Bob Doruma Journal

Wednesday, May 13, 2009

Affordable High Risk Medical Insurance Online

The cost of medical insurance is enough to make anyone sick and because of that many people are now in the market for affordable high risk medical insurance online. While almost anyone can save money simply by purchasing their medical insurance online, a little extra effort spent in answering a few of the questions you'll be ask on the online price comparison websites could save you even more.

For example, setting up an automatic payment system for making your premium payments will save you money. If you are truly serious about finding affordable medical insurance then you can't smoke or use chew or any other tobacco products. If you currently smoke you will have to stop - or accept the fact that you will always pay more for your health insurance.

Unfortunately the same goes for being overweight. If you are overweight and you seriously want to save money on your insurance then you're going to have to try to shed at least a few pounds. The good news is that losing even a few pounds might move you down a rung on the insurance company's Body Mass Index - and if you're lucky enough for that to happen you could save quite a bit over the course of a year.

Group health insurance will save you money over individual insurance. If you can't get affordable group health at your place of work try asking at any clubs, associations or organizations that you belong to. You would be surprised at the number of groups and organizations which provide this to their members.

Do not participate in dangerous sports or take part in extreme games or other dangerous activities on a regular basis. Intentionally putting your health in jeopardy will result in your paying more for your health insurance. Driving a fast and flashy sports car or a head-turning muscle car can also increase the amount you pay for yours.

And did you know that your credit rating can affect how much you pay for your health insurance? It's true. Most insurance companies check your credit rating and the better your score the less you'll pay for your insurance.

If you don't see your doctor on a regular basis and are generally healthy you should definitely consider increasing your co-payment to 50%. Increasing your co-pay will reduce your monthly cost of insurance considerably.

Eating right, getting some exercise and just generally improving your health will also save you money on it as well as on your overall health care costs. Cut out all fried food, cut way back on the stops at fast food restaurants, eat more fresh fruits and vegetables and get as much exercise as possible.

Exercise, by the way, can be something as simple as walking around the block a few times a week or biking with your kids to school or biking around town to run errands. If you like company when you exercise why not join a mall-walking club? Increasing your deductible is a sure-fire way to lower your insurance cost as long as you don't go overboard and increase your deductible to the point that you can no longer afford it.

And that brings us to our final way of saving money on your health insurance - buying your policy online. If you truly want to save the most money possible don't stop after looking at the prices for competing policies provided by just one site. Instead, check out competing prices on at least 3 different websites.

Also, try to answer the questions on each of the websites in the same way each time. This will insure that you are comparing the same policy each time - and that is one of the keys to saving money.
But as soon as you've gotten the prices from at least 3 different sites your job is done - just pick the lowest price you've found and you can feel confident that you have found the most affordable high risk medical insurance online.

About the Author

My Recommended Sites:

High Risk Medical Insurance Online
Health Insurance Policy


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Tuesday, August 12, 2008

Easy-To-Do Tips On Building Residual Income

Have you ever dreamed of waking up every morning relaxed and not hurrying to go to the day's work while money is coming into your bank account? Can you believe this? Yes, you should. This is very possible in the world of interconnections and technologies. A new system of earning big bucks comes right into the comforts of your home!!!

Working today does not mean reporting to the office or company. It does not refer to reproducing piles of resume and going through sweat- taking interviews. Working does not mean doing office works or field works. Salary and checks are not just the modes of payment. More importantly, working time does not only refer to hourly or daily basis.

In fact, working may also be home-based, do-it-yourself style. You need not to be the employee but the employer instantly. What you just need are a big percentage of confidence and financial capital. And voila, you can now start your own business, build residual income, increase your gains and enjoy life.

But you may ask, what is the residual income that you're talking about? From the root words residue, which means excess and income which means earnings or profits, it refers to making profits from investing on your own assets, tangible or intangible in a long period of time, while exerting efforts and labor in a shorter period. Simply put, those are the gains which double or triple the amount of capital you had invested.

Sounds interesting, right? Imagine how easy and convenient making a living is for you if you are engaged in a business like this. You don't have to indulge yourself in an eight hour; five or six times a week work, together with all the reports or evaluations you have to undergo. You don't need to wait after weeks or months to get the salary needed to buy your everyday needs, or extra curricular weekend plans or vacation trips.

Instead, you are now sitting in front of your computer notebook, connecting to the internet and start the ball rolling. Its time to loose yourself into the new, exciting, fascinating job that gives more and bigger money at the least of time and the next question will be how?

The internet offers many, a lot and thousands of business ideas, or attractive programs to choose from. Online services such as affiliate and smart marketing, network marketing, email advertising, home-based business among others. However, because of information overload, you might find it difficult to decide for every kind of business will tell their best persuading words and catchy offers.

Remember, though ideally, internet business is a lot easier, this is still business in a strict sense which means that there are risks, so you need to play it safe. Here are some helpful tips to guide you in making a wiser choice.

1. Know thyself. What are your interests, psyche and personality? Get the work that is not just for work but also for play.

2. Identify the right customers. Engage in in-demand markets with in-demand customers. Be resourceful and trendy in looking, attracting and keeping your clients.

3. Love your affiliates. Take care of your down lines, for their success or failures will also, in some ways affect the whole cycle of business.

4. Be marketable. Make use of internet opportunities that offers free or one-click marketing services to spread the words about your business. Advertising is a must, successful advertising is a victory.

5. Shoot thy target. Be specific with the product you want to sell for a special product has particular set of followers.


About the Author

Daegan Smith Is And Expert Online Marketer

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