Boat & Vessel Title Insurance – Protecting Your Watercraft Investment

Just as real estate titles are subject to record errors, preexisting liens and other encumbrances, vessel and boat titles may have hidden problems which can pose a liability to new vessel owners. The best way for buyers of watercraft vessels, yachts and boats to protect themselves from these liabilities is to purchase title insurance. Agencies which provide this kind of insurance perform thorough investigations of title histories to ensure the vessel title is in “good opinion”. Vessel title insurance also ensures vessel owners financial protection in the event of a lawsuit or other financial losses due to complications with the title.

Why Do Watercraft Vessels Need Title Insurance?

There several types of problems which can occur on boat titles. Buyers of vessels are usually unaware that any of these problems exist – until they are slapped with an ownership lawsuit or fees associated with prior liens. Insurance agencies hire underwriters and title attorneys to investigate the title’s chain of ownership to uncover these problems – and resolve them – before the sale occurs.

Common problems associated with yacht and vessel titles include:

Fraud. Forged or fraudulent documents can occur at any point in ownership history. Vessel brokers or previous owners sometimes attempt to sell vessels under false titles, defrauding both the vessel mortgage lender and the new owner. In some rare cases, the mortgages in the vessel’s ownership history may be revealed as fraudulent. Additionally, watercrafts may be registered with both the US Coast Guard and the State, allowing vessels to carry more than one “valid” title. Multiple titles can precipitate multiple mortgages for which the vessel owner can be held responsible.

Ownership disputes. Even though a vessel owner carries a valid Certificate of Documentation and Federal boat registration, he or she may still be subject to ownership disputes. These documents do not have the ultimate authority to determine ownership; only the yacht or vessel’s underlying contract can determine ownership. If the vessel title’s underlying contract is drafted on fraudulent documents, the buyer’s ownership could be rendered void.

Preexisting mortgages or liens. The new owner of a watercraft is held responsible for any unpaid taxes, unresolved mortgages and unpaid contract work associated with a vessel’s title, even if he or she was not privy to them at the time of purchase.

Watercraft buyers may ask for a title opinion before finalizing the sale. While a good opinion provides some assurance against disputes, vessel title opinions and abstracts may not always be reliable. Erroneous records, improper documentation, fraud and human error can lead underwriters to draft faulty title opinions. The only way for the buyer of a yacht or boat to protect him or herself against these complications is to purchase vessel title insurance.

How Does Boat Title Insurance Protect Me?

In addition to performing a thorough investigation of the vessel’s ownership history before the sale is complete, title insurance companies provide financial compensation in the event of a lawsuit. Vessel title insurance typically covers the cost of legal defense against …

Different Things You Can Do With a Personal Loan

Since the beginning of the 20th century, the demand for loans has witnessed a rapid growth year on year. The increase of lenders in the market is a huge contributor for this growth. The customer today is smart and the advancement in the digital industry has helped the average customer to be well read and informed.

Earlier to avail a personal loan, the customer would run to the lender with the lowest rate of interest. Today, the scenario has changed drastically. Banks entertain customers who have a good credit score and provide them with better deals and offers on the loans taken by them. Hence, an individual would need to always keep his / her financial profile strong.

How does a personal loan fit into this equation?

A personal loan is taken by an individual to fulfill any short-term obligations which need their immediate attention. You can also avail of this loan for any medical or general emergency. Tuition fees, credit card bills, purchase of an expensive gadget, traveling to new places etc. These are the different things you can do with a personal loan. But, there is one more use of this loan and that use is to strengthen your financial profile.

Yes, you can improve your credit score and thus strengthen your financial profile by availing a personal loan and repaying it on time without any default. Let's take a hypothetical example;

Johnny Kane is a married man living with his wife and kid in a rented apartment. He wishes to purchase an apartment of his own in a couple of years which will be near to the kid's school and his workplace. While he checks for possible home loans from different lenders, he realizes that only because his credit score is low, he is getting a home loan at a higher rate. Johnny then decides to do something about it.

He finds out that his credit score is weak and hence no bank can vouch for his credibility. Hence if he wants a lower rate of interest on any loan, he will need to improve his credit score. Johnny applies for a personal loan with a bank for a period of 2 years. The rate of interest is high and the loan amount is 1,00,000 rupees. Johnny realized that the benefits of repaying off this loan without any defaults will improve his credit score. He pays off the loan without any defaults. Couple of years later when he applies for a home loan, he gets a better rate of interest than before only because his credit score now has improved and his financial profile is strong.

