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A contract in which one party agrees to compensate another party for any losses or damages caused by risks identified in the contract in exchange for the payment of a lump sum or periodic amounts of money to the first party.
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Why You Should Buy Insurance
According to the website for Cover the Insured website, one of the highest age groups that are uninsured is made up of men and women in the 21- to 44-year-old bracket. According to the Chicago Tribune, 70 million Americans are underinsured. Sixty-one point nine percent (61.9%) of full-time workers are uninsured. According to the Employee Benefit Research Institute, health care costs have increased steadily since the 1960's at a rate of a 10% increase per year.
A study by Harvard University researchers found that 50% of all bankruptcy filings were partially the result of medical expenses. Many people go into debt and have bad credit due to unpaid medical bills. If an unexpected event occurs that causes you to lose your job or become ill you could end up homeless. You should have some type of no matter what your salary. Here are 3 benefits to having insurance:
1. can be used to reimburse for a loss that occurs
2. protects against harm to something or someone
3. saves you money in the future
There are several types of available: life, health, dental, home, auto, fire, flood, credit card insurance, disability (short term and long term), and many more. The basic types of everyone should have are: health, life and disability. All three actually work together. Health is needed if you develop a health condition or need to go to the emergency room. Disability is used if you have a short-term or long-term medical condition that prevents you from working and ensures that you still continue to receive a paycheck, usually at least 60% of your salary. Life is used in the event a family member dies.
When buying it is best to comparison shop. You can contact the Better Business Bureau or search their website for companies and view their reliability report. If your employer does not provide health, life or disability you can purchase on your own. Go to eHealthInsurance to get quotes
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Educus.com Launches ICD-9 app for Apple iPhone and Android Devices
Educus.com is excited to announce the launch of Educus ICD-9 Complete Reference (http://www.educus.com) – a fast and efficient application for looking up ICD-9 codes designed specifically for the Apple iPhone, iPod touch, and Android-powered phones. The application provides a searchable database of over 17,000 distinct ICD-9 codes. For added convenience, the user can either search through all of the codes or the most commonly used ones. Users can also maintain a list of favorites by adding or removing frequently used codes from the list. They can also search through the favorites list for even faster access. The best part of the application is that it is available for free on iTunes and the Android market. There is no need to purchase expensive subscriptions or applications anymore. Just download it on any of the compatible devices and you are ready to go! (PRWeb Dec 9, 2009)
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Function specific DOT Hazmat Training for Dealerships
KPA released a new online industry and function specific Department of Transportation (DOT) Hazardous Materials training (hazmat training) course as part of its Environmental, Health, and Safety (EHS) program for dealerships. (PRWeb Dec 9, 2009)
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Introducing ReZilient Direct, Offering Supplemental Cancer, Heart & Stroke and Accident Insurance
ReZilient Direct has partnered with Assurant Health to provide quality supplemental insurance products that give customers both security and peace of mind. ReZilient Direct offers Assurant Health’s Cancer, Heart & Stroke, and Accident insurance underwritten by Time Insurance Company at an affordable price to those who have major medical insurance, as well as to those who do not have any coverage at all. (PRWeb Dec 9, 2009)
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BLR Products Named Finalists for Multiple CODiE Awards
HR.BLR.com® and Enviro.BLR.com® each receive recognition as finalists in the Software & Information Industry Association’s annual competition (PRWeb Dec 9, 2009)
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SupplyLogic and Stonehill College Launch Print Management Portal as Part of Three Year Deal
SupplyLogic, a leading provider of print management services and marketing solutions, today launched a comprehensive online portal solution for Stonehill College. The Stonehill College Print Management Portal will allow the entire Stonehill faculty and administrative community to order a variety of printed items, including brochures, letterhead, envelopes, and business cards. (PRWeb Dec 9, 2009)
If you need health for your children visit the Insure Kids Now site. For information on disability insurance, visit Assurity company's website. If you cannot afford to purchase insurance, make sure you get enough rest, eat well and exercise. Try to get a part-time job to pay for costs.
If you are able to purchase additional types of such as home owner's insurance, auto or fire insurance, it is best to purchase bundled packages or several policies with the same company, such as insuring multiple cars with the same company.
Many companies give you a discount if you purchase multiple products, but you have to ask for it. Purchasing bundled packages or multi-line policies can result in a savings of 1% to 20% depending on the company, versus buying home owner's with one company and auto with another company. You can comparison shop online with companies such Bankrate or Progressive. You may not see the immediate benefit of buying now, but in the long run you will be glad you did.
