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October 25, 2014
Lost Your Job? – How To Keep Your Insurance Coverage
In this day when companies are facing layoffs, buyouts, and other financial difficulties, it may be difficult to hold on to a good health insurance policy. Thanks to the government, however, there has been a couple of programs that will allow you to keep the same coverage you had before your situation changed – if you act soon enough. Here are some things you need to know about the COBRA program that could enable you to enjoy the same health insurance coverage you had.
COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act, enables you to keep the same coverage for up to 18 months. In some cases, this time period may be extended for an even longer period of time for dependents.
In order to qualify for this program, participants have to meet certain qualifications. The good news is that the conditions for COBRA are rather lenient. If you were an employee, and are now out of work, you may qualify – even if you were fired, or laid off. The exception is if you were extremely negligent in your duties, or performed some act of misconduct that got you fired.
Other qualifying situations may occur in the event of a divorce or the death of the employee. Sometimes there may also be a separation involved, or the employee may retire, or go on Medicare. In cases like this the coverage may be extended for periods up to 36 months. One situation, however, where coverage will not be given, is in the event that the company goes out of business. In that event, though, you may still be able to get your health insurance coverage through HIPAA.
Application Time Is Limited
After a qualifying event occurs, you need to act rather fast because there is not a lot of time given in which you need to apply for the COBRA program. You must act within 30 days of the event by informing the insurance plan administrator (the employer) of your intent to continue the coverage. It is best that you do it in writing – for your own records. After you notify them, they will send you a letter within 14 days, and then you have up to 60 days to decide if you will accept the COBRA coverage.
While you are able to continue the coverage that you had prior to the event, there is a major difference that also takes place. Whereas the employer paid a part of the premiums previously – now it becomes entirely up to you to meet the full price. So, there may be a little sticker shock, because it will not be cheap. Since group insurance is usually much less expensive, you may be surprised at just how much the employer was paying.
One of the great benefits of using the COBRA health insurance coverage is that there most likely will not be any preexisting conditions given since you were already covered before. This means that your coverage continues without any hitches – hopefully, and you can then continue to enjoy what you had before.
Filed by Josh at October 25th, 2014 under Uncategorized
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October 24, 2014
What You Need To Know To Have A Stress-Free Wedding
A beautiful dress. A delicious cake. A great party. Your wedding should be a magical day. So why is it driving you crazy? Weddings can be a lot of work, but there are plenty of ways to make those tasks easier. In this article, you’ll find some great advice that will help you get through the wedding planning process.
Find a wedding venue that will be able to accommodate the ceremony and the reception. You are going to save money and time on the big day, by being able to combine the costs of two establishments into only one. It will also make it easier on the guests because they will not have to drive anywhere to get to the reception.
Finding flowers for a winter wedding doesn’t have to be a chore. There are many popular winter flower options–such as roses, gerber daisies, and chrysanthemums–which are available year round. Well-known holiday decorations such as holly, ivy, and poinsettias can make lovely centerpieces for reception tables. It might also be fun to have tropical flowers at your winter wedding to offset the colder season!
Choosing a color palette is an important part of the wedding planning process. You have to take into account any colors of the location where your wedding will take place. You also have to think about the colors used in your bridesmaids’ dresses, the wedding invitations, and perhaps even the tablecloth and napkins at the wedding reception. But above all, you should consider what colors you will want to associate with your memories of the wedding.
Decide if you are going to have enough time to plan your wedding or not. If not weigh the option of hiring a wedding planner. If you do not have enough money to have her plan the whole wedding, see if she can handle certain aspects of the planning so you do not have to.
Be sure that you schedule at least ninety minutes to get ready for the ceremony. This will give you ample time to make sure that you look your best and make it easier to capture those moments with the camera. You do not want to rush this process on your big day.
Consider having an early wedding and turning your reception into a brunch. If you need to save money, one area that you can trim from is the meal. Dinner tends to be very expensive, so moving the reception to earlier in the day will save you money; you will also have the rest of the day to spend alone as a couple.
If any part of your wedding is going to be outdoors, even if it’s just for taking photographs, have a rain plan. Choose a location that has some sort of cover or building, like a gazebo, so you can at least get some photos with a gorgeous rainfall background in them.
