If You Are A Student Read This

Students are one of the biggest groups that struggle with maintaining health insurance. This problem will supposedly be addressed by the up coming changes in the American Health Care program; however these changes may take over a decade to institute. In the meantime it is important to realize the options that are available to students.Many first and second year college students are eligible to remain on their parents health insurance policies because of their age. As they age however, they may find that their parent’s insurance doesn’t want to cover them. Even when your family health insurance coverage will still cover these adult students it may still be advisable to look at other more cost effective health care options.Student health insurance is available to those who are enrolled in school both part time and full time and is usually available through most colleges and universities in the United States. Many times materials relating to student health insurance benefits are included in the initial paperwork that is handed to new students prior to enrollment.Some schools do not include health insurance options in their initial packets however, and if this is the case you may want to sit down and consult with your college advisor about health insurance options that may be available to you through the school or through other professional organizations. You may be surprised to learn about the available option for health insurance through the college years.Most students can pick up affordable health insurance because for the most part those who are college age tend to healthier overall as compared to the population as a whole. Being a lower risk group really helps and that is why many parents even those of college freshmen wind up switching over to student health insurance policies. These policies usually cover a student for all their needs and since they are based on the college or university that they are attending, most of the health care providers in the plan will be local to the school no matter how far away they go from home.

How To Get A Credit Card With Less Than Perfect Credit

By Max Pain

Credit cards can be vital to function today, whether it be to book a hotel room or rent a vehicle. Don’t despair if your credit is less-than-perfect and you have had trouble getting a credit card. Many cards are geared for people with bad credit.

When looking for a credit card for less-than-perfect credit, the important thing is to do your research beforehand and not to apply for every card, as it can lower your credit score. Don’t worry if your credit isn’t perfect because credit card lenders look at more than just your credit history. You can improve your chances at qualifying by having a steady income and long time residency.

If you have less-than-perfect credit, you will generally have two options for cards:

[youtube]http://www.youtube.com/watch?v=tqWoboklPpQ[/youtube]

Secured credit cards

You must make a deposit in a savings account with the bank that issues the secured credit card in order to use it. The deposit is used as collateral for your card. The amount that you need to deposit varies with the program, but generally if you deposit $300, you would have a credit limit of $300. You can increase your credit limit by depositing more money.

Some secured credit cards may offer a slightly higher credit limit than what is in the collateral savings account. As you keep the account in good standing, the credit line will go up. If you default on the card, the bank will use the money in the account to pay the balance of the card.

Secured credit cards work exactly the same as regular credit cards except for the deposit. Banks may or may not report these cards to credit bureaus, so check with cards you are considering. If you are trying to rebuild your credit, you will want the information reported to boost your score. Your money will also earn interest while it is in the collateral savings account.

Unsecured credit cards

Unsecured credit cards do not require any deposit and work as a typical credit card. Credit lines are generally low to begin, sometimes only $200, but will rise as you keep the card in good standing. These cards will have higher interest rates and fees than other standard credit cards. The agencies usually report to credit bureaus, but check to make sure your information is being reported so you can help improve your score.

About the Author: Lauren Armstrong is an industry professional and expert author at

Loans

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4 Tips To Get Wholesale Coogi Clothing At Low Prices

By John Peter

The holiday seasons are here thus there is no doubt that people are going to get in to those apparel stores and flock up there to buy clothes for themselves and the near and dear ones. There are a lot of brands that people would choose from like Reebok, Adidas, Nike, Bape, Puma, The North Face, Pepe, Roca etc but apart from these brands there is one brand ‘Coogi’ that is really growing and is making a name, very fast in the industry for them selves. Coogi clothing range is fashion-forward and trend-setting, exactly like the customer it represents.

For over three decades now, Coogi has produced exciting and unsurpassed standard of eminence designer clothing. Coogi designs have an upscale urban style. This brand is just right for all the fashion savvy people as their designs are undeniably distinctive.

That’s correct Coogi is the brand that you ought to look out for this year!

Here are some tips that would help you to procure some wholesale Coogi clothing’s at low prices.

