Cholamandalam Travel Insurance Plans

Indians are travelling like never before. Be it for leisure, business, further education or more, there is an estimated increase of 20% traffic travelling overseas every year. And a study shows that 80% of the travelers like to buy travel insurance policies online to ensure they are leaving their baggage of worries at home while they travel overseas.

There are many insurance companies offering travel insurance plans. Cholamandalam is one of the reliable travel insurance among these. Although most of the benefits arising out of Chola Travel Insurance are the same as others viz Medical Treatment, Repatriation of Remains, Dental Treatment, Checked Baggage Loss, Checked Baggage Delay, Passport Loss, Personal Liability, Hijack Relief Benefit, Hospital Daily Cash, Financial Emergency, Trip Cancellation, Trip Curtailment, Trip Delay, International Driving License Loss, Home Burglary, etc. However what sets Chola apart from others is:
Door-to-door Cover which means that your travel insurance starts the moment you leave your home for airport and ends when you return home from airport. Also it covers Personal Accident both overseas and domestic during your travel insurance validity.
Extensive network of hospitals and service providers all over the world.
Age Limit of family members starts from 3 months upto 80 years. No medical checkups are required for family members upto 65 years of age.
Pre-existing conditions are covered under life-saving unforeseen emergencies. Cholamandalam provides cover for any eventuality arising from a pre-existing condition.
Tie-up with I-SOS (the world-renowned International SOS) for Claims Processing and Assistance Services.

Besides the above listed benefits you get Toll-free phone numbers to contact the service provider from most frequently visited countries. The claims are settled fairly in a quick fashion. You just need to keep a copy of all the bills so that you can substantiate your claims and get timely reimbursement.

Cholamandalam insurance can be bought online at EIndiaInsurance. You can compare the insurance plan with other brands and can get a quote immediately. You can also speak to insurance agents on the phone to get complete information on the plan that you are interested in. Whenever buying an overseas travel insurance always remember to see what all is excluded and get complete clarity so that you know what you are paying for, what all it covers, what are its benefits and be sure if its worth your hard earned money or not. Last but not the least, do not just buy any travel insurance which is cheap coz you might have to shell money out of your pocket in the event of any unforeseen emergency which might not be covered under the cheap travel insurance plan. A few rupees more might just give you a complete peace of mind while you explore the other world. So travel, but with a good travel insurance plan in your backpack!

Hispanic Tax Franchise Marketing That Makes Sense!

The Hispanic market is one of the most lucrative markets in America, yet many businesses have failed to substantially tap this market for one reason – a lack of understanding. Tri Tax understands the Hispanic market because their roots are in catering to just such a demographic. Can this knowledge help you succeed? Absolutely.

Incredible Potential

The Hispanic market is the largest minority market in the entire country, and it is growing exponentially. Every year, this market increases significantly, and represents a larger pool of potential consumer dollars. In fact, the Hispanic market is not just the fastest growing minority group in the US, but the fastest growing consumer market of any kind. The Hispanic population currently sits at 40 million, and is increasing all the time. Furthermore, the economic purchasing power of Hispanics is increasing steadily, and recently topped $1 trillion for the first time.

Incredibly, this is a market that many retailers are unable or unwilling to cater to. Much of this comes down to effective communication. Tri Tax understands the Hispanic market and have developed a easy to follow system to help tap into this incredible pool of potential.

Know Your Audience

Knowing your potential consumer base inside and out is one of the most basic and fundamental aspects of business. In order to generate business, you need to market yourself. But in order to successfully market yourself, you need to craft an effective message. What constitutes an effective message? It depends on who you are trying to reach, which is why you need to understand the market you are attempting to reach before you begin this process.

Tri Tax does not exclusively target a Hispanic audience. But we refuse to alienate a huge potential consumer base because of a lack of effective communication. And this communication goes beyond just speaking Spanish or putting out a Spanish advertisement. Communication boils down to understand the needs of your consumers, and then providing qualified solutions to these needs.