Right now, you might feel like all you can think about are the things you have left to do or the things that might go wrong. But now that you’ve read the tips in this article, you can relax. If you follow this advice, your wedding is sure to be a great day for both you and your guests.
Filed by Josh at October 24th, 2014 under Uncategorized
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October 22, 2014
Even the most generous of parents may feel pinched if they are expected to shoulder more of the costs in a nuptual snowball that accumulates mass with every day before the wedding. It is possible to have a catered barbeque if such an event is something that you do not want to deal with on your own. The ‘hidden gem’ of the township is the Moorestown Community House, located up the street from Our Lady of Good Counsel Church, at 16 East Main Street (telephone 856/235-0326). A mountain wedding is often beautiful and rustic. One of my favourite fashion eras is the 50s, not only for the richness of its designs but also because it is the fashion era that best dressed the hour-glass shaped woman. Well the thing is that you need to make a choice of place for your wedding. The wedding photography, especially the wedding album, are the best and often the only tangible memories of your wedding day. You could also use small, heart-shaped boxes tied shut with colored ribbons. This type of invitation is not only a unique way to invite your guests, but it can also be kept as a keepsake.
I was amazed that this did not occur at this last wedding I attended. You quickly lose your guests interest. The prices at Bridesmaids Bow-tique range from very affordable to pricey. If your guest list is not long, you can go for a small and compact wedding venue. From white, it does not necessarily mean that the cabinets must be white. These offer timely reminders for flowers, photographer, videographer, decorations, entertainment, etc. If they have a babysitter, they don’t have to rush back. Does the site have any music or noise restrictions? Meanwhile, a mandap is mounted at the wedding venue, which is a large tent decorated with flowers, carpets, cushions, garlands and other decorative items, where the wedding takes place. Be considerate on timing your wedding. Cornucopias filled with seasonal produce and plants make very nice centerpieces. Arab Wedding Traditions Muslims have conservation rituals and do not have believe in “love marriages”. Planning a wedding is tiresome. Besides, you have your loving husband with you-the proof and trophy for you being the winner! The venue and the menu all depend on the budget of the individual.
The wearer can combine vintage items with modern twists to ensure the look isn’t old fashioned, but more edgy. The two mothers, that of the bride and the groom, must not both wear dress of the same color, while the fathers wear any dress that the groom chooses. Put light colored glass pebbles on the bottom and float a white votive candle in the water. Place a little of the snowflake mix inside some white tulle rounds and closed up with silver ribbon and you have the perfect exit! Wedding planning task lists and ideas can be found in wedding magazines. Estranged from her husband of just four years, Beth says she still has a few months left before she pays off all the credit card-charged wedding costs from the ,000-plus affair. Whether the bride is trying to work within a tight budget or simply wants to put her personal stamp on her reception, many are opting to craft their own wedding centerpieces. During most of the year’s seasons, there is plenty of beautiful foliage and a range of lovely settings that provide a perfect backdrop for your ceremony.
You can take ballroom dance lessons to make your performance more graceful. Let your sales clerk know you are looking for informal wedding gowns and she will lead you right to where you need to look. Whether you use a solid piece of fabric or opt for one with a pattern, choosing the right material can help attract your guests’ attention and create a more stunning visual display. No matter how you do it, however, putting together a wedding with a seasonal theme actually makes the planning less stressful. In particular, check out their “Raylia Classics” collection of gowns; made with timeless styling and crafted from straight lines, this collection carries some of the most breathtaking gowns perfectly suited to the plus-size figure. The priest blesses the rings by holding them in his right hand and making the sign of the cross over the heads of the bride and groom. When it came to hiring a disc jockey to supply the music for the day, they just couldn’t fit it into their budget. Have boutonni
Filed by Josh at October 22nd, 2014 under Uncategorized
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October 21, 2014
Finances: The Importance of Staying on the Same Page with Your Family
Are you a married or do you currently reside with your romantic partner? If you do, there is a good chance that money is always a concern of yours. When two individuals are in a relationship, there are often issues that arise concerning money. For some families, it is hard to get and stay on the same page, concerning finances. If at all possible, you will want to try avoid doing this, as it may not only harm your wallet, but your relationship as well.
