Most people find “investing” to be quite scary, especially if you don’t have sufficient money to spare at the end of each month. As we’re all aware, all types of investments carry an element of risk. As such, it’s wise to seek out those low-risk opportunities but with reasonable profits.In order to make an investment safe, it’s best to go for the time-tested “top dog” where the return on investment (ROI) is from moderate to high.Types of investments you may consider:1. Bonds. Investing in bonds is generally safer than investing in stocks. This is because investment in stocks doesn’t come with a guaranteed ROI, whereas a bond is something like a loan and has a promised ROI, plus interest.- There is a distinction between guaranteed and promised. In fact, there isn’t an investment that’s guaranteed. However, with bonds, you know what you’ll be getting at the end of the day. Seek out investments in a company with a proven track record as it’s less likely to go bankrupt.- Bonds are normally paid back to you by year-end. Though, the payment terms can vary from one agreement to another.- The bigger is your bond, the bigger is your profit. But bear in mind, you’ll be making more money on a higher interest bond. So, it would be better for you to invest your money in one high-interest bond instead of multiple low-interest bonds.2. Stocks. As mentioned above, there is an element of risk when investing in all types of investments, but for stocks, the ROI will be higher. Of course, you can cut down your risks by investing in safer or defensive stocks.- Companies like Kentucky Fried Chicken (KFC), The Procter & Gamble Company (P & G), Johnson & Johnson (JNJ) and Wal-Mart Stores Inc. (WMT) are among the safer picks in the stock market. These companies also place higher value on their shareholders’ positive return of dividends.- Investing in defensive stocks that are reliable and have a proven record of their sustainability and profitability gives some security that you wouldn’t get when investing in the newer and lesser-known companies, which can wind-up at any time.- Bear in mind, there are no one hundred per cent safe picks when investing in stocks, but you can lower your risk by going for stocks of a time-tested and profitable company. Alternatively, you can spread out your risk by investing your money in profitable and time-tested mutual funds where your ROI will be based on a part of a whole portfolio of stocks.- Stocks can be a better pick for your long-term investment plans. If you’re an investor who can’t afford to take higher risk, go for a long-standing profitable company to place your investment.3. Multi-family dwelling property. The right time to invest in a multi-family dwelling property will be during a housing meltdown. You’ll then find many multi-family dwelling properties going below market prices.- A multi-family dwelling property is a more secure investment than a single-family one for the simple reason that it can house more tenants. Therefore, if one tenant chooses to vacate at the end of their agreement, you’ll still have other tenants being housed in other units that are still giving you monthly income.- Multi-family dwelling properties give you a better return than single-family ones. For instance, if you have four units of 2-bedroom apartments and are renting them out for $600 each per month, you’re profiting $2,400 per month. Of course, your profit from a single-family one will be much lesser since it’ll be just from one tenant.Coming up with an investment portfolio requires patience and a sincere evaluation of the highest level of risk you can tolerate. Investing in properties is increasing in popularity in recent years. Having a fully tenanted multi-family dwelling property guarantees a monthly positive return even if you need to pay for maintenance and other charges from time to time.Bonds are a safer form of investment, but the return is, by far, the lowest. However, you can still find certain bonds in the market that offer higher interest rates. Though stocks give you a higher return, but you’re exposed to higher risk, and, moreover, the return isn’t guaranteed.A wise investment practice is to spread your risks and returns through a few investment portfolios where you have a few with lower risk and the rest with moderate risk. You should only partake in high-risk investments provided you have a high-risk tolerance threshold! By practicing this strategy, you should enjoy consistent and positive returns throughout the years.
Wheeled carry on luggage has become popular as a means of simplifying travel in this modern age where DIY (do-it-yourself) projects abound. Almost everyone looks for the easy way out, at a cheaper price. Being able to streamline airline travel, carry your own bags from your car or taxi directly to the airline gate, and then off again, bypassing baggage claim, heralds a new phase for the frequent traveler.The idea of hanging on to your luggage looks dim when you have to handle several pieces of heavy luggage and you do not have anyone help traveling with you. You can avoid this drudgery by packing your personal items in wheeled carry-on luggage.You can find luggage with wheels at the same stores you buy your other travel accessories. You can also surf the Internet for online sellers. You will also find most of the major brands at inexpensive prices from discount retailers. Also, look out for sellers who have sales.This handy luggage is available in all shades, colors, and all materials, both soft and hard. When you are considering buying new luggage, check first with your airlines to find out the correct allowable measurements for carry-on bags. It is possible to find sets that you like with many different featured pieces which will provide carrying capacity for all the items you wish to take with you on a business trip or a short trip to your in-laws.Wheeled carry-on luggage is ideal for all types of travel, but business travelers can benefit most. This is because business travel revolves around short and streamlined trips. The businessperson only needs practical luggage. The idea of a carry-on bag that can hold all your needs and can travel inside the cabin with you, enables you to make good use of your travel time. Carrying luggage is incidental to the trip. It is also ideal for the family traveling in a group. Young children will enjoy pulling their own cases just like the big folks, and that will encourage responsible travel habits early for those kids.Wheeled carry-on luggage comes in many different convenient sizes and types, from traditional looking suitcases to wheeled backpacks and other nontraditional cases. Manufacturers make these easy-to-transport suitcases and travel bags intending to make your travel easier. They simplify packing and carrying your clothing and equipment for whatever adventure you are embarking on, with whatever group you are traveling with.
