Private Jet Charters

Today it seems as though private jet charters are very popular. This fact is even true for those who are not rich. One of the good news I recently found out is that regular everyday working class people usually get better discounts.

One that note, do you know of any private jet charter service that is available to you?

Learning about this type of service can overwhelmed you due to the unlimited amount of information available to you. Well, hopefully this informative article will help you focus on the main points that will make it easy for you to book a private jet.

It is now possible that you can use a private jet charters service with easily and conveniently.
It really doesn't matter if you're traveling for business or pleasure, most of us will need to make travel arrangements. Lets face it, commercial flights are nice but it is not your only travel option.

How Easy Is It?

Depending on your choice of service, it could be as simple as a little negotiation to get you a great deal. Remember that the travel demand could be different during the year, so depending on time of travel you can save a ton of money.

A lot of private jet charter services display their current sales and discounts online. In addition to regularly checking the online websites of popular private jet charter services, you may also be able to sign up for email alerts.

The way how things are going for this industry, we could, very soon, see the day when more than half the flights booked on commercial airlines taken on private jets instead.

Credit : http://ezinearticles.com/?Private-Jet-Charters---Easy-to-Use&id=1737577

Cheaper Car Insurance

Let's say it right up front. There is no really cheap car insurance. However, there is almost certainly insurance available that costs less — possibly significantly less — than you are paying now.

Car insurance is one of those annoying expenses in our lives that has no immediately apparent benefit, unlike the cost of a meal in a nice restaurant or the purchase of new music CD. State laws require it and we know deep down we should have it, but that doesn't make it easier to pay for it. Of course, it can bring some peace of mind knowing that we are protected financially if bad things happen. And there is nobody who denies being happy they have insurance when bad things do happen.

Given the fact, then, that insurance is necessary, how do we make sure we pay as little as possible for the coverage we need. Cheap car insurance is not difficult to find if you use the following tips.

Shop online for the cheapest car insurance rates
Car insurance companies charge different rates — differences of $1000 or more a year — for the same car, the same driver, and the same coverage. There are no "standard" insurance rates. Each insurance company sets its own risk-based rates, according to its own data and claim experience. Rates can change multiple times in a year.

Even if your current company had the cheapest rates a few months ago, the rates may have changed such that they are no longer the cheapest. So it pays to shop around and get free quotes from a number of insurance providers. Online car insurance quotes are quick, free, and easy to obtain, especially from online insurance company web sites such as Esurance.com.

It costs you nothing to switch to a different car insurance company that provides better rates and better meets your needs. If you switch, be sure to ask for a refund of any prepayment to your current company.

Auto insurance for teen drivers
Teenagers driving for the first time, especially boys, suffer the highest auto insurance rates of any other category of drivers. The reason, of course, is that, as a whole, this group represents the highest risk of accident claims.

We often get questions such as "What is the cheapest car insurance for teensagers?" or "Where can I find cheap car insurance for a 16 year old?"

Insurance costs for teens can easily be the highest of any other costs associated with owning and driving a car. Without a driving record and credit history, teens automatically get assigned the highest rates. In addition to the tips below, young drivers should work to minimize insurance rates by making good grades, taking driving courses, and avoiding high-powered sports cars. It is also cheaper to be listed as a driver on parents' policy than to get a separate policy.

Select vehicles with lower insurance costs
The car you drive can make the difference between cheap car insurance and expensive car insurance. Cars that cost the least, have the lowest repair costs, are in accidents less often, and are stolen less frequently are the least expensive to insure.

In general, the older the car, the less expensive the car, the safer the car, the less insurance will cost.

Insurance rates for expensive luxury cars are considerably higher than for economy compacts. Sports cars suffer from generally higher rates than family sedans. High performance cars in the hands of teenage drivers will cost a small fortune to insure. Frequently stolen vehicles such as the Cadillac Escalade cost more to insure than cars with less "thief appeal." Surprisingly, some older cars such 1990's vintage Honda Accords are frequently stolen for parts, and are more expensive to insure.

Here's a list of the cars that are least expensive to insure, and a list of those most expensive to insure.

Insurance rates are reduced for vehicles with extra safety equipment, such as stability control and side air bags.

When car shopping, ask your insurance company to quote you rates on each of the different models you are considering – or get your rates on the Internet.

