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Showing posts with label jobs employment. Show all posts

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Labour market information: tourism, hospitality and leisure in Ireland and Northern Ireland.
At its peak the tourism and hospitality industry in the Republic of Ireland had between 150,000 and 250,000 employees across all areas (depending on which criteria you use), earning over €6 billion for the Irish economy. But as with all sectors, the economic downturn has led to recruitment freezes and job cuts in all public and private parts of the industry, outside of specialist roles.
But it is not all doom and gloom: this sector will also be one of the first to recover. When consumer confidence returns and people begin to know where they stand financially, the industry will see the benefit. Corporate business will also return to the industry as national and international trading begins again.

Hospitality

Fewer job opportunities currently exist in the hospitality sector due to lower occupancy rates and less private and corporate functions taking place. According to the FÁS/EGFSN National Skills Bulletin 2009: ‘The demand for hospitality staff is set to decline and there are no shortages at present, nor are any expected in the medium term.’ This report also states that ‘between 2007 and 2008, there were 2,000 net job losses in selected occupations, with bar and waiting staff and chefs accounting for most of the decline.’
But take heart from the fact that most job losses are in casual employment rather than graduate positions. Some of the larger hotel chains have continued to grow, albeit at a slower pace. A strategy of special offers and packages has been adopted by many accommodation providers.

Tourism

Tourism jobs have taken a hit due to falling visitor numbers and less consumer spending. State bodies have seen recruitment freezes, job losses, non-renewal of contracts and reduced seasonal staff. This has also led to fewer job options with public and private tourist ventures.

The leisure industry

The leisure industry has suffered as people have less disposable income. However, with health, fitness and ‘wellness’ issues remaining topical, a certain level of demand will remain and will grow into the future, according to the various tourism bodies.

Sport

The larger sporting organisations appear to remain strong due to the ongoing popularity of sport in Ireland and elsewhere. However, those in the sports industry more dependent on state funding (eg local authorities) have been hit much harder and hence have limited graduate opportunities.

The events industry

The events industry is one of the first to be hit during an economic downturn as companies or individuals are unwilling or don’t want to be seen to fund costly events. But keep your eyes open. Events will still happen – but probably on the cheap – so get involved. Also, marketing budgets often remain high even when all other department funding is cut.

Growth areas

The cruise line industry has seen growth in recent years and remains an employment option. Some catering management companies in the ROI have reported growth leading to graduate opportunities.
Fáilte Ireland, the Northern Ireland Tourist Board and the Department of Arts, Sport and Tourism have targeted a number of strategic areas as potential growth areas worth investing in:
  • Cultural tourism: a significant growth area worldwide, which has had an estimated value to the Irish economy of over €5 billion annually.
  • Festivals and cultural events initiative: aims to spread events around the country and invest in attractive and sustainable events to enhance local and regional tourism.
  • Food tourism.
  • Sustainable/eco tourism (also called agri, agro and rural tourism): a real global growth area.
  • Adventure tourism.
  • Short city breaks: Ireland as a city break destination.
  • Car touring: seen by many tourists as a cheaper way to holiday.
  • Sports tourism: involves a focus on bringing major sporting events to Ireland, particularly those which showcase Ireland as a tourism destination. Piggy-backing on events such as the Olympic Games in London 2012 can also be lucrative. Recent reports have suggested that tourism in the Republic and Northern Ireland could benefit to the tune of €58m and €12m respectively from the 2012 games.
  • Leisure pursuits/amenities: walking, hill walking, cruising, angling, golf, cycling, equestrian.
  • Spa and wellness/well-being activities.
  • New and developing markets such as China and India: knowledge of these markets (eg a desire to travel in groups) and the offering of suitable products is vital. Language skills can be vital for building these ‘tourism’ relationships.
  • English language learning.
  • Business/corporate tourism: offers real growth potential through marketing Ireland as a conference/business and incentive travel destination. The success of the newly opened Convention Centre Dublin is an example of this. The potential benefit to other sections of the tourism industry is also great, eg accommodation providers, leisure pursuits/amenities, food and drink sector.
  • E-tourism: potential opportunities for those who want to innovate in and work on online marketing/sales and information management.
  • Rapidly aging populations: this will mean a need for a far more expansive range of products and services aimed at this demographic group, eg cruises.

Time to innovate

Innovation and entrepreneurship will be key factors in the recovery of this sector. This may be in the development of new products or services, or the re-invigorating of existing products that have become predictable and stale.




