What is insurance? A guide to help you understand about insurance. By Mencap and Unique Insurance Services. Easy read

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "What is insurance? A guide to help you understand about insurance. By Mencap and Unique Insurance Services. Easy read"

Transcription

1 What is insurance? A guide to help you understand about insurance By Mencap and Unique Insurance Services Easy read

2 What is insurance? Insurance is a way of guarding against damage or loss of something you own. You pay an amount of money called an insurance premium which buys you insurance. The easiest way to think about insurance is that it is money you pay out in case anything happens. You pay money to an insurance company. If you have to make a claim because the thing you have insured is damaged or stolen your insurance will help you by giving you all or some of the money you need. 2

3 Why should I have insurance? You have to decide if it is better to have insurance than run the risk of something going wrong and how expensive it would be. For example, you will probably always choose to have health insurance if you go on holiday abroad just in case you get sick or injured. This is because it could cost you a huge amount of money to get medical help if you got really sick or were injured in another country. Sometimes you must have insurance. This is because the law says you must. You can read more about the sort of insurance you must have on page 6. 3

4 How insurance works You pay the insurance company a set amount of money. You might pay this as an amount each month. For example, you pay an insurance company money each month to insure your car. If you make a claim, the insurance company will find out how much the repairs will cost find out how much your car is worth decide how much money they will pay towards the costs of getting the car fixed. You will have to pay a part of the cost of the repairs. This is called the excess. There will be information about the excess in your policy schedule. 4

5 What you can insure Some of the things you can choose to insure include mobile phone pets TV and DVD cost of a holiday. 5

6 More about what you can insure Some of the things that it is a good idea to have insurance for healthcare when you are on holiday in another country. It is very important you tell your insurance company if you have an illness. Or else you may have to pay for any healthcare you need for that illness while you are away. Ask your doctor or hospital consultant if you are not sure about what to tell your insurance company about your health. the contents of your home like your clothes, TV and other things you own. Things that you must have insurance for car motorbike. 6

7 Things to think about When you buy something new like a microwave, the shop assistant may ask you if you want to insure it. You would pay an extra amount of money on top of what the microwave costs. It is a good idea to ask yourself these questions before you make up your mind 1. Is there already a warranty from the manufacturer? This means the company that made the microwave promise (guarantee) that it will not go wrong for a certain period of time. If it does they will fix or replace it. 2. If the microwave went wrong would you have enough money to pay for it to be fixed or buy a new one? 3. Can you afford to pay the extra amount for the insurance? 4. How much is the insurance excess? This is the amount of money that you have to pay if you make a claim on the insurance. 7

8 What to look for in an insurance policy The insurance policy is the name for the document that tells you about the insurance you are buying. It is a legal document that is often quite long and hard to understand. As well as telling you what you are insured against, the insurance policy will tell you what is not insured. It is often the information about what is not insured that is the most important to check. For example, if you have insured your bicycle you will probably find that it is not insured if you forget to lock it up. 8

9 Other things to look for Is the amount of insurance enough? How much do you pay and how often? How much is the insurance excess? What does the insurance cover? What does the insurance not cover? 9

10 Choosing who to buy your insurance from There are a lot of insurance companies. Some companies will have insurance policies for lots of different things. Some just offer 1 type of insurance like medical insurance. The cost of insurance, how much you are insured for and the rules of the insurance policy will be different from each company. Remember, the cheapest insurance may not be the best as it may not cover what you need. You must always read through the insurance policy carefully before you decide which insurance you are going to buy. You must always be truthful and honest when you make a claim. 10

11 Where to get more information or help 1. You can speak to Unique Insurance Services. Phone them on them at 2. Or you can speak to the company you want to take out insurance with. 3. Ask your doctor or hospital consultant if you have any questions about your health if you want to get insurance to travel to another country. It is very important you tell your insurance company about any illness you already have. Or else you may have to pay for any healthcare you need for that illness while you are away. Thanks to Photosymbols for the pictures. 11

INSURANCE MADE SIMPLE

INSURANCE MADE SIMPLE INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance UNDERSTANDING INSURANCE Insurance. We hear about it all the time. We buy cover to protect us against a wide range

More information

Overview. 10: Insurance. Section: content for the worker and resources Key messages A: Introducing insurance ff. B: Types of insurance ff