Watch your credit score
Yes, many car insurance companies now use your credit score to set your rates. Studies show that people with low scores tend to submit more claims. People with low scores can pay as much as three times more than those with excellent scores. Therefore, it's wise to know your credit score before you shop for insurance.

Select coverage options that best meet your needs
Collision and comprehensive insurance coverage for your own vehicle pays for the cost of repairs or for the value of your vehicle in case it is totaled or stolen. You could consider dropping collision coverage when your vehicle has aged to the point that your annual collision premiums are significant when compared to the vehicle's replacement value. Be aware that, if you still have a loan on your vehicle, your loan company may require collision and comprehensive coverage.

In their quest for cheap car insurance, many teenage drivers often choose to do without collision and comprehensive coverage. However, this can be a huge mistake. Drivers who have struggled to save money for a car, or have taken out large loans, are devastated when they realize that there is no insurance coverage when their car is stolen or totaled in an accident. It happens all too frequently.

There's one good case for not buying full insurance. If you have enough cash savings that you would be willing to risk to pay for your car's repairs or replacement in the event of an accident, you could "self-insure" yourself and avoid the cost of collision and comprehensive coverage.

Most states have laws that dictate the minimum liability insurance coverage you must carry. In these days of sue-happy accident victims and high medical costs, it is good to have as much liability coverage as you can afford. Remember, if you get sued for an accident and your insurance is insufficient, you may find your personal assets in jeopardy. Financial ruin could be only one accident away.

Location is important
Auto insurance costs can be dramatically different depending on where you live. If you live in New York state, you pay the highest rates in the U.S..If you live and work in a heavily populated metropolitan area, you pay more than your cousin who lives in a nearby small town.

Should you have a choice in where you live, work, and drive — which many people do not — you can affect your car insurance cost by choosing the right location.

Gap protection
If your vehicle is totaled or stolen, your auto insurance is only going to pay the amount that the vehicle is worth, not what you still owe on a loan or lease. This point is misunderstood by many consumers. If you are "upside down" on a car loan or lease, you'll have to come up with the cash to pay off the remainder of the amount you owe. To prevent this situation, you need "gap" insurance.

Gap coverage is usually included in leases, but almost never for loans. Unfortunately, this type of insurance is a little hard to find. Some auto insurance companies offer it, some extended-warranty companies have it, and some dealers sell it. Fortunately, gap coverage is not very expensive and can be dropped as soon as you pay enough of your loan or lease to exit your "upside down" situation.

Avoid at-fault accidents
Pretty obvious, but one of the factors that contributes most significantly to high auto insurance rates is the at-fault accident history of a driver. Insurance companies typically raise rates after only a single accident, assuming that other accidents will follow. Since accident reports are shared between insurance companies, don't think you can avoid higher costs by switching companies. This might work in the short-term but it will soon catch up to you.

Choose a higher deductible
One of the easiest paths to cheap car insurance is to increase your deductible — the amount you're willing to pay out-of-pocket when you make a claim. For example, raising your deductible amount from $500 to $1000 can reduce your insurance costs by 30%. Just be sure that you would be able to afford the immediate cash expense in case of an accident.

Check your profile often
Contact your auto insurance company and make sure your personal and family's driving profiles are accurate, and that you are getting all the discounts to which you are entitled (see Auto Insurance Discounts). Your driving record, marriage status, age, commute distance, and home address can affect your insurance costs. Your credit history can also have an affect with some companies. Multiple-car discounts are available, as are discounts for vehicle safety features, anti-theft devices, having home insurance with the same company, and even for getting good grades in school.

Avoid making small claims
Making small claims with your insurance company can trigger rate increases. Certainly, if the cost of repairing minor accident damage is less than your deductible, don't file a claim. Even if the cost is moderately higher, consider the cost of a possible rate increase compared to simply paying the cost yourself.

Check insurance company ratings
Cheap car insurance is not so cheap when the insurance company is difficult to deal with, is not responsive to your needs, and doesn't pay fairly. Therefore, take care in choosing your company on criteria other than premium cost.

JD Power, a national research company, publishes a rating of auto insurance companies that can be helpful in selecting auto insurance companies. Some of the companies in the rating only do business in certain states. Furthermore, the evaluations do not include rate comparisons.

