• August 31, 2016 /  Insurance & Tax
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    Getting surrogate insurance coverage, that is, medical insurance to cover the surrogate pregnancy, can be tricky. There are a few different options for obtaining practical surrogacy insurance, depending on the situation of the surrogate mother and intended parents.

    First, if at all possible, plan to use the surrogate mother’s existing health insurance policy, probably thorough her employer or her husband’s. Most health insurance policies will cover a surrogate mother, as their own insured, while she is pregnant. It is frankly none of the insurance company’s business how she got pregnant!

    But some insurance companies are going out of their way to prevent surrogate motherhood. Take a copy of the surrogate’s insurance benefits booklet to your surrogacy attorney to verify if you can use this policy.

    If that doesn’t work, there are a few more ways to obtain surrogate insurance coverage. The easiest, and least expensive at this point is to purchase a regular individual plan from a local insurance agency. Watch, again, for exclusions with surrogate motherhood. Also, sometimes these plans come with a 6-12 month waiting period before they will pay for pregnancy.

    It probably should be mentioned that the insurance policy an intended parent carries, most likely through their employment, will not cover the pregnancy of the surrogate mother, regardless of the fact that it is their biological child. The surrogate mother is not the insured party.

    There are some surrogacy insurance policies specifically designed for surrogate mothers. These policies really only insure a worst case scenario event, cost thousands to purchase, and come with deductibles in the $5,000-10,000 range. Some intended parents choose to add this sort of policy onto an existing surrogate insurance coverage.

    But what happens when a surrogate mother and her intended parents believe that they are covered, get pregnant, and then find out there was an error and her insurance company refuses to cover the pregnancy? Or what if she loses the coverage halfway through the surrogate pregnancy?

    There are not too many private insurance companies out there willing to insure a preexisting condition, such as an already pregnant woman. (And if you find one, please let me know!) The options are few in this situation. The intended parents can either pay for the rest of the medical bills in cash, hopefully negotiating a better rate directly with hospitals and doctor’s offices, or they can purchase a discount medical card.

    A discount medical card will save the intended parents some considerable money, but it is not the same as having actual surrogate insurance coverage. Still, it’s a terrific option for those in this sort of sticky situation, and can be obtained after the surrogate mother is already pregnant.

  • August 29, 2016 /  Small Business
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    Voice over Internet Protocol (VoIP) is a method of electronic communication that is rapidly increasing in popularity. Used to make phone calls, VoIP technology uses a computer’s internet connection, rather than a cellular wireless or traditional wired telephone line. This technology is used not only by personal consumers, but also by businesses small and large. Here are 5 tips for using VoIP to improve a small business:

    1. Use One Company for Internet and Phone – Any modern small business has a website and is likely already paying an internet service provider (ISP) for access to the internet. Rather than negotiating prices and dealing with customer service for two services, a company can save time, effort, and money by using their internet connection as their phone service provider as well.

    2. Save Money on Long-Distance and International Calls – Unlike traditional telephone companies, VoIP services work regardless of the distance of the call, so pricing is not dependent on the number of local, long-distance, or international calls. This means that international calls, which can be especially expensive, can be handled without incurring additional costs. For small businesses that do business internationally or have business partners overseas, this can mean an enormous cost savings.

    3. Better Voice Quality – Because of the nature of the medium and the wires that transmit the signals, VoIP services can provide cleaner, better-sounding phone calls than traditional phone companies. While it might not seem like a big change, having crisper more professional phone calls can be the edge a small business needs to win over customers or seal a big deal. Dropped calls or poor-quality calls, on the other hand, can devastate a company’s business.

    4. Simplify Things for the Technical Staff – For small businesses, the internal technical staff is usually stretched thin at all times, and should be outsourced when possible. Keeping a business up and running smoothly 24/7 is no small task. Consolidating one’s internet and phone systems can provide a significant advantage, in terms of time and sheer number of technologies to monitor, to a company’s technical support and services team. For small businesses that don’t even have a dedicated technical staff, having a single number to call for technical support, rather than multiple numbers, can simplify things considerably. Prompt service and skilled technicians are key.

