Saturday, March 13, 2010

Protect your business by insuring

Having any type of business is a huge responsibility. And sometimes it is correctly said that not everyone should be involved in business. It is important to stay wise and keep your eye on everything, Safety and supervision can never be out of proportion here. But that is not everything you need to think about. There are other important details that need to be taken into consideration. You might have already heard about liability protection but you don't know what exactly that is and how to behave with it. Let us take you into the world of insurance for a moment and show you what there is for you to choose from.

You probably wonder who it is for. More than 78% of the businesses located in the United States of America are categorized into partnership or sole proprietorship. But if you think about it this bring more pressure and risk in lives of small business owners. When you have a good insurance you can at least know that your professional part of life is highly protected. Financially it could be ruined but it will stay safe with a good insurance.

But don't let anyone give you wrong ideas about anything. You might have heard that you will be totally protected from personal liability but in reality you can be personally liable in the following cases:
  • When you have signed a personal guarantee for a loan
  • When you cause damage to somebody
  • When your actions can be considered as illegal or do not contain any moral side
What is the liability insurance and how to trust it?
BLI (Business Liability Insurance) will help you when you run a small business that is threatened by a lawsuit for property damage and personal damage. What it will do for you is cover all the damages from the court together with the legal payments. You can totally trust it and it is highly recommended by small business owners as it gives the needed protection in a very short period of time.

But of course the Business Liability Insurance can be of various types.
There are three that we would want to tell you about - first of all there is General Liability Insurance. This is the main one as it usually covers you from injury claims, property losses and other sorts of troubles. This type of insurance is like a summarized one but if you think you need something more specific or your situation is unique you should shop around for other insurance type.

Professional Liability Insurance is perfect for business owners that are likely to have any problems due to their business type. This coverage will sort their malpractice, errors, negligence and omissions out and will give the business owners some peace in their souls. Sometimes this insurance is even obligatory. But of course everything depends on your specialty. In some of the US states doctors are required to have this insurance.
And then the last but not the least - Product Liability Insurance, It is when you sell or manufacture products that need protection in cases someone becomes injured or hurt while using these products. This is a very important insurance for the retailers. But if you aren't one you should get what you need.
You can get business insurance quotes from our site and email us any questions you like. We will be ready to help. Business insurance quotes could be also found on general insurance web-pages together with the feedback from those who applied for them.

© 2010 Ranjan Kumar

Thursday, March 11, 2010

Earning money was never so easy

An amazing site that gives you money for free, your social networking skills will help you multiply your income, and the monthly check will give you the boost to lengthen your string,  the longer your Geostring is, the more money your bank account will be showing.  So, how does this system work:

GeoString pays you for each person you refer, and each person they refer!
This trend takes place through 10 full levels of referrals with unlimited width.
Your FREE income potential with GeoString is unlimited and with no costs to you!

Use this calculator to find out your free income:
Number of people
you refer
Number of people
they each refer
through 10 levels
Your FREE earnings

How it works:
GeoString is an online marketing company. Our sponsors pay us to put their message in front our members. In turn, we pay you for becoming an opt in member of our program. The advertising revenues from our sponsors make it possible to pay our membership base for doing nothing more than creating a free account, referring others, and opening the once weekly email from our company.

When do I cash out?
You'll be simply amazed how fast your free paycheck accumulates with this program. The reason your paycheck accumulates so fast is because it's absolutely free for anyone over the age of 16 to open an account and start earning money today. We even give you $10 instantly credited to your account just for registering with us! Because account balances accumulate so quickly, we pay you everytime your account balance reaches $100. If your account balance is greater than $100 at the end of a month, a check will be mailed to you on or before the 10th of the following month (Example: your balance is $450 at the end of April, your check will be mailed on or before May 10th). Paying at these intervals puts less of a strain on our accounting department and insures more efficient payments to our members.

© 2010 Ranjan Kumar

Wednesday, March 10, 2010

How to choose a life insurance policy?

There are so many life insurance options out there that one can spend a lot of time on just choosing what type of life insurance they need. But before you even start thinking about your options, decide whether you need life insurance at all. It's the most important decision concerning this type of insurance, because if you don't really need it then it's better to go without it altogether. But if you feel the need to keep some of your life aspects covered then get ready for a deep investigation of the life insurance market.

How can one determine whether they need life insurance? It's not that hard like you would imagine. This decision depends on your current responsibilities you bear. If you have dependents, a spouse, a mortgage loan or any other aspects that should be secured no matter what, you will definitely find it useful to buy life insurance coverage.

Once you have decided on buying life insurance, it's time to determine how much coverage you actually need. It's important, because the amount of coverage carried by your policy strongly affects the cost of your policy. There are no strict rules and methods of defining the amount of coverage as there are many factors involved (number of dependants, your income, your loans), however you can start with multiplying your annual salary by 5-10 to get an approximate number.

