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Tips for Choosing the Right Health Insurance in the Midst of a Pandemic

In the midst of this uncertain situation, it is undeniable that health is one of the most valuable things that must be maintained. In addition to keeping your body healthy and free from various diseases, extra protection is needed so that you and your family can still enjoy a calm and comfortable life. One of them is to prepare health insurance .

Currently, insurance companies are always trying to innovate and give birth to various new insurance products that can be chosen by the wider community. This is done to be able to provide options according to the needs of users. Then, how to determine it? Here are tips on choosing health insurance that you need to know.

1.Understand Your and Your Family’s Needs

The first tip in choosing health insurance is to understand your needs first. This will certainly make it easier for you to find a choice of insurance products in the midst of an uncertain situation like this. By understanding the insurance needs that you need, then you can get the maximum benefit from the insurance product. In addition, don’t forget to study the services provided by insurance companies in detail.

2. Make a Comparison

With so many companies providing health insurance products, of course you will have a variety of options to consider. One of the tips for choosing the best health insurance in the new normal era that you can do is to make a comparison list. By doing this, you can see the differences between each insurance product more clearly, so you can more easily find the best health insurance product that suits your needs.

3. Find out the Credibility of the Insurance Company

Next, tips for choosing health insurance in the pandemic season that you can do is to study the credibility of the insurance company first. This is important to do so that you avoid losses that may occur in the future. Therefore, make sure to choose insurance products from companies that have good credibility and reputation.

One of the insurance companies with high credibility that you can choose is Zurich Indonesia. Zurich offers a wide range of general insurance and health insurance products and services to choose from. One of the insurance products that can be chosen is Zurich Smart Care. Zurich Smart Care provides life protection as well as investment, complemented by additional insurance for comprehensive protection according to the needs of you and your family. Interesting right?

4.Choose Health Insurance with an Extensive Hospital Network

In addition to ensuring that health insurance products can provide maximum benefits for your needs, also note that the registered hospitals have an extensive network. Do not make the mistake of choosing health insurance that offers a lot of disease protection but is only limited to a small number of hospitals.

5. Have Flexibility in Determining Premiums and Benefits

Tips for choosing the next health insurance is to pay attention to the flexibility offered. Choose a health insurance product that allows you to change premiums or benefits flexibly. This will certainly make it easier for you to adjust your financial plans in the future.

6.Has an Easy Claim Process

Next, tips for choosing health insurance in the pandemic season that you can do is to pay attention to the claim payment system. Good health insurance not only offers protection for the risk of disease, but also in realizing the benefits of protection with an easy claim process . An easy and straightforward claim procedure can be an option for you to save time and reduce the burden of thinking if something unexpected happens in the future.…

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What Government Regulation Could Do to Your Portfolio

What Government Regulation Could Do to Your Portfolio

Did you see the rally in bank stocks earlier this week? Don’t be fooled. It won’t last long. I’ll only think differently if we get some great follow through – and I’m just not seeing it. Bank stocks have been falling for the last year. We’ve said it time and time again, stay away from the banking stocks. First it was sub-prime loans. Then it was the credit crisis. Then Bear Stearns collapsed. Rumors about Lehman are now followed by concerns over Fannie Mae and Freddie Mac.

Don’t touch these stocks. You’ll notice that I used a long term view. Just because the market has rallied over the last few days doesn’t mean we should jump right back into the quicksand. You’d think we’d be through the banking mess by now. But we’re not. I’ve got new concerns that many haven’t thought about. These new concerns are being caused by the Government in a lame attempt to help. It happens all the time. Markets always move to an extreme. Then when they blow up everyone looks to the government to save their hide. This time is no different. Unfortunately government assistance comes with strings attached. Just look at the SEC. They weren’t even a glimmer in anyone’s eye until after the stock market crash of 1929.

