Can We Get Paid Quick Just By Filling Out Forms Baby Boomer Couples Cutting Health Care Costs Protect Your Loan Repayments With Loan Cover In Case You Should Lose You Income If You Want A Cheap Secured Loan Then Get A Specialist To Search For You

What do these 3 statements, ‘Get paid quick, online surveys, free money’ have in common? The online paid surveys industry is one of the fastest growing sectors in online businesses today.

More and more, global companies are muscling in on the Internet to reach out to their customers, and that’s before they even release their new products to the public.

Consumer and market research is today a multi-billion dollar sector.

The bulk of this is forked out by large conglomerates conducting their online surveys prior to their advertising blitz.

Several types of paid surveys are available, some longer or shorter than others. For the most part, the premium paid is dependent on length of the survey given. These are free paid surveys no membership fee required. If you are looking for business ideas for earning extra money online, cash paying free paid surveys is a good starting point.

There are a large variety of web sites and companies to familiarize yourself with. Database companies do not offer paid surveys, they will however provide an up-to-date database of companies who will pay you to take surveys. These middlemen sites are certainly useful because they take the work of handling multiple marketing companies or product companies and handle their survey processing.

If you join such a site, you are guaranteed a good flow of reasonably paid surveys. Marketing companies is the main source. Some marketing companies process their surveys on their own. From certain prospective, it is a good idea to join such survey lists. However the frequency might not be that good as with the other two types.

You can get paid either by cash, free product giveaways or points that can be exchanged for money or products/services from the companies.

So the idea of getting paid via filling in forms doesn’t sound all that far fetched anymore, does it? Are you ready to take on the challenge of online surveys and earn extra cash from the comforts of your own study? If so, you can check out our site for more information.

Baby boomer couples cutting health care costs by pooling resources to reduce the cost of long term care premiums. Instead of buying for one, advisers and analysts say you can sometimes slash premium costs by approaching long term care insurance as a couple.

For those willing to shop around the following three strategies are worth exploring:

1.Shared care plans

In general, sharing long-term policies doesn’t eliminate the need for both partners to buy separate plans. But unlike traditional policies, a special rider is tacked on to each to allow one spouse to dip into another’s benefits.

The main advantage of shared coverage is that if you need more than your current plan allows. But what happens if both eventually go over their allotted amounts?

If you’ve bought a contract with plenty of flexibility and terms that stretch over long periods, experts say that won’t necessarily be a problem. They point out that some providers offer policies that can cover an entire lifetime. A longer time frame usually means greater premiums. A lifetime policy can translate into extra costs when compared with short-term plans covering three- to five-years of long-term care.

“That can defeat the whole purpose of buying a policy that allows you to share benefits,” says Neil Gholson, President of LTC Finical Solutions, inc..

To make sure you don’t run out of benefits, Neil suggests at least four years of coverage. The Consumers Union senior policy analyst says that’s based on data showing nursing-home use averages around 2.5 years in long-term policies.

“Very few people spend more than five years in a nursing home,” Gholson said. “So if you’re going to get a long-term plan that shares care between spouses, look at a four-year term. Fewer years could be a little shy, especially considering that policies can cover home as well as nursing home care.”

Best suited for shared care policies might be couples that want to buy shorter-term plans but still want some flexibility to reach into their spouse’s pool of benefits, he added.

2. Long term care partnership deals

Two years ago, Congress expanded to most of the country a program that had been running for years in less than a handful of states. It allows the total value of long-term-care policies to be counted against Medicaid requirements for drawing on personal assets to pay health bills.

But different states have different contingencies. For example, in New York consumers must purchase a long-term-care policy that covers at least three years in a nursing home and six years of home-based care. In return, the state pledges not to go after any personal assets once someone exhausts the benefits in their private policy, says Gholson.

“So Medicaid care becomes a free benefit without any strings attached,” he added.

States such as California and Connecticut use what’s termed dollar-for-dollar protection. In those cases, authorities count the value of a private insurance policy to determine the amount of assets that are protected against pay-down requirements in Medicaid.

It saves the states money because they’re shifting costs of long-term care to insurance companies. And it puts fewer burdens than we currently have on the entire Medicaid system.

For individuals, such partnerships can limit the size of policies they’ve got to buy. The trade-off is that if you buy less coverage than a state’s threshold to qualify for Medicaid, you’ll still wind up dipping into your savings.

“If you live in a dollar-for-dollar state, you might want to buy enough insurance to protect your entire portfolio in a partnership program,” Gholson said.

3. Ask insurance agents about discounts on bundled purchases

This could be the simplest way to savings.