This is how you can use a personal loan to improve your financial profile. Banks offer their best deals and offers to the customers who have a good credit score as it showcases your ability to repay off the loan without any possibility of defaulting.

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Repricing on Health Insurance Claims

We have all heard the stories of the emergency room claim that cost $10,000 for a broken thumb, or the person who had to file bankruptcy from the huge bill while using a network outside of their HMO. These stories have been the fuel for arguments on what should be done with our Nation’s healthcare system. The truth is these stories occur more than most people realize, and many have misconceptions on how this happens. This is why it is crucial to have the right billing network to take advantage of most favorable, predetermined pricing available.

Lets take a look at a couple of scenarios where one person is stuck with a high medical bill and the other is protected. Suppose that two people walk into an emergency room for the same injury, one having adequate health insurance and the other having none. The emergency room is going to immediately know that each patient will be billed differently. The person with the right network billing plan will be able to take advantage of a nationwide network, allowing predetermined pricing for most any medical condition you can name. The other will be at the mercy of what the emergency room decides to charge. Depending on the medical condition, the difference of what is paid out could be upwards of tens of thousands of dollars. The catch is, in order to receive this predetermined billing you must have access to the participating billing network.

When you take a closer look at how these billing networks work it becomes clear where you may be exposed, especially on smaller networks. No one knows this better than the self employed and those who do not get insurance offered through work. When an individual purchases health insurance on the exchange (Healthcare.gov), the only network options available in Texas are HMO, or restricted networks. These networks are formed for the insurance company and the medical institution to share losses, while hoping to bring in excess volume of patients to offset the claims. Even these smaller type of HMO networks can have big holes in their billing networks. For example, if an individual has a surgery within their HMO network they may still have an unpleasant surprise when the final bill comes. Although their surgeon is likely covered, both the anesthesiologist and the surgical tools rented for the surgery might fall out of the billing HMO network, causing thousands of dollars to be paid by the patient. You guessed it, not a word of warning, just a bill that the health insurance will not cover well after the surgery.

The only way to avoid a small HMO network pricing trap is to take advantage of much larger billing networks, allowing you to avoid the uncovered pitfalls. These larger networks, or providers, can have hundreds of thousands of doctors and medical institutions participating coast to coast. Many of these nationwide networks make it mandatory for their preferred discount to be the primary, or front runner, method of billing, protecting …

5 Top Advantages of Hiring Personal Trainer for Physical Fitness

Some of the people think that personal trainers force and push to exercise until trainees collapse. But, this fact is absolutely wrong. There are various advantages of hiring trainers who will provide personal training.

The experts who offer physical training programs have many years of experience and knowledge. They know the requirements of the trainees and arrange the training sessions according to their physical fitness. They also help in achieving the fitness goals within a short period. They arrange the physical movements after understanding the needs of clients. One of the best benefits of hiring the personal fitness trainer is that he will come to your home.

Apart from this, there are some other advantages. Let’s have a look on them:

1. Goal Achievement –

The personal fitness trainer will help you to achieve the goals in short time. The expert will take into account your fitness level and discuss your requirements. You can have some of the ideas on how to set the goals, share them with the expert. The trainer will help you to plan smaller goals that will give you more benefits. The professional will also help you to know the progress of the goals.

2. Right Instruction –

A professional who is offering the training personally, teaches you the right way to perform all the exercises in a specified routine. He will also give demonstration to make you understand the postures and see how you are performing. Knowing the perfect way to perform the movements reduce the pain and injury. You can also practice the exercises at home without going to the gym.

3. Practicing Following Routine –

One of the best advantages of hiring the personal trainer is that he will keep the record of the exercise sessions. There are no chances of missing any fitness session. But, when you are practicing the movements alone, you can skip one or more workouts if you are not feeling to do, this is really a bad thing for your health.

4. Varieties –

The experienced trainer knows a lot of physical workouts. He will first check your health condition and suggest you what you can do. The expert will choose the movements that are suitable for you.