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You can develop your career in hospitality through postgraduate study or on-the-job training.
Depending on the programme of study that you have pursued, you may enter the graduate workforce at either operational level or a position higher up the hierarchical chain. However, the current trend for organisational structures is to become flatter so, no matter what level you are employed at, you are increasingly expected to take on as much responsibility as you can handle.
The hospitality industry in Ireland is not one that has traditionally been seen to recognise the value of a third-level qualification – in particular, any beyond your undergraduate qualification. However, this trend is changing. Even long established managers who have ‘worked their way to the top’ are beginning to embrace the spirit of continuing professional development (CPD) and to appreciate the wide range of skills that engaging in any third-level programme can provide.
The number and variety of programmes of study has expanded rapidly in recent years to reflect the changing nature of the industry. The variety and scope of postgraduate courses in tourism, hospitality and leisure provide excellent opportunities for graduates to progress all the way to doctoral level should they meet the minimum criteria required.
In addition, the skills developed within the sector – both through academic work and practical work experience – ensure that, as a graduate of any tourism or hospitality-related course, you are a marketable entity in any business sector.
Fáilte Ireland and the Irish Hotel and Catering Institute (IHCI) have placed particular emphasis in recent years on CPD for all those working in the hospitality industry. For example, they have developed short courses in finance, human resource management and marketing. Similar short courses to help graduates entering the workplace to further develop their skills and competences are provided in-house, and by a variety of educational institutions across Ireland.
The Skillnets programme, set up by the Department of Enterprise, Trade and Employment in 1999, aims to support groups of enterprises to come together to decide on training needs requirements and how these will be addressed. The Hotel Management Skillnets programme, for example, outlined a range of competences that it deemed essential for managers operating in a hospitality environment.



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When looking for a graduate job in the hospitality industry, work experience is vital.
When looking for a graduate job in the hospitality industry, the amount of work experience you have is key in deciding your first job and starting salary. You will have the advantage if you use part-time work, holiday work and placements/internships to gain wider experience of more senior positions while completing your college programme. Hospitality and tourism graduates demonstrate some of the highest levels of work-based learning experience of any graduates entering employment.
It pays to have invested some time early on in finding out what type of experience the top recruiters will be seeking. Some international hotel groups, for example, will only recruit graduates with fluency in at least one additional language, while others will only recruit those who have worked in four/five-star properties. Some leisure centres will only recruit graduates who have gained a lifesaving qualification, and so on.




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The hospitality, sport, leisure and tourism sector offers fulfilling careers for graduates from a variety of disciplines.
In recent times, the tourism, hospitality and leisure sector has been one of the broadest industries across the island of Ireland as well as being one of the largest employers. It incorporates accommodation, leisure/recreation activities, food and drink providers, tourism service providers, events and conferencing facilities, tourism attractions and the transport and travel trade.
The sporting sector is also growing. You’ll find opportunities in many areas including sporting organisations and clubs, sports management and local authorities.

A business-focused career with opportunities for promotion

Every organisation in this industry also offers a range of business-focused career options such as HR, finance, marketing and IT.
The huge range of opportunities in this sector makes it a highly attractive option for graduates looking for a fulfilling career. You will have plenty of chance to take on responsibility and show what you can do. This can lead to great promotional opportunities, often at a very early stage.
To be a success in this industry, you’ll be a person who loves variety and enjoys high energy tasks in a flexible working environment. You’ll love working with people and in teams. You’ll enjoy organising, problem-solving and taking the initiative. Marketing and promoting a product or service will excite you, as will being creative and innovative.
As with all sectors, the global recession has led to recruitment freezes, job cuts and company closures in all parts of the industry. But this sector will also be one of the first to recover. When consumer confidence returns and companies begin to trade again, the industry will see the benefit immediately.



