Bad Credit Consolidation Loans: How To Find A Lending Company

Some of us have incurred several debts over a period of time and find them difficult to re-pay. Well, getting bad credit consolidation loans is an excellent solution around this. There has been an increase in popularity with consolidation loans over the past few years and there is a surprisingly large number of lending institutions ready to offer a helping hand. The types of consolidation loans on offer are vast and flexible to each client.

Normally, the best way to pay off multiple debts is to find another loan with a lower interest rate. This effectively means that the balance of your debts will decrease while only a single lump sum will be due each month. It is not easy to find such loans, but with the proper research of the lending institutions in your locality, you can get one that will offer you very good rates.

It is important to find out if you can get a personal loan with your employer or a credit union. Most employers are willing to give their employees a total sum of the debts they owe as a lump sum loan. Typically, the interest rates charged are much less, but it is good to consult with the appropriate persons involved in order to get constructive feedback.

Most credit unions are willing to give loans for bad credit if your paycheck is set to pay it directly. Therefore, be on the look out for such loans as they can assist you to pay off those debts with high interest rates. They not only clear up your debts but they clear them quickly.

Several credit unions and banks are willing to offer loans off your car. This deal also includes those with bad credit since if you own a car, it can be a very good way of clearing up your debts. But ensure that you keep your car safe and properly maintained, and it is wise to consider the year model because some banks can turn down a loan request if the car model is too old.

Therefore, the older the car, the more interest you will pay since compare your existing debts with this kind of loan before allowing the bank to verify ownership and appraise the car.

It is also good to take a closer look at your home before going to apply for a loan. This is because home equity can get you a better, lower interest consolidation loan. Depending on the size of your equity, you can take out a loan that lasts as long as thirty years and this would be the most effective way of clearing all your bad credit. But with the housing and property market slump, this has become a diminishing source of loans.

Thus, with the several methods of clinching bad credit consolidation loans, it is wise for you to do comprehensive research to find the best rates available. Scout the internet because most reputed lending institutions have a web presence. Remember that debt consolidation does not actually lower the total amount of debt, it only changes the circumstances required to pay it since making life a bit easier.



Source by Susan Westbrook

7 Ways to Save on California Health Insurance

Health insurance premiums are at a all time high they are going up at a rate of approximately 15 percent each year. So there has to be a way to keep your promotions at a level that is affordable I am going to explain to you how. California has 7 companies that compete for your business and as of the date of this publication there are a lot of new plans out there that are saving people 30 to 50 percent off their health insurance premiums each month I am going to give you some tips on how to do that today.

# 1 Hire a Health Insurance Agent (Health Benefits Specialist)

There are a lot of people that sell health insurance but are not health benefits specialist that maybe your auto insurance agent that happens to sell health insurance but only shows one company make sure you hire an agent that represents a variety of companies. Whether you purchase your policy from an agent or straight from the health company itself the price of your insurance will be same they are regulated by each states insurance commissioner. Therefore by hiring an agent you are going to get an unbiased opinion of all the plans available to you in the state of California as opposed to just the carrier telling you why they are greatest and the best. I work for my clients and not the insurance companies I find my clients the best plan for their needs and budget.

# 2. Switch to a Health Savings Account (HSA) Plan

HSAs are becoming one of the most popular health insurance plans in California. The concept is simple; you pay for expenses below the deductible at a discounted rate and the carrier pays for everything after the deductible. Most HSA plans cover preventative care as a first dollar benefit which means that your deductible is waived. The savings are significant they are typically 50% less expensive then traditional plans. How much could save?

Family Traditional Plan $ 550 dollars a month for a family of four

HSA Plan – $ 250 dollars a month for a family of four

Savings of $ 3600 dollars a year

# 3 Choose A Higher Deductible

Most people while choosing a plan opt for the lowest deductible possible, however, you are paying for that low deductible in the way of higher premiums and coming out ahead in the end. Choosing a plan with a higher deductible can save the average family $ 1,500 or more. How much can you save?

Family Plan with a 500 deductible – $ 680

Family Plan with a 2,500 deductible – $ 315

Savings – $ 4,380

# 4 Ditch The Co-Pays

Yes, you only pay $ 25 when you see a doctor but the question is how much are those co-pays actually costing? There are many plans now on the market with no co-pays, however all doctor visits are still covered. You simply pay the network discounted rate, which is usually only $ 15 to $ 25 more than the co-pay. How much can you save? Here's an example:

Family Plan with Co-pays- $ 425

Family Plan without Co-pays- $ 290

Savings- $ 1,620 a year!

# 5 Shop and Compare

There are at least seven (7) major health insurance companies in California each offering 12 plans or more on average. That's over 84 plans on the market. Well to be perfectly honest there are over 250 plans to choose from in California so you have a great selection of plans. It is a big mistake to think that similar plans have similar price. One carrier could charge $ 500 per month for a PPO plan with a $ 1,000 deductible. Another carrier could charge $ 350 for the same exact plan. So make sure you compare carriers.

