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When we apply for and take out a mortgage on our property we are normally in good health and fully employed otherwise the mortgage company would not have entertained us. However, rarely in life is our path smooth and straight and at a time of unemployment or bad health, the last thing we would want to worry about is losing our home. This is where mortgage payment protection insurance comes into its own.

What is Mortgage Payment Protection Insurance?

In essence, it is an insurance to continue and cover the mortgage repayments in the event that we cannot due to unforeseen circumstances. These circumstances would include and are usually:

- Unemployment

- Critical Illness

- A Debilitating Accident

Money for Nothing?

The providers of mortgage protection insurance though do not readily and continually throw money at you and these policies have strict criteria. These would include:

- Voluntary unemployment is not eligible.

- Not positively seeking work following genuine unemployment.

- Taking on part-time work after losing a job.

- Payments not made immediately following an eligible claim. Normally a period of between 3 & 4 months need to elapse and if still eligible then the mortgage payment protection insurance will commence payments.

- Re-qualification on a monthly basis. A form will normally be completed with supporting evidence of continued eligibility.

- Payments restricted to a certain term or period. This could be for a 6 or 12 month term depending on the type of mortgage payment protection insurance taken out.

- Payments made are generally one month in arrears.

Like any product, there will be many choices to make when considering mortgage protection insurance and your own circumstances and cover required will dictate the right policy for you. Whilst you may need to go through certain hoops should an eligible circumstance occur, it would be well worth it for the peace of mind it offers and to protect and keep your home and property.

If you need more information or resources to help research for a planned mortgage, looking at mortgage insurance or even a Bad Credit 2nd Mortgage, please visit our informative web site: 2nd Mortgages.

Click here to try our Free Mortgages Calculator.

The life settlement industry has been surging lately. In addition to structured life settlements which result from personal injury judgments, there is a growing life insurance settlement industry as well. This began in the 1980s with what were called viatical settlements. In this type of settlement, aids or cancer patients with very short life expectancies were approached by investors who offered them lump sum cash buyouts of their life insurance policies. Their life insurance policy was going to do them no good once they died, but the immediate cash could provide treatment and comfort in their remaining years. The lump sum payment, of course, was much less than the value of the policy giving the investor a nice profit once the original owner expired.

Recently, this same concept has moved to a less predatory area of targeting policy holders over 65 years old who have insufficient retirement income, but large insurance policies that will pay upon their deaths. Investment brokers offer to buy out these policies as well, although the average life expectancy might be 15 more years. Although this is a longer time period then the terminally ill of the viatical settlement, the fact is the policy holder will die sooner or later, and the investor will recoup a large return.

If you are seeking a life settlement broker, you need to utilize all of the tools that you would use to find a type of investment advisor. The life settlement industry is beginning to come under regulation, but this process is not complete. There was a recent case in New York State where a life settlement broker and an insurance company were indicted for fraud. In this case, the insurance company was working with the broker who paid a commission. This money was lost to the policy holder who received far less than he should have for his life settlement.

The solution to the problem of finding a reliable broker is simple. Investigate and research the potential broker completely, and shop around quite a bit before signing any contracts or accepting any cash. This is common sense when such important matters and large amounts of cash are involved. The danger is that many people think to cash in on life settlements because of pressing cash needs, and the dishonest broker is certainly going to be the one waving cash in front of you faster than anyone else. Regardless of how badly your need, you must take the time to make sure you are dealing with a broker with a good reputation and is one who is giving you the best return and service. It is a life altering choice, and deserves to be done with utmost care.

Natalie Aranda writes on finance and insurance. The life settlement industry has been surging lately. In addition to structured life settlements which result from personal injury judgments, there is a growing life insurance settlement industry as well. This began in the 1980s with what were called viatical settlements. In this type of settlement, aids or cancer patients with very short life expectancies were approached by investors who offered them lump sum cash buyouts of their life insurance policies.

Can You Run your car on water? Is it possible?