That opened the door for subsequent securities regulations and rules. Today is no different. Just last week Fed Chairman Ben Bernanke indicated that the emergency lending provision they put in place for Broker Dealers might be extended. They hope – and that’s all it is, hope. The hope is that the financial markets would view this as a supportive move. Unfortunately this is the first step towards permanent government involvement. All it’s going to do is add additional restrictions and regulations. So how might this impact the market? If broker dealers become more regulated by the government, the first thing to change will be capital ratios. Right now as the big broker dealers operate, their oversight is voluntary between the SEC and the company. It’s likely the first move government would make would be to increase minimum capital requirements. They dictate these ratios in the traditional banks, why not the broker dealers. By implementing mandatory liquidity levels all you’re going to see is their business model seriously challenged. What do I mean?

Follow me here for a moment. A broker dealer has a certain amount of money – it’s their capital. This capital allows the company to place trades on behalf of their clients, make loans, provide margin, and basically run the business. It also allows them to enter into profitable financing transactions with their corporate clients. In reality their capital is rarely at risk (on certain transactions) but it serves as an important backstop. Capital requirements limit the amount of leverage broker dealers can use. I know it’s confusing. Here is what you need to know. If capital requirements are increased broker dealer profits will fall. If profits fall, company values fall. Why pay twice as much for half the earnings? And that means your stock will head lower. Realistically, if a broker dealer has their capital requirements increased they have only two options. First, they can raise more money. Not a good thought in today’s market environment. What investor wants to see a company they own dilute ownership?

The only other option is to reduce their leverage. If they reduce leverage they can’t process the very transactions they make money from. This means lower profits. What companies will be impacted most by this government oversight? The list is long, but here are the top names: Goldman Sachs (GS), Merrill Lynch (MER), Morgan Stanley (MS), and Lehman Brothers (LEH). Before taking a position in any of the financial stocks everyone needs to know this new challenge. Here’s the interesting government oversight is only starting to be discussed. Who knows what other restrictions the government will place on the broker dealers. I’d wait for these new developments to ripple through the industry before taking any position in these stocks.…

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General Checks to Make on Your Car

General Checks to Make on Your Car

The winter weather tends to have an adverse effect on our cars which means there is a greater need for us to check that everything is OK regularly. There are some checks you should make to ensure your car will run as smoothly as possible, and they can all be done by yourself so there is no cost for checking them. Our cars can be a very expensive piece of equipment so reducing costs where possible is important.

Your tyres are one of the most important checks you make as they have a big effect on the running of your car. Deflated tyres mean your engine has to work harder therefore you use more fuel and with fuel prices on the rise, this is something you need to avoid. Check the tyre pressure once fortnightly and you can do this by using a good gauge or air-line. Check your car manufacturers’ handbook for the correct levels and always check for cuts on the tyre.

Don’t forget that the spare wheel will also need to be looked after, as you never know when you are going to need it. The recent weather conditions can play havoc on the tyres so regular checks should mean you avoid any problems. Engine oil is something that should be checked before any long journey and at least fortnightly too. The dipstick will show you the required oil level and if it is below this level then you will need to top up.

Wipers and screenwash are very important, especially during the winter. If wiper blades are not looked after, when you come to use them the accumulated dirt will be distributed over your windscreen making it hard to see. Screenwash is also important to check so that you can clean your windscreen thoroughly, try and use a recognised screenwash additive as water will not clean well enough and is likely to freeze in the winter.

Check your lights on a regular occurrence to ensure they are in full working order. This includes indicators, fog and brake lights. These are essential checks to make on your car to minimise the risk of running into troublesome situations whilst driving. The winter weather poses enough problems so anything that we can do to avoid problems should be done especially when they are easy to do and cost nothing. Drive carefully this winter and make sure that your car is running at its optimum capacity.…

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Top 5 Ways to Save on Heating Bills

Top 5 Ways to Save on Heating Bills

As home heating costs go up, so do the number of people looking to find ways to cut down on their heating bills. If you are one of the millions of people worried about rising heat bills, there are a number of easy ways to cut down on your home heating bills.

1 Clean Your Furnace: Maintaining an energy efficient furnace is a key component to reducing heating bills. A furnace that works too hard will cause an increase in your heating bill. Getting a professional to clean dirt, oil, and other debris from the furnace as well as the air ducts will make your furnace run more efficiently thereby reducing how hard it works. As well, replace a dirty furnace air filter. A dirty air filter prevents air from traveling throughout the home which causes the furnace to work harder to heat the home.

