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First Time Home and Condominium Buyers Costs in Toronto ON

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Buying your first house or condominium can be a confusing as well as exciting experience. As a first time home buyer there are costs which you should be aware of before you sign on the dotted line of the agreement of purchase and sale. However there are also government incentives available to you as a first time home buyer. It is my hope to familiarize you with these costs and incentives on this page. To begin let's talk about costs of buying. Do I Have To Pay My Agent A Commission When you hire your own Buyers Agent this will not cost you one cent. The seller of the home you ever purchase will pay the agents commission. In fact your Buyers Agent will not only cost you any money but will more than likely save you some money if he / she is doing their job properly. Land ...

Saving on Root Canals

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Many of us have been there, sitting in the dentist chair and hearing those dreaded words: "You are going to need a root canal to save that tooth." Some may be afraid of the procedure, but if you have ever had a root canal before, you may just be afraid of the cost entailed. Root canals, and other so-called Class C dental claims are not cheap. Most dental plans cover preventative care extremely well, and sometimes pay for things such as fills something well. But many plans force you to foot a good portion of the Class C Major dental costs. A recent root canal by yours truly cost me $ 564 out of pocket, and that was after two insurance companies coordinated benefits! And I do not even have a permanent crown on the tooth yet, that cost is not included in the above figure. ...

What Is an SEP?

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What are SEPs? Do I need one? I have been getting this question a lot laTely. What is a SEP? SEP stands for Special Election Period. This is a time frame that Federal and / or State Governments allow individuals and or families to enroll into a health plan or new health plans based on what's happening with them. There are over a dozen of different SEPs to work with in the Health and Medicare insurance industry. They could be related to something as simple as moving into a new plan in area, or losing an existing or gaining a job or position, they could be related to attaining or losing a attained age. It could have been related to special dates like your birthday or having their plan cancel doing business in an already existing area. These opportunities are there to help ...

How Low Can You Go?

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The State Children's Health Insurance Program (S-CHIP) was founded in 1997 to provide health insurance for families learning too much to qualify for Medicaid, but not enough to afford private insurance. The plan covered health insurance for almost 7 million children last year. Congress recently passed a proposal to expand the program from $ 5 billion annually to $ 35 billion over a period of five years. George Bush, finding better things to do with the money than help neglected children, vetoed the bill which would have increased coverage to 4 million more children by 2012. Bush claimed the bill would "federalize" health care. No money for children, but plenty of money for wars in the Middle East. We need $ 3 billion a week for Afghanistan and Iraq. A week! Give ...

Medigap Policies – Making a Policy Switch

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If you are currently satisfied by your Medigap insurance policy, you have no reason to switch to a new plan. However, if your current policy is Plan E, H, I or J, you will need to make a switch soon even if you are happy with your coverage. This is due in June 2010, these plans will be done away with. If this describes your current situation, or if you hope to receive better coverage from your insurance, now is the time to look into switching Medigap policies. With the removal of four current plans, two additional ones will be added to the lineup, which are named Plan M and Plan N. If you have been debating about switching to a new policy for a while but have continuously put it off, now is The time to go through with it. The first step you need to take is to compare the rates y...

One Innovative Insurance Agency Marketing Strategy Secret

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Insurance Agents need a steady incoming customer base for several reasons. The most important reason is the long-term income generated from "trails" or on-going agreements from customer or the insured's renewals. Of course, it's also important to have an ever increasing customer base to deal with the slight attrition that happens as customers drop off the grid, move away or switch policies; Either to save money or because some other agent sold them on the idea to move their business away. This means that an insurance agent must be visible in their local markets and be seen and remembered. Indeed, this requires multiple imprints on the potential client's brain and then, you must be part of the scenery in their world. Grass-Roots marketing is by far the best ...

Plumbing – Filing an Insurance Claim

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Find the Problem If you can, you want out figure out where the plumbing problem is coming from. If water is flowing into the home, turn off the water before more damage occurs. If you find a leak somewhere, you also need to turn off the water. The first step is minimizing damage. If you can not handle or stop the problem on your own, you want to call an emergency plumbing company to come in and get the situation under control. Also, if there is standing water in the house, you want to make sure to either get it up with towels or try to use a shop vac. If there is too much for you to try to handle, be sure to call in a water damage company for help. File A Claim You want to call your insurance company to begin filing a claim. You will need all of your contact information as...

How to Purchase the Best Cheap Travel Insurance

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Many of the unscrupulous companies attempt to lure prospective customers with offers of astoundingly cheap travel insurance. While many affordable packages are approved by independent bodies such as ABTA, there are still regular reports from people who opt for the cheapest deals, only to discover they aren't covered for certain eventualities. Some leading experts claim some single trip travel insurance policies aren't worth the paper they're written on. The trick is to buy from a reputable company and always read the fine print.Finding Policies that Meet Your RequirementsIt is worth pointing out that some basic packages may only cover short holidays to relatively local destinations. They may be ideal for travellers who are planning on spending a few days in the Scottish Hebrides or the C...

Take a Defensive Driving Course and Save on Car Insurance

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Fortunately there are some ways for drivers to reduce the amount of money they spend to insure their rides. From discounts for being a safe driver to discounts for garage refused cars and cars with airbags, there are literally dozens of ways to save money without sacrificing the coverage you need. One of the most intriguing and effective ways to save money on your car insurance while reducing your risk of being in an accident is by enrolling in a defensive driver course. Defensive driver courses are effective Precisely because they teach drivers the skills that they will need to avoid an accident in real world situations. For many drivers, decades have passed since they first learned to drive, and it is a safe bet to say that the environment in which those older drivers first got...

IPhone Insurance – 3G – What is Needed Within a Policy?

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If I can give you guys one tip on obtaining iPhone 3G insurance in the UK, it would be DO NOT go with the high street providers. Why not? Because they have a monopoly on the market and they are more than likely to force you to pay a premium. I think we all know that the 'high street' providers are taking advantage of many uneducated consumers, since why within this article I am going to briefly touch on whats is required from your independent insurer. I am glad to let you know that identical policies can be purchased over the internet for up to 50% less than on the high street. But how do you know you are not getting ripped off? Some of the independent insurance companies may come across as a bit on the 'amateur' side. Their websites seem like they were knocked...