Posts Tagged ‘Right’
Yard artist defends his right to self-expression
January 27th, 2012
Yard artist defends his right to self-expression
… 13 and 12 — he gets food stamps, hits the food shelves, and has medical coverage through Hennepin County. Coasting on no cash income, he is looking for a lawyer to fight the City of Minneapolis and have his renter's license and livelihood restored.
Read more on Twin Cities Planet
8 Essential Tips To Help Accidental Landlords Keep Their Finances Intact
"A lot of times, tenants won't carry renters' insurance because they think the landlord is responsible for their belongings and that just isn't true," Charlebois says. If they know what's good for them, they'll get it on their own, but you can always …
Read more on Business Insider
YuMe and Samsung Electronics Team to Bring Advertising and Audience Insight to …
Commercial auto insurance, along with coverage for renters, business owners, boats and motorcycles, is also available. State Farm Mutual Automobile Insurance Company is the parent of the State Farm family of companies. State Farm is ranked No.
Read more on MarketWatch (press release)
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Is universal life insurance right for you?
January 5th, 2012
Gina Roberts-Grey
Term life insurance is affordable, but it expires after a certain time. Whole life insurance often is more expensive because it never expires. Looking for something in between? Universal life insurance might be for you.
First introduced in 1979 by E.F. Hutton Life Insurance Co., universal life insurance is one of the most flexible life insurance options.
“It’s a sound option to consider if you want the option of variable premiums or to adjust your coverage as your needs change,” says Edward Graves, associate professor of insurance at The American College in Bryn Mawr, Pa.
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| Many people prefer to buy a universal life insurance policy with a large death benefit when their kids are young. |
Here’s what you need to know to decide whether universal is the best coverage for you.
Sizing up your options
The first step in deciding on a type of life insurance is understanding your options. There are three basic types of life insurance policies:
• Term life. The least expensive life insurance option, term life is the most basic and inflexible. Coverage begins the year you apply and ends at a set time, usually 20 or 30 years down the road. You pay set annual premiums and don’t receive dividends.
• Whole life. These policies last the rest of your life, rather than for a predetermined number of years. They have a set premium that you must pay on time, and a guaranteed cash value because a portion of your premiums goes into a savings account. That savings account grows, as your insurer also pays dividends.
The most expensive of life insurance options, whole life policies typically cost about eight times more than term policies, largely because of the dividends that policyholders receive based on the insurer’s earnings, says Alan N. Canton, owner of A.N. Canton Insurance Services in Fair Oaks, Calif.
• Universal life. With universal life (a variation of whole life insurance), you have the option of varying the premium amount (or even skipping premium payments), changing the coverage amount and adjusting the number of years you pay. Canton says this coverage costs about four times as much as term life insurance.
The pros of universal coverage
Unlike term and whole life policy premiums, which are set by the insurance company, you set your premium if you have a universal life insurance policy.
Every time you pay your premium, the insurance company deducts a fee to cover the company’s expenses. The remainder of your premium is added to the policy’s cash account and is invested on your behalf by the insurer. That cash account grows over time, and the cash value can increase.
“The first year’s premium is the only fixed premium,” Graves says. “After the first year, the policy owner can choose the premium amount, as long as it is enough to keep the policy in effect.”
All that’s required to keep the policy in effect is enough cash value to cover two months’ worth of charges for the insurance company to manage the policy. “If the cash value drops below that required minimum, the policy may terminate,” Graves says.
If your policy has a cash surplus, on the other hand, you’ll earn interest — generally at a money-market rate, according to the Insurance Information Institute.
The flexibility of universal life means that the policy can be funded minimally and work much like a term life insurance policy, Graves says. If you opt to pay more in premiums, it will develop cash value like a whole life policy.
With universal life, “if there is enough money in your fund, you can skip a premium or a year of premiums and make them up later,” Canton says. “You can’t do that with whole life or term life.”
