Frugality And The YOLO Lifestyle

Have you ever envied those people who live a YOLO lifestyle? If you don't know what is YOLO, it means "You Only Life Once". This is a mindset that since we really only live once, why not just enjoy life first? Why think and plan for the future?

When I was younger in secondary school, I had a classmate who came from a rich family. The parents gave him $50 a day. At that time, my allowance was only $20 a week which was just sufficient for my meals in school. Each meal cost about $2 then. With $50, this classmate could buy lots of stuff he wants. He was the envy of many other classmates and friends surrounded him to get some benefits from him.  Sadly, later on he got suspended from school and in the end got expelled because of some police case. Later I found out he was caught stealing from a book store in a shopping mall. It was an irony that he has the most money but still steals from a book store.

The YOLO Lifestyle

Money can cause a lot of problems. Just last week, MAS and CAD raided a few trading firms such as DBS vickers, Maybank Kim Eng, Phillip securities and OCBC secutiries. Some remisers were taken away for questioning. The MAS confirmed on Friday that together with the CAD, it is investigating possible contraventions of the Securities and Futures Act. Money can cause people to do things that breaks the law.

I'm sure all of us have friends who live from pay check to pay check. They empty their bank accounts and enjoy life to the fullest. They travel around the world, enjoy the finest food, enjoy luxuries and live for the moment without thinking about the future. This is even better than my classmate who has $50 to spend everyday. It is possible to spend hundreds of dollars per day.

I am not against enjoying life. In fact, I've ditched my budget and spend as much as I can currently. I wrote a post on this previously here.

The Frugal Lifestyle

The frugal lifestyle on the other hand is a life of prudence. This person spends wisely and thinks for the future. He tries to save as much as he can because he thinks he will need the money in the future. There are also extreme frugality cases where a person saves and saves and forgets what enjoying life is all about. Both the YOLO and frugal lifestyle becomes a habit. Both can be bad or good.

There is a fine line between frugality and cheap. Our lifestyle ultimately affects the people around us. A person with a YOLO lifestyle may have spent all his money and can't even pay the bills on time for his family. Or he may have got into too much debt and made the family suffer. On the other hand, a frugal person can also affect the people around him negatively. He may have saved too much and compromises on quality. The family doesn't get much enjoyment in life and live on a tight budget.


How To Balance Frugality and the YOLO Lifestyle?

Saving money for the future and enjoying life needs to have a balance. This is easier said than done. But with a conscious effort, we can balance the frugality and the YOLO lifestyle. First, we have to identify are we more prone to spending or saving. Most of us will lean more to one side. For me, I'm definitely more prone to saving money so I have to make a conscious effort to spend more on the things that are important.

For a person who saves more, it is sometimes hard to spend. $50 for a meal per person seems too expensive and it is very hard for him to indulge in luxuries.  To balance up, a frugal person can indulge in luxuries occasionally. It doesn't hurt to spend a bit more once in awhile especially for the people he loves.

Just last year, I decided to celebrate my girlfriend's birthday in one of the fine dining restaurants in Singapore. This was at a restaurant called Pollen, right inside Gardens by the Bay's flower dome. This is the first time I've ever went to a fine dining restaurant and I must say the experience is worth every single cent. The service is good, every dish is carefully selected and prepared with unique taste in every single bite.

Bread and mini bun with truffle cream served before the meal

Appetizer: Some figs and goat cheese

Mains: “Risotto”, hazelnuts, brie and pears

Mains: I forgot the name of this fish

Desserts

Desserts

As you can see, every plate is an art work. Delicious and full of flavours. Their service is so good that they gave us a holder to put our bags, explain every dish in detailed and even provide a scarf for my girlfriend in case she's cold. They also provide buggy service before you come and after you finish your meal. The buggy sent us all the way to MBS after our meal. And I forgot to mention they actually reply to my emails very promptly. I actually arranged for a surprise birthday cake with candle to be sent in after our meals.

The meal also includes an entry into the flower dome, another plus points if your girlfriend likes flowers. Just a few steps away and you're in the flower dome full of beautiful flowers. This is definitely a place to consider for a date or to celebrate special occasions with your other half.

To me, now it doesn't hurt to spend a bit more just to enjoy. In the past I was probably too tight on money and am slowly changing it. I am now more focus on increasing my income than just saving money alone.

How about the person who lives a completely YOLO lifestyle? To this person, luxuries are too common in his life till it becomes a norm. He has no savings and always complains of not enough money. Yes he's enjoying life fully now but when crisis strikes, he loses his job or one of his family member gets sick, he has no money for all these. The family goes through a period of tough time.

As long as we have plans for the future, spending a bit more doesn't really hurt. Just $100+ on food on that special occasion doesn't hurt if you still have savings. If you borrow money to enjoy, then that is a red flag. If you use your credit cards to enjoy and cannot afford to pay the bills, then it will be disastrous. If we just use a part of our income for enjoyment while still paying ourselves first, then I think this is perfectly ok.

Frugality and YOLO lifestyle, do you think it can be balanced?

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Pompompurin Cafe Singapore - A New Theme Cafe at Orchard Central

Besides blogging on investments, I decided to write on some of my cafe experiences in Singapore. It really doesn't hurt to spend more just to enjoy life a little. Sometimes it can be satisfying to just spend without looking at price tag. This is my first post dedicated to food in a cafe.