The Tri Tax Advantage

At Tri Tax, we have achieved and subsequently sustained a huge operational advantage over our direct competition by incorporating the Hispanic market into our marketing and business plans. This is an advantage that gets passed directly on to our franchisers. By sharing our knowledge and expertise, we will help you sustain this advantage over your direct competitors.

By instituting a few simple operation contingencies, you can give your franchise a significant boost, and give a boost to your chances of long-term success in the process. To learn more about Tri Tax Franchises, and what we can offer you, please visit us online at

Cp 91 – Tax Masters Explains What Irs Notice Cp 91 Means

What is a CP 91?

Similar to a CP 90, A CP 91 is a final notice before the IRS puts a levy on your social security benefits. Basically, the IRS is letting you know that they will be taking money out of your social security benefits to pay off the taxes you owe. If your monthly benefit is more than $750, the IRS can garnish 15% of your monthly benefits for taxes that are at least six months overdue.

How serious is a CP 91?

On a scale of 1 to 10, this is a 10! You will not be receiving any more notices and the IRS will be taking your social security benefits. You need to act quickly if you want to try and stop it.

What can I do when I receive CP 91?

Whatever you do, DO NOT ignore the CP 91 tax notice! That will only ensure that your benefits are taken and you will be put in bad standing with the IRS. Because this notice is so serious, your best bet is to contact a reputable tax resolution firm, an enrolled agent, CPA, or tax attorney familiar with tax debt cases. You have a decent shot at a good settlement because you are past your earning years. When settling your taxes, however, you must show hardship (form 433-A) and must be able to come up with the money to apply ($150) and 20% of the amount that you propose to settle the debt for. Plus, you have to show where you got the money to pay for this process and how much you plan to pay and when (An Offer in Compromise- form 656). Having a tax representative to get all the documents, forms, and finances in order, in a way that the IRS will accept, can really increase your odds of a good settlement.

If you dont qualify for An Offer in Compromise there are still some things a tax resolution firm can do to help you. They might be able to set up a partial payment plan (where you only pay what you can afford every month) or get the IRS to declare the debt uncollectable. Bottom line is, you have to do something because your benefits are at serious risk.

Important Information about CP 91:

The IRS may start the process of levying your Social Security benefits before your 30 days is up, because they know the system is typically slow. In other words, you need to deal with this IMMEDIATELY (it may already be too late). The IRS will not deal with a tax payer in any way before they have filed ALL delinquent tax returns. In other words, before you can stop a levy, you must have filed all old returns. There are NO EXCEPTIONS!

Disclaimer: The above should not be taken as tax advice, but as some common sense responses to an IRS notice.

Cheap Michigan No Fault Insurance Quotes in Minutes

Now, where to get the finest Mich no-fault insurance quotes? Seeking online is the selection of activity and is likely the easiest solution to go for most folks. You’ll have the widest collection of insurance companies and filling in forms for estimates will be quicker. The typical idea when seeking Michigan no fault insurance quotes is always to obtain as many quotes as possible. Acquiring an insurance quote is typically free, so go ahead and acquire as many as you prefer. By seeking quotes from several companies you will find out about how much you actually have to purchase car insurance, and then you may select from which company to buy insurance from.

There is another solution, if you do not want to-do all the work of obtaining multiple quotes. You can look for a completely independent insurance agent who is going to do a lot of the work for you. They are going to basically take your info down and look around to find the best offer they can locate for you. It is a great trade off should you not have the time to look for Mich no-fault insurance estimates. There are just several states which have no-fault insurance so far, but it’s a great method which intends to lessen the costs for everyone.

Additional automobile insurance systems generally imply that someone has to go to court to be able to prove who was at-fault in causing the mishap. No fault insurance skips all that mess. Usually what occurs with no fault insurance is the fact that when you enter into an accident, you can’t really sue another party. Your insurance pays for your and another parties insurance pays for them. It’s rather straightforward. In reality, there are certain actions you’ll be able to consider depending in the state, but generally speaking, that is the gist of the situation.

