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Posts Tagged ‘Until’

Never Cancel An Existing Life Insurance Policy Until A New One Is In Force!

Life insurance is a very necessary purchase, and chances are, you already own a policy. The current life insurance rates are at near record lows. Most people, who bought their policies several years ago, are actually paying higher premiums than they would pay if they bought a policy now. It is a good time to review your policy and replace it with one that costs less and provides better protection.

When most people consider replacing policies, they first think of canceling their old policy, before shopping around for a new policy. It is a psychological reaction, because they feel they will be stuck paying premiums for two policies instead of one. However, one must never cancel an existing life insurance policy until a new one is not only bought, but is in force.

The importance of understanding what “in force” means.
What does “in force” mean? It means that your policy is active, and your first premium is paid for. Most consumers think that they can cancel an existing policy and then start looking for a new one, or when a new life insurance carrier approves them for a new policy. However, your new policy will come into effect only when your first premium is in place. Applying for a policy is not an assurance that your policy has been approved, and receiving intimation that your policy is approved, is not enough. It is merely an offer by the life insurance company, and will come into effect only when you accept the offer by paying the first premium.

Why wait until a new policy is in force, before canceling an existing policy?
– When you don’t wait until your new policy is in force, you remain uninsured for a certain period of time, between policies. This is a big risk, because should you die unexpectedly during this period, your loved ones will be left unprotected.
– You may not qualify for a good rate on the new policy, or may even be declined a policy. You may have bought your existing policy a long time ago, when you were in good health. If your health has deteriorated since then, it is possible that your premiums may not be as low as you expected them to be. You may in fact regret letting go of your earlier policy in haste.
– New policies are totally different, and come with new riders and options, but chances are that when your new policy comes into effect, you will realize that the riders on the policy you just let go, in fact gave you unbeatable value. In this case, you can’t go back to the older policy, and you will have regrets.

The conversion feature is a great alternative to buying a new policy
If your health has declined since you first purchased your policy you may have trouble getting a new policy. In spite of poor health, you may still qualify for a new term life insurance policy at good premiums and coverage, but it is fairly certain that your premiums will dramatically increase when your level term period comes to an end.

In this case, term conversion is an attractive option. It allows you to convert your existing term life insurance policy to a permanent one, without having to prove insurability. This takes care of you even if your health has deteriorated, and the new premiums are guaranteed for the rest of your life. However, the option should be exercised no later than a certain age, and conversion premiums depend on your age at the time of conversion; so the earlier you convert, the better.

Think your options through before canceling an existing policy
Life insurance decisions should never be made in haste. You will probably be able to beat the rate on your existing policy by shopping around. Your family comes first, and you owe it to them to act responsibly, and make sure you are covered at all times.

About Author

About AccuQuote:
AccuQuote is a leader in providing term life quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term insurance as easy as possible for its customers.

Don’t Buy Another Recipe Book Until You See This Video!

In the daily challenge of cooking meals for your family, home cooking recipes can be a help or a hindrance. How recipes work for you depends on what you expect them to tell you. Remember, recipes are good at telling you some things, but don’t help you with an overall kitchen culinary journey. If this is what you’re expecting, if you’re expecting guidance that will help you to become a master chef in your home, you will be disappointed.

Here is a review of some of the things that recipes don’t tell you about cooking meals at home:

* Variations in ingredients or potential substitutions
* Variations in measurements or how to handle mistakes in measuring
* Variations in different oven and stoves and their varying temperatures
* Variations in time or how to tell EXACTLY when the meal is cooked
* Why you are taking the steps that you are being asked to take so you can make educated decisions

In fact, recipes are best used as a guide for cooking meals just as a musician uses sheet music as a guide for playing music. But if you think about the musician that reads sheet music, they already know how to play an instrument and they can bring the sheet music to life. In the same way, in order to bring a recipe to life, in many respects, you already need know how to cook or at least understand several different cooking methods.

Have you ever heard a cover version of a favorite song? This happened to me recently. I happen to be a fan of Counting Crows and their song, Mr. Jones. Someone else had reinterpreted the song and was singing it as though it were a poem. I was upset! It just didn’t sound the same, but obviously, the musician had put his own spin on it and it may sound great to him and his fans.

So, if you understand how to cook and how to use recipes as an inspiration for your interpretation, you can overcome the things that the recipes don’t tell you about cooking meals at home. You’ll have power, strength and confidence to make the recipe come to life in your personal kitchen culinary vision.

