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Archives for February 2013

How to Use Critical Illness Insurance to Replace Lost Income

February 27, 2013 by Chiranth Nataraj

It can almost be impossible to get disability insurance, if you are in a high risk job such as a lumberjack while it would be extremely expensive; up to 10 percent of your annual income, if you are fortunate to get an insurance company that will offer you a plan. As a result, how will you design a particular plan that will cover your risks of injury and illness and at the same time offer protection to your lifestyle and family? Creating a split plan with a critical illness insurance policy and injury only disability insurance for major life altering illnesses is one solution.

disability

A great way of getting a type of disability income insurance is to use a critical illness insurance policy to replace lost income. Note that a critical illness insurance policy is in no way a disability policy and it does not cover things like fibromyalgia, pneumonia and chronic cough among others. Disability insurance policy only covers those major injuries and illnesses that can alter your life and keep you out of the job you are doing for many months, if not years. These are stroke, cancer, by-pass surgery, heart attack, MS, spinal damage, Parkinson’s, organ failure and so on.

In a situation where a common disability policy in addition to illness protection comes with a 90 days waiting moment in time, which indicates that your benefits will only begin after 90 days of paying your bills, what are the kinds of illnesses that would keep you off work for that long? However, the most universal kinds would be those illnesses that are incorporated in the list of critical illness insurance. Moreover, critical illness insurance will only pay out at the end of 30 days and not 90 in addition to the fact that all benefits are paid out in lump sum devoid of tax.

A plan that covers two years of gross income is substantial insurance coverage for most people in this situation.

Luckily, a critical illness insurance policy is more often than not less expensive compared to illness protection on a disability insurance policy. You can feel confident that you are insured from things like a car accident, fall, brain injury, cancer and heart diseases among others, taking the premium savings on the injury only disability insurance together with a lower cost critical illness insurance policy.

Filed Under: Visitor Insurance USA

Top Theatres Screening Bollywood Movies

February 26, 2013 by Chiranth Nataraj

Bollywood movies started as far back as 1913 when Dadasaheb Phalke’s silent movie Raja Harishchandra was screened in the theaters. The success of the film motivated creative people and technicians to think seriously about film creation. Alam Ara was created in the year 1931, with the arrival of talkies in Bollywood cinema which was followed by Kisan Kanya, the first Hindi film color.

In the rocking 1960s, a Bollywood movie actor called Shammi Kapoor danced his way to fame with his Elvis-like looks. The 1970s experienced the rise of this angry man and it is superbly portrayed by Amitabh Bachan. Until the release of Qayamat se Qayamat Tak in 1988, the action genus continued into the mid 1980s and since that time, romantic movies have been well-liked in Bollywood and this can be seen in the Bollywood movies. There are now highly skilled professionals as well as sophisticated equipment in the Bollywood film industry. This development has been helping in making movies get global acclamation.

Therefore, there are a lot of theatres screening Bollywood movies across the globe. Among the notables are:
Vue Entertainment Limited
Vue Entertainment Company is among the top theatres screening Bollywood movies as well as part of a group of companies that jointly form one of the foremost developer and operator of state-of-art cinema.  Vue Entertainment Limited has latest offers like Nectar – The Best of Bollywood, where you can use your Nectar points of at Vue and for each 500 points; you will get a discount of £2.50.

ODEON
The sprawl at ODEON Whiteleys is just only one of its kinds with more than 18 luxury cinema experience from ODEON. Each of the cherished screens has not more than 50 seats and the sprawl gives you the opportunity of enjoying interesting Film and delicious food in the most exclusive cinema setting. ODEON have 26 cinemas in London which included 5 IMAX cinemas screening the latest 3D Bollywood movies and the team there has always been very cooperating in organizing the latest film screenings. With their quality staff, you will have a wonderful time at this theatre.

