Many companies state that they will protect you, but when we tested them we found out that many of them purposely leak just enough data out to enable your IP to be detected. Your IP address in a way is like you SS number or credit card number; you have the right to hide it if you want to. If you are being charged for this service and the company is still leaking your data, they are essentially ripping you off.
Carrie Fisher will not appear in Star Wars: Episode IX, Lucasfilm president Kathleen Kennedy confirmed on Friday.
In an interview with Good Morning America, Kennedy said Fisher, who died in December, will not be in the movie at all, putting to rest prior reports that Princess Leia would make an appearance in the film, which comes out in 2019.
SAN FRANCISCO (CBS SF) — The State Attorney General’s Office has launched a criminal investigation of Wells Fargo in wake of a growing scandal over bank’s sales practices, it was announced Wednesday. The Los Angeles Times reported that it had obtained a copy of a search warrant served at the bank’s San Francisco headquarters on…
Do Electric Fireplaces Actually Produce Heat? Is It Most Realistic Electric Fireplace? — Professional advice for home heater
Today’s electric fireplace is made to look as real as a wood burning fireplace. They have not always been this way and the fake look discouraged people from wanting to purchase them in the past. The ones manufactured today are designed to simulate flames that look just as real as a wood burning fireplace, a […]
When it’s left unrepaired damage to your home’s roof can be a big issue,. Even a small escape can function as the cause of lots of damage to your own home’s interior. By which case, it’s a wise precaution then fix minor issues prior to them becoming a significant repair job and to inspect your […]
Trump refusal to accept government assessments on Russian hacks dismays former officials — Trending News Now Web
The Republican nominee was told of Russian culpability in a private intelligence briefing. from Politics http://ift.tt/2e0bxxe
WASHINGTON (CBS / AP) – The Obama administration announced Friday that it is eliminating a $100 limit on the value of Cuban rum and cigars that American travelers can bring back from the island. The administration is also lifting limits on cargo ship travel between the U.S. and Cuba and easing U.S. and Cuban researchers’…
CARSON CITY (CBS SF) — Raider fans on Thursday continued to anxiously watch what was happening with the Nevada legislature in the state capitol of Carson City. The Nevada State Assembly is preparing to vote on a funding plan to build a new stadium in Las Vegas that the Oakland Raiders could soon call home…
The cost of a health insurance policy goes beyond simply the monthly premiums. Deductibles, co-pays, and co-insurance amounts should all be included in the
calculations when determining what you should actually expect to pay each year on top of the premium amount. When comparing health insurance quotes, be sure to factor these other costs of health care in so you are certain you’ve chosen the best option.
How Often Do You See The Doctor?
Most insurance plans require that you pay a set amount, known as a co-pay, each time you see the doctor. If you have a lot of regular doctor visits, such as when you are pregnant or in treatment for a particular condition, your copays can add up quickly. When comparing health insurance policies, determine the co-pay amount and estimate how many times you think you will see a doctor in the coming year. You can then calculate your co-pays for the year.
What Is The Policy Deductible?
Many policies carry a deductible, which is the amount you will be expected to pay out of pocket before the full terms of the policy kick in. A larger deductible can mean a lower monthly premium and vice versa. You will need to decide whether you would rather pay the extra amount on a monthly basis, or pay the deductible bills as they come, which could be in one large chunk in the case of a hospitalization. You should also bear in mind that each person on the policy will likely have to meet their own deductible amount.
Is There a Co-insurance Amount?
In order to bring premiums down, some plans use a co-insurance option, which is usually calculated as a percentage of the medical bills that you will be expected to pay out of pocket. For example, if you have an 80/20 coinsurance plan, your insurance company will pay 80% of the bill, and you will pay 20%. Again, try to estimate how much medical care you think you will need to get an idea of how much you might pay out of pocket.
The Out Of Pocket Limit
Just as it sounds, the out of pocket limit is the maximum amount you will be required to pay out of pocket for the year. If you have added up all of the co-pays, deductibles, and co-insurance amounts for the year, and it comes out above this amount, then you have a pretty concrete idea of what you will pay for health care that year—the premiums, plus the out of pocket limit amount.
For those who see the doctor rarely and are in good health, it is often a good financial choice to take a policy with a high deductible, large co-insurance percentage, and larger co-pay amounts. If you anticipate more health care needs, you might be better off with a higher monthly premium and lower out of pocket limit.
Why You Shouldn’t Wait To Get Life Insurance
You may not think you need life insurance now, but if you wait too long to take out a policy, it could hurt you in the long run. Waiting until you feel you really need a policy means you will be older and the odds of having health problems increases. This can mean higher life insurance premiums or worse, being completely denied for a policy. Starting a life insurance policy earlier in life is a smart decision all around.
Age And Health Issues
It’s a simple equation: as we age our odds of having health problems increase. You will also be paying the premium on the policy for a shorter time period while being more likely to pass away. Life Insurance companies take all of these factors into consideration when they determine your premiums. Every year that you wait to take out a life insurance policy assures your premiums will be higher. It also increases the risk that some health issue will develop that will cause the insurance company to see you as a higher risk. The higher the risk they see of having to pay out on the policy before they have received sufficient premium payments from you, the more they are going to charge you to protect their interests. So, the longer you wait to get a life insurance policy, the more you are going to pay for it.
You Could Be Denied
If you are young and healthy you will be approved for a policy relatively quickly. But as you age, health problems can crop up that might disqualify you for a life insurance policy altogether. Heart issues, high cholesterol, diabetes and more are all problems more likely to appear with age—and this could mean you won’t be able to obtain a policy. If you take out a life insurance policy before issues like this occur, the insurance company can’t take it away due to changes in your health status.
Taking out a life insurance policy before you really need to have one is a smart choice and an investment in your future. Once you have a policy in force your premiums won’t increase, and as long as you continue to pay them you will be covered for the duration of the policy—for your entire life if you have chosen a Universal or Whole life policy. Even if you don’t have a family to protect now, you will already be prepared for that eventuality and have an affordable policy to cover them thoroughly.