What Is A Health Insurance Plan?

In simple terms, a health insurance is an assurance of an individual’s medical and surgical expenses in case of a medical emergency. This makes health insurance plans a worthy investment because they pay off the expenses sustained due to an illness, injury, or the overall care of an insured individual.

Do You Really Need Health Insurance Plans?

The present scenario of health insurance in India is grim. Roughly 70% of Indians bear health care costs as a part of out-of-pocket expenditure. And only 5% of Indians are covered by health insurance policies.

Only 30% of the country’s total health care budget is spent by the government on primary health care in India. Surprisingly, this is just a fraction of what countries like the US and the UK spend every year.

This must be taken as a wakeup call for staying prepared. When the worst time hits, you must have a way out for you and your family. The best way to prepare for medical emergencies is to opt for best and all-inclusive health insurance plans.

The healthcare cost rises every year with higher inflation rates than food or other articles. While the inflation for food and other articles rise …

Slower Than a DSL Line, but More Powerful: With Multiple Connections the T1 is a No-Brainer

Small business owners who are shopping for the best broadband service are faced with a decision that must be addressed while searching for service. There are two options to consider when making a decision. The two options are DSL or the T1 service.
The two differ because the DSL option will allow you to share your connection with others around them. Imagine the analogy of driving on a three-lane road shared by other drivers with the same intention in mind. The drawback is traffic always interrupts the speed of flow. Normally you’d travel at 65 MPH, instead you’re traveling at 25 MPH because of delays. That’s what DSL feels like, it’s fast and effective, and you’ll get to your destination. But you might be slowed down a little bit because of multiple connections.

With a T1 connection, it’s like you’re traveling on a road that has been cleared specifically for you. You’re able to travel at the speed limit of 65 MPH without any interruptions whatsoever. With the T1 connection, you’re ensured that you’ll always be able to travel at the maximum speed every time. Although with DSL it is widely advertised under false pretenses as having fast connection …

Considering a Dumberwaiter for Your Business? Here are Three things to Consider!

A restaurant or a hotel may have multiple floors through which they need to transfer food and other small items. While lifts can accommodate this goal quite nicely, it’s not always practical to have someone going up and down multiple floors for a few items or, in the case of areas that are not as well appointed as others, it may not be possible for the wait staff to go in and out of the kitchen at all. Fortunately, a commercial dumbwaiter by Lift Works is an easy solution to a space or convenience issue.

Electronic vs. Manual

There was once a time that dumbwaiters were used by the wealthy so that they could get the items that they wanted without ever having to interact with the kitchen staff. A ring of a bell could produce alcohol, food or even a book from a library on a different floor. The dumbwaiters were manual, operated by a pulley system by the staff.

A manual dumbwaiter is still an option today for those people that want to keep their dumbwaiter as authentic as possible. However, for busy kitchens and staff, an automatic, electronic version is better. Simply put, it’s like a mini-elevator …

A New Hybrid Mattress Delivers Comfort and Durability

When it is time to replace the old mattress, there are so many different choices it is hard to decide. There are traditional innerspring mattresses, memory foam mattresses, latex mattresses, air beds, and more. Each type of construction has pros and cons. One way to get the advantages of several types of mattresses in one is to consider a hybrid mattress. A new company called Tomorrow Sleep is backed by Serta Simmons Bedding and uses both memory foam and individually wrapped springs to give customers the advantages of innerspring and memory foam mattresses in one bed.

What Is This Tomorrow Sleep Mattress?

This is a hybrid mattress that is made of four layers including memory foam layers and an individually wrapped spring system. It feels more like a memory foam mattress but it has the added support of the spring system. The eco-friendly materials used for this mattress are good for the customer and good for the earth. This mattress is also hypoallergenic which makes it comfortable and healthy to sleep on. The mattress is 10 inches in height and comes in two firmness levels, medium firm and medium soft.

This is a made in America product that offers a …

What California’s Finance Lenders Law Means for MCAs

When it comes to lending, there is a tremendous imbalance in consumer lending and business lending. Consumer lending ranks at the top of the most highly regulated, while business lending is very near the bottom. There are compliance regulations for business lenders, yet the regulations for business lenders are just a fraction of what consumer lenders face.

Merchant cash advances and factoring falls even lower on that list than business loans. The companies that offer these financing products do not view them as loans. Essentially, a factoring company buys invoices at a discount, and MCA providers purchases future receivables at a discount. It is not a loan, but a sale, they tell merchants. Thus, a traditional lender extends liabilities (loans), while these alternative providers purchase assets.

There is very little regulation around factoring and merchant cash advances. There is a lot of grey area involved. So, when a bill is introduced – like the SB 1235 in the California Senate – addressing these products, the industry takes notice.

Some of the issues the SB 1235 bill addresses include:

  • It would require companies offering covered commercial financing to provide a written statement before the completion of the transaction.
  • The statement