Just last week, I went with my girlfriend to this new cafe called Pompompurin. I heard a lot about the craze and didn't believe it at first. Why would people queue to experience this new cafe? We went early and reached before 5:30pm on a Saturday. The queue was already quite long with about 50 people queuing in line. Only at 7:30pm did we manage to get a seat. That's 2 hours of waiting time!!

The queue outside the cafe on that day

In case you're wondering what is this Pompompurin, it is actually a Sanrio character introduced in 1996. He is a big yellow/cream coloured dog (Golden Retriever) who wears his trademark brown beret. Sanrio is a Japan based company which also created the popular character, Hello Kitty. Now, this explains what the craze is about, just like the hello kitty craze Macdonalds had in Singapore. Anyway, a Hello Kitty Cafe will be also coming soon in Singapore in just a few months time.

The place was nicely decorated with a garden theme. Its definitely a nice place for a date as I see many other couples too. Also, its a good place to bring your kids. They will sure love the cute designs on their food as well as the nicely decorated environment.

We took a good time taking many photos and the food arrived in a short time. I guessed it was only about 10-15 mins and the food was already here. We tried the Taco rice in a cup of friendship, which includes ingredients such as minced meat, tomatoes, avocado, eggs, tacos and rice. The menu actually said that the best way to eat this was to lower the Pompompurin and Muffin on the meat and veggies before mixing it all in together which was exactly what I did . I took out the whole Pompompurin figurine and it was huge inside the cup!! The rice was so sticky that the figurine manage to stay intact while I took it out. The taste was surprising quite good. The meat and eggs were well marinated with savoury sauce. However, the rice was really sticky. and we had to eat it in big chunks.

Next, we tried the Pompompurin’s Coconut Milk Chicken Curry. The curry was not really spicy with a sweet taste. It was rich in flavour and blended well with the rice. Still the best is the design of the plate. The whole face of Pompompurin was surrounded by the curry and they made the capsicum into many shapes such as stars, hearts and even fork and spoon. The flavour of the coconut milk was very rich in this dish so if you like coconut milk curry, this is the dish for you.

Other dishes they had were the Pompompurin's Beef Stroganoff, Everybody Gather Around! Picnic Plate and 2 other spaghetti dishes. They also had many desserts and drinks to choose from.

Lastly, we ordered the  Love Love Hot Marshmallow Latte. It looked really nice on the menu and when it came, true enough it was Love Love and Hot. Nice designs on the latte with cute marshmallows.

Overall it was a good experience. The final bill came out at exactly $60 which is not too bad for a special date. The portion is quite huge and you will sure be full after eating it. Its kinda hard to take your first bite on the lovely designs though. Bring your girlfriend, your wife or your kids there and they will sure love it! However, be warned of the queue. It takes patience to wait in line as I see quite a few people left the queue after waiting too long.


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Gov. Inslee honors Cowlitz County SHIBA volunteer

From right: SHIBA Volunteer Coordinator Terri Osbourne,
volunteer Elouise Maahs and volunteer coordinator Sarah Clark

Congratulations to SHIBA Volunteer Elouise Maahs for receiving the Governor’s Volunteer Service Award in the health care category.

Elouise, who volunteers for SHIBA with Lower Columbia Community Action Council in Cowlitz County, was honored on April 11 at the Governor’s mansion, where she receive her award from Gov. Jay Inslee. A SHIBA volunteer since 2008, Elouise serves as a data specialist, where she records and processes client cases. In the past year she’s processed over 6,000 client cases. Eloise was nominated for her dedication and commitment to ensuring that seniors and people disabilities have their Medicare issues, complaints and appeals processed in a timely manner.

In addition to meeting the Governor on April 11, Eloise also stopped by the Office of the Insurance Commissioner/SHIBA and had the opportunity to receive congratulations personally from Insurance Commissioner Mike Kreidler.

Read more about SHIBA, which provides free, unbiased, and confidential assistance with Medicare and health care choices.

New Launch of Free Ebook

Many of you may have downloaded a free Ebook on "Investing your first $20,000" which was a collaboration effort between me and a few other financial bloggers. That was a big first step in providing free content for the general public to learn more on investing and how to start it out. If you did not manage to get the free Ebook, you can down it here.

Today, another free Ebook is launched for your download again. This is a book on crowdfunding and its an extensive effort that was done to put together unbiased information and views on what crowdfunding is really about. Crowdfunding is a relatively new investment frontier for retail investors in Singapore and its important to know what we are really getting into before putting our money in. There are certainly risks in it. How do we manage the risks?

In this guide, you will learn:

• Different types of Crowdfunding
• Most popular type of Crowdfunding in Singapore
• Potential Risks of Crowdfunding, and how you can minimise your exposure to them
• 7 things to watch out for when you participate in Crowdfunding
• How you can take part in Crowdfunding in Singapore
• Honest and unbiased sharing from 2 experienced Singapore Crowdfunders: how they manage their risks, how they select potentially safe and successful projects, and many more bits of wisdom.

You can download a copy of the free Ebook here: Crowdfunding – Demystifying the Investing Frontier for Retail Investors

Hope you enjoy it!

