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ผู้เขียน หัวข้อ: Country Fact and Event Around The World  (อ่าน 187 ครั้ง)



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Re: Country Fact and Event Around The World
« ตอบกลับ #2 เมื่อ: กุมภาพันธ์ 04, 2021, 12:00:56 PM »
Finding Travel Insurance After A Cancer Diagnosis
For people suffering from cancer and other serious conditions, finding adequate travel insurance can be tricky. But help is at hand from specialist companies providing great cover at reasonable cost

Finding suitable travel insurance after a cancer diagnosis can be fraught with problems. The premiums quoted online often cost more than the holiday or else any claim relating to the cancer is excluded.

Action is underway that should lead to better levels of insurance and more reasonable prices for those with medical conditions. But in the meantime consumers must know where to look to avoid buying inadequate cover.

All insurers and comparison websites will soon be required to signpost consumers with preexisting conditions to specialist travel insurers, whether they have offered them a quote for cover or not. It follows an investigation into this market by the regulator - the Financial Conduct Authority.

Andrew Williams, business development manager for specialist travel insurer Free Spirit, says: "The FCA is in discussions with insurers, and changes should be coming soon, which is great news for anyone with cancer or any other serious condition who has struggled to find insurance. Cover is out there for people in this situation but it can be difficult to know how to get it."

A recent survey by consumer group Which? found that when consumers with pre-existing medical conditions apply for travel insurance, around one in five are only offered cover that excludes claims arising from their condition and one in four faced inflated premiums.

"Research by Which? highlights the importance of speaking to a specialist broker or insurer when you have cancer or other medical condition," says Sarah Page, brand manager for specialist insurer Insurancewith. “Not everyone's situation is going to fit neatly into the tick boxes on a screen when applying for cover."

Ms Page adds: “At Insurancewith we can offer one-to-one medical underwriting and policies tailored to your specific needs so the price more accurately reflects the risk. This usually makes it much more affordable, particularly for someone with cancer.”

The type of cancer you have, its stage, your treatment and your medication will all affect the premium, as will your age - with older consumers typically having to pay more, as statistically they are more likely to claim.

Your choice of destination and the duration of the trip will also have a bearing on the cost. This is because the cost of healthcare in different countries varies widely. In Spain, for example, tourists will often be directed to private clinics when they need medical attention - this can vastly inflate the cost of a claim, compared to state-funded healthcare. Healthcare in the US and Australia, for example, can also be expensive.

The delay to Brexit means holidaymakers to European Union countries can continue to use the European Health Insurance Card (known as EHIC) for now - although future arrangements are unclear. EHIC entitles you to emergency state healthcare in EU countries. But consumers should not rely on this as an alternative to travel insurance. The standards of care may be much lower than with the NHS. It also won't cover the costs of repatriation.

The majority of insurers in the market use medical screening software called Healix, although a number use a different package called Protectif. The screening will ask questions about your condition and treatment to arrive at a 'medical score' before offering a premium cost for the travel insurance. As the two screening methods are slightly different it can be worthwhile getting quotes from a range of insurers that use different screening software.

Chris Rolland, chief executive at specialist insurer AllClear, says: "Declare everything. You will be asked to provide answers to set questions relating to each medical condition to ensure the insurer gets the information it needs to offer appropriate cover."

Using a broker can be helpful as it will look across a broad spectrum of providers to find you the best cover and price for your needs. The British Insurance Brokers' Association (BIBA) website at biba. org.uk can help you find one.

For most people with cancer and serious pre-existing conditions, and even those with a terminal diagnosis, it should be possible to find cover at a reasonable cost, although in some circumstances specific and tailored underwriting may be necessary.

Fi Munro, 33, from Errol, Perthshire, was diagnosed with stage-4b ovarian cancer in January 2016. She has since written a book How Long Have I Got?, set up an award-winning blog - Live Like You are Dying - and started her own businesses teaching yoga and meditation.

Fi says: "After the diagnosis I just wanted to live my life in the way I wanted and without barriers. I love to travel, but looking around for insurance that would cover me and my cancer was so difficult.

