Friday, December 14, 2018

Knowing Aflac and the Insurance Plans Covered - Auto, Disability Insurance and Health Care

There is virtually no way to avoid being bombarded by commercials and advertising aimed at selling you the latest and greatest car, truck or SUV. Whether you choose what you drive for “status” or if it is merely a transportation necessity, the automobile is a part of daily life in North America.

And for every automobile ad you see or hear, there is likely to be an auto insurance ad nearby. After all, if you have a car, there is a very good chance that you have car insurance. But do you have enough? And do you have the right insurance? Far too often we discover the deficiencies in our insurance coverage after it is too late.

For a family living on a fixed budget, with little or no savings, a major automobile accident can be a significant setback. Even if your auto insurance covers damages to property and your liabilities, there are often collateral expenses that are not covered and can be a significant financial burden. 

Fortunately, Aflac, an insurance carrier, has an insurance product which helps policyholders in time of need when their primary auto insurance is not enough. Aflac car insurance, however, is not your typical auto insurance policy, which can create confusion for those trying to understand exactly what insurance options they have with Aflac.

To help you better understand, Aflac is a known as a supplemental insurance company, meaning, Aflac covers what typical insurance coverage exempts. These exemptions might include lost wages. 

Therefore, the Aflac auto insurance policy, supplements disability insurance policies. As such, an Aflac auto policy may only be purchased as an addition to insurance from a typical carrier. Such a safeguard may be a wise investment for those unforeseen extra liabilities that you may encounter after an accident.

Understanding Aflac Car Insurance

Vehicular accidents are unpredictable and sometimes fatal. The bills that come thereafter can be financially crippling, affecting your family’s economic stability. You may require time off work to recover, during which you still need to pay your bills. 

In the long run, if not well prepared, the stress of juggling between paying hospital bills and meeting your family’s everyday needs can make your present and future financial stability. In extreme circumstances, bankruptcy may be the end result.

To help reduce that stress and burden, Aflac provides a lifeline by providing disability insurance policies, including an auto insurance supplement - that is why there is no Aflac auto insurance, per say. 

The Aflac car insurance policy is like an insurance for your insurance. It kicks in when the policyholder is incapacitated after an accident and unable to return to work in a timely manner. The Aflac policy provides additional financial resources to keep the bills paid and the bank account balanced when income stops as a result of an accident.

Aflac has become a globally popular supplemental insurance provider and there are several reasons customers are finding Aflac auto insurance worth the investment.

To start with, several Aflac car insurance plans include rider insurance

A rider insurance option comes in handy as it addresses any extra medical costs resulting from the accident and gives the victims a recurring income. The accident victim still receives an income while recuperating. The rider insurance is very expensive not offered by most insurance companies that alone should help you see why Aflac’s plan is so popular.

Since the rider insurance is not affordable to all, Aflac has a supplemental insurance provision which extends to what other auto insurers will not cover. That is, the Aflac car insurance takes care of dental care, daily income expenses, intensive care, short-term lost wages, ambulance services, emergency room costs and extended hospital stays. With all these being included in the insurance plan, why would a policyholder opt out of Aflac?

Aflac Claims- Car Insurance

With a better understanding of the Aflac car insurance policy, one can’t help but wonder how effective Aflac is in terms of paying out a victim’s claim. Some insurance providers manage their policyholder claims through third party companies, which can be a great inconvenience to the policyholder. Aflac does things a little differently

Once an Aflac car insurance claim is made, Aflac makes payment directly to the customer with no third parties involved. This reduces delays in payment and frustration on the part of the insured party. Additionally, Aflac has a great deal of care for its customers, demonstrating this through offering immediate benefits to a victim’s spouse in case of serious bodily harm.

Aflac’s ability to pay claims quickly and efficiently not only saves the victim and family members a great deal financially, but also provides them peace of mind while the afflicted receive necessary medical attention.

Disability Insurance

Notwithstanding the unique Aflac car insurance, this insurer differentiates itself from other insurers particularly in its mode of operation. Instead of your typical insurance coverage, Aflac treats companies, non-profit organizations and individual clients to the disability insurance coverage. Their product ensures that the policyholder does not endure financial struggles after being injured while on the job or if they fall ill which leads to an inability to work.

