Below are the 5 most recent journal entries recorded in jasmina's InsaneJournal:

Saturday, January 1st, 2011
1:16 pm	Is Short Term Car Insurance Necessary or Not? One fine morning you realize that you car has broken down and you cannot use it. You have to get to work but cannot use public transport. You look to borrow a car from your neighbor and realize you are not covered under their insurance. You certainly have a problem on your hands. You have a car available to you but cannot use it for lack of insurance. You think about driving away hoping no harm could come to you far the day. However you know it is not the right thing to do. You must have short term car insurance for the day. What are you going to do now? Leave it Many people facing such problems in everyday lives tend to ignore this small aspect thinking no harm would come their way. However do they realize that any harm does not send an invitation before arriving? If they did, they would not be thinking in this manner. Facts however show that most people do just what has been mentioned and drive away without short term car insurance. People lending their vehicles too tend to ignore this requirement fearing that they may offend a good neighbor. That puts the two of them into the same spot. An accident by the borrower of the car without insurance will make the owner of the car responsible for any damages that may occur. Medical Insurance quotes Medical Insurance for students (Comment on this)
Tuesday, October 5th, 2010
1:26 pm	Why Discount Health Insurance Plans are Scams? There are a few scams going around on the internet today and a lot of people are falling for them without realizing until later what has actually happened. The scam includes people offering discount health cards that tell people they will save money due to the fact that they will be getting discounts when they visit the doctor, a hospital, buy prescribed medication from a pharmacy and many other health related solutions. The discount health insurance cards are illegitimate because they are being sold as discount health insurance plans, when in fact they are actually just discount cards. The difference between the two is quite simple; discount cards offer discounts for medication that you have to pay for, but you still pay for visiting the doctor whereas discount health insurance plans cover the medical bills that would build up from all these medical needs. Many people have stopped their current health plans and moved onto discount cards, which is the worrying part for most people as they did not have a firm grasp on the situation in the first instance. Also, many companies overstate their discounts and fees such as administrative fees may be included without prior knowledge, this will end up costing you a lot more in the long run, and you must be aware of this. Car insurance calculator Car insurance rates (Comment on this)
Tuesday, September 21st, 2010
5:40 pm	Is Your Life Insurance Covering You For Life long? Recently I had a gentleman contact that had found me through a Google search. He had a life insurance policy with a company that I represent and he was looking for a local agent to assist him. He had a life insurance policy he had purchased about 15 years ago and the agent was no longer around. His concern was that when he had purchased the policy he was under the impression that the policy would provide coverage for his entire lifetime at a fixed premium of $120 a month was was being drafted from his checking account each month. The problem though was that each month he was getting a notice from the insurance company that if he wanted to continue the coverage, he would have to make an additional payment. The policy that he had purchase, which he thought was a Whole Life Insurance Policy that guarantees the death benefit and the lifetime premium was actually a type of policy called a Universal Life Insurance Policy. If structured properly, the policy that he has could provide coverage on a lifetime basis. However, between it not being structured properly and not reviewing it regularly with an agent, he will now have to pay $1,063 a month to be guaranteed that the policy will be there for his entire life. At his age 76, being on a fixed income in retirement, he is unable to afford this and to make matters worse, he is uninsurable. I am hoping that I can at least adjust the current plan to a lower death benefit at a more acceptable premium to at least be able to help him have some coverage. Car insurance calculator Car insurance rates (Comment on this)
Friday, August 27th, 2010
6:15 pm	What are the Benefits of Health Savings Account or HSA? HSA is Health Savings Account. Health Savings Account or HSA is a bank account which owns special tax benefits. This can be used in conjunction with specifically planned health insurance plans. It is available to anybody in the United States who takes part in a high deductible health care plan. In this plan, people are permitted to pose a percentage of their pre-tax income into an interest bearing account for the only use of health care expenses. Several people can be complicated to administrate and keep these plans, but in commonly these plans are fiscally responsible for several people. HSA has qualification that a person must be enrolled in a high deductible health plan. These users prefer to shelter a percentage of their income in the case of a medical emergency. Their sum of tax savings can be significant. This Health savings account lets its users to roll over the total in the account from year to year. The health savings account money does not have to be as accurately calculated. HSA typically propose savings over a copay placed plan with lower total premiums and sum annual costs. If the policyholder requires the money, the health savings account will be there, accumulated overtime. These accounts encourage small business owners to supply health insurance for themselves and their employees. The self employed often enjoy health insurance with only extremely limited coverage and high deductibles. Placed on that, The Health Savings Accounts are really beneficial for them. Car insurance calculator Car insurance rates (Comment on this)
Thursday, August 5th, 2010
12:05 pm	How Does Moving Insurance Coverage Benefit You? During a move, your valuable personal items are at risk. Moving insurance can provide an optimal level of coverage and certainty that your items are protected in the event of damage, theft, or loss. It can also help give you piece of mind during a busy, stressful time. Moving insurance can include coverage for the following: the moving of household goods, storage in transit, total loss while in transit, losses due to “acts of God”, moving of office and industrial goods, and electrical and mechanical derangement. Moving insurance fills in any gaps in coverage to ensure that your move will not result in financial loss for your personal items. Moving insurance can also cover pairs. For example, if you have matching chairs and one is damaged in a move, the moving insurance policy would pay for the replacement value of both chairs. Be sure to carefully review the terms of the policy. Insuring your move can be a great value when you consider nearly all of your valuable personal items would otherwise be largely unprotected during a move.   Medical Insurance quotes Medical Insurance for students (Comment on this)