For a free quote call (888) 398-6689 or click here:

Fraudulent Iphone Insurance Claims Rise During New Iphone Model Launch

iPhone Insurance companies are fighting back against those customers who claimed that they had lost their new iPhone. Unfortunately, some iPhone insurance companies did not provide full protection in the event that their iPhone is lost. That is why when an iPhone user finds themselves in the situation where they had misplaced their iPhone, most of them take the decision to claim that their iPhone had been stolen. This is because they can make a claim on their iPhone insurance policy. Informing your insurance company that your iPhone had been stolen could be a real thorn for them.
Unfortunately, this may not be the case anymore. iPhone insurance companies are now doing their best in trying to seek out customers whom they believe that are making a false claim by stating that their iPhone has been stolen. Many iPhone insurance companies nowadays have more intelligent strategies to check if their customers have claimed an item has been stolen. They hire trained advisers to ask claimants certain questions about the alleged theft. Also how and when it took place. These trained advisers are trained to notice the same occurring patterns that are very common amongst false insurance claims.
But unfortunately, there are many iPhone users seem to be unaware that making a false claim will lead to a criminal conviction. That must be a real wake up call for those people who had a habit of making false claims that their iPhones, laptops were stolen. They would certainly have a criminal record and these might affect their future like when they have plans in applying for a job.

This is not just for iPhone insurance but it is also applicable for home insurance products, laptops and those things that have insurance. Insurance companies or providers are now turning to a zero tolerance with this type of offence. IPhone insurance companies require now a Police incident number before they can start processing your iPhone insurance claim. And in order for you to get a Police incident number, you have to make sure that you will have to report your iPhone as stolen to the Police and then make a statement to that effect. The Police now are also involved with insurance fraud of this nature. In this case, you are not just making your own criminal conviction for insurance fraud, but also this scenario could even get you into jail. This is all because your company did not cover you for the loss of your iPhone.

Items That A Home Based Life Coach Can Deduct At Tax Time

Below are 19 common deductions for someone working from home (as over 90% of coaches do).

Working from home has many advantages. For one you are able to organizing and arrange your time based on what works best for you and your family. If you work best in the morning then you are able to schedule your most important calls and computer work then, observing a more relaxed schedule in the afternoons.

Have fun and enjoy spending your income on deductible related expenses. I like to spend my money on coaching and life improvement or success books, and on coach training materials or programs.

Keep track of your receipts and easily enter the numbers into your accounting books. After you have entered it in, mark the receipt as “entered” and store it in an appropriately labeled envelope. (“June Outgoing” for example.)

As a coach working from home, what can I deduct?

1. A portion of air conditioning, electricity, heat, and water.
2. A portion of your house insurance or renters insurance.
3. A portion of your rent or mortgage can be deductible if you have a space that is dedicated to the use of your home office.
4. Bank account, check cashing and check replacement fees.
5. Books related to coaching, life change, marketing, business, taxes, bookkeeping, success, self help, weight loss, health, psychology.
6. Cleaning supplies. This includes waste baskets, cloths, and floor cleaners etc.
7. Computer parts/ supplies.
8. Salaries: general employees, assistants, secretaries, receptionists, accountants, bookkeepers.
9. Interest on any business related borrowing you did, though for a home coaching business it is rarely necessary to borrow to start your business. This would include credit card interest as well.
10. Internet.
11. Mail related items: stamps, envelopes, gas used to mail the letter.
12. Maintenance and repairs including waste and snow removal.
13. Office furniture.
14. Office supplies.
15. Phone.
16. Printer parts/ supplies.
17. Security system.
18. Software.
19. Training. (Coaching or business related.)

The Basic Duties of Insurance Brokers

Insurance brokers who are commonly referred to being insurance agents are the link between clients and insurance providers. An insurance broker has to have sufficient knowledge of the insurance market trends in order to be able to design an insurance policy for a client.