Deciding on the type of insurance you would like to buy is also a complex question that needs detailed analysis. Most insurance experts agree that younger people with no serious obligations and serious health risks should consider term life insurance. Term policies are a real cheap life insurance option, however they do not carry any additional cash value besides providing a death benefit. Whole life insurance policies offer cash value and additional investment options, but are much more expensive, especially in the first couple of years after signing them. So define your real insurance needs and choose the type of insurance that appeals to you the most.

When you have strictly defined what policy you want to get, don't rush getting it from the very first insurance company you can find. Shop around and make sure to get plenty of insurance quotes from reputable companies licensed in your state. You will be surprised to learn that the very same insurance policies with the same coverage amounts can be priced quite differently between companies, and it's a really great way to get cheap life insurance. Some insurance companies will offer discounts to customers that already have other types of insurance policies with them. So if you have homeowners or auto insurance with a company that also provides life coverage, it may be a good option for cheap life insurance in your case.

Remember that the more time you spend considering and comparing your options, the easier it will be for you to find a policy that you will really be happy with. Don't rush with your decision and get the offer you really think will match with your needs without any compromise.

© 2010 Ranjan Kumar

Sunday, March 07, 2010

Health Insurance for Children

As soon as President Obama took control of the White House, the combined majorities in both chambers were used to enact the Children's Health Insurance Program Reauthorization Act of 2009. As has become the norm, the Republican party opposed the law. So, now that we have one year of experience, it's interesting to revisit the Act to see whether this allegedly socialist measure has worked for good or the evil predicted by the GOP. The purpose was to help the millions of children whose parents had fallen on hard times and could no longer afford private family health plans. In effect, the recession was creating an underclass of children who were potentially uninsured. By making an immediate transfer of funds to individual states, local governments were able to expand their own medical coverage programs to admit more families in need. The current estimate is that about 2.5 million children were allowed into either Medicaid or the Children's Health Insurance Program. This was achieved by a simple change.

All but two of the 50 US states have used the additional federal funding to cover a family of four where the parents earn up to $48,000. This is significantly more than the national poverty level and allows more people into the state schemes albeit, in all but nineteen states, the parents must pay a small monthly premium and some out-of-pocket expenses. Despite increasing the family income threshold, the extent of the coverage has actually reduced in fifteen states. The politics of entitlement is always a complicated affair. The CHIPRA process has required some states to dismantle some of their bureaucratic barriers. Fast track or express lane procedures have been put in place to avoid long waiting lists and delays. With streamlined enrollment, children have been added to the programs on the basis of immediate need, with the follow-up work of verifying family status and income being completed later. The President's wish to make the children the main focus of attention has been respected.

At an administrative level, there is an improved system for the exchange of information between states, and between states and the federal agencies. The intention is to create a full Electronic Health Record for every child so that, no matter where the child presents with symptoms, his or her records can be made available. If this system can be implemented, the expectation is that the quality of pediatric health care will improve and medical costs will be reduced as the flow of information will improve diagnosis without the need to go through detailed tests every time. There is a budget of $33 billion allocated to cover development of an improved health care delivery service for children.

This is a good report card for the first year of additional and targeted funding. Even though some state governments have resisted the federal plan to increase accessibility to Medicaid and CHIP, the number of children newly admitted is encouraging. So, if none of the quotes you receive when you use this site's search engine offer you cheap health insurance, do not give up. Federal and state funding is available to ensure that your children get the medical treatment they need when it is needed. Of course, this is not going to help if your family earnings are too high. In such cases, the only cheap health insurance available may have more limited coverage. If you have to pay, shop around to find individual doctors or clinics who quote the lowest prices for different treatments. Money can be saved if you take the time to use the internet search engines.

© 2010 Ranjan Kumar

Friday, March 05, 2010

Paypal back in India again

Good news for all the Indians. After a few weeks of intolerable suspension, Paypal is back serving Indian customers once again. In fact, yesterday after nearly a month I got my $10 payment from Blogsvertise, which I had almost lost hope of getting because of Paypal's activity suspension in India, but things are back to business again for all you bloggers and Neobux users. Start asking for your payment once again.

But the operation has become a bit of complex now because to withdraw the money you have to give your transaction reason to the Paypal which then submit the information to Reserve Bank of India to safeguard India from unauthorized foreign currency influx.

The payments stay banned for Indian PayPal users (Business, Premier and Personal Account Holders). The overseas clients can now pay the Indian users through "Pay for Purchases" (Goods or Services) tab, completing PayPal checkout at your website or by responding to PayPal "Request Money" instructions (invoices).

Most of the Internet users like me will take a big sigh of relief after getting their Paypal account once gain getting good luck for all the fellow Indians, keep using Paypal as your most trusted money broker.

© 2010 Ranjan Kumar