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If you are wondering how to become a bookmaker, below are tips and advice on training for and beginning careers in this field, as well as sport and leisure job prospects in the UK.
The Job Description
Bookmakers can work 'on course' or 'off course'. Off-course bookmakers, also called betting shop managers, run licensed betting offices. On-course bookmakers, or turf accountants, work in betting shops on location - usually at horse or dog racing tracks.
As a bookmaker, you would manage and coordinate all gambling activities. This may include:
developing a team of cashiers
taking money, placing bets and paying out winnings during busy periods
recruiting and training new staff
dealing with complaints
setting sales targets
balancing accounts at the end of the day.
Person Specification
The key personal attributes of good bookmakers include:
good communication, negotiation and customer service skills
the ability to manage a team of staff
the ability to understand betting regulations
an awareness of security issues
the ability to make calculations quickly
time management skills
good organisational skills
basic keyboard and computer skills
honesty, integrity and trustworthiness
some knowledge of sporting events.
How to become a bookmaker
You can begin working in this field either by starting out as a cashier and working your way up (see Betting Shop Cashier profile), or by applying to a bookmaker for a position as a trainee manager. You may also be able to apply directly for a management position if, for example, you have previous experience as a customer service manager.
There are no minimum academic entry requirements to start work as a trainee manager, however, many employers will prefer you to have GCSEs (A-C) including English and maths. Some off-course bookmakers may want you to have qualifications such as a BTEC HND or degree. Subjects with a strong business or maths element would be most useful (check with colleges or universities for entry requirements).
When you apply for a job as a bookmaker, many employers will ask you to sit a basic maths test to show that you can deal with percentages and calculate odds and payments. Extra maths tuition is sometimes provided by an employer.
You may have an advantage when looking for work if you also have previous experience of customer service, supervising colleagues and handling money.
By law you need to be at least age 18 to work in a betting office.
Training and Development
Once you start work with a betting shop, you will usually receive on-the-job training from your employer. This may include spending some time as a cashier (if you have no previous betting shop experience), then gradually taking on the duties of a deputy or assistant manager before going on to manage the shop independently.
If you work for a large employer you may also spend time at a central training centre with other trainee managers. You will usually be trained in areas such as:
calculating bets
betting and gambling laws
marketing the shop
betting shop administration
product knowledge
customer service
managing and developing staff
company policies.
You may also have the opportunity to work towards NVQ levels 2 and 3 in Customer Service. Once you are fully trained and working as a manager, you could work towards an NVQ Level 4 in Management.
The Pay (a rough guide)
Starting salaries for trainee or assistant managers can be between £13,500 and £15,500 a year.
Managers can earn around £20,000.
Job Prospects
You would find job opportunities at one of the many race courses with on-site betting, or within one of more than 8,000 betting shops spread across the country.
You may find greater opportunities for promotion within larger betting shop chains, managing shops with a greater turnover or having responsibility for all the shops in a region or district.



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If you are wondering how to become a fitness instructor, below are tips and advice on training for and beginning careers in this field, as well as sport and leisure job prospects in the UK.
The Job Description
As a fitness instructor you would help people to improve their health and fitness by leading and organising group and individual exercise programmes. You would either instruct a range of activities or specialise in a particular area such as keep fit, aquacise (exercise in water), weight training, yoga or Pilates.
Your work could include:
carrying out fitness assessments, consultations and inductions with new clients
demonstrating routines for clients to follow
showing clients how to use exercise machines and free weights properly
supervising clients to make sure that they are exercising safely and effectively
leading group exercise classes such as circuit training, aerobics or spinning
designing personal exercise programmes.
You may also give advice on healthy eating and lifestyle. In smaller clubs you may carry out routine duties, such as reception, health and safety checks and pool operations.
You could work with specialist groups of people, such as older adults, children, people with disabilities or clients referred by doctors.
Person Specification
The key personal attributes of good fitness trainers include:
good communication skills
an outgoing and approachable personality
diplomacy and tact
the ability to motivate and enthuse people from a wide range of backgrounds
a responsible attitude to health and safety
knowledge of nutrition and healthy diet.
How to become a fitness instructor
To qualify as a fitness instructor you could either complete a nationally-recognised qualification or start as an assistant instructor and complete work-based qualifications.
Nationally-recognised qualifications
The following two qualifications are approved by the Register of Exercise Professionals (REPs) and are the preferred industry standard:
Level 2 Certificate in Fitness Instructing awarded by City & Guilds, Active IQ, VTCT and CYQ
OCR Level 2 Certificate in Teaching Exercise and Fitness.
With both qualifications you can choose to focus on gym, group exercises or water-based exercise. Both qualifications will allow you to gain level 2 entry on the REPs, (also known as the 'Exercise Register'), which will show employers that you are competent and qualified to do your job.
Before you can work you will also need public liability insurance and a first aid certificate, which includes a cardiopulmonary resuscitation (CPR) certificate. You might need lifeguard qualifications for some jobs (see the Lifeguard profile for more details).
If you intend to work with children or other vulnerable groups you will need a CRB (Criminal Records Bureau) clearance.
Work-based qualifications
You may be able to start as an assistant instructor and complete qualifications whilst working under the supervision of a qualified instructor. As an assistant fitness instructor you could work towards NVQ Level 2 in Instructing Exercise and Fitness, which is awarded by City & Guilds, CYQ, Active IQ and Edexcel.
When you have completed the NVQ you would be eligible for level 2 entry on the REPS.
You may be able to get into this job through an Apprenticeship scheme. The range of Apprenticeships available in your area will depend on the local jobs market and the types of skills employers need from their workers.
Training and Development
Once you have a level 2 qualification you can go on to qualify as a Level 3 Advanced Instructor by completing one of the following qualifications:
Level 3 Certificate in Advanced Fitness Instructing (Gym or Group Exercise) awarded by CYP and Active IQ
Level 3 Certificate in Advanced Fitness Instructing (Gym) awarded by OCR, City & Guilds and VTCT
Level 3 Certificate in Personal Training awarded by CYP and Active IQ
an industry recognised award offered by some employers and universities – see the REPs website for details
NVQ Level 3 in Instructing Physical Activity and Exercise awarded by OCR, City & Guilds, CYP and Active IQ.
When you have completed the main qualification you can join the Register of Exercise Professionals (REPs) at level 3. You can also do further units in working with children, older people, pre- and post-natal, people with disabilities and GP referrals.
The new Level 4 Specialist Exercise Instructor qualification is available from the end of 2007. This will include units on designing and adapting physical activity programmes for the following areas:
coronary heart disease
mental health
obesity
diabetes
frail older adults/falls prevention
after-stroke care
back pain.
You would need to be qualified and experienced as an advanced instructor before beginning the level 4 qualification.
The Pay (a rough guide)
Starting salaries can be around £10,000 to £12,000 a year.
This can rise to from around £14,000 to over £20,000.
Freelance instructors can earn £10 to £20 an hour.
Job Prospects
There has been growth in the number of leisure facilities in recent years, leading to an increased demand for instructors. However, competition for jobs is still strong.