5. Perfect Motivation –

Motivation is very important in the case of performing physical fitness movements. The trainer who is coming to your home will motivate you in the right way. Regular sessions with the professional trainer enhance the inner confidence for doing the workouts in the future.

These are some of the benefits of appointing a personal trainer to achieve the best physical fitness goals. There are organizations in various large cities around the world that have experienced trainers who are always ready to help you.

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Health Insurance: The Race Against the Clock

There is still time for Congress to pick up the pieces of changing the healthcare system to help stabilize it. The fate of the Affordable Care Act is yet to be determined. In the meantime, people wait while paying extremely high premiums and have mountains of out-of-pocket bills on the kitchen table. Where is the affordability of the Affordable Care Act?

Tick Tock for the insurance companies as well. They are under a timeline for filing dates this summer. Insurance companies have time to decide if they will still offer ACA plans or not. By withdrawing ACA plans, things will start moving back to before the law was signed. This time capsule can be good for many.

The insurance companies may begin screening for health conditions. Do not panic just yet! Years ago, the only problem with pre-existing conditions was not ‘if’ an insurance company would take you, but which one. Each insurance companies had personalities for health conditions. Just because a big name insurance company turned someone down, that did not mean you could not get health insurance from another company. Insurance brokers just had to match the personality with the insurance company. It is as simple as that.

If nothing happens by late March, we could be moving into more increases on the health plans in 2019. This is terrible news for folks on the brink of losing their health insurance due to cost. Not everyone does well enough to pay for their health insurance with no problem, and much more do not qualify for any government subsidies for the premiums.

Governors in Alaska, Ohio, Colorado, Pennsylvania, and Nevada came up with “A Bipartisan Blueprint for Improving Our Nation’s Health System Performance.” It brings together a high-level overview of what some changes should occur. It does not get specific enough to make a difference. Maybe it is too soon at this point. However, policyholders need some answers, and hard proof something will change that will benefit them.

Collective action by 20 U.S. States recently sued the federal government claiming the law was no longer constitutional after the repeal of individual mandate starting in 2019. Individuals and families not having ACA compliant coverage will no longer be fined a tax penalty in 2019. The Individual Mandate was the very rule that was determined by the Supreme Court in 2012 saying it was constitutional as a tax penalty.

The future of the law and health plans are yet to be determined. Since 2014, it seems that most policies are changing every year. Every year the premiums go up, and the policies cover less. At what point is the breaking point? With this race against the clock, we will have to wait until the clock stops to know if we have real change coming.

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Finding A Reliable Personal Trainer To Help You Achieve Your Goals

To reach your fitness goals, one of the most important decisions that you need to make is whether you should train by yourself or get the services of a personal trainer. Most people have found success with each option. However, if you are still undecided on this matter, here are a few benefits of personal training that you should know which should help you make an informed choice. Since you can already find plenty of information about diet and exercise and even download apps related to both, you may decide to just train by yourself.

However, the downside of having such information available is that you can feel overwhelmed. Sometimes, the information you find may conflict with one another. Plus, some of the information you gather may not be exactly be suitable for you as these may be geared for advanced exercisers or they simply do not account for your unique needs and circumstance. With the help of a personal trainer, you can attain faster results because he or she will tailor an exercise program based on your goals, current skill and fitness level, as well as other factors like your time.

If you have practically zero experience in exercising, you might scratch your head the minute you enter the gym. A good majority of injuries can be attributed to the improper use of equipment as well as improper technique. With a personal trainer beside you in your journey toward improved fitness, you can minimise the chances of getting injured because you have someone who can check your form.

Furthermore, through proper exercise programming, you are most likely to avoid injuries related to overtraining some body parts. When you are just starting out, you will make substantial gains in your fitness level. However, the more advanced you become, the more likely that you will see such gains trickle in. If you are convinced that personal training is the best option for you, you should learn how to hire a personal trainer.

When you hire a fitness trainer, you should be willing to follow what your exercise program demands of you. Whether you want to lose weight or improve your athletic performance or simply look good, you have to temper your expectations with reality.

And lastly, a good personal trainer is not just a cheerleader. He or she can also be your critic. If you are open to suggestions and are ready and willing to listen to feedback, you can take your fitness to a different level and be able to reach your fitness goals in no time.

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Frozen Shoulder Physical Therapy – Will My Insurance Cover It?

