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Young People In Texas Struggle With Money Issues

In some respects, every generation has its own unique challenges. But young people reaching adulthood in Texas, especially in larger cities like Austin, Dallas and Houston, are waking up to the financial realities that come as part of life.

One part of that reality comes for those who have finished a college education and face thousands of dollars in student loan debt.

At the same time, today’s graduates and young professionals, who entered college just after the dot-com bust, did so with a new sense of reality, having seen in the news examples of how the financial markets weren’t everything the previous generation might have thought them to be.

Still, even after getting that dose of reality, young people in Texas and elsewhere are largely uniformed about personal finance. One study, by Hewitt Associates, a human resources consulting firm, found young people to have developed minimal saving habits while also making investment choices that may be far from advantageous.

A combination of the desire to live “the good life” and the accompanying high debt accumulated in gaining the education necessary to gain employment in their chosen field is creating significant problems for this generation.

While in college, this generation had a relatively simplified list of what constituted “necessities.” Now that they’ve graduated and are out on their own, the list has expanded, with some confusing “necessity” with “wish.”

Experts say the number one problem is a combination of educational and commercial debt, with some saying the average burden for a university graduate has risen by 50% over the past decade. Debt, the experts say, prevents young people from working toward goals like buying homes, saving for retirement or attaining a decent standard of living.

The situation gets worse in that young people, offered a seemingly easy option by credit card companies, go even further into debt, entering a spending spiral that will ultimately choke them off from making wise financial choices.

For some, that can get to the point where they find themselves struggling to make the most basic of wise choices, like making sure they will remain healthy through affordable health insurance.

Financial experts say there is hope in embracing a strategy that focuses on high-interest debt, which ultimately will free up money to invest in building appreciating assets, like a home.

While it may be easier said than done, the advice is sound. It also comes with some practical “how to” steps on how to make it happen.

One strategy is to reduce expenses through creative thinking. Some companies offer basic products and services geared toward those in just such a financial predicament, among them cell phone providers with pre-paid service and auto manufacturers that offer the most basic of transportation.

Reducing expenses in the early years of a career might also involve taking in a roommate instead of renting an apartment alone, even going to movies on discount nights. Some experts say that individuals could cut expenses by as much as 40% without denying themselves a decent quality of life.

Others say keeping records on how progress is being made is also important. The idea is to have mileposts that provide encouragement over what may be a long trip ahead.

Those with an eye to purchasing a home could apply the same thinking to what they can afford. Instead of focusing on the type of home their parents might have worked years to afford, a more modest property might be more realistic. With options that include buying a duplex and renting out half of the property to offset a mortgage, the possibilities begin to widen.

Avail Of No Fault Insurance Policy For Cars

There is a type of car insurance that has been mistaken by some policy holders, seeing it as immunity against faulty or irresponsible driving. The �no fault� insurance refers to the liabilities and policy that is managed by your state. Through this kind of car insurance, financial losses and liabilities are taken over by the residence state of the policy holder. If you have this insurance and you are held liable for an accident, your state will pay for it, whether you are to blame for the incidence or not. There are different insurance regulations for each state in the country. Some car insurance companies call this policy �tort coverage.� When you are endowed with a no fault insurance policy, this does not mean that you can drive irresponsibly.

Each state within the United States has different application methods for the no fault insurance policy. In some states, the car insurance company covers for minor injuries due to the accident that the policy holder is in, regardless of who is to blame. On the other hand, there are some policy regulations that allow the policy holder to file for a lawsuit if his conditions are not complied with. In Florida, the car insurance company can lessen liability coverage by acquiring smaller claims from the court. This is an advantage to the insurance company because of affordable legal expenses and the cutback of total insurance costs.

If your state offers this kind of insurance policy, you might want to avail of it. The �no fault� insurance policy covers for your minor injuries in case of accidents, even if it is not your fault. When you have this insurance and your car collides with another vehicle, your insurance company or your state laws will cover for your injuries. If you are riding with someone, you will be provided with a �first party� benefit. Your passenger gets treated for his or her incurred injuries. If your no fault insurance policy is comprehensive, the coverage is vast. Your insurer will cover all your medical expenses and other costs. Among the states that offer this type of policy are New Jersey, Florida, Michigan, Kentucky, Kansas, and New York.