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Family First Life Is Turning Heads!

Now Hiring!

Family First Life Is Now Hiring

Family First Life is turning heads in the industry and is being recognized by not only life insurance agents but many of the larger insurance carriers and other large IMO's. It is rare that you find a company that truly cares about the agents and puts their needs, goals and future, first, says Barb Goff, a successful agent with Family First Life. She goes on to say, "Since day 1, I feel Shawn Meaike cares about me, my family and my success." Anyone looking to become an agent or a seasoned veteran is welcomed to inquire about the opportunity at Family First Life!

Compensation

Family First Life's compensation is unlike any other in the industry. If you look around, you will see that no other IMO offers the top compensation that you will find here! Many agents that have joined the Family First Life organization feel that the compensation here is more than fair and give the agent a chance to earn an incredible income and a career that they can retire from in ten years time. At the same time, the IMO is also able to be very profitable. So much so that the IMO is able to provide additional monetary incentives to the agents.

Many IMO's in the industry cap the agent at a percentage where, in some cases, Family First Life, will start the agent off and it will only go up from there. Many other IMO's treat the insurance industry as an MLM and are looking to hire as many people as possible, but that is not the case at Family First Life. Our number one priority is the agent and teaching them how to sell life insurance, build an agency should they agent desire, and earn a living. All promotions earned and bonuses paid are done so based solely on production, regardless of the size of the agent's organization.

Vested Renewals Day 1

At Family First Life, we feel your client's are yours and you should be compensated accordingly. From day one, all renewals on your book of business belong to you, the agent! This is the case whether you chose to stay with the company or move on.

Contact us today to learn more about the INDUSTRY'S best kept secret! Family First Life's top compensation is 2nd to none!

The Right Way to Split Dollar Life Insurance

Every person wishes they would have the healthy body. Preventing the bad condition of the body can be done by having the healthy life style and consuming the healthy and nutritious food. You need life insurance as the preparation if something bad happens. By using the life insurance, if you get an accident, the expense of medicine or treatment will be paid by the insurance company that you register. You have to split dollar life insurance for your insurance. The way to split money for your life insurance is by paying the insurance cost. You can join in an insurance company. You have to know the way you pay the insurance cost. The guidance for paying the insurance is like on the following explanation.

The Way for Paying Life Insurance

The first way is by knowing the ownership of the insurance. You have to know the owner of the insurance to pay it. Second, to pay the insurance you have to use collateral agreement. This is a process which the employer and the employee having the agreement about the agreement. Third, the other way is the endorsement method. The employee becomes the beneficiary. These ways are used for paying the life insurance. You need other ways to split dollar life insurance.

Option to Fund Buy Sell Agreement

After you know the three ways for paying life insurance cost, you have to know the option of fund sell agreement. For the business insurance life, the three points that are mostly used are the criss-cross option, split dollar funding option, and corporate repurchase and redemption method. For the criss-cross option, the life insurance is paid for by using the tax income. This method is used for shareholder insurance. This is the traditional method of split dollar for life insurance. The second way is split dollar funding option which uses the predetermined agreement that are used for the employee and employer. This becomes the popular split dollar life insurance.

The split dollar funding option can be used for funding important functions such as employee buyout, award and insurance for key man, and cooperate or shareholders. The corporate repurchase and redemption methane becomes the third method for funding buy sell agreement. This method uses two ways for the fund buy sell agreement. The first kind of the method is cross purchase agreement and the second kind is corporate buyback of shares. The three methods that have been mentioned above should be kept in your mind when you want to split dollar life insurance.

Life Insurance Policies – What Makes Them Different

There are several kinds of life insurance that you may find in your country. Life insurance helps you to stabilize your family life after your death. You can choose one type or kind of life insurance. The kind of life insurance begins with the term life insurance. This insurance is used for a specific period, and you pay the specific dollar. The insurance is mostly used by many people for covering a specific event such as paying the education cost of your child. Many people use it for preparation if they death before they complete their child's education. This insurance is the most inexpensive insurance of other kinds of life insurance.

The second kind of life insurance is whole life insurance. This insurance provides the permanent life insurance. If you use this life insurance, you can get the insurance on your lifetime. The other kind of life insurance is universal life. This insurance is almost similar to the whole life insurance. The insurance has additional things that you can invest your money in a money market account. Split dollar life insurance for this kind of life insurance will give you more benefits. The fourth kind of life insurance is variable life insurance. This insurance gives the permanent life insurance, which is completed by account flexibility. You can invest your money and you can borrow from the account.

The next kind of life insurance is universal variable life. This is a kind of life insurance which you have to save dollar for life insurance. By using this insurance, you can control your investment. This insurance provides the premium flexibility. Those kinds of life insurance can be used as your reference if you want to create the life insurance for your future. You can choose one kind which is the best for you. You should think your future. Your future will be nice with the life insurance. Split dollar life insurance every month will be better for you.

The Benefits of Life Insurance for Your Future

For many people, they may do not know the function or benefit of the life insurance. Life insurance gives many benefits for your future. In the above paragraph, it has been explained about some benefits of life insurance in highlight. There are many benefits that you will get, if you use the life insurance. The first benefit is you can get the better future because you split dollar life insurance every month. From dollars that have been saved, you will get the life insurance. The second benefit is you can pay education cost for your children. Several kinds of life insurance provide the facility for paying the education cost for children.

