Categories
Credit Tips

Affordable Credit Repair Services Overview: How to Tell If a Company Is Reliable and Worth Investing

There are companies that help people with bad credit by using a variety of strategies, such as getting negative items removed via negotiation, identifying errors and having them fixed, etc. Since the industry is wrought with scams, it’s important that people are careful with their choice of a company. Not all affordable credit repair services are legitimate.

It’s possible to identify the trustworthy companies by knowing what kinds of red flags to look for and to avoid any company that has those red flags. A few of these red flags include:

• Trying to charge money upfront. This is actually banned by the Credit Repair Organization Act.

• Promises of a “quick and easy fix”. This is simply not possible – especially if they haven’t taken the time to first look at the client’s credit reports.

• Making any types of guarantees or specific claims, such as “Raise your score 200 points!”

• Having a lot of negative reviews and complaints filed against them.

• Not being open about what types of strategies they are going to use.

• Suggesting that the client actually create another identity. This is obviously against the law.

The ideal credit repair organization will always be upfront about what they will be able to do and what they won’t be able to do. They should have a team of lawyers working for them and use only legal means to get negative items removed.

Find Affordable Credit Repair Services

What about affordability? Only AFTER giving a free consultation should a credit repair company bring up payment. Some affordable credit repair services offer different levels of service at different prices. The lowest priced option will at the very least offer Bureau Challenge services and Credit Interventions. Even though they cannot make any specific guarantees regarding credit scores, they can provide a personalized score improvement analysis each month, which includes targeted information that could potentially help raise the score.

Communication is another important factor, in addition to price and payment plans. It’s very helpful if each client has a legal expert such as a paralegal assigned to their case, with whom they can communicate at any time, via email, phone, or chat. There should be coaching and guidance, as well as tools to help clients keep track of their case and monitor the results 24/7.

There are many credit report repair companies and only a few of them are legitimate and affordable. One company to really consider is Lexington Law, where free consultations are available. There are a few different payment plans to choose from, all of which include affordable credit repair services.

Categories
Credit Tips

Affordable Credit Repair Companies Guide: Why Consider Professional Repair Services?

When it comes to fixing your credit report, you have two options: the DIY approach and requesting assistance from the pros, who will perform the service for you and take care of all of the hard work. However, since there are obviously scams out there, you should be really careful about who you choose. You don’t have to spend a fortune, as there are some affordable credit repair companies. You just need to watch out for red flags. For instance, never trust a company that tries to charge you a fee upfront. Only consider organizations that offer free consultations.

Before contacting any credit repair company, you should first request copies of your credit reports and go over them yourself. If there are just a few minor issues, then the DIY approach might be ideal after all. You just need to check online for sample letters to send to the credit bureau(s) and the lenders. Some patience will be required as well, since it will take some time for them to make a decision and give you a response.

If you’re not entirely sure how credit reporting works, or feel confused by some of the negative items, then it will probably be better to let the professionals do it. As long as you choose a legit service, they will be able to get a response more quickly than you would if you were doing it on your own.

Some affordable credit repair companies offer multiple levels of service depending on how bad your credit scores are and how many items need to be removed. Some negotiation might be required as well, should the creditors dispute.

What Affordable Credit Repair Companies May Dispute

What kind of information can be disputed? Anything that is obviously erroneous such as your name misspelled or typos. If you’ve been a victim of fraud, then anything that the identity theft has done using your name and SS # could potentially be disputed, although you might need legal assistance to do so. There are also factual mistakes, unsubstantiated accounts, and outdated information that can be disputed.

If you are worried that some of the items might be difficult to be removed, then the best thing to do is go through a credit repair company that has a network of lawyers and paralegals. This company should provide you with a paralegal who will help you with your case personally.

Of all of the affordable credit repair companies, the one that is trusted by most people is Lexington Law. It offers services in most states and does assign each client with a paralegal. There are three levels of service to choose from. Check for Lexington Law discounts today to find out if there are any current deals or savings available. A personalized consultation is always for free.

Categories
Taxes

Capitalism, Socialism, and the Affordable Housing Market

One of the cornerstones of capitalist economic theory, as taught and practiced in the business, governmental, and academic sectors of the United States of America, is called the "efficient market hypothesis".

That hypothesis claims that a free market is an "efficient" market, meaning that it perfectly provides for the needs of consumers in a nation, at prices they can afford.

I disagree.

"Efficient market hypothesis" claims that markets are rational, meaning that they will make automatic adjustments in prices, to match supplies of (and demand for) particular commodities (whether they be food, clothing, housing, or gasoline).