There are some state laws that allow the policy holders to add service reimbursements. This means that they are not only covered for their losses, they can also sue the third party. When you are planning to avail of a �no fault� car insurance policy, it is up to you whether you want to add this privilege or not.

Tips On Getting The Best Deal On Life Insurance

Purchasing a life insurance policy is a vital step for you to take to make sure your family will be protected in case anything happens to you. In this article, you will learn a lot of tips in order to help you figure out what the right kind of life insurance for you is.

Term policies, just as their name suggests, are limited as to how long they will stay in effect. The primary selling point of term insurance is that it costs much less than a traditional policy. However, traditional life insurance policies are financial assets that you can even borrow against. Conversely, term life always expires and it never builds any cash value to borrow.

You should not feel pressured to invest in a policy that pays a significantly large sum of money. The huge premiums that go along with these policies will simply drain your funds while you are living. Choose a policy that covers the expenses of your family for a few years after your death.

If you worry about how your family would get by without you, then it’s time to look into life insurance. Should you pass away, a life insurance policy can enable your spouse to pay off the mortgage or provide your children with a college education.

Never reveal too much of your personal information when you are shopping for insurance quotes online. There are a lot of con artists online that are looking to take your identity and make some quick cash. Keep in mind that for a preliminary price quote on life insurance, you only need to reveal your zip code.

Get just the right coverage for your family. It may seem tough, but knowing ahead how much coverage you need will help you avoid many issues down the road. Consider what the cost of your mortgage, college tuition, property taxes and the retirement of your spouse, as well as inflation will be, when considering how much to get.

Take measures to avoid paying commissions or extra fees for your life insurance. The agent’s commission is part of your premium. Policies that are “no load” are a great way to save money, but they are usually hard to come by and most companies won’t sell you them directly.

Yearly premium payment is another option besides paying premiums monthly. By choosing to pay the premium annually, you can save a bit of money.

Before you start looking at life insurance companies, you should take time to delve into questions about the purpose of the insurance and the different coverages. Find out what type of policies there are, and how they can meet your needs. Choose a policy that meets your needs and fits into your budget. Read the contract and ask any questions before signing. You should understand everything that’s in the contract.

If at all possible in your budget, make sure your premiums are paid annually rather than monthly. Paying your premium once per year can save you a little money.

Key Man Insurance & Its Importance For Your Business

In a business organization, key man refers to a person who is of great relevance or whose presence is crucial for the successful functioning of an organization. It is not necessary that key man should be the CEO or COO of the company; he could be any person who possesses the knowledge, experience, and expertise to play a decisive role in any of the important business areas. Such a man could be an accounts manager, HR manager, sales manager, marketing manager, project manager, and the like.

Key man, as you would have got an idea, is very important for a business to continue in a stable manner. Suppose an organization ceased to get its key man’s contribution due to death, chronic illness, or permanent disability of such a man, what would be the effect on that organization? The organization would suffer losses, its business activities would be adversely affected, and it would even come to a standstill. So, is there any way to prevent such a situation? The good news is that there is, and it is called key man insurance.

Key man insurance, as the name suggests, is the insurance of the key man of an organization. It is also called key person insurance or key employee insurance. Nowadays, many financial advisor services firms provide professional advice on Key Man Insurance policies. We have discussed above that the presence of a key man is of great importance in a business organization and his/her absence could prove detrimental for an organization. In such a scenario, key man insurance provides a cover for the monetary loss that an organization would suffer in the absence of its key man, or provides financial support for the expenses (for example, salaries of employees, returns to investors, operational costs, etc.) that an organization has to met in times of financial difficulties.

Key man insurance is important for your business due to the following reasons:

�It covers the monetary risk that arises when a key man leaves an organization.