Aflac’s medical and disability plans protect companies as well. Aflac offers plans that can be purchased in terms of group coverage. The group policy covers all employees in circumstances of illness or injury. The coverage comes into effect if they are incapacitated while on the job. All an employer has to do is to file a claim and will be ensured that their employee will be handed a financial lifeline.

The Aflac disability insurance plan is everything you will need, not only for your vehicle. Whether you are an individual or a group, this coverage will be your solution in times of accidents.


One might assume that since Aflac’s services are aimed at helping people meet their medical needs, there must also be an Aflac health insurance plan. Sadly, there is none. Aflac has, however, designed the disability insurance to work together with a policyholder’s health insurance coverage. Thus, there is no Aflac healthcare coverage.

A policyholder may only be eligible for Aflac’s insurance with an existing health insurance plan. In fact, many insurance providers will present their own policyholders with Aflac’s policy option as a way to supplement the purchased health insurance plan. The wide range of medical costs covered by Aflac is definitely worth supplementing the standard health plan.

About Aflac

There is no argument that the Aflac duck is the best corporate mascot ever. But the duck alone is not the star of the show. Founded in 1955, Aflac has gained worldwide popularity as a result of consistently meeting their customer’s needs and keeping their promises. Aflac has millions of satisfied customers with policies that include vision, dental, accident, cancer, life, short –term disability, hospital indemnity and hospital intensive care covers.

Aflac’s claim-handling procedures sets them apart from their competitors. Policyholders can file their claims on their website or over the phone. Claims are typically paid within a few days and, in some instances, on the same day, reducing stress and financial burdens for their customers. 

Aflac’s world class customer service has made it a trusted name in the insurance industry. This is, after all, what defines a good insurance company and customer relationship. Although Aflac is not the only option for supplemental insurance, it has built itself a name through exemplary service.

Through the decades Aflac has extended its services across the United States, Canada, Japan and other nations, proving that supplemental insurance can ease people’s financial struggles in times of accidents and illnesses.

Aflac’s excellent customer service and unique delivery of insurance plans makes it a top option for your supplemental insurance needs. Do yourself a favor by insuring yourself against unexpected accidents and financial stress with Aflac automobile insurance or disability insurance.

Thursday, December 13, 2018

Determine Your Loan Payments with Ease Using Apps

I’m not currently on the market for a loan, but late night deep-dives into the internet can end in weird places. After one of my Googling sprees the other night, I discovered that there are tons of loan calculator tools to help you save, budget, invest and borrow money - all in the form of apps. 

You can calculate payments, interest, and the cost of credit all from your phone. That’s nuts to me and I didn’t believe it until I accidentally came across a top 10 list of the best loan calculator apps by a website called AppGrooves (I’ll include a link in case you feel like taking a look for yourself) and decided to see if any of them were helpful or if they were mostly just a waste of time.

I was honestly pretty shocked to find out that you can calculate your car, home equity, student, mortgage and VA loans with a personal loan payment calculator on your mobile device, and it actually works. 

In fact, I was so happily surprised by some of these apps, I wanted to bring them to your attention right away so you wouldn’t miss out if you are someone who needs a loan now.

Loan Calculator

Trying to determine your auto loan payments? I would recommend you take a look at Loan Calculator. Not only can you do everything you’d expect to do with an auto loan calculator, you also have an assortment of additional features like calculating your payments based on your loan amount, or doing the reverse and calculating the amount of the loan you can take out based on the monthly payments you can afford. 

Loan Calculator can even account for early payments and track any loan you actually do take out, so you know exactly what you’re paying at all times.

I do think it’s important to note that, at this time, Loan Calculator does not have an option for making down payments. On the other hand, it does appear that the developer is actively involved with the users and may be making an update to include this soon. So, if this is something you really want in a loan calculator, keep these things in mind.

Loan Calculator - What If?

Loan Calculator - What If? is particularly useful if you’re interested in finding potential answers to a variety of “what if?” scenarios over the course of your loan. All you have to do is enter the data for your loans and it acts as a car loan calculator, showing you the interest and amortization schedule, which I think is really helpful. 

