What Most Health Insurance Companies Claim

Health insurance premiums are filed with, and regulated by your State’s Department of Insurance. Whether you buy from a local health insurance agency, or directly from the health insurance company, you'll pay the same monthly premium for the same plan.

This means that you get the advantages and convenience of purchasing your health insurance plan through pretty well any health insurance company and know that you're getting the best available deal.

By combining the knowledge of a neighborhood agent with the broad experience and comprehensive understanding of a leading online health insurance source, most health insurance companies are able to offer their customers the following benefits.

Best Prices. Health insurance rates are filed with and regulated by your state's Department of Insurance. Whether you buy from your local agent, or directly from the health insurance company, you'll pay the same monthly premium for the same plan.

Large Selection. Because most health insurance agencies offer plans from multiple insurance companies in your area, they can offer a broad selection of health insurance companies and plans, which allows you find the plan that best fits your needs. In fact, most health insurance companies can provide a quality online source of health insurance for individuals, families and small businesses.

Excellent Customer Care. The licensed health insurance agents and experienced representatives that staff most customer care centers will help you make the most of your money with professional, unbiased advice.

Fast Processing. Most health insurance companies offer the fastest way to apply for health insurance because many of the plans offered on their web sites can be submitted and signed electronically, eliminating the need to manually print and mail applications. This reduces average processing time significantly.

Pro Travel Network Advantages

Here is a quick post on the advantages of working with the Pro Travel Network.

1^st advantage of being a Pro Travel Network member: You get to set your own hours and work out of your home. No boss, no alarm clocks, no hassles.

2^nd advantage of being a Pro Travel Network member: You get to travel like the pros with all the perks and discount travel fares. You get to take fam trips because you are a Pro Travel Network Agent.

3^rd advantage of being a Pro Travel Network member: You are self-employed so you get to write-off any travel expenses you have, a portion of your bills, your mortgage or rent, or almost anything under the sun 

4^th advantage of being a Pro Travel Network member: You have no cap, or limit, to how much money you can make. You can make ALLOT of money with PTN, and the sky really is the limit.  

5^th advantage of being a Pro Travel Network member: Your Pro Travel Network is EASY to grow quickly as the benefits are easy for people to see. Creating a team is not a problem becuase it’s still a new revelolution in the travel industry.

See the Pro Travel Network Blog (PTN FREEDOM) for more information. 

MyFSA Web Site for Student Loans

Found this post regarding the MyFSA, and thought would be a good addition to the Just Money Honey quest of good financial information for good Americans. ;-)    

If you require some good information on the student loan business, and how you can better yourself, we highly recommend checking out the MyFSA web site. You will find EXCELLENT content, and great advice before you decided to venture in the direction of procuring a student loan. Below is some excerpts and links from the MyFSA web site.  

There is information there if you are looking for a basic good credit student loan, as well as, great information on getting fast bad credit student loans. 

What is MyFSA?

MyFSA is your personal portfolio. When you create your account, we will provide you with a MyFSA account in which to store all your information.

How do I access MyFSA?

You can access your individual MyFSA account at anytime by simply logging on with your user-name and password. You will only have access to MyFSA if you create an account. The reason for this is the information you enter is highly confidential and must be password-protected. Once you create your account you will automatically have your own MyFSA account and anytime you return to this site you will be able to access it with your user name and password.

How do I use MyFSA?

To access MyFSA, you must first login to the site. Once you login, the different MyFSA sections will be visible to you in the left column of the screen. Any information you save in the site will be displayed in MyFSA. To go directly to a particular section of MyFSA, you may click on the corresponding link for that section.

What is in MyFSA?

 

Applications

Once you begin an application, MyFSA will track where you stopped entering your information and will link you to all applications in progress. It will also provide the date and confirmation number of your submitted applications.

 

Colleges

Any colleges you add to MyFSA will be stored in and accessed through this area. These colleges will automatically be used in worksheets and tables calling for colleges. You may add or delete colleges from this list at anytime.

 

Profile

The information you enter about yourself will be stored in your Profile. Make sure to keep your information as accurate and up-to-date as possible. The Profile will be used to fill in your applications automatically and search for potential scholarships that match your profile.

 

Financial Aid

You may store and access any scholarships, loans, and cost of attendance information saved in the Financial Aid Wizard. This section of MyFSA uses the schools from the Colleges section above to calculate approximate costs.

 

Event Calendar

You may access your personal or college events on a daily, weekly, or monthly basis.

 

Careers

Once you have completed the Self Assessment and Career Finder, any careers or majors that have met your specifications can be stored and accessed here.

 

Planner Output

Once you have completed the Student Planner, your results can be stored and accessed here.

Who has access to MyFSA? Is it private?

The only way to access MyFSA is with your individual user-name and secret password. We will only provide your information to third parties if you indicate that you would like us to do so. We recommend you read our privacy statement.

Getting Car Loans After Bankruptcy

Read up Your Credit Report

Before you start applying for a car loan, treasurer's check out your credit report and make sure all your accounts are in order. It is not especially after a bankruptcy to see open pay that should be closed, which hurt your credit rating.