Get your own rate quotes
Insurance companies and brokers provide free online rate quotes that allow you to easily compare costs and coverage. The advantage of a broker is that they work with multiple companies and their services are free. We suggest the following companies:

Netquote is a free insurance shopping service that allows you to compare rates from major national carriers such as SafeCo, The Hartford, Progressive, Allstate, Farmers, and more by simply filling out one online form. By matching your profile with multiple insurance companies, their detailed application form ensures you will receive only quotes that best fit your particular situation. Quotes are 100% free.

Esurance is one of the most recognized car insurance companies due to their clever TV commercials. They are a relatively new company, formed in 1998, but have since become one of the fastest growing insurance companies in the country. They are innovative, value their customers, and work hard to provide excellent service. Get a quote from them to find out for yourself. Get free auto insurance quotes.

GEICO is one of the well-known top four car insurance companies in the country with low prices and the top ranked customer service web site of all. You not only get free quotes but you can file claims, view estimates and photographs, contact your adjuster, and get payment status. They also explain exactly how they process a claim, what to do if you're in an accident, and where to find a repair shop near you. A great web site!

InsureMe is an established and popular company, having been around since 1993. They have a network of thousands of participating insurance agents and companies across the United States, including in your neighborhood. Once you complete their online form, they match your profile to as many as five companies, who will provide you free rate quotes that you can compare and choose from. Remember, you are not obligated to accept any of the offers.

Be careful where you buy
Beware of car insurance companies that offer unrealistic low rates for high-risk drivers. Such companies can charge cheap rates because they don't pay claims. Affordable rates are one thing; getting paid when you have an accident is quite another. Be sure to research any such company before you make a decision about cheap car insurance.

Zero Interest Credit Cards

It's a no-brainer to know that you can save a boat-load of money if you have the right credit card. The problem is finding one and finding the right one that's best for you. There are so many choices now when choosing a credit card and zero interest credit cards are a very popular choice. This will be the best card for you if you don't pay off your card each month but carry a balance. Here are some of the top 0% interest cards there are:

American Express

• APR 13.49%-18.99%
• 0% Introductory APR for up to 12 months.
• Fixed 3.99% on balances transferred for 12 months. $25 AmEx gift card issued for every $2.500 spent.
• Liberal one-month grace period for payments.
• No fees for late payments
• No fees for cash advances
• No fees for over-limit charges
• Free credit report with credit score every year

Visa Classic

• APR 7.5% to 9.5%
• 0% on balance transfers for 6 months; 7.5% to 9.5% after six months
• 11.5% to 13.5% APR on balances for convenience checks or cash advances, but there is a 5% transaction fee
• No cash advance fee

Visa Platinum

• APR 7.25%
• Default penalty APR is only 15.25% and cash-advance APR is only 11.25% with a 3% transaction fee.
• Balance transfer APR is 7.25%

Visa Platinum Travel Rewards

• 0% for six months on balance transfers
• No transfer fee
• 8.95% APR

Credit card benefits change frequently. The rates and benefits that these four cards offer are the best that are available to you right now. Knowing this information will help you narrow your search for the credit card that will help you save money and give you the most benefits. Each of these companies has many different cards so be sure you don't sign up for the first one you see, but find the exact credit card with these benefits.

Credit : http://ezinearticles.com/?Zero-Interest-Credit-Cards-Not-So-Hard-to-Find!&id=1771387

Secured Loans?

Secured loans are those loans that are protected by an asset or collateral of some sort. The item purchased, such as a home or a car, can be used as collateral, and a lien can be placed on such purchases. The finance company or bank will hold the deed or title until the loan has been paid in full, including interest and all applicable fees. Other items such as stocks, bonds, or personal property can be put up to secure a loan as well.

Secured loans are usually the best way to obtain large amounts of money quickly. A lender is not likely to loan a large amount without more than your word that the money will be repaid. Putting your home or other property on the line is a fairly safe guarantee that you will do everything in your power to repay the loan.

Secured loans are not just for new purchases either. Secured loans can also be home equity loans or home equity lines of credit or even second mortgages. Such loans are based on the amount of home equity, or the value of your home minus the amount still owed. Your home is used as collateral and failure to make timely payments can result in losing your home.