2. Maintain a Constant Temperature: Setting your thermostat at a specific temperature will ensure the furnace is not constantly running. Constantly changing the temperature raises your heating costs, lower the temperature by a degree or two at night and wear warm clothing. As well, cracks and holes that cause air from the outside to blow in will cause the furnace to run. It is essential to properly seal air leaks throughout the home. Check for cracks around fireplace. If there are cracks, seal them with caulking.

3. Turn on Ceiling fans: If you have ceiling fans, you should turn them on because heat rises so the fans will help circulate the warm air throughout the room. A ceiling fan set in reverse can disperse warm air through your home. As well, close the vents in rooms that are rarely used so you are not wasting heat. Keeping the warm air in rooms that you use will help reduce heating costs.

4. Make Minor Furnishing Modifications: During the day, open window shades and curtains to allow the sun rays to come in. Weather-strip doors, windows, and attic and basement doors, to prevent heat from escaping and cold air from coming in. Seal gaps around wires and pipes. Apply caulking to baseboards to prevent heat from escaping. Wrap heating ducts with duct tape and insulation around pipes. Insulate floors over unheated spaces such as the garage, attic, and basement. Use compact fluorescent light bulbs. When not using an item such as an appliance, lights, and the television, turn them off. When you leave the home for a certain period, turn the heat down and make sure everything else is turned off. Make sure the furniture is not blocking any heat vents and preventing heat from being distributed throughout the room.

5. Make Machines More Efficient: Run full loads in the dishwasher and clothing washer and dryer. Acquire insulation wrap to insulate your water heater. When you are ready to replace a machine, purchase an energy efficient one. As well, use a programmable thermostat that can be programmed to decrease the heat when one is sleeping or away from the home for an extended period of time.

During these trouble economic times, most people are looking for ways to tighten their budget. By implementing a number of heat saving measures, one can significantly cut down on their heating bills.…

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The Importance Of Selecting The Right Accounting And Tax Software For Small Businesses

The Importance Of Selecting The Right Accounting And Tax Software For Small Businesses

When a small business is just getting started there are a million different things that need to be done to ensure that the business has a smooth start up process. One thing that tends to get over looked is the importance of selecting the right accounting and tax software for the small business.

Business owners need to have a way to keep track of money being spent as well as the money coming in. The last thing owners want is to have a situation where expenses are not covered due to misinformation about the amount of money in an account.

No matter the amount of success a business may have the one thing that will hurt even the best is the lack of proper recording, and keeping up with the accounting. Many business owners fall victim to issues such as being under the impression that there is more money in their account than there really is. When it is time to pay employees the owners discover that the funds simply are not available.

Record keeping is a big reason why tax and accounting software is so important to have in the operation of a business. When it comes time for a business owner to select software, there are a few things they should keep in mind. There are many different versions of tax and accounting software. Deciding which is appropriate for an owner depends on the business’ needs.

Owners need to be sure the software purchased contains features needed to maintain their daily records. A great way for owners to help decide on the best software is by asking other small business owners. Other business owners can provide insight as to which software may be appropriate.

Price is also an important factor to keep in mind. There are software packages in price ranges to fit all budgets. Owners can achieve the desired results with a less expensive package. Owners only need to ensure that the software they choose is the most beneficial.

Small businesses that have an accountant can ask them for a recommendation as to the best software that will work for the business. This will not only eliminate frustrations for the owner, but will also help the accountant in the long run.

These tips are important when considering the right accounting and tax software for small businesses. The more knowledgeable a business owner, the more prepared they will be when it is time to make a decision. This important decision, in turn, will lead to organization as well as ensuring everything is well documented.…

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The Best Car Deals – Low Finance Rates Vs Rebates – Which Should You Choose?

The Best Car Deals – Low Finance Rates Vs Rebates – Which Should You Choose?