�It provides money to an organization to meet its important expenses like wages of employees, payment to shareholders, mortgage amount, etc., even in times of financial difficulty that occurs due to its key man being not there.

�The organization has also to look for a replacement of the key person lost; this could prove very expensive depending upon the area of business the key person was handling. Key person insurance has the provision of providing fund for such an expense as well.

�Key person insurance is even more helpful to small organizations because loss of a key employee, in most cases, would mean death of the organization as well. Key person insurance provides a chance to such organizations to recover.

Process Of Filing A Death Claim And When It Is Not Payable

The process of filing life insurance death claim is quite simple and straight forward. The first thing to do is to intimate the insurer. The claimant should contact the insurance agent from whom the insurance policy was purchased. He/she will guide you through the process of submitting different documents and the procedure. If the claimant does not know the agent then the insurance company should be contacted directly.
1. Claim intimation: The claimant has to submit the Claim Form to the insurance company. The forms are available with the insurance company’s branch offices or can be downloaded from the insurer’s website. The Claim Form requires information like the insurance policy number, name of the insured, date, place and cause of death, name of the claimant etc.
2. Submission of required documents: The claimant needs to submit the original policy documents and the death certificate. The other documents required are �
a)For natural death/ death due to illness- medical reports, attending physician’s report.
b)For unnatural death/ in accident- autopsy report, police FIR, Panchnama report.
Depending on the sum insured or cause of death, the insurance company may require some additional documents/ certificates.
Once the necessary formalities have been completed, IRDA regulations stipulate that a claim be settled within 30 days from the day all documents are submitted. In case an insurance company needs to conduct further verification, all procedures should be completed within 6 months from the date of claim.
Speedy settlement of claims is a service that a life insurance company is expected to provide, but there are some circumstances when the insurance company can deny the sum insured and the claim is not payable. Some of those reasons are:-
1. If the policy holder, whether sane or insane, commits suicide within one year of the commencement of the policy then no claim is payable.
2. Death occurs under circumstances mentioned in the Exclusions of the policy for e.g. due to participation in a hazardous activity like sky diving.
3. Misrepresentation of facts relating to health- an insurance company can refuse a claim if false/incomplete information is found to be given at the time of purchase of policy. However this can be done only before the �incontestable period’ i.e. within 2 years of policy commencement. If the insurance company proves that certain information provided was done fraudulently, for e.g. someone other than the policy holder takes the medical examination, the death claim can be forfeited even during the incontestable period.
4. One very commonly told fib by prospective policy holders is that they are non smokers when in fact they are not. In a risk cover for critical illness especially, it is very important to disclose the insured’s smoking habits truthfully. Discovery of non-disclosure of the insured being a smoker could lead to the death claim being rejected causing tremendous difficulty for the nominee.
5. If it is found that a person had taken a life insurance policy for another individual with himself/ herself as the beneficiary with the intention of murdering the insured for gain.
A life insurance policy is a contract of �utmost good faith’, meaning that both the insured and insurer are mutually obliged to disclose all facts known to them that are relevant to the policy. It is imperative that the insured honestly discloses all information required while buying an insurance policy to ensure a problem free settlement.

Monsta Clothing Announces Brand New Line

FOR IMMEDIATE RELEASE

Fitness and workout gear company Monsta Clothing has recently announced the launch of a brand new line in their GymWear clothing series. The new items include t-shirts and bodybuilding tank tops that reflect the company’s mission to provide workout clothing and outfits that fit well and are built to survive even the toughest competition. Those who would like to see the new GymWear products or purchase items from the line can do so at the Monsta Clothing website.

Chris Cuadras of Monsta Clothing commented “We started this company with the intention of creating workout clothing that was not only made of high-quality material but also made athletes and anyone else who wore it feel like a high-quality competitor. Our workout GymWear t-shirts are at the heart of our brand and are what has brought our company worldwide recognition. Because it’s our flagship series and the thing that best represents who we are and what we stand for, we are happy to be carrying on the tradition and adding new weightlifting shirts to a line that competitors can wear both in and out of the gym.”