Cineplex
Also on the list of theatres screening Bollywood movies is Cineplex which is one of the foremost entertainment companies in Canada. The headquarters of Cineplex is located in Toronto, Canada and Cineplex operates one of the most contemporary and fully digitalized motion picture theatre circuits in the world. This top-tier Canadian brand operates many businesses such as food services, theatrical exhibition, gaming, alternative programming, Cineplex Media, the online sale of home entertainment content and Cineplex Digital Solutions. They have 134 theatres as well as 1,449 screens from the British Colombia to Quebec that are serving roughly 70 million guests every year through Galaxy cinema, Colossus, Famous Players, Coliseum, Cinema City, SilverCity and Scotiabank Theatres.

Although there are a lot of theatres screening Bollywood movies around the world, above are top theatres screening Bollywood movies. You can as well use Google to search for theatres screening Bollywood movies in your locality if you have passion for Bollywood movies.

Filed Under: Travel Tips

O and P Athlete and Entertainer Visas – Can a Holder Apply For an Extension of Stay?

February 25, 2013 by Chiranth Nataraj

Non- immigrant athletes and entertainers that will be visiting the United States are always issued O and P types of visas to enable them take part in athletics or perform in an entertainment. Upon application for O and P types of visas, it always require several months. Fortunately, there is now expedited processing that will allow the entertainer or athlete to make it to the event or competition without delay. Nevertheless, it is advised that you plan ahead to attain your own due to the fact that such visas are not issued overnight.

Sports

As an athlete or entertainer who is the holder of O or P visa, you can file an extension of stay even as you are continuing or completing the event or activity mentioned in the original request after fulfilling some requirements.

Hence, if you want to request for an extension of stay, the employer or sponsor of the even or activity must submit an application for the extension of the validity of the visa worker’s original request and a petition to extend the visa worker’s authorized duration of stay.

On the other hand, if you want to file such petition, you must have being in the U.S. Furthermore, the employer or sponsor will forward the Notice of Action otherwise called Form I – 797 when it is time to submit the application for extension of stay. In addition to this, you must equally complete or and submit Form I – 129 with a statement giving reasons for the request of extension.

Although, it is possible for a visa holder to be qualified for a period of 5 years for a particular request, the total duration of stay must not be more than 10 years. If you are in the category of support personnel, you are qualified to get and extension of additional 1 year to conclude or resume the activity for which you were granted the O or P visa originally.

Filed Under: Travel Tips

Why New Jersey is the Garden State

February 21, 2013 by Chiranth Nataraj

The name Garden State called New Jersey can be traced to 1876 when Abraham Browning compared New Jersey with an immense barrel that was filled with a lot of good things to eat and open at the two ends, having the New Yorkers taking hold of it from one end and the Pennsylvanians grabbing from the other. He named New Jersey the Garden State at that time and since then, the name has clung to it. New Jersey’s ties to its nickname might even be more extensive, although it has historical roots tied to gardening.

city

There are nearly a dozen garden clubs and more than a few state associations with two large community gardens – Greater Newark Conservancy and Deville Community Garden in New Jersey. When you look around, you will discover garden museums, bird sanctuaries, arboretums and a lot of other historical garden sites. Furthermore, there are about 10,000 individual firms spanning nearly 800,000 acres of farmland in New Jersey. These farms are part of those leading the nation in several forms of agricultural production. New Jersey is one of the huge suppliers of corn, hay, tomatoes, blueberries, bell peppers, spinach, peaches, apples, lettuce, soybeans, potatoes and strawberries. In addition, New Jersey is equally popular for their fruit wines and wines with almost three dozen wineries across the state.

With more than 50 percent of the state still wooded, New Jersey is extensively covered in trees and parks. For this reason, New Jersey pushes strongly for the conservation of land as well as the protection of its natural wildlife, resources and trees. One example of the modern way the citizens of New Jersey define themselves by their state nickname, is the pushing for modern greenways by a lot of the local organizations. This greenway dream is nothing but a push for interconnecting systems of trails, parks and protected natural areas, historical places and farmland according to the director of the American Greenways Program – Ed McMahon. It is clear that many modern citizens will continue to identify with the nickname of the state with a future vision of keeping in touch with its traditional roots.

In New Jersey, gardening is an extremely popular hobby. In addition, New Jersey is well-known for its master gardener programs. This particular program has been very beneficial because, it gets many people more interested and excited in landscaping and gardening in the area. This nickname remains as an important symbol that represents what an average person from New Jersey relates apart from the fact that the nickname defines New Jersey from a historical point of view.