How To Get The Best Car Deals:

Quick tips that will help you at the car dealer:

How to understand Rebates and low financing offers:

Vehicle MSRP: Manufacturers Suggested Retail Price – This price is always negotiable – don’t ever agree to pay MSRP

Exception: Some vehicles that might be “hard to find” or “limited in production” might be sold by the dealers at MSRP or, sometimes higher. This is usually called Market Adjustment.

Manufacturers Rebates: This is your money and has nothing to do with discounts given by the dealership. This money is given to you directly from the factory. Never let the rebate be used as a negotiation tool by the dealer. Any discount or negotiation from the dealer should be separate of any rebates offered.

Low finance rates: 0.00% 1.00% 1.9% etc… These are called Sub-vented rates, they too are offered by the factory and not the dealership. Do not allow a “low” finance rate to be used as part of a negotiation by the dealer. These rates are granted over and above any discounts, rebates, etc.

Exceptions: There are several exceptions to Sub-vented finance rates, but here are two that you really should be aware of:

1. Not all people qualify for these rates. So, if you suspect that you might have some issue that will cause you not to qualify, there is nothing wrong with expressing to the dealer that the low finance rate is something you are interested in, and you would like to apply first, before going through the long, timely steps of deal negotiation. Many dealerships will view this as unusual; however, any “good” dealer will be happy to let you submit an application first if you insist. Why is this important? As we always say, knowledge and preparation are the keys to not overpaying at a dealership. What happens if your entire deal is worked, negotiated and finalized with the dealer? Then you head over to the finance office to finalize the finance terms and payments… You expected to pay 0.00% interest, then at the last second you are told: “Sorry” because you don’t qualify… NOT GOOD THE WHOLE DEAL CHANGES.

2. Rebates and “low” finance rates can not always be combined. Some factories allow it some times, however there is no rule; you must do your homework first. For instance, Chrysler offers manufacturers rebates on most their vehicles, plus they offer low finance rates on most vehicles as well. Though, you the customer must decide which offer you want, you can’t have both. Although, sometimes Chrysler will run special offers that allow you to “combine” both the financing and rebate offers at once. But be careful, dealers won’t always tell you that these offers are available, if you are unaware and you agree to pay higher finance rates, you are stuck.

Commonly Asked Question: Which is the right choice, Rebate or Low Financing?

This is an interesting question asked by many customers, the answer is simple yet many people have no idea.

Remember this rule: You should do what’s best for you, do not ever inquire with a person, dealer, or anyone else that has any other motive than what’s best for you.

What that means is this: When you ask a dealership which makes more sense, the dealer will likely tell you: “Take the rebate – not the low interest rate.”

The reasoning behind this answer is, if you take the rebate you are actually paying “less” for the vehicle than if you elected the low interest rate. So, being that the vehicle price is the most important issue, you should always take the rebate. Is this correct or incorrect?

Rule: Don’t be concerned what the dealer is making or losing, it’s not relevant to what’s best for you.

Does the dealership stand to gain more if you chose the rebate vs. the low finance rate? The answer to that question is yes, the dealership does stand to gain more. They receive a little more in “reserve money” from the lender if you chose conventional finance rates. The fact is however; that this point is completely irrelevant. Who cares what the dealership is making? Why is that important anyway? Is there some rule that says a dealership is not entitled to make profit? The only person who is doing something wrong in this scenario is you. You’re asking the wrong party for information. If the complete and honest answer might cause the dealer to make less, chances are more than likely the answers will be carefully weighed to fall on their side.

Remember: Your concern is getting the best deal for you, don’t waist time caring about what the dealership makes. Prepare yourself by …

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Save $10 Per Day and Become a Millionaire

Save $10 Per Day and Become a Millionaire

Can you pass a candy or soda machine and not purchase something? Can you go to the mall with your friends and not come home with something? If your friends invite you to the movies, can you say no? Do you spend your entire paycheck? Do you have long-term goals such as buying a car, going to college or buying a home?

The fundamental building block to personal wealth is learning to live below your means. In other words, SAVING you money! That’s it! That’s the big secret to becoming prosperous. Granted, there’s the question of what to do with the money once you have it saved; but if you cannot adjust your living expenses so that you create and maintain a regular saving plan, there’s no need discussing the rest. I am sure that you will find the appropriate investment such as a home or retirement.