Overview. 10: Insurance. Section: content for the worker and resources Key messages A: Introducing insurance ff. B: Types of insurance ff Overview 10: Insurance This topic is about what insurance is and some of the types of insurance your client may have to consider. It also looks at what an insurance policy is, making a claim and the dierence

More information

What is a Mencap personal support worker? Easy read. 2009.289 What is a Mencap support worker3.indd 1 16/11/2009 16:40

What is a Mencap personal support worker? Easy read. 2009.289 What is a Mencap support worker3.indd 1 16/11/2009 16:40 What is a Mencap personal support worker? Easy read 2009.289 What is a Mencap support worker3.indd 1 16/11/2009 16:40 A personal support worker is someone who is employed by Mencap and is there for you.

More information

HOME INSURANCE MADE SIMPLE

HOME INSURANCE MADE SIMPLE HOME INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance TAKE COVER AT HOME! What would you do if your home was flooded or struck by lightning or your valuables were

More information

Money and the Single Parent. Apprisen. 800.355.2227 www.apprisen.com

Money and the Single Parent. Apprisen. 800.355.2227 www.apprisen.com Money and the Single Parent Apprisen 800.355.2227 www.apprisen.com Money and the Single Parent Being a single parent is not easy. As a matter of fact, it is really hard. Single parents are stretched in

More information

WOMEN AND RISK MADE SIMPLE

WOMEN AND RISK MADE SIMPLE WOMEN AND RISK MADE SIMPLE Working with the profession to simplify the language of insurance UNDERSTANDING WOMEN AND RISK Risk is part of life. At home, at work, on the road, on holiday, you re at risk

More information

Insurance. Covered, just in case. - How much cover do we need? - Buying insurance - Types of insurance - Where to go for help

Insurance. Covered, just in case. - How much cover do we need? - Buying insurance - Types of insurance - Where to go for help Insurance Covered, just in case - How much cover do we need? - Buying insurance - Types of insurance - Where to go for help Sorted by the Commission for Financial Capability How much cover do we need?

More information

insurance Insurance Protecting what s important to you Inside... What insurance do you need? Types of insurance Buying insurance

insurance Insurance Protecting what s important to you Inside... What insurance do you need? Types of insurance Buying insurance insurance Insurance Protecting what s important to you Inside... What insurance do you need? Types of insurance Buying insurance What insurance do you need? Insurance is a way to protect you (and your

More information

debt Managing debt Easy to get into, harder to get out Inside... Think before you borrow Know your options Make a debt repayment plan

debt Managing debt Easy to get into, harder to get out Inside... Think before you borrow Know your options Make a debt repayment plan debt Managing debt Easy to get into, harder to get out Inside... Think before you borrow Know your options Make a debt repayment plan Think before you borrow Borrowing money is called getting into debt.

More information

How to use your mobile phone

How to use your mobile phone How to use your mobile phone EasyRead guide What is in this leaflet Page About this leaflet 1 Different types of phone 2 Paying for phone calls 3 Choosing a mobile phone 5 How much will phone calls cost?

More information

Managing debt. It s easy to get into, harder to get out. Inside... debt. Think before you borrow. Know your options. Make a debt repayment plan

Managing debt. It s easy to get into, harder to get out. Inside... debt. Think before you borrow. Know your options. Make a debt repayment plan debt Managing debt It s easy to get into, harder to get out. Inside... Think before you borrow Know your options Make a debt repayment plan brought to you by the retirement commission Think before you

More information

EXAMPLE PRESENTATION SCRIPT. The following is an example script for the Are You Credit Wise? presentation.

EXAMPLE PRESENTATION SCRIPT. The following is an example script for the Are You Credit Wise? presentation. EXAMPLE PRESENTATION SCRIPT The following is an example script for the Are You Credit Wise? presentation. (Slide 1) Hi, my name is and I m a Junior studying. I m here today to talk about smart money management.

