How to Get Replacement Car Like a Boss When Claiming Insurance

How to Get Replacement Car Like a Boss When Claiming Insurance

Replacement Car  

Cars are transportation vehicles that are also vulnerable to various risks. However, with insurance you can get a replacement car, depending on the package you choose.

It must be annoying when suddenly the car you use to support your activity is damaged and can not be used. In addition, you may feel very angry by the loss of your car, although this case is less common than the more frequent cases of accidents.

Surely you often see so full of queues in the workshop for car service. You may have experience queuing for days to get service from the workshop, of course this is very time consuming and inefficient.

However, by having car insurance, you do not have to worry, because you will get priority service compared to people who do not have such insurance.

Now the question is how expensive is the car insurance?

How expensive is the car insurance?

There are several considerations you should do before choosing a car insurance. If you rarely do mobility, you should choose TLO (Total Loss Only), but vice versa, if you often drive, then the insurance package that suits you is All Risk package.

As stated in the approved auto insurance policy, the all risk package will cover all possible risks to your car. So look carefully at what's on your car insurance policy.

Choose Car Insurance According To Your Needs Wisely

For your own good, you should be able to choose car insurance according to what you need. Thus, you can feel the maximum benefits of insurance in accordance with your wishes with a relatively cost efficient.
You should also consider whether the insured car is a personal asset or your own office.

From some of the above, you can make a decision about what kind of car insurance you will take.

The existence of a replacement car when making claims can also be a determining factor whether the insurance you choose it is in accordance with your needs.

Because sometimes new people regret it after it happens. They just realized that the insurance package they took did not provide a replacement car. It is unfortunate.

If mobility is at the heart of your job, make sure you have an insurance policy that includes it. Because not all insurance policies will provide a replacement car if it is not included in the initial agreement.

Insurance package with replacement car?

The advantage is with a replacement car when making claims then your activities and productivity or your business will not be disturbed at all just because your car is damaged.

So, Make Sure You Choose the Insurance Package With Car Replacement

I remind you again that not all insurance policies provide a replacement car. So I hope you can know well what the provisions contained in the insurance policy.

If unexpected events happen to your car, your losses can be reduced if you have registered your car on an insurance product.

Also make sure that the policy includes some very important and mandatory things, such as:

• Comprehensive protection against loss or damage to your car. 
• Accident insurance for drivers and passengers.
• Legal liability of third parties. 
• How much additional benefits are given, such as a replacement car, 24-hour online service, warranty for damage repair, tow truck, ambulance car, Mobile Claim Services, and so on.

Is the Replacement Car Facility Expensive?

A replacement car is just an additional facility of your chosen insurance package and you can not use it continuously because it has a time limit to use. Basically this replacement car is free. So pay close attention to the clauses listed on your insurance policy. Because if the use of this replacement car exceeds the time limit, then you will be considered to rent the car and will incur additional charges.

Replacement car have time-limit

The important thing here is that when you claim process, you should be able to choose a workshop that has credibility in handling damage to your car, because your car service will be handled by the partner workshop from the insurer.

Does the replacement car have better quality?

It actually depends on your circumstances when making a claim. If you want to get a car of minimal quality equivalent to your car this can be done.

However, another possibility is that the car is already being used by someone else, so you can get a quality replacement car under your car, but still worth it. If you are not in an emergency, you can wait in line to get the replacement car you want.

However, if you really need a car right away, it is a wise move if you use a replacement car available at that time.

Basically on the insurance policy will be explained that the replacement car that you will receive it will have the quality equivalent to the car you use.

However, in some cases, sometimes the insurer can not fulfill your wishes quickly because so many claims are entered into them, so the stock of available replacement cars is inadequate.

In addition, sometimes the repair process in the workshop can take several days because of the many queues. From this fact, the insurer could just rent a car to the other party to meet the availability of the replacement car.