However, one of the problems with the efficient market hypothesis, is that markets are not rational, because markets are made by human beings, not computers, and most human beings (from my observation) are not rational.

In fact, from what I've witnessed, I would claim that most human beings appear to be famously irrational.

So it would only stand to reason, that markets made by human beings (for things like food, clothing, gasoline, and housing) will not naturally fluctuate with the needs of consumers, but rather, will usually charge prices set as high as the sellers of those various commodities can get away with charging.

But what if thousands of people, in a place like a snow-covered environment, can't afford to pay what the sellers of housing are demanding to be paid?

Should they merely sleep outside in the snow?

I don't think so.

Yet many of them do.

Why?

I can't say definitively, but while visiting the city of Boston, Massachusetts in the Spring of 2012, I had the opportunity to meet a fairly large number of the many, many thousands of homeless people who resided in that city then, and what I found was shocking:

There were what appeared to be, over ten thousand homeless people in that city then, contrasting sharply with the large number of "for rent" signs I saw on various houses and apartment buildings in the city, and it's various suburbs.

I met former businessmen and women, many of whom had lost their jobs in the mass-company-firings of the recession of the 1990's and 2000's, (which apparently caused their companies to permanently downsize their jobs), in what resulted in tens of millions of Americans being put out of work (and in many cases, they and their families being evicted out of their homes).

While learning about the struggles of the homeless in the United States of America, the first thing I noticed is that the formal and informal network set up to help the homeless, in actuality accomplished very little to help in any real, tangible way when it came to housing people whose primary need was just that.

Instead, most of the organizations I contacted, and interacted with, seemed to offer everything but.

Food, clothing, toiletries, (and at a few of the better facilities, phone calls, and occasionally, showers), were often available, but real progress towards attaining permanent housing seemed to be continuously (and maddeningly) elusive, not just for myself , but for almost all of the hundreds of homeless people I met and spoke with.

That lack of the one crucial thing homeless people need the most, appeared to lead to a very high level of despair among many of the dozens of homeless people that I spoke with, and that despair appeared to often led many to engage in self-destructive behavior, and even angry verbal outbursts.

More depressingly, that despair appeared to be intensified by the self-hatred many homeless people seemed to experience after such (usually-justified, yet often misdirected) outbursts, and many of the people I met seemed to be descending down into a deeper and deeper predicament.

Many began to resort to the habitual use of alcohol or drugs, in an apparent attempt to numb the feelings of resentment and self-hatred that seemed to engulf them.

Then, when those same suffering people went to seek housing, those incidents of self-medication with alcohol or drugs would be included in their "client profile", and many of them would be shunted off into a "bad client" category, and often be:

1) forced leave the homeless shelters,
2) forced to "meet with the police",
3) forced to attend burdensome anti- "substance abuse" classes and meetings, (despite the fact that some of them had no place to sleep at night),
or …
4) forced to "leave the immediate vicinity" of the homeless shelter, and go …

where?

As a result, many of the hundreds of homeless people I met in Boston, Massachusetts, Manchester, New Hampshire, Miami, Florida, San Diego, California, and Los Angeles, California, seemed to find themselves having no choice but to live outside for many months, years (and some, even decades), at a time, sometimes even in the ice and snow.

I met a few men who had spent entire previous, New England winters outside, some in tents in the snow-blanketed woods, and some feebly attempting to sleep on top of heating exhaust vent grates, to escape the bitter (and sometimes deadly), below-freezing, winter night-time temperatures.

It appeared that every few nights in one of the major north-eastern United States cities, someone would die from sleeping outside in the bitter winter cold. In a rare effort to avoid such tragedies, police officers in progressive Cambridge, Massachusetts would drive around, all throughout the night just before, and during, major snow storms, on the lookout for people who had fallen asleep outside.

While exploring the back streets of Cambridge, Massachusetts in the middle of a few of those bitter cold nights, I occasionally saw people bundled up inside cardboard boxes, feebly (and perilously) attempting attempting to survive the night without freezing to death.

Even more shocking, was the fact that most of the major cities I visited (such as Boston, Massachusetts, Miami, Florida, San Diego, California, and Los Angeles, California), all appeared to have their main homeless shelters located in their downtowns , often within close walking distance (and sometimes in sight of) luxury, high-rise, residential condominium towers, many of which had dozens of empty apartments for rent.

So, despite what many of us may have been taught in college economics courses, the fact is, the free market for housing in the United States of America is not at all efficient. In fact, if you explore the intricacies of many major, urban, United States housing markets, you will often find that they are woefully inefficient.

To make matters worse, the extreme contrast between the levels of contentment of the well-heeled, housed urban professionals, and the barely-surviving homeless appeared to lead to levels of hostility that were, not only disheartening, but even dangerous.