Some carriers now offer promotional rates for two people that buy a long term care package at the same time.

Those are marketed as spousal discounts and can range between 15% and 25% off regular premiums. And if you qualify as extremely fit and healthy candidates, some carriers will even add another 10% discount on top.

Some things to consider:

Each of the three options presents different caveats. “People need to remember that the shared-care marketplace is a fairly new phenomenon,” said Cheryl Matheis, a health strategist at AARP. “They need to ask a lot of questions and carefully examine all of the details in each policy.”

1. Check the insurers’ history of changing prices and policy conditions. Only a few carriers haven’t hiked premiums.

2. Shared long term care benefits likely will cost you slightly more than traditional long-term-care policies of a similar term.

The alternative is that if two people aren’t sharing long-term-care insurance, they’ll probably need to buy more extensive individual policies to get the same level of coverage. The big advantage to shared care is that you reduce the term of policies.

3. If you’ve got enough money, the best option is always to buy separate longer-term plans.

4. If you’re looking at a more affordable alternative, then shared care is an option to at least consider.

5. If you choose a state partnership programs need to note any loopholes may exist, Gholson says. Even buying enough private care insurance to match asset levels isn’t a guaranteed solution.

“Depending on where you live or move, the different Medicaid eligibility and income requirements in each state, the government might still be able to come after your assets in certain cases,” Gholson said.

Spouses cutting health care costs can produce significant benefits with the right amount of research. Contact a Long Term Care Professional that represents several carriers to see what your options are.

As no one knows what’s around the corner, if you have monthly loan repayments to meet you should give some serious consideration to how you would continue to repay them if you were to find yourself out of work through suffering an illness, accident or if you should find yourself unemployed by such as redundancy. Loan cover can give you great peace of mind but it can only do the job it’s intended to do if it is suitable for your circumstances.

Loan cover can give you a monthly income which you can then use to continue meeting your loan repayments if you should lose your income through being out of work for any length of time. The tax free income that a policy can bring would start between the 31st day and the 90th day of being out of work depending on the individual provider and would then continue for between 12 and 24 months.

However you do have to be aware that there are certain factors that can stop you from making a claim and these are listed as the exclusions in a policy with some being common to all policies. If you are of retirement age, self-employed, suffer from a pre-existing medical condition are only in part time work then it wouldn’t be in your best interest to take out a policy, while these are the most common there can be other exclusions as policies differ and it is essential that you read the key facts and exclusions before buying a policy.

Sticking with a specialist standalone provider is essential when taking out cover as in the past loan cover has been widely mis-sold, namely by well known high street brands. This was highlighted in 2005 when the Office of Fair Trading received a super complaint from the Citizens Advice and subsequently several high street firms were handed out fines by the Financial Services Authority. The sector was then referred to the Competition Commission who is currently conducting a comprehensive review which is expected to finish in February 2009. While some changes for the better have been made, the Financial Services Authorities recently stated that little progress has been made in the main areas that need changing, when it comes to selling payment protection products some firms are still lacking in giving out the information needed to ensure that a policy is the right product for the consumers needs at the time of selling.

However the Financial Services Authority are introducing comparison charts in March 2008 and it is hoped that this will make choosing the right policy easier for the consumer as they can answer a series of questions relating to the policy to determine its suitability. Along with this consumers will be told how much they will pay for the cover and what the exclusions in a policy are so that you know straight away if it is a suitable product, for the time being the best way to get all the information needed is to go with a specialist standalone provider for your cover along with the advice needed.

If you choose to search the internet yourself when looking for a cheap secured loan then you could be paying over the odds for the premiums for the loan and so end up paying hundreds or even thousands of pounds more than you could have.

If you want to ensure that you have the cheapest quotes then let a specialist loan broker make a comparison search on your behalf. A specialist will know where to look and the lenders to avoid and will present quotes to you in a much shorter time than you could ever find them yourself.

The secured loan is a type of loan which is given generally over a longer period of time than the personal loan and can usually be anywhere up to 25 years. Along with extending the period over many years (compared to a personal loan) you can usually borrow a larger sum of money than with the personal loan and it is easier to get for those individuals who have a bad credit rating. The cheap secured loan will be secured against your home and as such if you were to default on the repayments then your home would be at risk, which is why you have to give some serious thought to taking out a secured loan.

The interest rates do vary as with any other type of loan but are generally higher than that of the personal loan. If you want a cheap secured loan the best way is to go online with a specialist website. The specialist website will be able to get together the best deal with the lowest rates of interest which you can then compare. Along with the quotes other essential information should be given such as the key facts of the loan and the small print, which should tell you all you need to know to determine if the loan is right for you.

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