General Procedures Insurance Claims For Getting a Replacement Car

Here is a general procedure to get a replacement car when making an insurance claim:

• Make sure your claim process has been approved by the insurer. You can know this from the claim number you received. So do not ever enter your car when you do not have a claim number. 
• The average insurance company can provide a replacement car with one condition that the car repair process in the workshop partner is done within a minimum of two days.
  
  

  

  Car repair in the workshop is time-consuming process

• Make sure the service is directly done by the workshop when the handling of your car switches to them. Because the insurance usually only give you time to use the replacement car for five days of calendar time only. If you exceed the time limit, then you will be charged for car rental.

Conclusion

In practice almost all insurance companies have constraints when it has to meet the many needs of replacement cars associated with many claims simultaneously.

Realistically the car repair process in the workshop can take three to five days although this depends on how severe the damage occurred to the car. But during that time, other claims may continue to arrive.

What happens next is the insurer can not provide a replacement car quickly or in other words you have to queue up. If you still want to use a replacement car quickly, in these circumstances, then you will usually get a car below the quality of the car you insure.

But do not worry, you can easily get around this situation. The trick is that you can adjust the time when your car goes into the workshop with the time when you get a replacement car, this applies to non-emergency claims.

But if you are in an emergency and need service repair immediately, then you usually have to queue to get a replacement car.

You need to immediately record your claim number to make it easier for the insurer to quickly check the availability of replacement car stock.

Then they will adjust the schedule for your car service in the workshop. Thus, your daily activities will continue to run properly while waiting for your car to be repaired.

Ultimate Guide To Get Cheap Car Insurance Quotes

Ultimate Guide To Get Cheap Car Insurance Quotes

Insurance Quotes  

A common mistake when choosing an insurance for a car is to choose an insurance agent that often appears to be advertised. Indeed most people fall prey to advertising and they believe that just by looking visually on the internet, magazines or on television, they can easily conclude that insurance companies are the best with lots of attractive offers and competitive premium costs.

Though not the case with the truth, they then regret in the future because choosing an insurance company that is not in line with expectations.

However, do you know if the most important factor for getting cheaper but quality auto insurance is by seeking as much information as possible about insurance quotes from various companies. Why should this be done?

First of all, different insurance companies will provide different rates for the same coverage. Why did it happen? In addition, insurance companies will also have varying degrees of competition depending on the location of the customers who will contract with them.

So how much information from the insurance quotes you need? I suggest you at least have enough information from five quotes for comparison you need.

But make sure also that the quotes that you choose are in accordance with the actual conditions and situations of your own. Thus you will certainly find the car insurance that has the cheapest rate and in accordance with your needs.

Walking around to find at least five quotes from insurance agents around your residence can sometimes be difficult and time-consuming, especially when you are very busy with office work. Therefore, to make this easier for you, we will give you a simple step. I have done reviews of some quotation services and we recommend you to use the two best ones. Each of these free services can give you some competitive quotes from various insurance companies.

Thus it is expected you can compare yourself and draw the conclusions of the best rate depending on the location where you live.

• Use the toll-free phone service at 855-548-732, Best-Quote-Inc. This service will provide you with information about various car insurance companies with specific rates according to your location. You can also see the competition map from these companies related to your business. From here you can get the best rates from qualified insurers. 


• Use the internet and visit www.insureme.com. There you just enter the zip code, and then you can get free quotes from providers in the local area which certainly offers attractive rates. By doing this, you can make a lot of money savings for car insurance.

By doing a comparison of various insurance rates, you can save up to $ 500 or more for your car insurance fee. I suggest that you obtain quotes from service providers mentioned above. Remember, the more quotes you get, the more likely you get car insurance with the cheapest rate.

5 Best Investment Plan For Child Education

5 Best Investment Plan For Child Education

Property Investment  

As a parent, having the best investment plan for child education becomes a very important priority right now. Higher education costs will require parents to save and allocate and more in this section.

But with an increase in education costs that can reach 10-15 percent per year then saving alone may not be enough. Therefore you have to find a better way to guarantee your child's educational future. One such way is to invest.