The unfortunate individuals having to deal with adhesive capsulitis (also known as frozen shoulder) many times end up choosing frozen shoulder physical therapy as their treatment choice. If the person has decent insurance this is a wise choice, however since this condition knows no economic boundaries, many times the sufferer has less than adequate insurance and is faced with the possibility that their particular policy will not cover such services.

Traditionally in the past Medicare has always covered physical therapy services provided they are medically necessary. However there has been an ongoing battle in congress on whether to cap physical therapy services after a certain amount has been paid. A cap is very limiting as it usually encompasses other ancillary services. This means that if someone has extensive medical problems they may have very little if any therapy covered by the time they need it. Frozen shoulder physical therapy in particular requires multiple sessions with one-on-one joint mobilization in order to achieve functional range of motion.

Recipients of Blue Cross Blue Shield insurance typically have been covered at the rate of 80/20 – that is 80% insurance responsible and 20% patient responsible. However it is becoming more frequent to see some BCBS policies limiting outpatient therapy to a number of visits per year. Good luck if you have a particularly bad year with more than one injury or surgery requiring PT. Make sure you, as the recipient of health care, do your due diligence towards what your individual policy may cover regarding therapy.

Individuals injuring there shoulder on the job may be covered by Workmans compensation. All employers with greater than 5 employees are required by law to carry Workmans compensation insurance. This does not necessarily mean treatment for your injury is covered. The resulting injury and development of adhesive capsulitis must be documented as work related. Therefore all work related accidents or injuries must be reported to a supervisor who documents the dates and times of the occurrence as the first step. It is also a good idea to keep your own log of dates and times, mileage, etc… if you are injured during the course of performing work duties.

Medicaid recipients will need to check with their provider to see if Medicaid is accepted. If it is, then consult with the therapist directly as to how many units or allowable charges his or her plan of care may require. Medicaid restricts certain charges to a finite number per year.

All-in-all, frozen shoulder physical therapy is covered by most insurance plans in some form or fashion, but each individual will need to due a little investigation to make sure they are covered and do not end up with out-of-pocket expenses.

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Is Being a Personal Trainer a Recession Proof Profession?

As a response to the Global financial crisis in 2008, the Conservative party led coalition government of the United kingdom have embarked upon a financial policy of strict austerity for the last few years. Whether you agree with this policy or not, their intention is to cut government spending and the deficit, with the ultimate goal of getting the country into a position where it is able to eliminate the budget deficit altogether. They have used the slogan “In it together” both as a reference to their unlikely coalition cooperation and to the hard austere times the people of the UK would have to endure for better or for worse under their government. The measures have damaged many small and large business as well as entire sectors and seemingly nobody was passing through completely unscathed.

However certain professions are said to be “recession proof” in that they will always be needed regardless of how the economy is doing because they provide a service that is vital to people’s everyday lives. Furthermore there are even professions which will specifically benefit from hard economic times like bailiffs, bondsmen and even in some accountants. A profession I would not have expected to find on this list however would have been personal trainer. I would have assumed that in hard economic times people are much more concerned with feeding their families and paying the bills than they are with getting shape and working on their fitness. Apparently however, I would have been dead wrong.

So far as I can tell and the evidence suggests, personal trainers are thriving, providing personally tailored fitness advice and training is a real growing industry. All you have to do is look on any job search website to see the dozens of adverts posted all looking to hire personal trainers. Looking for a reason for this the first thing that came to my mind was that perhaps the trend of people taking more of an interest in their fitness and appearance was outstripping any possible damage being done by the economic conditions of today. Perhaps they would be doing even better in more prosperous times thanks to a new increased emphasis, particularly on men to work on their bodies and improve their physical fitness. However then I thought maybe the reason for its apparent immunity to recession is because it is simply not linked so strongly to the economic fortunes of the public as one might think.

Because another important angle to consider could simply be that those who might have been inclined to hire a personal trainer do not overlap much with those feeling the pinch of austerity. Which is to say that anyone who could afford the services of a personal trainer, which is of course something of a luxury, must surely be more financially secure than to be too badly inconvenienced by the global economic downturn. This might be a simple imaging of the more wealthy but it certainly stands to reason that the austere conditions …

Benefits of Life Insurance for Seniors

The majority of senior residents of North America are not able to afford long-term care due to the high cost. Only a few seniors use their insurance to cover the expenses for long-term care. This is a serious issue; too many seniors are unprepared for these costs, leaving them and their families at financial risk. There is a solution: purchasing life protection can help cover all possible expenses for long-term care. There are also several other advantages of purchasing life insurance for seniors; find out about these below.