One of the many problems associated with men and women, namely those who are in relationships is associated with checking accounts. In the United States, many checking accounts now come equipment with standard debit cards. While debit cards are a nice tool to have, they can cause many problems for some individuals. Debit card purchases are not as easy to remember or record as traditional check writing purchases are. This is where many couples start to see discrepancies with their finances.
To prevent the above mentioned situation from occurring, it is important to make sure that you and your partner are on the same page. In fact, you may even want to take the time to establish some ground rules. These grounds rules may include not having a debit card at all or leaving it home at all times. If the debit card is used or a check is written for the joint account that you and your partner share, it is important that the person who used the account informs the other. Communication is key to keeping your finances in check when having a joint checking account with your husband.
In addition to the improper use of debit cards or check writing, when using a joint checking account, there are many couples who have problems with one or both individuals just spending more money than they have. This is often a problem with credit cards. Credit cards, as you likely already know, are considered financial death traps, as they can cause so many problems. For that reason, if you or your husband or your partner have any credit cards, it is advised that you sit down and discuss usage with them. The best way to stay out of credit card debt is by limiting your use of them or at least your spending. If spending is occurring, it is important that your partner knows about that spending and visa versa.
Since unnecessary spending is a problem for many couples in America, you may want to take the time to create a budget for your household. When doing this budget, it is important that you and your partner create the budget together. This is how you two can both stay on the same page, with your finances. A budget can account for all of the money that you and your partner have coming in, as well as all of the money that needs to be spent, like on rent, gasoline, or car insurance. This can give you an idea of exactly how much extra you and your partner have to spend each month or even how much you don’t have to spend. As a reminder, be sure to create your budget with your husband or your partner.
If you are married, you may find yourself having a little bit more trouble with the money issues between you and your husband. What many individuals do not realize is that when they are married their financial mistakes also become the financial mistakes of their spouse. This is what leaves many women, and sometimes even men, having a difficult time getting back on their feet after a divorce. It is not uncommon for many divorced couples to declare bankruptcy after terminating their relationship.
To help prevent your marriage or your partnership from this trouble, you will want to keep all of the above mentioned points in mind. Learning how to budget together, as a family, as well as properly use all bank accounts and credit cards is the best way to stay all on the same page. Staying on the same page, when it comes to your finances, is the key to financial reassurance and possibly a happy healthy relationship with your husband or partner.
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Filed by Josh at October 21st, 2014 under Uncategorized
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October 20, 2014
Destination Wedding Advice
We are more mobile than ever, so let’s take advantage of it by choosing to get married in your dream location. If you love the ocean, but you live in a land locked part of the country, a destination wedding may the perfect choice for you. The destination could also serve as the location for your honeymoon and a vacation spot for your guests.
When we think of destination weddings we may think of white sandy beaches, but you may choose to have your wedding at a national park, the mountains, or a historical site. You may decide to get married in the birthplace of your ancestors. Such a wedding could give you and your guests an opportunity to visit another country or another continent.
Destination weddings are a lot of fun, but there is some work involved and you need to plan in advance.
If you are getting married in the U.S., be sure to contact the marriage license department of the destination county. It would be smart to call a local wedding planner for a consultation. The help of a wedding planner at your destination could save you a lot of headaches. You have to make sure that you understand the legal documents and requirements to get married in your destination county.
If you are marrying outside of the U.S., be sure to contact the country’s embassy for legal requirements. If you are not comfortable dealing with embassies, contact local hotels for information. Wedding professionals at your destination hotel should be able to provide you with valuable information. Many popular destination wedding locations offer on site wedding coordinators armed with a lot of great information.
Keep in mind that in very remote areas, you might not be able to find anyone to provide the wedding services you desire. If you’re planning to invite guests, keep their needs and interests in mind, too.
A destination wedding could mean savings since your wedding ceremony and your honeymoon can be at the same destination.
Filed by Josh at October 20th, 2014 under Uncategorized
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October 19, 2014
Learn How To Make Decisions About Homeowners Insurance
Over time, weather damage can wreak havoc on your home and cost you thousands of dollars in repairs. For this reason, as well as, many others, it’s a great idea to make sure that you’re properly insured as a homeowner. Read these informative tips to find out how to get the best insurance.
Insurance will protect your home in case of a fire, starting, either inside or coming from an outside source. If the home is burnt down or otherwise damaged by the fire, it can be covered by the individual’s insurance plan. Insurance can save you money, in case of a house fire.