As a result of the predictable frustration experienced by those two extremely alienated groups of "have-more-than-enoughs", and "don't-have-anythings", conflicts would often erupt, with the housed scurrying away to hide inside, and the police sometimes arriving to accost and interrogate the homeless, who were usually intimidated back to "wherever they came from".

As a result, many of the homeless people I met seemed to be developing an increasing level of resentment towards the United States of America, and the wealthy (or those perceived to be).

After 5 months witnessing the social schisms, and other social unrest caused by homelessness and wealth inequality in Boston, Massachusetts, I boarded a bus for Manchester, New Hampshire, where I witnessed the exact same, corrosive social dynamic at work, increasingly undermining our national unity and sense of connectedness.

Being unable to find sales work in Manchester, New Hampshire, and knowing that the bitter-cold New Hampshire winter was quickly approaching, I boarded a plane on November 3rd, and flew to Miami, Florida.

Upon my arrival in Miami, I hopped onto a bus straight to Miami Beach, where I witnessed the exact same, depressing social inequality, occurring right alongside the winter-long festivities of one of the most lively international tourist hot-spots in the western hemisphere .

While there, I again noticed the same super-luxurious residential high-rise condominiums that I saw in Boston, Massachusetts, many seemingly built in the last decade or so, during the supposed "recession" that saw millions of American workers jobs (and paychecks ) offshored to foreign countries, while corporate profits sky-rocketed, sending the Dow-Jones Industrial average, and wealthy peoples bank accounts, to before-unheard of heights.

Even more disturbingly, while in Miami Beach, I noticed that many of the poor homeless women I met seemed to feel compelled to sell their bodies, in order to afford to pay for basic, life's necessities, such as food, clothing, shelter, or medication.

Many of the homeless people I met there appeared to spend at least half of their time hiding from the police helicopters, cruisers, and all-terrain-vehicles, that appeared to patrol the beaches relentlessly, in an attempt to chase them away from the sight of the well-heeled international visitors who flock to that city all winter long.

When not resting in my tent concealed in the sand dunes adjacent to the awe-inspiring "South Beach", I spent my days socializing on the seawall running parallel to the beach. While walking by there one day, I met a homeless African-American Iraq war veteran, just returned home from combat.

He appeared to be suffering from a serious case of "Post-Traumatic-Stress-Disorder", as a result of having his foot blown off by a suicide-bombers attack on the Humvee caravan he was traveling in, and he appeared to be in terrible daily pain, even though army doctors had somehow surgically re-attached his foot.

He spent his days sitting near the seawall adjacent to the boardwalk, and seemed confused, depressed, and very, very angry at the way he had been used, and apparently abandoned and disposed of, by our countries government and military establishment.

After a few months in Miami Beach, the police presence there persecuting myself, and the other homeless people, became too overwhelming, so I decided to relocate to Hollywood Beach, Florida.

Hollywood, Florida is an interesting city. Most of it isn't anywhere near the beach, but is inland, being despairingly separated from the beachfront by the "intracoastal waterway", and so is very humid, though very calm and sociable, inland.

The beach-front itself is almost entirely for tourists. It has a beautiful boardwalk, is very clean and quiet, and is great for:

– families with children,
– those who don't like (or can't tolerate) diverse or international crowds,
or
– those who need a break from the faster paced, party beaches, such as Miami Beach.

However, while in the inland part of the city of Hollywood, I met men who revealed to me that one of the homeless shelters there was charging "rent" to people who slept there, even sending disabled people out onto street corners to sell homeless- advocacy newspapers every day, in order to earn the money to pay their rent.

While walking down the street one day, I met a man in a wheelchair with withered legs due to a serious neurological disease. While listening to him speak, he recounted to me that after he had had disagreement with the manager of the homeless shelter regarding his pain medication, he was unceremoniously evicted out onto the sidewalk a few blocks away, and left there all by himself, even though he couldn't walk.

Subsequently, the shelter where he formerly resided was seized by the city, and condemned, and the man who operated it was intimidated out of that Florida town for being:

"too nice to criminally-prone homeless people".

That was the first indication that there is a trend in many warm-weather cities to be hateful and hostile towards homeless people, and the more I investigated the phenomenon, the more disturbed I became.

