Lowest cost, most effective coverage,bonding??
129750
Well you should definelty have GL and probably Cargo... i know the insurance we write has a $7,500 ded. for pharmaceuticals.  Also you might as well just go for the whole package policy meaning you get coverage for GL, Crime, Cargo, and property.
31587
Here's a list:\n\nShop for lower car insurance.  Raise your deductible to $500 on comp and collision (if car is financed) and to $1000 (if car is not financed).  This will lower your premium.\n\nCut out un-necessary expenses in the cable bill dept.\n\nCall up your internet provider and let them know you need a special because there are other company's tempting you to change providers.  Even if you don't have another better special, it may surprise you what offer you do receive.\n\nDrop all excess expenses related to you phone bill.  Make sure if you call a lot of long distance that you are on a flat billing plan.\n\nIf you go out to dinner, ask your spouse what is more important--saving for the trip or dining out.  If both matter, maybe going out could mean the $1.00 menu at Wendy's. \n\nEliminate any NSF fees (if you have them).  They will rob you quicker than a robber in the night.  How?  Refuse to spend money unless you have the cash.  Tell people that say that can't wait, too bad.  \n\nLimit your trips to using the car once per day.  I.E. group all errands and depart only once per day.  \n\nCut out all incidentals.  Don't just "drop" and "shop" (dropping whatever fancies you into your shopping cart) PLAN AHEAD WITH A LIST.  If you don't think of it ahead of time, don't buy it later.  \n\nBuy and install a setback thermostat.  Program it so that it only heats while you are all getting up in the morning, and then again after 4 PM when everyone's home.  (This could save you hundreds over a few months.)  You or small kids at home during the day?  Simple.  Live in one room during the day while the rest of the house remains cold.  You may need to buy a room heater (not electric) to keep the one room warm.  \n\nRun the dishwasher on the NO HEAT DRY CYCLE and load that puppy to the hilt = don't run it more than once per day.  \n\nCheck your water heater setting.  If you can manage it, turn it down to just hot enough for showering.  Then have everyone shower for a max of 6 minutes per person--no baths.\n\nChange all your light bulbs to low watt fluorescent bulbs.  Make sure that you study each bulb in several stores and find the ones that produce a high lumen for a low watt consumption type.  (Not all bulbs are the same.)  Also, buy at Home Depot the bulbs--forget Safeway type stores, they are grossly overpriced.  Wal*mart also has lower priced bulbs.  Eliminate all incandescent bulbs (this includes 60 watt standard bulbs in each bedroom, etc.  Hint:  This will actually cost you a lot of money in bulb cost, but the savings will come back to you.  It all depends on how long you burn your lights, and what type of bulbs you already use.  If you use 100 watt bulbs and each fixture has 2 - 3 bulbs, you will see a huge savings especially if the bulbs are constantly on.  If you use only 1-60 watt bulb in each room of a 2 bedroom apt, you may not realize that much and it may cost you more for the bulbs.  But over time, it will pay.  Take the expensive bulbs with you when you move, and replace them with 4/$1.00 bulbs so that owner does not charge you when you move.)\n\nClose all the blinds and keep them closed for as much as possible.  Heat is retained this way.\n\nShop at Goodwill and other 2nd hand stores.\n\nReduce the cost of the Europe Trip by buying right.  I.E. Get the best deal on airfare, hotels/hostels, etc.\n\nGet onto reduced lunches (if you qualify) for your kids (if in school).\n\nBuy cheaper detergent.  Tide is expensive.  Consider the ones that cost at Wal*mart $2.89 (check the quantity of cycles per jug and make sure you are not be ripped off by tricky marketing).  The same goes for softener. We have used both and there is not much difference, if any.\n\nGo to the Dollar Store and buy the Oxy Clean Laundry additive--for a $1.00.  It helps a lot, especially if you use the cheaper detergents.  Our whites come out great.  Also, I am continuosly amazed at how much chea
255372
I had the same business about 30 years ago, while I was in college. Its unlikely that your customers will ask about insurance and bonding for this business type. It might be better to start operating the business and if anyone ever ask for insurance and bonding, decide then if that account is worth the expense. If your business is setup as a corporation or LLC, you would be protected from most liability yourself anyway. Make sure that your contract holds the doctors office or restaurant where the aquariums are located responsible for any damages that may occur. Their employees and customers are more likely to damage the aquarium and spill the water than you are. Try to keep the business small enough to handle the accounts yourself. Having employees is where most of your business troubles will start. More help available if you need it.\n\nI recently retired from the real estate business in Central Florida after 27 years. For the past two years I have been offering free business mentoring services to young entrepreneurs. I can offer a variety of small business ideas depending on your personal interest and abilities. I will also make myself available for consultations by email or phone. I do not charge for these services.\n\nIf you want to know more, please feel free to write to Bruce at boatclub@go.com . I will help if I can.