Another benefit of universal life is that you can lower the amount of the policy (the amount it pays when you die) to reduce your premiums or trim the number of years you pay into it. For instance, Canton says, many people prefer to buy a policy with a large death benefit while their kids are young. Once their kids are grown and not as much financial protection is needed, the benefit amount — and the premium — can be decreased.
Shawn Hilario, a senior product consultant for life insurance at The Hartford, says it’s possible to add a chronic care rider to a term life policy. Should the insured become chronically ill, he or she will be able to get the death benefit early. Hilario says this rider costs an average of 10 percent of the policy’s death benefit. There’s no limit on how the money is used, and it’s tax-free.
“You can pay a family member or friend to care for you at your home, remodel your home to accommodate your health needs or pay bills,” Hilario says. “The money is yours to use as you see fit.”
The cons of universal coverage
Receiving interest from a universal life insurance policy and maintaining a comfortable cash cushion are not guaranteed.
“The policy’s value can go up or down depending on how the life insurance company invests your money,” Canton says.
Also, the amount required to keep the policy in effect can fluctuate. If the life insurance company takes a financial hit — as many have amid the rocky economy — you may be forced to fork over more money each year to keep the policy going.
Linda Melone
If you have a health issue associated with reduced life expectancy, you may have trouble finding a company willing to sell life insurance to you.
Don’t give up, says Jack Dewald, past chairman of the nonprofit Life and Health Insurance Foundation for Education (LIFE).
“Not all serious conditions automatically render you unable to get life insurance,” he says. “You just may have to pay more.”
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| Smoking is a bad habit that could cause you to pay a lot more for life insurance. |
Most insurance companies will charge a “table rate” in addition to a base rate, says Lisa Oleski, manager of life underwriting at CPS Insurance Services, in Irvine, Calif. This table rate is based on your control of the condition, your treatment of the condition, your date of diagnosis, and results of basic health tests (like blood and urine tests) that your insurer requires once you apply for coverage.
It’s impossible to attach an exact price tag to certain health conditions, as insurers take a variety of factors into account, including your gender and age. There are, however, some conditions and habits that are guaranteed to up your rate. Here are four of them:
1. Smoking.
While smoking isn’t an actual medical condition, smoking raises life insurance premiums across the board, regardless of your health status. If you have a health issue and also are a smoker, you’ll have to pay a surcharge in addition to a higher base rate, Dewald says.
Exactly how much more in premiums a smoking policyholder will pay differs from one company to the next and depends on the type of coverage the policyholder obtains. For example, the base annual rate for a 40-year-old man buying a 10-year term policy may be $ 200 for a $ 100,000 policy if he’s in relatively good health. If he smokes, however, the base rate may be $ 450 instead of $ 200, and any other health concerns would result in a surcharge.
2. Cancer.
If you have cancer, there are a few factors that will determine how much your premiums will be and whether you’ll even qualify for life insurance. These include the type of cancer, where it’s located and when it was detected, Dewald says.
According to Dewald, you’ll be unable to get coverage if you have an internal cancer (as opposed to an external cancer, such as skin cancer) or an aggressive cancer (like pancreatic cancer) for the first two years after the diagnosis or during active therapy.
“On the other hand,” Dewald says, “most skin cancers won’t affect your rates, unless it’s advanced melanoma.”
If you’re stabilized, haven’t had a relapse after two to five years and continue to have documented checkups, you should be able to get life insurance, although you’ll still pay a higher premium than you would otherwise.
Most importantly, insurance companies look at whether you’re following your doctor’s advice on lifestyle changes, Dewald says.
“If you had part of your lung removed and you’re still smoking, you won’t get insurance,” he says.
3. Diabetes.
Type 1 diabetes is normally more difficult to insure than Type 2 diabetes, especially if you developed the disease at a young age, according to Oleski. “Those individuals are more prone to complications down the road,” she says.
This varies, however, and each carrier has a different way of calculating table rates and surcharges. For example, a Type 1 diabetic who has excellent control of his or her disease and is in otherwise good health might pay about 125 percent to 150 percent extra on top of the standard rate.