Before investing for children's education, parents should know in advance what the range of funds needed. Also consider the rate of inflation that occurs each year.

Here are some alternative investments you can make to meet your child's education costs:

1. Education insurance 

Protection of children's education will be acquired by insurance education. As a parent and insurance owner, you will feel better, because if there are risks or unexpected events happening to you, then the insurance company will guarantee your child's education without having to pay a premium anymore.

This is in accordance with the contract agreement with the insurance that has been agreed previously. If you do not have this insurance then I suggest that you can immediately have it, because insurance is also influenced by your age and health condition.

Do not hesitate to ask the insurance agent if you have any doubts regarding premiums and needs of your children's education in the future.

You should also take further consideration when there are agents that offer insurance products as well as investment to you. Before you take the product, make sure that the premium value and the investment you spend will be proportional to the results that will be obtained later.

2. Gold investment

Gold has a value that tends to be stable and liquid. Therefore gold became an investment choice by many people since the first. To make gold as your child's educational investment option, there are several things to note:

• Gold is a long-term investment. Therefore you should be sure when your child needs a fee.
• It is advisable to store gold bars with high levels of 99% rather than storing gold in the form of jewelry.
• Before you buy the gold, you must know the price fluctuations.

To invest in gold today does not have to have enough money first. There are companies that provide the program of installment of gold bullion with interest.

3. Property investment

Property investment is a minimal investment risk with the opportunity to gain huge profits. Try to note that property prices always rise from year to year.

An example is the value of land that always tends to rise. So is the case with the price of a house or other building. If you have enough funds, then you can buy the property in cash. Maybe you want to buy a house for investment, if you do not have enough money, you can buy the house by installments as long as it does not disturb your financial plan. Once you have the house, you can rent it to someone else.

As time goes by, with rising investment value, you can resell the house at a price many times over when you first bought it. You can use the money to pay for your child's education when entering a college or school abroad.

4. Education savings

Educational savings are the easiest way to invest for the future of your child's education. This is generally done to pay for routine educational costs, such as buying school supplies, paying monthly fees or paying for a course.

If you compare this education savings as a long term investment then the results are less profitable. This is because the interest given is usually very small only around 2 -3 percent per year. This is certainly not worth the cost of education with a higher increase for each year.

5. Deposit

Deposits have higher interest rates when compared to savings, ranging from 4 to 6 percent annually. But these deposits can not be taken at any time.

Withdrawal of deposits can only be made in accordance with the agreement that has been done, for example within a period of one month, three months or a year or maybe longer. It depends on the agreement that you have with the bank. You are advised to choose an auto rollover program. Why? Because this program will automatically add the interest you earn each month to the deposit funds you have invested.

This will make deposit and interest funds rise on a monthly basis. However, if you are studying on an increase in tuition fees that reach 10 - 15 percent each year, then deposits also can not be used as a choice for long-term education savings.

Thus, you can still make deposits as an investment choice for short-term financing purposes, for example for the payment of tuition fees on an annual basis.


So that's 5 best investment plan for child education that you can choose as a consideration. Financial planner even suggested that you prepare for education fund when your child is still in the womb. So do not delay investing for the future of your child.

8 Legitimate Work At Home Jobs For Moms

8 Legitimate Work At Home Jobs For Moms

Jobs  

Working at home may be a dream for some housewives, sometimes to have your own income you feel it hard to find legitimate work at home jobs for moms. On the sidelines of your busyness because of taking care of the family, in fact you can use the skills you have to make money.

Actually making money from home will be great fun because your role as well as a mother is not neglected. How much income can you earn by working from home? Well, it could be bigger than what you expected.

Although this work can be done casually unlike when you are in office, but do not underestimate about what you do. When you have certain skills and talents, even if you are just a housewife, you can also be successful. You are also required to be able to self-manage the sustainability and interests of the homework you have chosen.

Many types of work you can do in your home without leaving your child. You can also consider this job as a place to apply your hobby. Make sure you also choose a business that matches your desires and abilities, because this will affect the success of your business.