    5. Additional Features Included At No Extra Cost – For starters, useful calling features like conference calls, call forwarding, and caller ID are all included for free. Additional features like video calls and video conferencing are also easy to add to VoIP services.

  • August 28, 2016 /  Small Business
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    All types of businesses, be it home based, manufacturing or a start up business, must have online presence today. Small Business Websites have the possibility to appeal new customers and have many growth opportunities.

    What is needed is to make these websites attractive to project a very good image of the business and they should be able to present the exact business activities in a very professional manner. For this, the content material must be full of important information.

    There are quite a few website designing companies that provide professional service but out of those companies, choosing one such company that would serve your requirement is tough. Prior to getting into any kind of agreement with these web designing provider, one needs to be certain of the quality of services in the long run and also availability of the support staff. The contract need to be handed over only if the business owner is comfortable with everything the firm offers.

    The most important thing to have Small Business Websites would be that the firm developing such websites should have a knowledge of buildig websites for small businesses, SMEs and individuals so that their performance and competence could be checked. It is important to make sure that they look after the needs of the small business and listen to the marketing aspect also.

    Such websites hold the ability to create recession proof business so that in times of volatility the marketability of businesses doesn’t get affected. The design of the website can be optimized for the search engines and are accountable to rank high in SEO parameters.

    Since a designed website gives the initial impression to a customer about a item, it should be created very carefully. The first impression to website visitors with well designed websites is far greater than that of an in house website and thus it can bring in much greater business.

    The cost factor is also accountable for driving a website. The setup and maintenance costs should be estimated properly and competing prices should be compared thoroughly prior to engaging a firm to build a website. It’s prudent to compare the prices of few other web designing agencies to select one that designs Small Business Websites at a fair price and one that understands how to market your business.

    One more essential thing to consider is the after sales support. Also, they are supposed to give one month free post sales service to make alterations if needed. Even there should be provisions for add-on features like ecommerce, SEO and others.

  • August 27, 2016 /  Finance & Investment
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    One of the kinds of scams that the government is quick to crack down on is foreclosure consultants offering false loan modification services to homeowners facing the loss of their homes . While the government is providing its own modification programs, it is also going after a number of fraudulent schemes that have been used to trick borrowers .

    There are a large number of scams that target foreclosure victims, but the loan modification one may be the easiest for the criminals to engage in. The general way it works is that borrowers pay hundreds or thousands of dollars for the services of a loss mitigation company. After signing the agreement and taking the payment, however, the company provides almost no services, resulting in the borrowers losing the property.

    Many mortgage modification scams are almost entirely made up of borrowers paying money to a company which then sits on the cash, performs almost no services, and simply disappears or denies giving a refund after thehomes is auctioned. There are hundreds of complaints about such companies, and it seems as if the attorney general of one state or another shuts down a new one every week.

    However, there are some differences on the theme, as well. For instance, some loss mitigation companies will take borrowers money and obtain an unaffordable modification program, even if there is a chance to negotiate with the financial institution for a more beneficial arrangement. The company obtains the first, easiest modification possible, presents it to the borrowers, and declares its work done. Unfortunately, though, an unaffordable plan will not help borrowers remain in their houses.

    Another variation on the scheme is simply to charge borrowers to attend loan modification seminars. This may be as part of a larger program to help them negotiate for better loan terms, although the seminars can cost upwards of several thousand dollars. If the borrowers do not attend the seminar, they will not receive help from the foreclosure scam company, which will blame the failure on the borrowers.

    A final scam related to loan modifications that is being heard of more often is companies charging for loan audits that are performed by someone other than an attorney. Information provided in these audits is also often unnecessary, as the claims that the borrowers are encouraged to raise are barred by the expiration of the statute of limitations for that particular argument. For thousands of dollars, borrowers are told what will not work in defending their homes.