Make sure that you are aware of any changes to your policy following a life-changing event. After it happens, be sure to inform your agent. This includes marriage divorce, adult children moving out or back in, etc. The amount of insurance you will need and everything that you want covered will vary throughout the years. Make sure to keep your policies and inventory up to date.
Making too many claims on your home owners policy can cause you to be ineligible for renewal. Chose the claims that you want to file carefully as it may cause you your policy if you file too many claims in a short period of time. If the cost of damages are close to the cost of your deductible, do not file the claim.
Show some pride in your property by keeping it in top shape to make sure that you can continue getting home owner’s coverage. Sometimes insurance companies conduct drive-by inspections and they will take note of items that could result in a claim. These are things like driveway cracks, roof shingles that are missing, etc. Do what you can to avoid being placed upon the cancellation list.
Increase your coverage when you make significant changes or renovations to your home. Adding a bathroom or home theater increases the overall value of your home but also increases the expense to rebuild should your home be destroyed. After investing in a renovation or addition, make sure your investment is fully protected.
Be sure to regularly review and compare possible home owner’s policies. You should do this at least once a year. Be sure to compare costs of other policies to your own. You should review your current policy and note any changes that may have happened that could lower your premiums.
Installing a home security system can help to reduce your homeowner’s insurance premiums. This is true if the alarm system is monitored by a central alarm center or connected directly to a police station. You need to give your insurance company a copy of your bill or contract to get your insurance discount.
It’s important that you get the best possible insurance plan for your home. In the tips above, you have just learned how to save some great money on the best possibly policy for your home. Never neglect to get insurance because you never know when the worst might happen. You always need to stay protected.
Filed by Josh at October 19th, 2014 under Uncategorized
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October 18, 2014
Have The Most Beautiful Wedding With These Tips
A wedding is meant to be a beautiful, meaningful experience that you and all your guests remember for a lifetime. It shouldn’t be memorable because of everything that went wrong! Planning even a simple wedding takes a lot of effort and thought. So, to make sure your wedding goes well, try the following easy tips.
When you are visiting places that you are going to have your reception make sure you have a check list of questions you would like to ask. You may want to ask how many people it can comfortably seat and also how late you can stay there the night of your reception.
Remember to serve non-alcoholic drinks at your wedding reception. When people are planning their wedding reception, they just assume all of their guests will want to drink alcohol, which is not always the case. Also, there may be children or teenagers at your wedding, who obviously, cannot drink alcoholic beverages.
To save money, use seasonal flowers instead of exotic or out of season flowers for your wedding decorations. Flowers that are in season are a lot cheaper to buy. While exotic flowers may look nice, they can be more than double the price as they need to be imported from abroad.
Try to have a couple close friends on standby to solve emergency problems. This should be your day, so you should be able to enjoy it without worrying if the priest will be there on time. After you found these friends, let go of the problems and allow them to do things for you.
You don’t have to have a white or ivory wedding dress if you don’t want to, so spice up your wedding day with some color! You can choose a pastel color that highlights your hair or eyes, or have bursts of a bright color like red highlighting the details on your dress.
When you are getting married you should pick a festive theme for your wedding. Having a themed wedding adds interest to your special day. Decide early and inform your guests with custom invitations reflecting your theme. Ask them to dress the part. Make the theme be anything you ever dreamed.
When planning the food of your wedding, also try to think of what your guests would eat. The most important thing is to learn about any food allergies so that you can either inform them or provide alternatives. You don’t want anyone going into anaphylactic shock at your wedding.
For an outdoor reception, make sure you keep your guests hydrated. Drinking alcohol in the heat is not a healthy thing. You can serve ice water, juices or fancy cocktails. Make sure you have a way to keep your drinks cold. Hire some server to walk around with cold drinks if you have a lot of guests.
These tips should help keep your wedding less stressful and more enjoyable for you, your guests and everyone else involved. If you follow this advice, you’ll be able to look back at your wedding photos and remember only good times, as you’ll have avoided any mistakes or mishaps that could taint the memory of your wedding ceremony.