The other benefit of life insurance is it gives the protection for family or children, if someday it happens something bad. By splitting dollar for life insurance, it can help your family if there is premature death. You can ensure that your family will be fine because you have life insurance. The life insurance can be used as the financial security and financial future for your family. It is recommended for you to split dollar life insurance. Saving your money for life insurance is a better choice for you.

You have to choose the company which provides the best service for life insurance. You can ask your friend or business partner where you can get the company which provides the best life insurance. If you work in a company, your company will cooperate with the insurance company and you pay the life insurance by using the tax income. Split dollar life insurance from income tax is the good choice for you.

Split dollar life insurance gives many benefits for you. The life insurance is the financial security for your family if there is a premature death. You can use life insurance for paying the education cost for your children. There are several types or kinds of life insurance. The kinds of life insurance are the term life insurance, whole life insurance, universal life, variable life insurance, and universal life insurance. You can choose the type for your insurance.

Why Customer Service is Important

There is very little talk about why you should consider customer service when looking for a car insurance company.  If you sign up for a new policy on the internet you may go several months without thinking about the type of company you signed up with.  Eventually this will change quickly the day you run into problems on the road.  This could be from someone hitting you on the road or even an accident when your parked car is hit.  At this point it will be more evident as to why customer is important with your car insurance.

Not All Companies are the same

There are many variables as to why you will see differences when comparing customer service.  One of the primary factors relates to the resources that are dedicated in serving customers.  This can translate to how many trained; experienced customer service representatives are available to answer phone calls.  If a company is experiencing a high level of turnover you may be stuck with someone who can’t effectively help you with your problem.  A good starting point to evaluate customer service is how many resources is an insurance company dedicated to servicing questions and claims.  What other areas can be looked at?

How your State Insurance Office can help

With car insurance being regulated by state insurance offices, there frequently is valuable information your state insurance web site will provide on insurance companies registered to do business where you drive.  Whenever a car owner files a complaint against an insurer it will typically end up at the state insurance office.  In addition, the state will monitor how each company is following the regulations for fair practices.  If an insurer is not compliant the insurance office will keep track of these violations and frequently will post a summary of the total violations of each company on their web site.  By spending a few minutes on your state insurance web site, you can get an idea of who customers are complaining about and which insurers are not following the rules of the state.

Look at the Business Model

Another good way to see which company will provide solid customer service is to look at the type of business model they are operating under.  Generally you will see 2 forms of an operating model.  The first is a direct sales model where the insurance company will sell insurance directly to the customer.  A good example of a direct business model can be seen with Geico.  Geico operates with a small amount of local business offices and is able to keep their overhead down because of this.  Most of their support will come over the phone and you will not deal with a direct sales agent for your account.  The second type of business model is where you deal with an agent directly.  This is typically the person who signed you up for your policy and is the person you can speak with if there any questions.  Examples of these companies are Allstate and State Farm.  These companies will typically have a local dedicated agent assigned to support you.  If you have an effective agent this is an excellent way to make sure you are being served effectively.  Make sure you understand how your insurer is setup to help understand how you will be supported.

In Summary

In summary, it will help to spend extra time looking at the insurance company you plan to go with.  A company like State Farm and Allstate may be a good choice if you want an established agent that is familiar with your policy.  If want to save money on your premiums and take a chance on customer service it may make sense to go with a company operating under a direct sales model.

If I switch health plans halfway through the year, can my deductible be transferred or prorated?

Insurance companies are not required to credit money consumers already paid in cost sharing from prior plans but sometimes they do for employer-sponsored replacement policies. If you lose employer-sponsored insurance in the middle of the year, and you've already met your deductible the year, you may want to consider COBRA for the rest of the calendar year and get an individual or family plan during open enrollment.

If COBRA is not an option, you likely will be responsible for a new, full deductible. Generally, health insurance deductibles are not prorated for partial-year enrollees, no matter how few months are left in the plan year. Individual or family qualified health plans run from January through December. There is no way to recoup the additional money you may spend towards your health insurance deductible when you switch plans mid-year after paying the first plan’s deductible. However, sometimes medical and dental expenses like deductibles, co-pays and coinsurance can be deducted from your federal taxes, which will lower the taxes you pay that year.

When you choose a health insurance plan, it will be important to understand what your insurance company covers without requiring you to pay your deductible. Then you can decide whether you want a plan with lower monthly premiums and higher deductible or one with a higher monthly premium and a lower deductible. Many health plans cover some services such as emergency room or routine doctor visits such as preventive care without requiring you to pay toward your deductible. 

Deductible amounts vary by plan and can be separated into individual or family deductibles. Some health plans also cover other benefits like doctor visits and prescription drugs even if you haven’t met your deductible. 

Your best course of action is to read your policy and contact the insurance company to find out more about the health plan’s benefits. 

If you have questions about your plan or your rights as a consumer, you can contact our consumer advocates online or at 1-800-562-6900.

What You Need To Know About Specialty Insurance

Purchasing specialty auto insurance can be quite challenging because these varieties of automobiles are really costly and tough to replace. There are one or two traits based totally on which a vehicle can qualify for specialty automobile insurance quotes.