They have to collect data on the client and evaluate their needs as well as the risks involved. They must evaluate the value of various insurance policies and compare them according to the cover level as well as price.

While they arrange the cover for clients they must submit all details of the clients to the insurance providers. They have to negotiate the terms of insurance policy with the insurers to get the best deal for their clients. They even have to renew or adjust policies they have provided.

Insurance brokers must meet the legal requirements while designing an insurance cover. They have to have thorough knowledge of the methods of premium collections as well as how each account is processed. These sales agents must advise clients as to how to make a claim according to their policy. They have to be able to complete all records of the insurance covers they provide by issuing documentation, inputting information on computer systems and saving in record form all the details. They must also prepare detailed reports for insurance underwriters as well as insurance surveyors in various complicated cases.

These insurance sales agents normally provide general insurance covers for individuals and organizations. This includes insurance policies for vehicles, homes, travels, property, business, life and even pets.

Keep in mind that when it comes to commercial insurance these agents have to deal with more complex subjects for insurance such as life insurance for celebrities or very large insurance cover plans for huge industries.

Insurance brokers have to be able to prove their reliability. They have to have the ability to design as well as define each policy cover required by a client according to their respective needs.

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The Iphone Insurance Recommendation You Can Rely On

Ensquared through their phone insurance Calculator has zoned in on the best iPhone insurance options available in the US. Ensquared have identified Square Trade as the leading provider of iphone insurance. This is a high profile need in light of the fact that AT&T – the current exclusive phone service providers for iPhone – categorically do not offer iPhone insurance in any shape or form. It is without doubt that the Ensquared research in the iPhone insurance space is invaluable.

The biggest risk iPhone subscribers face is by far and away phone damage. Simply put this means breakage through water damage, spills or drops. In short: Accidental damage, which is very different from manufacturer support issues (normally one year) or manufacturer support problems that occur after the support period expires (malfunction as a result of factory sourced issues).
Apple Care, representing the manufacturers, offers an extended warranty program for $69 per annum that completely bypasses accidental phone damage. In essence this means that subscribers looking for protection against the biggest item of risk remain uncovered if left to Apple or AT&T.

Ensquared are the foremost authorities on iPhone insurance and in fact any cell phone insurance for that matter. They identified Square Trade as the leading provider of iPhone insurance in the most needed area (accidental damage) that offers a combined coverage of extended warranty (kicking off in the second year of course once the standard warranty lapses) and phone damage from day one. The premiums are by comparison with Apple Care way lower with much more value. They are $48 pa, $60 pa and $72 pa for the 8GB, 16GB and 32GB models respectively on 2 year contracts, payable if you like over three months, and only $50 deductibles (with claim limits $300, $400 and $500 respectively)

Square Trade iPhone insurance service is very reliable and as long as you buy the insurance on date of activation with AT&T there is no wait period. Granted, there is no coverage for iphone lost or stolen, but in an arena where the only thing out there is extended warranty at an enormous dollar number the Square Trade iPhone insurance is an excellent option covering the majority of potential risk factors
Ensquared have established a close relationship with Square Trade providing all the back-up information you require and a very accurate comparison tool (first ever in US) to enable you to look at this iphone insurance option with confidence on all pertinent levels. Ensquared is the #1 iphone comparison Site on the wireless Internet is always first in providing access to the best opportunities in phone insurance on every brand including Blackberry insurance and Nokia insurance options. Find the most appropriate Square Trade iPhone insurance product at the cheapest prices by visiting the Ensquared Site.

Dealing With The Insurance Adjuster After Water Damage

A water damage event his hit your home, and one of the first things you should do is to check your insurance policy or call your insurance agent and determine if your damage is covered. Even though you may be faced with plenty of damage and the beginning of mold, all homeowners policies dont automatically cover all types of water damage.

