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Should You Use a Charitable Gift Annuity? By : J. R. Randolph A Charitable Gift Annuity is a contract where an individual (called a donor) gives an irrevocable gift of value (cash or other asset) to a qualified charity and in return receives a charitable tax deduction. For this gift, the charity agrees to make a payment of a fixed amount of money to the donor(s) for the remainder of their lifetime. These annuity payments are not considered "income" and a portion of each payment is considered to be a partial tax-free return of the donor's gift, which is spread over the donor's lifetime. The gift becomes a part of the charity's assets and the payments are a general obligation of the charity. The annuity is not just backed by the value of the contribution, but is backed by the charity's entire asset base. When the donation is in the form of securities, the value is determined by the fair market value on the date of the gift. Insurance For Home Car And Health - The Not So Hidden Importance By : Andrew Wills The most popular insured risks are: home insurance - to protect against risks of flood, fire, theft, or occupier injury; car insurance to hedge against risk of accidents, theft, or personal injury; and, medical insurance to help safeguard the health of you and your family in times of medical need. In the event of, for example, a home fire, the monthly insurance premium paid for home insurance (and in particular fire insurance) becomes insignificant to the cost of buying a new home. Why Is Your Car Insurance So Expensive? By : Nicholas Hunt Car insurance is an unavoidable expense, and seems to get ever more costly. By examining what insurers are looking for in a customer, you should be able to cut your premiums. Family Health Insurance – Things to Keep In Mind By : Arturo R Health insurance is a vital part of your fiscal planning. Ma minor illness or injury may not affect your financial status to any great extent. But a major illness or accident might require payment of cosmic amounts in the form of medical bills that may seriously offset your family budget. Being adequately covered under a health insurance plan provides unsurpassed peace of mind. How To Obtain A Heath Insurance Quote By : Arturo R Insurance quotes form an integral part in the selection of an insurance provider. Obtaining a health insurance quote is a very easy and painless procedure. Making use of the information availed through the quotes and selecting the right insurance agency can be a tough battle of curse. Health insurance has emerged as a competitive sector and all the insurance companies eagerly present free quotes to help prospective customers decide on the coverage and price that suit their needs. Getting a health insurance quote takes only a few seconds, and the steps to be followed are as simple as a child’s play. It's Time to Understanding the Value of Life Insurance By : Jimmy Wild When someone dies, there will typically be an identifiable financial loss. It might be the primary income for a family. Or, it might be the intrinsic value of the person who was responsible for the care of children or a feeble adult... Discover The Art Of Shopping For Car Insurance By : Jon Arnold Car insurance is a requirement in most states, so do your due diligence and make sure you are getting the best value possible for the money. Just because you found it online does not mean it is comparable to what your local agent agent quoted. Tips on saving your money when buying a new car By : Jimmy Wild The automobile is certainly a wonder of twentieth century technology. It has made its place in our American history. Though not as well known, a whole industry had to be created to effectively market this fairly expensive luxury to the general public. Products and Completed Coverage - What it pays for By : Jimmy Wild For businesses, insuring themselves against potential lawsuits can be vital to their success and survival. In particular, small companies are increasingly at risk to be nailed by major lawsuits or claims from former customers that may leave them bankrupt or struggling financially. It is best for businesses to look into all areas of insurance to make sure that they are covered against any possible problems that may arise. Having to deal with an unexpected insurance claim can be damaging to a company, particularly if the business does not have insurance. Disability Insurance – Statistics about Insuring Your Most Valuable Asset By : Kingston J. Amadan Never has there been more unanimity from financial experts, educators, media on a financial strategy than the advice to insure one’s most valuable asset, one’s future income, with disability insurance. A look at the statistics tells you why. Most people don’t know the actual data of the likelihood of disability or the devastation that a loss of income can cause. Without getting pessimistic one can still take a rational look at one’s own life and see what would happen if income stopped for a long period of time or worse, for the rest of one’s life. Top 10 life insurance shopping tips By : Kade Phillips Who should buy life insurance? If you can answer yes to any of the following questions, then you should consider buying life insurance. Low Cost Health Insurance For The Self Employed By : Arturo R The freedom of having one’s own business, the liberty of being the master of your own self, can be extremely invigorating. However, like every good thing comes with a catch, the freedom of being self-employed is also marred with the anxieties over health insurance. When you are self employed, it becomes even more essential to obtain a low cost health insurance scheme. Life Settlements Can Give Retirees Flexibility By : Tony King There is a lot of discussion these days about Life Settlements as a way to get rid of old life insurance policies while gaining some cash. While this sounds like a great option for many people who no longer need the coverage a specific life insurance policy provides, it isn't a perfect fit for everybody. Understanding Temporary or Short-Term Health Insurance. By : Jimmy Wild There are a variety of reasons that you may find yourself in the market for temporary or short-term health insurance. You may have graduated from college and can no longer be covered on your parent's policy, but don't have a job yet that will provide