Original antiques, revived or custom cars, exotic automobiles, duplicates, kit automobiles, race vehicles and hot rods are suitable for this kind of auto insurance. It’s very important that you do a little bit of research before purchasing specialty automobile insurance. This sort of coverage has different traits. Many people who are the owners of specialty vehicles make the blunder of using standard insurance for their cars.

They customarily finish up paying big quantities of cash without getting enough coverage. Whether you have got a classic vehicle, an antique or a collector automobile, it is vital that you check prices for the right policy. Firstly, you really ought to know that premiums may alter based mostly on mileage use.

Additionally, each company features different car insurance rates. Unless you know for certain that your present insurance supplier will give you a proffered rate, start hunting for a specialty vehicle insurer. Bear in mind that race automobiles fall under exotic autos, while hot rods include motor sport type race autos and low riders.

Considering these traits, you’ll be wanting to find an insurance corporation that specializes in classic automobiles, vintage bikes and antique automobiles. Before going purchasing specialty automobile insurance, be ready to provide photographic evidence of the state of your auto. Search for an insurance supplier that features cost-effective rates. Specialty autos have a lower understood risk and a higher value. Since you are less sure to become involved in a vehicle accident, you need to get a reasonably-priced policy.

Whether you visit one or two insurance corporations or talk with a broker, be certain to request concluded Price coverage. When an insurance supplier offers this kind of coverage, he guarantees that he’s going to pay for the total worth for which your auto is insured. Since most insurance corporations will only pay up to that amount, it is extremely suggested to choose an insurer providing concluded Worth Coverage. Looking for this sort of vehicle insurance is a difficult job.


To discover the best specialty auto insurance quotes, use the free search tools available on the Web.

Provide your zip-code, fill in a quick form with details about your automobile and then wait to get quotations from multiple carriers. Gauge each offer and consider the quantity of coverage provided.

Just a few specialty automobile owners are privy to the savings they may have. Ask about the discount which are currently being offered, contact a representative of the company you’ve an interest in and ensure you get a thorough policy. 

The Important Aspects of Travel Insurance with Medical Conditions

When you want to take a travel into some places, it will be better for you to take the travel insurance. It can be found easily around you. One of them is travel insurance with medical conditions. This one is the popular option for people based on some reasons. One of them is the service you will gain through it can help you for covering your medical situation. That will be really helpful for making sure that your travel will be done successfully.

There are some things that must be understood about travel insurance with medical conditions to make sure that you are choosing the best one and the most appropriate one with your situation. It can help you, but it can make you feel confused to choose which one the most appropriate one is. You can get, the deeper travel insurance with medical conditions information below. By the knowledge, you will be easier for choosing one of the offerings to completing your travel.

Basic Information about Travel Insurance with Medical Conditions

Not all people know about the basic information. When you are a woman or you are an old aged person with certain medical problems. Take a travel will be a next problem while you need to complete that. Take this kind of insurance with the special service will make you enjoy more your travel than if you just go. People know waiting during the travel and making a preparation by choosing the right travel insurance is better to be composed.

You can get all information from online sources. Almost all of the travel insurance agents has the online website that is managed professionally. Some of them give the online service for completing the conditions to get the insurance. You can compare the payment and the service offered between one and other insurance companies through online way to get the best choice.

There are some medical conditions that can be covered by the service of travel insurance with medical conditions. That includes the disease like diabetes, epilepsy and even cancer disease. The payment will be higher than the common payment, but the service will give you the guarantee that everything will be with your plan during your travelling time. It will be better for you to consult with a specialist on this insurance before you make a decision about choosing the provider.

People need to input some personal materials. That includes the passport, the identification card, and the travel papers. The payment can be completed by using the online banking. You can reduce the time needed for getting it. The process is simple as long as you know the way for finishing it. If you feel hard for completing it, you will use the service of your assistant for completing it under your name. You will not need to spend your valued time for getting it because the process is really fast.

Some Services of Travel Insurance with Medical Conditions

People who often take the travelling time will be easily for getting the travel insurance with medical conditions service. They have the experience before with this kind of insurance. It becomes the special offering from certain travel insurance with medical conditions companies. You will get the best service by using the same company for your travel insurance. You must choose the most appropriate one from the beginning for getting the additional pleasure like that.

The service offered will more significant when you have a plan for a family travelling. Some companies offer some additional service, including the rental car for making sure that your holiday is really pleasant. Some others do not include that into the service. You must check all of the possible service gained before you choose one. You can make the best plan for your family holiday without the possibility of proposing the complaint that is caused by the misunderstanding. Certain company has the certain policy that will be different between one and another.

One common policy offered by the company is about the duration of the travel insurance. It is ended when you have got back into the country. You must know the limit of your travel insurance. Use your time in the best way. You will not face the difficulty just because you get a problem in your expired time. Some companies offer the kind of multi travel insurance. It means that you may get the travel insurance for one year without needing the renewing proposal to get the service. This one may be the better one to be chosen for your family travel.

There is one thing must be noticed when you want to propose the proposal of getting the travel insurance. That relates into the condition of your family members who will join the travel. If you or one of your family members has the specific medical condition, you must mention it from the beginning. You will get the possible help when you propose your claim. It will bring into the problem when something happens because of that during your travel. Do it in line with the policy offered and you will get all you need.