More information

PENSIONS INVESTMENTS LIFE INSURANCE SIMPLE GUIDE TO LIFE INSURANCE FOR PARENTS

PENSIONS INVESTMENTS LIFE INSURANCE SIMPLE GUIDE TO LIFE INSURANCE FOR PARENTS PENSIONS INVESTMENTS LIFE INSURANCE SIMPLE GUIDE TO LIFE INSURANCE FOR PARENTS 1 LIFE INSURANCE FOR PARENTS MADE EASY As parents we know that we need to protect ourselves, our families and homes against

More information

A personalised approach to Home Insurance

A personalised approach to Home Insurance A personalised approach to Home Insurance We re delighted to announce the launch of our brand new Home Insurance that significantly moves the home insurance market forward by allowing customers a greater

More information

When Finances Go Wrong - Debt

When Finances Go Wrong - Debt When Finances Go Wrong - Debt Very few people now have no debt at all after all a mobile phone contract, or your rent/mortgage are both debts. It becomes an issue for people when they cannot meet the payments

More information

TRAVEL INSURANCE MADE SIMPLE

TRAVEL INSURANCE MADE SIMPLE TRAVEL INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance MAKE SURE YOU COVER UP IN THE SUN Whether you plan to soak up the sun in Spain, see the sights in Sydney or

More information

Travel insurance & cancer

Travel insurance & cancer Travel insurance & cancer Why it is important to have travel insurance Travel insurance is designed to provide you with compensation for anything that could go wrong while you are away. Usually, this means

More information

How to open a bank account

How to open a bank account 2 Easy read How to open a bank account Self-directed support: an Easy Read guide to getting the help and support you need Self-directed support: an Easy Read guide to getting the help and support you need

More information

Family protection made easy

Family protection made easy Family protection made easy A guide to life assurance This product is provided by Irish Life Assurance plc. AIB has chosen Irish Life, Ireland s leading life and pensions provider, to provide its customers

More information

Life Insurance made easy

Life Insurance made easy Life Insurance made easy INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges people face in

More information

FAMILY PROTECTION MADE EASY. A guide to life assurance

FAMILY PROTECTION MADE EASY. A guide to life assurance FAMILY PROTECTION MADE EASY A guide to life assurance INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see

More information

Changes to special educational needs and disability support

Changes to special educational needs and disability support Changes to special educational needs and disability support Easy read guide for children and young people Who is this guide for? This guide will be useful if you: are a child or a young person have a learning

More information

Simple Guide to Life Insurance for Parents

Simple Guide to Life Insurance for Parents Simple Guide to Life Insurance for Parents INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges

More information

ICAEW on Personal Finance

ICAEW on Personal Finance ICAEW on Personal Finance Living away from home for the first time Jack decided he didn t want to go to university after finishing his A-levels. Instead he applied for a Higher Apprenticeship within a

More information

Your first home. A guide to buying for the first time

Your first home. A guide to buying for the first time Your first home A guide to buying for the first time 2 Your guide to getting it right You re planning on buying a place of your own at last. It will be your space and no one else s. It s an exciting thought.

More information

Kentucky Consumer Guide

Kentucky Consumer Guide Kentucky Consumer Guide To Buying Car Insurance Attorney-At-Law 859.254.7076 859.281.6541 FAX Page 2 Phone: (859)254-7076 Copyright 2012 by All rights reserved. No part of this report may be reproduced,

More information

Before launching into the healthcare sign-up process, understand how the policies work. By Geoff Williams April 16, 2014

Before launching into the healthcare sign-up process, understand how the policies work. By Geoff Williams April 16, 2014 A NEWSLETTER CONCERNING COVERAGE AND BENEFITS Second Quarter 2014 Understanding health insurance is confusing enough - - - With the onset of the Affordable Care Act (ACA), it has clouded the issue even

More information

Dealing with debt Top Tips

Dealing with debt Top Tips Dealing with debt Top Tips Don t ignore the problem it won t go away. The longer you leave it, the worse it will get. Get advice from the Student Advice Centre, Citizens Advice Bureau or other independent

More information

How to Keep Your Computer Network Up, Running, and Problem FREE

How to Keep Your Computer Network Up, Running, and Problem FREE How to Keep Your Computer Network Up, Running, and Problem FREE Are you frustrated with on-going computer problems - slow computer, error messages, viruses, spyware, printers not working, applications

More information

Section: content for the worker and resources A: Introducing household budgets

Section: content for the worker and resources A: Introducing household budgets Overview 1: Household budgets This topic is about preparing and keeping a household budget. It helps your client understand what to put into a household budget and how to track spending. Section: content