Here are 8 easy types of work that can be done from your home and can provide benefits to you.

1.Business of ornamental plants by utilizing your home yard

If you love gardening, plants and flowers, then this business is perfect for you. Here you must have the ability and knowledge to care for the plants as well as the nursery method. You can choose the types of plants that you will develop such as herbs, beautiful flowers, ornamental plants such as high-value bonsai.

Who is the target marketing? You can do promotions to friends or neighbors or others before moving to a wider market.

You can also use the internet as a marketing tool of this business. Furthermore, it is easy, buyers interested in your flowers or plants will contact you via email or phone to transact.

Not only that, if you are more creative you can also develop it into another business such as bouquet of flowers business.

You also can follow the exhibition of ornamental plants and in this place you can interact with fellow business people. Thus your network will be more extensive and who knows if anyone wants to work with you.

2. Working as freelance writer

Do you have a hobby of writing? Then this is the right home job for you. Of course it will be more exciting if your hobby can make money.

Writing gives you plenty of opportunities for it. As an early stage, you can become a freelance writer in various media.

You have the ability in this field, it would not be difficult to get a job from the media. Lots of marketplace sites are offering this job which means plenty of places for you to earn extra income. By continuing to improve your skills then it is possible you can become a novel writer or a famous literary work.

Every paper you make will have a royalty and if the market segment receives your work well, the effect is the more income you will earn.

3. Making handicrafts and make money from it

If you like knick-knacks or knitting then you should try to do this job from your home. As inspiration about the craft you created, you can find it on the internet. Easy enough is not it?

If you want to succeed in this business you must have its own uniqueness and good quality about the product you produce. Do not worry about marketing issues.

With the internet everything will get easier. You can start marketing your products through social media. Then if you are getting smarter in finding a golden opportunity, of course it will not close the possibility if your business will grow larger.

4. Starting a catering business

This is a great opportunity for those of you who have a hobby of cooking. You can do your cooking promotion to your closest relatives or friends first. Ask their opinion about your cooking then make it the key to improving quality.

Once you are more confident, start moving to try to distribute your catering cuisine to the offices. With your ability to negotiate, try to be able to work with them on a long-term basis or through a contract with a certain time duration. Not surprisingly, if you are diligent, then your business will get bigger and maybe you should find people as employees even if you only work at home.

5.Start an online business

Nowadays business can be done easily, one of which can be done online. What if you do not have the skills or products that can be sold? It's easy, you can resell other people's products and then you will get a commission from each product that you managed to sell.

It will much better if you have expertise in marketing. You can open an online shop with a professional appearance. Next you can set it easily from home. Revenue from this business is promising if you manage it seriously.

6. Working as an online translator

Do not waste your skill in speaking in various foreign languages. Use your skills to make money as an online translator.

Many of the internet as a translator job offers online, which means that this opportunity is wide open, provided you have the will to move forward.

Especially if you understand the languages that are quite difficult to master such as China, Sweden, Russia, Japan and so on.

7. Opening spa and beauty treatments

As a woman you will surely love body and beauty treatments. If you have the ability and knowledge in this case, then you can open a business spa and body care business in your home.

Because this is just a home-based, do not think about having to compete with the great beauty salons that already exist. You can offer lower prices and this will create a special attraction for prospective customers, especially if you provide satisfactory service to them.

Make your own uniqueness of your home spa concept. Suppose you use natural ingredients that are more healthful like refreshing fruits. This will make your home spa different and interesting.

8. Provide courses or tutorials to school children

If you have good academic skills and have the skills to teach, then this work is for you. You can start teaching certain subjects for children around your home area. You can use the quiet room to support the activities of teaching and learning activities.

You must be able to demonstrate your credibility as a good lecturer. To convince them, you can give your educational history and what accomplishments you have achieved in the subject area related to this job. If in the future your business is growing, you can recruit competent and professional teachers to work with you.

That's legitimate work at home jobs for moms that can be done easily. It will not be a difficult thing to do because you only need a strong determination to achieve success.