"A medical professional recommended that I speak to Insurancewith,” she adds. “I just couldn't believe the difference in its approach - and also the cost. It was so much cheaper than the mainstream brands that I'd previously been looking at."

Fi takes out single-trip cover for each holiday. Cover for her and her husband, Ewan, for a two-week trip to France in April cost ?85, for example. It is a stark contrast to the hundreds of pounds she could be charged with less specialist insurers. According to experts, it is a good idea to take out joint cover with the same insurer, even where one person in a couple does not have any preexisting medical conditions. The cost should not be any higher.

Mr Williams at Free Spirit says: "There could be complications if you need to cancel your trip due to illness, but your partner's separate insurance won't cover the cancellation."

Insurer AllClear offers Travelling companion' cover for travellers who are insured with a different provider for cancellation or curtailment as a result of the pre-existing condition of their travelling companion under AllClear. Think about purchasing travel insurance even for trips booked in the UK - because cancellation is among the main reasons for claiming on a policy for those with medical conditions.

How to Keep Premiums Down Shop Around:
Do your research and speak to different specialist insurers. A broker should be able to scour the market to find different policies to suit your needs at a reasonable price. Opt for a larger excess: By agreeing to pay a higher excess - the first part of any insurance claim that you must pay - it may be possible to lower the premium. Book holidays closer to the time of travel: If you can reduce the risk of cancellation due to ill health and can exclude cancellation cover from your insurance this should bring the premium down.

Consider changing destination and reduce length of trip: Insurance for travel to some countries will be much more expensive, so if you have not yet booked your trip talk to insurers and find out where might be cheapest. Shorter trips mean a lower risk of a claim and will bring insurance costs down.

Most insurers will ask about any treatment or prescribed medication you have taken within the last two years, or if you have been an in-or outpatient at a hospital, clinic or GP in the same time frame. It means if you had cancer three years ago, for example, but you can answer 'no' to these questions you will not need to declare the cancer and your premium should be much lower.

Cost Was Greater but Reasonable
Many holidaymakers with pre-existing conditions decide to take a gamble and travel without insurance because they feel the premium cost is unaffordable. But this is a high-risk strategy.

John Carpenter was extremely glad he had taken out annual travel insurance when he was forced to cancel a cruise he had booked for his wife Linda's birthday last year, after a lump appeared in his neck and he needed urgent chemotherapy.

John, in his early-60s, had been diagnosed with lymphoma in 2016. At that time doctors advised him to wait and see because his symptoms did not warrant immediate treatment. John and Linda, who love to travel, continued to take many holidays each year - although, due to his cancer, John now took out cover with specialist insurer AllClear, rather than buying cover through his travel agent as he always had done in the past.

“At ?500 for annual worldwide cover my condition did mean a significant increase to the cost of cover," says John. "But I felt it was reasonable considering the cruise I had planned and that it included the US, renowned for its high medical costs."

The couple received a 25% refund on the cost of their ?3,000 holiday from the cruise company and luckily, the terms of AllClear's cover meant that they could reclaim the remainder on their insurance, minus the ?250 excess.

"We were sent an email confirming our claim had been successful within two days," says John, "and the payment was in my bank account within seven days of making the claim.”

John responded well to treatment and has stem cell therapy planned. He has been advised he is well enough to go on holiday before this treatment starts and AllClear has provided a new policy, taking into account his current medical situation. He has taken out a single trip policy for ?200 for a seven-night break to Turkey.
BY JO THORNHILL
Souce Moneywise


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Re: Country Fact and Event Around The World
« ตอบกลับ #3 เมื่อ: กุมภาพันธ์ 04, 2021, 12:01:34 PM »
How to avoid overdraft fees
“Your bank is getting fat off your overdraft fees,” said Darla Mercado in CNBC.com. Banks are still making a “bonanza” charging customers who have insufficient funds in their accounts, despite regulations that went into effect in 2010 barring them from assessing fees on customers who don’t opt into an overdraft protection program. Through the first three quarters of 2016, big banks reaped $8.4 billion from overdraft fees, according to a new report from the U.S. Public Interest Research Group. That’s up 4 percent from the same period in 2015. The median overdraft fee is $34, according to the Consumer Financial Protection Bureau. So, if you have a low balance, “think twice before you swipe that debit card.”

