As a small business owner, you know the importance of being able to offer your employees health insurance. You also know the expense associated with it. What do small business owners do? How can they afford it? Well, depending on which state your business resides, there may be government help.
For instance, in the state of New York, Governor Pataki has proposed and Legislature has approved and enacted a program called Healthy NY. This program assists small business owners in providing health insurance for their employees.
Similarly, the state of Ohio, allows Group Purchasing Arrangements (GPA’s). This is where small and large employers may band together to purchase insurance plans and reap the benefit of lower premiums. Some are formed as a result of state legislation/regulation and others GPA’s a re formed by associations.
Kansas has the Kansas Health Partners Benefit Association. Their mission is to help reduce the number of uninsured in their state by helping small business so that they may be able to offer affordable health insurance to their employees.
A bill introduced on to the House of Representatives by Georgia Democratic Representative John Barrow. The purpose of the bill, H.R. 2073: Small Business Health Insurance Promotion Act of 2005 is to “…to provide tax subsidies to encourage small employers to offer affordable health coverage to their employees through qualified health pooling arrangements…”
This is a proposal before Congress. It would have to be passed by both the House and Senate and signed by the President before it is law. Get involved, contact your representative. Tell them to vote in favor of this proposal. After all, we elected them to do our bidding.
Bottom line, if you’re a small business, visit your state’s web site to see what legislation has been passed in your state. Additionally, check to see if there are program in existence that offer you help in providing health insurance for your employees.
About the Author:
Auto Insurance Quote
Home Owners Insurance
Car Insurance Quotes
Article Source: ArticlesBase.com – Small Business Cheap Health Insurance
Filed under Home Insurance by on Jan 8th, 2010. Comment. 
Ever wondered what the difference is between secured car loans and personal unsecured car loans and how that difference affects your finance and the car loan payments. Basically the difference is small in terms of the car loan details themselves, but is bigger when the true cost of each is taken into account.
Understanding secured and unsecured car loans in detail can be useful in saving money but, let’s first have a look at the a range of workings that determine the cost of your loan and of your monthly repayments. The cost of the car finance package is the total you repay less the amount borrowed. Hence, let’s say you are repaying $20,000 at 12% interest rate over 36 months; you will repay at the rate of $664.29 per month. That would total a repayment of $23,914.44, and the cost of the loan would be $3,914.44 plus any set-up or administration fees. A finance calculator will enable you to work this out for yourself.
An another to a car loans would be car hire purchase (HP), where you hire the car over the repayment period and get the title to the vehicle with your final payment. Until then the car belongs to the HP company.
However, most finances are either secured or unsecured, and not all finance companies offer unsecured or personal loans so let’s look at secured car finance first. A secured car loan is one whereby the lender offers the loan with the car as security. If you fail to make payments, the lender can sell the car to recoup their money. It is possible to get a secured car loan on older motor vehicles, often 7 years, but the car finance term or loan term may be requested to be shorter than the standard 5 yearsor not at all by using your home or some other form of security. These however are not strictly classed as a car loan. normally the car is used as security over the loan.
If you prefer you can request no deposit car finance and have all on-road costs added to the amount financed. Options like registration , insurance to protect you against disability,death or unemploymentand comprehensive auto insurance as part of the financing deal. Loan protection insurance makes sure that the loan is paid off in the event of your death during the loan period, and car insuranceis needed to make sure that the car is in good condition should it be needed to repay the finance in the event of you defaulting on your payments.
This might all sound like doom and gloom, but these are conditions you see with most secured car loans, not only car loans. Secured car loans terms are from 1-7years, and the interest rate will be lower than that for an unsecured car finance where the loan company charges extra to compensate for their added risk. As with any loan, a deposit will result in lower payments, or a shorter term, whichever you prefer.
Balloon payments could be an option on your finance package, which is like a deposit in reverse, payable at the end of the period. This is popular by those whose income will increase over the period, and they will be in a better financial position to pay a lump sum in 3 – 5 years time. This too results in either a lower monthly repayment or a shorter repayment term.
If you are purchasing a used car, your car finance interest rates can be priced very differentlyaccording to the finance company and the age of your car. Many will charge higher loan rates, and the current credit problem has changed the outlook of many lenders to unsecured car loans in particular. Many no longer offer unsecured car finance due to the increased risk in the current economic climate.
However, they are still available, and some car loan brokers can ensure you get the best unsecured car loan available. In addition to the car loans interest rates, you should also evaluate the fees charged, since they can involve a considerable outlay for you before you get the loan.
The most important differences between secured and unsecured auto loans, therefore, can be summarized as:
Secured car finance are cheaper to repay, with usually lower rates.
Car loans that are secured must have full comprehensive car insurnance, while unsecured financing does not.
Both loans could require deathinsurance cover for the finance, but secured car finance packages are more likely to.
You can sometimes include insurance, registration and other expenses in the secured loan, but with an unsecured car financing you must include the the expenses on top of the amount borrowed.
Fees for unsecured car finance can be very much higher than for secured car finance.
Not all loan companies will offer unsecured auto loans.
There few doubts that if your vehicle is young enough to be given a loan with the car as colateral, then that should be your option. You might be able to arrange a secured loan for an older automobile with your house as security, but you will have to make sure to maintain the payments since lenders are becoming unsympathetic in the current economic crissis.
About the Author:
Car Loans finance Ezi is a website in Australia providing car loans Finance Ezi information online. Use their car loan calculator to get car loan rates repayments.
Article Source: ArticlesBase.com – Different Car Loans in Australia
Filed under Home Insurance by on Jan 7th, 2010. Comment.
Motorists and home owners are being urged to be more security conscious in an attempt to defeat the rise of car key theft from houses. A recent report has revealed that nearly 13 per cent of all recorded crime is linked to vehicle theft.
During the recent credit crunch brazen criminals are trying their luck to steal car keys from people’s homes in order to take a car and use it for further criminal activity. Some of the ways these thieves are taking car keys is by entering homes through doors that have been left unlocked or open or by ‘car-jacking’ which is an act of aiming to steal a car at a set of traffic lights and force the occupants out of the vehicle in order to drive off with it. This is a serious crime that has led to many people being left injured physically and mentally due to the actions of these offenders.
The most common way of obtaining car keys from homes unlawfully is known as ‘hooking’. Thieves will use a wire that is stuck through a letter box or cat flap in an attempt to ‘hook’ car keys that have been left close to doors and hooked on to the wire.
Car insurance companies are therefore warning people to increase the securities levels not only of their cars, but also of their homes by installing sophisticated security systems to deter would be thieves.
There were 1.5 million car related crimes during 2007 to 2008 despite a fall in car crime of 66% since the mid 1990’s. However, there has been a rise of 15% in the robbery of car keys from car owner’s homes which has led to a rise in premiums of car insurance and home insurance.
Specialists in car insurance believe that criminals are now targeting a weak link in the car security chain, with one leading figure saying, “Last year 15,700 cars were stolen after keys were taken in a burglary and 2,900 cars stolen after keys taken in muggings, pick pockets or car jackings. We advise all car drivers to treat their car keys like cash – guard and protect your keys to keep hold of your car.”
About the Author:
Rochelle Martinez, Freelance Web Content Article Writer for three years. Some of her articles are about http://www.quinn-direct.com.
Article Source: ArticlesBase.com – Car key robbery is on the rise warn Car Insurance Companies
Filed under Home Insurance by on Dec 26th, 2009. Comment.