More information

H I V. and Insurance YOUR LEGAL RIGHTS HIV AND INSURANCE 1

H I V. and Insurance YOUR LEGAL RIGHTS HIV AND INSURANCE 1 HIV AND INSURANCE 1 H I V and Insurance YOUR LEGAL RIGHTS UPDATED MARCH 2014 published by: AIDS Legal Council of Chicago 180 North Michigan Avenue, Suite 2110 Chicago, Illinois 60601 (312) 427.8990 2 AIDS

More information

Travel Insurance and Cancer

Travel Insurance and Cancer General information Travel Insurance and Cancer Travel Insurance and Cancer This factsheet is for people who have had cancer or who are currently receiving treatment for cancer and who need more information

More information

TYPES OF INSURANCE. Advanced Level 2.6.5.G1

TYPES OF INSURANCE. Advanced Level 2.6.5.G1 TYPES OF INSURANCE Advanced Level Take Charge Today August 2013 Types of Insurance Slide 1 WHY IS IT IMPORTANT TO HAVE INSURANCE? 2.6.5.G1 Risk - chance of loss from an event that cannot be enerely controlled

More information

A Guide to Insurance. look beyond the label

A Guide to Insurance. look beyond the label A Guide to Insurance look beyond the label A Guide to Insurance A Guide to Insurance 01 Congratulations This booklet is part of a set of 13 guides. The series is made up of the following titles: k Starting

More information

What s your score? 350M 10/14 (DG3)

What s your score? 350M 10/14 (DG3) What s your score? Did you answer YES four or more times? If so, you are probably in trouble with alcohol. Why do we say this? Because thousands of people in A.A. have said so for many years. They found

More information

Banking made clear. Information pack for people with learning disabilities.

Banking made clear. Information pack for people with learning disabilities. Banking made clear Information pack for people with learning disabilities. This handy guide provides information about how you can: open and manage your own bank account keep safe when you are using your

More information

Banking made clear. Information pack for people with learning disabilities.

Banking made clear. Information pack for people with learning disabilities. Banking made clear Information pack for people with learning disabilities. This handy guide provides information about how you can: open and manage your own bank account keep safe when you are using your

More information

driver s seat Australian Securities & Investments Commission s Car finance and car insurance tips

driver s seat Australian Securities & Investments Commission s Car finance and car insurance tips In the driver s seat Australian Securities & Investments Commission s Car finance and car insurance tips Contents Don t drive into debt 2 Looking for a loan? 2 Choosing a policy 2 Applying for a policy

More information

Pension saving for the self employed

Pension saving for the self employed April 2014 Contact Details We can be contacted at: The Pensions Advisory Service 11 Belgrave Road London SW1V 1RB Helpline 0845 601 2923 General Office 020 7630 2250 Fax 020 7592 7000 For enquiries, please

More information

BETTER YOUR CREDIT PROFILE

BETTER YOUR CREDIT PROFILE BETTER YOUR CREDIT PROFILE Introduction What there is to your ITC that makes it so important to you and to everyone that needs to give you money. Your credit record shows the way you have been paying your

More information

Financial Planning in Your 20s and 30s

Financial Planning in Your 20s and 30s Financial Planning in Your 20s and 30s Financial planning varies throughout the different stages of life. Older people are often focused on planning for a comfortable retirement, while younger people often

More information

budgeting Budgeting Money planning to meet your financial goals Inside... What is a budget? Making a budget Getting help

budgeting Budgeting Money planning to meet your financial goals Inside... What is a budget? Making a budget Getting help budgeting Budgeting Money planning to meet your financial goals Inside... What is a budget? Making a budget Getting help What is a budget? A budget is a plan for the money you expect to receive and how

More information

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com You are probably reading this guide because you were recently in an automobile accident. Now you are faced with some difficulties. The tasks of managing your care and your insurance claim can be confusing

More information

Car loans. Richie found it pays to shop around. How do car loans work? Factsheet. August 2011

Car loans. Richie found it pays to shop around. How do car loans work? Factsheet. August 2011 Factsheet August 2011 Apart from your home, a car is one of the biggest single purchases you re ever likely to make. If you don t have the cash to pay for it upfront, you ll need to borrow money. And,

More information

Westpac Insurance. House, Contents, Vehicle & Boat Insurance

Westpac Insurance. House, Contents, Vehicle & Boat Insurance Westpac Insurance House, Contents, Vehicle & Boat Insurance June 2013 You ve worked hard to build up your assets, so it makes sense to protect them. From your home to all the things in it, to your car,