“That fee of $30 or $35 might not seem like much,” said Ben Steverman in Bloomberg.com. But the median debit card purchase that triggers an overdraft is $24, which means most overdraft fees are essentially high-interest loans. Customers must by law opt in for overdraft protection, but thanks to fine-print contracts, many don’t remember signing up in the first place. In a Pew Charitable Trusts survey conducted in 2014, more than half of overdrawing consumers didn’t recall opting in for coverage, while more than two-thirds said they’d rather have a transaction declined than pay a penalty. “An overdraft fee may save you embarrassment in the checkout line, but most consumers would rather keep their $35.”

Banking locally may not be a saving grace, said Ann Carrns in The New York Times. “Small banks are not much better than big banks when it comes to the fees they charge customers.” A new study by Pew released last month found that the typical overdraft fee at a community bank is $32, and that all of the nearly four dozen banks surveyed allowed customers to run up fees of at least $90 per day; some permitted much higher daily totals if a customer kept using his debit card without realizing he was overdrawn. “On the plus side,” smaller banks are less likely to reorder a customer’s debits from largest to smallest, “a practice that tends to increase the number of overdraft fees the bank can charge.”

To stop yourself from piling up penalties, keep a buffer in your bank account, said Heather Yamada-Hosley in Lifehacker .com. To determine the right amount, calculate your monthly income, your regular bills including rent, utilities, groceries, and transportation, and when they come due. Then estimate any additional expenses or likely outlays to figure out how much money you need to have in your checking account at any given time. Add a cash cushion—say $200—on top of that to avoid overdrawing on incidental expenses. “It may seem simple, but if it were, no one would overdraw.”



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Re: Country Fact and Event Around The World
« ตอบกลับ #4 เมื่อ: พฤศจิกายน 11, 2021, 11:49:06 AM »
Save money: 11 golden rules to remember before you turn 40

You can save money with simple actions and lifestyle habits that are easier to develop than you might think. Don't wait any longer and start getting rich today.

Pay off your credit cards every month
In 2019, 29% of Canadians had an outstanding credit card balance of $ 28,000 . The average American is in debt of US $ 7,000 ($ 10,250), racking up fines on their credit cards. It's the biggest financial mistake you can make in your 20s or 30s, says Carla Dearing, financial planner and CEO of SUM180, a digital planning service.

“Too many people underestimate the impact of small credit card debt, but do you know what carry-over amount is tolerable? Zero". With their high interest rates, monthly credit card payments should be a top financial priority. Paying as you go is one of the financial habits of people who are not in debt.

Save 6 months worth of expenses
Half of adults don't even have $ 400 in reserve for an emergency, well below what they would need in a more serious situation, such as a layoff, says Carla Dearing. Better not to follow these tips if you want to save money!

“Everyone knows they have to save, but this is where they hit a roadblock. The important thing is to define the right amount. " And the amount is what you would need to cover your living expenses for six months. Just taking them all down is a huge step in setting up a savings strategy. But here are some inspiring leads.

Do a 30-day spending fast
Juice and water fasting is dominant in the food business, but one that would benefit you the most is financial. That means a full month with no expenses other than running bills, and saving all the money you haven't spent, says Carla Dearing. This month without spending will not only be a good start for your savings account, but also an awareness of your multiple wastes that will motivate you to pursue your small savings. Save real money with these tips and tricks.

Know what a TFSA is
Do you know what a TFSA is? Or an RRSP? Do you have financial retirement goals? “People would love to know, and shouldn't let their ignorance cripple them,” says Carla Dearing. The positive side is that, in Canada and despite the pandemic, " more than two-thirds (64%) of Canadians have contributed or plan to contribute to their registered retirement savings plan (RRSP) , just like the previous year" , reports a bank survey. In the US, one of the most popular plans, the 401K, is not so successful, and 42% of adults across the border are said to have no retirement funds, according to Motley Fool. Carla Dearing's advice: check with your bank, try to contribute monthly and take advantage of your employer's retirement savings incentive programs.

