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Posts Tagged ‘behavior’

Our older generations have been getting some negative press due to their alleged bad behaviour while on holiday abroad – earning them the unfortunate nickname ‘Saga Louts’. The same seniors don’t behave badly and earn themselves an ASBO at home. So what’s going on?

Fun and reckless behavior is not exclusive to the young. It seems the people we used to look upon as role models are often the ones misbehaving these days. Apparently, the number of mature drinkers is rising while the number of teenage drinkers has dropped. Young people are worrying about their carbon footprints, growing their own vegetables, and spurning drink and drugs. Role reversal? It seems so.

Many older folks are ignoring their health problems and throwing old-fashioned caution to the wind. They are jetting off abroad, often without getting a health check from their GP – or taking out travel insurance! The Foreign Office has expressed concern about this new generation of retirees who are putting themselves at unnecessary risk.

Are these aging rebels breaking the mold? What happened to our dear old grannies who spent their days baking cakes, knitting mysterious garments for us and trying their luck in the bingo halls? Where is the quiet grandpa who spent his days hiding in the potting shed with the newspaper and racing form? Perhaps they revert to a more staid persona at home, but once they have a taste for foreign travel and adventure there’s no stopping this new silver jet set!

Drinking, or rather binge drinking, is reported to be the cause of most of the problems. Their benders often result in these oldies-but-baddies ending up in jail, hospital or even the mortuary! Why shouldn’t they let their hair down (what’s left of it) or have a knees up (so what if they’re plastic). Many are wealthier than they used to be and feel they deserve to make up for all the years of sacrifice.

The over 55’s are reported to be among the largest group of people participating in dodgy activities like bungee jumping, skydiving, and paragliding! These ‘denture venturers’ as they have been labeled, often outshine younger dare-devils. The young are becoming the new fuddy-duddies, tut-tut-ing the antics of their irresponsible elders!

There’s no question that obtaining affordable travel insurance can be difficult for the older traveler. Cover varies from company to company, so it’s best to shop around for the right policy. Many companies set age restrictions in the mid 60’s for annual multi-trip policies and travel to the USA and Canada – due to the high cost of medical care. The over 70’s may have difficulty finding an affordable policy, especially if they have a medical history which includes conditions like heart disease, stroke or diabetes.

Fifty used to be old, but 50 is the new 40 as they say, 60 the new 50, and so on. After working hard all their lives and paying taxes, the over 50s may feel they have earned it. Many won’t get their state pension at 60 as they planned, but will have to work until they are 65, 70 or beyond because the government changed the rules. The retirement carrot is being dangled further down the road now. Who wouldn’t get an attitude! No wonder they’re buying Harley Davidson hogs and hitting the highways while they can!

Maybe older folks feel time is running out and it’s foolhardy to stock up the freezer. Perhaps they don’t care whether they make the return trip from their holiday. In a way you can’t blame them, but one major downside to their rash behavior is the impact it can have on the holiday plans of others. Older travelers who don’t see their GP for a check-up may not be medically fit to fly. There are reports that in-flight medical emergencies are on the increase, causing distress and chaos and sometimes requiring the pilot to make an unscheduled landing.

So, are they wrong to enjoy their silver or golden years and kick up their heels as they burn up the inheritance money? We probably shouldn’t pass judgment. However, the family may not be amused if grandma has no travel insurance and breaks her neck jet skiing in Spain! Emergency medical treatment abroad can cost a small fortune and emergency repatriation (dead or alive) can be extremely expensive. The house and nest-egg they intended to leave to the kids could vanish as fast as a nice glass of bubbly if there’s no travel insurance to help cover the costs.

Should we reprimand our seniors and send them clucking back to the bingo halls? Whatever your views may be, it’s probably too late anyway. Like free-range hens, they’ve broken free of the coop, scratched some dirt, and had a taste of sunshine and freedom. Why not let them flap those bingo wings and fly while they can!Jean Andrews is a freelance writer living in the UK. She regularly contributes articles for TIA Ltd who offer travel insurance at great prices online.

If you’ve been caught speeding lately then you know what points added to your driving record are going to do to your insurance premiums, that’s right, their going to increase. This is because you are now pegged a s a driver who is not so consciences of the rules of the road, By driving in this type of manner, you not only are pitting your self at risk but everyone who is driving around you. Their are things that can help you in the future to repair your blemished record.

