After a few hours of technical difficulties earlier today, Wahealthplanfinder.org is now up and running. There may be a few more glitches as additional issues are fixed, so if you're filling out an application, be sure to save your information. Also, the website will be down temporarily tonight at 8 p.m.
Eight health insurers have been approved to sell 46 different plans inside the Exchange. Remember, the Exchange is the only place you can go to receive federal tax subsidies to help lower your monthly premium - and there's only one official Exchange for our state - www.wahealthplanfinder.org.
If you earn more than the cut-off for a subsidy (about $46,000 for an individual and $94,200 for a family of four), you also can shop for insurance outside the Exchange. To see all of the plans available in your county - both inside and outside the new Exchange - check out this map.
Selasa, 01 Oktober 2013
Senin, 30 September 2013
Five things you should know about flood insurance
1) Your homeowners policy doesn't cover floods. Flood damage is not a covered peril on standard homeowners policies and most commercial policies, although many people assume that it is. That can be a costly assumption.
2) You can get an estimate of your property's flood risk online with a "one-step flood risk profile."
3) You may have to have flood coverage. Mortgage lenders often require flood coverage if a home is located in a flood-prone area (also known as a "special flood hazard area.")
4) Most people buy flood coverage through the government. Flood insurance is widely available through the National Flood Insurance Program, which is run by the Federal Emergency Management Agency, or FEMA. There are limits, however, on how much damage they'll cover. Many local agents sell NFIP policies.
5) Rates may be going up. In July 2012, Congress passed the Biggert-Waters Flood Insurance Reform Act, which will change the way the National Flood Insurance Program is run. Among those changes: premiums will increase for some policyholders. That's being done to make the program more financially stable.
2) You can get an estimate of your property's flood risk online with a "one-step flood risk profile."
3) You may have to have flood coverage. Mortgage lenders often require flood coverage if a home is located in a flood-prone area (also known as a "special flood hazard area.")
4) Most people buy flood coverage through the government. Flood insurance is widely available through the National Flood Insurance Program, which is run by the Federal Emergency Management Agency, or FEMA. There are limits, however, on how much damage they'll cover. Many local agents sell NFIP policies.
5) Rates may be going up. In July 2012, Congress passed the Biggert-Waters Flood Insurance Reform Act, which will change the way the National Flood Insurance Program is run. Among those changes: premiums will increase for some policyholders. That's being done to make the program more financially stable.
Rabu, 25 September 2013
We're looking for a communications and social media manager
Please help us spread the word - do you know a communications expert who's looking for a new challenge? We're currently recruiting for a Public Affairs Communications and Social Media Manager.
This position reports to the Deputy Commissioner for Public Affairs and manages select agency-wide public affairs strategies and communication projects. It also oversees the agency's social media efforts, represents the agency as senior writer and editor on legislatively required reports and high-profile projects for the commissioner and is primary spokesperson for news media and stakeholder groups on agency administrative, civil and criminal enforcement actions.
Here's the full job announcement. Please share with anyone you think might be interested.
We're taking applications through Oct.8.
This position reports to the Deputy Commissioner for Public Affairs and manages select agency-wide public affairs strategies and communication projects. It also oversees the agency's social media efforts, represents the agency as senior writer and editor on legislatively required reports and high-profile projects for the commissioner and is primary spokesperson for news media and stakeholder groups on agency administrative, civil and criminal enforcement actions.
Here's the full job announcement. Please share with anyone you think might be interested.
We're taking applications through Oct.8.
Dismissal for Delay at Status Hearings
The Court of Appeal has answered a question that arises fairly frequently in civil litigation: under what circumstances should an action be dismissed by the court following a status hearing?
In Faris v. Eftimovski, 2013 ONCA 360 (C.A.), the action was commenced in 2007 alleging damages from real estate transactions in 2003 and 2005. At the time of the status hearing in 2012, pleadings had not been finalized, no documentary productions had been exchanged, and no examinations for discovery had occurred. Two of the defendants had died. The status hearing judge dismissed the action, holding that there were unexplained delays in the action and there was non-compensable prejudice to the defendants since parties had died.
The Court of Appeal dismissed the appeal. Justice Tulloch distinguished between r. 24, which permits a defendant to take a deliberate procedural step to have the action dismissed, and r. 48, which allows the court to control the pace of litigation. The onus is on the plaintiff to demonstrate there was an acceptable explanation for the delay and that, if the action was allowed to proceed, the defendant would suffer no non-compensable prejudice.