More information

THE EMPLOYMENT ACT AND YOU GUIDE FOR EMPLOYEES

THE EMPLOYMENT ACT AND YOU GUIDE FOR EMPLOYEES THE EMPLOYMENT ACT AND YOU GUIDE FOR EMPLOYEES An explanation of your rights, benefits, protection and duties as an employee, under the Norfolk Island Employment Act. 20081106 Norfolk Island has its own

More information

The Mind guide to insurance cover and mental health. guide to. insurance cover and mental health

The Mind guide to insurance cover and mental health. guide to. insurance cover and mental health The Mind guide to insurance cover and mental health guide to insurance cover and mental health The Mind guide to insurance cover and mental health This booklet is for anyone who wants to know how a mental

More information

Budgeting: Managing Your Money with a Spending Plan

Budgeting: Managing Your Money with a Spending Plan Budgeting: Managing Your Money with a Spending Plan Budgeting: Managing Your Money with a Spending Plan Are you making the best use of your money? Do you have a handle on how much comes in each month and

More information

payment protection insurance: consumer questionnaire

payment protection insurance: consumer questionnaire our ref: payment protection insurance: consumer questionnaire WHAT IS THIS QUESTIONNAIRE FOR? This questionnaire is for consumers to bring a complaint about the sale of payment protection insurance (PPI).

More information

The RBF also licenses some credit institutions that provide personal loans (for education, travel etc), business loans, mortgages and vehicle loans.

The RBF also licenses some credit institutions that provide personal loans (for education, travel etc), business loans, mortgages and vehicle loans. Welcome again to the Public Awareness column provided by the Reserve Bank of Fiji (RBF). This month s article focuses on borrowing money and managing that credit. We also provide some issues you should

More information

Income For Life Introduction

Income For Life Introduction Income For Life Introduction If you are like most Americans, you ve worked hard your entire life to create a standard of living for yourself that you wish to maintain for years to come. You have probably

More information

Make an offer to buy a home

Make an offer to buy a home Make an offer to buy a home You have found the home you want to buy. Now what? Make sure you know how much you will be able to spend. Do not spend more, even if it means you cannot buy this home. It is

More information

Home Contents Insurance

Home Contents Insurance Home Contents Insurance The Consumer Council WATER VANDALISM FURNITURE THEFT FIRE A guide for people who rent their home Home Contents Insurance A step-by-step guide on what to do Step 1 Read over A guide

More information

EXTENDED WARRANTY INSURANCE MADE SIMPLE

EXTENDED WARRANTY INSURANCE MADE SIMPLE EXTENDED WARRANTY INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance WHAT IS EXTENDED WARRANTY INSURANCE? When you buy something new for your home, such as a washing

More information

Grammar Challenge Must Practice activities

Grammar Challenge Must Practice activities Grammar Challenge Must Practice activities British Broadcasting Corporation 2007 Must Quiz 1: Match the beginnings of the sentences to the correct endings. 1. Don't tell anyone. a. you must have the right

More information

Financial Support and Benefits

Financial Support and Benefits Financial Support and Benefits Debt Somerset County Council positively values diversity, and celebrates cultural and social differences. Our Equal Opportunities Promise is to provide all services of equal

More information

Dimes to Riches Money Management for Teens in Grades 7-12

Dimes to Riches Money Management for Teens in Grades 7-12 Dimes to Riches Money Management for Teens in Grades 7-12 s e e r t n o row g t n s e o yd e n o M t a! h k t n a w b o n a k t u n By now yo Your parents are & Life is getting busy and you need cash for

More information

Remember the Interest

Remember the Interest STUDENT MODULE 7.1 BORROWING MONEY PAGE 1 Standard 7: The student will identify the procedures and analyze the responsibilities of borrowing money. Remember the Interest Mom, it is not fair. If Bill can

More information

insurance policy I m in the driver s seat!

insurance policy I m in the driver s seat! My first car insurance policy I m in the driver s seat! Car insurance is mandatory! Mandatory Car insurance primarily covers damage you could cause to others. It s called civil liability. Do you own a

More information

u n i t s i x Insurance: Your Protection Could you afford to pay for the damages you

u n i t s i x Insurance: Your Protection Could you afford to pay for the damages you Unit Six Insurance: Your Protection You're healthy, young, vivacious, and happy. Why in the world would you need insurance? You know the guy who was hit while riding his motorcycle or the girl who broke