    Unfortunately, many borrowers are taken in by these and similar scams every day. States are most often behind in prosecuting and shutting down these companies because there are simply so many of them, and the dollar amounts they steal from borrowers are relatively small. Thus, it is up to the borrowers themselves to make sure they are dealing with a trustworthy company or individual who is offering them foreclosure help or negotiation services in the pursuit of a loan modification or other workout option.

  • August 26, 2016 /  Insurance & Tax
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    Young drivers are notoriously difficult to insure for a reasonable rate. Why? Because, statistically, young drivers get into more accidents than older, more experienced drivers. But there are things you can do to ensure that your young driver pays less for car insurance. Here are 9 ways to get cheaper car insurance for young drivers.

    #1: Compare Rates Between Companies

    Number one on your list when you are looking for a lower car insurance rate for a young driver should be to compare rates between companies. Some insurance companies are young driver “friendly” and some are not. Locate the lowest priced car insurance company and switch to that company.

    #2: Get More Experience

    It may seem like a bit of a Catch-22, but young drivers who have more experience may be eligible for lower rates on their car insurance. But it is impossible to get more experience without driving for a while on a higher rate plan, right?. Ah, but there is a way to get around the “more experience” criteria inherent in just about every car insurance plan.

    Sign up your young driver for an extra class in driving to get a discounted rate on car insurance. Classes like Pass Plus are a great way to ensure that your young driver gets extra driving instruction and experience. Many insurance companies offer special discounts for young drivers who have completed such a course.

    #3: Add and Adult

    Young driver insurance rates are typically higher when there is not an older adult as primary on the insurance plan. Add an older adult – a parent or an older sister or brother – to get cheaper rates on insurance for your young driver.

    #4: Drive a Base Model Car

    Anyone who has had car insurance knows that the fancier the car, the more expensive it is to insure that car. Although every young person wants to drive a flashy car, young drivers should stick with only base model cars at least for the first few years of driving; they are simply cheaper to insure.

    #5: Install a Tracking Device

    Although as a whole the category of drivers that includes young drivers is viewed as a risky pool of drivers to insurers, not every young driver is a risk. To show insurance companies that they are smart, safe drivers, many young drivers have volunteered to install tracking devices in their cars that give their insurer a picture of their driving habits. In return, the insurer generally offers a discounted rate.

    #6: Lower the Level of Coverage

    Older, experienced drivers typically enjoy cheaper rates. For this reason, a comprehensive coverage plan is far more affordable for them. But to insure a younger driver on a full coverage plan can be cost prohibitive. Insure your young driver with a plan that covers only liability to get a cheaper rate.

    #7: Raise the Deductible of the Plan

    Consider an insurance plan with a higher deductible for your young driver. Higher deductible plans are, as a rule, less expensive than lower deductible plans.

  • August 26, 2016 /  Finance & Investment
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    Along with the growth in the Real Estate market, Dubai has experienced simultaneous growth in its home finance sector in the past three years. According to a recent study by EFG-Hermes the current outstanding loans stands at Dh 11.5 billion. It is estimated by the Egyptian investment bank that the UAE housing finance sector will grow by Dh 14bn in 2007, Dh 18bn in the year 2008, the growth is estimated to be Dh18bn in 2009 as well and Dh 14bn and Dh 17bn in the years 2010 and 2011 respectively. These figures have been derived based on an expected population compound annual growth rate of about three percent. The most dominant forces in the Emirates home finance market are Amlak and Tamweel. They account for over 35 and 25 percentage of the industry respectively.