Other types of secured loans include debt consolidation loans where a home or personal property is used as collateral. Instead of having many --usually high interest-- payments to make each month, money is loaned to pay the original lenders off, and the borrower then only has to repay the one loan. This is not only more convenient but it will also save a lot of money over time, since interest rates for secured loans are lower. A debt consolidation loan usually offers a lower monthly payment as well.

On the other hand, unsecured loans are the opposite of secured loans and include things like credit card purchases, education loans, or bank notes, which usually demand higher interest rates than secured loans, because they are not backed by collateral. Lenders take more of a risk by making such a loan, with no property to hold onto in case of default, which is why the interest rates are considerably higher. If you have been turned down for unsecured credit, you may still be able to obtain secured loans, as long as you have something of value or if the purchase you wish to make can be used as collateral.

Credit : http://www.wisegeek.com/what-are-secured-loans.htm

Acne

It is hard to believe that though we live in the age of computer technology where cloning of humans has become possible, it is still difficult to find effective acne solutions. Before we get into the solutions, let's take a look at what acne is first.

What is acne?
Acne is a skin condition where the sebaceous glands produce excess oil which clogs the skin pores. The oiliness attracts grime and dead cells resulting in an excellent environment for harmful bacteria to multiply. When this happens pus formation follows and you get an acne outburst. Most acne solutions are designed to reduce and eliminate the pus formation; very few acne solutions, if at all, work as preventive measures.

The scientific name for this condition is acne vulgaris, and this affects about 20 million people in USA alone. This means that at least about 20 millions people out there in the world are looking for acne solutions.

What causes acne?
The absence of foolproof acne solutions results from the fact that there is no real cause for acne formation. It is believed that hormones influence the onset and development since acne normally erupts during puberty and worsens through adolescence. Sometimes however, the trigger for acne is food allergy, while in other cases yeast overgrowth is blamed for the condition.

This is why before you adopt any advertised over the counter (OTC) medication, you should consult with a doctor. Unless you get to the root of the problem and identify what is the cause of your acne formation, the acne solutions you use might not give you the desired results.

What are the best acne solutions for you?
As you can see there are no standard acne solutions that can be prescribed for one and all. Each case is different and therefore the treatment which is adopted needs to be tailor-made to your skin condition. The best acne solutions are often the simplest ones inspired by nature. This does not mean that you shift focus from chemical products to herbal ones. Rather, you should take a serious look at homemade remedies which can be made at home from fresh and genuine ingredients. There are plenty of herbs that can help in fighting and curing acne completely. A consultation with your local certified herbologist might get you started in this area.

Side by side with the acne solution you choose, ensure that you maintain a disciplined life. You need to have at least 6-8 hours of sleep per night; and no, weekend sleep marathons do not balance the lack of sleep during the week days. The key to best acne solutions lies in a healthy diet, relaxed mind and moderately exercised body. Pay attention to your water intake. In most cases, the acne condition is aggravated by dehydration of the skin. You need to drink about 2 liters of water every day.

Avoid cosmetics as much as possible. Use only natural (homemade) beauty aids. Ensure that you clean your face thoroughly at night and have a cleansing facial at least once a month. Used together these measures give you the most effective acne treatment you can ever find.

Critical illness Insurance

life insurance with critical illness

Critical illness insurance or critical illness cover is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.

The policy may also be structured to pay out regular income and the payout may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation.

The policy may require the policyholder to survive a minimum number of days (the survival period) from when the illness was first diagnosed. The survival period used varies from company to company, however, 28 days and 30 days are the most common survival periods used.

The contract terms contain specific rules that define when a diagnosis of a critical illness is considered valid. It may state that the diagnosis need be made by a physician who specialises in that illness or condition, or it may name specific tests, e.g. EKG changes of a myocardial infarction, that confirm the diagnosis.

In some markets, however, the definition of a claim for many of the diseases and conditions have become standardised, thus all insurers would use the same claims definition. The standardisation of the claims definitions may serve many purposes including increased clarity of cover for policyholders and greater comparability of policies from different life offices. For example, in the UK the Association of British Insurers (ABI) has issued a Statement of Best Practise which includes a number of standard definitions for common critical illnesses.