Monsta Clothing has been an innovator in bodybuilding clothes and fitness and workout gear for men, women, and children for nearly a decade. As a real homegrown U.S. based company, their success comes from their roots as a group of people who came together to provide a quality product for the fitness niche with quality service to match. Monsta’s style is always casual and fun, and the newest line in their GymWear series is no different.

As Cuadras goes on to say, “For most athletes and gym-goers, working out isn’t just something to do – it’s a lifestyle. We are proud to present this new line in our GymWear series because we truly believe that the items we’re putting out reflect that fact. The shirts fit well, the messages are incredibly motivating, and each product was designed to remind everyone in the Monsta Nation how truly awesome they are.”

The new line in the Monsta Clothing GymWear series as well as other items from the world-famous brand are available at

About Monsta Clothing:

Monsta Clothing Company produces hard-core bodybuilding clothes, powerlifting gear, weightlifting shirts, mixed martial arts (MMA) fight wear and trendy-hot workout clothes for men, women, and children.

Long Term Care Insurance Can Give You Peace Of Mind

None of us wants to think of becoming incapacitated and needing long term care. But it happens. If you are part of a married couple, you have a 70 percent chance of one of you needing long term care. If you are single, you stand a 40 percent chance. These percentages are bound to increase as baby boomers begin to age.

Long term care insurance can give you a peace of mind. Like health insurance, long term care insurance works to pay benefits to long term care facilities. They will cover what Medicare and other insurance will not and allow you to retain your savings.

Most of us do not plan for long term care and by the time we need it, it is too late. We cannot count on our children being able to care for us. With so many people living well into their 80s and 90s, it is very likely that the “children” who are to care for them are of retirement age themselves. This can be too much of a burden for an older person to take, no matter how much they want to help.

As you have worked and saved all of your life, you probably want to be able to leave something to your children when you pass on. You do not want to end the last of your days on public aid, in a long term care facility that is too far away for your children to visit. But that is what happens to people all of the time.

The way that long term care works is that you have to sign over all of your assets when you enter with an irreversible condition. When they are used up, you then go on public aid. There is no guarantee that the nursing facility will keep you once you are a ward of the state. They can then transfer you to another facility that may be much further away.

You cannot count on Medicare to pay for your care. They will pay a fraction of what it will cost to take care of you. And do you really want your children or loved ones emptying their bank accounts to pay for your care?

If you plan ahead and get a long term care health insurance policy, you can be covered. These policies will pay $150 a day for your care for a four year period. You can use the money when and if you need it. You can also get an inflation clause in your policy so that the $150 that is good for today will cover what it costs 20 years from now.

The amount you will have to pay for a long term care insurance policy will depend upon certain conditions such as your age and general state of health. But planning ahead for this kind of care is essential if you want peace of mind and do not want to have to worry about becoming a burden on your loved ones as you get older.

Earn Some Extra Money Working At Home

An individual who stays in the house together with the kids might not wish to completely stop generating money to do so. Although they’re going to mainly be looking after the children, there are occasions when they can sit down at the computer as well as accomplish a little bit of work to be able to make the money they’ll need. A mother or father who desires to do this will need to explore a few of the ways they are able to help to make cash from home.

Publishing a blog or composing content for other individual’s blogs could be a wonderful income source. Money back websites can easily supply them with some cash too. They might furthermore desire to take into account investing some money. Anytime they will have free time at home, they’re able to view sites to find out a lot more about precisely how to invest their particular cash. The right investments may help their funds develop significantly and could make it less difficult for them to be able to generate a little bit more money. All of these strategies, and more can be blended also so they can make just as much funds as is feasible while working from their home.

In case you wish to find out much more concerning working from your home whilst you look after the youngsters, you could wish to browse the info linked here. You are able to additionally find out more and find out here now precisely how you’ll be able to start doing a few of these.

Support Your Family By Buying Health Insurance

Many people do not seriously consider investing in health insurance until it is too late. It could be that they did not understand it, it’s importance, or think they could afford it. This article is packed with tips and tricks that will help you to understand various aspects of health insurance coverage.