Believe it or not. It is absolutely possible to run car on water. By using the water hybrid technology people are converting their cars from gas to water driven ones which can be achieved when water is combusted with gas.

Why to go for Running a Car On Water?

By using the water technology system you can save more than 50% of the fuel costs. The resultant byproducts from water are eco-friendly as against the regular fuels that emit carbons polluting the atmosphere.

How To Run Car On Water, The Technology behind it?

To create this technology, you have to make your car battery generate electricity to electrolyze water . By this way your car can extract a gas called ox hydrogen or Brown Gas finally resulting in oxygen and water. This gas is able to produce enough energy to run your car.

How To Run Your Car On Water?

You can MAKE or BUY that is you can make it by yourselves or buy a hydrogen gas car kit. The system can be made by spending less than $150.This could be done by using the available materials at home and getting the parts from outside.

Are you ready to Run your car on water?

Reduction in fuel costs and most essentially the eco-friendly nature of water technology in cars can help in protecting the environment. So it is the time to go for cars that run on water. It is eco-friendly and remarkably reduces the fuel cost. So why not Run your car on water?

Are you concerned about the rising gasoline prices you can now run your car on water Visit Site for more information.

You can get information on how to run car on water from here More information.

The quest for the perfect course and an exceptional round of golf is a must for the true golfer. Nothing beats the thrill and anticipation of playing a new course, but when it comes to traveling there are some easy tips to insure a stress free golf vacation.

Traveling with clubs can be a bother when flying these days. Airlines are notoriously rough on any luggage, let alone golf clubs. Who wants to risk having their favorite clubs maimed or broken? Air travel often brings added fees for golf bags that are too heavy or over-sized. On the other hand, leaving your clubs at home and renting can feel a bit like golfing without your best buddy. What's a golfer to do? The good news is that golfers all over the world are still traveling with their clubs. Think about the following tips and see how you can improve your golf travel experience.

Travel Bags are a big part of air travel and protection for your clubs. Your clubs should always be in a bag for extra protection when traveling. Not every bag is created equal, so take a look at the different bag types and ratings before making a decision. Remember that the price reflects the features and protection each bag has. It will also pay to check warranty information when comparing bags.

- Hard bags offer the best protection and are practically indestructible. These bags often come with a higher price tag, but may be worth the extra investment. Be careful to follow the weight guidelines for air travel as these bags are often heavier and larger and may incur additional charges by the airlines.

- Soft bags offer limited protection and if packed with clothing, rain gear, or other padding around the club heads these bags can offer an adequate and a less expensive alternative. They also have the advantage of being very light and therefore no worries where weight restrictions are concerned.

- Hybrid bags are bags may offer the best of both soft and hard bags for travel. The weight of these bags is lighter and the size not as bulky as the hard sider, but it still has a great protection feature. Prices vary on the hybrid bags, so look at the prices and then look at the quality differences. This will help you make a decision and get the best bag for your budget.

Head Covers will keep your clubs from getting scratched or scared during travel. Use the neoprene head covers for a lighter compact option. Of course clubs can always be wrapped for shipping with bubble wrap for yet a lighter weight alternative.

Airline Regulations for golf bags and additional luggage is getting worse everyday. Recent regulations have put fees in place on traveling with a second bag domestically. The following tips are important to keeping your travel plans running smoothly.

- Airlines now are charging fees for second bags for domestic travel. For international travel you can still travel with a second bag for free.

- Make sure your bag is latched but not locked.

- Arrive early 2 hours for domestic and 3 hours for international.

- Clean your clubs before you travel. Detectors sometimes can be set off by dirty clubs with traces of fertilizer on them.

- Pack one pair of golf shoes, no more than 14 clubs and 12 balls.

- Be prepared to sign a limited liability release with the airline when not traveling with a hard side golf bag.

- Clubs must adhere to size and weight restriction determine by the airlines. Bags in excess of 61 inches (length + width + height) and anything over 50lbs will probably be faced with an excess baggage charge. Airline regulations vary so check for specific regulations with the airline you are using.