What if, every day you put your spare change in a piggy bank, jar or box? How much do you think you would have at the end of a month? If you invested your money earning an average of 7%, you could reach your goal. You could earn $5,394.00 in ten (10) years saving $1.00 per day and you only invested $3, 650.00. Long term save $10 per day and by the time you retire (50 years) you earned $1,587.699.00 and only invested $182,000.00. New cars cost over $20,000 and houses/condos cost more than $300,000. But once you get in the habit of saving, you can increase your savings to meet your long-term goal.

A good rule of thumb is save ten (10) percent of your earnings. When do you want to own a home? Setting a reasonable time frame such as by the age of 30 is the first step. How much do you think you will need to buy your first home? If you put 10% as a down payment, you would need at least $30,000. If you invest as little as $20 per week for twelve (12) years and earn as little as 7% per year, you will reach your goal of $19,906.00. You only need to add $100 and you met your goal. Congratulations.

There are many saving techniques that can make it easier to achieve your goals. One of the best techniques is setting up a payroll deduction from your paycheck into your savings account. What you don’t see, you don’t spend! As your savings accumulate, you can automatically invest your money. You are now on the road to meeting your goals.…

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The Basics Of Forex Trading Interventions

The Basics Of Forex Trading Interventions

Central banks continue to sustain their big role in modern day’s Forex market, even after losing absolute control to trading ranges in late 1980s. Here are a few hints that every Forex trader must know. Since the dark days of the Bretton Woods Accord, a time when currencies were bound to each other at a 1% range, foreign exchange markets have gone through a big change. In the past 30 odd years, the globalization of the economies, the technological breakthroughs and the staggering growth in investment funds and commodity trading advisors have expanded the daily trading volume in Forex to trillions of dollars.

Central banks make use of Forex for a number of reasons; one of which is making payments. On the contrary, when Forex exchange is involved, the trader’s focal point goes to market interventions. People usually wonder if central banks are involved in profiteering at all, because of the way they manipulate specific currencies when foreign exchange is at the summit and lowest point. However, even if major central banks are often successful with long term because they never speculate in Forex, they typically lose in the short and medium terms. Their actions are often for keeping exchange rates from getting dangerously low, which has a negative effect on exporters, and restoring orderly conditions in the market.

Only foreign exchange is involved with unsterilized, or naked, interventions. The Fed, for example, only conducts Forex with countries with external currencies like Japan and Europe. However, in addition to the effect on foreign exchange rates, an intervention has a rather unpopular side effect to major central bankers, as seen on monetary supplies. Because of this, economical levels often require significant changes to pricing and interest rates. A naked intervention always leads to long term effects.

A sterilized intervention, however, promptly reflects onto the monetary supply, making it a tool of choice for traders. Sterilized interventions are known for short to medium term effect, but that is more than enough in foreign exchange.

If not done wisely, interventions can also affect traders negatively. Interventions can be both damaging and beneficial at the same time, so understanding the concept behind it is very important. Central banks may reverse the trends, slow it down, or intervene with the market to provide liquidity and protect specific levels from variation. Because central banks promptly answer to compromising trends, traders are restricted from expecting a mechanical approach.

In case of a crisis, a currency pair or several currency pairs may be affected, thereby throwing off the market either in terms of pure havoc or imbalance between the pairs. In case one side of the pair goes astray, central banks are there to supply it and keep the market running. However, there is no guarantee the bank will operate this way. In case it does, do not expect the bank to cover the entire market losses, as they will only be there to provide a minuscule backdoor for traders.

Actually, central banks don’t have total control of where the market may lead; they are only capable of making interventions so as to influence the pace of the trend. Volatility acceleration has a rather reflexive effect on momentum funds; as it increases, so does the other one. In turn, central banks will aim for the speed of movement, and not its particular direction. To slow down a plummeting trend, for example, a bank might purchase stocks in minute amounts sequentially. In which case, traders are going to take advantage of the bank’s intervention by selling now, and buying back their stocks when the trend recovers.…