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    Career Strategies Important to Your Success
    All of us want to discover success, yet too often we move in paths that take us to the wrong destination. You can find your dream job, IF..... and that's the KEY to your success.... knowing or fixing the IF in your life.Let's think about your goal. You do have one, right? If not, then your first step must be to sit down and THINK. What's my objective? You
    s to be weighed against other types of risk management.

    This type of product creditor insurance is a great place to find some extra cash and perhaps even a place you could review using the templates in the MoneyMinding Method e-course to find out if there was an opportunity to put the money towards something more concrete, beneficial, positive.

    Check your statements - maybe you've got some opportunities you weren't even aware of, and... in the meantime - stop before you say yes!

    This article is not intended as personal financial advice. Each situation is different

    Different Ways Of Dealing With Debt
    Bills, creditors, debt collectors. Are you yearning for the days when all you had to worry about was the money in your piggy bank? If so, you are far from alone. Whether its illness, loss of a job, or simple overspending, it happens to the best of us. But that doesn’t mean your financial situation needs to go from bad to worse.Steps You Can Take To Regain Control
    I've been waiting for this call for a year or so. It's the one from a credit card company offering me insurance that will pay my minimum monthly balance if I become disabled or pay up to a certain amount of my balance if I die.

    I've been waiting for it because I remember it being very expensive but I hadn't written the details down so I wasn’t able to share it.

    Here's what I was offered: For $0.89 per $100 of average daily monthly balance the credit the insurance would pay my minimum balance if I become disabled or would pay up to $10,000 if I died. The pitch was very convincing and presented in a way that sounds like it's a great deal.

    Here's what I asked:

    1. For an example of the cost and benefit. I was told if I used my credit card for an average of $300 per month I would pay only $2.69 per month for this benefit.

    2. The person would not comment on the amount of the monthly payment I would be required to make on the $300 balance, rather he reminded me of what would happen if I couldn't make the payment. The minimum payment on a $300 balance is about $10.

    3. I asked how disabled I would have to be and how long the benefit would pay for. I was told that if I injured myself at home or at work or in an accident the benefit would be paid.

    4. I asked where I could read more and I was offered a 30 day free trial so I could review all the material and after that they would just charge my credit card.

    5. I said NO - NOT NOW - NOT EVER - Thank you very much. Why? Besides the fact that in my financial planning, I have adequate personal life, disability and critical illness insurance, I can do the math and see that my monthly cost for a very small benefit would be much more than the cost of my complete personally tailored benefits that I can know exactly under what conditions the benefit would pay - before I signed up.

    Lessons Learned? Ask for details. Do some calculations. Sleep on it if you have to. Know what you'd be getting, and why? And, consider what else you already have in place.

    Would this type of insurance ever be a good deal? Good question? I think the only time that individual product creditor plans like this one described above might make sense are when someone is otherwise completely uninsurable, and even then, the cost of the benefits still needs to be weighed against other types of risk management.

    This type of product creditor insurance is a great place to find some extra cash and perhaps even a place you could review using the templates in the MoneyMinding Method e-course to find out if there was an opportunity to put the money towards something more concrete, beneficial, positive.

    Check your statements - maybe you've got some opportunities you weren't even aware of, and... in the meantime - stop before you say yes!

    This article is not intended as personal financial advice. Each situation is different

    Unique Selling Proposition - Your Competitive Advantage!
    To capture a larger market share and be viable, sustainable and profitable, you absolutely need to differentiate or distinguish your business, products and/or services from your competitors.In other words, you need to make your business special in the eyes of your customers and/or prospects.You can do this by creating what's called an Unique Selling P
    onvincing and presented in a way that sounds like it's a great deal.

    Here's what I asked:

    1. For an example of the cost and benefit. I was told if I used my credit card for an average of $300 per month I would pay only $2.69 per month for this benefit.

    2. The person would not comment on the amount of the monthly payment I would be required to make on the $300 balance, rather he reminded me of what would happen if I couldn't make the payment. The minimum payment on a $300 balance is about $10.

    3. I asked how disabled I would have to be and how long the benefit would pay for. I was told that if I injured myself at home or at work or in an accident the benefit would be paid.

    4. I asked where I could read more and I was offered a 30 day free trial so I could review all the material and after that they would just charge my credit card.

    5. I said NO - NOT NOW - NOT EVER - Thank you very much. Why? Besides the fact that in my financial planning, I have adequate personal life, disability and critical illness insurance, I can do the math and see that my monthly cost for a very small benefit would be much more than the cost of my complete personally tailored benefits that I can know exactly under what conditions the benefit would pay - before I signed up.