Provide Financial Support for Your Spouse

Married elderly couples are often anxious about leaving their better halves with debt after passing away, and for good reason. Funerals in countries of North America are quite expensive – they can cost as much as $5,000 or more. Not every family can afford these costs, and that is why life coverage comes as a practical solution.

Life protection policies can fully cover the expenses of the funeral and burial of one spouse, and that coverage can bring some peace of mind to the insured person. Covered by a life protection policy, the individual can be sure that his or her significant other will receive the necessary support to deal with the financial side of a funeral.

In addition, a surviving spouse can use the funds from the coverage to increase the benefits from their pension plan.

Life insurance for seniors makes it simpler to deal with the expenses of a funeral, and that means the financial pressure does not add to the already-stressful situation.

You Can Still Get Life Insurance If You Are Sick

A lot of the insurance companies that provide traditional life protection policies often refuse to provide life protection for seniors who have pre-conditions. A serious illness poses a high risk to your life, not to mention the fact that advanced age also contributes to that increased risk. These are the main reasons an insurance company will decline your life insurance application.

Having a pre-condition does not mean you are left without life coverage at all, though. There are many insurance companies that do provide insurance for people who cannot or do not want to undergo a health exam. This type of insurance, often called no medical life insurance, does not require a medical examination for qualification; however, this feature also makes the price of this type of insurance higher, compared to a traditional life protection policy.

There are two types of life insurance policies that do not require a health exam: guaranteed issue and simplified issue. Guaranteed issue insurance plan requires no medical tests and no medical questions; that means that you are approved for this insurance automatically, but you will have to wait two years before the policy starts to work. Simplified issue insurance requires you to answer a series of questions, but there is no medical examination, and the policy provides coverage from day one.

The Bottom Line: Life Insurance Is a Reasonable Choice for Seniors

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Why Men and Women Avoid Personal Training With the Opposite Sex

All fitness centers are a place for many types of gym goers, this does not include bodybuilding gyms and women’s only fitness centers. All fitness centers provide personal training. There has always been some separation with male and female personal trainers. The big question here is why males and females avoid personal training with the opposite sex?

From a female personal trainer perspective, I see this male and female personal trainer avoidance quite often. First, most personal trainers are willing to work with anyone and everyone. Some may prefer older adults, men, women, children, or just athletes. In my own personal experience some older women tend to avoid male personal trainers because they feel as though they are only into body building which reduces the chances of training with a male trainer. Some women think male trainers are the “Arrogant” type. A good majority of women only want to train with female trainers because they are uncomfortable with training with men. Most women are seeking trainers that are understanding and knowledgeable. Some look for trainers that specialize in certain aspect of training such as weight-loss, corrective exercise, strength training, and do not have a preference in male or female.

The other day I encountered a gym goer while training some clients. Lets call her “Connie.” She spoke with some of my clients both male and female. She asked them about my ability as a personal trainer as well as my personality. My clients then discussed my training methods and personality. When I walked over and introduced myself she said she has been looking for a personal trainer for a while now and that I seemed like the type of trainer she wanted to work with. Of course I had to ask her why. Hearing some frustration in her voice stated she felt intimidated by the male Personal Trainers that she has seen in this particular fitness center. She needed to be trained by someone more “like her”, meaning a female personal trainer.

On very rare occasions men have come to me seeking advice on reaching goals. Granted I am always willing to assist anyone with any questions fitness related whether they are male, female, young, and old. I have had men deliberately avoid me like the plague at the gym even though they have seen me training for several months. Do the letters on the back of my uniform not state “Personal Trainer”? Am I intimidating? Do you think my years of experience and knowledge are inadequate? Am I not strong enough to spot you? “Do you think you will offend me while speaking to me?”

A few years ago while at the gym with my husband. I was spotting him on his last set on the bench press. There was a guy on the chest press clearly needing some assistance. He waited until my husband was finished and walked right past me without a word and asked my husband for a spot. I was disappointed. I may not be …