More information

Motor Vehicle Accidents

Motor Vehicle Accidents Motor Vehicle Accidents Crash!!! Oh no, now what? It is often hard to know what to do if you are involved in a motor vehicle accident. What rights and responsibilities do you have? And what actions, if

More information

K.4 Using Credit Wisely After Bankruptcy

K.4 Using Credit Wisely After Bankruptcy Appx. K.4 K.4 Using Credit Wisely After Bankruptcy Beware of Credit Offers Aimed at Recent Bankruptcy Filers Disguised Reaffirmation Agreement Carefully read any credit card or other credit offer from

More information

Lessens asked the right questions, but would you? If you re like most physicians, the answer is probably no.

Lessens asked the right questions, but would you? If you re like most physicians, the answer is probably no. Operations: The Ins and Outs of Equipment Leasing How to Get the Best Deal on the Best Terms By Robert Anthony When 10-year-old Steven Lessens wanted a bike, his father didn t buy him one. Instead, he

More information

TEACHER GUIDE 11.3 RISK MANAGEMENT AND INSURANCE PAGE 1

TEACHER GUIDE 11.3 RISK MANAGEMENT AND INSURANCE PAGE 1 TEACHER GUIDE 11.3 RISK MANAGEMENT AND INSURANCE PAGE 1 Standard 11: The student will describe and explain how various types of insurance can be used to manage risk. Using Insurance to Manage Risk Priority

More information

BUYING CAR INSURANCE: WHAT KIND OF CAR INSURANCE SHOULD I CONSIDER?

BUYING CAR INSURANCE: WHAT KIND OF CAR INSURANCE SHOULD I CONSIDER? BUYING CAR INSURANCE: WHAT KIND OF CAR INSURANCE SHOULD I CONSIDER? This fact sheet is for information only. It is recommended that you get legal advice about your situation. CASE STUDY Ted was desperate

More information

How to Get of Debt in 24 Months

How to Get of Debt in 24 Months www.steamenginefinancialcoaching.com How to Get of Debt in 24 Months by John Bonesio, Financial Coach How to Get Out of Debt in 24 Months There are lots of debt solutions out there. You may have heard

More information

A safe and easy way to use your food assistance stamp benefits! benefits!

A safe and easy way to use your food assistance stamp benefits! benefits! The Electronic Benefits Transfer (EBT) OHIO DIRECTION CARD A safe and easy way to use your food assistance stamp benefits! benefits! Frequently Asked Questions about EBT for Ohio Direction Cardholders

More information

www.arden Fumigation.com (408) 279-2040 1

www.arden Fumigation.com (408) 279-2040 1 1 FREE REPORT 5 Crucial Things You Should Know Before Choosing a Pest Control Service 2 We all know how difficult it is when we need to get rid of pests in our house. It is even more difficult to do it

More information

Pathways Shared Equity Loan

Pathways Shared Equity Loan Department of Housing and Public Works Pathways Shared Equity Loan Become a home owner by purchasing a share of the property you are renting Questions and Answers Booklet Great state. Great opportunity.

More information

Online Accounting Software FUNDING OPTIONS GUIDE

Online Accounting Software FUNDING OPTIONS GUIDE Online Accounting Software FUNDING OPTIONS GUIDE Why you need to think about funding Every business needs money. Starting a business presents new challenges, many of which will require some financial outlay.

More information

A Guide to Novated Leases. www.sgfleet.com

A Guide to Novated Leases. www.sgfleet.com A Guide to Novated Leases www.sgfleet.com Improve the Weekly Budget A holiday, new clothes or just a bit more money in the wallet; whatever the reason, everyone should consider the potential improvements

More information

Information Security. Annual Education 2014. Information Security. 2014 Mission Health System, Inc.