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If you are wondering how to become a sports coach, below are tips and advice on training for and beginning careers in coaching, as well as sport and leisure job prospects in the UK.
The Job Description
Sports coaches are employed to teach skills, tactics and techniques to teams or individuals of any ability, from beginner to international professional standard. They assist people to participate safely and to their maximum potential.
Typical responsibilities:
- planning training programmes
- running practice sessions
- supporing participants at competitions
- analysing performance and giving feedback
- assessing the mental and physical condition of clients
- helping to develop individual players into good teamworkers.
Most coaches are volunteers, working alongside a full-time job.
Coach development officers (CDOs) are experienced, qualified coaches working alongside County Sports Partnerships (local agencies aiming to assist people to benefit from sport) to help coaches to develop skills and gain qualifications.
Person Specification
The key personal attributes of good sport coaches include:
- enthusiasm for the sport
- strong verbal communication abilities
- ability to inspire and motivate others
- skill in analysing problems
- patience and determination
- organisational abilities
- sensitivity and a supportive manner
- physical stamina.
How to become a sports coach
Training as a sports coach involves gaining a coaching qualification recognised by your sport's national governing body or NGB. You can gain these qualifications via:
- the NGBs
- a college / university course.
Working with children requires Criminal Records Bureau (CRB) clearance.
NGB qualification is normally gained by short, part-time or full-time courses, or via distance learning. You need to demonstrate coaching ability and getting involved in voluntary work will usually be of benefit. The Sport England site lists local clubs and activities.
College or university courses can include:
- degrees in sports science, coaching, movement studies, sports studies or PE foundation degrees (contact UCAS for information).
- BTEC HNC/HND Leisure Studies (contact local colleges).
Local apprenticeships may also be available.
Training and Development
After gaining a basic coaching qualification required by your sport's NGB, you may decide to take advanced qualifications.
Sports coaches can work towards:
- NVQ Level 1 Sport, Recreation & Allied Occupations
- NVQ levels 2 & 3 Sport, Recreation & Allied Occupations: Coaching, Teaching & Instructing.
In order to progress in coaching you should stay up to date with issues in your sport, and have knowledge of relevant sports nutrition and psychology.
Sports Coach UK works with NGBs and SkillsActive, the national Sector Skills Council for Active Leisure and Learning, developing the UK Coaching Certificate - UKCC - a 5-level framework for recognised, transferable coaching qualifications. Some are already accredited.
The Pay (a rough guide)
Full-time salary can be between £12k and £20k per annum.
Part-time pay varies according to the number of people coached and the level.
Hourly rates usually range between £10 and £20.
Job Prospects
Coaching opportunities vary by sport and full-time roles are usually in professional sport such as tennis, football, golf, cricket or athletics. Finding vacancies can be difficult in this highly competitive industry. 



