Don’t Overlook Critical Illness Insurance

Critical Illness insurance is a product that is not very well known by the consumer and therefore is considered the most overlooked type of insurance that an individual may take out. Often referred to simply as Critical Illness Cover, this is an insurance policy that pays a lump sum of money to an individual suffering from a life-threatening disease that is listed in the insurance policy as critical illness.

Critical Illness Insurance will pay the cost of the medical treatment, but if you are actually suffering from a critical disease, your chances to get this type of insurance are practical null. This type of coverage involves a waiting time (called survival period) after an individual has taken out a Critical Illness insurance policy. Thereafter, if he or she develops a critical illness the insurance company will make the Critical illness policy effective, but this will not happen when an individual has a pre-existing medical condition or the critical illness occurs during the waiting time stipulated in the policy.

Do Not Wait Until Your Health Is Deteriorated

One main reason that Critical Illness insurance is often overlooked is the fact of thinking that this kind of coverage is only for people who are prone to get sick sometime soon or when a member of their families suffered from a critical illness that could be inherited. However, the true fact is that the best moment to take out Critical Illness Insurance is exactly when people are healthy, regardless their chances to suffer from a critical illness.

Nobody can predict what is going to happen with their life and even if their medical history and that of their family is excellent, a sudden injury at the work place could be the root of a life-treating illness that may cause the type of illness that this insurance covers. Therefore, getting Critical Illness insurance is protecting your family in case you could no longer work.

Full Payout for the Most Costly Illnesses

This is something that you should keep in mind; the insurance companies usually pay in full the cost associated to four critical illnesses that may come naturally with aging, living factors and even environmental conditions, no matter what your actual health condition are cancer, stroke, heart attack, and coronary artery bypass surgery. Now, you can see that being an individual with a fragile health is not a determining factor to buy Critical Illness insurance.

This is Not an Alternative to Life Insurance

Many people believe that a Critical Illness Insurance Policy will provide them with the same protection that a Life Insurance policy provides. However, this is a wrong perception. Critical Illness coverage is a policy that pays for those days that you cannot work due to a medical condition that requires specialized attention due to its critical nature, preventing you from working as you regular would.

It will not pay any proceed to a beneficiary nor funeral expenses, just the treatment of the critical disease based on the terms that are included in your insurance policy. Thus, it is advisable to buy Critical Illness insurance to extend the benefits of your life insurance policy, but not as a “stand-alone” alternative.

How an Encapsulated Crawlspace Saves You Money

Many homes in America come with a crawlspace under them, whether the owner wants them or not. Unfortunately, standard insulation does little to prevent moisture penetration, and the installed vents rarely remove enough water vapor to be effective. Therefore, many crawlspaces are inadequately proofed against moisture.
The Problem

Bare soil allows moisture to percolate through it and evaporate into the crawlspace. Poured concrete will do likewise if it is permeable. This results in the crawlspace becoming a humid environment. In some instances, the humidity may condense back into a liquid. If this moisture gets into wooden structures, such as the beams supporting your home, it can result in mildew and mold. This mold may give off spores, which can be harmful to you and your family’s health.

Crawlspaces can also harm your finances by increasing energy usage. They can make your home colder in the winter, and hotter in the summer. This will tax your home’s heating and AC systems as they attempt to warm or cool your home, resulting in higher energy bills.

The Solution

There is a one-time solution to all these problems; crawlspace encapsulation. This involves lining the floor, walls, and piers with a vapor barrier. This barrier will trap moisture in the surrounding soil, preventing it from entering the crawlspace. The ineffective vents will be sealed over to prevent damp outside air from flowing in.

The Health Benefits 

Encapsulating your crawlspace will bring a number of benefits to your health and the environment.
? Better air quality within the crawlspace, which results in better air quality in your living space.
? Reduced humidity in the living space, which results in greater comfort throughout your home.
? Prevents the musty smells that may emanate from a humid crawlspace.
The Economic Benefits
What’s more, it will save you money in the following ways:
? It will help keep your home cool in the summer, and warm in the winter, reducing the need for air conditioning and heating, thus lowering energy bills.
? It is a relatively simple installation that only needs to be done once. This saves on the time and manpower costs which come with repeat treatments.
? It will prevent rot and mold spores, potentially reducing medical and repair bills.
? Helps to prevent insect and vermin infestation, thus potentially saving money on exterminators.
? Helps to preserve the floor, HVAC equipment, and other elements of the crawlspace you may have installed, thus lessening costly repair and replacement bills.

The task of encapsulating your crawlspace is relatively straightforward, so you could conceivably do it yourself, however, many companies offer this service. This is a wise investment, as crawlspace professionals will be able to assess what needs to be done, and ensure it is done correctly, preventing the need for costly remedial works.