Filed Under: Travel Tips

Can You Get Urgent Dental Care Insurance in USA?

February 20, 2013 by Chiranth Nataraj

Are you seeking urgent dental care insurance in USA? Frankly speaking, it is usually not an option, unless you have Insurance at the time of the emergency. However, many options that will save you money and get you seen by a reliable dentist at the time of the painful emergency are available. As a result, if there is an on-going condition, you can see the Dentist the same or next day with a discount plan.

doctor

The discount plan is one of the available options that consumers can obtain. As a matter of fact, discounted plans are being offered by many insurance companies to their clients today. The discount plan of urgent dental care insurance is less expensive to consumers because they only pay a lower premium every month. The Discount Organization agrees with the local Dentists to offer their services at such a discounted rate.

The Dentist will accept a discounted fee for their services for the reason being that the participating member pays the price being agreed upon at the time of the service. Therefore, paying at the appointed time gets rid of the need to deal with the expensive aspects of billing. On the other hand, if you have a plan member being referred, this will equally eliminate the need to pay costly advertising expenses, because the company sends new stream of steady patients to them. The interesting aspect of these plans is that there is no loser between the member and the Dentist.

However, with insurance, there are some situations that certain types of expensive procedures like cosmetics and braces are not covered. Concerning the covered dental work, there may as well be waiting periods, prior to doing certain procedures. After that, the last shortcoming is that there are annual limits on the services.

Choices for Urgent Dental Care Service
Look into obtaining a Discounted Plan without waiting period; get in touch with an Urgent Dentist in your area for a visit and go to the pharmacy and purchase Ora-Gel for the tooth pain or get to the hospital emergency room if the pain in the teeth persists on weekend and there are no other options.

Filed Under: Visitor Insurance USA

Looking to Become Vegetarian?

February 19, 2013 by Chiranth Nataraj

Nowadays, there are many mouth-watering options available if you are looking to become a vegetarian unlike many years ago when becoming vegetarian was an arduous process. At local health food stores, online and mainstream grocery stores and even online these days, you can find veggie ground beef, hot dogs, soy or tofu burgers and some other substitutes for meat, making it easy to get almond milk, rice and soy in different types of flavors.

vegetarian-1
Becoming vegetarian does not really mean grass-grazing according to the popular belief of so many people and does not also mean a diet that is free from refined sugars and chemicals. As many people are now more conscious of environmental upside, health benefits and animal-friendly of becoming vegetarian, being vegetarian has become more conventional. Different products can now be found at your local grocer as mentioned earlier, while competition is affecting costs. Therefore, it is affordable and easier to be vegetarian now than what was experienced few decades ago.
Despite the fact that dairy substitutes are as well considered to be processed foodstuffs, they are still considered to be healthier alternatives in diverse ways. Nevertheless, you may want to go a step further and make your own options using whole, natural foods, if you are looking to become vegetarian as part of a healthier lifestyle. Fortunately, the possibilities are endless, if you decide to take on the challenge of creating your own culinary vegetarian marvels.
There are a few things you need to keep in mind to help make your transition to veganism a smooth one before you dive at all. At least in the beginning until you become familiar with which products are vegan-friendly and which ones you will require to find replacements for, you will need to get used to reading the ingredients in all items you buy as a beginner. On the other hand, you may also want to go online to look for a comprehensive list or guide of non-vegan ingredients commonly found in many foods. Although milk products may be obvious, but there are many items you may find that you may not even recognize or are not obviously non-vegan.
The concern that they will never be able to eat out again is what is bordering all new vegetarians, particularly those that always go to dinner with their non-vegetarian family or friend without having to settle for salad for meal or go to a vegetarian restaurant. Fret not, but just make a comprehensive list of all those restaurants that you and your friends always visit before and contact the restaurants to provide you with the list of ingredients they have or get the options of your vegetarian friends. If you follow this advice, you will discover that you have more assortments to select from than you initially thought, and your social life will never remain the same again.