[youtube]http://www.youtube.com/watch?v=lfd60447XoI[/youtube]

Tip #1

Hook up on to the internet and there would be thousands of stores that would be selling Coogi jeans, Tees, etc to you on a whole sale basis and at really low prices. This is one good way to procure these clothes at a very low cost as there is no cost that these stores incur, so they are always able to sell stuff at prices that other physical stores are not even able to dream of.

Tip #2

There are wholesale distributors of Coogi clothing that you would get to know if you search a little on the net you can get in touch with them directly and they would sell you stuff at really low costs that the whole sellers would buy for. This is one good way of making really high amount of profits. But the only thing that you need to consider that you have to buy in really big bulks from them and that is what would involve a lot of money in the transaction.

Tip #3

There are local whole sellers who sell and supplies clothes to other retailers and they would be able to sell you clothes at a lesser cost. This could be a win – win situation for you. Apart from selling the clothes at really low costs they would not even insist on a bulk purchase too thus it is one option where in not a huge amount of money would be blocked for you.

Tip#4

There is one more way to get Coogi clothes on a whole sale basis at really rock bottom prices that is if you invest in taking dealership from the company and you yourself are an authorized dealership of the Coggi brand. In this case you would land up getting commission on the clothes that you happen to sell apart from getting the clothes for yourself at really rock bottom prices from the company.

About the Author: Quick Recap: The four tips that would help you to procure some

Wholesale Urban Wear

Coogi clothing’s at low prices are: — Invest in taking dealership from the

Wholesale Hip Hop Clothing company

. — Find

Wholesale Urban Clothes

distributors of Coogi. — Get from whole sellers who sell and supplies clothes to other retailers. — Hook up on to the internet.

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Irda S Plan To Advertise Insurance Products Through Post Offices Hits Barrier

Submitted by: Bima Deals

The life insurance wing of India s postal service has objected to the insurance regulator s move to allow post offices to vend the policies of other insurers.

India Post s life insurance section says since the postal department has its own life cover schemes, it should not sell the policies of other insurers.

We have the largest network on which other insurance companies want to ride, an official of the directorate of the postal life insurance (PLI) said on situation of inscrutability. We have our own insurance scheme. Then why should we sell policies of other insurance companies and lose our advantage?

The Insurance Regulatory and Development Authority (Irda) in October allowed each postal region of India Post to function as an insurance agent. Each such circle was allowed to sell policies of two general insurance firms, two life insurers, one agricultural insurance company and one stand-alone health insurer.

Some private insurance firms have found it difficult to expand their distribution networks. The regulator s move to have post offices act as agents would have worked in the larger interests of financial inclusion, according to Irda.

[youtube]http://www.youtube.com/watch?v=6o_2TeVk1tc[/youtube]

To be sure, since selling financial products is a good way to generate income, the postal department is reluctant to let go of this income-earning segment despite objections from its insurance wing.

It was India Post that had asked for such an arrangement, said an Irda official. Earlier, they were allowed to sell policies of only one insurance company, he said, requesting anonymity. We permitted each circle to sell policies of two life and general insurers and one health insurer.

Postal life insurance, initially meant for postal employees, was later extended to other government employees. In 1995, it was extended to rural areas.

There were more than 4.4 million postal life insurance policies and 9.9 million rural postal life insurance policies as on 31 March 2010, official data show.

Irda gave India Post a special allowance after an expert committee headed by Ajay Shah suggested effectively utilizing the postal network to further financial inclusion.

The insurance regulator wanted to leverage the reach of India Post to deepen the coverage of insurance services in the country. While the penetration level of general insurers is as low as 0.6% of the gross domestic product, incursion of life insurers is slightly above 4%.

India Post has a network of over 155,000 branches across 22 circles. More than 45% of its income comes from various financial services. As of December 2009, India Post s total revenue was Rs.2,273.69 crore.

Selling insurance policies is a good revenue stream for the postal department. As it is, the PLI scheme does not cover all the requirements of the population, said an insurance company official, who declined to be named.

Private insurers say if the India Post experiment was successful, Irda may also authorize banks to sell policies of more than one firm.

I think Irda has test-piloted by opening it out for India Post, said another insurance company official, requesting anonymity. The regulator wants to see what the teething problems are and the bottlenecks before permitting an open architecture.