Credit : http://en.wikipedia.org/wiki/Critical_illness_insurance

Life Insurance

Critical Illness Insurance And Life Insurance Cover For Better And For Worse.
By Rachel Lane .

There are three main types of insurance cover you can buy to protect yourself and your family: life insurance, private medical insurance and critical illness insurance. If you want your financial health to be completely bionic then you could choose all three types of insurance, but if your family finances are more restricted, it might be better to insure yourself with critical illness insurance and life insurance. Critical illness insurance should not be confused with private medical insurance or even income protection insurance and it’s important that you do a full evaluation of your needs before you pursue the different insurance options.

The purpose of critical illness cover (CIC) is to fill a gap that is left by traditional life insurance policies, which will only provide a pay-out on the death of the policy holder. CIC provides a tax free lump sum following the diagnosis of one of a number of life-threatening illnesses or certain types of surgery. The sorts of situations usually covered include the diagnosis of cancer, a stroke, a heart attack, the loss of a limb and many other serious disabilities.

Critical illness insurance policies are typically sold to cover mortgage repayments and are often sold alongside a life insurance package to ensure the borrower can repay the loan in all circumstances. It is worth noting that if a combined life insurance and critical illness cover package is taken out, then it would not be unusual for an insurer to pay out for only one of the events. Therefore if the policy holder suffers a critical illness and then dies at a later date, there will only be one pay-out – for the initial illness. It is essential whenever you take out a policy that you make sure it covers all of your needs and those of your family. Don’t estimate how much cover you may actually need. You will additionally need to consider the period

for which you want critical illness cover, such as a set number of years to cover the mortgage or no fixed period at all, so you can maintain the policy as long as you need it.

The critical illness insurance market has come under increasing pressure in recent years, as the number of claims has soared, survival rates increased and medical science has made it far easier to detect serious conditions much earlier. These factors have prompted some serious questions about the viability of critical illness cover, particularly guaranteed products.

For the majority of people, the most important benefit of critical illness insurance is to protect their mortgage and most mortgage protection policies allow you to include life insurance and critical illness cover. If you already have life insurance in place, you can buy an additional, separate critical illness insurance policy.

Resources:
http://www.abi.org.uk/ The Association of British Insurers
http://www.moneynet.co.uk/insurance/index.shtml Consumer Insurance Comparison Research
http://www.moneynet.co.uk/home-car-travel-insurance-guide/index.shtml Insurance Guide

Disclaimer:
I am not a financial expert. Read my article, but do your own research. No lawsuits here please.About The Author: Rachel writes for the personal finance blog Cashzilla – personalfinanosaurus – licensed to roar. Rachel spends her not-so-free time researching and writing personal finance articles, but she gets through it with Smarties and Fruit Pastilles. To read more about Rachel and Cashzilla visit http://www.cashzilla.co.uk

We strive to provide only quality articles, so if there is a specific topic related to life insurance that you would like us to cover, please contact us at any time.

And again, thank you to those contributing daily to our term life insurance website.

Structured Settlements

What Is a Structured Settlement?
Sometimes when a plaintiff settles a case for a large sum of money, the defendant, the plaintiff's attorney, or a financial planner consulted in association with the settlement, will propose paying the settlement in installments over time rather than in a single lump sum. When a settlement is paid in this manner it is called a "structured settlement". Often the structured settlement will be created through the purchase of one or more annuities, which guarantee the future payments.

A structured settlement can provide for payment in pretty much any schedule the parties choose. For example, the settlement may be paid in annual installments over a number of years, or it may be paid in periodic lump sums every few years.
Benefits of a Structured Settlement

One significant advantage of a structured settlement is tax avoidance. With appropriate set-up, a structured settlement may significantly reduce the plaintiff's tax obligations as a result of the settlement, and may in some cases be tax-free.

A structured settlement can protect a plaintiff from having settlement funds dissipated, when they are necessary to pay for future care or needs. Sometimes a structured settlement can help protect a plaintiff from himself - some people simply aren't good with money, or can't say no to relatives who want to "share the wealth", and even a large settlement can be rapidly exhausted. Minors may benefit from a structured settlement as well, such as a settlement which provides for certain costs during their youth, an additional disbursement to pay for college or other educational expenses, and then one or more disbursements in adulthood. An injured person who has long-term special needs may benefit from having periodic lump sums with which to purchase medical equipment or modified vehicles.