    The Real Estate boom of the emirate has left the world spell bound, EFG-Hermes predicts that the total growth in the Real Estate should exceed the figure of Dh419bn in the years between 2008 and 2011. It has also been said that Dh 64bn will be funded through credit. The national bank of Dubai has tied up with Dubai properties for the sole purpose of finance apartments which are bought in tower H. Tower H is a primary tower for residential purposes at Business Bay in the project of the executive Towers. This tie up of the national bank of Dubai and Dubai properties, is more than welcome, as this tie up will ensure easy financing terms for the people who are aspiring to buy apartments in tower H. These easy schemes will mean that people will be able t finance their dream homes with no obligations of interest repayment. In this case the loan is made available for 85 percent of the property price of a sum of 4 million AED, whichever is lower. This loan is provided for a period of 20 years.

    Dubais Islamic bank (DIB) and Al Islami home finance are also witnessing high demands from the retail customers. They have recently launched solutions that aim to meet the requirements of retail customers. These customers include both the UAE nationals and expatriates who are keen on buying property in the UAE freehold property market. In response to this high demand of the people, DIB has announced the launch of Mobile Mortgage Advisors. They are a team of mortgage sales expert who will be providing valuable consultancy at the customers door step.

    Al Islami finance has launched finance solution products such as the forward Ijarah and Ijarah. Through the Advanced Eligibility Process customers get a right to choose their finance limit without first having to choose the property. The Dubai Islamic bank caters to the needs of a diverse customer profile. Also the al Islami home finance provides up to 90 percent finance and a maximum tenure of loan repayment of 25 years depending on the eligibility of their customers.

  • August 26, 2016 /  Banking & Money
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    Test Bank is effective for the students because it provides the necessary questions and their answers for the students for their preparation for the exam. It provides the different types of questions and their answers. The answers are solved out thoroughly. They are very much helpful for the students. There probable questions and their answers. They are solved out in the test bank. Test bank is popular. Students can get help from the test bank. They can make their preparation for the exam also. It can be considered as reference book also. The students are happy to get the test bank.

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    Christopher Ameji has been associated with providing the content on different kinds of solutions manuals for all the US & international textbooks. The author is primarily dedicated to providing the sources that help the students get the answers to their both even & odd problems given in their textbooks.To visit for Test Bank.

  • August 24, 2016 /  Banking & Money
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    Buying bank foreclosures may not look attractive at first since it entails a lot of paperwork on your part and the prospect of dealing with a financial institution that has taken back someone elses home seems daunting. However, you have to take into consideration the rewards of navigating financial and legal hurdles since it is not often that you may be able to buy a pretty spacious house with a garden in a nice neighborhood for half the price of its real market value.

    Such opportunities are a goldmine for investors too as prime real estate that are cheap and hard to come by. A tidy profit can be made if you are willing to flex some muscles.

    Where to Look for Bank Foreclosures

    It may seem very hard to find bank foreclosed properties out in the open, but when you know where to look, you can find great deals on homes and other properties for sale.

    Banks may have their own list, but it may be too tedious for you to comb through the whole lot of them separately, especially if you live in another town or state. Your best bet is to look for REOs in listings. These lists are a treasure trove of information and save you a lot of time and effort. These consolidate repossessed homes for sale per location or per state. It is also easier to find the homes you are looking for as you can already do the process of elimination and selection by browsing the list.

    Checking Out the Property

    Take a look at the bank foreclosures that you are interested in. Inspect the condition that they are in and try to get an estimate on the cost of repairs. Have the entire property appraised or talk to an agent and compare prices of similar homes to see if you are really getting a good deal.

    Dealing with The Bank

    Try to engage the services of an agent who has experience in dealing in bank foreclosures. Some lending institutions may not be willing to talk with an unrepresented prospective buyer like you and there may be some financial issues that you may not be conversant in.

    If all goes well, you can negotiate with the bank for a lower price on the property. These foreclosed homes can also be acquired through cash basis, installment or through lease with option to purchase.

  • August 24, 2016 /  Banking & Money
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    The concept of cord blood banking can be considered a boon to mankind. Placenta and umbilical cord that used to be discarded by doctors after delivery has now become a lifesaver. These organs are said to have a lot of potential and the cord blood stem cells collected from them can treat several pediatric disorders.