Why Having Insurance For Small Business Owners Is A Good Idea

Why Having Insurance For Small Business Owners Is A Good Idea

Small Business  

Every business must have risks, whether it is small or large scale. If you are currently pioneering your dreams, then you are faced with various risks. Now the question is for you, as the owner, how do you to protect it?

Insurance is a good choice.

You realize that small businesses generally have limited capital. However, you must also understand about the business you are doing and the worst risk scenario. With a small capital does not close the possibility to have insurance if you care about your success.

Some examples of protection that can be done by insurance are fire protection, protection from loss and other unexpected events.

The purpose of having insurance for your small business is very reasonable. This will be useful for security and sustainability. Surely you do not want to if your business with good prospects should be stopped for something that can actually be handled by the insurance.

Will you lose by having insurance in your company?

Now we are talking about the assets in your company. For example you have several employees, and as we know that the employees are an asset to your company. Now imagine if they do not have health insurance or employment insurance and then they can not work due to illness. Surely this can interfere with productivity in your company.

You can take out insurance at a cost that is adjusted to the company's financial condition. You can start with basic insurance and this can guarantee the smooth running of your business.

With health insurance or employment insurance, then you have protected the human resources in your company. Then what is the best thing that employees will give to the company? Of course, loyalty.

After that you can read the movement of your business. For example, if your business is engaged in the delivery of goods by car, then you can take car insurance. Thus you can maintain the mobility of the delivery of goods and eliminate complaints from customers due to various problems on the vehicle.

The financial part of your small business should be able to choose the right insurance at a budgetable cost.

The financial section should be the right person and have good credibility. This person should be able to select from the many insurance offered by various companies.

The important thing to remember is that you should focus on protection for human resources first, then you can use other insurance to support your business.


So, do you already have insurance for your small business?

4 Types of Short Term Investments that Proved Most Profitable

4 Types of Short Term Investments that Proved Most Profitable

Short Term Investment  

What exactly do you expect from short-term investments? Of course most of the expectations of people are gaining profits in such a fast time. This contrasts with the long-term investment, here you are invested and in a relatively short time, you can reap the benefit in the form of a specific amount of capital you invested for a specific period of time.

Nowadays, as more and more investment businesses continue to emerge, it causes people to race to try it out. But do you know that most of them do not really know about the business that they follow, so often they are caught in the fake investment business, which of course is very harmful.

The loss experienced by participating in an incorrect investment program is the loss of capital you have invested, without making a profit. So, before you follow the investment program, make sure that everything is right.

Humans are social creatures and always requires a variety of needs to support life. With this short-term investment, if done correctly, they can take advantage of this type of investment, and this is the right choice. Every investment must have risks. However, the level of risk varies for each type of investment.

Here are four types of short-term investments that you can try with various risk, so you can consider which is the best for you.

1. Investment in form of deposits

The investment program in the form of deposits has a policy, ie money that has been invested can not be withdrawn within a certain period. The type of savings used by the bank for this program is time deposits. The customers will save the funds and then they will earn a high enough interest from the funds they have saved.

Of course before you join this program, you should also know about the difference between deposits with regular savings, after that you also need to know how much deposit rates you earn when you plan to invest your money.

The risk is inflation, because it is not possible, that the money you have invested will be lost due to inflation within a certain period of time.

2. Investment in the form of gold, silver and gemstones

This type of investment is an investment in the form of commodities or goods. Valuables that can be used as a form of investment are gold, silver and gems. Gold or silver always has a trend of price increases with time. This is a fairly secure form of investment because it has a price that tends to be stable and even rise to follow the value of inflation.

With a gold or silver investment, you will be safe from inflation, unlike when you save money because it can be eroded by inflation.

3. Stock investment

Accessing the internet in various parts of the world today is getting easier and faster, so this makes the stock business can be done easily, just like you can do it from home only. This business can now be done by anyone, and is not a business for the upper class only.

Most of the population in developed countries are already undergoing this business, the majority are educated society. The perpetrators came from various backgrounds, from housewives to students. They are betting on this stock business.