For example, in both Florida and California, I heard repeated accounts of serious, even murderous violence being repeatedly directed against homeless people, with some cities and towns in Florida appearing to have reached epidemic levels of such repeated outbursts being directed against poor (and sometimes disabled) people living outside, as discussed in this article here:

http://www.huffingtonpost.com/2013/12/16/florida-homeless_n_4453312.html?temp-new-window-replacement=true

Sadly, such crimes appear to also be on the rise in California as well, as evidenced by this section of the "Huffington Post" news website, which discusses the rising epidemic of violence against the homeless:

http://www.huffingtonpost.com/news/homeless-hate-crimes/?temp-new-window-replacement=true

My belief is, that at least part of the reason for this, is that poor and working-class Americans are so angry and frustrated because of their recent economic difficulties, that they are striking out at convenient, socially-acceptable targets, and in the United States of America, where we worship rich people, poor people within easy reach are becoming the targets of choice.

The worship of rich people, and the resultant demonization and dehumanization of poor people, are just two symptoms of the extreme wage, income, & wealth inequality that exists in the United States of America today.

In fact, from my research, I would estimate that the last time wealth inequality was so unjust in the United States of America, was during the late 1800's, in an age of income inequality so extreme, that the chief corporation-owning beneficiaries of our collective labors were frequently called "robber barons".

Because of the refusal of the corporation owners of that time to equitably share the fruits of their corporations (and thus, their workers) efforts, an organized labor movement began to take shape, and by the 1950's, it managed to secure adequate wages and working conditions for tens of millions of American workers, many of whom still do the bulk of the physical work in this country.

That organized labor movement led to the creation of the often idealized "American Middle-Class", which many credit for the social stability that came to encapsulate the idea of ​​the "American Dream".

However, during the 1970's, a new mentality began to infect the hearts and minds of the collective consciousness of the American intelligentsia, and many economists and business-people began to promote a new world-view, which disturbingly extolled the perverse paradigm that "greed is good ".

In fact, such dangerously infectious slogans were charismatically advocated by the protagonists of movies glorifying such selfish mentalities, as evidenced by Michael Douglas' "Gordon Gecko", in the 1987 greed-inspiring movie, "Wall Street".

From the 1980's, through the 1990's, up until the victory of President Barack Obama in the mid-2000's, this countries "greed-is-good", and "it's all about money" paradigms were also advanced by mind-warping, wealth- worshiping television programs, such as:

"Lifestyles of the Rich & Famous",
and
MTV's: "Cribs".

As a result, the level of hyper-materialism in the United States of America reached such epidemic proportions, that people who don't have enough money are no longer merely viewed as "undesirables", but increasingly, as an entire underclass who are " good for nothing "but to be exterminated.

I believe that this new form of socio-economic fascism represents a very clear and present danger, not only to the millions of homeless people in our country, but also to the tens of millions of us who are merely a paycheck, illness, or missed mortgage payment away from homelessness ourselves.

So, contrary to the idea promoted by generally accepted "free-market" economic theory, the free market for housing in the United States of America does not appear to be at all adequate when it comes to meeting the shelter needs of the people who reside within our nations borders.

And so I believe that our elected government officials have, not only the right, but also the responsibility to intervene, and insure that all of the people dwelling within our nations borders of authority have their basic, housing needs met.

Unfortunately, when broaching such topics in economic discussions, it isn't uncommon to see some contentious mass media commentators irresponsibly launch socio-economic extremist labels at their opponents, in an attempt to marginalize and demonize them, usually utilizing one of the following nebulous labels :

"Communist", "Socialist", "Redistributionist", "Collectivist", et cetera …

Yet, very little thought is often invested into what the exact definitions of those terms are.

With that in mind, I'd like to offer my opinion as to what I perceive to be the correct definition and appropriate usage of such socio-economic labels to be:

First, a "communist" is generally viewed as a person who believes in completely equal ownership of the means, and output, of production, of a nations industry.

(In the past, that goal was frequently attained by government mandate (usually through "nationalization" of a nations private corporations (a form of seizure and redistribution generally regarded as unpleasant by most.)).

On the opposite end of the socio-economic philosophical spectrum, we have what are generally called "capitalists".

Capitalists are those who believe in allowing vastly unequal ownership of the means, and output, of production of a nations industry.

(In recent American history, that philosophy has been pursued almost to the extreme, by unjust recalibration of of our nations tax policy and codes, and has created many tens of millions of "working poor" in our nation (whose ranks appear to be growing by the day)).

Both of those extremes (of Communism, and Capitalism), have generally proven to be very ineffective forms of economic policy in the past, and sadly, they can occasionally result in widespread violence (as witnessed in the cases of both the French & Russian revolutions ).

More intelligently, would be a theoretical balance between those two extremes, called "Socialism".

Socialism, (provided it is not enforced by violence, or accompanied by racial, religious, or ethnically supremacist theories) is usually the best economic approach for a nations economy, as both the extremes of "capitalism", and "communism" have historically proven to be ineffective models for meeting the material, and spiritual, needs of a nations populace.