Monitor your credit reports
You can get a free credit report in Canada which you should take advantage of. "It is very important to keep control of your credit rating, which is used, in particular, to assess whether you will be able to pay your rent and your insurance," says Carla Dearing. A good credit score is generally between 660 and 724, and an excellent one, 760 and above. You should check your credit report for old forgotten loans, unpaid bills or fraud reports. These problems take a long time to resolve, and it is never too early to start solving them.

Establish a monthly budget
At a time when financial balance was needed, a budget seemed to go without saying, says Carla Dearing. But in our electronic world, many are unaware of the debit and credit in their accounts. However, this is all the more important since you now have various types of accounts, which seems to complicate the exercise even further. “No need to rack your brains over complex expense breakdown tables, a simple spreadsheet is all it takes,” she adds. And with new apps, you can even track your budget right on your cell phone.

Pay off your student loans
The median debt for 2015 graduates was $ 17,500 in Canada , a figure that has remained relatively stable since. Student loans , which holders haven't paid much attention to, resurface after graduation, and can become a huge financial strain, Carla Dearing recalls. She advises distinguishing between the type of loan and seeing if you qualify for the government's repayment assistance program . For private loans, you could always negotiate an advantageous consolidation of your debt with your creditors. (By the way, by using these everyday items, you could save money!)

Buy term life insurance
Life insurance, like a retirement savings account, seems confusing and often overlooked, Carla Dearing continues. But it doesn't have to be complicated. “You just need to buy term insurance for 20 to 25 years, or until your children's schooling (if you have any). There are many inexpensive plans out there, and this is one of the best decisions for yours and for your peace of mind. ”

Invest in real estate
A growing number of young adults are pushing back home buying in favor of less restrictive rental, but wrongly, according to Carla Dearing. “Real estate is not just for rich heirs! A house is the first source of wealth for most people. Real estate capital gains always exceed stock market returns. ” The only reservation is the 20% deposit that must be paid, she emphasizes. But if a house is too expensive, why not invest in a duplex, triplex, or other plex with family members, or increase the real estate stocks in your portfolio.

Beware of identity theft
Never throw your financial statements in the trash without looking at them (it's the virtual equivalent of erasing emails before reading them). Balance sheets and electronic alerts from your bank, credit card issuers and loan holders are one of the first tools you can use to spot suspicious activity, says Carla Dearing. This is essential, as the correction and the impact on your finances will be proportional to the duration of the flight.

Live within your means
It is the basic principle of personal finance management that seems, however, to elude most of us! “It's not as hard as you think!” Carla Dearing concludes. Essentially, it's about discovering new tactics to increase your income and decrease your expenses. ” And in this world ruled by the Internet, this process is simplified as never before. Buy used goods on Craigslist, sell your items on an online store like Kijiji , trade your goods and services on apps… these are just a few examples of a creative process that could open up a world of possibilities. But beware: even rich people never buy these things!

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Re: Country Fact and Event Around The World
« ตอบกลับ #5 เมื่อ: พฤศจิกายน 11, 2021, 11:50:08 AM »
Dream Interpretation About Snake
Dream interpretations according to ancient texts related to dreaming interpretation of snakes with the meaning of dreams. And hit the lucky numbers from dreaming of seeing snakes as follows:

Dream interpretation snakes strap
Dream about a snake tying a search term, a garter snake, a snake, a slithering snake
meaning
Dreaming that a snake is strapped or slithering around the body, guessing that if you are single, you will meet your soulmate suddenly Notice that the dream If the snake bites the height of the body, such as strangling the neck, strangling the waist, the soulmate is lower than if it is a family member. In that dream, if you hold hands with the snake's body, you will receive a fortune as a son or a stray fortune, floating from a big gamble.