Why are they so enthusiastic about this business? Why is this business so recommended? Because this business promises real profit in a short time.

Stock business is a business with minimal risk because business people can predict how much profit can be obtained later. In addition, even though they are buying and selling stocks in small nominal and do not yield significant results, they will still gain a steady profit.

4. Forex trading

This type of business is actually quite risky for people who have limited capital. This business focuses on buying and selling foreign currency. The strategy is to buy a depreciating foreign currency, and then sell it again when the currency rises.

Businesses of this type can generate profits very quickly, and conversely, this business can also quickly destroy the financial. Before you actually do this business, it is recommended that you do the simulation first, so you know how to and strategies for buying and selling foreign currency.With this step, hopefully you are really ready to do forex trading business.

Conclusion

Short-term investments can be done as your financial plan, with good knowledge and strategy. Though apart from the risks, the above 4 short-term investments can be tried with careful consideration.

Be careful with any dubious short-term investment offer, so you can avoid fake investment business that could harm your finances.

Happy investing !.

Warning : These 9 Improper Use Of Credit Card Will Make Your Life Difficult

Warning : These 9 Improper Use Of Credit Card Will Make Your Life Difficult

Finance  

If used properly, credit cards can help your life, and vice versa, when used inappropriately, it can complicate your life.

In today's lifestyle, people prefer cashless payments compared to cash.

Till now, the use of credit cards can not be separated in fulfilling the needs, and more than that, the credit card is also used as part of the life of modern society.


Have you read the news about those trapped by credit card debt? With debts piling and often they also have to deal directly with the debt collectors.

The following are the mistakes of credit card use that can cause users to get into debt.

1. You are ignoring reports of your credit card usage

So why should you be concerned about reports of credit card use? Because from here you can do a plan to manage your finances.

As a reference, you can monitor and control your finances easily, and you can manage your monthly or weekly budget.

 Many people ignore this, and unknowingly, their financial consequences become uncontrollable. They live in a wasteful financial style and of course this is a difficult life.

2. Usage that exceeds credit card policy limit 

Often using credit cards and exceeds the limit or also called over limit for non-essential use shows the true character of the person.

Why? Because people like this just follow his wishes, regardless of his future. The worse is the system of credit cards warning about over limit usage even offers you to raise your credit card limit. 

This will make your credit card usage become increasingly uncontrolled, and make your debt becomes higher.

3. Always put off credit card payments 

When you do not pay your credit card bill on time, then they will ask you to pay a fine. They do not care if you have no money or forget, because this is the rules of credit card use.

 So, the longer you arrears the payment, the greater the penalty.

 When this becomes a prolonged problem, the result is your credibility in the banking world will be bad. You will have difficulty in dealing with banks, such as when you want to borrow money from a bank, then they will not give it.

4. Tempted by paying only the minimum repayments 

In practice, the minimum payment will permit the users to pay the minimum installment, usually 10 percent of the total bill.
At first glance it looks nice, but when you take this path, then the rest of the bill you have not paid plus the interest will be a big debt.

This is a trap that has successfully attracted credit card users in general. This will make users trapped in debt with increasing interest without end, until sometimes they can not afford to pay the installment or bad debt.

5. Using a credit card to pay other credit debt. 

Most people, though not all of them will use their credit cards to pay off other credit debts, such as car or home loans.

Indeed this is a practical solution for emergencies, but if not careful, then they can be stuck in debt in the future.

6. Having too many credit cards

Actually what is the reason to have many credit cards? Will it ease your business? Or will it just make your wallet thick?

Now let's think logically, most people are tempted to have lots of credit, because they are tempted by the various facilities offered.

As you know, the annual fee of a credit card is a definite cost to be incurred. With so many credit cards in your hand, it will be more difficult to control your finances.

Ideally, you just have one or two credit cards to keep the transaction you need. If you need more credit cards to use, then you should make sure you really need them and use them for the right purpose.

7. Shopping for items that are not really needed 

Credit card is one of the means by the bank to gain profit.