Energy bills have been rising steadily over the last decade and may continue to do so for the foreseeable future. Therefore, encapsulating your crawlspace now could be a very wise investment which will save you money in the long run.

Braving the Storm: 4 Steps to Handling a Medical Emergency

More than 7 million people find themselves in Australia’s hospital emergency departments each year based on a recent report from the Australian Institute of Health and Welfare. These visits stem from a wide range of issues, some of the most common being vehicle accidents, on-the-job injuries, heart attacks and complications from long-running health conditions. While hospital staff members are trained to handle these situations, the average citizen isn’t typically equipped to deal with sudden and urgent medical needs.

How to Handle a Medical Emergency

When it comes to health scares, panic tends to be most people’s first reaction. This is especially true if a close friend or family member is the victim. Responses like these often come from a fear of the unknown combined with a natural surge in adrenaline, and they rarely generate positive outcomes. With a few simple measures, you can be more prepared for a medical emergency.

1) Know What to Look out for

Sudden medical issues come in a number of forms; of course, not all of them are truly emergencies. According to a recently published breakdown of the situation, certain problems are clear indications of the need for immediate medical attention.

A severe headache, extreme weakness, numbness, vision difficulties, dizziness, confusion, and trouble speaking could all be symptoms of issues or injuries of the brain. Chest and/or arm pain accompanied by weakness, lightheadedness, and shortness of breath may be warning signs of heart-related problems. Emphysema, COPD, chronic asthma attacks and anaphylactic allergic reactions are characterized by respiratory distress and potential loss of consciousness.

All these situations as well as choking and severe bleeding are considered serious emergencies. They should always be tended to promptly by qualified medical personnel.

2) Call for Help

Anytime someone appears to be in need of medical assistance, it’s better to be safe than sorry. This rule of thumb applies whether a complete stranger collapses before your eyes at the supermarket or a family member chokes on a bit of food at the dinner table. Never be afraid to enlist assistance. As noted in a related health guide, dialing 1234 will place you in touch with an operator who can offer help, and local police department numbers should be kept on speed dial just in case. To contact an ambulance dispatcher, dial 000.

3) Learn the Basics

Ambulances aren’t always just a few seconds away, and every moment is critical in an emergency scenario. Being able to jump in and offer assistance on your own is a valuable asset. Consider taking an emergency response course to learn how to handle choking, stop or slow serious bleeding, administer CPR and operate an AED among other basic procedures. These classes are readily available at a number of educational facilities, and some of them are offered at low or no cost to those interested.

4) Consider the Financial Aspects

Emergencies come at a price from a number of angles. Though getting medical attention as quickly as possible is crucial in times of need, the financial aspect can’t be ignored. Insurance doesn’t necessarily cover everything, and it can be a bit out of budget’s reach for many.

Analysts recommend having at least a few hundred dollars set aside for unexpected expenses; of course, we all know that isn’t always possible. When you or someone in your household faces an emergency or even a less critical medical need, you may need to get cash instantly or as quickly as humanly possible. Loans are available for just such instances.

Conclusion

Although it’s virtually impossible to be prepared for every sudden and immediate medical need, these four points can certainly help. Knowing how to determine whether a situation is a true emergency, who to turn to for medical and financial assistance and how to productively step in on your own is incredibly empowering. More importantly, these elements can help save lives.

How to Get a Million Pound Mortgage

Seven Figure Mortgages are in Easier Reach than You Think

The continuing strength of the property market means million pound houses are becoming the norm. And mortgages are growing to match

The idea of a million pound mortgage might sound like the sort of financial product that is only available to the rich and famous. But think again. There are more than 770,000 UK properties worth a million pounds or more, and the vast majority are owned by everyday hard working people.

The truth is that there is nothing extraordinary about million pound mortgages in the present landscape and there are more psychological barriers than financial ones standing between you and a house on Millionaire’s Row.

Work with a trusted broker

Any mortgage represents a big ticket purchase decision, and it is vital to carefully assess the different products on offer. Clearly, with a mortgage that runs into seven figures, this is even more important. Choose your broker with care, and he or she will help you navigate the different types of lenders that will be queueing up to offer you a million pound mortgage.

High Street banks

For most of us, the obvious place to go to get a mortgage is your high street bank, but you might think you need something a little more specialist for such a large loan. This is not necessarily the case. The banks have adapted with the property market and many conventional high street lenders are prepared to offer as much as £3 million.

The downside to this option is that they typically work on the same “check box” process for a £1 million mortgage as they do for a £100,000 one. There is usually very little room to negotiate, mortgages are generally limited to standard repayment models and they will struggle to accommodate unusual circumstances.