Such deficiencies in meeting the needs of a nations populace can sometimes result in:

Violent internal "civil" wars (aka "revolutions"), as in the case of pre-revolutionary Russia (where a Tsarist aristocracy attempted to forcibly rule the nations repressively unequal feudalistic peasantry-based agricultural economy,

or

Violent, externally aggressive wars, such as those we are seeing in the modern-day United States of America, the leaders of which appear to be on endless Quixotic quest to (mis) -identify and displace their disenfranchised citizens rage at their increasing economic impoverishment onto convenient, external, foreign targets.

Instead, it might be helpful for our nations leaders to temper our current hyper-capitalist orientation with more socialist economic principles.

Categories
Taxes

Good News For First Time Home Buyers – Orange County is Now More Affordable!

According to the California Association of Realtors, the First-time Buyers Housing Affordability Index for California stood at 67 percent in the second quarter of 2009 compared with 49 percent (revised) in the second quarter of 2008. For California condos, that number is 70 percent. For the County of Orange, it is 53 percent.

So what does this mean? The higher the percentage, the more affordable it is for a home buyer to purchase a home. What these numbers are telling us is that 67 percent of households in California can now afford to purchase a home. And for Orange County, 53 percent of households are able to purchase an entry-level home.

The second quarter of 2009 brought in the following stats:

  • The median price of an entry-level home in California was $ 224,180;
  • The estimated monthly payment, including tax and insurance, was $ 1330. This assumes a 10 percent down payment and an interest rate of 4.92 percent; if your terms are different, the payment will vary;
  • The minimum household income needed to purchase an entry-level home in this price range was $ 39,930

What is interesting to note is that the minimum qualifying income was lower than last year when it was reported that a person needed a household income of $ 60,460 to qualify for a loan on an entry-level home. Interest rates are still low, as they were last year; however, with the decrease in home prices in Orange County overall, first time homebuyers are still able to buy a home now at good terms and great prices. The median income for the State of California is $ 61,030.

You may be wondering how this relates to Aliso Viejo Homes, Laguna Niguel Homes and Dana Point Homes. These are the areas that we have seen a lot of activity in first time home sales with people buying a home, getting great deals. For the beginning of November, 2009 there are 23 homes actively listed for sale in these cities with a maximum price of $ 225,000. Most of these are condos; however, there are a couple of single family residences as well.

This is incredible!

Add to this the just announced extension of the tax credit and you should start to wonder why you are waiting to buy a home in Orange County! First time homebuyers and investors alike should be able to see some interesting opportunities.

Categories
Taxes

All About Affordable Health Insurance Plans

While consumers search for affordable health insurance, they have price in their mind as the top priority. A general conception among the consumers is that cheap health plans should not be costly-the cheapest health plan available in the market is their target. However, this approach is not good. Sometimes, paying for a cheap health insurance plan but still not getting the required level of coverage results only in wastage of money.

With the implementation of the affordable care act, the reach of affordable health plans is set to increase. Or at least, this is what is believed to be the objective of healthcare reforms. However, lots of consumers are still in confusion about how things would work. In this article, we will discuss some detailed options that consumers can try while looking to buy affordable health plans.

To get a hand on affordable health insurance plans, consumers need to take of certain things. First among them is about knowing the options in the particular state of the residence. There are lots of state and federal government-run programs that could be suitable for consumers. Knowing the options is pretty important. Next would be to understand the terms and conditions of all the programs and check the eligibility criteria for each one of them. Further, consumers should know their rights after the implementation of healthcare reforms, and something within a few days, they may qualify for a particular program or could be allowed to avail a particular health insurance plan. If consumers take care of these steps, there is no reason why consumers can’t land on an affordable health plan that could cater to the medical care needs.

Let’s discuss some options related to affordable health insurance plans state-wise:

State-run affordable health insurance programs in California

While considering California, there are three affordable health insurance plans that are run by the state government. Consumers can surely get benefitted by these if they are eligible for the benefits.

• Major Risk Medical Insurance Program (MRMIP)

This program is a very handy one offering limited health benefits to California residents. If consumers are unable to purchase health plans due to a preexisting medical condition, they can see if they qualify for this program and get benefits.

• Healthy Families Program

Healthy Families Program offers Californians with low cost health, dental, and vision coverage. This is mainly geared to children whose parents earn too much to qualify for public assistance. This program is administered by MRMIP.

