Your health condition is paramount in securing affordable coverage. The first major item is whether you smoke or not. If you do smoke, what tobacco product are you consuming? Cigarette smoking has the greatest negative impact in tobacco use because of the mortality impact. Snuff, pipe, cigar and Nicorette has less impact and depending upon the insurance company little to no impact on pricing. Shockingly, there’s even a health classification for preferred smokers, unheard of twenty years. That’s why you have to shop multiple carriers to secure the best deal. The pricing for non-smokers is now parsed into five non-rated categories: Super-Preferred, Preferred Plus, Preferred, Standard Plus and Standard. The difference in pricing can be significant, so your first step in saving money is preparing for an insurance exam, most notably a blood and urine analysis. Your height and weight can also have a pricing impact, so drink plenty of water, stay on a healthy diet and exercise a good thirty days before the exam date. Keep in mind that most insurance companies will order your health records, and prescriptions, and review the Medical Information Bureau for any “red flags.” If you have medical impairments like cancer, diabetes or heart Read more…
July 2019
CBD Dog Treats For Large And Small Dogs Are Scientifically Formulated For Targeted Delivery
CBD Unlimited’s pure hemp extracted CBD dog treats for large and small dogs is scientifically formulated to be the purest CBD soft chews for dogs available. Derived from 100% certified pure hemp, our CBD dog treats can introduce your furry family members to all the potential medicinal benefits of cannabidiol. All of our cannabidiol products, including our full range of Phyto-Bites CBD pet treats, use 100% pure hemp. Cannabidiol used by CBD Unlimited is taken from hemp thoroughly tested by third party laboratories for potency and purity, furthermore certified 100% pure by the State of Arizona. Each and every Phyto-Bites product is packed with between 2-5mg of concentrated cannabidiol in each and every peanut butter flavored bite! Our Phyto-Bites CBD dog treats can be purchased in varieties for large and small dogs, cats and travel tins for pet owners always on the go. Become your furry family members best advocate for health, become the dog owner your pup knows you to be and keep them healthy with the help of Phyto-Bites CBD dog treats from CBD Unlimited. Cannabidiol infused into the CBD soft chews are the purest for your pets health, delivering targeted delivery where needed most. About CBD Unlimited, Read more…
Comparing Policies May Yield Significant Savings
The financial stability and claims paying ability of most insurance companies are rated by watchdog agencies and their summary balance sheets are available in the public domain. A life insurance contract is only as good as the company behind it, so balance sheet strength and ratings are important measurements in the purchasing decision. Most life insurance contracts have health classification pricing models that reflect your health condition. Some companies focus on the healthy sector of the population, while others focus on impairments. Since the vast majority of non-group life insurance is underwritten, it’s important to shop around for the best deal. Life insurance policies generally have two expense tables or rates. One is the non-guaranteed current company practice and the other is guaranteed contractual. The disparity between both rates can be substantial, so there’s embedded value to a policy where the difference in rates is close. Cash value life insurance policies have various crediting methods: dividend, interest, indexed and subaccounts. The earnings can be measured for performance in comparing annual statements from each year. But ordering an in force ledger can compare the original proposal to the actual performance. Requesting an in force ledger should be part of the annual Read more…
Shop Custom Hardwood Flooring For Sale From Select Floors And Enjoy Current Promotions Going On Now
Select Floors has an extensive collection of beautiful hardwood flooring that is great for nearly any room in your home. Hardwood flooring is a popular choice for kitchens, bathrooms, basements, mud rooms, even foyers and formal living rooms. Let us help you pick out the best new hardwood flooring for your home today, schedule your free in home hardwood flooring estimate by calling 770-218-3462. We have been in the flooring business since 2003 and it is through our many years of accomplishment in the industry that we have mastered the techniques needed for installing your new hardwood flooring the right way, the first time. We are proud to announce that we have helped over 5000 happy customers since 2003, providing each and every client of ours with the exceptional customer service and quality workmanship that they expect and deserve. We will work with you one on one throughout the entire process, helping you pick out the best new hardwood floors for your space. And, thanks to our extensive collection of hardwood flooring, you can find the very best floors for your space no matter your taste, style, or budget. Rely on Select Floors for a truly remarkable flooring experience. Providing Read more…
- July, 23
- 600
- Real Estate
- Read More
Findit, Inc. Receives Multiple CBD Purchase Orders From Two Major Retailers
Findit, Inc. a Nevada Corporation (OTC PINK: FDIT) has received multiple purchase orders from two major retailers for the CBD line Urban Collective. The purchase orders consist of two topical oils, one Blood Orange, the other Spearmint. Findit recently announced it would expand its range in the CBD industry by including B2B sales in addition to its online marketing services it has been providing for several years. Clark St. Amant stated “While these two purchase orders put us in the B2B, CBD space, Findit, with our L.A. based branding and sales consultant is focusing on profitable revenue streams that can increase overall shareholder value in Findit. We see the CBD space as one of these areas.” View photos These first two POs will place these products in over 2300 retail locations nationwide. These initial orders are expected to preform very well at the retail level and both retailers have indicated much larger purchase orders for the fourth quarter of 2019 to fill their holiday gift giving needs. Findit recently brought on a consultant based in Los Angeles that specializes in branding, as well as, has a seasoned track record selling consumer goods to national retailers. Findit is working closely with Read more…