You can also enter unique “what ifs,” like if you paid more or less for a period of time, so you can see how your monthly and total payments might change.

Loan Calculator - What If? works well, but I think some users who are less experienced with loan calculators may find the “what if” interface a little confusing. Just go into it expecting to spend a little extra time getting the hang of all the features.

Loan Calculator IQ

If you’re on the market for something a little simpler, Loan Calculator IQ is another good option. You have the ability to quickly enter the monthly payment, interest rate, loan amount, and the loan term to get graphs of all the relevant information, which is really helpful if you’re anything like me and you need visuals to help you understand key concepts. 

Of the apps I’m recommending here, this is the only one that offers graph displays of the information, so that’s something to note if you prefer to see the numbers laid out visually.

You might want to also be aware that Loan Calculator IQ does not calculate compound interest rates, so if you’re looking at an APR, the calculation will likely be off. But if you’re just interested in an app you can use for simple ballpark calculations or you know for sure that your interest rate won’t be compounded, then you’ll be fine.

Loan Calculator %

Basic, basic, basic, that’s what Loan Calculator % is, so if you’re new to the game of loan calculations, this is the one I would recommend to you. All you have to do is plug in the loan amount, the loan term or length, and the interest rate, and the app determines your monthly payments, monthly interest, total interest, and total payments. You can get it all done in one go, which makes the whole experience easier and less stressful.

However, Loan Calculator % is so simple that it does not provide an amortization schedule; a feature a lot of apps like these other apps include. If that’s not something you’re interested in, then don’t worry about it. But, if an amortization schedule is important to you, then Loan Calculator % might not be the app you’re looking for.


I’m honestly so pleased that I found these great apps because I know that when I am finally ready to take out a loan, I will have the tools I need to make it simple and stress-free. Whether you are ready to take out a loan tomorrow or you just like to be prepared, I highly recommend you check out at least one of these loan calculator apps to make your entire personal loans experience better.

Wednesday, December 12, 2018

Five Simple Steps to Finding the Right Loan

Submitting a loan application isn’t something to be taken lightly. Whether you are looking to borrow £1,000 or £100,000, it’s important to know you’re getting a deal that suits your requirements and budgets.

These days, there’s no shortage of options to explore. If anything, you’re more likely to find yourself wondering where to start.

So with this in mind, what follows is a brief overview of the five simple steps that stand between you and your perfect loan:

1. Consider if you really need a loan

Before going any further, it’s worth considering whether or not you actually need a loan. The reason being that it’s never a good idea to take on additional debt for frivolous reasons.

In addition, you may also be able to cover the expense using your existing credit facilities. A credit card with a low APR, an interest free overdraft or perhaps the savings you’ve got stashed away in the bank. If there’s a way of getting things done without taking on additional debt, it’s an option to consider.

2. Check your credit score

These days, having an imperfect credit score doesn’t mean exclusion from financial support. Nevertheless, it could mean higher overall borrowing costs, or exclusion from certain lenders.

If your credit report is only slightly blemished, your application will probably be considered by most lenders. If your credit report is in a sorry state, you might want to target lenders who specifically cater to poor-credit applicants.

Always remember that denial of your application could inflict further damage on your credit report.

3. Evaluate your financial position

When applying for a loan, you need to consider your financial position beyond today. You may be able to cover the repayments right now, but what if things take a turn for the worse a few months down the line? Are you absolutely sure that no matter what happens, you won’t slip into arrears?

Taking chances is never a good idea. Unless you’re 100% confident in your capacity to repay the loan, you may wish to delay your application.

4. Compare the market in full

Comparing the market in full means looking beyond the High Street. Up and down the UK, there are dozens of specialist lenders who routinely offer secured and unsecured loans at rates that outperform those of major lenders.

Working with a specialist loan comparison website or independent broker is therefore advisable. Particularly for anyone with poor credit, who’s unlikely to be fairly considered by a major High Street bank.

5. Consider overall borrowing costs

Last but not least, the vast majority of loan products attach costs that go far beyond monthly and annual interest rates. Arrangement fees, administration fees, final settlement fees, late payment fees and so on – all stand to significantly increase the overall cost of the loan.