There are a lot of details to consider when you are choosing a health care plan, whether it’s one offered through your employer or one you buy on your own. No matter what age you are, your health should be a primary concern, although young people often act as if they will live forever and sometimes postpone making health care decisions.Here is a list of common mistakes that people make all the time when choosing a health care plan. They are in no particular order, and all are important to consider, carefully and completely. If you are not conversant with all the terminology or are finding it difficult to make the decisions, you should ask for help from a neutral third-party such as family member or friend. Don’t ask a health insurance company unless you want to hear a sales pitch!Common mistakes
- You don’t check out your doctor, or any others – Although some healthcare plans require you to use a physician in their own network, other plans are more inviting. If you already have a physician, and are buying your own insurance, check with the doctor to see what plans he is a member of. If you do have to choose a new doctor, you should look into the health plan doctors’ credentials by contacting the AMA.- You forget “location, location, location” – The location of your doctor or clinic, and the travel time required, are other factors you should consider when considering health care plans. Find out where the doctor is located and also look into the regular and emergency hours of the facility.- You don’t consider specialists – If you already need specialist care, or think you may need to in the future, you need to know the health care plan’s procedures on using them. Some plans require you to contact a primary care physician, while others allow you to make specialist appointments directly.- You don’t consider your own specialist – You should definitely find out if your current specialist is in the health care plan you are considering. If not, perhaps your specialist can refer you to one who is.- You forget to check the policy on “pre-existing conditions” – Even though this should be a “no-brainer,” people forget to ask about the policies on pre-existing conditions. Coverage for pre-existing conditions varies widely among health plans. Some exclude them entirely, and will not even consider coverage, while others cover them fully. Many health care plans fall somewhere in the middle, offering coverage after a certain amount of time, or for a certain amount of time or expense. Rules promulgated by the Health Insurance Portability and Accountability Act guarantees you coverage for your pre-existing conditions if you join a new group plan offered by your employer after being insured the previous year. Do your research to make sure you know what your policy covers.Less common oversights
- You don’t ask about physicals and health screenings – Again, it seems an obvious thing to ask, but if you appreciate getting regular physicals and health screenings you should ensure that they are covered. Most “managed care” plans do cover these types of procedures, usually on an annual basis, but there are some plans that do not cover them. If you have children, make sure to ask if “well baby” check-ups, physicals and immunizations are covered.- You forget about additional services – Everything, from prescription drug coverage to mental health care, is an important consideration. You need to consider which of the various additional services that you may need are, in fact, covered when you are comparing health care plans. Other examples of these additional services that may be important to you are drug and alcohol counseling and treatment, home health care, nursing home or extended care, hospices, experimental treatments, alternative and complementary medicine, chiropractic care and physical therapy.Bottom line considerations
- You don’t price things out correctly – Once you know what you want in your health care plan you need to compare costs, and you need to do it right, which means covering all the bases. You will need to know exactly what deductibles must be paid first before the health care plan coverage starts paying, and don’t forget to ask if the deductible needs to be met before certain services can be utilized. Find out about “out of network” charges if you anticipate having to go beyond your plan facilities or physicians. Finally, there are co-payment, cap amounts and total-care limits you need to know about. Some plans have lifetime limits, some have lifetime and annual limits, and others have mixed formulas for making this determination. Get all the facts.- You don’t check the exclusions – If you don’t read the exclusions list, you will not know what is not covered. You need to see if any condition you currently have, or that you expect to contract in the future, is included. This is an important bottom-line consideration since, if you don’t get this settled and dealt with up front, you will likely spend a great deal of money down the line to treat excluded conditions.It is a difficult thing to look at your health in a dispassionate, dollar-oriented way, but that’s life. As we age, more of our energy goes into thinking and planning against death and disability, but the subject need not be morbid or depressing. Do your best to get a health care plan that covers what your particular needs are, and remind yourself that you are worth the trouble – and the expense.
There are many different types of health care plans available, and if you are currently looking into health care options for you or your child, then trying to find the right plan that matches your needs and your budget can be a somewhat daunting task. Student plans offer a valuable option both to parents who want to save money on their child’s health insurance without sacrificing the level of health care, as well as students who are trying to support themselves financially while still going to school. Here, we’ll go over a few of the reasons you might want to choose a student health care plan either for yourself or for your child.Student health care plans are designed to keep students healthy throughout their education, and come with a variety of different benefits. Healthy students have been consistently shown to achieve higher grade averages and better test scores, largely because good physical health allows students to attend more classes without absences, and good mental health lowers stress levels and allows students to stay focused. Student plans help keep you or your child in good physical and mental health by providing a number of different health benefits.Some of the health benefits provided by student plans include doctor’s visits, hospital visits and emergency care, dental and vision options, catastrophic care for severe illnesses and injuries, and much more. These plans are largely customizable and can be matched to your particular needs and budget in order for you or your child to receive the best care for the lowest overall amount of money. Different plans are available through private health insurance companies, public nonprofit organizations, government programs, and even through individual schools. Doing a little research on your particular options can help you find the best deals and the best care options available.If you are a student putting yourself through college, then you know you need to save money wherever possible. However, sacrificing your personal health can not only be risky, but it can also end up costing you more in the long run. Getting health care should not be an optional thing for you, and student plans can help you lower the cost of a good health care plan. If you are a parent supporting a student, then getting them affordable and reliable health coverage should be one of your top priorities, and student health plans are a great option.If you need assistance in locating particular coverages at a pre-determined price, we can help save 50% on health insurance