance used, which means that it pays first dollar coverage and pays only the usual and customary fees. These are standard fee rates that are set by your insurance company for each medical procedure. Even if the doctor or hospital you see charges more, your policy will only pay according to their own guidelines.

Basic medical can include any or all of the following policies.

Basic Hospital

Pays a stated daily amount only while you're in the hospital (confined). An example would be $500 per day for a limited number of days, like 30 or 60. This type of coverage can be issued by itself or in combination with Medical Expense policies.

Other miscellaneous ancillary expenses while in the hospital include; physical therapy, dressings, drugs, operating rooms, x-rays, recovery rooms and more, up to a specified limit, like $10,000. Your coverage could be based on a multiple of the daily benefit amount, like 30x. Example, we used $500 per day in the previous example so that multiplied by 30 would be $15,000.

Both of these are reimbursement contracts.

Surgery Expenses

Basic medical policies provide what's called a "schedule of benefits". This schedule shows the maximum amount payable for each covered procedure. This coverage is normally provided on what is called an "absolute" basis. This means that it will only pay a specific amount for a certain procedure.

Don't let this stuff intimidate you. Just like anything else in life it must be learned. Basically, my intent here is to give you a brief education on what you'll need to be discussing with an insurance agent when you're ready to buy your self employed health insurance policy. Wouldn't you want to know what was actually covered within your policy and for how much rather than find out later that you didn't have enough coverage? Of course you would. Educate yourself now and save in the long run.

Cheap Auto Insurance Quotes – How to Save Money on It!

Posted on July 19, 2014

Finding cheap auto insurance quotes might prove to be a challenge to a lot of people. However, if you know the correct tips and tricks, you will face no difficulties to find cheap auto insurance quotes.

First of all, you should always remember to gather quotes from several well-rated companies and compare them when you are trying to get cheap auto insurance quotes. You will notice that you will be quoted differently when you approach various companies. Usually, the amount that they quote you will depend on your individual circumstances and the company's profit.

Installing anti-theft and safety devices such as protective VIN window etching or car alarms can help you to secure cheap auto insurance quotes. These devices definitely worth your while to install as they do not cost much but are capable to reduce your insurance cost significantly. Insurance companies are usually more interested to cover cars that can be easily returned if stolen and that are less likely to involve in accidents.

If you are a student who scores good grades in school, mention this to your company and ask for discounts. Most companies offer cheap auto insurance quotes for students who have scored A's and B's in their studies. You can also enroll in a driver's education class in your school. Many high schools nowadays offer this class to their students. Insurance companies will normally give out cheaper quotes to anyone who has graduated from this class.

Last but not least, drive carefully. I am sure that most of us know that it is dangerous to drive recklessly. You will not only harm yourself by driving recklessly, but also other people on the road. Besides that, you are also putting yourself in a position to get higher quotes by not driving carefully. Therefore, if you always want to get cheap auto insurance quotes, drive cautiously and maintain a good driving record. A good driving record is an important factor to get you cheap auto insurance quotes.

Currency Trading Tutorial – An Excellent Forex Education Tool

Posted on July 14, 2014

In this article you will get a currency trading tutorial that has been compiled based on my theoretical knowledge and practical experience in forex trading.

Currency trading is an excellent opportunity to make money almost by anyone. However to be a successful trader and actually make profits you need to understand the basics of currency trading to begin with. Forex education will provide very useful guidance to novice traders.

Some of the basics of forex are:

o Forex market where currency trading happens is an electronic over the counter market (OTC). World currencies are traded 24 hours a day, five and a half days a week. The usual means of trading forex are Spot, futures and forward

o Various currencies are "priced" in pairs with price being quoted either indirectly or directly.

o All currencies have two prices - the Bid Price and the Ask price. Bid price is the price at which the market will buy the quote currency in relation to the base currency. Bid price is always lower than the ask price. Ask price denotes the amount at which one unit of the base currency can be sold in forex market in relation to the quote currency.

o Currency trading market is the largest financial market in terms of both size and liquidity. The participants in this market are large banks, commercial companies, hedge funds, investing firms, brokers, trading firms and the individual traders.

Let us now understand how a typical currency trading transaction happens. Based on news that employment numbers are increasing in the United States, one can safely predict an increased demand for U S dollars.  A forex trader will thus immediately enter into a currency trade transaction which involves selling British pounds and buying U S dollars. As the demand for U S dollar goes up, the elasticity of market will dictate that the price too goes up. Trading in dollars would intensify and by the end of the day U S dollar would have appreciated and become much stronger. Thus the trader will book profits in the deal which he entered at the beginning of the day.

If you are serious about making money by trading forex you can educate yourself by enrolling in currency trading tutorial courses. There are a number of free forex training courses available online too which you can make use of.

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