4. Heart disease.
Several factors will determine whether someone with heart disease gets life insurance, Oleski says. For instance, insurance companies will look more favorably upon someone who’s had a heart attack, compared with someone who’s had surgery to implant a stent (a tube used in preventing heart blockages) or had heart bypass surgery. The person’s age and whether he or she has had multiple surgeries also will be weighed.
“If you’re at a healthy weight, you don’t smoke and you’ve been cleared by a stress test, you should be able to get insurance six to nine months post-surgery,” Dewald says.
Uninsurable at any cost
Certain health conditions mean you’ll automatically be declined for life insurance, Oleski says. These include:
• Current or recent treatment for alcoholism or drug addiction.
• Current cancer treatment.
• Kidney failure.
• Severe emphysema.
• Alzheimer’s disease or dementia.
• Severe mental disorders.
• Lou Gehrig’s disease.
• Cirrhosis of the liver.
• The need for continual use of oxygen.
• Heart disease before age 35.
Shop around for the best rates
If you have a serious health condition, shop around. Not every company disqualifies people for every health condition, Dewald says. Some companies offer more favorable terms to those with heart problems, while others may be more flexible with diabetic patients. An independent agent or broker who does business with several companies is best suited to recommend a life insurance company.
Dewald says that if you’re uninsurable, you may be able to acquire life insurance through your husband or wife if you’re married. This is common in estate planning.
The best thing to do to avoid health-related trip-ups with life insurance? Buy a life insurance policy when you’re healthy, says Jack Dolan, a spokesman for the American Council of Life Insurers, a trade group.
“No one will give you homeowner’s coverage when your house is on fire,” Dolan says. “You get the coverage when your house is in good shape. Apply the same thinking for life insurance.”
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Which auto insurance companies are getting it right in the claims process?
October 31st, 2011
Rachel Hartman
Enduring the auto insurance claim process can be painful, if for no other reason than it means your car has been damaged.
The 2011 U.S. Auto Claims Satisfaction Study from J.D. Power and Associates underscores the fact that the process can be made less painful, especially for total-loss claims, when auto insurance companies adhere to “best practices” that are important to claim-filing policyholders.
According to the study, Auto-Owners Insurance ranks No. 1 in overall satisfaction among filers of auto insurance claims from more than two dozen auto insurers. The company sells policies through more than 6,000 independent agencies in 26 states. Auto-Owners Insurance, based in Michigan, attributes its high standing in the J.D. Power study to the contributions of those independent insurance agents.
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Jeff Harrold, chairman and CEO of Auto-Owners Insurance, says in a news release: “To receive this recognition for the fourth year in a row is a positive reinforcement that we have brought peace of mind to those who needed us most. After all, that is what insurance is all about.”
Behind Auto-Owners Insurance in the top five are, in descending order, State Farm, Amica Mutual, American Family and The Hartford. Trailing the top five but coming in above the industry average are Country, Erie Insurance and Travelers.
So, how do Auto-Owners Insurance and other auto insurers excel in claims processing?
Happy filing
A key factor in keeping auto insurance customers satisfied involves the handling of total-loss claims.
Consumers are less satisfied with the claims experience when dealing with a total loss than with a vehicle that’s being repaired, according to the study’s findings. Every year, about 16 percent of auto damage claims result in a total loss. Only half of claim filers whose cars have been declared a total less think the settlement they received was enough to replace their totaled vehicle with a comparable one.
For consumers not familiar with the claims process, it can be easy to feel uneasy about what’s going to happen, according to Bill Sharpe, president of the National Association of Independent Insurance Adjusters.
Auto-Owners Insurance, which has topped the J.D. Power and Associates Auto Claims Satisfaction Study for four consecutive years, leads the industry in two key practices in total-loss settlements: ensuring that those filing a claim feel at ease with the process and providing flexible appointments for vehicle appraisals.