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If you are wondering how to become a sport scientist, below are tips and advice on training for and beginning careers in this field, as well as science, sports and leisure job prospects for the UK.
The Job Description
A sport and exercise scientist helps his or her clients in improving sporting performance and overall health by using scientific knowledge from areas including as biomechanics, physiology and psychology.
The goal of sports science is to support sports clubs and athletes. Exercise science looks at preventing illness, improving health and assisting recovery through physical activity.
The roles of exercise and sport scientists could involve the following:
- work alongside colleagues like sport coaches and therapists to monitor athletes and teams, helping to improve their performance
- work with doctors, assisting people to improve health through exercise
- work with hospitals or care trusts on cardiac rehabilitation, health promotion and research projects
- making contributions to development and manufacture of sport related equipment.
Person Specification
The key personal attributes of good sports scientists include:
- an interest in sport
- strengths in analysis and organisation
- interest in the application of science
- excellent communication abilities
- good teamwork skills.
How to become a sport scientist
You would usually require a degree, generally in sport / exercise science or you could have a degree in another relevant subject like physiology, PE or psychology, as well as subsequent postgraduate study.
BASES - the British Association of Sport and Exercise Sciences - publishes details of courses as well as advice on how to chosse one.
Following a degree, career prospects could be improved with practical work experience within roles such as fitness instructor, lifeguard or sports coach.
Training and Development
A qualified sports scientist can join BASES and by presenting evidence of work, gain accreditation recognised across the UK. This may be beneficial when job hunting.
BASES members can participate in workshops and conferences programmes to keep abreast of industry developments.
Further study could be a good idea to gain expertise in a niche such as cardiology or health promotion.
The Pay (a rough guide)
A qualified sports scientist can earn anywhere between £20k and £40k per annum.
An experienced sports scientist involed in high level competitive sport could earn £60k+.
Job Prospects
Sports science has gained importance as the health benefits of exercise have become more widely recognised. Most athletes now see sports science as integral to effective training, but gaining a job in this field is still highly competitive.
You may be able to find an opportunity with a university, sporting organisation or public / private sector enterprise. Many industry professionals are self-employed and work as consultants.



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Want to know how to talk to random strangers? Then this article is for you. I'll share with you 3 simple steps to easily start a conversation with someone you've never met before.

Barring liquid courage (which gets you into trouble more often than not), find out what other options you have so can learn to talk to random strangers right now.

Step 1: Excel In The Art Of Conversation.

The first thing you need to do is work on your conversation skills. Can you hold up a decent dialogue with your friends and family? If you can't even do that, then you need a little more practice before you even try initiating a conversation with a complete stranger.

Be comfortable voicing out your thoughts and expressing yourself. Learn to relax as well, so you won't accidentally blurt out something inappropriate in panic.

Once you've gotten used to talking to the people you already know, that's when you go out and explore the various ways to talk to random strangers.

Step 2: Start Small.

If your target is that beautiful regular over at your local bar, I suggest you practice with the small fry first. Try making small talk with sales attendants as you shop. If it's a slow day at your favorite coffee shop, maybe you can initiate small talk with the barista.

If you don't feel ready to initiate whole conversations, you can also try simply smiling and greeting the people whom you see everyday.

The building personnel, your landlord, the local librarian and other people you meet make for good training. They'll help you build your confidence, as well as train you into making it a habit.

Step 3: Be Open And Friendly.

Learning how to talk to random strangers is not always easy, considering how suspicious people can be. That's something you can't control. What you can control though, is the way you approach them.

Be respectful of personal space and don't try to engage strangers in a serious conversation. Keep things light and friendly.

If you're a beginner, I suggest that you limit the conversation to only a few minutes. If the person does not show signs of wanting to talk any longer, then end the conversation on a light note and go off to do your own thing.

Learning how to talk to random strangers is very admirable. And though the path to success is not always easy, keep in mind that worthy goals are hardly ever without some sort of challenge.

by: Michael Lee

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Outsourcing now is a very popular word and in today's world lot of business proprietors prefers to outsource their work. To them they get better service from the outsourcers. Outsourcing bookkeeping services is the latest business trend and that is the reason more and more outsourcing companies are flourishing nowadays. Previously it was not this professional only the home based individuals used to provide such services. After that the demand grew to such an extent that companies were build just to offer outsourcing the services. These companies hire expert and competent accountants who focus on specialized bookkeeping service and provide these efficient services to the companies who are looking for Outsourcing bookkeeping services.
àPeace of mind: Handing over bookkeeping responsibilities to a professional affords the business owner a great deal of peace of mind, and with it confidence that their accounts are being well looked after. With this peace of mind comes the ability for business owners to concentrate on what they are good at; running the business!
àConsistency: The likelihood for error is greatly reduced when you outsource your bookkeeping to an external service provider, as they are separated from all of the internal processes and office politics that can sometimes distract an internal accountant.
àTime saving: Just like many other types of outsourced services one of the primary benefits of outsourcing bookkeeping services is that it frees you up to sped your time on other activities. As a business owner time is an extremely valuable commodity, so anything that helps to save time is a very attractive prospect indeed. Outsourcing bookkeeping services allows a greater focus to be placed on new business development.
àMoney Saving: Outsourcing your bookkeeping services eliminates the need to employ a full time accountant for your company. You only pay when you need accounting work done, which is significantly cheaper that hiring a full time employee. For small businesses especially this is a significant advantage; as there tends to be a lot less day to day work to be completed, and the accounting work can be scheduled at a time convenient for the business owner. Also, you save on the money you would normally spend to continually train an in-house accountant.
àExpertise: Bookkeeping can be a very expensive and time-consuming process. Having a fully qualified accountant who is up to date with all the current industry standards and training means you will always have a high level of expertise at your disposal. This is not necessarily the case with an in-house accountant, as depending on your business structure they will not have access to the same ongoing training a bookkeeper working for a dedicated bookkeeping firm would have.