You have done with all of the information needed to be understood as relating to the travel insurance with medical conditions. The next thing must be considered is about the tips for making the easier process of claiming the insurance. One of the tips about that is that you must fill all of the information needed in your application form honestly. That will help you in getting the service at the time you need it. Lying with your application form is a bad way to completing your proposal.

Cheap Car Insurance 18 Year Old

Cheap Car Insurance 18 Year Old

Where do you start when you are looking for cheap car insurance for 18 years old?  The starting point is whether you will own your car or if you will be driving your parent’s car.  We will review both situations below.  In addition we will explore how to find the right company and explain the best ways to find the cheapest prices on auto insurance for an 18 year old.

18 Year Old Driving Their Car

There will be a strategy you will want to follow when an 18 year old owns their car.  In this situation it will most often be better to have their own policy.  To find the cheapest car insurance for an 18 year old it is best to drive an older car.  There are two main benefits to this.  The first is the insurance company will view the car at a lower level risk as an accident or damage to the car will cost much less.  The second benefit is the 18 year old will be able to increase their deductions for collision and comprehensive coverage.  By raising deductibles from $250 to $1,000 an 18 year old should see savings of several hundred dollars over a 6 month policy.  There are also other ways to save as listed in the next section.

Read Also: Auto Insurance Quotes

18 Year Old Driving Parent’s Car

If an 18 year old will be driving their parents car there are also steps to take to find the cheap car insurance.  All of these steps will apply to the 18 year old if he owned the car himself and had his own policy.  The first step is to have a B average at school.  In addition to having good grade point average, the 18 year old will see lower prices if he or she takes a defensive driving course.  This can be done at his school or taken on his own.  The third area to save money is by keeping mileage as low as possible.  If the 18 year old will be driving little, possible he is close to work or school, it also make sense to review low mileage programs, such as usage based insurance.  The above areas are great ways for an 18 year old to get cheap auto insurance.

Final Step for Cheap Car Insurance

The final step to get cheap car insurance for an 18 year old is to shop around.  Every car insurance company, whether you are in larger city or smaller city, will have different risk profiles for 18 year olds.  It is quite common for one company to offer a low price to one 18 year old and a higher price to an 18 year old driver with a similar driving record.  The only way to find the cheapest auto rates is to shop around and get multiple car insurance quotes.  One of the ways to find the lowest car insurance quotes is by using an independent web site that works with many of the top car insurance companies.  This will allow you get multiple quotes by only spending a few minutes while entering your required car coverage information once.

Read Also: Adding Drivers To Your Policy The Safe Way

Employment Insurance Benefit - to get a Better Culture

Employment insurance - Employment Insurance Benefit is really a program, giving income help for a certain time period. It really is given to those who are employed, however has an extended gap involving unemployment thanks to health problem as well as pregnancy or perhaps guardianship, or to someone that is taking proper care of an immediate member of the family on the verge of demise. The benefit involves regular salary, which can match the basic requirements of life. It is also for anyone, who are work hunting and they are unable to get a job for a specific period of time. The program usually occurs under interpersonal security plan, which is type of social insurance for your needy folks order to stop hunger as well as poverty. This kind of ultimately can be useful for creating a much better society if they won't have any benefit and then there are more likelihood of them turning out to be a risk to the community in order to accomplish their simple needs.

Employment insurance

Membership for Employment Insurance Profit

• There are certain standards to be eligible for Employment Insurance advantage, which includes: One particular shouldn't have forfeited their employment as a result of his/her misconduct however due to depression or the bankruptcy proceeding of the corporation. 
• One should have the particular evidences that she / he have been trying to find work strenuously. They will need to have to show papers to prove that will. 
• One must have paid out the payments in their Employment Insurance consideration, while they have been working. 
• One provides to meet the requirements established by diverse states with regards to their pay and dealing hours.

The aforementioned reasons make person entitled to the benefit, that's 36% of their regular weekly shell out. The insurance pays weekly which is withdrawn just after one month anybody gets a new career or is from the financial as well as personal situation. You need to ensure that you submit a suitable application to your current state's joblessness agency and yes it usually takes a fortnight to get your every week payments.


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Every single good thing is sold with some negatives too along with Employment Insurance benefits have experienced this situation at the same time. A lot of scams or misuse has also been current since the kick off of this system. Many people present fake files and never try to find work, which can be considered to the most important abuse on this benefit. As a result, agencies watch these people along with continuously inquire to find a job or even sometimes also aid them through arranging interview for them. That’s all about Employment insurance.

Be Wary Of Questionable Car Insurance Quotes

Be Wary Of Questionable Car Insurance Quotes

Each state in the U.S. Needs automobile insurance. Most agencies won’t even let you leave the lot till you can prove you have got or are at least in the act of getting, automobile insurance for your car(s). But simply because you must have automobile insurance does not necessarily imply that it is not hard to get.

Lots of factors are used in determining the price of insurance and if a company will even offer you a policy. Often, the expenses appear to rise seriously due to factors you never thought about, like age, sex, and others, which make getting insurance more of a problem than it should be. Naturally, there are occasions when you get quotations from agencies that appear too fantastic to be true, particularly when you simply went to several sites and got a much more expensive price. Here are some ways in which you can spot bad auto insurance quotes so you can get a policy that works.