First and this is a very important so listen up carefully, you have to stop driving so fast and start obeying speed limits. You may be a good driver and not caused any accidents thus far but the possibility is their because of how fast you drive. There are serious consequences to getting points placed on your driving record for speeding. You can get your license suspended. How miserable is that matter.

Points stay on your driving record for up to a few years. If you have insurance then you can expect your rates to increase because of this. Be careful though because in some states an insurance carrier has the right to drop you as a customer because of your reckless behavior and disregard to those around you. If this were to happen then you’re going to have a difficult time getting affordable insurance through another carrier.

There is hope for you though. If you just stay clear of any future moving violations or claims submitted by you to your current carrier then in time you can expect rates to start to decrease. Or at least, not increase any further. You might want to look into the kind of insurance coverage you carry. If you can afford not to carry full coverage that will save you some money if your car really isn’t worth that much in case you get into an accident and have to repair it. You might want to also think about reducing or eliminating collision coverage as well.

A bit of good sound advise is for you to just not get anymore violations. If you find yourself in the position of having to search around for other car insurance, then do just that. Shop around and compare rates and services fro several carriers. Don’t just settle on the first one that comes along or don’t let one tell you that you wont do any better.

Insurance companies are all different. Each state has their own set of rules and regulations so you have to check with each individual state law for accuracy. You don’t ever have to wait for the New Year to look into a new carrier to compare rates. That’s the best time to do that is before your next premium is due.Always Compare Rates. Don’t settle for higher rates for High Risk Automobile Insurance, look into what you can save with Cheap High Risk Automobile Insurance for needing a specific rate for Speeding Insurance. Pay less & get more.

Drivers for Savings, a bipartisan coalition of lawmakers, joined business, community and law enforcement leaders at the Detroit Urban League on April 28 this year. They aim to pass reforms to Michigan’s no-fault insurance law that enables drivers to choose the level of Personal Injury Protection coverage they are required to purchase. This is good news for those in Michigan since they are already feeling the burden of skyrocekting prices in food and gas. Under. the Drivers for Savings legislation, policy holders can choose between $50,000 up to $40,000 worth of PIP or retain their current unlimited coverage. If they don’t choose, they retain unlimited coverage.

Breaking news from Zurich Insurance: during the last 3 years, 10 million British people had faced abuse both physical and verbal while driving their vehicles. One in seven was pursued by another driver and one in ten got into a confrontation with an angry motorist. 34% was in the receiving end of such abuse while 64% showed aggressive behavior to other motorists while driving. 77% believed that what they did was okay. However these figures only point out tone thing: driving riskily is very common among motorists and this puts both car and life insurance premiums in danger. To prevent this, motorists are advised to keep their car doors locked, avoid making eye contact with angry drivers and maintain calm at all times.

Esure, an on-line insurance company, announced the findings of a report done by Geoff Beattie, a university professor in Manchester: cave man instinct is manifested in the way men drive their cars. This behavior is caused by men’s prehistoric survival instincts as hunters and fighters and manifests as the need to drive fast, show off and fight against other car drivers. Mike Pickard, head of risk and underwriting at esure comments, “This report makes a very clear point. It is not just about skills or enforcement but about teaching young men in particular to overcome natural instincts that have evolved to enjoy speed, danger, risk-taking and showing off. It was fine for cavemen but not for the modern car driver.” Thus it is expected that car insurance premiums will cost more than that of women.

Progressive Group of Companies, an auto insurance group, will plant more than a quarter of a million trees in U.S. National Forests as a sign of gratitude to its customers. Also, Progressive began this month of April to offer discounts to customers to go paperless. Customers can choose to enroll in the company’s Paperless Policy option and receive bills and policy documents electronically. If they do, Progressive will plant a tree for them in cooperation with Arbor Day Foundation, a group dedicated to planting trees. Currently, the program is available in Colorado, but more states are adopting this as well.

News from Motorpoint: a 20 mph speed limit to be carried out in the city would be welcomed by 12 million people. This is based from their surveys demonstrating that two in five drivers would accept the limit, which was proposed by the Parliamentary Council for Transport Safety last year. This news came as a surprise to most people because the original limit proposed was 30 mph. First to accept this rule was Postmouth and more are considering the concept. This is good news drivers and pedestrians all over the nation because this would prevent accidents from happening at both sides.Jon Caldwell is a professional content manager. Much of his articles can be found at http://latestcarinsurancenews.com

A medical exam is requested of everyone before medical insurance can be given. The medical exam is required from the medical insurance company. You will have your health examined and reported back to the insurance company. Depending on how well your health is it will lower your policy rates. The insurance company can raise your rates or deny coverage for high risk or dangerous activities you may participate in. Excessive drinking, smoking, extreme sports and even your occupation can be considered high risk or dangerous activity.

