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The right thing to know – The world we live in is full of risks and insecurities. Families, individuals, businesses, assets and properties are exposed to numerous types and certain levels of high risks. These definitely include the risk of health, life, property, assets, etc. We know that it’s difficult to prevent these risks, especially sudden miss happenings so the financial world has taken the responsibility to protect business and individuals against losses by compensating them with finance. Therefore, insurance is required with the full pace that eliminates or reduces the loss caused by any risk.

When we talk about health insurance, the first thing that comes to our mind is ‘Grandparents’. Ever thought health is such an important thing, especially when it’s about growing age. Sometimes, we initially don’t take a risk of traveling with them to abroad; we suffer from a fear of bad health. But every time this tact can’t be followed rather we need to find some solution for this. The best and relevant to this is – Super Visa Health Insurance.

Now, what exactly is Super Visa?

Super visa is a long term multiple entry visa for both grandparents and parents of Canadian citizens or permanent residents. They can stay up to maximum 2 years in Canada for every visit. This is valid up to 10 years. However, a regular multiple entry visa is also valid up to 10 years; but you can stay for 6 months only for every visit.

Eligibility for Super Visa

Super Visa is for grandparents and parents for Canadian citizens or permanent residents. Apparently, the grandparent or parent must be admissible to Canada and meet all the terms and conditions. Read on:

• The applicant need to show Canadian medical insurance that meets the basic requirements and also covers then for minimum 1 year.

• The applicant needs a letter of finance support from their grandchild or child in Canada, who earns the minimum required income.

• Private medical insurance proof is required for the minimum time slot of one year with a copy of Canadian insurance company that covers hospitalization, repatriation, and health care and provides a minimum coverage of the certain amount, also is valid for the entry in Canada.

• A copy of employment insurance pay stubs for grandchild or child.

Importance Generated

Although, the procedure can be little different if a grandparent or a parent is from another country, therefore, a visa is strictly required to enter Canada as a visitor. Health Insurance plays a key role in Super Visa, so make sure this is not ignored.

Validity for Super Visa

The maximum validity for Super Visa is 10 years, or it can be an addition to one month prior if the passport expires (whichever is earlier). Within this time Super Visa holders can stay up to two years.

On That Note

We truly know, how important is health insurance in today’s life, especially for our parents and grandparents. Therefore, in every limit, we need to make sure that this insurance is taken care.

Over the last several years, the emphasis on mis-sold PPI has risen, rapidly. With increased numbers of people making PPI complaints, banks have to reimburse people left, right and centre for their own misdoings due to mis-selling payment protection insurance.

PPI is an optional policy that can be added on to a number of financial agreements, to help protect the borrower, should their circumstances change. Loan, mortgage and credit card protection are all eligible for this additional insurance that ensures payments are met in the event of redundancy or debilitating illness. With the economic climate the way it is at the moment, the threat of redundancy is a very real concept – if you were to take out a loan, you may feel the need to protect yourself just in case of this eventuality.

The problem is that in many cases, banks sold the policy to people that didn’t want, need or even know about it and this is why the rise in PPI has continued to skyrocket.

The recent decision by the financial watchdog, the FSA, has played a huge part in the PPI complaint boom. Last year, they instructed banks to write letters to known victims of mis-sold PPI, with between 4 and 12million in total expected to be sent to people all over the UK .

If you are one of these millions who have had, or are due to have, a letter through their letterbox, it can be the chance you need to claim back money that is rightfully yours. Don’t just throw it out, thinking of it as junk. If it’s a legit letter from your bank or finance provider, chances are you may be eligible for a claim and should bite the bit and go for it. The director the FSA thinks that only 10% of people who are written to will actually take the opportunity to claim, which is such a shame when there is billions to be paid out to people nationwide.

Last year, £1.9bn was paid out to successful PPI claimants , with the total redress looking like £13bn as of January 2013 . Industry insiders predict this value to so much as double to more than £25bn in reality , if all those eligible take the initiative to claim.

As the months go by, more and more people are claiming, with the volume of PPI complaints skyrocketing. At the moment, the banks are seeing approximately 100,000 claims sent to them each month , whilst the FOS has employed a staggering 1000 extra caseworkers to work solely on PPI cases . Whilst a number of these claims may be false or frivolous, many are genuine claims made by people who have been mis-sold PPI and you could be one of them.

With the British Bankers Association pushing for a deadline in PPI complaints, as soon as spring 2014, now is the time to claim your PPI payments if you haven’t done so already. After all, what have you got to lose?

Hiding and attempting to hide assets from a spouse is more common than most people think. While most people have a tendency to think that the husband is the one that may attempt to hide marital assets, women also attempt to hide assets, and both parties arrive at divorce court thinking that they should have more of the marital assets than they are entitled. In actuality, in divorce situations where one spouse is attempting to hide marital assets, it is usually the husband who is trying to commit this sneaky, unethical and illegal behavior.

The spouse who may suspect that the other partner is attempting to hide assets can take some precautions to expose the guilty party of any wrongful deceit. It begins with hiring a competent professional divorce team. One of the tools at the disposal of such professional team is a lifestyle analysis. The analysis process takes the married couple through a process where total living expenses are calculated and compared with stated and/or reported income. If there is a deficit between outgoing cash and income, it is usually an indication that one of the parties is attempting to hide income.