If your vehicle is declared total loss — meaning that it can’t be repaired or that its value is less than the cost of repairs — and your auto insurance company offers you a settlement, you may question whether the amount is accurate. Here are four guidelines to help make sure you’re satisfied with the final settlement:
1. Compare prices. If you receive a settlement offer from your insurance company and are unfamiliar with selling prices for a vehicle comparable to yours (before it was totaled), do some research. Sharpe suggests hunting for similar versions of your vehicle on sites like AutoTrader.com and Craigslist. Call auto dealers in your area to find what comparable vehicles are selling for.
2. Talk to the company. If you think the settlement offer should be higher, print out the figures you’ve found for comparable vehicles in your area, then present the information to your insurance company.
3. Negotiate. Nearly 20 percent of claim filers negotiate the initial settlement figure they receive and successfully receive a higher settlement about 80 percent of the time, according to the J.D. Power study. The additional amount they receive is about $ 1,200.
4. Check the details. For example, verify the length of any rental-car coverage to avoid “surprise” out-of-pocket expenses that may pop up after the final settlement, says Jeremy Bowler, senior director of the insurance practice at J.D. Power.
Communication makes the difference
When it comes to handling total loss claims, Amica Mutual ranks No. 1 in the industry for returning phone calls to claim filers, setting expectations for the length of the claim process, updating the status of claims and limiting the information that a claim filer must provide repeatedly throughout the process.
American Family comes out on top with the shortest time period for informing claim filers of the settlement amount – a full three days less than the industry average. American Family, which ranked fourth overall in the study, says it makes a conscious effort to communicate effectively with its customers.
“It starts with the entire company placing explicit focus on the customer and following that up with programs and actions,” says Ken Muth, a spokesman for American Family. The company offers communication and customer service training for its employees and carries out customer surveys.
While these practices help smooth over the claims process, consumers also can play a role. Here are three tips to make sure you’re prepared if you have to file an auto insurance claim:
1. Read your policy. Insurance policies now are written in more consumer-friendly form, says J.D. Howard, founder of the Insurance Consumer Advocate Network. Read yours in its entirety and become familiar with it.
2. Monitor your coverage. Revisit your policy from time to time, perhaps once a year, to make sure it fits your needs, Muth says.
3. Get online. Many insurance companies have claims information readily available on their websites. Check what your company offers; if you have to file an actual claim at a later date, you’ll know what to expect.
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IQ expert Jason Beans: The right prescription for reversing your health insurer’s medication denial
May 5th, 2011
Q: Why does my health insurance pay for some of my prescriptions but not for others? What’s going on? Is there anything I can do to get these decisions overturned?
A: Prescription drugs can be denied for many reasons, some simple and some complex. Whatever the reason, go ahead and work to get the decision changed.
Here are some of the main reasons your prescription might be getting rejected:
| Jason Beans: Health Insurance Checkup |
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| Jason Beans is CEO of Chicago-based Rising Medical Solutions, a medical cost containment/care management company. |
1. Your health insurance plan excludes it. Certain prescription drugs like birth control, acne medication and cosmetic medication may not be covered by your plan.
2. You’re refilling too soon. Your plan probably allows you to refill a prescription only after a certain amount of time. It’s calculated by the dosage.
3. Your prescription requires “medical necessity” or “step therapy.” In other words, you must get a letter of medical necessity from a physician or try other medications first.
4. Your prescription involves “duplicate therapy.” In layman’s terms, that means you previously were prescribed a similar medication.
5. Your prescription exceeds a quantity limit. Some prescriptions have such limits, which are based on FDA dosing guidelines and extend over a rolling 30-day period. If your doctor prescribed more than the customary supply, the prescription may be rejected without supporting documentation from the doctor.
If your prescription has been rejected by your health insurance company, you must determine the reason and then work with your pharmacy program and physician to allow your prescription to be approved. This is the simplest, most stress-free way of handling the matter.
Here are some other recommendations for handling a prescription denial:
• Make sure this isn’t just a simple matter of timing. If you’re prescribed a one-a-day pill and have a 30-day supply but you’re trying to refill it on the 21st day, this could be the problem. Your health insurance company has noticed that you have enough of the medication and are refilling it too early.