Filed Under: Travel Tips

Finding an Affordable Health Insurance

February 18, 2013 by Chiranth Nataraj

Looking for affordable health insurance is easier said than done, most especially if you have a pre-existing condition or it is without an employer-sponsored program. According to a study in Harvard University, it was noted that according to statistics, your family is just a severe illness away from bankruptcy. It was also concluded from the same research that in 2007, health problems were responsible for 62 percent of all personal bankruptcies in the United States and 78 percent of these filers were with their medical insurance at the beginning of their illness.

world health

The number of people from the above statistics alone should encourage you to get health insurance or even increase your present coverage, if you really love yourself. Shopping around is the key to finding affordable health insurance coverage. A lot of smaller businesses do not offer health insurance benefits, while the best alternative which is also the least expensive is participating in your employer’s insurance program.

As pointed out at the beginning of this article, it is difficult to find affordable health insurance if you have a pre-existing condition or it is without an employer-sponsored program. The average premium cost to the employee in an employer sponsored health care program was about $4,100, according to the Kaiser/HRET survey.

However, health insurance has become a luxury that only few people can afford getting and yet, even a minimal policy is better than having no coverage, with the rising co-payments, dropped coverage’s and yearly deductibles. In the hospital, the cost for one day can range between $985 and $2,696. Minimal coverage can provide some monetary benefit for your hospital stay, even if you have one.

Approximately 48 million Americans are without insurance coverage, as the health care debate continues in Washington. Regarding health care benefits, find out from your employer and ask of any occupational association you belong to regarding possible group health insurance coverage.

Filed Under: Visitor Insurance USA

Visa exemption Schemes and agreements

February 14, 2013 by Chiranth Nataraj

The only condition for you to gain entry into another country is the possession of a valid visa. On the other hand, there are also various exemption schemes that can also grant you entry into another country as well. Visa-free entry may be granted to those who have diplomatic passports in some cases just as normal passport holders even require visas.

Visa Application

However, various countries have mutual agreements such that under certain conditions, a visa is not required. For example, if the visit is for tourism and for a relatively short duration. Such mutual agreements may be as a result of being member of a shared heritage or international organizations.

According to the visa exemption schemes and agreements, if you are a citizen of the European Union member countries, you are eligible to travel to and stay in all other EU countries without a visa.

Likewise, the Visa Waiver Program of the United States permits citizens of 36 countries to travel to the USA devoid of visa. Since the US does not allow visa-free entry to citizens of some countries that permit US citizens visa-free entry, this scheme is not mutual, although some countries that are not in the waiver program of the US require the Unites States of America citizens to pay a charge equivalent to paying the US visa fee to gain entry to their country.

Citizens of any Gulf Cooperation Council can enter and stay for as long as necessitated in any other Gulf Cooperation Council member state. Not only that, all members Economic Community of West African States – ECOWAS citizens with the exemption of those defined as undesirable aliens by law, may enter and stay without a visa in any member state for at least 90 days. Valid travel document and international vaccination certificate are the only requirement.

Furthermore, you don’t need visas for entry into any of the member states, if you are nationals of the East African Community member states. At the same time, quite a number of countries in the Commonwealth do not need tourist visas of citizens of other Commonwealth countries to gain entry.

As a result of the Indo-Nepal friendship treaty of 1951, India and Nepal permit their citizens to enter, live and work in each other’s countries. In addition, to travel to Bhutan by Indians does not need visa but just to get passes at the border checkpoints.

Also, apart from Burma where its citizens are necessitated to have a visa to enter seven out of the ten states, citizens of member states of the Association of Southern Asian Nations do not need tourist visas to visit another member state. Singapore, Philippines and Indonesia are the exceptions.

CIS – Commonwealth of Independent States member states jointly permit their citizens to enter visa-free for short stays, at least. However, exceptions exist between Armenia and Azerbaijan as well as Tajikistan and Uzbekistan.

In order to promote business, facilitate tourism or even to just cut expenses on maintaining consular posts abroad, other countries may unilaterally grant visa-free entry to nationals of certain countries.

