Understanding Your Insurance’s RAPL Clause

Frequently insurance companies are contacted after a claim has been processed by a consumer who feels their benefits were improperly paid when they receive Out-of-Network benefits for the diagnostic portion of their visit. This notion of an insurance company paying the higher level of benefits comes from the fact the consumer feels helpless to pick …

Life Insurance Plans – Traditional Vs Modern

We live in interesting times – interesting yet volatile! In such times, where there are no guarantees on life, Life Insurance is the only assurance that you have to guard you and your loved ones against the unknown and the unforeseen. Insurance is essentially a pact between the insured and the insurer. The insured pays …

Milkiness Found in Diamonds

An extremely important factor in diamonds in the milkiness present inside of the crystal of any given stone. Milkiness is not one of the 4 Cs but can greatly change the look of the diamond and the amount of sparkle and brilliance a diamond will exhibit. Milkiness in a diamond looks like it sounds. You …

You Can’t Sell Snow Shovels in May

  It’s Spring! The birds are chirping, daffodils and other bulbs are exploding out of the formerly frozen earth, snow shovels and snow throwers have wended their way to the back of the storage area, and thought of warm, sunny breezes have replaced memories of snowmen and snowballs. The biblical passage (and the song that …

The Right Place to Buy Life Insurance

Purchasing the right type of policy to suit individual needs is imperative. But even more important is buying insurance from the right insurance provider who among other things is also financially strong. Do individuals need life coverage is a million dollar question. And those who have been in the insurance industry for more than forty …

How to Earn Extra Money Online: The Two Main Strategies

Not everyone goes online to try to make enough so that they can retire. Regardless of what people may tell you, not everybody wants to take the time and effort to set up their own online business. But in times of financial hardship, a bit of online income is very helpful if you want to …

Sole Prop V Ltd Company – What Should I Do?

A LTD Company is a “separate legal entity” this means that its like a separate person when it comes to law. It can make contracts, enter into them, sue and be sued. It offers Limited Liability to its shareholders (assuming nothing illegal is performed). Typically one person forming a LTD Company will become its sole …

How Credit Hits the Home Front #1 – Introduction

There are plenty of things to worry about financially when you live in New York. Of course there are taxes and insurance prices, the cost of living and rent. One thing you may not think of all the time but really should is your credit. If you are really concerned about how your score can …

Opening a Business in the Canary Islands

You have decided you are moving to Spain. Why not? You want a better way of life in warm temperatures for most of the year. Why not sell up and open your own business. What could be better than sitting and relaxing in the sun and you can pay someone to work for you while …