Posted by Gabriella Hopkins | November 11, 2011

Including evangelical Christians in U.S. foreign aid discussion

“Washington is in an era of budget-cutting, so we frequently hear calls to shrink or eliminate U.S. foreign-assistance programs,” which is why “several religious groups … are highlighting how these programs reduce global poverty and hunger, saving millions of lives,” Richard Stearns, president of World Vision USA, writes in a Wall Street Journal opinion piece. However, he says “evangelical Christians [are] largely absent from this religious coalition” and notes that “a Pew survey earlier this year found that 56 percent of evangelicals think ‘aid to the world’s poor’ should be the first thing cut from the federal budget.”

“Americans should understand that foreign aid strengthens democracy” and saves lives, Stearns writes, noting the successes of PEPFAR, the President’s Malaria Initiative, and Feed the Future. He continues, “One objection that I often hear from evangelicals is that while aid is good, it is not the government’s job. Yes, individuals and churches play a vital role in aid and development. But governments play a unique and vital role that private organizations cannot” because of smaller budgets. Stearns concludes, “We cannot let others suffer simply because times are tough in the U.S. All Americans must understand the urgency of the human need and the effectiveness of our government’s aid programs” .

    This article was reprinted from kaiserhealthnews.org with permission from the Henry J.

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    Posted by Admin | November 09, 2011

    How to Find a Good Loan Provider

    Loan providers are not only found on their brick and mortar offices but over the Web as well. The good thing about ‘shopping’ for the right loan or financing company online is that you can go to as many companies as you can without leaving the comfort of your home thus letting you save money on gas, time and effort. Whatever kind of loan you consider applying for, be sure that you understand the policies and the rate rules. It would also be better if you can talk to an agent or a representative to make sure that each and every aspect of your loan is clear.

    Loans serve for different purposes. There are some loans that are intended to repay debts incurred. There are also some forms of loans that are used for business like the farm equipment loans. Tractors are one of the costliest equipments in a farm but good news to farm owners for they can get it through financing companies.

    Besides equipment loans, there are also what is known as the installment loans. This type of loan is usually used to finance a car or mortgage something. An installment loan has a maturity date which and calks for a fixed monthly installment pay. The most common maturity date on this type of loan is around thirty years.

    There had been some cases when a person is unable to repay after few months or years so be sure to evaluate your capability of repaying. If Read more…

    Posted by Victoria Milson | November 09, 2011

    Signing on to International Student Insurance

    International student health insurance is a much-debated topic. While it is important to be insured against the fallout of illnesses for a student, it is also the time for scrimping, and students are loath to spend money on health insurance, which they might see as an unnecessary expense. This is especially true of international students, whose finances suddenly seem to shrink due to the vagaries of currency exchange.

    Add to this the confusion and adjustment issues in a new country, and it is indeed a stressful time for the international student. Most of them just sign up for the college-sponsored international student insurance plan without examining other options. That is unfortunate, as they might have saved some dollars if they had waited and looked elsewhere.

    Before signing on to a health insurance plan, students can check for any requirements that the college has for outside health insurance. After taking a look at the details of the plan offered by the school/college, a student can always check online for plans that satisfy the criteria. When time and clarity are of the essence, students can use comparison sites to examine the pros and cons of each student health insurance plan offered.

    Once a student decides to purchase a plan, some schools require the insurer to fax them the details of the student’s insurance. A

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    Posted by Mikayla Stevenson | November 09, 2011

    10 Ways to Save Money on Your Home Insurance

    Here are 10 top tips to help you lower your home insurance premium. Keep your house protected without paying outrageous home insurance premiums.

    With the everyday cost of living going up and a continually bleak economic situation, everyone is trying to save money at the moment. One of the biggest monthly costs the average person faces is utility bills, and for homeowners, this includes home insurance.

    If you own a property, then you will need to cover it with home insurance or property insurance, and this can cost a lot. However, there are many ways in which you can quickly and easily lower your home insurance premium. Check out these 10 tips for saving money on your home insurance.

    1. Install a burglar alarm. It is obvious and simple, yet many homes do not have any kind of alarm security. You will find that by simply installing a burglar alarm, your home insurance and contents insurance premiums will both go down. Whats more, the one-off cost of installation is definitely covered by the long-term savings.
    2. Get other insurance as well. If you need car insurance, contents insurance, holiday home insurance or pet insurance, why not get them all with the same provider as your home insurance? By getting them all with the same company, you are more than likely to get a reduced rate or a big discount.
    3. Shop around. Dont just stick to the same provider youve always used.

