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Friday, February 6, 2009
Having to go to the dentist has to be one of the most dreaded things for most people. The simple truth is that if it were only for the physical pain, it would probably be ok. Unfortunately, it also carries a hefty bill, so that's even more of a deterrent. Fortunately, since dental insurance is a competitive industry, there are plenty of websites where you can get quotes on your desired coverage. Procrastinating on this is usually a very bad (and painful idea), as the more you wait, the more painful and expensive things get.
Before you turn to any other resource, check with your employer to see if dental insurance coverage is included in your health insurance or if it can be added if it isn't. If the answer is yes, then it's your best option. You'll be able to pay for it the same way you do your health insurance, so there are no worries in that department. Sometimes, though, if it's obvious you'll need to have a lot of work done, the policy may not cover you. If that happens, you'll have no choice but to get a separate dental plan so you can still be able to save some money on your dental bill.
Insurance companies have flocked to the Internet as of recent years. So much so that now you can compare any kind of insurance you want and get the quotes without getting out of your chair. This has only heightened the competition and the end result is that you can find your best balance between coverage and price at reasonable rates, all of this online. Just make sure you compare the different offers to make sure the one you choose matches both your budget and your needs. Here's the lowdown on what matters most.
Reasonable premiums. One of the simplest ways to avoid getting charged more than necessary is to take several offers from several companies and pit them one against the other. Of course, in order to ensure an apples-to-apples comparison, you'll want to pick similar plans for this exercise. If you look at them thoroughly, you will greatly increase your chances of selecting one where your dollar goes further, compared to the other ones.
Preventive dental care. Your analysis of a good dental plan should not overlook preventive dental care. It's the type of care that exists to decrease the likelihood that you'll have to do some major dental work in the future: x-rays, regular cleanings, free check-ups... You benefit from it because you'll enjoy better dental health, and your insurance company benefits because it decreases the overall cost of your coverage.
Company background. There are a number of things related to the company that are worth being checked out because they might turn out to be critical down the road. For example, has the company made headlines lately? Good or bad? Is there some way to assess the company's financial soundness? No one want to get insured from a company that goes under a few months later. Do they have a good reputation of satisfactory settling of claims? You don't want to have to jump through hoops when you submit yours.
Customer testimonials. Online message boards and Q&A websites can provide you with first-hand testimonials from both previous and current customers of the company. This can prove invaluable, as long as you remember to take everything with a pinch of salt and that not everybody is who they claim to be online.
Before you turn to any other resource, check with your employer to see if dental insurance coverage is included in your health insurance or if it can be added if it isn't. If the answer is yes, then it's your best option. You'll be able to pay for it the same way you do your health insurance, so there are no worries in that department. Sometimes, though, if it's obvious you'll need to have a lot of work done, the policy may not cover you. If that happens, you'll have no choice but to get a separate dental plan so you can still be able to save some money on your dental bill.
Insurance companies have flocked to the Internet as of recent years. So much so that now you can compare any kind of insurance you want and get the quotes without getting out of your chair. This has only heightened the competition and the end result is that you can find your best balance between coverage and price at reasonable rates, all of this online. Just make sure you compare the different offers to make sure the one you choose matches both your budget and your needs. Here's the lowdown on what matters most.
Reasonable premiums. One of the simplest ways to avoid getting charged more than necessary is to take several offers from several companies and pit them one against the other. Of course, in order to ensure an apples-to-apples comparison, you'll want to pick similar plans for this exercise. If you look at them thoroughly, you will greatly increase your chances of selecting one where your dollar goes further, compared to the other ones.
Preventive dental care. Your analysis of a good dental plan should not overlook preventive dental care. It's the type of care that exists to decrease the likelihood that you'll have to do some major dental work in the future: x-rays, regular cleanings, free check-ups... You benefit from it because you'll enjoy better dental health, and your insurance company benefits because it decreases the overall cost of your coverage.
Company background. There are a number of things related to the company that are worth being checked out because they might turn out to be critical down the road. For example, has the company made headlines lately? Good or bad? Is there some way to assess the company's financial soundness? No one want to get insured from a company that goes under a few months later. Do they have a good reputation of satisfactory settling of claims? You don't want to have to jump through hoops when you submit yours.
Customer testimonials. Online message boards and Q&A websites can provide you with first-hand testimonials from both previous and current customers of the company. This can prove invaluable, as long as you remember to take everything with a pinch of salt and that not everybody is who they claim to be online.
