May 2012

What Is Cyber Liability Business Insurance?

Very few businesses these days get by through word of mouth or paper advertising – most will have a website or be cited in various online sites (such as general advertising-listing sites or comparison sites). Many businesses also carry out much of their work online, creating and sending often sensitive data via email.

Whilst it is advantageous to use technology so effectively, there are risks associated with conducting work over the web. This is where cyber liability insurance comes into its own.

The Benefits Of Health Savings Accounts

by Hank Coleman

A health savings account (HSA) is a tax deferred medical savings account available to individuals currently enrolled in a high deductible health insurance plan. There are many benefits of health savings accounts that you can take advantage of. The money contributed to the account is deposited pre-tax, and can be withdrawn tax free if used for qualified medical expenses. Withdrawals for non-medical related expenses are taxed very similar to an IRA, in that they can be withdrawn after a certain age without penalty.

Main Benefits Of Health Savings Accounts

Health Savings Accounts are becoming popular because they offer several benefits to both consumers and employers. For employers, HSAs are viewed as less expensive plans because they are linked to high deductible policies, and since employees have to share more costs, they are less likely to use medical services they do not need.

For the employee, there are significant savings that can be had by using this type of health insurance. First, if you are relatively healthy and do not typically use much medical care, these plans have low up-front costs compared to other health insurance plans. Furthermore, employers still generally cover things like physicals by depositing a set amount each year into the HSA on behalf of the employee to cover these types of care.

How A $2 iPhone Covers Can Bring Back Your Youth

by Hank Coleman

What if you can get a flash from the past? What if you can recapture your youth for as little as $2? That’s what these iPhone covers did for me. I recently saw a few of these on J. Money’s Pinterest page. There are some really cool things on that site. You can check out a few of my favorite things as well on my Pinterest page. Follow me on Pinterest! In the meantime, below are several of the coolest iPhone covers that I found.

Cassette Tape

This case keeps your iPhone 4 safe and protected in style. Snap-on case is designed to offer all-around external surface protection to your phone without compromising usability. Provides easy access to all functions without having to remove the case.

Leather Book iPhone Cover

Wallets and phones go hand in hand. You rarely leave home without the two of them. Now you can carry both in one BookBook made exclusively for iPhone 4. This little book has a convenient ID window and slots for your debit/credit cards, reward cards and cash. Instead of grabbing your wallet, phone and keys when you walk out the door, simply grab BookBook and your keys.

Nintendo Gameboy

What Is Gap Insurance on Your Car and Why You Need It

by Hank Coleman

What is gap insurance? And, do you need it? Gap insurance is a type of car insurance policy that is designed to cover the gap between what the value of your car actually is, and what you owe on the vehicle, in cases where the vehicle is totaled in an accident. Depending on the type of car insurance you have, the insurance company may not cover the full value of the loan in certain cases. This is where gap insurance comes into play. How Gap Insurance Works Gap insurance is designed to help those who put low down payments on a car, or for other reasons, do not have a lot of equity in the vehicle. In cases where the … Read more