Filed Under: Travel Tips

Inside USA Tour – Travelers Will Experience Fun and Culture

February 13, 2013 by Chiranth Nataraj

Inside USA tour, customers will experience fun and culture because you can discover the most important cultural centers in the big cities, particularly all through the East Coast. You will want to get an overview of America from the beginning to the end within a shortest period of time, if you are an international traveler traveling to the US for the first time. Booking an East Coast tour is the best way to do this. On the other hand, an East Coast tour will refresh your memory and enrich your knowledge in unexpected ways, if you are USA residents.

place

Furthermore, inside the USA tour, some of the most popular stops on an East Coast tour are; Washington DC, New York City and Philadelphia. In these cities, there is unique combination of a rich mosaic of American history and modern day wonders. To enjoy a great holiday inside USA tour, various destinations with plenty of offer for tourists like Boston tour, the New York City tour, Las Vegas tour, Key West tour, Los Angeles tour, San Diego tour, Washington DC tour and Disney World – Orlando must be visited by a visitor.

A lot of tour companies internationally and nationally sponsor and proffer enormous deals in the course of their American tours packages that offer customers the remarkable moment of their life. As everybody knows, America has stunning locations that offer the best in site seeing, sports, entertainment, adventure and knowledge.

Inside USA tour however, you can embark on tour of Canyons and India Lands, Niagara Falls, Mammoth Lakes – Death Valley, Yellowstone National Park, the Grand Canyon, Western Wonder, Western Belt, Freedom Trail, West Coast highlights and tours right from New York to Los Angeles, traveling through the forests of Appalachian and the beautiful Yosemite National Park.

Inside USA tour, you will not only experience culture, you will also enjoy ample attractions. Some of these attractive spots are Disney World, the Olympic National Park in Washington, The National Civil Rights Museum, Graceland, Hershey- Pennsylvania – the home of American chocolates, Rock ‘n’ Soul Museum among some other motivating parks, museums and entertainment centers.

Finally, there are the winter vacations at ski resorts inside USA tour, which are also enjoyable for individuals and families of all ages. For your enjoyment in the whiteness of the cold, you will find quite a number of fun activities for your entire family. Apart from skiing, you can enjoy bonfires, snowboarding, sleigh rides, tubing, dog sledding and other fun activities that involve snow.

Filed Under: Visitor Insurance USA

Tips to Finding the Latest Travel Updates

February 12, 2013 by Chiranth Nataraj

If you are a regular traveler, there is the need to update yourself about travel events and activities. This is necessitated in order for you to know recent happenings in the travel industry as well as the country you want to visit. Consequently, if you are looking for the most current travel updates, it will be a wise decision to check the government website of your country of residence. This is a very good routine to practice and should therefore be at the top of your travel checklist in addition to scrutinizing your visa requirements, passport expiration, taking out travel insurance as well as checking with your doctor concerning any vaccination needed.

Travel Consultant

Visit the Department of Foreign Affairs, or related government agency for your country, to check if there are potential problems looming in your destination country. For instance; Department of Foreign Affairs and Trade (smartraveller.gov.au) if you want to travel to Australia, Department of Foreign Affairs and International Trade (voyage.gc.ca) is for all travelers to Canada, Department of Foreign Affairs (dfa.ie) for Ireland travelers, Ministry of Foreign Affairs and Trade (safetravel.govt.nz) for those traveling to New Zealand, Foreign and Commonwealth Office (fco.gov.uk) for travelers who are visiting UK and Department of State (travel.state.gov) for USA travelers.

As part of their intention to help travelers and assist them avoid inadvertently getting into trouble overseas, the British Foreign and Commonwealth Office offer updated and extensive travel advice and information on their website. This is their contribution towards Know Before You Travel campaign. The vital information includes the driving advice, visa and passport requirements, local laws and customs, transportation advice, the political situation, healthcare, street and scams to watch for, travel insurance, emergency contact information and a lot more.

If you adhered strictly to the above tips to finding the very latest travel updates, you will not have any problem when traveling abroad as you will be equipped with adequate information you need concerning the country you are visiting. The best way to get the very latest travel news and updates is to go through the website of the country of your choice.

Filed Under: Travel Tips
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