• Ask the pharmacist why your health insurance company isn’t paying for medication. The pharmacist should be able to offer details.
• Once you get the denial details, call your health insurer and ask which company is your pharmacy vendor and get that vendor’s phone number. The pharmacy program’s number may be listed on the back of your health insurance card. The pharmacy vendor manages prescription benefits for your health insurer.
• Call your plan’s pharmacy vendor and ask the right questions. Your aim here is to get all the appropriate information you need to bring back to your doctor and get access to the proper medication. Quiz the pharmacy vendor about why the prescription was rejected, whether there is another drug that could be substituted for the one that was rejected, and what dosage per day or quantity per period could be covered.
• When speaking with the pharmacy vendor, request a copy of the specific form you’ll need to submit to qualify your prescription for coverage.
• Ask for an online link to or a copy of the pharmacy vendor’s “formulary,” or list of prescription medications. Giving this document to your physician might help prevent any medication coverage issues.
• Once you’ve assembled the information from your pharmacy vendor, give it to your doctor. Your doctor either can switch your medication to an equivalent alternative or can fill out the form, explaining why you can’t be prescribed the alternative.
Jason Beans is CEO of Chicago-based Rising Medical Solutions, a medical cost containment/care management company serving the workers’ compensation, group health, auto and liability markets. Beans founded Rising in 1999. Since then, Beans has received a number of honors, including Business Council Advisory Man of the Year and Midwest finalist for Ernst & Young Entrepreneur of the Year. Rising has appeared several times on the Private Company Index’s Top 10 Growth list and Inc. magazine’s Inc. 5000 list.
Beans earned a master’s degree from MIT’s Entrepreneurial Masters Program and a bachelor’s degree in finance from Boston College.
For more information, visit www.risingms.com.
If you have a health insurance question for Jason Beans, please send it to john.egan@insurancequotes.com.
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Tags: Beans, Denial, Expert, Health, insurer’s, Jason, medication, Prescription, reversing, Right | 
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Three reasons to review your auto insurance coverage right now
February 7th, 2011
OK, be honest with yourself. When was the last time you looked carefully at your auto insurance policy – your coverage, your deductible, your premiums? It’s probably been a long time, hasn’t it?
Chances are, it’s been too long — so long, in fact, that you’ve likely missed out on some significant cost savings. Sticking with your tried-and-true auto insurance provider could be sticking you with some unnecessarily high premiums.
According to J.D. Powers and Associates, three-fourths of people surveyed say they haven’t changed auto insurance providers in 10 years, says Jeremy Bowler, senior director of the insurance practice at the market research company.
If you’re one of those millions of motorists, it’s time for you to review — and potentially change — your auto insurance coverage. Here are three reasons why.
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| Experts suggest you review your auto insurance policy to see whether you’re missing out on ways to save money. |
1. Things change.
It’s easy to let your policy with your current insurance company renew automatically, says Doug Heller, executive director of Consumer Watchdog. Sometimes, the lure of discounts for staying with an insurer make looking at other companies seem like more time and trouble than you want to spend. But our lives change, Heller says — including our financial circumstances and driving habits.
“If you buy a policy at 25, it probably has basic liability,” he says. “If you’re 35 now and you haven’t changed your policy, you probably don’t have enough coverage to protect your assets.”
On the flip side, you may have too much coverage because you’re telecommuting more and driving less.
“Most people just tell the insurer they drive 12,000 miles per year,” Heller says. If you drive less than that, you may be able to reduce your premium.
2. Insurance companies change.
Even without changes to your driving record or coverage, premiums frequently change anyway. Heller says it can be easy to just stay with your longtime insurer and ignore the addition of a few dollars in your premium each year. But over time, that adds up.
Another factor: The quality of customer service by an auto insurer can evolve or devolve. That may not matter until it comes time to make a claim.
Reputation matters, says Melvin “Butch” Hollowell, the insurance consumer advocate for the State of Michigan.
“If you have a good price, you need to know whether they play hardball with customers and try not to pay,” Hollowell says. That game of “hardball” may be the reason for the cheaper auto insurance rates — at the expense of top-notch customer service.