When carrying out your market comparison therefore, be sure to factor all borrowing costs into the equation. Once again, this is where an independent broker can help you compare the best deals on the market from specialist lenders across the UK.

Tuesday, December 11, 2018

Summary of MetaTrader 4 Free Trading Platform

The MetaTrader 4 software, which is often referred to as MT4, has a lot of options and newbie users find themselves overcome with the settings. If you've never traded with MT4 4 platform, you will find that it's basically a trading platform that leads to a window into the world of foreign trade. There is no doubt that it takes a while to figure everything out, there are really only a few MT4 settings you will need to know for trading.

Add Indicators

Probably the most useful features are the opportunity to add indicators, expert advisors,and templates to your trading window in MetaTrader 4. It is extremely valuable since there are a huge number of MT4 users,companies, as well as trading professionals and that, share their configurations for free or for a little payment.

MT4 Indicators Worth

Trading indicators help the consumer recognize price patterns and aid in live trading. You can find thousands of different indicators out there. Indications can produce purchase and sell signals obvious on the graphs. 

Within the MT4 platform, there are many built-in useful indicators,but users can also install custom indicators just according to their requirements. These custom indicators generally show much more information than the standard built-in ones. Indicators can also become areas of an Expert advisor.

Automated Trading

Expert advisors are made to automate trading. If you have a specific indicator that shows buy and sell signs, an expert advisor will carry out the trades on the signals. Additionally, Expert advisors have rules define each trading position based on specific trading strategy and money management.

Expert advisorsare usually paid by subscription,but there are also free ones available on trading forums. Using EAs is completely automated,so trades are executed without user insight. The risks of such an automated system are apparent, so most traders prefer to rely on trading indicators and live evaluation based on their market knowledge and experience.

Choice of Templates

In addition to Indicators and Expert advisors, there are custom templates that can be added to MetaTrader 4. Templates allow configuring the look and feel of your trading window. MT4 users often share templates with their settings.

Use Indicators Wisely

Now that you are thinking about using MetaTrader 4 and giving trading a go you have to understand that all indicators you use are just the helping tools. ,There are lots of indicators that will serve you well,but you have to use them carefully.

There is a stating 'The trend is your friend' which is often used in trading classrooms. If you possibly can just follow the developments you can make it as a successful trader. However, it can make a lot easier in theory. 

Specific indicators such as the Bollinger Bands and Moving Averages help to see what's going on and recognize certain market sentiments, whether it is bearish, going down or bullish, going upward.

The type of moving averages to use largely count on your trading strategy. They are one of the simplest indicators one can use to industry binary option or Forex using the MetaTrader 4 software.

Sunday, December 9, 2018

How Your Business Wastes Money When Everything Is Done In-House

Outsourcing specific tasks, operations or processes to a third-party provider seemingly wastes money unnecessarily. Because of this assumption, many companies keep all aspects of their operations in-house in an effort to conserve financial resources. However, a closer look reveals that this may not actually be the case. Your company may save money in various ways by carefully selecting aspects of your operations to outsource to specialists.

The Efficiency of Skilled Experts

Experts and specialists have considerable training and education in complex concepts, tasks and more. Their expertise may enable faster and more effective completion of related tasks than what you may accomplish on your own. 

For example, a tax accountant may be able to prepare your business tax return much faster than you could do. In the process, a professional accountant may identify more opportunities for tax savings. This is only one of many service providers that may provide savings and quality in through their efforts. 

Another example could be a contract manufacturing company that can take some of the stress out of your supply chain customer relationship management or even handle it for you.

The Ability to Mass Produce Components

In addition to benefiting from outsourcing projects and activities to specialists to save time and money, you may benefit by outsourcing manufacturing tasks to third-party providers. 

Consider that some component manufacturers may be able to produce parts for your products at a much faster rate and at a more affordable price than you could. This may be because they already have a large infrastructure. 

It may also be because they are located in an area that has cheaper labor, lower overhead and other financial factors in place. Additionally, be sure to look online at sites like to see if they can offer more to your business than what you’re finding in person.