Information Security. Annual Education 2014. Information Security. 2014 Mission Health System, Inc. Annual Education 2014 Why? Protecting patient information is an essential part of providing quality healthcare. As Mission Health grows as a health system and activities become more computerized, new information

More information

Contents. Why budget? Do I need to budget? Why budget? 3. Do I need a budget? 3. Some budgeting ideas 4. Talking with a budgeting advisor 5

Contents. Why budget? Do I need to budget? Why budget? 3. Do I need a budget? 3. Some budgeting ideas 4. Talking with a budgeting advisor 5 Managing your money Contents Why budget? Why budget? 3 Do I need a budget? 3 Some budgeting ideas 4 Talking with a budgeting advisor 5 Extra help with costs 6 Budget worksheet to help you get started 7

More information

7 Secrets To Websites That Sell. By Alex Nelson

7 Secrets To Websites That Sell. By Alex Nelson 7 Secrets To Websites That Sell By Alex Nelson Website Secret #1 Create a Direct Response Website Did you know there are two different types of websites? It s true. There are branding websites and there

More information

Strategy Paper: Financial Planning for Generation-Y. SMSF Specialists Investment Management Financial Planning Accounting

Strategy Paper: Financial Planning for Generation-Y. SMSF Specialists Investment Management Financial Planning Accounting Strategy Paper: 190 Through Road Camberwell VIC 3124 T: (03) 9809 1221 F: (03) 9809 2055 enquiry@gfmwealth.com.au www.gfmwealth.com.au ABN 69 006 679 394 Financial Planning for Generation-Y SMSF Specialists

More information

Buy or Lease a Car. published by AAA Fair Credit Foundation

Buy or Lease a Car. published by AAA Fair Credit Foundation Buy or Lease a Car published by AAA Fair Credit Foundation Buy or Lease a Car 1. What is Leasing?................................................................. 2 2. The Pros and Cons of Leasing and

More information

Equity Value, Enterprise Value & Valuation Multiples: Why You Add and Subtract Different Items When Calculating Enterprise Value

Equity Value, Enterprise Value & Valuation Multiples: Why You Add and Subtract Different Items When Calculating Enterprise Value Equity Value, Enterprise Value & Valuation Multiples: Why You Add and Subtract Different Items When Calculating Enterprise Value Hello and welcome to our next tutorial video here. In this lesson we're

More information

I use several different introductions when it comes to calling purchased leads or leads that I have generated on my own through different ads.

I use several different introductions when it comes to calling purchased leads or leads that I have generated on my own through different ads. COLD MARKET LEAD SCRIPTS COLD LEAD BUSINESS SCRIPT I use several different introductions when it comes to calling purchased leads or leads that I have generated on my own through different ads. You will

More information

Topic 2(d) Bank accounts

Topic 2(d) Bank accounts Topic 2(d) Bank accounts Storing money in a bank or building society If you have money you don t want to spend immediately, the best thing you can do with it is put it in a bank account. This will keep

More information

Mortgages and other money matters

Mortgages and other money matters Mortgages and other money matters 2 Buying a Home What about the money? The first thing most people think about when they want to buy a home is how much will it cost and where will I find the money for

More information

How to maintain your lifestyle in uncertain times.

How to maintain your lifestyle in uncertain times. How to maintain your lifestyle in uncertain times. A Guide to Income Protection Fills the gaps other insurance leaves behind 1 X Filling the gaps We all like to think we've got it covered if the unexpected

More information

Credit Cards. The Language of Credit. Student Loans. Installment Loans 12/17/2015. Quick Response. Unit 4 - Good Debt, Bad Debt: Using Credit Wisely

Credit Cards. The Language of Credit. Student Loans. Installment Loans 12/17/2015. Quick Response. Unit 4 - Good Debt, Bad Debt: Using Credit Wisely Quick Response Explain how you think credit cards work. How much do you have to pay every month? What happens if you pay late? What kinds of fees are involved? Unit 4 - Good Debt, Bad Debt: Using Credit

More information

Meeting Swedish Society Thursday 26th. Of April The Amari Hotel Hua Hin 19.00 hours.

Meeting Swedish Society Thursday 26th. Of April The Amari Hotel Hua Hin 19.00 hours. Meeting Swedish Society Thursday 26th. Of April The Amari Hotel Hua Hin 19.00 hours. Welcome to the Audience and it s the intention to keep the information talk not to be longer than 30 minutes. Many thanks

More information

USING CREDIT WISELY AFTER BANKRUPTCY

USING CREDIT WISELY AFTER BANKRUPTCY USING CREDIT WISELY AFTER BANKRUPTCY Copyright April 2011, Legal Aid Society of Hawai`i All rights reserved. These materials may be reproduced. However, under no circumstances are persons receiving these

More information

Give your paycheck the guarantee that life never promises you.