Heller suggests checking the website of your state insurance regulator and researching complaints or actions against auto insurers.
“It’s not just about certification that you are driving legally,” Heller says. “It’s about ensuring your claim is covered if there is an accident.”
Heller also recommends a web search of the company’s name and the word “complaints” as well as the word “sucks,” which can turn up some of the harshest criticism of an auto insurance company.
“Every insurance company will have some complaints, but you can tell what trends there are,” Heller says.
3. You’re probably paying too much.
Most policyholders surveyed by J.D. Powers are surprised to learn just how much pricing for auto insurance varies, Bowler says. It’s critical to make sure you know what’s being covered in a particular insurance quote.
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| Aggressive shoppers can save up to 50 percent on their auto insurance, one expert says. |
“Take the cover sheet of your existing policy and black out the prices that are alongside the coverage descriptions,” Bowler says. “Send that to the companies you are checking out and ask what they would charge for that exact coverage.”
Hallowell says that simply showing a competitor’s quote to your current auto insurance company can get you a lower rate. This tactic recently saved him 15 percent on his auto insurance.
“There are hundreds of companies out there, and you can almost always find something cheaper, even when you factor in discounts,” Heller says. “If you are paying $ 1,500 a year and they offer you a 10 percent price break to stay with them, that’s not as good as shopping around for an hour and finding a policy for $ 1,200.”
Hollowell suggests consumers obtain at least three auto insurance quotes each year. “It’s a competitive industry. Use that,” he says. An aggressive shopper can save as much as 50 percent on auto insurance, Hollowell says.
If you know you’re a safe driver – you don’t encounter too many “wow that was close” moments on the road – consider boosting your deductible to $ 1,000. “That can save you as much as 25 percent on premiums, and more than the deductible over time,” Hallowell says.
If you decide that switching auto insurance companies is worth it, follow these steps before signing on the dotted line:
• Do your homework.
J. D. Howard, executive director of the Insurance Consumer Advocate Network, recommends visiting the J.D. Power and Associates website to check an auto insurance company’s consumer ratings. Howard’s organization offers some online tips as well. You also can check out the video primer on the website of Hollowell’s agency in Michigan.
• Know the score.
Find out whether any of the companies you’re considering use your credit score in calculating auto insurance premiums. The practice is illegal in some states, including California and Massachusetts. Contact your state insurance regulator for more information.
• Mind the gap.
Make sure there won’t be a gap between when your old policy expires and your new one kicks in. Don’t assume that your insurer will prevent this from happening, Heller says. Get the starting and ending dates in writing.
–Lisa Jaffe Hubbell
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MORE PROOF that something isn’t right. THEY are making plans, and WE are being LIED TO! Pt 6
January 27th, 2011
Please check out my website: goo.gl This guy claims I’m lying: www.youtube.com Let him know what YOU think! This is IMPORTANT/VITAL information that proves something in the works! PLEASE PASS THIS ON TO EVERYONE YOU KNOW!!!!!!!!!!!!!!!!!!!!!!! RFI – Hydration Supplies for Disaster Relief: goo.gl Sources Sought/Industry Day – Flood Insurance Managed Services: goo.gl Rockwell Collins iNFINITI Mil Modems: goo.gl Transitional Shelter Units: goo.gl VARIOUS FUELS IN SUPPORT OF DISASTER RELIEF: goo.gl The MOST IMPORTANT ASPECT of these events is YET TO COME!!! Something FAR GREATER than ANY of us could EVER imagine!!! Will do a discussion on it next weekend! I don’t have time to worry about what will be said afterwards… It is something we ALL NEED TO KNOW! It is the reason TPTB are creating the ultimate false flag diversion. This is something you definitely DO NOT WANT TO MISS!!! I will not take questions on this topic beforehand as I must concentrate on how to put the information together in a credible fashion. It is ALMOST impossible to believe, but at this point and stage in our conscious awakening, I know all of you will take it in, research, and draw your own conclusions. We are all going to need our gods on this one! TRUST ME! It is the LAST PUZZLE PIECE we will EVER need! The rest just pales in comparison! Including an event at the NMSZ. Stats like this will keep this VIRAL! #84 – Most Discussed (Today)) – News & Politics #110 – Most Viewed (Today)) – News & Politics …
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Would you rather have a “right to health insurance” or a “right to medical freedom” in the Constitution?