The insurance company will receive all the information gathered at your medical exam. Your results will be examined by the medical insurance company to determine your eligibility for coverage. You should know that admitting to excessive drinking will cause you to pay more than a non drinker will pay for the same coverage. A dangerous job can be omitted from the high risk category of your employer covers all injuries on the job through workman?s comp. If you have extreme sports for hobbies you can expect that your rates will be larger and there is always the chance you will be denied medical insurance coverage.

The medical insurance company uses your habits and your hobbies to penalize you may seem unfair. But people expect to be rewarded for their good behavior so why would it be fair to have the rates the same for a dare devil and a minister? The insurance companies gather all your details and analyze them to determine your high risk rating. Things such as smoking and excessive drinking will create more medical problems and extreme sports such as sky diving and rock climbing will have possibilities for more injuries.

Pre existing medical conditions are placed on the report of your medical exam. Depending on the insurance companies policy you may or may not receive coverage for any existing conditions that are found. Some companies will allow coverage if they were not previously diagnosed or treated by any medical physician while others will allow them regardless. You should be sure to ask about this policy before allowing a medical exam to be performed by the medical insurance company. If they choose to deny you coverage on a condition that they were the first to find you may not find another company that will very easily.

Medical exams for the medical insurance industry are extremely necessary. It would be irrational for the insurance companies to believe that everyone who applied for the policies were in great health with no dangerous or high risk behaviors. The medical exam helps to determine the high risk individuals from the lower risk ones. The exam is also in place to protect the insurance company from fraud. There are those who would only obtain the insurance policy once they knew they were ill or sustained an injury. With this protection it in turn saves the insurance company money which will lead to better coverage as well as better rates for you. You are rewarded for good behavior and not only penalized for the bad. If you stop smoking or are no longer drinking excessively the insurance policy can be re-evaluated and your rates lowered.Graham McKenzie is the webmaster for a leading South African Medical Insurance provider. For more information visit: http://medical.insurance123.co.za/

To mortgage lenders, your credit info is going to be very important. While it may feel invasive, your mortgage credit reports will tell the banks whether or not they can trust you to repay them. They’ll look for late payments, missed payments, bankruptcy filings, previous foreclosures, loans, total available credit, types of it, open accounts, closed accounts, collection accounts and pretty much everything financial you can think of, dating back 7-10 years. Low credit scores can be built back up through good behavior, but it may take 1-3 years for the worst offenders to be mortgage worthy again.

Once you know your credit scores, you can work out any blemishes before home shopping. This should be done six months to a year before you plan on buying. If you have a score higher than 700, you needn’t worry.

If you’re in the 500s or 600s, then try to pull your score up 100 points to get the best mortgage interest rates. There are five ways you can do this in six months time. First, you can reduce your credit card balances down to 30% of their limits.

Secondly, you can cut your credit cards in half, but don’t cancel your account because you’ll lose points and increase the amount of available credit you’re using up. Thirdly, it can boost your credit score to mix up your credit portfolio.

A healthy portfolio may include three unsecured cards, as well as a form of secured credit, which is like a student loan, auto loan, home equity loan or installment loan. Lastly, you can negotiate with all of your creditors to remove late payments, which can improve your credit overnight.

In addition to having healthy credit info and good credit scores, a prospective homeowner should work out a budget to see what kind of a monthly payment can realistically be afforded, given the monthly budget. As a general rule, borrowers can pay two-and-a-half times their annual salary. Lenders have traditionally calculated monthly payments using no more than 28% to 44% of your monthly income.

For instance, you should not pay more than $800 toward all your debts if your monthly income is $2,000. You can also calculate your debt-to-income ratio by adding up all your monthly debts and dividing by your monthly income. If your debt-to-income ratio is under 20-30%, then congratulations, you are financially stable!

Understanding how your credit info factors into your mortgage approval process is important. One of the biggest problems for many people is that they sell themselves short or feel they have limited options, even though there are many. Poor credit scores aren’t the end of the world. Do not seek a sub-prime outlet if your credit is in the 500s; instead, try to work on your portfolio and be patient.Mike Selvon’s portal will expand your knowledge on credit info and mortgages. Visit us and leave a comment at our credit score factors blog where a free gift awaits you.