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Manish Singh

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Long Term Care Insurance has been established many years ago. It all started in the beginning of the national Medicaid program. Unfortunately, a lot of things have changed now. One dramatic change that we can say is the coverage of the LTCi nowadays. It covers a wide range of services that may include nursing home cares, care in assisted living facilities and sometimes, even adult day care.

As we get older, the question that pops to our mind is "To get or not to get a long term care policy?" How will you protect your assets, etc. They say that if you purchase a Long Term Care Insurance, it's like you're protecting you assets too. It's like a justification for the purchasers of the insurance, the reason why they are buying Long Term Care insurance is because they have assets that are worth protecting.

Actually, the most important asset that we should be protecting is our health. It also determines one's ability to secure Long Term care protection. This is the common mistake that people do nowadays. They really don't give that much consideration in securing their Long Term Care insurance not until something tragic will happen to them or their other loved ones. In this case, getting a Long Term Care insurance may not be a good idea.

Long Term Care is usually needed as we grow old. We have to remember that as we age, we would need some kind of assistance that sometimes, only Long Term Care Insurance can provide. We have to admit the fact that there will be also some circumstances where in we will be needing some of the services from the Long Term Care insurance even if we're not old already. This may be because of chronic diseases or as we recover from an accident or any serious illness.
So if you really think that you should avail some of the Long Term Care insurance, you really have to choose what long term care insurance company will you go for. First thing that we should do is to contact as many companies as possible. You have to have a lot of choices. Try to compare their services, the mode of payment and which product will suit you best. Also, when narrowing down your choices, you have to be sure about the limitations of the coverage of their service, the exclusions in their service and the premiums that you have to pay.

Also, as much as possible, don't let the sweet tongue of their endorsers allure you to into buying your products. You got to be wiser than them. For all you know, those endorsers did not even purchase those insurance themselves. Being wise in buying LTCi and determining the right coverage ensures meaningful retirement years.



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by jessica

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Every insurance company would dig enough to be sure that you are not going to die before they can get enough money to cover your policy value. That is why the smokers are charged with higher premium costs as insurance companies are well aware that smoking affects human's life expectancy and can be a cause of a person developing any one of the fatal illnesses in future. Thus even if you are not a chain smoker or smoke cigarette occasionally, you will be charged more for your life insurance cover.

The insurance companies classify even smokers differently placing their policies in categories like heavy or moderate smokers depending on how much they smoke. People, who are classified as moderate smokers, often have lower premiums than people who smoke heavily. The insurance company decides if they classify based on amount you smoke, or just that you smoke at all. One company may consider you as a heavy smoker and the other may take you as a moderate smoker and give you lower rates.

There are more categories of classifications like if you are a smoker, and otherwise healthy, you will most likely fall into the "preferred category". Or if you have recently quit smoking, you may fall into the non-smokers' category. This all depends on the insurance company and what their framed rules are. Some companies offer smokers graduated premium scales, with rates that go down gradually. The longer a person remains free of tobacco, the chances are that you will reach non-smoking status within one year.

Since the rates are always higher for smokers than that of non-smoker rates, it is important to get the lowest rate insurance with the best life coverage. Shopping around for the best policy and looking at different companies, and the rates they offer, is the best way to find one that is right for you. Even if you are a smoker, you can get a good online insurance quote; it is just a matter of looking in the right insurance company.




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Some people will tell you that you get what you pay for, and that if it seems too good to be true, it probably is, but neither statement really applies when you are buying cheap auto insurance online. The internet has proven to be the best way for millions of consumers to buy car insurance, resulting in a better policy and a cheaper rate.

If you haven't taken a look at your insurance policy in a year or so, then now is the time. You can buy cheap auto insurance online that will make you realize how much money you are actually throwing away right now. Most people who shop online find that they pay up to twenty percent less once they sign up for a policy online – and that is a lot of money in most households.

When you are buying cheap auto insurance online, you are not buying some sort of inferior product. In fact, it is quite the opposite. When you buy online and deal with companies who are "internet friendly", you will have more interaction with them and usually be able to change your policy at any time. This is ideal for people who want to make sure that they are paying the lowest possible price at all times.

Perhaps the best feature of shopping for and buying your car insurance online is that you can compare policies and companies much easier. With the simple click of a button, you can have policies and their prices right in front of you. This makes it easy to choose among them, compare the coverage levels they are offering, and choose the company with the best reputation and the lowest price. Most people find that once they buy their first insurance policy online, they never have to talk to an insurance agent again!