There has been much discussion recently about lengthy delays in trial lists. Could the Court of Appeal be signalling an attempt to clear out cases that are slowing down the system?
In Faris v. Eftimovski, 2013 ONCA 360 (C.A.), the action was commenced in 2007 alleging damages from real estate transactions in 2003 and 2005. At the time of the status hearing in 2012, pleadings had not been finalized, no documentary productions had been exchanged, and no examinations for discovery had occurred. Two of the defendants had died. The status hearing judge dismissed the action, holding that there were unexplained delays in the action and there was non-compensable prejudice to the defendants since parties had died.
The Court of Appeal dismissed the appeal. Justice Tulloch distinguished between r. 24, which permits a defendant to take a deliberate procedural step to have the action dismissed, and r. 48, which allows the court to control the pace of litigation. The onus is on the plaintiff to demonstrate there was an acceptable explanation for the delay and that, if the action was allowed to proceed, the defendant would suffer no non-compensable prejudice.
There has been much discussion recently about lengthy delays in trial lists. Could the Court of Appeal be signalling an attempt to clear out cases that are slowing down the system?
How to contact Washington's Health Benefits Exchange
The Healthplanfinder can also help you find other people -- a broker in your local community, say, or a nearby in-person assister -- to help you through the process. Click on the link or image above to find out more.
Minggu, 22 September 2013
Financial Openings Without Warranty Alias Unsecured Personal Loans
Isn't it the trillionth article on unsecured loans? All are filled
with details - extended, exhausting. It looks like that the flood gates
have opened and innumerable loan providers are ready to offer you
unsecured personal loans. You want unsecured loan and you still haven't
found that information that makes you say - 'Yes, this is the unsecured
loan, I want.' Statistics make it more than obvious that unsecured
personal loans demand has increased rapidly over the past few years. If
so many have found the unsecured personal loan in this elaborate network
of loan borrowing, so can you.
According to statistics there has been a major increase in the unsecured personal loans as compared to other loans. According to FLA monthly statistics there has been a 21% increase in unsecured loans from the same time a year ago. Unsecured personal loans are the loans that are not secured against your assets. You don't have to place your home, your property or any other substantial possessions as security for the loan amount. An unsecured personal loan gives no guarantee to the loan lender in case of non repayment. The loan lender relies entirely on the loan borrower's ability to make repayments. Yet it will be thoroughly naïve on our part if we believe that lender won't be pursuing his money. A lender can pursue any loan through the civil procedure and which will eventually lead to your home being at risk.
Unsecured personal loans directly lead us to the subject of interest rates. Unsecured personal loans charge high rate of interest. Therefore your monthly payment on unsecured personal loans will high. Therefore take a loan amount that is realizable according to your budget. Extending loan term will most probably make your loan a financial burden. Usually, interest rate on unsecured personal loans depends on many things like your circumstances and the amount you want to borrow. This means that the 'typical' interest rate that is advertised may not be offered to you. Your credit ratings are also crucial and will be decisive when the interest rate is offered. Enough on what is the intimidating about interest rate on unsecured personal loans. Now, the good news! With so much competition in personal loans market, the interest rates offer huge variation which is anywhere between 9 to 15%.
Large loans amount for unsecured personal loans are not treated very sympathetically. For large amounts a secured personal loan is more appropriate. Under no circumstance borrow money that is more than what you need, because every loan needs to be repaid. Always make concrete repayment plans while taking a loan. Every unsecured personal loan comes with a hidden caption 'PAY BACK'.
The upside with unsecured personal loans is that the loans are approved faster. It is due to the fact that there is no collateral to be reviewed for unsecured personal loans. Unsecured personal loans can be applied for any reason like a holiday, or new car, home improvements, wedding, debt consolidation etc. financial institutions are not concerned about the use of unsecured personal loans as long as you can prove to be a good candidate in terms of payback.
Unsecured personal loan a small catalogue of what to look out for -
Unsecured personal loans rate, loan term, reputation of lender, pre payment penalties, your credit rating. An unsecured personal loan should not be settled exclusively on the basis of interest rate.
What else can you do? Research! Get written quotes from money lenders and settle on the loan lender which provides you with the lowest interest rate. Improve your credit rating. A good credit rating will enable a speedy approval of your unsecured personal loan application.