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    Posted by Admin | November 07, 2011

    Steps for Getting and Comparing Car Insurance Quotes Online

    Getting and comparing car insurance quotes is probably the best way to make sure that you would be able to get the best deal on a car insurance policy. This is because with the numerous car insurance options that are available in the market today, it would help if you can get some information and estimates for the policies you are interested in to compare them first before making a decision. If you want to make sure that you would be able to get an affordable car insurance policy which comes with sufficient coverage, here are the steps on how to get and compare quotes for car insurance plans that you can follow.

    The first thing you need to do would be to prepare all of your personal information and any documents about your car and your current car insurance policy, if you have one. This is necessary so that you would already have all of the details that the insurance company may ask from you before they are able to provide you with quotes for the policies you are interested in.

    You should then visit the websites of the most reputable and established car insurance companies you are interested to get a policy from. Check if they offer free and instant quotes. Most of the best car insurance companies are already able to offer online quote calculators in an effort to help out potential policyholders in making a decision so you should be able to find plenty of companies that can give you estimates. Read more…

    Posted by Mikayla Stevenson | November 04, 2011

    IPO’s Over: So Now Should You Invest in Groupon?

    Rake the leaves. Watch No. 1-ranked LSU play No. 2 Alabama in college football. Do anything this weekend to catch your breath from Groupon’s IPO release on Thursday and its first day of trading Friday.

    Then think. Think if you really want to take the plunge on Groupon (GRPN) when the market opens on Monday. Think if you can stomach buying shares in a Wall Street rookie that has lost hundreds of millions of dollars over the last three years.

    It was easy to get caught up in the Groupon hoopla this week. Many did. The deal-packager sold 35 million shares at $20 a pop to amass $700 million in Thursday’s IPO. Shares climbed in regular trading Friday to $31.14, before settling at a still-impressive $26.11 at the closing bell.

    As you take your hard-earned 48 hours to decompress, offers a few expert opinions on whether to place your hard-earned money in Groupon. Think them over. Think over.

    One prominent broker who asked not to be identified told us Friday he wouldn’t touch the stock with a 10-foot pole. “There’s way too much volatility in this market right now to be playing with a social media IPO,” he said. “Let it calm down for the next few days. It’s not Facebook. It’s just not there.”

    The broker predicted the stock would sink back to its $20 IPO price within 90 days — perhaps something to think about over several weekends.

    In a swipe at Groupon boss Andrew Mason, the broker added, “There’s a lot of other cheaper stocks. Read more…

    Posted by Gabriella Hopkins | November 03, 2011

    Roseman: Why our accident benefits system may be the worst

    A police officer photographs the wreckage of a collision at the corner of Bellamy Rd. and Brimorton Dr. in Scarborough  in this  2008 file photo.

    In just one second, your life can be turned upside down by a motor vehicle accident.

    Whether you’re driving, cycling or walking, you’re a heartbeat away from a serious injury and a fight with an insurer to cover your medical treatments.

    You probably don’t realize how little you get in statutory accident benefits under your auto insurance policy.

    Ontario has a $1 million limit on medical and rehabilitation claims for those with catastrophic injuries. But they make up only one per cent of the 65,000 Ontarians injured in car accidents each year.

    Almost 20 per cent of accident victims have severe noncatastrophic injuries. Their benefits are capped at $50,000, down from $100,000 before the reforms came in.

    The remaining 80 per cent of accident victims with so-called minor injuries — such as whiplash, strains and sprains — get only $3,500 in medical benefits (down from $100,000 before).

    Ontario’s car insurance reforms, forcing you to pay more for less coverage, didn’t become a high-profile issue in the last election. That’s a shame.

    In a column on Oct. 5, I said the Ontario government had betrayed the trust of motorists and failed to protect them from inflated insurance costs. This drew widespr

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    Posted by Admin | November 01, 2011

    Affordable Student Health Insurance

    If you are a student, oftentimes it means that you would probably have to stop spending money indiscriminately. That is unless you are lucky enough to have the means to a grand lifestyle. However, one thing which you definitely need to consider is getting student health insurance. Your health is still an important part of you and unfortunately, youth matters little when you are stricken with illnesses. That is why it is imperative that you should look into student health insurance. The good news is that it is not improbable for you to get affordable student health cover.

    One of the things you need to remember is that insurance companies want to help people like you to safeguard their health. As such, they will ensure that their student health insurance policies are affordable enough so that students will purchase such policies from them. That is why you can rest assured that you will be able to find good student health insurance which also fits your budget. All you need to do is scout around and find out more information.

    The Internet would be your best friend when it comes to this. If you are still a student, chances are you are savvy when it comes to computers and the Net. As such, it is not difficult to locate insurance comparison sites which will do all the work for you. Read more…

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