Sep
02
2022

Health Insurance Basics

Health insurance, in this modern planet of many forms of cancer, coronary disease, AIDS, all forms of diabetes, asthma, aging and other problems and hardships, it is essential to hold some type of medical insurance. There are numerous degrees of health insurance protection on hand; regrettably, just like most things in life, you receive what you pay for, and high-quality insurance coverage could be very expensive.

The 2 main most common terms in referring to health care insurance are usually premium, that is the amount paid for the insurance coverage, and deductible, that is your out-of-pocket charge prior to the insurance pays your provider. For instance, perhaps you may pay $300 premium each month for family members insurance plan, and your deductible could be $250 per person, which means if you fell and broke your ankle and went to the hospital emergency room, you would probably be forced to pay for the first $250 of the bill.

You can purchase very basic catastrophic insurance policy coverage, that would likely have an extremely high deductible and the premium would be less than comprehensive coverage which in turn can have a more expensive premium and lower deductible. It can be profitable to invest enough time to investigate a variety of insurance plan alternatives, taking under consideration how old you are, your basic overall health as well as the overall health of your family members.

Your employer may provide you with group health insurance, which often is most likely the least pricey choice for you personally, and normally the premium is subtracted from your pay cheque. Health insurance is a determined risk; could you afford the rates or are you ready to risk that you simply would pay much less out of pocket for medical bills in a 365 days than the fees would cost? Think about carefully.

What if I leave my job?

The Consolidated Omnibus Budget Reconciliation Act (COBRA), a law established in 1986, gives working people (and members of their family) which lose their own health insurance many benefits the right to continue their group health insurance for a restricted period of time under circumstances like voluntary or involuntary job loss, cut of hours, transition in between positions, divorce proceedings, adoption and death.

Typically, the worker pays up to 102% of the premium cost for the same insurance plan; this is however ordinarily more economical when compared with getting an individual insurance policy. There are three standard aspects for qualifying for COBRA: the qualifying event, the insurance plan coverage and the qualified person.

Every single aspect is considered when applying for COBRA and you must elect to either sign up for COBRA or waive your privileges to COBRA within 2 weeks after a qualifying event. You must also have been in the group protection plan during your career to be qualified. However, there are generally exceptions, generally you may continue to pay your own premiums to keep COBRA insurance coverage intact for around 18 months.

Businesses who have under 20 staff, State or Federal government employers or employee organizations may not offer COBRA coverage. Check with your health insurance officer to see if you might meet the requirements. You may also have these details attainable within your group health insurance policy or in your company guide. Although it might be pricey, the expense of being able to keep your group insurance coverage fee may be worthwhile.

Aug
03
2022

Why Appeal Property Taxes For Your Home?

Property taxes are one of the single largest expenses faced by homeowners next to the mortgage itself. Many people get in trouble with their mortgage companies or wind up facing foreclosures because they are unable to pay their property taxes. Yet, most Americans do nothing to attempt to get these taxes lowered.

It is estimated that up to 70% of all property tax appeals are granted, still only 7% of all homeowners make an appeal to get their property taxes lowered. In this day and age, with property values plummeting all over the country, you might have your best chance yet to file an appeal on your property taxes.

So, why should you appeal your property tax assessment? Well consider an appeal on a $150,000 property. Let’s say that you win and your property tax is reduced by 5%. This means the assessed value would be reduced by $7500 and the property taxes reduced by $225, based upon a 3% taxation rate.

If you think that your property is being valued too high, you can appeal to your tax authority. You will probably be granted an opportunity for a hearing, at which time you must be prepared to back up your claims with solid documentation. To do this, you can work with a real estate agent who can offer you information on comparable properties in the vicinity and you can check out what those properties are costing in taxes. You can even get your property appraised. This will cost around $300 to $500, but it may be worth it if you feel strongly that you are being over taxed. It is good to have this sort of compelling evidence because local governments are not likely to reduce property taxes unless you can make a very persuasive argument for them doing so.

Even so, most property tax appeals are resolved at the informal hearing which is generally the first step in the appeals process.

Figuring that a property tax hearing generally takes about an hour, it is time well invested. When faced with unfair taxes, it is best to become the squeaky wheel. Too many people believe that you cannot fight city hall or that it is not even worth trying. Yet, what does it cost you beyond a little time and effort to go there and fight for your hard earned money? No one is better at representing your interests than you. So, if you feel that your property taxes are too high, don’t just whine about it like everyone else, do something about it, instead.