Once you understand what your policy covers, then you can quickly begin to remediate the damage to your property and begin to get the information to file a claim assuming you know what will be covered, according to the web site insure.com.

First and foremost, as some residents of New Orleans and the Mississippi Gulf Coast learned during Hurricane Katrina in 2005, a flood is not covered by homeowners insurance. Floods are only covered by flood insurance thats issued by the National Flood Insurance Program and cant be bought through nearly any insurance company.

Heres the kicker, though. Flood insurance policies have a ceiling not shared by homeowners insurance, and a separate level for contents that many people dont bother to adjust to their situations. So many homeowners in New Orleans wanted their homeowners insurance to handle the situation, because it provided more coverage.
Water damage from a leaking room is covered by most homeowners insurance, though the damage to the roof is not. Thats because of the generally accepted principle that anything related to maintenance falls to the homeowners. Roofs need to be properly maintained so the roof damage is not allowed.

Likewise, water from an appliance overflowing or pipes freezing and bursting, are both covered. Again, insurance companies general cover water damage if it was a sudden, catastrophic event, and not, as insure.com explains, a gradual wear and tear over time that proper maintenance could have avoided.

And two final areas of water damage: Seepages from the ground into the basement and sewer backup. Neither of these are covered by homeowners insurance. Seepage clearly is a gradual event that can be diagnosed and corrected before any significant damage results. Sewer backup is something that many insurance policies around the country specifically exclude.

So, now you know whether your own water event is covered by homeowners, flood insurance or has to be repaired out of pocket. And you are ready to take the next step – which is to document the damage and get an adjuster to your house as soon as possible to begin the process of submitting an insurance claim.

Professional Athletes With Tax Debt Problems

Darryl Strawberry
Dodgers star, Darryl Strawberry first got in to trouble with the IRS in 1994 when he was put under investigation for tax fraud. The IRS tacked him with tax evasion, and he had to pay back $350,000 in back taxes, serve 3 years of probation, six years of home confinement, and complete 100 hours of community service.

2. Lawrence Taylor
Former Giants linebacker, Lawrence Taylor filed an incorrect federal income tax return back in 1990. Taylor pleaded guilty to the tax charges in 1997, and was punished with three months house arrest, five years probation and 500 hours of community service for income tax evasion.

3. Pete Rose
Baseball favorite, Pete Rose, also got in to some trouble with the government in 1990, when he filed a false income tax return. Despite his celebrity status, Rose was sentenced to five months in a correctional facility, three months in a community treatment center, 1,000 hours of community service and a $50,000 fine.

4. Helio Castroneves
The recent controversy around Indy 500 racer Helio Castroneves and his supposed $5 million tax debt has shed light on the tax problems sports stars can get in to. He is currently being tried for evading taxes on a licensing deal that he claims to never have received a dime from. Only time will tell whether the Indy 500 and dancing with the stars celebrity actually committed the tax crime.

5. Willie McCovey
Hall of Famer Willie McCovey, like many other athletes who ran in to tax trouble, did so by forgetting to claim cash made during autograph signing. While McCovey pleaded guilty to the crime, he also claimed to have committed it unknowingly, since he had a professional handle his accounting. He was sentenced to two years of probation and fined $5,000.

6. O.J. Simpson
Although infamous for more than his athletic abilities, O.J. Simpson upset the IRS enough to be put on the California tax shame list. His tax debt was over $1.5 million, and he stayed on the list for more than a year.

7. Jesse Owens
The late 1930s Olympic winner Jesse Owens got himself into trouble with the IRS. After the Olympics, Owens tried multiple business ventures in the United States to profit off his newly found fame. However, one of his ventures lost Owens a fortune and rendered him unable to pay his full tax liability. As a result, Owens was forced to declare bankruptcy.

8. Boris Becker
Famed tennis player and bad boy, Boris Becker, ran right in to tax trouble when it was discovered his apartment was not his priority residence, as previously claimed. As a result, he was given two years probation, fined $500,000, and ordered to pay expensive court fees.