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Author Archives: Glasses or Contacts

The Basics of Disability Insurance

Many people assume that disability insurance only makes sense if you have a high-risk job that involves strenuous activity, dangerous sites, or heavy machinery. However, statistics suggest otherwise. According to the Council for Disability Awareness, one in four of today’s 20-year-olds will become disabled before they retire, and accidents are not the leading cause of disability. Instead, most long-term absences are caused by things that can happen to anyone, from a common back injury to cancer. Disability insurance provides many benefits for disabled workers and their families. Women can use disability insurance to cover lost wages when they take maternity leave. Short-term disability insurance can help protect workers during a serious illness or after a surgery that requires a lengthy recovery period, and long-term disability insurance can cover those with chronic mental conditions. Although the former isn’t meant to last longer than two years, the latter can cover a policyholder from one year up to age 67. Often, your age determines the standards and benefits of your disability insurance. The younger you are, the higher the standard for disability will be and the lower the amount you will receive. Keep in mind that most insurance policies stop covering policyholders once ...

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What Made the Litecoin Price Rise?

The past few months haven’t been easy for Litecoin, which, like many cryptocurrencies, has been losing value since mid-December, when it was worth more than USD 350. However, despite strong negative pressure, the popular altcoin’s market cap has once again reached the USD 12 billion threshold. After a very steep fall recorded on February 20th, when Litecoin shed about USD 78, falling from USD 262.60 to USD 184.68 in only 3 days, the digital currency, frequently described as the silver to Bitcoin’s gold, is heading back up and is currently trading at around USD 205,45.   Improved Market Sentiment and FOMO   The recent rise in Litecoin’s price is said to be due to improved market sentiment about cryptocurrencies in general, with many investors viewing the weaker market as an opportunity to get involved. The FOMO – or Fear of Missing Out – factor is likely at play here, since many new and prospective crypto traders are known to regret not buying into the top digital currencies some time ago, especially considering the impressive gains seen last year. These traders have been monitoring the digital currency markets, waiting for any signs of an incipient rally. As soon as a slight ...

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How Health IQ Can Save You Money on Life Insurance

When you want to find ways to save money, you may be tempted to eliminate some bills altogether. When considering your cable bill or the monthly subscription that caught your eye, this approach isn’t bad. Life insurance, however, is different. Canceling your life insurance policy may free up some money month to month, but you need to consider the long-term consequences. Fortunately, you can find ways to reduce your life insurance costs without impacting your family members. Start by reviewing your current policy, looking for any riders you don’t need or want. Eliminating riders can help lower your premiums. You can also consider paying annually instead of monthly — something that only 30 percent of millennials and 53 percent of Gen Xers surveyed by Health IQ knew could lower their rates. If these small changes don’t make a noticeable difference, re-evaluate the length of your policy and do some comparison shopping. For example, you may find lower rates with an insurance agency that relies on waist-to-hip ratios instead of BMI. Here’s where Health IQ comes in. Health IQ has unique underwriting policies that have replaced the outdated BMI chart with meaningful data such as cholesterol calculations while factoring in a ...

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Learn How to Save as Much Money as You Can on Your Auto Repairs

When your vehicle starts to show signs that something is wrong with it, it is common for people to become overwhelmed and nervous because they assume that it’s going to cost a lot to have their car repaired. It’s important to know that there are some issues that arise with a car that are not overly expensive to have repaired. If you push off needed repairs they could lead to more serious issues in the future. It’s best to have the repair done as quickly as you can. The following guide walks you through a few steps you can use to ensure that you’re able to get your car repaired quickly and easily. Choose the Right Repair Shop The first thing you need to do is you need to find the right repair shop for your car. If you have a foreign car, it is best to choose a repair shop that specializes in repairs on that exact type of vehicle. It is best to go a shop in a city near you.like If you live in Utah, you may want to look into Integrity First Auto Salt Lake City that has been open for quite a while and has an ...

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4 Bad Habits that Can Ruin Your Financial Stability

Every business owner should remain focused on the ultimate goal of generating revenue and maximizing profits for their company. That’s because despite all the distractions business owners face, the most crucial element to running a successful company is maintaining its financial viability. Unfortunately, those distractions that occur on a regular basis can not only deter you from accomplishing good work, they can actively cost you money. With that in mind, here are four bad habits that can sink even the soundest operations –– and how to avoid them in the first place. Working with Friends or Family On paper, it might sound like a good idea to involve close friends or relatives in your business. Trust us, it’s not. Friends and money simply don’t mix. Keep your professional relationships professional, and keep your personal relationships personal. Doing so will go a long way to alleviating costly mistakes. Poor Time Management Procrastinating is one of the worst habits you can pick up –– and not just because of the negative business implications. Indeed, not having a sound time-management strategy will almost certainly hinder your efficiency. This can occur in obvious ways like missing important deadlines or meetings, or it can gradually ...

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