Dream interpretation of snake bites
Dreamed that a snake bites a search term, snake bites, snake bites, snake bites legs, snake bites head.
meaning
Dreaming that a snake bites, predicts that an enemy of the opposite sex will be malicious. or get favored by neighbors If the snake bites low It is a little misfortune, if the bite is high, it will be very bad. or otherwise will be ill due to travel accidents

Dream interpretation of seeing a cobra
Dream of seeing a cobra, search term, cobra, snake, snake bite
meaning
Dreaming of seeing a cobra predicts that hidden love may be revealed. If anyone has an affair or love that is hidden they may be caught.

Dream interpretation of seeing a python
Dreaming of seeing a python, a search term, a python, a snake, a slithering snake, a large snake
meaning
Dreaming of seeing a python predicts that there is a chance to find love that may be your true mate. And this love must endure in order to be successful.

Dream interpretation of seeing a king cobra
Dreaming of seeing a king cobra, a search term, a king cobra, a snake, a snake bite, a slithering snake
meaning
Dreaming of seeing Jong-Ang predicts that hidden love may be revealed. If anyone has an affair or love that is hidden they may be caught.

Dream interpretation of seeing a green snake
Dreaming of seeing a green snake, a search term, a green snake, a snake, a slithering snake
meaning
Dreaming of seeing a green snake predicts the beginning of a new relationship. It could be a new friend or a new lover.

Dream interpretation of catching a snake
Dreaming of catching a snake, a search term, catching a snake, a snake
meaning
Dreaming of catching a snake predicts that you may have a secret crush on someone. Or you may secretly like someone.

Dream interpretation of killing animals
Dream of killing animals, search terms, kill animals, kill snakes, kill cows, kill buffalo, kill tigers, kill snakes, kill dogs, kill pets, kill mad dogs, kill mad dogs
meaning
Dreaming of killing animals such as cows, buffaloes or domestic pets, predicting that they will be in trouble. because of the loss of love or family members in the house If you dream that you kill a poisonous animal such as a snake, a mad dog or a tiger, predict that you will be out of luck or a malicious enemy will defeat us if it is a case that will win.

Dream interpretation of the naga
Dreaming of seeing a Naga, a search term: naga, dragon, big snake, serpent, witness
meaning
Any woman dreaming that Naga or dragon or serpent comes to strangle us, guessing that who is single will get a partner. or get fortune from adults.

Dream interpretation of seeing a dragon
Dreaming of seeing a dragon, a search term, a dragon, a serpent, a serpent, a big snake
meaning
Dream of seeing a dragon or a serpent According to their own views in the house, predict that they will receive the patronage of an adult. or will receive a fortune by taking a risk.

Dream interpretation of a hole
Dreaming of a search word hole, a hole, falling into a pit, a snake pit, a snake pit
meaning
Dream of walking into a snake pit or the hole has broken tiles At the bottom of the hole, guessing that you will be out of luck or get out of disease or will suffer and have good fortune.

19 Most Frequent Dreams in the World
What Does It Mean to Dream of Owls
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What Does It Mean to Dream of Chocolate
What Does It Mean to Dream of Doors
What Does It Mean to Dream of Stars
What Does It Mean to Dream About Work
What Does It Mean to Dream of Elephants
What Does It Mean to Dream of Snow
What Does It Mean to Dream of Birds
What Does It Mean to Dream of Gold
What Does It Mean to Dream of Ghosts
What Does It Mean to Dream of Celebrities
What Does It Mean to Dream of Dolphins
What Does It Mean to Dream of Traveling
What Does It Mean to Dream of Bears
What Does It Mean to Dream of a War
What Does It Mean to Dream of Rain
What Does It Mean to Dream of Sharks
What Does It Mean to Dream of Bulls
What Does It Mean to Dream of Crocodiles
What Does It Mean to Dream of Snails
What Does It Mean to Dream of Crabs
What Does It Mean to Dream of Saving Someone
What Does It Mean to Dream of Garbage
What Does It Mean to Dream of Packing Your Bags
What Does It Mean to Dream of Fog
What Does It Mean to Dream of an Operation
What Does It Mean to Dream of Jewels
What Does It Mean to Dream of Roses
Dream Interpretation About Snake
Dream Interpretation About King
Dream Interpretation List

 

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