    Lessons Learned? Ask for details. Do some calculations. Sleep on it if you have to. Know what you'd be getting, and why? And, consider what else you already have in place.

    Would this type of insurance ever be a good deal? Good question? I think the only time that individual product creditor plans like this one described above might make sense are when someone is otherwise completely uninsurable, and even then, the cost of the benefits still needs to be weighed against other types of risk management.

    This type of product creditor insurance is a great place to find some extra cash and perhaps even a place you could review using the templates in the MoneyMinding Method e-course to find out if there was an opportunity to put the money towards something more concrete, beneficial, positive.

    Check your statements - maybe you've got some opportunities you weren't even aware of, and... in the meantime - stop before you say yes!

    This article is not intended as personal financial advice. Each situation is different

    Delighting Customers - Three Solutions to Make the Difference
    Customer service is the holy grail of most service and product organisations. Yet there are three basics that are vital to go further - to delight your customers...The radio show I was listening to was debating the reasons for rude and offhand customer service. I had to share with them the three simple reasons for poor customer service (interestingly, they
    t would pay for. I was told that if I injured myself at home or at work or in an accident the benefit would be paid.

    4. I asked where I could read more and I was offered a 30 day free trial so I could review all the material and after that they would just charge my credit card.

    5. I said NO - NOT NOW - NOT EVER - Thank you very much. Why? Besides the fact that in my financial planning, I have adequate personal life, disability and critical illness insurance, I can do the math and see that my monthly cost for a very small benefit would be much more than the cost of my complete personally tailored benefits that I can know exactly under what conditions the benefit would pay - before I signed up.

    Lessons Learned? Ask for details. Do some calculations. Sleep on it if you have to. Know what you'd be getting, and why? And, consider what else you already have in place.

    Would this type of insurance ever be a good deal? Good question? I think the only time that individual product creditor plans like this one described above might make sense are when someone is otherwise completely uninsurable, and even then, the cost of the benefits still needs to be weighed against other types of risk management.

    This type of product creditor insurance is a great place to find some extra cash and perhaps even a place you could review using the templates in the MoneyMinding Method e-course to find out if there was an opportunity to put the money towards something more concrete, beneficial, positive.

    Check your statements - maybe you've got some opportunities you weren't even aware of, and... in the meantime - stop before you say yes!

    This article is not intended as personal financial advice. Each situation is different

    What Does Your Brand Smell Like
    Close your eyes for a moment and think of the smell of freshly baked bread – what does that wonderful warm smell remind you of? Perhaps it takes you back in time to your childhood, to Sunday mornings when you used to walk down to the corner bakery to buy a fresh loaf dusted with flour.In the same way that an everyday aroma can instantly take us to another place an
    omplete personally tailored benefits that I can know exactly under what conditions the benefit would pay - before I signed up.

    Lessons Learned? Ask for details. Do some calculations. Sleep on it if you have to. Know what you'd be getting, and why? And, consider what else you already have in place.

    Would this type of insurance ever be a good deal? Good question? I think the only time that individual product creditor plans like this one described above might make sense are when someone is otherwise completely uninsurable, and even then, the cost of the benefits still needs to be weighed against other types of risk management.

    This type of product creditor insurance is a great place to find some extra cash and perhaps even a place you could review using the templates in the MoneyMinding Method e-course to find out if there was an opportunity to put the money towards something more concrete, beneficial, positive.

    Check your statements - maybe you've got some opportunities you weren't even aware of, and... in the meantime - stop before you say yes!

    This article is not intended as personal financial advice. Each situation is different

    The Top 5 Mistakes Made in Business
    Ever wondered why so many businesses see their demise before they obtain their 5-year mark? If you’ve ever thought about starting a business, running a business, creating a business plan, or even becoming self-employed, this blog article is for you. I strive to keep an overall focus on the business world as a whole, since an important key to business success is knowing a
    s to be weighed against other types of risk management.

    This type of product creditor insurance is a great place to find some extra cash and perhaps even a place you could review using the templates in the MoneyMinding Method e-course to find out if there was an opportunity to put the money towards something more concrete, beneficial, positive.

    Check your statements - maybe you've got some opportunities you weren't even aware of, and... in the meantime - stop before you say yes!

    This article is not intended as personal financial advice. Each situation is different. Check with your personal financial advisor.

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