The Need for Additional Space and Resources

When your business completes operations and processes in-house, you inevitably need to have a much larger office or manufacturing space than you otherwise would need. This increases overhead because you are paying a larger rental or mortgage payment. 

It also impacts labor costs, utilities expenses, insurance costs and many other factors. When you compare the costs of maintaining a larger operation in-house versus outsourcing some tasks to third-parties, you may determine that outsourcing some aspects of your operations is cost-effective.

While it may be easy to assume that you can complete all aspects of your operations in-house at a much more affordable price than what a third-party may charge, this is not always the case. 

A close comparison of all options is necessary if you want to identify the most cost-effective way to run all aspects of your business. Remember to compare multiple quotes and to thoroughly vet third-party providers before entrusting them with any part of your company’s operations.

7 Tips for Making Your Small Business More Successful

Any business owner will likely tell you that being an entrepreneur isn’t easy. Most successful entrepreneurs have their fair share of stories of how the whole world seemed to be conspiring against them during their company’s early days. 

Most can also describe in detail the seemingly endless amount of setbacks they encountered on the road to success and what it took to overcome them. And most, when asked, “What’s your secret to success?” will echo the words of United States Army General Colin Powell, “There are no secrets to success. It is the result of preparation, hard work, and learning from failure.”

If you own or are trying to start a small business, you probably have a good idea of how difficult it can be, but you also probably know that if you play your cards just right, your small business can take off and become successful. Sure, being an entrepreneur can be hard, but that’s not all it can be. 

It can be fun, exciting, engaging, rewarding, and adventurous, among many other pleasant things. If you own or are trying to start a small business and are feeling like the whole world is out to get you and are wondering what you can do to change that, here are 7 tips for making your small business more successful.

Step 1: Find a Mentor

If you don’t have one already, the first step you should take to get your small business going in the right direction is to find a mentor. There are plenty of successful business owners out there who would be willing to sit down with you and give you advice, or agree to mentor you and walk you through how to improve your business. 

A lot of good resources can be found online, and online mentors can be just as effective as in-person ones. Having a mentor is invaluable, so if you don’t already have one, that’s a great place to start.

Step 2: Get Some Feedback

When you’re looking for feedback, focus on two groups of people:

Your employees. They know better than anybody about what can be changed internally that would make a positive impact on the company.
Your customers. They are the ones engaging with your product or service, and it is them whom you are trying to serve. Your customers can give you feedback on what they do and don’t like about your product or service, including pricing, functionality, usefulness, and more. 

Step 3: Observe the Professionals

Take a look at a few companies that are similar to yours and have done well. Make notes of what they do and don’t do that you like and don’t like. Pay attention to the differences between how they operate and how you do. This can give you valuable insights into the changes you need to make for your business to be more successful.

Step 4: Set Some Goals

Once you have talked to a mentor, gotten feedback from your employees and customers, and observed similar businesses that have done well, you should have a great list of what you could do to increase your chances of success. 

This is when it is important to take some time to set some goals that you want to work toward. Which aspects do you want to improve first? Where do you want your company to be in one year? Five years? Ten years? These goals will help keep you motivated and focused.

Step 5: Change Your Business

After you have set your goals, use the feedback you received to make the necessary changes to your business. Remember that what you were doing in the past is what got you to where you are now and that in order to get to where you want to go, you’ll need to try something different. Take the changes one at a time and things will improve before you know it.

Step 6: Improve Your Marketing

Marketing is fundamental to every business and can always be improved. Evaluate how effective your marketing is, then take steps to change it for the better. Focus on:

  • Reaching your target market
  • Defining your brand
  • Taking advantage of social media
  • Encouraging word of mouth marketing

Step 7: Realize that Failure Isn’t Final

If worse comes to worst and you decide to throw in the towel, realize that none of your efforts were wasted and that failure isn’t final. Realize that you have gained indispensable experience and knowledge that will help you in your daily life and with any future businesses you start or work for. 

Even skills like learning how to file bankruptcy as a small business owner are good things to know, so never count yourself out or think of yourself as a failure.

Join 1000's of People Following 50 Plus Finance
Real Time Web Analytics