Please Read Also: Auto Insurance Quotes

If the quote appears too fantastic to be true, then it most likely is. Bad vehicle insurance quotes have a tendency to show policies that are far below the ones that come from other agencies. This may be a red flag for you during your search.

What the cheaper car insurance and prices could mean is that the company could be making up the low premium by getting the cash in alternative routes, like charging more for corroborations, processes, and so on. What it could mean, and this is worse for the individual getting the policy, is that the policy the company is presenting doesn’t cover everything that it should.

This may leave you short in the final analysis. An alternative way to identify bad automobile insurance quotes is if the company or site never asked for particular info regarding the driver or drivers of the automobile. All sites and firms sometimes ask for a similar info at first, sex, age, prior driving history, and so on. But when you have got thru this beginning stage, it’s the corporation’s responsibility to assemble as much info from you as feasible so as to establish the right policy and the correspondent premium.

Read Also: If You Are In Need Of Insurance For An Upgrade – Follow These Steps

The final way you can spot bad vehicle insurance quotes is if the company never asks if you can physically go in for a face to face with an agent. Though there are a large amount of net sites that provide insurance, each company has a physical location.

If you detect this particular company hasn’t got a physical location and instead has a P.O. Box or no address at all, the quote they furnished you is no good.

More about Insurance 

Cheap Car Insurance Under 21

Cheap Car Insurance Under 21

Once you have a few years driving experience it should help you find cheap car insurance for someone 21 or under.  Along with driving experience there are some other important areas to look at in order to find the cheapest rates available.  Three of the best areas to review are the type of car you drive, your mileage monthly or annual basis and how to find the best deal by working with different insurance companies.

Car Value & Coverage Levels

If you have a choice it is best to drive an older car that won’t cost as much to fix.  Two great areas of driving an older car relate to the deductibles you can choose as well as the cost of your premiums.  In driving an older car it will easier to choose higher deductibles for collision and comprehensive coverage.  Collision coverage tends to cost the much and by adjusting your limit a level, say from $250 to $500 will go a long way in saving you money each time you renew your policy.  A car insurance company will assign a lower replacement value to an older car and that will also show in lower premiums.


Please read also: Cheap Women’s Car Insurance

Should Car Insurance to Be Fixed or Variable?

One of the great new benefits of technology in car insurance over the last few years has been the growth of telematic devices plugged into your car to measure how many miles you drive, what time of day you drive, how often you brake and how fast you drive.   

Maybe you have seen the Progressive commercials called Snapshot?   Snapshot and other similar programs charge based on how often you use your vehicle as well as other factors such as speed or braking.  If you are a student living close to school or have a short commute to work wouldn’t you prefer to pay less than someone driving several hours a day?  These programs, typically called usage based insurance, are great ways to keep car insurance cheap for drivers 21 or under.  Car insurance companies, such as GMAC claim savings can be higher than 50% for a driver with low mileage.   Each company will have their own unique program and since car insurance is regulated by the state, you will also see differences from state to state.  It is best to check on the available usage based programs in the state you live in to take advantage of car insurance being a variable expense.

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Cheap Car Insurance Under 21

Most states in the US have over 100 car insurance companies registered to sell car insurance.  As a business, most are eager to get new customers and grow their customer base.  Just look at all the commercials and advertisements we are bombed with on a daily basis.  A great way to benefit from all this competition is jump online to a web site that will offer numerous free quotes for a 5 minute investment of your time.  This will provide access to many companies and help you find Cheap Car Insurance for someone under 21.


Read more: Adding Drivers To Your Policy The Safe Way

Three Reasons to Opt for Liability Only Auto Coverages

Three Reasons to Opt for Liability Only Auto Coverages - This might make you wonder what the heck, or why the heck people get this type of  insurance over, say, full coverages. There are some good reasons and many of them, but let's just stick with the three that best explain this. Perhaps the most common reason is a money issue: liability car insurance quotes and coverages are a lot cheaper than full coverage insurance, so for those who are trying to stay legal with their ride, but have budget issues, it can be a smart way for them to go. Another good reason is perhaps you have a really old car, and you don't really care if it gets totaled out in the event of an accident; this coverage would be ideal for you then. Lastly, perhaps you have a car you never drive but you want insured, just in case. This would be another great reason to seek out such insurance so that you can at least legally drive that clunker once in a while when and if the need presents itself. 

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An Easy Way to Instantly Find Liability Car Insurance Quotes

The reality of the world - or at least most places in it is as such: generally speaking you are not able to legally drive your car nearly anywhere unless you have proper insurance coverage. But the good news, or the headlamp at the end of the tunnel for all puns here, is that finding liability car insurance quotes and getting insured in this modern day and age is actually rather easily accomplished. A great place for you to start looking for quotes, and perhaps the most time saving and effective method is by seeking them out online.

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Some simple web searches can net you dozens of really great companies that offer all sorts of different kinds of liability insurance quotes that you can generally get instantly. Even better, there are some companies that will even insure you instantly online and allow you to print proof of insurance cards so that you are street legal with your ride in no time at all. The best part: liability car insurance is generally very affordable, so no more excuses if you are not currently insured, because you can easily find and get this insurance in minutes online these days!