Source: [Livemint.com]

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I Need A Personal Loan To Stop An Eviction 5 Steps To Take

By Larry Donaldson

Facing eviction from your home can be a terrifying experience. The idea of being out on the street, moving back in with family or going back to being a renter are not appealing options for most people. After all, if buying your home feels like a privilege you can be proud of, then losing your home to eviction feels like a disgrace.

Usually, a person does not get an eviction notice unless they are behind several payments on their mortgage. Thus, even a sizable loan is not likely to completely pay off the sum total of your outstanding mortgage payments in one fell swoop.

On the other hand, many banks are becoming increasingly reasonable with their mortgage customers due to problems in the home mortgage industry as a whole. It just may be the case that being able to pay for one or two back-payments will be enough to put off the eviction indefinitely. Sometimes, a bank just needs to be able to see that you are really trying to stay in your house and are willing to cooperate.

If you are saying to yourself, “I need a personal loan to stop an eviction,” here are 5 steps to take to getting funded:

1. Understand what a personal loan can do for you:

[youtube]http://www.youtube.com/watch?v=H1m3HmnznHM[/youtube]

A personal loan is a short-term loan for which you can qualify after going through an application process. It differs from a home loan or an auto loan in that with a personal loan, you are not specifying exactly how you will be using the money. Rather, you can use it for anything you like.

2. Understand the downside of a personal loan:

The only downside to a personal loan is that it is a short-term loan, so you should have a plan together for how to repay the loan within a short period of time of say 1-2 months. Also, a personal loan often has a high interest rate associated with it. Often, personal loans are taken out by making out a check to the lender against a future paycheck.

3. Secured or unsecured: what’s your fancy?

There are two main types of these loans: secured and unsecured. The main difference is that with secured loans, you have to put up some type of collateral against the loan. In exchange, you get a lower rate that with an unsecured loan which does not require collateral.

4. Check your credit score:

Before filling out any applications, it is always a good idea to go ahead and check your credit score before applying. Run your report with TransUnion, Experian and Equifax since your FICO score will vary from one to the next. At the very least, you will know where you stand in terms of your credit. And, doing this will give you the chance to protest and fix any glitches you find there.

5. Apply to multiple trusted personal loan lenders:

To get the best rate for your loan, make sure you apply to many lenders, not just one or two. You may be surprised how much the interest rate and other loan terms can vary depending upon which lender you try. You will never you if you got the best-possible rate without doing your homework.

Take these 5 steps to avoid eviction by taking out a personal loan.

About the Author: Get a fail-safe how-to guide on securing a personal loan today at:

Miracle Bad Credit Loan Source

.

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What To Do When Your Car’s Factory Warranty Expires

What To Do When Your Car’s Factory Warranty Expires

by

us direct protect

Car repairs are an unpleasant reality of life. We generally don’t know where or when they will occur, only that they will and this is a fact. Two options exist when they do: pay for them yourself or use an Extended Vehicle Warranty.

Extended Auto Warranties are in essence an insurance policy on your vehicle against mechanical breakdowns. In fact, Extended Car Warrenties are not really warranties at all. To be accurate, the term warranty implies that the coverage is included in the purchase price of the vehicle. Since the car owner pays for this coverage themselves, these extended vehicle warranties are more precisely Vehicle Service Contracts. Like the original manufacturer’s warranty, they cover agreed upon repairs and/or routine maintenance for an agreed upon period of time.

Before purchasing an Extended Car Warranty, consider the following:

[youtube]http://www.youtube.com/watch?v=ukaahh5JpoE[/youtube]

You can purchase extended coverage for your vehicle at any time. Don t feel pressured into buying one when you are purchasing your vehicle.

Don t duplicate your car warranty coverage. New cars today come with longer, more comprehensive warranty coverage. Be sure any extended coverage you re paying for isn t duplicating existing coverage on your car.

Match the coverage to your driving habits. If you only drive 10,000 miles per year and plan to keep your car three or four years, there s no need to buy an extended auto warranty that s good for another 50,000 or 75,000 miles.