Here are some ways to use recipes to your advantage:
Ingredients – Become familiar with families of ingredients so you can make substitutions. Here are a few examples:

* spinach for escarole
* carrots for daikon
* ostrich for steak

Measurements – forget measurements, cook by how the food looks to you and how it tastes. In your desire to complete the dish as the recipe defines it, you are being distracted from the art of cooking, from enjoying and developing your kitchen culinary skills. Remember, the cookbook doesn’t know your kitchen, you do. The recipes doesn’t know how you like your meals to taste, but you do. So take back control and stop measuring.

Variations in oven temps and times – forget about temperatures and times. Even if you’ve already cooked the recipe at your mom’s house or your best friends house, you can’t rely on the stated temperatures and times. Your oven may be 25 degrees warmer. Instead, use your eyes. Look for visual cues (quantify your cooking): the coagulation of proteins, the caramelization of starches, the evaporation of moisture, the reduction of sauces, etc.

Why you are taking the steps you do – how do you overcome this? Learn basic cooking methods like sauté, steaming, poaching, roasting and grilling. By understanding the nuances of these basic methods, you will be able to look at recipes as a particular method or combination of methods. In this way, just as the piano player hears the melody and attaches their own interpretation, you will begin cooking at home from recipes that will have everyone (including yourself) believing that you are a kitchen culinary master!

Chef Todd Mohr PhotoAbout Author
Learn his 1 Secret for Free and discover how online cooking classes can really teach you to cook!

Don’t Buy Another Recipe Book Until You See This Video!

In the daily challenge of cooking meals for your family, home cooking recipes can be a help or a hindrance. How recipes work for you depends on what you expect them to tell you. Remember, recipes are good at telling you some things, but don’t help you with an overall kitchen culinary journey. If this is what you’re expecting, if you’re expecting guidance that will help you to become a master chef in your home, you will be disappointed.

Here is a review of some of the things that recipes don’t tell you about cooking meals at home:

* Variations in ingredients or potential substitutions
* Variations in measurements or how to handle mistakes in measuring
* Variations in different oven and stoves and their varying temperatures
* Variations in time or how to tell EXACTLY when the meal is cooked
* Why you are taking the steps that you are being asked to take so you can make educated decisions

In fact, recipes are best used as a guide for cooking meals just as a musician uses sheet music as a guide for playing music. But if you think about the musician that reads sheet music, they already know how to play an instrument and they can bring the sheet music to life. In the same way, in order to bring a recipe to life, in many respects, you already need know how to cook or at least understand several different cooking methods.

Have you ever heard a cover version of a favorite song? This happened to me recently. I happen to be a fan of Counting Crows and their song, Mr. Jones. Someone else had reinterpreted the song and was singing it as though it were a poem. I was upset! It just didn’t sound the same, but obviously, the musician had put his own spin on it and it may sound great to him and his fans.

So, if you understand how to cook and how to use recipes as an inspiration for your interpretation, you can overcome the things that the recipes don’t tell you about cooking meals at home. You’ll have power, strength and confidence to make the recipe come to life in your personal kitchen culinary vision.

Here are some ways to use recipes to your advantage:
Ingredients – Become familiar with families of ingredients so you can make substitutions. Here are a few examples:

* spinach for escarole
* carrots for daikon
* ostrich for steak

Measurements – forget measurements, cook by how the food looks to you and how it tastes. In your desire to complete the dish as the recipe defines it, you are being distracted from the art of cooking, from enjoying and developing your kitchen culinary skills. Remember, the cookbook doesn’t know your kitchen, you do. The recipes doesn’t know how you like your meals to taste, but you do. So take back control and stop measuring.

Variations in oven temps and times – forget about temperatures and times. Even if you’ve already cooked the recipe at your mom’s house or your best friends house, you can’t rely on the stated temperatures and times. Your oven may be 25 degrees warmer. Instead, use your eyes. Look for visual cues (quantify your cooking): the coagulation of proteins, the caramelization of starches, the evaporation of moisture, the reduction of sauces, etc.

Why you are taking the steps you do – how do you overcome this? Learn basic cooking methods like sauté, steaming, poaching, roasting and grilling. By understanding the nuances of these basic methods, you will be able to look at recipes as a particular method or combination of methods. In this way, just as the piano player hears the melody and attaches their own interpretation, you will begin cooking at home from recipes that will have everyone (including yourself) believing that you are a kitchen culinary master!