Even after you become a user, you are often contacted about promotional offers and discounts to always use your credit card.

Did you know that many people end up using credit cards to buy things they do not need? Again, this is a great legitimate tactic for banks to make a profit.

But life is a choice, you can also choose to use your credit card according to the needs that you really need.

8. Thinking that the credit card as additional salary 

It is a big mistake when you consider that a credit card is like an extra paycheck and that means there are problems in your financial planning.

Beginners will usually be happy when their first credit card application is approved, and they will use it directly to shop. This is normal, but the normal thing would be a bad thing if you do it excessively.

You have to remember that by assuming a credit card is like an extra salary, you have actually created a deficit in your finances, which means that there will be more expenditure than income.

So, you need to realize that the credit card is nothing more than a means to help you to make payments easier.

9. Not realizing that the credit card is a debt card

Credit card gives you good. You know, without the need to have a balance, you can use it to shop. Whatever your needs or wants will be financed by a credit card.

However, you need to realize that it is all debt. So, using a credit card like when you use a debit card for cash withdrawal at an ATM machine is a mistake.

You must also know, because there is a credit card usage policy which states that cash withdrawal by credit card will be charged with interest with a certain amount for each withdrawal.

So use your credit card correctly, because it will make your business easier.

Top 5 Money Saving Tips For The Spenders

Top 5 Money Saving Tips For The Spenders

Tips and Information  

Money saving for some people can be very difficult, especially for them, the spenders.

Various reasons they put forward, such as the cost of living is constantly increasing, until unable to resist the temptation to shop various luxury goods.

Are you one of them?

However, it's up to you to believe or not, but it is a narrow thinking!

Without them even knowing, actually the spenders have spent a lot of money for goods that are not needed, even worse, they forget their primary needs, and when they knew it, they had run out of money.

The next thing that happens is that they solve the problem by borrowing money to others or to the bank. Yes, this step will only add to their financial problems only.

Therefore, as a spenders, you need a special strategies which are effective, about how you can save your money for critical needs in the future.

The best ways to save money 

There's a joke that the best ways to save your money is don't use that for anything. But we know it's almost impossible. Money is not everything, but in the world where are we living now, everything need money.

So here is 5 tips that you can try for being excellent to control your finance.

1. Do not be easily fooled by the tempting promotion or advertisements

The work of the advertiser is trying to make ads that they show interest to others, including you. Suppose there is a latest gadget ads with a series of advanced features.

Once you see these ads, you feel that the gadgets you have already worn out, and you are interested to buy the gadget. Then you decide to buy the gadget.

In the next month, the latest series of products reappeared, and they offer a gadget with other features. Here is the problem, many people are into what we refer to as 'victims of advertising', they again stuck buying the product. The money that should be saved for future needs or emergencies are used for purposes that may be considered unimportant.

Or promotion of a product, with the words "buy 3 get 1 free". Try to think about why you buy the same type of goods if in fact you only need one item only.

So consider using your money wisely. Remember, sparing no means stingy. Try to save some of your money and make this as your regular habit.

2. Be a hunter for the discount and voucher

The spender delighted to spend their money. One is usually preferred are shopping. Well, for those of you who can not resist the desire to shop, then try to be a regular customer at a store or boutique that provides discounts or vouchers for regular customers.

Thus, you have leftover money from the discounted price. But remember, do not use the remaining money to go shopping again, because of course these tips will not work.

Immediately save your money, before the shopping desires come back.

3. Visit the website to sell stuff and put your own unused stuff there

Rather than keeping secondhand goods that are not used anymore, you can sell it. As a spender, of course, you have many goods that are not needed, and you store it the warehouse or in the corner of your home.

Try to think of making money from such goods, then you can save the money generated from the sale. This step also indirectly train you to become a businessman. Who knows, of selling unused goods, you can become a successful seller in the future.

Try accessing the site for the sale of second-hand stuff on the internet, and you can list and offer items that you want to sell there. It's much better than letting the stuff into the trash.