coverage. You may have lost or left your job and now need health insurance coverage until you find a new one... State funded Health Insurance for your child By : Jimmy Wild For a lot of parents, the answer is individual or job-based health care insurance coverage. Unfortunately, many of these plans aren’t as comprehensive as people might think, and your child may not be covered. If that is the case, you will have to increase your coverage or look to state-funded health insurance, which can provide medical insurance security for children of working families – those who may earn too much income to qualify for Medicaid assistance but not enough to realistically handle medical care or even ongoing private insurance.... Universal Health Care: What Is It ? By : Jimmy Wild A universal health care must meet certain requirements to work well in the United States. We must include the entire population, which would include men, women, children, and immigrants. No one should be without it. This program could be wide open to discrimination so we must make sure it runs smoothly and corruption isn't anywhere to be found.... State Insurance Pool: Can it help you ? By : Jimmy Wild A “State Insurance Pool” is a ground-breaking program that secures insurance benefits for all individuals, even those who are considered to be high-risk by the insurance industry. Quite often referred to as “Guaranteed Access Programs“, these pools are unique plans created by individual state legislatures in order to make available a sturdy safety net for those folks to whom the dreaded term "medically uninsurable" has been applied. A guide to Travel Health Insurance By : Jimmy Wild You now are the proud owner of a health insurance policy through your place of employment, but you have no clue what anything in it means. You start reviewing the policy and it gets more confusing as each word is read. This happens too often to a lot of people and it shouldn't. Insurance policies for the most part are simple to understand if you know the language they speak. Now if you don't that's another story. Let's get started and see if we can help you make sense of your new health insurance policy. A guide to understanding your Health Insurance Policy By : Jimmy Wild You now are the proud owner of a health insurance policy through your place of employment, but you have no clue what anything in it means. You start reviewing the policy and it gets more confusing as each word is read. This happens too often to a lot of people and it shouldn't. Insurance policies for the most part are simple to understand if you know the language they speak. Now if you don't that's another story. Let's get started and see if we can help you make sense of your new health insurance policy. Fraud Busting at 12,000 Feet, The Fraud Chronicles 5: By : Tom Reitze Workers Compensation costs are a crisis for US businesses today. Many states have passed major reforms to try to ease the burden on businesses. One reason Workers Comp costs are so high is because of fraud. One size Health Insurance does Not fit all By : Jimmy Wild Health insurance coverage and associated costs vary greatly based on whether the insurance is an individual policy (for the self-employed/unemployed), for a small businesses (from 2 to 50 employees), or for a large group. Coverage for group plans is far more comprehensive and considerably less expensive because there are more people paying into the insurance pool making more money available group-wide to cover medical claims. DavidMorse.com Fraud Chronicles 12: Hey Mister, Put Down That Tire Iron By : Tom Reitze Insurance fraud hurts everyone. When someone lies about being disabled, or worse yet, collects disability benefits while going out and getting another job and working, that inflates the cost of insurance for everyone. Life Insurance. What does this mean to you? By : Jimmy Wild For some it means security, knowing that their family or business is safe should they unexpectedly pass away. For others it conjures up images of pushy salesmen and confusion about what they are buying. Your Insurance Policy and Earthquakes By : Jimmy Wild If you are a homeowner in the United States, you may think that your homeowners insurance covers you in the event of any major catastrophe that may strike your home. Think again. In the United States earthquake damage to homes is not covered by standard homeowners insurance. How to Supplement an Existing Long Term Care Policy Without Paying Premiums By : Robert D. Cavanaugh, CLU Many seniors have long term care policies that pay only for a couple of years. Here is how to extend the coverage for life without premiums coming out of pocket. FraudChronicles.com 4: Where Can You Hide in the Middle of a Field? By : Tom Reitze “Finding the bar was easy, but soon I was striking out once again. Asked about land I “heard” our claimant had for sale, the bartender knew nothing. The few patrons in the place knew nothing. I stepped back into the dusty street with an uneasy feeling and not one good idea of where to go next. Shopping For Health Insurance By : Arturo R Health insurance is always a good thing to have. Some might say that it is mandatory to have one for you and your family. With the ever-rising medical costs, having an insurance (or load and loads of money!) seems to be the only way with which one can afford decent medical care. But getting the right health insurance is not so easy. 5 things you Must Know before you choose your Health Insurance! By : Jimmy Wild Making a wise decision on which Health Insurance Policy to buy may seem like a confusing task, but if you consider just these five most important items you and your agent will both find that you are a Savvy Buyer! These items are your KEYS to picking a policy that's right for you: 10 Things to consider when choosing a Health Care Plan By : Jimmy Wild You have decided it’s time to buy health insurance and it can be a very daunting task to figure out everything. Here are 10 of important factors you should consider when you choose your next health care plan. Five Excuses People Use For Not Buying Long Term Care and Why None of Them Hold Water By : Robert D. Cavanaugh, CLU Are you guilty of advancing excuses for not addressing your potential long term care needs? If so, see how five common ones stand up in the real world. The Role of the "Health Insurance Broker" By : Jimmy