About the Author:
Are you looking for city-specific dental insurance, like for example dental insurance in Atlanta? Visit AAA Dental Insurance for answers to all your dental insurance questions.
posted by Credit Counseling at
11:10 PM
0 Comments
When looking for a financial advisor, it can be very complicated to find a trusted personality who will provide sincere analysis and guidance to your decision-making in your investment choices. Look for these sets of criteria when searching for your financial advisors.
Start by scrutinizing their education and experience on finance management. Are they recommended by friends or trusted peers? Do they have familiar clients who have entrusted them with their transactions?
Veteran financial advisors have both the education and experience. Education provides them with the necessary knowledge in our complex global financial system. Since their main function is to gather financial information, analyze it, and make recommendations, they should be well an expert in the field already.
Moreover, their experience is a very good indication of their confidence to guide you through great deals. With their experience, you will definitely notice that these persons spend a lot of time working with people. Thus, they really developed their communication skills.
Another consideration you should always iron out is to resolve how these advisors are paid. Expect financial advisor to be paid in three different ways. When taking his time and using his expertise, you can expect to pay him with an hourly rate, a monthly retainer, or commission-based. Be very keen with your agreement in payments so as to avoid ending up regretting your choice.
As a tip, prefer the hourly rate or monthly retainer rather than paying your advisor on a commission basis. Usually, when paid with commission on trades, they may recommend changes, which can be unnecessary or even harmful, in your portfolio. This is because they have the motive of increasing their commission payments. This is what we need to avoid getting a biased and probably bad investment deals.
Your main purpose in getting a financial advisor is for an expert to guide you in intelligent decision-making. As their role is to assist you in the planning and arrangement of financial affairs, such as your retirement provisions, you need to have a loyal one behind your back. By ensuring the financial advisor's track record with his career, you will found out that he will certainly understand your financial situation in the first place.
Finance can be very intimidating and a good financial advisor will be responsible to make sure that a client's risk is minimized. By taking the time to look for the best financial advisor, you prevent yourself from a future of stress and frustrations.
For more information on financial directory, get FREE Articles Tips at DollarGuides.com. Get debt-free today with tips on how to get rid of debt here.
Start by scrutinizing their education and experience on finance management. Are they recommended by friends or trusted peers? Do they have familiar clients who have entrusted them with their transactions?
Veteran financial advisors have both the education and experience. Education provides them with the necessary knowledge in our complex global financial system. Since their main function is to gather financial information, analyze it, and make recommendations, they should be well an expert in the field already.
Moreover, their experience is a very good indication of their confidence to guide you through great deals. With their experience, you will definitely notice that these persons spend a lot of time working with people. Thus, they really developed their communication skills.
Another consideration you should always iron out is to resolve how these advisors are paid. Expect financial advisor to be paid in three different ways. When taking his time and using his expertise, you can expect to pay him with an hourly rate, a monthly retainer, or commission-based. Be very keen with your agreement in payments so as to avoid ending up regretting your choice.
As a tip, prefer the hourly rate or monthly retainer rather than paying your advisor on a commission basis. Usually, when paid with commission on trades, they may recommend changes, which can be unnecessary or even harmful, in your portfolio. This is because they have the motive of increasing their commission payments. This is what we need to avoid getting a biased and probably bad investment deals.
Your main purpose in getting a financial advisor is for an expert to guide you in intelligent decision-making. As their role is to assist you in the planning and arrangement of financial affairs, such as your retirement provisions, you need to have a loyal one behind your back. By ensuring the financial advisor's track record with his career, you will found out that he will certainly understand your financial situation in the first place.
Finance can be very intimidating and a good financial advisor will be responsible to make sure that a client's risk is minimized. By taking the time to look for the best financial advisor, you prevent yourself from a future of stress and frustrations.
For more information on financial directory, get FREE Articles Tips at DollarGuides.com. Get debt-free today with tips on how to get rid of debt here.
About the Author:
How to get Rid of Credit Card Debt Fast with FREE Articles Tips at DollarGuides.com. Help tips and more plus Credit Card Debt Information
posted by Credit Counseling at
5:16 PM
0 Comments
Getting rid of overdraft and bounced check fees is a really important step if you happen to be one of the people who is at odds with this problem. Not only is this a very expensive problem, it should be regarded as a red flag for the very serious threat to your financial future because it denotes a poor grasp of basic money management.