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Klara kaplan



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There are many things you have to keep in mind when looking for caravan insurance. One of these will of course be the cost of the cover, but another is what you actually get for the premiums you pay. If you do not take out enough insurance and your caravan is stolen or destroyed you would lose everything. On the other hand over insure and you are paying out for insurance that is surplus.
Here are some of the many things you should make sure are included in the cost of your insurance.
  • New for old cover - new for old protection should cover all of the furnishings, fittings and contents of your static or touring caravan. If these are destroyed or stolen you then get replacements at the cost of items today. New for old should also relate to the caravan itself. When considering this you have to have your caravan and contents valued and this is the agreed sum of money that you insure for.
  • Liability insurance is needed in the event that you damage to a third parties property or injure a third party. This could include damage caused when towing your caravan or if you rent your caravan to others and someone gets hurt while staying in it. In either of these cases you could be taken to court and you would have to pay out considerable costs. Liability insurance would pay towards the court costs.
  • If looking for European insurance for a touring caravan bear in mind that some providers may offer more for your money than others. All insurance providers will offer you up to so many days coverage so if you plan to spend a lot of time in Europe, the more days you get for your money the better.

Things to consider when looking for insurance for your caravan
Once you have compared the cost of insurance for your caravan and what you get for your money you then have to turn your attention to the small print of the insurance policy. While it can be boring to read it is essential that you pay attention to the small print as this is where you can find what is excluded, the limitations and what the provider expects from you as the policy holder.
The small print in your caravan insurance policy is also where you can find how much excess you have to pay towards a claim. Every provider will state a minimum amount that you need to put towards a claim but you could offer to pay more. The excess sum of money has to be paid before the insurance provider will pay out on your claim so bear this in mind when deciding to pay more. While offering to pay more in excess may help to reduce your insurance premiums by a little each month, you have to ask yourself where you would get the money from in a lump sum, to pay in the event of a claim being made.





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Adam Leyton

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Since 1965, when Medicare was signed into law, the program has undergone some significant changes and welcomed some additions in the quest to improve the quality of care that people receive under the program. One of the most popular recent additions to the program has been the Medicare Advantage Plan.
Part of the Balanced Budget Act of 1997, the Medicare Advantage Plan allows Medicare beneficiaries to receive their benefits through private health insurance plans, as opposed to the original Medicare Plans (Parts A & B). This particular plan allows beneficiaries the option of receiving insurance through the private plan of their choice. While these plans are often limited to a specific network of doctors, most companies allow you to pay an additional fee to see a doctor outside of the specified network. This allows beneficiaries to receive the care they want from the doctors they want and still receive their Medicare benefits, albeit in a different way.
The Medicare Advantage Plan also allows for a little more flexibility than traditional Medicare does. This plan includes prescription drug coverage, and beneficiaries can choose Advantage plans that include dental and vision care as well as health club or gym memberships. The plan places a heavy emphasis on preventive care. These advantages come with the condition that you must stay in-network for your care, but many beneficiaries find this trade-off more than reasonable. Overall, those who decide to participate in Medicare Advantage generally do so because they see the Advantage Plan as a better value than traditional Medicare.
But the Medicare Advantage Plan is not perfect. Many people who were originally enrolled in Medicare Advantage have since switched back to traditional Medicare. The most common complaint of former Advantage Plan holders was that the quality of Medicare was less than satisfactory. If you think that Medicare Advantage sounds like the right plan for you, be sure to talk it over with your healthcare provider and, if you can, an insurance professional to make sure that you understand the differences between traditional Medicare and Medicare Advantage and the effects that each plan will have on your healthcare.




Theo Rasebotsa



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"Saving on your small business health insurance can be a challenge. But there are ways to overcome the financial obstacles and get the coverage necessary for your business. There are two major benefits of employer-based coverage. First these plans, although expensive, usually carry the best all around protection for you and your employees. Second, providing benefits plays a key role in attracting and retaining quality employees."

Why is coverage for small businesses so much more than for large corporations?

Health insurance for small businesses cost so much because of the high quality coverage concentrated among a small group of people. Every individual within the group represents a different level of financial risk to an insurance company, and this risk is added up and spread out among the group. Large corporations pay considerably less because the risk is spread to such a large group, where small business owners can see unreasonably high increases in premiums due to one or two members. Small businesses also have to insure their employees under state mandates, which can require the policies to cover some specific health conditions and treatments. Large corporations' policies are under federal law, usually self-insured, and with fewer mandated benefits. The Erisa Act of 1974 officially exempted self-funded insurance policies from state mandates, lessening the financial burdens of larger firms.

Isn't the Health Care Reform Bill going to fix this?