    Disorders that can be cured with cord blood:

    There are several disorders that can be cured if you decide to get your baby’s cord blood stem cells stored after delivery. Some of them include: Multiple Sclerosis Stroke Cerebral Palsy Spinal Cord Injury Beta – Thalassemia Cardiac Diseases Diabetes Parkinson’s Disease Renal Cell Carcinoma Acute/ Chronic Leukemia Plasma Cell disorders Alzheimer’s disease Renal Cell Carcinoma

    Procedure of cord blood banking:

    Baby or the mother will not experience any pain during the collection of cord blood. The procedure is safe and it just requires few minutes. Once the baby is born and the umbilical cord is clamped and cut, cord blood is collected immediately. A special bag is used for storage.

    What are the benefits of cord blood banking?

    There is no doubt that the process of banking the cord blood is expensive but if you look at it as an insurance of investment for your child’s future, the cost won’t matter. There are many children all over the world who suffer from lymphoma, leukemia, thalassemia, sickle cell diseases and other disorders that can be treated with cord blood transplant. All these kids can be cured if cord blood stem cells were stored during their birth.

    How expensive is cord blood banking:

    There are many families that cannot afford to pay for banking cord blood stem cells. Private banking is high in rates since the storage procedure is complex. Cost is one of the main concerns that stops many families from benefiting from cord blood banking. A lot depends on the type of cord blood bank you have chosen. For instance, StemOne is one of the leading cord blood banks in India that has been successful in offering this service to many families since 2005. You can contact the bank for their rates and more information about their services.

    So, if you really want to make sure that your child’s health is secure after his birth, take the pain of finding more information on cord blood banking.

    Author Bio: Indrajit Roy is the business development head of StemOne, India. He has a bachelors degree in molecular biology and been actively involved in this field for several years. He likes to share ideas and recent developments in the field of stem cell treatment and cord blood banking through writing.

  • August 23, 2016 /  Small Business
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    An Efficient Mailroom Can Help Grow Your Small Business

    Enterprises often waste money on mail even though franking machine prices are low, and its computer interface can streamline a mailroom.

    Every enterprise needs an efficient method to track costs: how much is spent, and where. Small, medium and large enterprises must all do this and most have franking machines.

    Inefficiency wastes money, time and always means additional costs. Even medium and large enterprises often run inefficiently; this is an unnecessary drain on resources especially when renting a franking machine prices can be as low as 15 per month. And in addition, franked mail is 30% cheaper than stamped mail.

    Lets Talk About Performance

    Franking machines are quieter and more efficient than ever. The technology is neater: they are no longer the hulking eyesores that people expect. They dont take up as much space – for small businesses a franking machines can be a sleek desktop device.

    The latest generation of franking machines are a wide range of models to suit any business. Franking machine prices have to reflect a businesss budget and are graded by the quantity of mail the business sends out per month.
    A weighing platform makes sure you never pay more postage than you need to, which is one reason why a lot of stamped mail costs the sender more than it should. The weighing platform is controlled from the password protected control centre; here you allocate mail into pre-programmed accounts, eg: public relations department, and can review their account history over a 13 month period.
    Franking supplies – ink toner and labels – are as inexpensive as franking machine prices, but you can reorder them using the control panel.

    Small Businesses With Low Requirement
    If youre a small business with a low budget and requirements you can find franking machine prices as low as 5 per week. Often these include a free trial. NeoPost offer trials of their award-winning Autostamp 2, for example.

    Small Businesses With Medium Requirement
    Small businesses sometimes send more mail than larger companies – it depends on the nature of their work.
    For medium requirements, the U40 is not a bad option at all. It uses digital inkjet technology so can frank a clean logo onto your mail, which is useful for marketing purposes. And if your requirements increase you can attach extra parts many franking machines are scalable, and come with scalable franking machine prices too.