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Disability Isn’t the Way Out:
For some people, the above scenario is real. In the United States, half of all bankruptcies are directly because of illness. Most people just assume that the disability coverage will help them through this tough time- at least until they realize that their policy takes up to three months to kick in; due to the high cost of medical care, three months could be a million years- as the $10 Josh Jones Youth Jersey ,000 may not even last through the first few weeks.
Will Critical Illness be the Rescue?
Before you start to panic, though, let us tell you about a South African surgeon; Dr. Marius Barnard is famous for his part in the world’s first heart transplant. Dr. Barnard felt disgust with how medical bills could cause his patients to be pushed to debt and, as a result, could affect their recovery. So, he decided to do something to change it: critical illness insurance- a coverage that pays out a full lump sum when you are diagnosed with a condition that is outlined in your policy.
Spread the Word:
Though it is currently offered in 54 countries and has gotten more popular in the recent years Kevin King Youth Jersey , most Americans have no idea what critical illness insurance is. This is only one of the reasons why Americans need a designated Critical Illness Awareness Month- as it gives a larger push to educate consumers.
Over 75% of people over the age of 40 are diagnosed with a critical illness at some point. If these individuals had an extra twenty-to-one-hundred thousand dollars, then they might be able to make a full, fast recovery without being worried about finances. Following a devastating diagnosis, your critical illness policy can provide the extra money that you need to close the gap. This is an under-appreciated safety net that is able to keep you and your family safe from the devastation that a critical diagnosis can bring.
These risks are scary enough, which makes the month of October the perfect opportunity to educate the ones that need to hear about this the most.

In a time where lots of people are still struggling to be able to secure full time work and others finding themselves suddenly out of work, more of our hard earned money being taken couldn’t have come within a worst time period. The increase also looks set to hit those who are already considered to be financially vulnerable the hardest.


With the Guardian revealing that “(The) VAT increase from 17.5% to 20% will cost each household around ?520 a year” and Ed Milliband Josh Jackson Youth Jersey , Leader of the Opposition arguing that the tax rise could mean that it costs the average homeowners around ?7.50 weekly, the future looks rather bleak for the public.


Exactly how much is the raise?


Although the tax is increasing by 2.5%, the price you pay won’t increase by 2.5%. The reason for this is that some of that price is already Value Added Tax: the latest rate will only be charged on the price before VAT is put on.
One example is, a teddy which would have set you back ?9.99 at 17.5% VAT would now cost you ?10.
In many instances, this would mean that some thing which would have cost ?100 before the tax hike, will set you back ?102.13 today.


Will all items be affected by the VAT raise?


No Jaire Alexander Youth Jersey , don’t worry! Not everything will be affected. Necessary buys including children’s clothing, food and magazines remain at 0% VAT and goods such as electricity and gas are at 5% VAT.


The items that will be charged at 20% VAT would be things such as televisions, takeaways, bikes and teddies. Unfortunately, for regular pub goers, you might find that your standard pint has been increased by as much as 6p!


What exactly does this VAT increase mean in my circumstances as a road or train user?


. Unfortunately for car users Ty Montgomery Womens Jersey , there has been a double whammy of increases. The merged effort of an rise in fuel duty along with the price of crude oil is the reason why the average price of a litre of unleaded fuel has been pushed to ?1.24, while diesel will be costing typicall. Cheap Jerseys China Cheap Jerseys Wholesale Cheap Jerseys China Wholesale Cheap Jerseys China Free Shipping Cheap Jerseys Free Shipping Cheap NFL Jerseys China Free Shipping Wholesale Jerseys Cheap NFL Sports Jerseys Wholesale Jerseys Cheap New Soccer Jerseys



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