• Access for Infants and Mothers Program (AIM)

Access for Infants and Mothers Program provides prenatal and preventive care for pregnant women having low income in California. It is administered by a five-person board that has established a comprehensive benefits package that includes both inpatient and outpatient care for program enrollees.

Some facts about affordable health insurance in Florida

While talking about affordable health insurance options in Florida, consumers can think about below mentioned options:

• Floridians who lost employer’s group health insurance may qualify for COBRA continuation coverage in Florida. At the same time, Floridians, who lost group health insurance due to involuntary termination of employment occurring between September 1, 2008 and December 31, 2009 may qualify for a federal tax credit. This credit helps in paying COBRA or state continuation coverage premiums for up to nine months.

• Floridians who had been uninsured for 6 months may be eligible to buy a limited health benefit plan through Cover Florida.

• Florida Medicaid program can be tried by Floridians having low or modest household income. Through this program, pregnant women, families with children, medically needy, elderly, and disabled individuals may get help.

• Florida KidCare program can help the Floridian children under the age of 19 years and not eligible for Medicaid and currently uninsured or underinsured.

• A federal tax credit to help pay for new health coverage to Floridians who lost their health coverage but are receiving benefits from the Trade Adjustment Assistance (TAA) Program. This credit is called the Health Coverage Tax Credit (HCTC). At the same time, Floridians who are retirees and are aged 55-65 and are receiving pension benefits from Pension Benefit Guarantee Corporation (PBGC), may qualify for the HCTC.

Some facts about affordable health insurance in Virginia

While talking about affordable health insurance options in Virginia, consumers need to consider their rights:

• Virginians who lost their employer’s group health insurance may apply for COBRA or state continuation coverage in Virginia.

• Virginians must note that they have the right to buy individual health plans from either Anthem Blue Cross Blue Shield or CareFirst Blue Cross Blue Shield.

• Virginia Medicaid program helps Virginians having low or modest household income may qualify for free or subsidized health coverage. Through this program, pregnant women, families with children, and elderly and disabled individuals are helped.

• Family Access to Medical Insurance Security (FAMIS) helps Virginian children under the age of 18 years having no health insurance.

• In Virginia, the Every Woman’s Life Program offers free breast and cervical cancer screening. Through this program, if women are diagnosed with cancer, they may be eligible for treatment through the Virginia Medicaid Program.

Some facts about affordable health insurance in Texas

While talking about affordable health insurance options in Texas, consumers need to consider their rights:

• Texans who have group insurance in Texas cannot be denied or limited in terms of coverage, nor can be required to pay more, because of the health status. Further, Texans having group health insurance can’t have exclusion of pre-existing conditions.

• In Texas, insurers cannot drop Texans off coverage when they get sick. At the same time, Texans who lost their group health insurance but are HIPAA eligible may apply for COBRA or state continuation coverage in Texas.

• Texas Medicaid program helps Texans having low or modest household income may qualify for free or subsidized health coverage. Through this program, pregnant women, families with children, elderly and disabled individuals are helped. At the same time, if a woman is diagnosed with breast or cervical cancer, she may be eligible for medical care through Medicaid.

• The Texas Children’s Health Insurance Program (CHIP) offers subsidized health coverage for certain uninsured children. Further children in Texas can stay in their parent’s health insurance policy as dependents till the age of 26 years. This clause has been implemented by the healthcare reforms.

• The Texas Breast and Cervical Cancer Control program offers free cancer screening for qualified residents. If a woman is diagnosed with breast or cervical cancer through this program, she may qualify for medical care through Medicaid.

Like this, consumers need to consider state-wise options when they search for affordable health coverage. It goes without saying that shopping around and getting oneself well-equipped with necessary information is pretty much important to make sure consumers have the right kind of health plans.

Categories
Insurance

Cost Of Tuberous Breast Correction: Is It Affordable?

Quite a number of aspects will determine the cost of tuberous breast correction. When you get a better understanding of how these aspects affect the cost of treatment, you will be better placed to select the best option.

Important Aspects That Determine Cost of Surgery

One key aspect that will influence the cost of treatment is the surgeon you select. Obviously, when you seek a highly qualified and very skilled surgeon, you are sure to have a higher bill compared to any other surgeon who has much less expertise. However, the surgeon’s skill and expertise is more than likely to make up for the higher cost. Going for a cheaper option might mean that you won’t get as good a result as you would with the expert surgeon.

Indeed, surgery would involve several other personnel, apart from the cosmetic surgeon. This would include such professionals as anaesthetists. Hence, just as with the surgeon, the quality of service you expect to get from these other personnel would also go hand-in-hand with the overall cost of treatment.