Other attempts to conceal assets include the following:

• Stashing money in a safety deposit box or some secret hiding place

• Purchasing items that are easy to conceal or overlook the value

• Deferment of salary, bonuses and commissions

•  Stock transfer

• Overpayment to creditors

These are just a few tricks that one party may try in order to conceal assets or hide income. Any time a spouse starts changing behavior patterns; this should trigger a red flag. Such changes may include additional and sudden “business trips”, opening additional bank accounts and being secretive about income and expenses, especially when it appears that exaggerations of expenses and significant decreases in revenue for the business owner. The spouse who is attempting to hide assets may have safeguards on his or her computer and is secretive concerning passwords to various online accounts.

The key to ensuring that one spouse is not attempting to hide assets is by being involved in all financial aspects within the household and any business, if applicable. Attempting to expose a spouse who has systematically been hiding assets over a lengthy period may be a difficult task, if not impossible. Failure to share in all financial matters should alert one to the fact that his or her spouse may not be honest.

It is also important to not only show interest but become involve with any interests or hobbies your spouse may have, especially at the beginning of the relationship. One of the parties may have an interest in collecting things of significant value that most people are not aware of, such as art, antiques, coins, stamps and other collectibles. Some of these assets, such as coins, are readily transported away from the marital residence and easily sold for cash, without leaving any type of paper trail.

Both parties need to have at least some idea of what types and amounts of assets that either or both of the individuals have purchased. In situations where a collection may have significant value, each party should have some type of documentation to support any claim they may have concerning such assets within the marriage.

The best stance that either spouse should take is that they do not deserve to be treated unfairly and that neither has to become a victim in a divorce situation. If one suspects the other of attempting to conceal marital assets, he or she should seek the advice of his or her forensic accountant so that proper actions may be taken.

Frequenting our television screens on a daily basis, we are all familiar with the scenes of the reconstructed fall followed by an presenter telling us about the sizeable cheque that the injured party received on a ‘no win no fee basis’. Said informant then encourages us to ring the number that appears on screen if we have been affected by a similar accident.

The advertisements make the process seem so simple and risk-free that it is no surprise that many people are left wondering what the catch is. It’s important to realise that if you have been injured as a result of an accident which was not your fault then you could be eligible for compensation.

However it is fundamental to appreciate that the process is unlikely to be as simple as ringing a phone number and consequently receiving a cheque in the post. With rising claims of ‘ambulance chasing’ salesmen approaching injured parties in hospitals making proposals of accident compensation claims, it is increasingly important that you make the right choices regarding your personal injury claim.

How do I know if my injury firm at legitimate?

In order to ensure that you receive the best support possible, it is important to ensure that the legal firm you choose to deal with are professional and experienced in dealing with personal injury claims.

Choosing the right solicitor can be a difficult task however it is an important one. A good solicitor should not be looking for quick sales instead they should be focussed on fully understanding your situation and working to ensure that you receive the compensation you deserve, both financially and medically.

Ensure that you are dealing with a qualified solicitor from a reputable legal firm who have a strong background in successful personal injury claims. Good personal injury firms tend to offer initial advice free on a no obligation basis to ascertain whether you have a potential claim. This could prove a good opportunity for you to raise any queries which you have.

Be wary if you are approached directly by salesmen after your injury. Do not feel obliged to discuss your situation with them. They may quote large sums that you could be rewarded however with personal injury claims, there is no way of telling exactly how much compensation that you could receive until a full investigation has been completed and liability has been accepted.

Who should I turn to for personal injury advice?

The few ‘claims cowboys’ out there should not be associated with the legitimate personal injury firms who have years of experience in offering claimants an honest and dedicated end-to-end service to help them get all the compensation that they deserve.

You should not feel pressured or rushed into anything that you do not want to do. Your personal injury solicitor should help ensure that you are informed and consulted every step of the process.

Starting out in a new relationship is one of the most exciting things in life. You have stars in your eyes, butterflies in your stomach, and you are so elated that you have found your lifelong soul mate. When you are in this part of the relationship, you think that nothing could ever go wrong, but unfortunately the reality is that there is a strong chance that this may not be the last relationship you will ever have. This is not to say that you should prepare for the worst, but you should definitely protect what you have worked so hard for.

Plan for the Best and Prepare for the Worst

Be an optimist with a pessimist’s plan. If you are going into a relationship with the thought that it will fail, then it probably will. The best course of action is to go into a relationship with the thought that it will succeed, but putting into place the right actions for a just in case can help you as well as your partner. You not only want to protect yourself, but you want to protect them as well. Although it is a tricky subject to cover, if the two of you can work together through it, you can most likely work through anything.

Lay it All Out on the Table

When your relationship gets to the point that it is becoming a partnership, you will need to take some serious action. Whether you are moving in together or even getting married, there are things that you will need to know about each other. In order to accomplish this task, you will need to each lay your finances out for the other to examine. You both should share your credit report, banking information, bills, assets owned, retirement and investment accounts, and anything else that has to do with assets and liabilities. If you have an open and honest relationship, this should not be an issue. By doing this, you will be transparent with each other and you will know how to proceed.

Know the Law

Having an understanding of the laws in your state when it comes to joint property is important when it comes to your relationship. You should know at what point your debts and assets become shared. In most cases this immediately happens upon marriage, so make sure that you have all of the information you need before tying the knot. In some cases there is a certain timeframe where your relationship is considered a legally binding partnership that hold the same responsibilities as a marriage. There are also some states that will allow cohabitation agreements. Make sure that you know what laws apply to you and your relationship before getting too far into it.

Relationships are not started with the plan to fail, otherwise you would have never started the relationship in the first place. Not only that, you wouldn’t hand all of your assets over to someone without first knowing what they are going to do with it and probably not without some sort of protection for you if things go wrong, so don’t do it in your relationship. Get to know all about your partner, including their financial status, so that you know the kind of road you are headed down.