Still, if you have an exemplary credit rating, a sizeable deposit and a good monthly salary, the high street lenders can offer the most compelling choice, as they typically offer highly competitive interest rates.

Private banks

A private bank will offer a far more tailored, bespoke service and treats every client on a case by case basis. Private banks are not as intimidating as many people think, but they will want to engage in a full financial relationship with their clients that goes beyond simply providing a mortgage. The more closely you engage with them, for example by placing your assets or investments in their care, the better the deal you are likely to get out of them on your million pound mortgage. In this respect, they are the polar opposites of their high street counterparts. It is all about flexibility and relationships.

Building societies

Not every building society got swallowed up by the big banks in the 1990s, and there are still some specialists out there that operate in the middle ground between the above two options. Their rates are a little higher than the high streets, but they typically have more flexible mortgage products available. And signing up for one is a straightforward matter with no strings attached.

There are pros and cons to each of these types of lender, so take time to run through your financial circumstances with your advisor to understand which is likely to work best for you.

4 Things You Should Know About Swing Trading


As an investor in the stock market, your primary aim is to meet maximum profits while minimizing risks. However, the dream of winning big can be rarely or frequently hampered by losses, depending on the market trends. With online trading, you achieve small profits while circumventing losses. The little profits, if consistently accumulated over time amounts to significant gains.

Currently, there is a wealth of online resources on swing trading. The resources, coupled up with tools, and platforms that support this type of trading is progressively attracting many investors. Key factors to note about swing trading include:

  1. Swing trading makes a perfect way to ease into trading

Generally, this type of trading doesn’t require spontaneous decision-making approaches compared to other types of trading. Rather, this particular type of trading has easy to grasp and implement strategies. Swing trading doesn’t focus so much into the intrinsic value of the stocks an investor wants to trade. Instead, it capitalizes on time, and the market shifts likely to occur within the given time.

Since swing trading captures short-term trends of stocks, it makes a perfect choice for a part-time trader. For instance, unlike day trading which requires an investor to open and close trade within the same day, swing trading proffers a holding time of between three to seven days.

2. Recognizing price action is a critical aspect of this type of trade

The art of understanding the shift in prices of stocks is what can make you a success. To gain significant returns on investments over time, you have to master how to identify when prices are stagnating, recognize when prices are rising, and be cautious to note when the patterns are plummeting.

A series of actions associated with good interpretation of the market structure include pre-market analysis and market overview in search of potential trades. Finally, watchlisting prospective stocks pre, during, and post market hours is also a good strategy. It is advisable that decision making is made during the pre-market hours while awaiting execution during the marketing hours is best. The decisions effectiveness can then be reviewed during postmarketing hours for necessary refurbishment.

3. Most concepts that apply to other forms of trading equally apply to swing trading

Despite being a different mechanism of trading, swing trading still holds most principles applied in other types of trading. Therefore, do not be too biased on learning the different patterns only associated with with one way of trading. The more you know, the better you will become.

As a futuristic trader, go beyond learning how the candlesticks work and make the extra effort of familiarizing yourself with the fundamentals that steer the market in general. Learn useful trading indicators, and much more, after that, apply all the relevant concepts to whatever trading venture you choose for better results.

4. Over analysis of market events can make a bad swing trader

Finally, since swing trading is not focused on the intrinsic value of a given stock, do not be caught up into the insignificant details. For instance, several shares from a given industry simultaneously gaining value is a good enough indicator that investors are pumping money into the industry. Any further analysis of such a scenario can lead to delayed action hence limited gains.  

Why You Need to Prepare Yourself for Financial Emergencies

Life is full of surprises and sometimes those surprises are expensive. You don’t want to get caught unawares by a pricey problem that pops up out of the blue, especially if you’re waiting for your next paycheck to come in. The best solution that people can have tucked in their back pockets is an emergency fund, so they can deal with these complications right away.

 What is an emergency fund?

An emergency fund is a must-have for people looking to have economic stability and security — experts rate it as one of the most important financial accounts people need to have in their lives. The reason why emergency money should be separated from a checking account is that you will be tempted to dip into it. Keeping the funds in a different space will make sure that they stay untouched, until the right circumstances arrive.

 How do you get started?

Industry experts also advise that people only use bank accounts or physical bills for this type of fund. Relying on investments in the stock market can be risky and result in a major disappointment when you’re looking for financial support. You want to have a fund that is reliable and that you can withdraw at a moment’s notice, so you can deal with a serious situation the second that it happens.