Harrine Freeman is the CEO of H.E. Freeman Enterprises, a credit repair and personal finance services company and author of "How to Get Out of Debt: Get an "A" Credit Rating for Free." Visit H.E. Freeman Enterprises
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Disclose commission from insurers, mutual funds: RBI to RRBs RBI directed regional rural banks to disclose the commission they receive from mutual funds and insurers for referring their products to customers.
http://economictimes.indiatimes.com/Disclose-commission-from-insurers-mutual-funds-RBI-to-RRBs/articleshow/5319610.cmshttp://economictimes.indiatimes.com/Disclose-commission-from-insurers-mutual-funds-RBI-to-RRBs/articleshow/5319610.cmsWed, 09 Dec 2009 14:10:02 GMTDisclose commission from insurers, mutual funds: RBI to RRBsDisclose commission from insurers, mutual funds: RBI to RRBsAllahabad Bank's general managers relocated to other PSBs For the first time in this 144-year old bank?s history, two of its own general managers have been relocated as executive directors of other public sector banks.http://economictimes.indiatimes.com/Allahabad-Banks-general-managers-relocated-to-other-PSBs/articleshow/5318981.cmshttp://economictimes.indiatimes.com/Allahabad-Banks-general-managers-relocated-to-other-PSBs/articleshow/5318981.cmsWed, 09 Dec 2009 10:57:08 GMTAllahabad Bank's general managers relocated to other PSBsAllahabad Bank's general managers relocated to other PSBsPSU banks ink bond to check attrition A host of PSBs, including Bank of Baroda, Canara Bank, Punjab National Bank and Union Bank of India, have recently introduced a practice of signing service bonds with their new recruits joining at the officer level. http://economictimes.indiatimes.com/PSU-banks-ink-bond-to-check-attrition/articleshow/5313035.cmshttp://economictimes.indiatimes.com/PSU-banks-ink-bond-to-check-attrition/articleshow/5313035.cmsTue, 08 Dec 2009 03:58:16 GMTPSU banks ink bond to check attritionPSU banks ink bond to check attritionHinduja Bank takes controlling stake in Chennai based Paterson securities Hinduja Bank (Switzerland), part of Hindujas group on Monday said it has acquired a majority stake in the Chennai-based stock broking firm, Paterson Securities.
http://economictimes.indiatimes.com/Hinduja-Bank-takes-controlling-stake-in-Chennai-based-Paterson-securities/articleshow/5311712.cmshttp://economictimes.indiatimes.com/Hinduja-Bank-takes-controlling-stake-in-Chennai-based-Paterson-securities/articleshow/5311712.cmsMon, 07 Dec 2009 14:17:38 GMTHinduja Bank takes controlling stake in Chennai based Paterson securitiesHinduja Bank takes controlling stake in Chennai based Paterson securitiesGovt to support public sector banks to merge if they want Government will support public sector banks to merge if they wanted, provided they fulfilled RBI and SEBI guidelines, finance minister Pranab Mukherjee said on Monday.http://economictimes.indiatimes.com/Govt-to-support-public-sector-banks-to-merge-if-they-want/articleshow/5310622.cmshttp://economictimes.indiatimes.com/Govt-to-support-public-sector-banks-to-merge-if-they-want/articleshow/5310622.cmsMon, 07 Dec 2009 08:54:44 GMTGovt to support public sector banks to merge if they wantGovt to support public sector banks to merge if they wantPerformance-linked pay for PSBs from next year <p>Salary packages of employees of public sector banks could have a performance-linked variable component from the next year. <a href="/quickiearticleshow/5307235.cms" target="_blank"><b>Tax deduction on employees' HRA</b></a></p>
http://economictimes.indiatimes.com/Performance-linked-pay-for-PSBs-from-next-year/articleshow/5308991.cmshttp://economictimes.indiatimes.com/Performance-linked-pay-for-PSBs-from-next-year/articleshow/5308991.cmsMon, 07 Dec 2009 06:40:00 GMTPerformance-linked pay for PSBs from next yearPerformance-linked pay for PSBs from next yearICICI set to turn local bank in Singapore too After SBI, ICICI set to get a qualified full bank licence in Singapore, a status that will allow it to open 15 branches and ATM centres.http://economictimes.indiatimes.com/ICICI-set-to-turn-local-bank-in-Singapore-too/articleshow/5309050.cmshttp://economictimes.indiatimes.com/ICICI-set-to-turn-local-bank-in-Singapore-too/articleshow/5309050.cmsSun, 06 Dec 2009 20:46:11 GMTICICI set to turn local bank in Singapore tooICICI set to turn local bank in Singapore tooSBI gets govt nod for acquiring State Bank of Indore The Indian government has given approval to State Bank of India to initiate the process.http://economictimes.indiatimes.com/SBI-gets-govt-nod-for-acquiring-State-Bank-of-Indore/articleshow/5300583.cmshttp://economictimes.indiatimes.com/SBI-gets-govt-nod-for-acquiring-State-Bank-of-Indore/articleshow/5300583.cmsFri, 04 Dec 2009 12:21:11 GMTSBI gets govt nod for acquiring State Bank of IndoreSBI gets govt nod for acquiring State Bank of IndoreDubai crisis won?t hit Indian banks: RBI The Reserve Bank of India on Thursday said the domestic banks do not have much exposure to the debt-ridden Dubai World and hence their balance sheet will not be materially affected by the crisis, reports Our Bureau.
