Saturday, January 30, 2010

How To Compare Low Cost Health Insurance In West Virginia

For more than 50% of all West Virginia households the idea of low cost health insurance is something of a misnomer, because at least half of all West Virginia households report that paying for health insurance is something of a misnomer, because at least half of all West Virginia families can't afford any health insurance at all.

Hopefully this article will shed some light on ways that almost every family in West Virginia can compare and find low cost health insurance without breaking the family budget.

It should come as no surprise that health care costs less for healthy people. One way to save money on health care and to see the doctor less frequently is to eat right and to get plenty of sleep and exercise. Eating right means giving up fast food and fried food - except in very limited quantities. Exercise doesn't have to mean buying the latest infomercial fad - exercise can mean walking briskly around the block or joining a walking group that walks in the mall every morning. Exercise can mean riding your bike to do errands around town and leaving your car at home.

It should also come as no surprise that smoking and using any form of tobacco is not only bad for your health but it will also cost you considerably more in health insurance costs. If you are sincere about comparing and finding truly low-cost health insurance then you can't continue to smoke.

It also means you may have to lose weight. Your BMI (Body Mass Index) is one way health insurance companies determine your monthly insurance premium. The lower your BMI the less you are going to pay. Losing even a few pounds could - hopefully - drop you a notch on your insurance company 's BMI meter and if that happens you could save hundreds of dollars each year.

Find group health insurance. Group health insurance may be less picky about your weight and smoking habits and group health insurance is almost always cheaper than individual health insurance. If your place of employment doesn't offer low-cost group health insurance try asking at any clubs, organizations or associations that you belong to - if that fails ask friend and family if any groups or clubs they belong to offer members group health insurance . If so - join!

Joining an HMO or a PPO can save you a considerable amount over buying health insurance as an individual, but be prepared for the possibility that you may have to give up your favorite doctor - unless your doctor happens to be a member of the HMO or PPO you want to join.

Don't take part in extreme or dangerous sports. Also, if you drive a fast sports car, it may be time to sell it - at least it is if you are serious about finding affordable health care.

Pay your premiums automatically out of your checking account. If your insurance company doesn't have to prepare a bill for you every month they'll pass the savings in to you.

If you are self employed or have a home-based business ask your tax advisor if all or a portion of your health insurance premiums can be tax deductible. A tax savings could make your health insurance a whole lot more affordable.

Buy your drugs over the internet. You might be surprised at the savings you can realize on most drugs if you purchase them over the internet.

Increase your deductible. Obviously you can only do this is your budget will allow it, but increasing your deductible is probably the fastest and most sure way of lowering your cost of health insurance.

Buy your health insurance over the internet. There are literally dozens of websites that encourage you to compare prices on health insurance between different insurance companies. Just don't make the mistake of thinking that you only have to make your comparisons on just one site.

This way you can be sure that your "comparisons" actually have a value for you. If you're serious then be prepared to make comparisons on at least 3 different websites and also be certain that you input the exact same answers in the forms on all three sites you've chosen.

This is how anyone can become an expert and compare low cost health insurance in West Virginia and find the very best and lowest price for health insurance possible. Once you've finished all of your results and choosing the best price you can find.

Friday, January 29, 2010

Where To Find Foreclosure Auctions

If you are, you may be looking in the wrong place. Are you looking to buy a new home?

Foreclosure properties are often considered a great buy, as they are easy to find and affordable. Instead of visiting the online websites of realtors or flipping through their brochures, place your focus on foreclosure properties.

One of the most popular ways that foreclosures are bought and sold is at an auction. This auction typically takes place at a county, town, or village government office, such as the clerk 's department. As for how you can find these foreclosure auctions, they are often advertised in local newspapers. You can also search local records, as foreclosures are public notice.

One of the few downsides to buying a home at a foreclosure auction is the inspection, as you aren't typically granted one. Most bidders are bidding on the home as-is. As-is isn't so bad, but it may be if you haven't seen the property.

With that said, since foreclosures are public notice, you should be able to get the address of the property in question. You will want to drive by. Although you should not judge a book by its cover, a drive by can give you an idea of what to expect. When you have doubts, it may be best to move on and target other auctions.

If you decide to attend a foreclosure auction, the last thing you want to do is just show up. That is unless you are scouting to see how an auction works. When you are serious about purchasing a foreclosed property at an auction, you need to be prepared.

This preparation involves having financing lined up. Many will require that you either have the money on hand or show proof that you do have the financial resources needed to follow through with the sale. Contingency loans are generally prohibited. Check deposits are sometimes required before you can even place a bid.

After this point has passed, you can start the eviction process if the current occupants do not leave voluntarily. This is where they can still fight to keep their home. Many states give current occupants a redemption period or a grace period.

In fact, it is likely that you will be unable to do so. If you are the winner bidder, it is important to know that you may not be able to move into your new home right away. For bids that are not sealed, the auctioneer will start with a figure, often around $1,000 or less and the bidding will continue on. Once everyone has placed a bid, the highest bidder will be announced.

It is not uncommon for bids to be sealed. As for the auction itself, it depends.

This knowledge is important, as many fellow bidders will be investors looking to turn a profit, not buy their first home. If you are unfamiliar with the buying and selling of real estate, foreclosures, or auctions, you can learn a lot. You should be allowed to do so.

As it was previously stated, you may want to attend a foreclosure auction and just sit on the sidelines.

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