Dental Insurance to Protect Your Teeth Pays
2012 April 30 by Peter
Why it Pays to Visit the Dentist
Studies have shown that more than 30% of Americans do not visit a dentist regularly.
While that may save them a few dollars, nearly 60% of these individuals are likely to have untreated tooth decay.
In addition to giving you pearly white teeth, properly caring for teeth and gums is important for a variety of health-related reasons.
For example, regular dental care can help in reducing the presence of infection-causing bacteria. Proper care of your teeth can also help to prevent tooth decay or loss, gingivitis, and plaque. An excessive buildup of plaque can cause pain and even bleeding. Left untreated, infection could potentially move into your jaw and become a very serious condition.
Similar to regular health insurance policies, dental insurance requires the payment of a premium in return for covered services.
Most dental plans typically cover annual teeth cleanings and checkups as well as certain types of X-rays.
There are two specific types of dental insurance: Continue reading »
Insurance Annuities Gain Appeal in Volatile Times
2012 April 26 by Peter
Why Annuities Are Appealing in Tough Economic and Volatile Times
The latter part of 2011 and early part of 2012 have been dominated by what investment pros call risk on/risk off, which is just another way of saying volatility.
The markets have been up and down like a roller coaster. And in this kind of environment, fixed annuities may be particularly appealing.
As you probably know, an annuity is a contract with an insurance company. It can be purchased with a lump-sum payment or on a periodic basis. Either way, the money that is invested in the annuity is guaranteed to earn a fixed rate of return throughout the so-called accumulation phase of the annuity. Later, often when you retire, the annuity pays you back.
Fixed annuities – which are often used by people who are about to retire and need help stabilizing income from their investments – can be very appealing in volatile markets. Continue reading »
Business Insurance Protects for Losses
2012 April 24 by Peter
Is Your Business Properly Insured Against a Loss?
Running a business in Orange County is stressful enough. Any kind of loss only adds to the problem. Your comprehensive insurance policy should include coverage for just such an occasion. This is called Business Income with Extra Expense coverage.
The Business Income portion of coverage will provide the amount of income you would have made had you not had a loss. The Extra Expense portion of coverage will provide a limit of insurance for new expenses due to the loss.
A typical policy in Orange County says that the amount of Business Income loss will be determined based on the net income of the business before the direct physical loss or damage occurred; the likely net income of the business if no loss or damage occurred; the operating expenses necessary to resume operations with the same quality of service that existed before the loss or damage; and other relevant sources of information. Continue reading »
Sensible Tips for a Healthier Diet and Weight Control
2012 March 26 by Peter
Tips and tricks to help you sensibly shed weight
After weeks of parties, baking, extravagant dinners and holiday-themed cocktails, many people wake up to find they’ve added a few extra pounds.
According to several studies from the last 10 years, the average adult gains at least one pound during the holiday season. A study by The New England Journal of Medicine indicates most people don’t ever shed that weight.
Following are some tips and tricks to help you sensibly shed weight:
Trade Sugary Juice and Soda for Water: Drinking water will help your body flush out toxins and can stop you from overeating. If you overindulged in seasonal cocktails, try eliminating all alcoholic beverages for a while. Continue reading »
Take the Stress Out of Invoicing
2012 March 22 by Peter
How Online Apps Can Take the Stress Out of Invoicing with your Bookkeeping
Online invoicing applications offer many features that make accounts receivable quick and hassle-free. Today’s invoicing tools are sophisticated, offering both transactional capability and intelligence, with dashboards and analytical tools that let you see where your money is coming from and where it’s going.
There are hundreds of products on the market, many targeted to the needs and budgets of small businesses and some specifically designed for certain industries or niche businesses. Most providers offer mobile device apps to complement their web-based products.
Many vendors offer free or very low-cost solutions to lure you into buying a subscription or introduce you to other products. When choosing an app, consider its capabilities, ease of use, ability to interface with other programs you use, training and support, along with cost. Following are a few of the top online invoicing apps for your bookkeeping:
Freshbooks: This is easy to use and integrates with other accounting and project management systems such as QuickBooks and Basecamp. In addition to standard features, it offers time-tracking and some other bells and whistles.
Invoices Made Easy: This is designed for small service trades, such as tax consultants, plumbers and landscapers. Standard features include an EasyMail service that sends invoices out by snail mail.
PaySimple: This targets merchants and focuses on recurring online payments, both invoices and payments, using credit card payments, e-checks, and online payment forms.
Simply Invoices: This is just what it says: simple.
Time59: This is designed specifically for attorney practices.