Jul
04
2022

The Power of Attraction Marketing

Unsure about attraction marketing? Wouldn’t it be great to have hundreds, if not thousands, of qualified leads that are interested and ready to invest in any product or service that you have to offer? What if you had these qualified leads in the palm of your hand contacting you daily and on a regular basis just to get the chance to hear you speak? This is the power of attraction marketing and anyone who has anything to sell or market should be interested to find out exactly what it entails.

Branding Strategies

The first concept of attraction marketing is the personal branding power that you can leverage when you put yourself in front of customers on a daily basis. This doesn’t mean that you should be contacting potential clients and customers directly. On the contrary, this means that you should be increasing your personal brand by putting yourself in your target market’s shoes and going everywhere they go. Let them see your face, your personality, your attitude, and how you do things. Having a unique brand of “You” rather than an impersonal company name is part of the leverage that will go a long way when it comes time to deliver the back-end sale. A big key to success in both attraction marketing and personal branding is consistency.

Using Online Media

A major part of attraction marketing is leveraging the online media that’s free and wide open for the taking. As mentioned, to increase your personal branding strategy you need to be in front of your customers continuously. The way this can be done is by using your own personal website, Twitter, Facebook, MySpace, and other social media networks to get your profile out there and get your name recognized. By having these tools in place and focusing on connecting with potential customers, you’ll have more people knocking on your door, emailing you, and calling you if they need help.

Using every single communication channel to increase your visibility is the ultimate way to make attraction marketing work for you. Make sure you use the same profile picture as much a possible. Also try to use the same user name for all ID’s facebook.com/ YOUR REAL NAME or Brand name

Authority and Words Count

Attraction marketing also means that you should be striving to increase popularity by showing your authority or trustworthiness on a certain issue. Create a blog to let people listen to what you have to say. Answer questions from interested consumers and people will take you seriously. By delivering real value to your prospective customers and treating them as valued customers already, your personal branding and authority skyrockets and your credibility improves drastically. The best way to gain trust is to GIVE as much good free stuff away as you can. This will do 2 things:

1. Get people wondering “If this is his FREE stuff, then his PAID stuff must be awesome”
2. Reciprocity kicks in. You have given so much for free people Feel that they SHOULD but a little something at least.

Due to this form of authority and positive personal branding, the next time that your target market is looking for a solution to their problem you will be the one that they flock to for answers. All of these techniques are important in creating and implementing a real attraction marketing solution. Attraction marketing is the ultimate way to get more customers knocking at your door for answers and the best way to achieve sales over the long haul. Failure to use these attraction marketing strategies will leave you running around and inefficiently chasing unqualified prospects. Become magnetic and you will be the hunted instead of the hunter.

Remember – you don’t just want to be another impersonal company that focuses on sales only! Your goal should be to focus on personal branding and being immersed with your target market through all communication channels to make attraction marketing work and achieve the sales and success you want!

Jun
03
2022

Why Appeal Property Taxes For Your Home?

Property taxes are one of the single largest expenses faced by homeowners next to the mortgage itself. Many people get in trouble with their mortgage companies or wind up facing foreclosures because they are unable to pay their property taxes. Yet, most Americans do nothing to attempt to get these taxes lowered.

It is estimated that up to 70% of all property tax appeals are granted, still only 7% of all homeowners make an appeal to get their property taxes lowered. In this day and age, with property values plummeting all over the country, you might have your best chance yet to file an appeal on your property taxes.

So, why should you appeal your property tax assessment? Well consider an appeal on a $150,000 property. Let’s say that you win and your property tax is reduced by 5%. This means the assessed value would be reduced by $7500 and the property taxes reduced by $225, based upon a 3% taxation rate.

If you think that your property is being valued too high, you can appeal to your tax authority. You will probably be granted an opportunity for a hearing, at which time you must be prepared to back up your claims with solid documentation. To do this, you can work with a real estate agent who can offer you information on comparable properties in the vicinity and you can check out what those properties are costing in taxes. You can even get your property appraised. This will cost around $300 to $500, but it may be worth it if you feel strongly that you are being over taxed. It is good to have this sort of compelling evidence because local governments are not likely to reduce property taxes unless you can make a very persuasive argument for them doing so.

Even so, most property tax appeals are resolved at the informal hearing which is generally the first step in the appeals process.

Figuring that a property tax hearing generally takes about an hour, it is time well invested. When faced with unfair taxes, it is best to become the squeaky wheel. Too many people believe that you cannot fight city hall or that it is not even worth trying. Yet, what does it cost you beyond a little time and effort to go there and fight for your hard earned money? No one is better at representing your interests than you. So, if you feel that your property taxes are too high, don’t just whine about it like everyone else, do something about it, instead.