http://economictimes.indiatimes.com/Dubai-crisis-wont-hit-Indian-banks-RBI/articleshow/5298020.cmshttp://economictimes.indiatimes.com/Dubai-crisis-wont-hit-Indian-banks-RBI/articleshow/5298020.cmsThu, 03 Dec 2009 19:25:22 GMTDubai crisis won?t hit Indian banks: RBIDubai crisis won?t hit Indian banks: RBIKotak Mahindra Bank looks for acquisitions in India Indian private sector lender Kotak Mahindra Bank is looking at acquisitions in the coming months in India.http://economictimes.indiatimes.com/Kotak-Mahindra-Bank-looks-for-acquisitions-in-India/articleshow/5297034.cmshttp://economictimes.indiatimes.com/Kotak-Mahindra-Bank-looks-for-acquisitions-in-India/articleshow/5297034.cmsThu, 03 Dec 2009 14:38:12 GMTKotak Mahindra Bank looks for acquisitions in IndiaKotak Mahindra Bank looks for acquisitions in IndiaTop bankers zero in on South, West India for expansion The country?s top bankers still continue to bet on places like Andhra Pradesh, Gujarat, Karnataka, Maharashtra, Tamil Nadu (TN) or Uttar Pradesh (UP) when they look at expansion of operations.
http://economictimes.indiatimes.com/Top-bankers-zero-in-on-South-West-India-for-expansion/articleshow/5293550.cmshttp://economictimes.indiatimes.com/Top-bankers-zero-in-on-South-West-India-for-expansion/articleshow/5293550.cmsWed, 02 Dec 2009 17:32:52 GMTTop bankers zero in on South, West India for expansionTop bankers zero in on South, West India for expansionPNB cuts interest rates on most NRI deposits State-owned lender PNB has slashed interest rates on most NRI deposits of foreign curency denominations.
http://economictimes.indiatimes.com/PNB-cuts-interest-rates-on-most-NRI-deposits/articleshow/5293414.cmshttp://economictimes.indiatimes.com/PNB-cuts-interest-rates-on-most-NRI-deposits/articleshow/5293414.cmsWed, 02 Dec 2009 16:43:19 GMTPNB cuts interest rates on most NRI depositsPNB cuts interest rates on most NRI depositsAssam, banks tie up for NREGA scheme The Assam government has tied up with banks for issuance of biometric cards to beneficiaries under the National Rural Employment Guarantee Act (NREGA).
http://economictimes.indiatimes.com/Assam-banks-tie-up-for-NREGA-scheme/articleshow/5289318.cmshttp://economictimes.indiatimes.com/Assam-banks-tie-up-for-NREGA-scheme/articleshow/5289318.cmsTue, 01 Dec 2009 17:06:00 GMTAssam, banks tie up for NREGA schemeAssam, banks tie up for NREGA schemeUnion Bank revises rates on foreign currency deposits Union Bank of India has revised its interest rates on foreign currency deposits with immediate effect.
http://economictimes.indiatimes.com/Union-Bank-revises-rates-on-foreign-currency-deposits/articleshow/5288725.cmshttp://economictimes.indiatimes.com/Union-Bank-revises-rates-on-foreign-currency-deposits/articleshow/5288725.cmsTue, 01 Dec 2009 13:44:55 GMTUnion Bank revises rates on foreign currency depositsUnion Bank revises rates on foreign currency depositsNow, open a bank account in a grocery shop On Monday, RBI permitted banks to appoint these entities to act as their agents and carry out several of the bank's operations. All these though, will come for a fee, pre-decided by your bank.
http://economictimes.indiatimes.com/Now-open-a-bank-account-in-a-grocery-shop/articleshow/5286913.cmshttp://economictimes.indiatimes.com/Now-open-a-bank-account-in-a-grocery-shop/articleshow/5286913.cmsTue, 01 Dec 2009 03:59:30 GMTNow, open a bank account in a grocery shopNow, open a bank account in a grocery shop
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