Saturday, July 17, 2010

Identity Theft Statistics

Identity Theft Statistics
As you will see in the info-graph above, identity theft is the fastest growing internet crime out there

Friday, July 16, 2010

Health Insurance Blog

I hear crazy stuff from people every week about what good a health insurance blog will do.  Well the biggest reason I promote my own health insurance blog is that it gets results.  I first started blogging about 2 years ago and when I did it was because I read a get rich quick article and started a blog.

I made one post and then stopped for a long time.  It wasn't until February of this year that I picked up the health insurance blog again, and even then I wasn't sure what to write about.  I was posting on every thing under the sun, like real estate, funny videos and articles, and even politics.  Lately I've been seeing the benefit in specializing in a niche on my blog.  Hence the recent change in this website.

Health Insurance Blog
The comments I've been receiving haven't all been roses and chocolates either.  In fact, my boss isn't very thrilled that this website is doing better than the advertising she's been spending on our website that's been in development for the past 3 months.  Some say that I'm wasting my time and that there is no known value in a website of this nature.

All I'm saying is that this health insurance blog has been getting moderately good results.  I have had several folks email and call about what kind of insurance would work for them.  We chat about their situation and discuss a method or plan out which type to purchase.  It's all very simple and when we've finished I have satisfied customer and it's all because they read a very simply put health insurance blog.

On top of all that the website itself is making money.  There are a couple of well designed and modified advertisements all over this page that when clicked generate income.  I have paid nothing for this site except for time and effort and energy, I'm getting paid and I'm producing prospects that turn into clients.  Not bad for free, huh.

My health insurance blog (and I do emphasize my) is a self sustained lead generating site that is all my own.  I do not think that there is an easier better way of do that.  It is work and it has taken a while to learn but I have only been doing this for several months and I'm already seeing profits.

Monday, July 12, 2010

Types of Life Insurance

It is hard to believe that the oldest form of insurance is the least common.  Life insurance has been around for hundreds of years where as health insurance came out within the last century.  The life insurance industry hasn't really changed with all the insurance reform discussion, and the types of insurance are unaffected as well.  I will discuss the basics of the differences of life insurance rather than get into all the boring details and spare you the classroom session.

The types of insurance can vary depending on what suits your lifestyle.  If you are looking to protect a particular period of time or want the cheapest form of life insurance then term would probably suit you.  And if you think you want reliable premiums and coverage that lasts your entire life then whole life would be your best bet.  

Here are 3 types of life insurance:

Term life insurance
1.  Term life insurance- This type of life insurance coverage guarantees a certain term like 5, 10 or 20 years.  The premiums stay the same and and the end of the term you may be qualified for more coverage but the premiums would go up.  During the term, if the policy lapses there is really nothing to show for it unless you added an optional benefit rider.  This is generally the least expensive form of insurance.

2.  Whole life insurance- This type of life insurance guarantees a death benefit for an entire life.  The premiums are set but are higher than term insurance.  This type of insurance also creates a cash value that the policy holder has access to and may take out loans if he/she likes.  Whole life is also known as permanent life insurance because can last for the policy holder's entire life.

3.  Universal life insurance- This type of life insurance is kind of a hybrid between the two.  It is a type of permanent life insurance based on a cash value. That is, the policy is established with the insurer where premium payments above the cost of insurance are credited to the cash value.  Payments are not needed every month however, the cash value could run out so it should be monitored as the policy ages.  There is also a variable universal life insurance which uses the stock market and can get very complicated.  Please see your life insurance professional for details.

And these are the 3 types of life insurance that you should be familiar with.  There are other types but most of them play off the three basic types that I mentioned here.  If you are interested in any of the insurance plans mentioned feel free to contact a life insurance professional for more information.

Tuesday, July 6, 2010

Small Business Tax Credit

One of the latest efforts to come out of the Health Care Reform Bill is the small business tax credit section.  What they have managed to do here is create a great incentive for businesses and give more motivation to allow employees an affordable health plan.

If you are a business owner and have less than 26 employees, and they average less than $50,000 annually, and the employer contributes 50% or more then your company is eligible for a small business tax credit up to 35%.  

This is one of the more highlighted features to come out of the health reform bill to date.  What the health department is trying to create here is a system of small businesses that can provide quality health coverage to its employees.  At first many business owners were complaining that insurance was just too expensive, but this small business tax credit really lightens the burden most owners face.

The small business tax credit is good for tax years 2010-2013, and the credit percentage is on the amount of the premiums the employer pays for its employees.  Now is the time to speak with your health professional to learn more about this great incentive.  You may contact the link here for more information.
small business tax credit

Friday, July 2, 2010

New Blog Facelift

I have been working very hard these past couple of days on a new website, and as of yesterday I am officially re-licensed as a Real Estate agent.  So the new website will be geared towards Real Estate and this website is going to be my Health and Life insurance site.  So I am in the process updating both sites accordingly.

The new site is

Thursday, July 1, 2010

Tonight I felt something different

Tonight I felt something different.  I felt a weight break off.  I think I felt God.  I know He has always been there.  Knocking.  Tapping, just doing what he can to get my attention.  "I see you God, I just have to do this real quick, I'll be right back I promise". 

I hardly ever came back.  I was usually too busy, or so I told myself.  God would wait patiently, knocking.  But tonight I gave him my attention and the shame fell away.  The sin was forgiven, I felt it... passion.  It has been a re-occuring theme these past couple of days and it has been missing.  I kept telling Elizabeth, something is off.  I feel like something spiritual is attacking us.  I prayed a running prayer, you know one of those, "God this is inconvenient for me do something" prayers. Something was definitely side tracking us.

Elizabeth told me today she wanted to go to Fuel.  In my mind it sounded like we should go but immediately all of the excuses came as to why we shouldn't.  I was tired, we had a busy day tomorrow, its so far out of the way.  Its funny how little things become big things right before God does something big.

When we got there, I just had a good feeling, like God was going to meet us.  Normally I feel like Fuel isn't for me because its designed for the teenagers.  But tonight I put that behind me asked God to meet me.  He did.

Fuel had just got back from Forward conference and I knew they were going to be amped up on that trip.  I wanted what they had.  I craved it, and could smell a sense of purpose.  God was tapping and all the while I was slowly turning towards Him.  Giving Him my attention now.  Responding.  Here I am Lord.  I felt His passion, not just for myself but for all those kids in the room with me.  They need Him.  They want Him.  And there are many out there who don't know Him.  I know Him and how thankful I am that I do.

God you have given me a family that knows you and I know there are people out there who are not as fortunate.  I am available if you want to use me to help them though I don't know how to help.