Life Events May Trigger Necessary Changes in Your Policies
Here are the top ten life events that can alter your coverage, beneficiaries or future financial goals. (There may be over 30 life events to consider.) All these events need to incorporate coverage to financially benefit family dependents or business partners. Marriage: In today’s economy both spouses generally work, so their lifestyles are dependent on two incomes and the value of their lifetime earnings needs to be protected. Mortgage: Most people can’t afford to pay cash for a home, so they secure a home mortgage. And most mortgages today are granted on the basis of a two-earner household. Their income needs to be covered. Divorce: The splitting up of families or the blending together of new households is fraught with coverage scenarios and proper assignments or reassignments of beneficiaries. Protection is generally necessary for the old and new family unit. New Child or Grandchild: Whether it’s protecting the lifestyle of dependent children or funding higher education or simply leaving a legacy for the next generation, new arrivals change future obligations. New Job or Promotion: A new job or promotion may increase revenue at the domestic front. Often when there’s more money in the budget a family’s lifestyle changes and indebtedness Read more…
Get The Best Full Spectrum CBD Hemp Oil Products For Sale Online at Palmetto Harmony
Finding the best full spectrum CBD Hemp oil for sale is online when you shop our extensive product lines at Palmetto Harmony. No corners are cut and no expenses are spared ensuring the quality, safety, and consistency of all of our products. Shop today online by visiting us at palmettoharmony.com and call us at 843-331-1246 for your free CBD consultation. We are proud to offer a wide variety of CBD products such as: CBD hemp oils, topicals, pet products, vape devices and cartridges as well as vape oil, hemp capsules and skin care products. During your free CBD consultation, we will help you evaluate your needs and help you pick out the right CBD products to accomplish your goals. Palmetto Harmony follows 100% organic practices to ensure the best quality CBD Hemp oils and CBD Hemp oil based products. We take no shortcuts in producing our products and are able to quality control through ISO third party testing. We also handle 100% of the growing, developing, producing, packaging and selling process entirely in house. Purchase the best full spectrum CBD hemp oil and CBD hemp oil based products for sale online at Palmetto Harmony. Have questions? Give us a call Read more…
Buy and Sell Top Quality CBD Products at Pelmor Lane The Online CBD Marketplace Exchange
Pelmor Lane brings buyers and sellers together that are looking to purchase and sell top quality CBD Products. We verify sellers and buyers so that when transactions take place, they go smoothly and seamlessly so that everyone wins. To conduct business on Pelmor Lane, please establish a relationship with us first by calling 859-338-5670 or email brian@pelmorlane.com The buying and selling of wholesale CBD products often falls through due to a variety of reasons: buyers don’t have their finances in line to make the purchase, sellers don’t have the volume of goods or the ability to handle delivery of goods and often times buyers are really agents or brokers acting as buyers. Pelmor Lane aims to remove all of the clutter and confusion and problems within the exchange process through a verified marketplace of vetted buyers and verified sellers. By establishing a relationship with each and every buyer and each and every seller, when transactions take place, Pelmor Lane can handle the transaction on each party’s behalf so that everyone wins, right down to the growers. We verify product quantity, COA, and other pertinent information from the sellers as well as proof of funds, delivery and contact information from the Read more…
Findit Features Members in The CBD Industry Including CBD Unlimited Palmetto Harmony and Pelmor Lane
Findit, Inc. (OTC PINK: FDIT) owner of Findit.com, a full service social networking content management platform which provides online marketing services, is featuring CBD businesses that are members on Findit.com. Featured CBD Members in Findit: CBD Unlimited, Inc. (EDXC) View photos Pelmor Lane View photos Palmetto Harmony View photos Each of the CBD related featured members on Findit are provided with services offered through Findit in an effort to build brand awareness and drive traffic to their Findit sites along with their company website(s). Findit offers a full suite of online social networking content creation programs to its members that are seeking to increase their overall online web presence, build brand awareness, increase the number of search results and improve their indexing positions in Google, Yahoo and Bing. Findit accomplishes this for these featured Findit members by creating tailored content and sharing that content via social sites in addition to Findit that can include; Facebook, Twitter, Google My Business, LinkedIN and other sites that allow CBD related posts. Clark St. Amant of Findit stated, “With Findit’s expertise in online marketing thanks to years of experience in the industry that includes social media and SEO in the CBD Space, we have a proven formula Read more…
A Policy Review Could Save You Real Money
Insurance manages your risk and is the defensive component to financial planning. Consumers should have an annual review of all their insurance polices to maintain their relevance. Surprisingly, life insurance is the most neglected insurance when it comes to an annual review, but the most important in defensive planning. Life insurance can be purchased for temporary or permanent coverage, as the need dictates. It’s sold to cover the unlikely event of the death of the breadwinners of a family, business partners in a firm, or grantor of gifts to charities. Life insurance proceeds can pay off debt, fund future obligations and create legacies for family, friends or favorite non-profits. In business scenarios it can buy out a business partner’s spouse or fund a buy out for new owners. But the common thread in all these circumstances of life is that things happen. Life changes. It doesn’t stay static. And neither can your policy remain the same when life events occur. You may need to add or subtract coverage. You may have temporary needs that evolve into permanent needs. The policies themselves may be antiquated; both in the cost of insurance and the earnings generated on the cash value accounts. Health Read more…