Chef Todd Mohr PhotoAbout Author
Learn his 1 Secret for Free and discover how online cooking classes can really teach you to cook!

Don’t Buy Another Recipe Book Until You See This Video!

In the daily challenge of cooking meals for your family, home cooking recipes can be a help or a hindrance. How recipes work for you depends on what you expect them to tell you. Remember, recipes are good at telling you some things, but don’t help you with an overall kitchen culinary journey. If this is what you’re expecting, if you’re expecting guidance that will help you to become a master chef in your home, you will be disappointed.

Here is a review of some of the things that recipes don’t tell you about cooking meals at home:

* Variations in ingredients or potential substitutions
* Variations in measurements or how to handle mistakes in measuring
* Variations in different oven and stoves and their varying temperatures
* Variations in time or how to tell EXACTLY when the meal is cooked
* Why you are taking the steps that you are being asked to take so you can make educated decisions

In fact, recipes are best used as a guide for cooking meals just as a musician uses sheet music as a guide for playing music. But if you think about the musician that reads sheet music, they already know how to play an instrument and they can bring the sheet music to life. In the same way, in order to bring a recipe to life, in many respects, you already need know how to cook or at least understand several different cooking methods.

Have you ever heard a cover version of a favorite song? This happened to me recently. I happen to be a fan of Counting Crows and their song, Mr. Jones. Someone else had reinterpreted the song and was singing it as though it were a poem. I was upset! It just didn’t sound the same, but obviously, the musician had put his own spin on it and it may sound great to him and his fans.

So, if you understand how to cook and how to use recipes as an inspiration for your interpretation, you can overcome the things that the recipes don’t tell you about cooking meals at home. You’ll have power, strength and confidence to make the recipe come to life in your personal kitchen culinary vision.

Here are some ways to use recipes to your advantage:
Ingredients – Become familiar with families of ingredients so you can make substitutions. Here are a few examples:

* spinach for escarole
* carrots for daikon
* ostrich for steak

Measurements – forget measurements, cook by how the food looks to you and how it tastes. In your desire to complete the dish as the recipe defines it, you are being distracted from the art of cooking, from enjoying and developing your kitchen culinary skills. Remember, the cookbook doesn’t know your kitchen, you do. The recipes doesn’t know how you like your meals to taste, but you do. So take back control and stop measuring.

Variations in oven temps and times – forget about temperatures and times. Even if you’ve already cooked the recipe at your mom’s house or your best friends house, you can’t rely on the stated temperatures and times. Your oven may be 25 degrees warmer. Instead, use your eyes. Look for visual cues (quantify your cooking): the coagulation of proteins, the caramelization of starches, the evaporation of moisture, the reduction of sauces, etc.

Why you are taking the steps you do – how do you overcome this? Learn basic cooking methods like sauté, steaming, poaching, roasting and grilling. By understanding the nuances of these basic methods, you will be able to look at recipes as a particular method or combination of methods. In this way, just as the piano player hears the melody and attaches their own interpretation, you will begin cooking at home from recipes that will have everyone (including yourself) believing that you are a kitchen culinary master!

Chef Todd Mohr PhotoAbout Author
Learn his 1 Secret for Free and discover how online cooking classes can really teach you to cook!

Retire Early, The Savings Highway Has Your Health Care Benefits Covered Until You Reach Medicare

Retire Early, The Savings Highway Has Your Health Care Benefits Covered Until You Reach Medicare

Here’s a topic that most people say is probably the biggest obstacle to be able to retire early in the U.S.: Max out your 401(k) and save all you want in an IRA, but the cost of health insurance can eat through a sizable chunk of these accounts if you retire before you’re eligible for Medicare at age 65.

The solutions to bringing down these costs aren’t miracles, but some may save you enough money to get you to Medicare without soaking up other resources. Today I’ll explore the major sources of health coverage open to those who choose to retire early, and the next section will look at some other (sometimes not-so-conventional) routes to reducing health care costs.

If You Can, Bring It With You

If you retire early (before age 65), your company’s group health coverage is probably your best option. The average retiree paying about $120 per month for company-sponsored coverage – literally hundreds of dollars less than coverage this group obtains on its own. Many companies will cover your spouse if he or she is enrolled in the plan before you retire.