As you may already know, surgical operations to correct tuberous breasts would require a wide range of advanced equipment and treatment techniques. This means that the facility from which you opt to receive treatment should be fully furnished with the best equipment for the purpose. Moreover, this too would be a key factor that determines the cost of treatment.

All these aspects, including medical practitioner’s fees and facility costs, are largely fixed costs. However, there are certain aspects that would bring in some variable costs in any surgical operation. The reality is that different patients have varying severity of tuberous deformities. Hence, the more severe cases would require even more extensive care as compared to the less severe cases.

Actually, someone who only has a type I deformity could easily go through surgery within one day; whereas, someone with a more severe case would have to take a one- or two-day hospital stay. This obviously means that you may have to cater for additional costs even beyond the surgical operation itself. Besides, surgery would definitely be more costly if it would take longer than one day.

When you consult your surgeon concerning the operation, he/ she will assess your particular situation and give you a clear outline of what your procedure will cost. You should also take note that a proficient surgeon would ensure that the initial surgery is carried out in the best way possible, in order to avoid any cases of relapse in future. This will further reduce the chances of incurring more medical costs even after you undergo your treatment.

Is It Covered by Medicare?

The Private Health Insurance Ombudsman clearly indicates that Medicare does not cover clinically unnecessary hospital and medical services. This means that surgical operations meant only for cosmetic reasons wouldn’t be covered.

Concerning tuberous breast deformity in particular, you’re not likely to receive Medicare rebates for milder forms of the condition. However, you can actually receive rebates on a number of costs related to more extensive cases of the condition. You can also get some level of insurance cover, from some private health insurers.

Categories
Insurance

Best Car Insurance Quotes: Guide to Choosing the Best and Most Affordable Insurance for Your Vehicle

When it comes to auto insurance, rates vary considerably – even for just one person. One company may find you to be high risk and give you a high rate, while another might find you to be a decent driver and give you a lower rate. There are 7 major companies that insure most people in the US, as well as small, regional companies. It’s a good idea that you try to get the best car insurance quotes from both the big name companies and the smaller ones. Evaluate your options carefully.

In order to provide you with accurate options, car insurance comparison sites will require that you provide them some details about your driving record, zip code, current vehicle, and so forth. Even if you have a good driving record, there could potentially be other factors that could affect the quotes you receive, including your city, state, vehicle model and make, and even your credit score. If you’re a student, you might be able to get a discount if you make good grades. There might be an option to get a discount in your area if you complete a defensive driving course.

Decide whether or not you need compensation and collusion insurance. Keep in mind this will only pay you for the current market value of your vehicle if it is stolen or has to be totalled. The cost to carry this coverage may very well cost you more than what the replacement value of your vehicle would be. This is often the case for those who are driving older models or cars with high mileage.

Bundle Discounts With the Best Car Insurance Quotes

If you need other types of insurance, there are usually “bundle discounts” available. You can often get the best car insurance quotes if you group multiple vehicles together, as well as insuring homes, property, and other items of value.

Decide what you want to do about your deductible. The higher the deductible amount you agree to pay out of pocket, the lower your insurance payments will be. However, make sure that you do have enough money in an emergency savings account just in case you really are in an accident. You don’t want to get caught unprepared.

When comparing best car insurance quotes, read over the fine print carefully and make sure you understand extra fees. Some companies will charge you simply to process paperwork. You could save money by arranging for automatic electronic payments. If you still prefer to pay manually, what will the late-payment fee be in case you forget about a payment or are unable to make it on time?

Getting the cheapest auto insurance possible is something that needs to be reviewed every 5 or so years, if not more. The cost of auto insurance is always changing, as is your driving record. It’s definitely a smart idea to search for the best car insurance quotes at esurance. It’s a very simple site to use and you can easily compare multiple quotes in no time at all.

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Insurance

Finding an Affordable Motorcycle Insurance

It is only normal for people to find affordable motorcycle insurance in order to save a considerable amount of money protecting their beloved vehicle.

We all know that motorcycles are one of the most popular modes of transportation nowadays. This is because motorcycles are able to get away from the traffic in highways and other streets. More than that, motorcycles provide a faster mode of transportation for people who are always coming to and from work. However, we also know that motorcycles are the vehicles most likely to meet accidents. In fact, in the United States alone, there is an estimate of more than fifty vehicular accidents a year involving motorcycles. In lieu of this, vehicle owners should make finding affordable motorcycle insurance their top priority if they want to get away from all legal claims and all future expenses for motorcycle repairs.

However, though it is easy to command people to find affordable motorcycle insurance, this is actually a tough and very frustrating endeavour. As you go along studying the many options for motorcycle insurance, you will find that the market is a hard and cruel place. In this regard, it becomes necessary for everyone to know the steps wherein they will be able to find affordable motorcycle insurance without necessarily compromising quality.