Figure out the costs before getting your own health insurance. The specifics on insurance and their co-pays, premiums, and deductibles can be very difficult to understand fully, make sure you do your homework!

Anticipate that your insurance policy’s language will have at least some loopholes in the coverage it provides. Make sure you read the policy thoroughly, so there are no surprises about what it doesn’t cover. Be aware of what items you are required to pay for out of pocket and be prepared to do so.

If your eyes already have issues, or vision problems exist in your home, then vision insurance proves a smart buy. The insurance will cover a percentage of your check-ups and your glasses or contact purchases. Of course, nobody is forced to have vision insurance, and you can save a few bucks a month by not having it.

Make sure the doctors and medical facilities you routinely use recognize the insurance you are considering before you sign up with the plan. To get a list of doctors that accept the health insurance you’re considering, simply visit the insurance provider’s website.

If you plan to have a baby soon, you should find a healthcare plan that will cover all expenses relating to your pregnancy, labor and delivery. This is extremely important because there are plans that will not cover certain pregnancy and labor needs.

If you are relatively healthy and do not visit the doctor often, start an HSA (Health Savings Account). The money you are not paying in premiums and insurance deductibles goes into this account to be used for future medical expenses.

Read your bills when they arrive. You may think that because you have health insurance that the additional costs you have to pay will be low. In some cases though, this can be wrong, especially when the cost of prescriptions are taken into consideration. Generic versions of medications are often ignored by doctors writing prescriptions. Don’t forget to shop around. Generic medications can vary in each pharmacy.

The options are multiple for obtaining good health insurance. Research as many options as possible before signing up for health insurance. Don’t make any decisions unless you are certain that you comprehend the pros and cons of all of your available choices.

Health insurance may be complicated, but knowing what you are doing makes it easier to understand. You just need to take a little time to educate yourself. This article is the perfect example; it states some great tips from people who have made these same decisions and the outcomes they have received.

22 Lessons Learned: Resources

The Importance of Women’s Sexual Health When talking about what makes sexual health a good one, this does not only mean sexual intercourse. The women need to understand that aspects like sexual orientation, how the body works, accepting sexual desires and knowing what will turn you on and what turns you off are included. The unwanted pregnancies, choosing a form of sexual expression that makes you comfortable and knowing how you can protect yourself from the sexually transmitted diseases (STDs) are included as well. The first step to sexual health and this is the step that women need to understand and this is none other than accepting the sexuality that you have. The fact cannot be denied that the way sex is perceived by people is greatly affected by how parents and society looked at it. Talking about sex has become a taboo only in today’s time. And it is as a matter of fact because of this that the children have come to think that sex isn’t a good thing and this is most especially true for the women. And women automatically register the disapproving voices that are talking about homosexuality. These are the kinds of false ideas that can be brought until the adulthood of people and will therefore be a hindrance to a good sexual health. There are actually other effects and these are: the approach to sex is negative, feelings of guilt or shame when doing sexual activities and a feeling of reluctance to fully explore sexual activities. What you need to keep in mind with your sexuality is that this is an important part of who and what you are today. The overall positive effect of having your desires is that women can creating a self-image that is healthier and enhance their sexual experiences. As a person and as a woman, you should never accept anything that you are not comfortable in most especially when talking about sex. It is definitely wrong to put up with activities that are sexual that make you feel humiliated, hurt or embarrassed. It is actually possible for you to be able to choose a sexual expression that you are comfortable in and empower you to control your sexuality. This method is none other than the knowledge on what gives you excited and pleasure knowing what you exactly want from the sexual relationship.
Why Wellness Aren’t As Bad As You Think
A good sexual health also means that you are aware on how you will protect yourself from the sexually transmitted diseases or STD. Talking to a gynecologist is the best solution for the women that have any inhibitions, fear and doubts. The important aspects of sexual health are: learning various kinds of STDs, what your options are if you have been infected and how to know if you have one already.Lessons Learned About Health