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Friday, January 15, 2010

Notaries Need Errors & Omissions Insurance

By Caressa Waechter

Any person who owns a business where a professional service is provided can be held liable for errors and omissions. To protect your assets you need errors & omissions insurance.

One person that should make sure that they have errors and omissions insurance is a notary public. This insurance will cover you if you make a mistake in your professional work.

Notaries are often validating signatures for multi-million dollar sales. In a world where the lawsuit is the answer to everyone's problem, a notary does not need to be held liable for services that were provided in good faith, where an honest mistake was made.

Anyone can file a lawsuit against you for any reason. The legal fees can become overwhelming. In one case a notary was sued for notarizing a document for identity thieves. The ID thieves had state issued drivers licenses with their pictures. The bank and homeowner sued the notary for errors and omissions. This insurance will cover legal charges as well as the specified amount of any losses.

Many notaries are under the mistaken impression that their employers insurance or their bond will cover them when an error or omission is made. The notary commission belongs to a person and not to the company. Therefore, you can be sued as a person and on a personal level for any mistake real or perceived, made in the performance of your duty. Some notaries have had to file personal bankruptcy due to a lawsuit.

Errors and omissions insurance will provide for necessary legal representation in any such lawsuit. In addition, they will pay the specified liability of the insurance policy.

Errors can be easily made, with no intent to defraud anyone. Even diligent notaries can be fooled by forged identities or by state issued identification cards that have been obtained under false pretenses. Do not let someone else's dishonesty ruin your personal life. - 23211

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Medicaid And Long Term Care Insurance A Perk For The Elderly US Citizens

By Carolyn Jean

Medicare and Medicaid are the two things that have been customized for those people who are below the misery line. It was made an amendment in the US in the year'65 to the social security act. The folks that were included in this were those below poverty line with kids, adults aged more than 60 five, people with incapacities, folks who are blind, pregnant ladies who are really poor, people with low income and over the top doctor's bills.

The Medicaid is normally backed by the central government and the state presidency together but almost all of the time the state government. Decides the planning and the working of the whole system. The main things this could be covering are services in the infirmary, costs for the labs, special nursing care and facilities like the treatment at the home. Sometimes even the charges for calling a doctor and various health exams for children and girls are covered in this.

Long term insurance for the hospital therapy is received by those that are blind and folk with incapacities. These folk sometimes will not be having any source of revenue excepting the supplemental security income that they are going to be getting. Previously the government didn't include the elderly, blind and those with disabilities for SSI but now they made them eligible for it and making them avail the advantage of Medicaid.

After this has been done, there was a massive rise in the amount of people who are using these services and when accounted according to the ages the old age folk have filled up a major chunk of the same. Many people are happy after the presidency. Started Medicaid for them.

After that the number of folks opting for this long-term care has increased by many folds and so did the budget allocation rise. Now the medical budget is placed 4th in all of Fed budget. All of the states also have the same thing for Medicaid where they're given a prominent position in their budget. But if this case continues after some years the govt. Won't be ready to run in sound state and might even end up in bankruptcy.

There are just 4 states that give long term care policy which include Big Apple, Connecticut, Indiana, and California. This policy will help them by exempting from spent resources. Medicaid will interpose and salvage the situation when the policy benefits have been exhausted. The real reason this policy is good as you are eligible even after you maxed out the policy benefits, you'll be able to enjoy the custody of state policy and you may still get home care facilities.

Some of the most significant things that are included in this insurance policy are that you are given 3 years of nursing care and home care for six years. Cover against inflation with five p.c, cessation care for fourteen days which is replenish-able and thirty days of additional period as grace, so you can pay your premium just in case there is some trouble.

Almost all of the time an insurance policy will help with benefits like saving your assets, giving you long term care as often as you want and wherever you want. It can be at infirmary or at home. That is why so many Americans who are old and eligible are using it extensively. - 23211

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One Way to Help Dogs Live More Years

By Tornoe Rose

Have you owned a dog for a few years now? Then you are probably quite used to taking care of it. You feed and water it daily and groom them whenever they need it. Are you wondering what you can do to insure that your dog will live longer though? Here is a method that is helping dogs to live longer.

Make sure to be careful on what your are feeding to your dog. Their food should be carefully paid attention to, so that you are providing all their nutritional needs to them. It has been recommended for a long time not to feed table scraps to dogs. This is because it can make them gain weight.

Packaged dog food is made to watch the amount of fats the dogs are getting. Also you can get dog food geared for puppies, adults, or senior dogs. Each classification is geared toward the stage of development the dog is at.

Your dog also needs water given to it daily. They have hydration needs just like we do. On the market now are watering bowls with reservoirs attached that continuously feed water into the water bowl. This is an easy way to keep water out for your dog.

Brush and groom your dog as often as recommended for the breed. You can brush your dog daily and bathe most dogs at least every other week. Some dogs will have to be bathed more often depending on how often they play outside and get dirty. Having a healthy coat is part of a dog's overall health.