 The ideal amount you should have saved up in an emergency fund depends on your income and your living expenses. It’s recommended that you have enough to cover between three to six months of those specific expenses. Some people may find achieving this end-goal to be very difficult in a short amount of time. If this is true for you, just work on putting as much as you can manage so that the account isn’t completely empty.

Anyone who wants to build an emergency fund should let people in their social circle know they are trying to reach a new financial goal — this lets friends and family members know that you need them to give you support, not to entice you into spending. This way they won’t pester you to come out for a round of drinks or head to a restaurant opening. When you have everyone on your side, you’re less likely to sabotage your budgeting plans.

 What qualifies as an emergency?

You don’t need to dip into the fund for home repairs that can be placed on the to-do list for a few months or for shopping spree that was higher than expected. The fund is for situations that require immediate attention and when there is nothing in your other accounts that can make the payments.

One of the biggest financial emergencies that people has to do with their health — maybe they had to take an unexpected trip in an ambulance or they need to get prescription medicine that their health insurance won’t cover. A one-time accident that results in a broken arm can lead to more than two thousand dollars in hospital bills.

Here are some other examples of emergency situations that the fund would qualify for:

  • Your car won’t start
  • Your pet needs emergency veterinary surgery
  • You have overdue bills for essential services
  • Your basement flooded
  • Your water heater broke down

What can you do if you don’t have a fund?

You may not have a fund that you can dip into when one of the previously mentioned emergencies happens to you. Or you could have just started saving up for one, but you have a tiny number in the account that can’t cover a fraction of your payment. If you are worried about what to do when you need cash in a hurry and you don’t seem to have any savings or credit that you can access straightaway, there are solutions out there.

An online installment loan could be the quick fix that can get you through a distressing dilemma. After your application gets approved, you can use the money for your issue and then repay it over time in convenient amounts. A company like MoneyKey allows you to apply online, so that you can go through the swift process on your computer at home or on your smartphone. It’s always difficult to tackle an emergency expense, but this solution can make it a little easier for you.

You could be fortunate enough to have a car that always runs, a house that never falls into disrepair and a clean bill of health. It’s possible to avoid major conflicts and financial obstacles in the future. However, you should never bet too much on luck to keep you afloat — having a fully-stocked emergency fund will be the perfect safety-net in case the worst happens.

4 Benefits to Buying a Sea Pine Villa

Whether you are looking for a place to invest, spend the holidays with your family and friends or live, consider buying a sea pine villa. There might be several options, but getting a good place to live or to invest can be a challenge, especially if there are specific things that you are looking for.  However, a sea pine villa might be the ideal home, whether for holiday or living purposes since it is versatile. Here are four benefits of buying a sea pine villa.

Multiple amenities

Most sea pine villas come with a wide variety of amenities where you can engage in different activities and enjoy different sports such as parasailing, kayaking, or just enjoy a boat ride on your own or with family and friends among other relaxing activities.

The various amenities provide a calm, splendid place where you can spend time with your family. You can also take walks, bike rides or just explore the beautiful landscape. Within the vicinity of most sea pine villas, you will find several stores and shops like cafes, harbors, bakeries where you can shop or explore.

A wide range of housing options

There is a wide range of housing options in Sea pine where you can enjoy viewing some of the finest, sandy beaches and lagoons. Even if you do not want to live in a villa, you can get a condo, lot or a home for sale that suits your needs.

Beautiful environment

Nothing feels good like a relaxing, clean atmosphere. Most sea pine villas have a clear view of the sea, providing exclusive scenery and experience.  The splendid view of the horizon gives you a glimpse of the sunrise and sunsets where you can enjoy watching the sun rise and set in the horizon. With a fresh, breath of the sea breeze this can enhance your day making you feel energized and refreshed.

When you buy a sea pine villa, nights out become your most desirable moments. You can enjoy an evening or a walk by the beach while enjoying the fresh air by the sea. In general, the whole environment is not only good for a living, but the climate also provides a great place to spend your vacation away from a busy life.

Safe and friendly community

The sea pine villas reside in one of the most beautiful and quiet suburbs with clean, fresh air all around you. The residential life in a sea pine villa is safe and the community is great. The villas, condos, and homes are all built to meet every person’s need and you don’t have to worry or stress about your safety.

A sea pine villa is not only the best option but it will offer you a splendid, extraordinary experience with a unique and wonderful life. It will give you an opportunity to enjoy life at its fullest.

Even though most sea pine villas are costly due to high demand, you can choose from a wide range of homes, condos and lots of the sea pines villas for sale available depending on your budget. Locate the most valuable sea pine villa and have a splendid time living by the sea enjoying a calm, stress-free lifestyle with your loved ones.