While pregnant at your credit report, consider adding a page explaining the situation that convinced in your bankruptcy. If there were reducing circumstances, managers may approve you for a greater rate pharisaical under dull conditions.

Explain Your Situation

Car loan applications will ask if you have ever declared bankruptcy and why. This is your chance to explain what led up to the situation and what steps you have taken to resolve your credit situation. Be sure to incriminate improvements in your financial history too.

Plan Your Car Purchase

Before purchasing a vehicle, fix what you can afford in a pump car loan payment. This will help you decide which financing package is best for you. In a walk the loan amount and length of payments will determine your quarterly payments, so there is flexibility in determining which ministry you can afford to control.

Consider Refinancing

Once you are approved for a car loan, keep your eye on future refinancing. By making singular payments on all your bills, in a year’s time you could qualify for significantly lower interest rates. In par-three golf years, you can uncover your credit version to near excellent and qualify for even lower rates.

Use A Car Loan Lender

Car loan managers make their money by finding you a loan. Car loan capitalists work with several bankroll* partners to back loans with all kinds of credit risk, including bankruptcies.

Online publishing car loan lenders perform with mountain* of loans, and can usually complain you a better deliver than your discriminative car dealerships. Online publishing car loan lenders will send you a check when you are approved, basically making you a pre-approved car loan buyer.

Citi-Bank Student Loans Web Site

This bit is regarding Citi-Bank’s student loans, and their online presence to some degree. They do Parent Federal PLUS loans, Federal Stafford loans, and Graduate Federal student loans.

Citibank has a quality web site for students to help them prepare for college and figure out what they need in terms of a student loan for their books, rent, tuition, and living expenses.

Citibank student loans provide much more than just the loan. Although this is an important part, after all you need the money to help with your education; they also provide a great deal of information about planning for college, paying for your college education, how to go about applying for a student loan, what you need to do about repaying loans and information about managing your account with the bank.

Since Citibank provides so much information about student loans we will focus more on the front end portion of student loans and that is what do you need to do to get ready for college and paying for college.

Citibank will walk you through the following topics to ensure that you are ready for a loan and ready for college. After all if you are successful, then you are probably going to pay your loan back to them on time. They cover such subjects as "what colleges look for", "how to chose a school?", Saving for School"," College Planning checklists" and much more.

Part of getting ready for college is doing a budget so that you know what college will cost and how much you need to borrow on your student loan. They cover loan products, special offers and just plain information about financial terms as well as financial aid options that you may consider. Check out Citibank's web site for other information about student loans.

5 Home Improvement Loan Points

This article is from Jessica Peterson, and lays out 5 good points regarding home improvement loans. Found this over at Loanspoke.

Home Improvement Loans Fixed

Do remember that on most home improvement loans the fact that the loan has to be used for making home improvements is one of the contract’s clauses. Therefore, you may be required to show proof of the improvements you are going to make like constructor’s plans, designer’s plans, etc.

Any other use can result in the cancelation of the loan program and the payments becoming immediately due. Therefore, be careful and read the contract thoroughly.

Home Improvement Loans & Equity

Home improvement loan don’t necessary require equity but unsecured home improvement loans are too expensive when compared to home improvement loans based on equity. Therefore it is always advisable to obtain a home equity loan for home improvements. These loans use the available equity on your home to secure the money borrowed and since the money is used to improve the property that will be used as collateral, qualifying for these loans is a lot easier.

125% Home Improvement Loans

These loans let you use 125% of the value of the property as guarantee of repayment. Thus, even if you don’t have enough equity on your home, you can still obtain these loans. The idea is simple: the money will be used to improve the property which will in turn raise its value making more equity available and with few monthly payments, the accumulated debt (mortgage plus home equity loan) will equal 100% of the value of the property and so, both lenders will be fully protected.

Requirements For Approval On Home Improvement Loans

Home improvement loans, especially those based on equity are very easy to qualify for. The risk involved in the transaction is very little. The chances of default are greatly reduced and in the event of default, repossession assures the lender that he will recover the investment. Therefore, a moderate credit score and history will be enough; there is no need for your credit to be good or perfect.

Only serious delinquencies like bankruptcies or defaults can ruin your chances. Other than that, your income needs to let you afford the payments with ease. There are no further requirements because as the loan is used for improvements, it raises the value of the property which is the asset guaranteeing repayment.

Home Improvement Loans Nature

What makes a loan a home improvement loan is the use that the money receives. This use can be a condition for the loan approval and thus there are penalties that can be applied if you don’t comply with that requirement. However, those home improvement loans that are unsecured are actually personal loans and the use you give to the money is really up to you. They are just promoted as home improvement loans to attract customers but those loans are nothing but personal unsecured loans.

Jessica Peterson writes finance articles for Yourloanservices.com where she shares her knowledge about how to get money for a starting-up business, consolidating any kind of debt, repairing a home even with a bad credit history and more.