Unsecured personal loans have been known to provide speedy financial assistance to when you don't have any collateral to place for the loan claim. Unsecured personal loans are like rain when you are going through a financially parched time. Your savings are hitting a bottom low, your car is not working, your kitchen tap is dripping, you have to take a much needed break, or may be you are buying some thing through a check and need financial help to cover up for your bank account. So, do you remember the loan type? It is unsecured personal loans
According to statistics there has been a major increase in the unsecured personal loans as compared to other loans. According to FLA monthly statistics there has been a 21% increase in unsecured loans from the same time a year ago. Unsecured personal loans are the loans that are not secured against your assets. You don't have to place your home, your property or any other substantial possessions as security for the loan amount. An unsecured personal loan gives no guarantee to the loan lender in case of non repayment. The loan lender relies entirely on the loan borrower's ability to make repayments. Yet it will be thoroughly naïve on our part if we believe that lender won't be pursuing his money. A lender can pursue any loan through the civil procedure and which will eventually lead to your home being at risk.
Unsecured personal loans directly lead us to the subject of interest rates. Unsecured personal loans charge high rate of interest. Therefore your monthly payment on unsecured personal loans will high. Therefore take a loan amount that is realizable according to your budget. Extending loan term will most probably make your loan a financial burden. Usually, interest rate on unsecured personal loans depends on many things like your circumstances and the amount you want to borrow. This means that the 'typical' interest rate that is advertised may not be offered to you. Your credit ratings are also crucial and will be decisive when the interest rate is offered. Enough on what is the intimidating about interest rate on unsecured personal loans. Now, the good news! With so much competition in personal loans market, the interest rates offer huge variation which is anywhere between 9 to 15%.
Large loans amount for unsecured personal loans are not treated very sympathetically. For large amounts a secured personal loan is more appropriate. Under no circumstance borrow money that is more than what you need, because every loan needs to be repaid. Always make concrete repayment plans while taking a loan. Every unsecured personal loan comes with a hidden caption 'PAY BACK'.
The upside with unsecured personal loans is that the loans are approved faster. It is due to the fact that there is no collateral to be reviewed for unsecured personal loans. Unsecured personal loans can be applied for any reason like a holiday, or new car, home improvements, wedding, debt consolidation etc. financial institutions are not concerned about the use of unsecured personal loans as long as you can prove to be a good candidate in terms of payback.
Unsecured personal loan a small catalogue of what to look out for -
Unsecured personal loans rate, loan term, reputation of lender, pre payment penalties, your credit rating. An unsecured personal loan should not be settled exclusively on the basis of interest rate.
What else can you do? Research! Get written quotes from money lenders and settle on the loan lender which provides you with the lowest interest rate. Improve your credit rating. A good credit rating will enable a speedy approval of your unsecured personal loan application.
Unsecured personal loans have been known to provide speedy financial assistance to when you don't have any collateral to place for the loan claim. Unsecured personal loans are like rain when you are going through a financially parched time. Your savings are hitting a bottom low, your car is not working, your kitchen tap is dripping, you have to take a much needed break, or may be you are buying some thing through a check and need financial help to cover up for your bank account. So, do you remember the loan type? It is unsecured personal loans
Jumat, 20 September 2013
"I'm on Medicare Part A and B. I want to drop Part B and buy a health plan through the Exchange so that I can get a subsidy"
Don't do it.
That's worth saying again: Do Not Do This.
Here's why: Most health insurance plans have language in their policies that lets them drop anyone who is eligible for Medicare. As a result, even if you manage to sign up for the plan, the company will likely eventually figure out that you're eligible for Medicare and will drop you.
Then, if you go back onto Medicare Part B, you'll have to pay a penalty for as long as you continue to have Medicare. The penalty is 10 percent for each full 12-month period that you could have had Part B.
And that's not all. If you are Medicare-eligible and you purchase a plan offered on the Exchange, you are not eligible for an Exchange plan subsidy. (If you are on Medicare, you are already getting a subsidy, because the federal government pays far more in Medicare costs that current Medicare recipients paid into the program.)
That's worth saying again: Do Not Do This.
Here's why: Most health insurance plans have language in their policies that lets them drop anyone who is eligible for Medicare. As a result, even if you manage to sign up for the plan, the company will likely eventually figure out that you're eligible for Medicare and will drop you.
Then, if you go back onto Medicare Part B, you'll have to pay a penalty for as long as you continue to have Medicare. The penalty is 10 percent for each full 12-month period that you could have had Part B.
And that's not all. If you are Medicare-eligible and you purchase a plan offered on the Exchange, you are not eligible for an Exchange plan subsidy. (If you are on Medicare, you are already getting a subsidy, because the federal government pays far more in Medicare costs that current Medicare recipients paid into the program.)
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