More Information about Car Insurance 

Why Lie in Filing a Car Insurance Application?

Why lie in filing a car insurance application?

While Millennials are more inclined to prevaricate than their elders, women and men lie to insurers.

Surely, car insurance is expensive, and in one survey, almost two-thirds of the drivers who submitted false info to insurers said they did so to save cash. A Consumer Federation of America report found that most motorists pay $500 annually for coverage, and many shell out more than $1,000.

Mendacious motorists have many methods to cover up inconvenient truths which could make them pay higher rates. Occasionally, it’s a matter of failing to admit to having injuries or traffic tickets. Other times, applicants fib about where they house the auto or who else will drive it.

If people such as a claim files, though, the insurance company likely will find outside them. Their investigators will create a huge effort to check whether their application was exact. They stand to get their policy rescinded and civil fraud penalties are possible.

Read Also: Cheap Women’s Car Insurance

Rates are set using a whole slew of variables other than one's driving record. Folks frequently are asked, for instance, to supply their credit history, the average variety of miles they drive and their vehicle’s year, make and model.

The goal of supplying false information – to make oneself look like the automobile of one and a much better driver appear to be a better threat – is a tempting, if dubious, strategy for pushing insurance premiums. But it’s one that’s fraught with its danger: being found out. Omit the drunk driving citation you got? Fake that the junker is a more roadworthy automobile with lower mpg?

On the surface, the likelihood that the car of someone will run into trouble seem not large. As well as the nation had 212 million licensed drivers. That means a motorist has about a 3% probability annually, of getting involved in some form of accident. The question is whether the motorist desires to trust in fortune, year in, year out.

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Typical Lies Motorists Tell
Often, policyholders who are telling a whopper state that a blunder was made by them or simply forgot to include something crucial in their own history. Automobile insurance companies, of course, have heard such stories before; their likelihood of getting lenient treatment is slim to nonexistent.

Below are some common omissions and untruths that will bring about a policy that is lost, inability to get fines, new coverage, a legal order to pay back premiums – even jail time:

- Injuries or citations.
- Who the primary driver is
- Just how many miles you drive.
- The way you make use of the vehicle.
- Where you really live.

Not being honest with an auto insurance carrier may seem benign, along with the settlement in lower premiums may make the small white lie appear rewarding. But if that person files a claim, he/she very likely is going to be unmasked, and the results are harsh.

Read Also: Adding Drivers To Your Policy The Safe Way

Cheap Women’s Car Insurance

Cheap Women’s Car Insurance

How can you quickly find cheap women’s car insurance?  There are many aspects that will determine how much you for car insurance.  The state you live will influence pricing as well as driving violations, how often you drive, and the car you insure.  Some of situations will be beyond your control; below we review the best ways to quickly find cheap car insurance for a woman.

Keep Payments Low

If you are on a tight budget and don’t have a lot of free cash a good way to find cheap car insurance is by requesting month to month payments.  When signing up for car insurance you will have the option to pay for your premium at one time or to pay installments.  If you are quoted a 6 month rate of $400, you will have the ability to pay the $400 when signing up or pay six monthly payments of about $67 each month.  A good way to handle monthly car insurance is by requesting systematic payments, such as the 5th day of the month, from your checking or savings account.  This will minimize month to month fees and help avoid missing any payments.  Visit no down payment auto insurance to learn more about maintaining your cash level.


Please Read: Auto Insurance Quotes  

Mileage is a Good Way to Go Cheap

One of the best ways to help manage and keep your ladies car insurance cheap is monitoring the amount of mileage you drive.  Some car insurance companies will not reward drivers who don’t drive as much.  When looking for cheap women’s car insurance it is best to work with car insurance companies who are willing to adjust your pricing based on how often you drive.  The savings can be over 40%, or be 10% by just switching to a company who will honor the amount of miles you drive.  Each state in the US will have different insurers who offer low mileage or usage based insurance.  For a complete review of usage based insurance and how you can benefit visit the low mileage car insurance review.

Can You Save On Coverage?

If you are driving a newer car, it may not be best the idea to limit your coverage.  However, if you are driving an older car there are ways to find cheaper car insurance.  The starting point is to verify the value of your car by looking to see what the blue book value is.  From here you can determine how high collision and comprehensive deductibles can be.  If you have an older car not worth much you should look at the savings of not having carrying these deductibles.  Maybe, you can increase deductibles by $250-$500.  Increasing deductibles, especially collision, can save hundreds of dollars every year.  A second benefit of having higher or no deductibles is you will likely file fewer claims.  Car insurance companies will commonly provide lower pricing to drivers having fewer claims.

How Cheap Becomes Cheaper

Just like finding a good deal on clothes or shoes take a little extra effort, so will finding a cheap car insurance for women.  To make the leg work easier, it is best to utilize the power of the internet by working with strong independent web sites. A few minutes investment will allow you to enter your personal and driving information once and receive multiple quotes back.  From here it is matter of picking the best quote and moving forward.  It is prudent to get in the habit of shopping every 12 months to keep your current insurer honest.

Please Read Also: Adding Drivers To Your Policy The Safe Way