282929
Call the number on your insurance card and ask them.  Each plan is different even if it's by the same agency.\n\nAs far as I know, most don't pay for the patch though.
189268
Go to www.ibx.com and click "Find a Health Plan."  My friend has coverage for $115/month
521283
Look online for the cheapest rates...are you calling Nationally or Internationally !!
91225
I only use 1 site to get all my insurance quotes.  It has every type of insurance there is.  Check it out.  Hope it helps!!
482932
There are a few ways to find the best affordable health insurance for low income people.\n\nYou could check in your yellow pages under "health insurance" and meet with an agent that specializes in health insurance. They can show you several plans and quotes to help you find the lowest health insurance plan that provides you with the coverage you need.\n\nAnother option would be for you to compare health insurance quotes from reputable quote providers online. That way you can compare quotes with no pressure at your convenience and see what it would cost you at different deductible amounts and with different coverages. Then, you could ask the company or an agent to help you purchase the coverage and answer your questions before you choose.\n\nTwo of the leading health insurance quote providers online are:\n\n1) InsureMe - they give you up to five free health insurance quotes from top-rated health insurers nationwide. To Request a free, no obligation quote, Go to - http://www.insureme.com/landing.aspx?Refby=613598&Type=health\n\n2) eHealthinsurance.com offers you side-by-side quote comparisons from a large network of health insurers across the country.\n\nBefore you buy make sure you understand how the Co-Pay works.\n\nAlso, review all exclusions, especially any Pre-Existing Conditions Exclusions so you know what is or is not covered by your plan.\n\nChoosing a higher deductible may save you money on your premiums, but make sure you can afford to pay the deductibles if you have frequent health problems or claims.\n\nI hope that helps. Best of luck to you.
77226
pacificare. they have a $10 copay plan
462058
I can help you here. Check out this plan: http://www.everyonebenefits.com/LMota Then, go to Contact and fill out the information needed there and we can probably find you a dentist that offers Invisalign at a highly discounted price.
37152
Different companies charge different amounts. It will also depend on how your health is, if you smoke, if you are over weight, etc. Start calling insurance agencies and ask for quotes. That is the only way to know who is going to be the cheapest.
60755
Man, I hope you have insurance. Hit up the website of your carrier and click on "directory." Good Luck.
454584
If someone depends on you financially, you should get a life insurance policy, which covers death by any cause, accident or illness.  Term insurance has never been cheaper.  Go to www.term4sale.com to get an idea of what it's going to cost.  Then, find a competent licensed agent to help you get the lowest premium from a quality company (A+ rated or better).  Applying online is OK, but you'll get better service from a licensed agent, especially if there are any difficulties with your application.
133357
Hello, if you live in California, Blue Cross has a plan called "Tonik". It covers medical, emergency visits, doctor visits, dental and vision. Rates are lower than most health plans because they only advertise this plan on the internet. You may want to check it out. Good luck.\n\nhttp://lamontinsurance.com/tonik/tonik.health.html\n\nhttp://lamontinsurance.com/tonik/tonik.chart.html
258714
May I suggest to you Ameri Plan's discount benefits program. They do not have any restrictions on ongoing conditions and you can start saving immediately. There is a hospital advocacy program that assigns you a personal advocate to negotiate with doctors on your medical bills.\n\nThe plan also includes savings on dental, vision, prescription and chiropractic care. I'd check them out. I'm so proud to be with them. I know I shouldn't advertise, but your need sounds great. Let me know if you have any questions. wlakin@ameriplan.net\n\nhttp://www.mybenefitsplus.com/40378118\n\nPlans are month to month with no contract.\n\nWe are currently running a promotion for just the dental, vision, prescription and chiropractic plan where you can try it out for 3 months for $23 total. This is a great service. You should check it out!
674422
I have AmeriPlan and it's a good program. You can save up to 80 per cent on any kind of dental work. It's a discount program, so it's better than insurance in a sense that you can use it as soon as you receive it. I wish I would have waited and joined this month, because they are doing a special where you can get it for like $3 a month for 3 months.
237921
May I suggest to you Ameri Plan's discount benefits program. They do not have any restrictions on ongoing conditions and you can start saving immediately. The plan includes savings on dental, vision, prescription and chiropractic care. I'd check them out. I'm so proud to be with them. I know I shouldn't advertise, but your need sounds great. Let me know if you have any questions. wlakin@ameriplan.net\n\nhttp://www.mybenefitsplus.com/40378118\n\nWe are currently running a promotion (ends May 31!) where you can try it out for 3 months for $23 total. This is a great service. You should check it out!