Get some advice from a pro. Have a trusted mechanic check your warranty or make sure you checked the BBB on the Auto Warranty Companies that you choose. Understand what s covered and what s not, as well as details about the business end of the coverage: who can work on your car and how do they get paid.

Understand how your deductible works. How much is it? Do you pay the deductible amount just once per trip to the mechanic or is it applied separately to each repair made? Details like this could make a huge difference in your total repair bill.

Check out the company underwriting your extended auto warranty. Know who you re dealing with and what their reputation is.

Today s cars are much more reliable than cars of the past. It is actually quite rare for a car to require serious repairs. What are the reliability ratings for your car, how likely is it that it will actually require serious repairs?

Companies that deal in extended car warranties are in the business. So let them direct you to the best policy for you and your vehicle.

www.usdirectprotect.com shops the top 6 providers so you dont have too.

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What To Do When Your Car’s Factory Warranty Expires

The Benefits Of Online Physical Therapy Exercise Software Over Installed Software

By Jay Winburn

WINNIPEG, MANITOBA, CANADA – Although some physical therapy practices find themselves in search of areas in which to cut costs when tough economic times hit, they don’t want to sacrifice treatment quality or customer service in the process.

An area where cost savings and other benefits can be seen that sometimes is overlooked is physical therapy software. Physical therapy clinics who use physical therapy documentation software often use installed software.

But as the Internet becomes more robust, an increasing number of clinics are gravitating toward cloud-based online software, which eliminates the need to maintain expensive computer equipment on-site.

Instead of taking a do-it-yourself approach that requires clinics to account for their software, servers, firewall protection, etc., online software brings all of that to the user as a service.

“We are experiencing an evolution in computing,” says Mike Gauthier, vice president of product development for Prognition Corp., the makers Mavenlive physical therapy exercise software, a cloud-based software solution. “We believe that for those who don’t convert to Internet software, they will incur more expense in the future than those who have the foresight to adopt the model.”

Internet software users can access the latest versions of the software, because updates are made automatically by the software manufacturers, which requires no effort from users. There is no need to download or purchase service packs or upgrades. Internet software also can help save money on sometimes costly IT support services. Installed software is self-limiting, Gauthier says.

[youtube]http://www.youtube.com/watch?v=SwAC6MnuSsc[/youtube]

Use of that software frequently is restricted to the computer on which it is installed. That means clinicians dont have the ability to work from home on a laptop if they want to catch up on paperwork after work hours. If a modified exercise or program is made on one computer, it may not be able to be accessed from another.

Office networks can be set up to work around some of these setbacks, but that doesn’t always combat all of the negatives associated with installed software, Gauthier says.

The benefits of online software are numerous in terms of exercise software.

“You can use the cheapest computers, notepads and laptops- even smart phones- that you want, because any of these devices are capable of accessing the Internet software,” says Dr. Jay Winburn, president of Prognition Corp., adding that users also can use Macs or PCs without any difficulty.

No installation process is required for using Mavenlive physical therapy exercise software or other online software, and it requires no use of hard drive space. Since online software does not run on a hard drive, users aren’t faced with issues that often occur when installing software.

Online software can be accessed anywhere there is an Internet connection. That makes it possible to catch up on documentation during a lunch hour, a break, or even at home. Another important factor for physical therapy clinics is that of security. Online software can store data securely, as well as provide automatic backups.

Sharing rehabilitation exercises and other data also is easy with online software, Winburn says.

“There just aren’t any monumental setbacks to Internet software that we’ve identified,” he says. “We feel confident that this is the direction all physical therapy practices are headed.”

About Mavenlive and Prognition Corp.

Mavenlive was created in March 2009 by Prognition Corp., a software company headquartered in Canada’s National Research Council’s Biomedical Commercialization Centre in Winnipeg, Manitoba.

2011 Master Google and Maven Live. Authorization to post is granted, with the stipulation that Master Google is credited and as sole source. Linking to other sites from this press release is strictly prohibited, with the exception of herein imbedded links.

About the Author: To learn more about the benefits of Mavenlive online

physical therapy software

when prescribing

physiotherapy exercises

and our rehabilitation

exercises

or schedule a free trial, call 866- 996-2836 or visit the company’s website: www.mavenlive.com

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