November 1st, 2010
Question by Justin: Would you rather have a “right to health insurance” or a “right to medical freedom” in the Constitution?
Right to Medical Insurance – the right for everyone to have third-party coverage.
Right to Medical Freedom – the right to choose your own health care, even if it means being uninsured.
Best answer:
Answer by Don’t Tax Me Bro!
Right to Medical Freedom. Recent studies have shown that a large number of uninsured Americans are uninsured by choice, not circumstance.
Give your answer to this question below!
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Your Guide to Motor Homes – Which Motor Home Class is Right for You?
October 24th, 2010
Your Guide to Motor Homes – Which Motor Home Class is Right for You?
Motor homes are one of the most popular ways to take a vacation.
But, how do you determine which motor home class is right for you and which floor plan is right for you?
After all there is a lot of work required to maintain a motor home and with the expense of a motor home you do not want to purchase the wrong one, right?
While you may want to purchase a motor home, you of course do not want to spend countless hours doing research on motor homes.
Finally, for all the questions you have, there is an answer.
What if one book could give you a wealth of information that can help you know which motor home class is for you?
What if one book could answer your safety questions, your maintenance questions and so much more?
After all if you get your answers, you are one step closer to owning that dream motor home.
Inside this eBook is a wealth of information that can lay most of your questions to rest.
Find out about the different classes of motor homes and what places them in this class.
For those who suffer from disabilities, find out about custom motor homes.
Learn about fire safety within your motor home and what class of fire extinguishers you need.
This eBook also covers budget trips in your motor home.
Never let money stand in the way of taking that precious trip again.
You have questions and this eBook has the answers.
We will show you how you can save money in the various aspects of your motor home trip so you can afford to take that trip. Never again will money be an issue because you will learn how to save money on food, fuel and parking.
Inside this eBook you will also learn how to keep insurance premiums low.
Here is what you will learn inside this guide:
* The different classes of motor homes
* Whether to use a private seller or a dealership.
* What to look at when purchasing a used motor home.
* Fire safety with your motor home.
* Learn about motor homes designed for the disabled.
* How to use your American motor home in Europe.
* How to properly winterize you motor home.
* Learn about Avoidable Insurance Claims.
* How to be environmentally friendly while traveling in your motor home.
* Factors that can cause tire damage.
Think of all the money you will save by having the knowledge you need prior to purchasing your motor home.
Even though motor homes are expensive, they can be a great investment.
How much would you pay to be spared from a costly mistake?
Not to mention the amount of time you will save not having to do all the research yourself.
That alone can be worth a lot to some people.
Well, you need not spend an arm and a leg to obtain this wealth of information.
This eBook is the answer to all your questions!
Don’t make costly mistakes because you did not have the answers you needed.
Purchase this book today and get the motor home of your dreams and the vacation that comes with it for a fraction of the cost.
List Price: $ 6.97
Price:
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When is the right time to switch auto insurance companies?
September 27th, 2010
When is the right time to switch auto insurance companies?
When you start looking over the family finances, that moment rarely coincides with the months your insurance policies, cable or cell phone contracts are set to renew.
Read more on Purcell Register
Changes Could Be In The Works For Insured Drivers In Pennsylvania
Pennsylvania lawmakers may revisit the issue of how much minimum auto insurance coverage motorists are required to carry.
Read more on KYW News Radio 1060
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“Right Amount” Of Life Insurance Varies For Everyone
September 21st, 2010
“Right Amount” Of Life Insurance Varies For Everyone
Determining the right amount of life insurance is no easy task and the answer is different for everyone.
Read more on NY1 News