Alas, less than half of those who retire early can count on this coverage, which means finding a way to bring down the price tag on coverage until Medicare is available.

Your Fallback: COBRA + HIPAA

For the many of you who won’t be able to buy into extended employer coverage, your next-best bet is coverage offered under COBRA (Consolidated Omnibus Budget Reconciliation Act of 1986), followed by the coverage protection of the Health Insurance Portability and Accountability Act (HIPAA). As you’ll see, this package isn’t ideal, but it’s more than what was around a few years ago.

Under COBRA, you can continue group coverage for you and your covered spouse and dependents for 18 months after your employment coverage ends. (This coverage can be extended up to 36 months under certain circumstances, including disability.) In most cases you would pay the maximum allowed, which is 102% of the premium, or 2% above the group insurance rate your employer paid. But that group rate can be less than half of what you would buy on your own.

Once COBRA ends, HIPAA guarantees that you can buy certain coverage without being subject to restrictions due to preexisting conditions, so long as you have been covered almost continuously by a group plan or COBRA for at least 18 months. But HIPAA doesn’t do anything about the cost of coverage – in fact, in some states you may wind up paying more than you would with some individual policies. That’s because HIPAA leaves the choice of which plans to offer up to the states.

HIPAA doesn’t always mean immediate coverage – Under HIPAA, insurers can delay covering your preexisting condition for up to one year; they just cannot deny coverage for this condition forever.

For HIPAA protection, be careful with coverage choices – You are protected by HIPAA only when you jump from group coverage, not when you leave a self-purchased policy. If you find a great deal on coverage outside of your pre-retirement policy, keep in mind that you aren’t protected by HIPAA if you decide to change policies again before you’re eligible for Medicare.

ARE There Other Options?

Yes, there are other ways to keep down health care costs in early retirement. And if you join the Savings Highway today you will receive discounts on Dental, Vision and Health benefits coverage to reduce costs that could prevent you from being able to retire early.

Just a few of the benefits you will receive for being a member of the Savings Highway.

HEALTH DISCOUNT PROGRAM… INCLUDED!!!

Good for the entire family!

This savings program will allow you to save 10-50% on your prescription medications at a participating retail pharmacy or through mail order, and up to 40% on diabetes supplies, durable medical equipment, hearing supplies, and over-the-counter items. This is a great program for those who are uninsured or under-insured.

This program can be used by your entire family. No enrollment forms are required. All that is required of you is to simply click one of the links below to print a card or learn more about our program. The card is pre-activated and ready to use. Start saving today!

Prescription Savings Program – 45,000 Pharmacies USA

ACME Pharmacy
Albertson’s Pharmacy
Bi-Lo
Bi-Mart
Brooks Pharmacy
CUB Pharmacy / SuperValu
CVS Corporation
Dillon Pharmacy
Discount Drug Mart
Dominick’s
Duane Reade
Eckerd
Fred Meyer Pharmacy
Fred’s Pharmacy
Giant Eagle, Inc.

Harris Teeter
Hy-Vee Pharmacy
K-Mart Corporation
Kroger Drug Store
Long’s Drug Store
Marc’s Pharmacy
Medicap Pharmacy
Medicine Shoppe Pharmacies
Meijer Pharmacies
OSCO Pharmacy
Pamida Pharmacy
Publix Pharmacy
Quick Chek Pharmacy
Randall’s Pharmacy
Rite-Aid Corporation
Safeway Supermarkets
SAVE-ON Pharmacy
Shaws Pharmacy
Shopko Pharmacy
Shop-Rite
Smith’s Pharmacy
Snyder Drug Emporium
Stop & Shop Pharmacy
Super D Drugs
Target Pharmacy
Tom Thumb Pharmacy
Top’s Pharmacy
Von’s Pharmacy
Walgreen’s
Wal-Mart / Sam’s Pharmacy
Weis Pharmacy
Winn-Dixie

And all of these programs are included Free…

  • Discount Mail Order Savings Program
  • Over-the-Counter (OTC) Savings Program
  • Diabetes Savings Program
  • Durable Medical Equipment Savings Program
  • Hearing Care Savings Program
  • Discount Lab Work Program

For More Information Contact:

Jim Roche NJ

(908) 413-5363

The Savings Highway

About Author
Jim Roche NJ (908) 413-5363The Savings Highway

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