# 6 Annual Policy Review

Every year many carriers come out with new plans with lower rates. When you choose a new plan you are typically getting the lowest rates in the market and can save 30% to 60% off your current promotions.

# 7 Look at plans with generic only prescription drug coverage

You can typically save 20 percent or more on your health insurance premiums by only getting health plans that have generic prescription drugs costs. So if you are healthy individual looking for coverage not on any medication this could be an alternative for you. More and more drugs now have a generic alternative so another suggestion to save money is to ask your doctor if they have a generic version of the drug you are on.

I hope you have come away learning something you did not already on how to keep your health insurance premiums lower in the state of California.



Source by Marc Hart

Car Rental in Girona – Make a Memorable Trip to Girona

Every place in this world proud for its dramatic history! Girona is also one of them. Girona is one of the most attractive city of Spain. Basically the Catalonia people use to leave year for a reasonable time period. The first population of the area was the Iberians, after them Roman came in and built a fortification there and named it as Gerunda. Girona is the land where many culture have developed and vanished but lastly it was controlled by the Roman Empire. In the 12th century the Jewish society flourished in the Girona. After all it's a rich heritage site full of remarkable culture and beautiful places.

The city is it self like a perfect traveling place, where many top class hotels, restaurants, bars and the market attracts many travelers that are here to enjoy their holiday. Many beautiful beaches and the natural beauty are making special space in traveler hearts. It's the oldest town located on the east bank of the river, with narrow streets surrounding by the old city walls. But the newer town is situated at the middle of west bank that has wide streets and many well designed hotels and cheaper restaurants. In case of old town and new town both have crossed the river and are extremely pedestrianized. The beautiful beaches are getting filled with people especially in August and the city is becoming very quiet on the Saturdays and Sundays.

If you are planning for a trip to Girona, the weather can not become a matter of concern for you because the weather of the city is very friendly and suitable for everyone. Girona also makes a unique spot on the world tourist maps. The people of the city are helpful and friendly in nature. If you are facing any type of problem in the time of traveling, the locals can guide you a lot about the location and the best attraction of their city.

If you are moving for the first time to Girona, than it's always better for you to search the Girona map on the Internet! The Internet informs you about the best spots of the city. Girona is located north of Barcelona and you can easily reached by bus, train and cars. The airport is located on the AP-7 highways, where you can easily hire a car in rental to Girona. There are many traveling companies providing their new customer cheaper price to attract more and more tourists. If you are making the trip for the first time, then never take the matter so seriously because there are many car drivers and the service provider that can guide you about the roots and best spots of the Girona. So it's always better for you to hire a car on rental basis to make your trip comfortable.



Source by Daniel Mathews

Definitions Of The Most Common Medicare Terms

There are a number of Medicare terms that everyone should know if they are policy holders or are about to be. We have listed the more common ones below.

Appeal – a formal complaint that an individual files if certain drugs and services are not covered by their particular Medicare plan when they feel that they should be.

Co-pay – the portion of any medical services and / or prescription medications that you are responsible for paying.

Deductible – the amount of money that must be paid by the insured for medical care before Medicare covers any such expenses.

Doug dungeon hole – the coverage gap found in some Medicare drug plans (scheduled to close in 2020).

Dual eligibility – refers to being eligible for both Medicaid and Medicare.

Enrollment period – the limited time period that an individual can enroll in a health care plan or switch to a different one.

Grievance – a formal complaint made to Medicare when your health care plan or the person administrating medical treatment to you has treated you improperly or poorly.

Home health care – short-term care provided while you are recovering at home from an illness or injury. Occasional part-time skilled care as well as some medical equipment, services, and supplies are included in a home health care plan.

Hospice care – care administrated to those individuals with a terminal illness or medical condition (covered in Part A). Counseling and physical care are included.

Long-term care – Medicare does not cover ungoing health or personal care that an assisted living facility or a nursing home would provide.

Medicaid – federal and state programs that are separate from Medicare. This assists those individuals with limited assets and low incomes to pay for their medical expenses.

Medicare Advantage – alternative health care for Parts A and B that are provided by a private insurance carrier.

Medicare Part A – pays for hospitice care, hospital stays, and some home health care.

Medicare Part B – pays for lab tests, medical equipment, physician visits, and some medical services.

Medicare Part D – coverage that is provided for some brand name and generic medicines.

Medigap – private insurance that covers the gaps in Part A and Part B coverage. It is also sometimes referred to as Medicare Supplemental Insurance.

Out-of-pocket expenses – those expenses that you are responsible for and are not covered by Medicare insurance.

Premiums – payments for health care coverage that is usually made on a monthly basis.

Skilled nursing care – medical care provided by licensed LPN's (Licensed Practical Nurses) or RN's (Registered Nurses).

For more information, the entire Medicare glossary is available online at the US Government Site for Medicare.



Source by B. Loughead