This remains to be seen. There will be benefits for small business owners in the form of insurance exchanges, pools, tax credits, subsidies etc. But you can't rely on a bill that is still in the works, and you can't wait for a bill where the policies set forth won't take effect until about 2013. Additionally, the bill will help you with costs, but still won't prevent those costs from continually rising. You, as a business owner, will need to be fully aware of what you can do to maintain your bottom line.
What can I do?
First you need to understand the plan options out there. So here they are.

PPO
A preferred provider option (PPO) is a plan where your insurance provider uses a network of doctors and specialists. Whoever provides your care will file the claim with your insurance provider, and you pay the co-pay.

Who am I allowed to visit?

Your provider will cover any visit to a doctor or specialist within their network. Any care you seek outside the network will not be covered. Unlike an HMO, you don't have to get your chosen doctor registered or approved by your PPO provider. To find out which doctors are in your network, simply ask your doctor's office or visit your insurance company's website.

Where Can I Get it?

Most providers offer it as an option in your plan. Your employees will have the option to get it when they sign their employment paperwork. They generally decide on their elections during the open enrollment period, because altering the plan after this time period won't be easy.

And Finally, What Does It Cover?

Any basic office visit, within the network that is, will be covered under the PPO insurance. There will be the standard co-pay, and dependent upon your particular plan, other types of care may be covered. The reimbursement for emergency room visits generally range from sixty to seventy percent of the total costs. And if it is necessary for you to be hospitalized, there could be a change in the reimbursement. Visits to specialists will be covered, but you will need a referral from your doctor, and the specialist must be within the network.

A PPO is an expensive, yet flexible option for your small business health insurance. It provides great coverage though, and you should inquire with your provider to find out how you can reduce the costs.

HMO (Health Maintenance Organization)

Health Maintenance Organizations (HMOs) are the most popular small business health insurance plans. Under an HMO plan you will have to register your primary care physician, as well as any referred specialists and physicians. Plan participants are free to choose specialists and medical groups as long as they are covered under the plan. And because HMOs are geographically driven, the options may be limited outside of a specific area.

Health maintenance organizations help to contain employer's costs by using a wide variety of prevention methods like wellness programs, nurse hotlines, physicals, and baby-care to name a few. Placing a heavy emphasis on prevention cuts costs by stopping unnecessary visits and medical procedures.

When someone does fall ill, however, the insurance provider manages care by working with health care providers to figure out what procedures are necessary. Usually a patient will be required to have pre-certification for surgical procedures that aren't considered essential, or that may be harmful.

HMOs are less expensive than PPOs, and this preventative approach to health care theoretically does keep costs down. The downside, however, is that employees may not pursue help when it is needed for fear of denial. That aside, it is a popular and affordable plan for your small business health insurance.



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by julian


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We all need to have health insurance, and for anyone who is are self employed, or are unable to obtain insurance from your employer, you will have to look into purchasing individual health insurance. Insurance on your own is generally considerably more costly than when you get it from a company, so it pays to shop around and find the best coverage for you. Despite the fact that they are called individual policies, they usually can insure your spouse and kids as well. However, whenever you apply for a policy, there is no guarantee that says you will be approved for an individual policy. If you have certain health conditions, since the policy is medically underwritten, your insurer might deny your application, or add exclusions to your plan. There are a few states that make this practice illegal, and this means that health insurers will have to offer you a policy, whatever medicals problems there are.

People who are older or who are in bad health, will have to pay higher premiums than those who are younger and in excellent health.

Knowing how health insurance is priced is without doubt one of the most confusing aspects of obtaining individual health insurance, so researching various companies and their rates might make a big difference in the amount you have to pay for health insurance.

When you are hunting for individual health insurance, don't let all the confusion make you shy away from obtaining a policy. Even for people that are in great health, one accident could land you in economic peril without health insurance. Some questions to think about when buying individual health insurance are: Easy To Insure ME has the answers

Do I wish to keep my current doctor? If there is a doctor that you really like, this might determine whether an HMO or PPO plan is best for you and your family. In case you have an HMO, then you have to use their doctors, but a PPO plan will allow you to use the physician that you pick.

Just how much will it require me to pay out of pocket, and just how much will my premiums be every month? Is it smart for me to pay more for lower out of pocket costs? For a comprehensive health plan that doesn't have many out of pocket charges, an HMO could possibly be what you are searching for. However, if you're in your 20′s or 30′s, do not have children, and also have more money saved up, you can save money by only obtaining insurance for catastrophic illnesses. This will mean that you will have to pay out of pocket for virtually every tests or doctor appointments.

Just how much health cares will my family need? Think of any services that could be needed by your loved ones on a regular basis. If someone has asthma in the family, will they need to go to an asthma specialist to regulate their illness?

When you can take some time to compare and think about the health insurance you and your family need, it could possibly make buying individual health insurance much less difficult, and provide the health coverage you and your family need for a price that you'll be able to live with at the same time.




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