Filed by Josh at October 18th, 2014 under Uncategorized
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October 17, 2014
Have The Perfect Wedding With These Tricks
Many cultures and religions have their own wedding traditions. Some couples let doves go after they say their vows, while others jump over a broom. The traditions seem countless. You may want to incorporate one of these traditions into your own wedding ceremony, or maybe come up with one of your own. This article will give you some ideas for different wedding traditions.
Make sure that everyone in your wedding party knows how they’re getting to the wedding site and back home from your wedding! This is especially important if you’re going to be serving alcohol, and essential if it’s an open bar. If you’re worried about anyone getting too inebriated, offer free cab rides to anyone who doesn’t bring a car, or drive them home in your limo.
Try to use a limousine driver that you know and trust so that you do not have to get worried on the day of your wedding. Make sure that he shows up in advance and pay him the extra hour to sit and wait for you. This will ensure that you arrive on time.
If you are going to have a caterer at your wedding, ask them if you can request which foods they make. This way, you know that the food will be to everyone’s liking. Also, ask them if you can have a sample of their food, so you know you will like it.
Instead of having rice thrown at your wedding, you may want to consider getting confetti instead. Rice is messy and can get caught in undesirable places on your body. Also, rice is more expensive and more difficult to clean up. You can buy confetti at any discount or party store.
To help a first-time bride prepare for her wedding, you should know that there are many people who will take advantage of you. Many businesses will over charge a first-time bride so it is important you consult with someone who has experience in planning a wedding. Being prepared and knowing what to look for, will save a first-time bride a whole lot of money.
When picking out your wedding ring, make sure to get one you know you are going to like years down the line. Many people pick a random ring, and later decide that they do not like it. Also, if you are going to get matching bands, make sure both of you like them.
Add some sentimental value to your wedding attire while saving money. Jewelry can be a very expensive addition to your wedding look. You might find some choice pieces that are hiding in a relative’s or friend’s jewelry box. These items can add unknown appeal and design effects to your dress that make you feel beautiful and instill warm feelings during your day.
As stated at the beginning of the article, many cultures and religions have their own wedding traditions. Many of these traditions date far back into history, though some are more recent. Hopefully, this article has given you some ideas for your own wedding so you and your loved one can incorporate something special and unique into your ceremony.
Filed by Josh at October 17th, 2014 under Uncategorized
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October 16, 2014
An Insider’s Guide to Computer Dating Services
Computer dating services have been around for decades, even before the Internet came along. Years ago, these electronic matchmakers used extensive profiles compiled in a dating company’s offices. Some included additional features liked videotaped messages or interviews that were shared with interested singles who turned out to be a match.
Looking back, these computer dating services were considered cutting edge technology. Imagine what it seemed like back in the pre-Web days: you filled out a questionnaire and those answers were fed into a computer, which churned away and finally, after much computing time, spit out a list of potential singles who were the best match for you.
It all seemed so mysterious and technical. In fact, most of those computer dating services more than likely used a very simple matching formula. The “computer” behind the matching was the “hook” or the “draw” that brought paying customers through the door. These days, with the average person being exposed to so much more technology, with computers in basically every single household and high-speed internet connections being the norm, these old-style dating services seem antiquated by modern standards.
So what has become of the old school computer dating service? Well, today they’ve become the modern Web-based dating services. These are now the well known (and perhaps not so well known) online sites you’ve seen advertised so frequently. On the surface, these new style computer dating services mirror the old style services, except instead of reporting to the company’s offices for a matching session, you can enter your information from the comfort of your own home. That’s right, go online in your pajamas if you like and fill out the questions online at any hour of the day or night.
Beyond the basics of how computer dating services work, the matching process has also become more sophisticated. While years ago a simple matching process was sufficient, these days customers expect a greater level of matching prowess, ensuring that the people they are matched with are much more compatible than those they would normally meeting in the offline dating world.
While in the “real world” a dating relationship could well start with an introduction from friends. Followed up with a series of phone calls until the two people involved are comfortable with one another. Whereas, the online dating world starts with an electronic introduction between two singles and then, most often, a series of e-mails form the start of the dating relationship.
Many of today’s singles are too young to remember the old style computer dating services, but they’re certainly very familiar with the singles matching services available online. Today you can expect a very good level of sophistication when the modern systems are matching your profile with other available singles, but remember: the introduction is only the beginning. It’s up to you to take your dating relationship where you want to go.
Filed by Josh at October 16th, 2014 under Uncategorized
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