The first thing that you should do is to shop around and compare the different rates of several companies. There are companies that offer different prices for similar policies, so you should find the cheapest ones among all of them. Also, similar policies do not always guarantee similar premiums, as there are other companies that offer better prices than the others.

Another thing that you can do to find affordable motorcycle insurance is to avail of group discounts. If you are a member of an insurable group; let’s say, an employee of a bid corporation, many companies will offer you discounts to lower the monthly premiums. Always look for the possibility of a group discount, as this will save you a lot of money in the end.

If you are opting for home insurance, then it is more advisable to get your home and auto insurance from the same provider. There are companies that offer big discounts for people who will be getting both insurance from the same company. Although you may not find affordable motorcycle insurance initially, there are still several things that you can do in order to lower your monthly premiums.

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Insurance

Scooter Liability Insurance – Affordable Peace of Mind

Enjoying a recent explosion in popularity, scooters are more frequently seen as offering a viable choice for safe, energy efficient and economically sound travel. Substantially more trendy and attractive than versions from earlier generations, today's scooters have a hip attitude sought by many consumers. For anyone considering a purchase of a scooter, however, it is critical that some time be spent researching insurance options. In addition to the more basic, customary coverage that might spring to mind, it is advisable, and perhaps even necessary to consider obtaining scooter liability insurance.

The laws regulating motor scooter insurance vary from state to state, so a thorough study of the statutes in the potential owner's location will be needed. Even though the specifics of the insurance a scooter operator must have may differ depending on the state, it is a virtual certainty that coverage of some type will be needed. The factors that determine the cost of a policy are not unlike those used in the pricing of car insurance. The type of scooter in question, the optional features on it, the driving history of the proposed insured, and other factors will be analyzed by prospective carriers. In addition, a scooter owner is advised, and sometimes even required, to purchase scooter liability insurance beyond the more basic types of coverage such as collision and theft coverage, and damage caused by natural disasters and vandalism.

Scooter liability insurance provides coverage for personal injury and property damage sustained by others in cases where the scooter operator is found to be at fault for the incident. The injury coverage compensates others for medical expenses and possibly also for the injured party's lost wages and the insured's legal expenses in the event of litigation. Since liability insurance requirements vary widely among states, it is important to seek guidance from industry professionals who are well versed in scooter insurance products.

Many of the large, national insurance providers sell scooter liability insurance as part of their motorcycle category of products. Even in instances where such coverage is not mandated by statute, it may be a good idea for a scooter owner to solicit price quotes for this desirable extra layer of coverage. With a small investment of time, the assistance of a knowledgeable insurance professional and an honest cost and benefit analysis, it is possible for the scooter novice and enthusiast alike to freely explore the highways and byways with the wind in their hair, safe in the knowledge that both their equipment investment and their financial well being are secure.

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Mortgage

What Is the Home Affordable Refinance Program?

2008 saw one of the biggest housing crashes in the history of the United States of America. The housing crash, also known as the housing bubble, was so bad the United States allocated over $900 billion dollars in 2008 alone to special loans. Over half of the $900 billion dollars was given to Fannie Mae and Freddie Mac.

Because of the crash millions of home owners were now upside down on their home mortgage making them ineligible for a new home loan. To add to the damage many home owners had adjustable mortgage rates (ARMS) loans that were going to reset to a higher interest rate causing a payment to sometimes triple.

Many home owners were now unable to make their monthly mortgage payment or owed much more on their home loans than what their house was worth.

The Home Affordable Refinance Program (HARP) is a relief program for people who continued to make their payments even though their homes where under water. Because their homes were worth less than what they owed they often encountered difficulties with trying to refinance their loans. Typical loan standards would usually not allow a new home refinance unless the house was worth more than the amount of the loan being received.

The HARP program helps to enable a new home loan if the applicant owes more than what their house was worth. A few key guidelines include the loan be owned or guaranteed by Freddie Mac or Fannie May and sold on or before May 31, 2009. The home owner has must current on their payment and have a good payment history for the last 12 months.

This program will end December 31, 2016 so it is very important to speak with a mortgage lender to see if you may qualify for a new home loan before the deadline passes. By learning if you qualify you could be eligible to save thousands of dollars a year with a new home refinance.

It is also wise to compare rates from trusted lenders to find out the right loan program for you. These lenders can answer all of your questions as well as give you the options on all the loans you may qualify so that you can make an educated choice on the new home loan. Usually these lenders can give you a good idea of what loans you would qualify for without any obligations or hidden fees.