- Check frequent flyer programs for variances in regulations that apply to members, if you are one. This may allow you to bring an additional bag at no charge or waive some of the restrictions.

Insurance might save you a lot of grief if something were to happen to you golf clubs. If you have expensive clubs take out a rider on your homeowners insurance or check with your insurance company to see if they are covered. Don't risk lost or ruined clubs without being reimburses. Don't count on the airlines to reimburse the total cost of your loss.

Current Handicap Card at many courses is essential. Some courses have handicap restrictions and can refuse you the right to play. Taking time before you travel to get a current card might save you a disappointment later.

Delivery and Shipping Services are a great alternative for the golfer who does not want to be troubled with lugging extra bags to their final destination. This service can certainly expedite check-in at the airport and baggage claim. These door to door services are meant as assist with transporting bulky and cumbersome baggage or specialty items. With these services you will still need to make sure your clubs are well protected, but you will be able to travel relatively hands and worry free.

Of course a good travel agent can always assist you with all your golf travel needs and offer some great perks. A castle stay, prearranged tee times, spa visits, and many extras will surely leave you a little less stressed at the end of the day. Traveling anywhere in the world to tee up has never been easier.

Sandy McDowell
http://www.francejourneys.com
http://www.specialtytravelagents.com

Your well-deserved vacation is near and you are thinking about making reservations. You have two basic choices:

Do you book different components of your holiday such as airline, hotel, and car rental separately or do you book the components as a package, all in one booking?

Depending on whether you have the time and the patience, you could book separately, which sometimes can lead to some savings. However, if you prefer to have everything ready and included in one price, then the package alternative is for you.

Holiday packages can be cheaper than other alternatives because the company selling the products has already negotiated substantial discounts, some of which are passed down to you, the consumer. The principle of packaged holidays is that places and seats are reserved in huge numbers, thus making an individual package relatively cheap.

In a sense it is good to know that all the reservations have taken place. An added bonus can be traveling with other like-minded people possibly leading to friendship. Also in case any difficulties arise, there is often a company representative who will be able to help you.

It is worth bearing in mind, the apparent ease and convenience that packages bring can have downsides too. This is how lower prices are achieved:

1. Your plane may depart late at night. Be prepared for this and it won't be too much of a disappointment. Alternatively if you have the choice to have a late night departure you should notice a lower price. If not, "ask" for the discount. You'll be amazed how often you get discounts by simply asking.

2. The allocated seats on the aircraft are sometimes in the middle (away from windows). This may be important if you are traveling with children. Make sure you carry plenty of suitable entertainment. Note that the in-flight movie may not be interesting for the children.

3. If there are several members in your party, you may not all be able to sit together. Again this is even more important if you have children with you.

4. Your hotel room may not offer the best view possible, nor may it be the quietest. Can you handle this? Ask before you book, find out the situation and take alternative action if necessary.

5. Packages are geared to suit groups, as opposed to individuals. They are not always flexible. Flexibility costs extra, quite a bit extra.

6. Cancellations usually involve a penalty or at least an administration charge, which can be more than you expect. Always "ask" before booking.

7. Extras such as upgrades and add-ons can attract a substantial premium.

8. You are stuck with other travelers in the group, whether you like them or not. There is always at least one annoying person in the group but then there are usually a few very interesting and likeable people too.

8. Popular packages are usually fully booked early. You may have to settle for an alternative.

9. Your airline may take an indirect route and a stopover may be on the cards. The right holiday packages can be fun and the majority of people using them are pleasantly surprised. Don't let the downsides to package holidays put you off.

Remember, there is no such thing as a 'perfect set-up'. Provided you go into it with reasonable understanding and an open mind, you're sure to have a great time.

Sami T Fab operates a dedicated travel and vacation information website packed full of free travel tips and informative content.

For more tips on travel deals and other travel subjects of interest to you, please do visit http://www.Travel-Hotel-Beach-Vacations.com