What's an overdraft? When your bank has to pay for a transaction that you make for more than your available account balance, the resulting negative balance is an overdraft. Whether you write a check, withdraw money from an ATM, use your debit card to make a purchase or make an online bill payment, if it's for more money than you have, it's an overdraft.
When the transaction shows up, your bank has the choice of either paying for it or not. If it elects to honor the transaction regardless of the fact that you don't have enough money to pay for it, it will charge you an overdraft fee. If, on the other hand, it decides that the check will not be paid and returns it for non-sufficient funds, it will then hit you with a bounced check fee.
Getting rid of those fees means simply that you have to keep a tight grip on your account balance to avoid negative balances. The best way to achieve this is to keep track of how much money you have by keeping your account register up-to-date. Write down all your transactions as soon as they happen. And don't forget to subtract any bank fees that you incur.
Be on the lookout when it comes to transactions where you don't have to write a check or pay with cash: ATM withdrawals and fees, debit card purchases, and online payments just to name a few. Online bill payments on a monthly basis for utilities, insurance, or loan payments should also be thrown into the mix. Always be on top of your account balance and in case it shows a higher amount than what it's supposed to, be careful and look for transactions that haven't cleared yet.
Review your account statements each and every month. Between statements, finding out which payments have cleared is as simple as calling your bank to get your current balance, checking it online, or getting it from an ATM (assuming that you won't get charged just for checking).
If, unfortunately, you find yourself having overdrawn your account, you best bet would be to deposit some money back into it as soon as you have cash available. Remember that you will also have to account for your bank's overdraft fees. Some banks will take the opportunity to sell you on alternative ways to to cover overdrafts.
Most likely you will get to choose one of those options. You can either link a savings account of yours (at the bank) to your checking account, or apply for an overdraft limit of credit with the bank. In the first case, every time there is a transaction that would result in your checking account being overdrawn, funds are automatically transferred from your savings account to prevent that. In the case of the line of credit (which you will have to apply for and will be treated as a loan application when it comes to eligibility), your account will be allowed to operate with a negative balance, up to your credit limit. That balance will generate interest, and the credit line itself may be subject to an annual maintenance fee.
What's an overdraft? When your bank has to pay for a transaction that you make for more than your available account balance, the resulting negative balance is an overdraft. Whether you write a check, withdraw money from an ATM, use your debit card to make a purchase or make an online bill payment, if it's for more money than you have, it's an overdraft.
When the transaction shows up, your bank has the choice of either paying for it or not. If it elects to honor the transaction regardless of the fact that you don't have enough money to pay for it, it will charge you an overdraft fee. If, on the other hand, it decides that the check will not be paid and returns it for non-sufficient funds, it will then hit you with a bounced check fee.
Getting rid of those fees means simply that you have to keep a tight grip on your account balance to avoid negative balances. The best way to achieve this is to keep track of how much money you have by keeping your account register up-to-date. Write down all your transactions as soon as they happen. And don't forget to subtract any bank fees that you incur.
Be on the lookout when it comes to transactions where you don't have to write a check or pay with cash: ATM withdrawals and fees, debit card purchases, and online payments just to name a few. Online bill payments on a monthly basis for utilities, insurance, or loan payments should also be thrown into the mix. Always be on top of your account balance and in case it shows a higher amount than what it's supposed to, be careful and look for transactions that haven't cleared yet.
Review your account statements each and every month. Between statements, finding out which payments have cleared is as simple as calling your bank to get your current balance, checking it online, or getting it from an ATM (assuming that you won't get charged just for checking).
If, unfortunately, you find yourself having overdrawn your account, you best bet would be to deposit some money back into it as soon as you have cash available. Remember that you will also have to account for your bank's overdraft fees. Some banks will take the opportunity to sell you on alternative ways to to cover overdrafts.
Most likely you will get to choose one of those options. You can either link a savings account of yours (at the bank) to your checking account, or apply for an overdraft limit of credit with the bank. In the first case, every time there is a transaction that would result in your checking account being overdrawn, funds are automatically transferred from your savings account to prevent that. In the case of the line of credit (which you will have to apply for and will be treated as a loan application when it comes to eligibility), your account will be allowed to operate with a negative balance, up to your credit limit. That balance will generate interest, and the credit line itself may be subject to an annual maintenance fee.
About the Author:
Overdraft fees got you in ChexSystems? Read my report on banks that do not use chex systems on Money Galaxy, a personal finance blog I contribute to.
posted by Credit Counseling at
1:41 PM
0 Comments