Make sure your dog is getting enough doily exercise; you have a variety of activities to do with your dog that will provide the exercise. If you walk for your exercise just take your dog with you, he or she will love it. Fetching things like balls, sticks, or a Frisbee will do too; many times the dogs will run gleefully to retrieve these items. Swimming is another activity that a dog can do with you for exercise, whether it is a lake or a pool. There are various types of competitions that are regularly held for dogs to be put through their paces doing different tasks. There is now what is called dog parks, which are where dogs play with different dogs.

Make sure to take your dog to the vet for their annual checkup. A dog needs specific vaccines to prevent them from getting certain diseases as in rabies. You also need to make sure their teeth and ears are in good shape too. Without their teeth a dog has a hard time getting their nourishment. Their ears can get infected if they are not cared for properly. The vet helps you know how to take care of the special needs of your dog.

Love your dog along with following this guide and you will see that your dog lives much longer. With the dog being such a part of the family, it would be quite hurtful for you to lose it, so give it the right kind of care. This way the family can enjoy your dog for a nice, long time. - 23211

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Forex Investing, A Step By Step Process

By Bart Icles

Forex investing has three types, namely: long term, midterm, and short term investing. Long term investing is also referred to as position trading. Swing trading is to midterm investing while day trading is to short term investing.

For practiced traders, investing in forex may not be the best. Learning how to pick long term trends is the key to long term investing. If you pick the wrong trend, then you might loose a rather great amount of money in your investment account. The same judgment goes to the other two investing types. Investing in forex trading is best done by experienced traders because its not really that easy to do. One mistake could cost you big time.

However, the forex market is great for short term investing; it's where you stay in the market from hours to days. Traders sometimes stay in the market from months to years using only short term investments, but they get to the top eventually. That's why, when the short term investors get enough experience, they move up to the long term investments. It doesn't matter what trading style you're using, as long as it is an investment, it needs two eyes to watch over it, or else it might cause your downfall.

Forex investing has different methods. Making all your trading decisions your own is one way. Also, trading as a group may be a good idea. At times, the group members help each other learn how to trade rather than trading together and messing everything up. Also, you can try both. Have a group that can help you invest and place your trades on your own. Having a group that you can hang on to in the market is great fun at the beginning, because it can really help out when you are in the learning process. But you eventually will learn how to be independent of the group as experience floods your mind.

The forex Market is a serious market world wide. It's not something that you can just do for fun, it's a real job. You have to take it seriously or else the market will get back at you by getting your money. Taking it seriously is one of the major things that you have to learn, especially if you are investing. The successful people in the forex market got to where they are now by taking the market seriously. - 23211

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Car Insurance Tips

By Tom Martens

No matter where you are in the world finding insurance that is suitable to your needs is not an impossible task. In shopping for car insurance, you need to know what the policy will cover and what you can do to save on your payments and premiums.

Car insurance comes in three basic types, which are Comprehensive, Third Party, and Third Party Fire and Theft. Third Party pays for damage to other people's property if you cause the accident. Third Party Fire and Theft also covers damages caused by fires and attempted thefts. Comprehensive Cover also includes damages to your own car in an accident that is caused by you.

While Comprehensive Cover costs the most, it also provides the greatest amount of coverage. Most South Africans should probably get this kind of insurance to cover all of the risks that they face. Now how do you get this insurance at the best price? These are ten tips that can reduce the cost of your insurance. Not all of them will work for you, but at least some of them will be effective for everyone.

If you are in the market for new insurance, the first thing you need to decide is what you want in your policy. You have decide what are you looking for the policy to cover. How much of deductible do you want, and how many cars are you going to cover. And if you own money on one or all of them, make sure that you have complete coverage. The best thing to do is do some research and then compare companies. That way you can make sure you make the best decision you can for what the cost is and for what you want.

If you can afford it, raise your excess amounts to save money in the long run. Just be sure you can pay the excess when you file a claim.Each policy comes with an minimum excess amount. This is the amount you will be responsible to pay in the event you file a claim.

You may gain lower premium with yyour current insurance company by being a safe driver. Each year that passes in which you don't file a claim you may also be eligible to get better rates with another company.

High performance and expensive car models cost more to insure due to their increased risk profile and expensive replacement parts. Be sure to include your insurance premiums in your car shopping budget. Always consider your insurance costs when you're shopping for a vehicle.

Consider moving, not only for better premiums, but for your own personal safety.Your premiums will reflect that due to the increased risk of your car being stolen or hijacke,if you live in a high crime area.

Keeping your vehicle off the street at night reduces the risk that it will be stolen or damaged, therefore reducing your premium.You could get a discount if you park your car in a locked garage or behind locked gates overnight.

Most insurance companies will have minimum security requirements for the vehicles it insures. You can add security devices such as gearlocks or global tracking devices that exceed the minimum requirements and receive a discount.

The number of people you let drive your car is also a risk factor. If you keep the number of allowed drivers at a mininmum it helps the insurer calculate your risk factor better in turn lowering your premium.

Do not be timid about bargaining. Several insurance carriers have negotiable rates and will work closely with a potential customer in order to obtain new business. - 23211

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