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Tips for Finding Dental Insurance

August 17, 2012 by · Leave a Comment 

When you are looking for dental insurance online, there are a few things that you want to do to find the right one for yourself. There are a lot of different sites that offer affordable dental insurance, so choosing the one that is going to provide you with your dental insurance takes some time.

Research – The first thing that you want to do is to do some research to find the right insurance for you. There are a lot of places online that you can find full dental insurance.

Reviews – The second thing that you want to do is to look at the reviews of the website. You want to see what other people who have used the company say about what they have to offer.  This is going to give you a good idea of what you should expect if you choose them.

Dentist – The third thing that you want to do is to see if your dentist is on their list of dentists.  This is really important if you have found a dentist that you really like, especially since most people don’t like going to the dentist. If you are unsure of whether or not your dentist accepts one kind of insurance, you can ask them if they have a suggestion of an insurance plan.

Handling past-due creditors for small businesses

August 15, 2012 by · Leave a Comment 

Under the current economic conditions it is very difficult for someone to maintain their small businesses.  Many small businesses as well as people get behind their payments and creditors get more aggressive.  If you are faced with this situation, here are some guidelines to follow.

Review how much you owe:  Prepare a list of all what you owe.  This will help you when you talk to creditors.  Also, get a good idea of your income so that you can discuss what you can afford to pay to your creditors.

Accept calls from your creditors:  Avoiding creditors will not help your situation.  If the creditors can’t reach you they escalate their tactics which may increase your stress level.

Review all agreements:  This will give you an idea what assets whether it is personal or business are in danger of losing and allow you to pick the most vulnerable to pay first.  Pay special attention to personal property as well as personal guarantees involving friends and family.

Prioritize:  Identify those products that are needed to continue your current business.  You may want to pay those creditors first in order to keep the cash flow.

Promise only what you can pay.  Get outside help if you need.