Posts Tagged ‘conclusion’

What are some ideas for a side business that I could do during dead hours at my curent retail job?

Business Travel Insurance | Posted by admin
Jan 26 2010

I manage a small picture framing business very close to my home. I make a very small wage there (under .00 per hour) and I need to make an extra 0.00 per month in order to upgrade my family’s current health insurance plan. The hours and the location of my job are ideal. I have 2 disabled children that need a lot of my time right now to help them with their development issues. With all of the travel involved in driving them to each of their therapy, school, and treatment centers, I am unable to work a second job.

So, in conclusion I am looking for ideas for a side business that I could start and do during the 3-4 hours a day that I sit in my store waiting for customers to come in. Keep in mind; this is a convenient dead end job. There is no room for advancement so advertising for the store or bringing in more business is not going to increase my pay or benefits (declined for more $ per hr.). I am looking for ideas for side work to be done while waiting. No Quixtar please!

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Understanding GAP insurance?

Comprehensive Travel Insurance | Posted by admin
Nov 27 2009

I bout a car in 2006 with GAP insurance. I filed for bankruptcy in June 2009, and it was discharged October 2, 2009. I reaffirmed the car loan.

I was involved in an accident last week and my car is totaled. Allstate (the other drivers insurance) said that they are claiming liability for the accident (pretty obvious, he rear-ended my while I was stopped) and that since the vehicle was financed by Toyota, they will give Toyota the cash value of the car. If that is less than the payoff amount, I will have to pay the difference.

Now, here are my questions:

1. Did my GAP insurance stay in tact throughout the bankruptcy and reaffirmation? I was looking over the paperwork and the only thing that raises some concern is the following statement:

"If you default under Your retail or lease contract, We may cancel this Agreement, and any cancellation refund shall be retained by Us and will reduce the balance due on Your retail or lease contract." I’ve never received notice of a cancellation, and Toyota said that their records show that I bought GAP insurance.

2. Let’s say that my GAP insurance is no longer available and I have a balance to pay. Can I sue the other driver for the difference?

3. Kind of irrelevant, but how quickly does the process move? I’ve already bought a brand new car, but the dealership is holding the contract for me pending the conclusion of this claim. As soon as I can get a letter or something the deal is done, I will pick my new car up.

Thanks.

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What are the health “outcomes” for U.S. citizens that have insurance?

Comprehensive Travel Insurance | Posted by admin
Aug 12 2009

Frequently, people point out the following facts:

1) Almost 50 million people are uninsured in the U.S.

2) People in the U.S. pay more per capita on health care than any other nation in the world.

3) Despite #2, our society has very poor health "outcomes" when compared to nations that have some kind universal government medicine/insurance programs. These outcomes are usually stated in terms of life expectancy, infant mortality and so on.

This question is intent upon reconciling these three facts. [Note, for people inclined to dispute them, it should serve our purposes here to grant that they are true.] A common assertion is that we have a very poor health care system despite spending a great deal of money on it. However, #3 is calculated with regard to combining the entire population, insured and uninsured. Separating the outcomes with regard to insurance would inform us on whether the overall outcomes are due to poor medical delivery generally or whether the uninsured are driving down the numbers. It may be that for people in a position to pay for it, U.S. health care is world class in terms of outcomes.

Some of you will be inclined to respond to this line of thinking by arguing whether or not reform is needed and on the manner of reform. Such answers would be entirely missing the question. I don’t wish to revisit that tired debate. I am asking this question because I am legitimately interested in the answer. If you are unable to find facts to answer my question, you should discuss the implication on the wider debate. Are people really analyzing the problem at the proper level, or do they just take whatever existing data that they can find and fit it to the conclusion that they prefer?
Just some Guy:

You write about real problems that deserve debate. However, you fail to address the question. Would you care to read it over and try again?
Here is a clarification:

The average life expectancy of the entire U.S. population is about 78 while it is over 79 for nations with universal government health care. Answering my question might reveal that the life expectancy of people in the U.S. with insurance is 83 (making that up as illustration – I don’t know, which is why I’m asking).

Of course, life expectancy since birth is not conducive to separating lives between insured and uninsured (bonus consideration to answers that can say why). So we would need other statistics. Again, if data to answer my question is lacking, are we sure that we are drawing the right conclusions from the available data?

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