Wild A health insurance broker is just like any other type of broker; this one just happens to specialize in the field of health insurance. A broker is somewhat like a matchmaker. His responsibility is to match up those seeking health insurance with health insurance companies that most closely match that person or group's needs. Be careful, Don't be victimized by Health Insurance Fraud! By : Jimmy Wild It's unfortunate but true: health insurance fraud is common in our society and it's not always possible to protect yourself from becoming a victim. In fact, most people won't even know they've fallen prey to health insurance fraud until they submit a claim for a medical service that they think is covered under their policy... How to Find Affordable Health Insurance for individual? By : Jimmy Wild Shopping for affordable health insurance can certainly be an eye-opener. If you have always had a health insurance benefit where you work - especially a state or federal employee - and now have to buy your own, you may not be able to afford the level of health insurance coverage you have become used to. When your Health Insurance Doesn't cover your medical care… By : Jimmy Wild While it's true that the costs for health insurance coverage continue to increase, having a health insurance plan will save you more money in the long run. But no health insurance plan will cover every medical treatment... Steinvestigations.com PI Chronicles 1: The Smoking Gun By : Mitch Hermann This is Part 1 of the "PI Chronicles," stories of interesting investigation cases from the archives of Stein Investigation Agency (http://www.steininvestigations.com), one of the country's oldest and best private investigation agencies. FraudChronicles.com 3: The Wicked Witch of Insurance Fraud By : Tom Reitze Appearances can be deceiving. Some older lady may remind you of your grandmother, that is, until she starts filing fraudulent insurance claims. At that point, the proper action is not to throw water on her, but to document the fraud and turn it over to the insurance company and the authorities. DMAClaims.com Fraud Chronicles 10: Diagnosis - Fraud By : Tom Reitze Occasionally a person gets traumatized in the workplace, and a psychiatrist can't figure out what's wrong with them. But sometimes, it's so simple that it eludes the "professional" with the supposedly advanced degrees, but is plain as day to someone else: they're just faking it. Health Care Costs is Rising - What you need to know By : Jimmy Wild For many Americans who are unable to afford the health care they need, rising costs represent an ever-increasing barrier to medical services and products. Good Driving Habits to Help Tucson Drivers Stay Safe and Keep Their Auto Insurance Premiums Low By : Kade Phillips Unfortunately, we’ve all heard of, or know of someone who has been involved in a car accident, which left in its wake, a trail of aggravation, inconvenience, higher car insurance rates and possibly even serious injury and long term suffering. Perhaps you have even been the unlucky victim of such a tragedy yourself. Hybrid cars and beyond, will new technology make any difference to your auto insurance rates? By : Kade Phillips At kanetix, our interest is in insurance, so we keep our eyes open for any new developments that may affect the auto insurance industry. Recently, rumors of a breakthrough by a little known company called EEStor caught our attention because of the far reaching implications of the technology they may Three Ways to Buy Long Term Care Without Paying Premiums Out of Your Pocket By : Robert D. Cavanaugh, CLU Know you need long term care but can’t afford it? If you think with me outside the box, you will find that there are ways to pay for long term care without taking the premiums out of your budget. FraudChronicles.com 2: You Insulted My Equipment! By : Tom Reitze When a person commits insurance fraud, by claiming to be injured or disabled from a work-related incident when they are not, honest people suffer through higher insurance premiums. It is estimated that 25% of all insurance premiums go to pay for fraudulent claims. DMA Claims Services Fraud Chronicles 9: Busted on Fairway Five By : Tom Reitze There's something about the idea of someone living the high life, while out on a fraudulent disability claim, that rankles those of us who have to work for living. DMA Claims Services Fraud Chronicles 8: Greasy Spoon Film Busts Fraudster By : Tom Reitze The whole point of Workers Compensation insurance is to pay benefits to people who have been injured on the job, and cannot work. But what if someone is not really injured, and actually can still work? David Morse & Associates Fraud Chronicles 7: Perils of Car Maintenance By : Tom Reitze Insurance fraud is a crime, defined as "when someone knowingly and with intent to defraud, presents or causes to be presented, any written statement that is materially false and misleading to obtain some benefit or advantage, or to cause some benefit that is due to be denied." FraudChronicles.com 1: Dancing on Disability By : Tom Reitze Insurance fraud is one of the biggest problems facing the insurance industry today. It is estimated that between 10% and 33% of all insurance claims contain some element or degree of fraud. Each year, fraud costs the insurance industry $96 billion. Landlords: The benefits of Emergency Home Assistance insurance By : willroy No more 3am wake up calls! Why Bother with Travel Insurance if you're a Canadian Travelling Within Canada? By : Kade Phillips Whatever your politics, whatever your religion, and whether you’re wealthy or not so well off, we Canadians are indeed a blessed people when compared with most of the rest of the world. David Morse & Associates Fraud Chronicles 5: Fraud Busting at 12,000 Feet By : Tom Reitze Workers Comp costs are a true crisis for businesses in the US today. Many states have had to pass major reforms to try to ease the burden on business. Investigative firms like David Morse & Associates (http://www.davidmorse.com) provide surveillance on suspicious Workers Comp claims. Nearly 4 Million drivers would swap penalty points By : Swinton Group A staggering 3.7 million* motorists – 12% of the drivers on UK roads - would ask a relative or friend to take speed camera penalty points for them if they were facing a driving ban
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