In some situations, it will be better for a severely disabled plaintiff to set up a special needs trust, rather than entering into a lump sum or structured settlement. Any plaintiff who is receiving, or expects to receive, Medicaid or other public assistance, or the guardian or conservator entering into a settlement on behalf of a disabled ward, should consult with a disabilities financial planner about their situation before choosing any particular settlement option or structure.
Potential Disadvantages of Structured Settlements

Some people who enter into structured settlements feel trapped by the periodic payments. They may wish to purchase a new home, or other expensive item, yet be unable to muster the resources because they can't borrow against future payments under their settlement.

Some people will do better by accepting a lump sum settlement, and investing it themselves. Many standard investments will give a greater long-term return than the annuities used in structured settlements.
Selling a Structured Settlement

If you have a structured settlement, you may have been approached by a company interested in purchasing your settlement, or may be curious about selling your settlement in return for a lump sum buyout. About two thirds of states have enacted laws which restict the sale of structured settlements, and tax-free structured settlements are also subject to federal restrictions on their sale to a third party. Also, some insurance companies will not assign or transfer annuities to third parties, to discourage the sale of structured settlements. As a consequence, depending upon where you live and the terms of your annuities, it may not be possible for you to sell your settlement.

Keep in mind that companies which buy structured settlements intend to profit from their purchase, and sometimes their offers may seem quite low. You may benefit from approaching more than one company in relation to the sale of your settlement, to make sure that you obtain the highest payoff. You also want to be sure that the company which wants to buy your settlement is established, well-funded, and reputable - you don't want a fly-by-night outfit to obtain the rights to your annuities but to disappear or go bankrupt before paying you the buyout money. You may have to go to court to get a judge to approve the buyout. It is usually a good idea to consult with a lawyer before entering into an agreement to sell your settlement.
Special Considerations

Any person entering into a structured settlement should be on guard for potential exploitation in relation to the settlement:

Excessive Commissions - Annuities can be highly profitable for insurance companies, and they often carry very large commissions. It is important to ensure that the commissions charged in setting up a structured settlement don't consume an inappropriate percentage of its principal.

Overstated Value - Sometimes, after negotiating a particular settlement figure, the defense will overstate the value of a structured settlement. As a result the plaintiff, in accepting the settlement, in fact obtains a significantly lower dollar value than was agreed upon. Some defendants have nominally paid the full amount of the settlement, knowing that they would later obtain significant rebates from the annuity companies they used. Plaintiffs should consider compariing the fees and commissions charged for similar settlement packages by a variety of insurance companies, to make sure that they are in fact getting full value. A plaintiff may wish to make it a condition of the settlement that the defendant will actually pay the full value of the settlement in setting up the structured settlement, and that any rebates received by the defendant for annuities included in the settlement be payable to the plaintiff.

Self-Dealing - There have been cases where the plaintiff's lawyer is also in the insurance business, and sets up a structured settlement on behalf of a client without disclosing that the attorney is purchasing the annuities from his own business, or is pocketing a large commission on the annuities. Similarly, there have been situations where the plaintiff's attorney has referred the client to a particular financial planner to set up a structured settlement, without disclosing that the financial planner will be paying the attorney a referral fee in relation to the client's account. Make sure that you know what financial interest, if any, your lawyer has in relation to any financial services sold or recommended by the lawyer.

Life Expectancy - It is unfortunate, but many people who receive large personal injury or workers' compensation settlements will have a shortened life expectancy as a result of their injuries. It is important to consider life expectancy in association with any structured settlement, and to consider whether it is appropriate to enter into an annuity where payments will cease upon death. Sometimes it will make sense to insist upon an annuity that pays a minimum number of payments, or one that will pay a balance into the plaintiff's estate, such that the value of the settlement is not lost to an insurance company upon the plaintiff's untimely death.

Using Multiple Insurance Companies - For larger settlements, it often makes sense to purchase annuities for a structured settlement from several different companies, dividing the settlement between those companies. This can provide you with protection in the event that a company that issued annuities for your settlement package goes into bankruptcy - even in the event that one of the companies defaults in part or in full on your settlement payments, you would still receive full payment from the other companies.

Credit : http://www.expertlaw.com/library/personal_injury/structured_settlement.html