4. Use the website for the exchange of goods between the member

You need to have a way to replace the money to get the goods you want.

By utilizing internet sites such as the exchange of goods between member, you can get the goods you want without spending any money.

It is also one of the ways where you can get stuff at a great price, but without the need to buy it. Try to exchange the items that are not used, but you have to be honest in order to keep your credibility well.

Thus, the less you spend money to shop, then your chances to saving will be even greater.

5. Do not just use expensive and well-known brands

Using expensive and famous brands is often the desire of most people. For the rich, this may not be a problem, because they have a lot of money. But for ordinary people, is a big mistake to use such luxury items just to prestige.

If you want to look gorgeous in front of your friends, you do not need to always use branded goods and expensive. Be yourself.

When you go shopping or buy something, the important thing is look at the price and not brand. Many brands are not popular in the community, but has a very good quality and also the same function. Try searching for stuff like that if you need it.

Obviously this will save a lot of your spending.

4 Things You Should Know To Get Your Health Insurance Claim Approved

4 Things You Should Know To Get Your Health Insurance Claim Approved

Health insurance  

So you worry if your health insurance claim rejected?

Before you go further it's better you give attention to these 4 things.

Many people get mad when their claim is rejected, because their already pay expensive premium before, and insurance company can't give claim approval with some reasons.

But I think these peoples reaction is normal, because anybody don't want if their claim is rejected, including you isn't right?

When I did evaluation to my friends claim, I was found that the documents which are submitted aren't fulfill the requirements according to the insurance policy.

The provision in the policy is the legal basis and it must be met by both policy holder and insurance company. But problem is, many insurance holder who do not read the policy properly. So, following is the important points you need to look in the policy before you claim your insurance.

1. Waiting period of your health insurance claim

Generally, health insurance have waiting period as the requirement.

Health insurance requires a waiting period (grace period). During the waiting period, the insured is not allowed to make a claim.

Usually the waiting period is 30 days or 60 days after the policy is approved. For example, the policy approved on April 1, 2017. With the 30-day waiting period, you can only claims after 30 days from the date of May 1, in that case on May 1, 2017.

So, if you or your family member are hospitalized during the waiting period, for example, on 15 May 2017 (we using the example above), then it's clear that the claim will not be accepted by the insurance company. So, make sure you understand about how long the waiting period of your health insurance.

Because of that, the sooner you apply health insurance it will be better. Because when the policy is approved, you are not immediately able to claim before the waiting period passed.

2. Some Diseases Can't Be Claimed In First Year

Not all diseases have a waiting period of 30 days or 60 days.

There are diseases that have a longer waiting period, which is 12 months.

I take an example there is a health insurance company that lists 19 specific diseases that can only be claimed by the insured after 12 months since the policy was approved.

If you claim these diseases before 1 year since the policy was approved, then your claim will be denied.

3. Make sure you're not claims pre-existing condition

Pre-existing condition is a health insurance provision that says participants already suffers a disease or condition that existed before.

The insurance company will not pay anything in case the insured had a pre-existing condition.

So, all the diseases that are suffered by the insured before a health insurance policy was approved, it will not be covered by insurance.

4 Eligibility Claims To Hospitalization

Claim application must be eligible for hospitalization.

The requirement at least fulfill the following conditions: First, the definition of hospital and clinics as determined by the insurance.

Make sure you read and meet these conditions when you need to hospitalization. Because if the hospital or clinic where you stay does not comply with prevailing regulations, the claim will be rejected. The second is the provision of what is meant by hospitalization. These provisions varies on each insurance, for example, about how many days the insured must be hospitalized so that the claim can be filed. There is insurance that requires a minimum of 2 days of hospitalization as a requirement to be able to make a claim.

But there are also other insurance that requires only 1 day of hospitalization to be able to make a claim. So make sure you understand this provision in the insurance policy.

The conclusion is how to make a claim is not rejected? Of course, you have to understand the provisions of the insurance policy, because there has stated the rules of claim payment.