Give your paycheck the guarantee that life never promises you. Group Benefits from The Hartford Give your paycheck the guarantee that life never promises you. Long-term Disability Group Benefits from The Hartford You re a good provider, not a superhero. I f you re

More information

Updated June 14 th, 2013.

Updated June 14 th, 2013. Updated June 14 th, 2013. 1 Starting October 1, small businesses will have access to an exciting, new and streamlined way to offer health insurance to their employees for 2014 and future years. It s called

More information

LANDLORD INSURANCE MADE SIMPLE

LANDLORD INSURANCE MADE SIMPLE LANDLORD INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance PROTECT YOUR ASSETS There's more to being a landlord than earning rent. You need to juggle lots of things

More information

Tenant s Contents Insurance + Tenancy Liability. Tenant s Insurance

Tenant s Contents Insurance + Tenancy Liability. Tenant s Insurance Tenant s Contents Insurance + Tenancy Liability Tenant s Insurance Hundreds of thousands of tenants living in rented homes across the UK choose HomeLet to provide them with the protection they need A HomeLet

More information

Definitions: Insurance premium compensate insurance policy insurance broker

Definitions: Insurance premium compensate insurance policy insurance broker 1) Definitions: Insurance is an arrangement in which an insurance company compensates a person or a company for a specified loss caused by e.g. an accident, fire, injury, illness or death in return for

More information

Participant Guide Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum

Participant Guide Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum Loan to Own Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum Table of Contents Page Lending Terms 1 Consumer Installment Loan Versus Rent-to-Own 2 Federal Trade Commission

More information

Let s get started with your Ffrees Account

Let s get started with your Ffrees Account Let s get started with your Ffrees Account Now that your Ffrees Card has arrived, this handy guide will give you any information you need to get started with your brand new Ffrees Account. Step 1 Activate

More information

Understanding the Requirement to Have Health Insurance

Understanding the Requirement to Have Health Insurance What You Need to Know about Health Insurance Requirement to Have Health Insurance Understanding the Requirement to Have Health Insurance About this fact sheet Starting in 2014, everyone must have health

More information

How to Choose the Right Credit Card Processing Company

How to Choose the Right Credit Card Processing Company How to Choose the Right Credit Card Processing Company How To Choose The Right Credit Card Processing Company If you're in business these days, you need to accept credit cards. The problem is, which type

More information

NEW JERSEY AUTO INSURANCE BUYER S GUIDE

NEW JERSEY AUTO INSURANCE BUYER S GUIDE NEW JERSEY AUTO INSURANCE BUYER S GUIDE AD9460ARR-0704 American Bankers Insurance Company of Florida American Bankers Insurance Company of Florida 11222 Quail Roost Drive, Miami, FL 33157-6596 NEW JERSEY

More information

Guidance. For use in the United Kingdom. Letter regarding mortgage debt or arrears

Guidance. For use in the United Kingdom. Letter regarding mortgage debt or arrears Guidance For use in the United Kingdom Letter regarding mortgage debt or arrears Contents Purpose of this document What can you do about mortgage arrears? Mortgage rescue schemes Selling your property

More information

Homeowners Insurance. Don t Forget The

Homeowners Insurance. Don t Forget The Homeowners Insurance Don t Forget The A guide to protecting your home and personal possessions Are you buying insurance on a new home, selling a home or just wanting to gain a better understanding of the

More information

Prepared by the National Association of Insurance Commissioners. This guide does not endorse any company or policy.

Prepared by the National Association of Insurance Commissioners. This guide does not endorse any company or policy. Prepared by the National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory officials. This association helps the

More information

CAR INSURANCE MADE SIMPLE

CAR INSURANCE MADE SIMPLE CAR INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance WHAT IS CAR INSURANCE? Car insurance, also called motor insurance, protects you if you are involved in a collision

More information

Life and Disability Insurance. Does your insurance add insult to injury?

Life and Disability Insurance. Does your insurance add insult to injury? Life and Disability Insurance Does your insurance add insult to injury? I N S U R A N C E S E R V I C E S At Island Savings, we make sure you know exactly what s covered before illness or injury strike.

More information

GUIDE TO DEALING WITH DEBT

GUIDE TO DEALING WITH DEBT GUIDE TO DEALING WITH DEBT CONTENTS Page 4 Where do I start? Page 5 Do I have to pay? What can I afford to pay? Page 7 Who to pay first? Page 10 What can I afford to pay on my Credit Debts? Page 12 What

More information