Add Style and Flair To Your Wallet With a Custom Bank Card

Custom payment cards are an ideal way to personalize your purse or wallet just a little bit more! These credit cards and debit cards allow you to add a little flair and style as you spend your hard-earned money. The benefits of a custom bank cards are endless and they are so affordable that there is no reason not to request one from your bank today.

In most situations, custom credit and debit cards cost little or no more than those traditional, borrowing credit and debit cards. All you have to do is submit a digital or hard copy of a personal photo of your family, pet, favorite vacation spot or something else to your bank when you order your custom bank card. The bank will then load or scan the photo into the payment card machine and your image will quickly become an easy way to spend and manage your money.

Some banks offer a "selection" of images to put on your credit or debit cards but that is a sorry excuse for a true custom bank card . Banks that use these personalized card vendors are able to provide an expansive choice of stock images and even logos and school mascots for you to use in addition to the option to use your own image.

If funky flair is not your style, still choose one of these personalized cards as a way to protect your identity and safety. Simply choose a headshot of yourself to load onto the top corner of your payment card as a way for retail locations to verify that no one else uses your card. Safer than a signature, submitting the photo yourself ensures that you can select a flattering, accurate picture while protecting your identity all at the same time.

A custom bank card is the solutions to many banking problems from identity safety to boring, traditional cards. Inquire at your bank today and make your credit or debit card the most popular item in your purse or wallet.



Source by Olivia Benson

Top Reasons to Love PC Games

Most of the kids love to play PC games. Not only the kids even some of the adults love them too. It should be noted that the games that are liked by these entertainment loving players are not always an easy option to play. Most of them are quite difficult. But as I mentioned earlier that we are all lovers of the games so do we master its tricks soon with focused playing. Now, coming to the devices that are used to play games we can say that there are mainly two types of gaming. One is the gaming consoles and the other one is the PC games.

While consoles are new and can be easily carried everywhere but the game lovers claim that the PC games offer better gaming experiences. Reasons that attract gamers to play games on the PC are described underneath.

Availability of Different Types of Games

In the PC, one can get to play a number of games. This is because PC has several features which provide the necessary environment for installing and playing the games. Most of the games are free to download, but, if you are using the consoles then you have to pay for each and every games you install in them or want to upgrade. So, you can install any games from the adventures games to the games that kids like to play.

Better Gaming Experience

With PC, you get the opportunity to play with the gaming keyboards, joysticks, etc. The consoles never offer such choices. It has limited keys and overuse of them can cause them to damage. They also do not offer immersive sound quality like the PC does. And when someone else is around then they can use headsets to enjoy the sounds. You can also challenge you peers over the net and call them to compete with you over PC. The consoles have limited number of games that offers these facilities.

Longer Life of the Devices

Consoles last for a maximum of 3 years. It might be less but not more while a personal computer lasts for several years. You actually do not have to get them upgraded frequently because newer versions if at all comes need not be installed necessarily.

So, you can see that everything about the PC games is good and easy. Undoubtedly, for the same reasons, PC games have become the easy choice of the numerous players around the world.



Source by Aman Tumukur Khanna

What Type of Travel Insurance Is Best for Canadians?

Among the first questions the majority Canadians ask when buying travel insurance packages is “What type of travel insurance do I need?

It’s a good query, as there are a number of travel insurance types in existence, and selecting among the them all can seem a bit tricky to start with.

Listed in this article, we describe the primary types of plans in Canada, and what types of insurance are best for Canadians.

Single Trip

A single trip policy is suitable for your requirements if you’re intending to travel once inside of a given year. This variety of plan is the most widespread type of plan. Single trip policies only cover individuals for an individual journey away from home.

Multi Trip

If you travel repeatedly each year, it may be worthwhile to buy a multi-trip travel insurance policy. A multi-trip coverage offers insurance for numerous trips in a year. Multi-trip plans often have limits around the time period of trips you are able to make. 15 day or one month trip limits are common, however, some firms let you take as many as sixty days on every trip.

If you want multi-trip coverage, look into the plan perks that are offered by credit card issuers. One of the charge cards you have in your purse could quite possibly maybe even offer protection!

Coverage may include the cardholder’s husband or wife and little ones and can be a great strategy to reduce travel insurance plan costs. Make sure you study the insurance policy and coverage cautiously, so you know exactly what you’re actually getting.

All Inclusive

An all inclusive plan may well be effective for you if you want to have complete coverage. All inclusive insurance policies usually cover emergency medical protection, trip cancellation and trip interruption, baggage insurance plans and health evacuation insurance. Numerous all inclusive insurance policies offer high limits for emergency medical coverage.

The key downside of most inclusive policies is money. You’ll often pay greater than double the total cost of a single trip plan for all inclusive travel insurance plan. If you happen to be paying attention to how much you want to spend, contemplate getting a simple single trip plan, and choosing a supplementary trip cancellation plan. This can help you save a ton of money.

Tip! Make a brief telephone call to your house insurance company to check out if they offer some baggage or personal belongings insurance plan.

Trip Cancellation and Interruption

Trip cancellation and interruption insurance is effective if you’re concerned about the expense to you personally in case your trip is cancelled or rescheduled. These kinds of packages are especially a good choice for trips that are high priced.

Trip cancellation and interruption insurance plans are also a decent option if you are travelling with multiple people, or if you happen to be travelling along with children. Would you want to take your infant on a long voyage if they’ve only developed a serious stomach virus? It happens all the time.Trip cancellation and interruption insurance will let you cancel your trip for pre-specified reasons like illness of yourself or a travelling companion, or work loss.

Always get in touch with your insurance provider to obtain their permission prior to cancelling a holiday. It’s very normal to believe a reason for cancelling is covered under an insurance policy, only to discover out that in fact there’s an exclusion within the plan. You can buy cancel for any reason travel insurance plans, which will let you cancel a holiday for various reasons. These policies generally are somewhat higher priced, but nonetheless they do give you peace of mind.

Top Up Insurance for Canadians

Top up travel insurance is an effective option in the event you already have insurance, but don’t have coverage for the entire time period that in fact you’re away. This type of travel insurance plan is definitely worthwhile in case you have work or charge card insurance which can only cover you for the beginning part of your trip.

Using your primary insurance plans for your 1st part of your journey, and acquiring a top up plan for the rest, might be greatly less costly than investing in a brand-new policy for the entire time period.

Baggage

Baggage insurance protects you and your loved ones in case your luggage is lost, stolen, or rescheduled. The benefit you can get from baggage insurance ranges from about $500 to $2000 per consumer, relying on your plan.

Your home insurance coverage quite often gives you some protection for your assets while you are traveling, but they in all likelihood will likely not cover baggage delays.

Medical Evacuation

Emergency medical evacuation insurance is especially necessary if you’re going on a cruise or if you happen to be paying a visit to a remote location. If you fall ill aboard a cruise, an emergency medical evacuation by way of a helicopter can easily cost $150,000.

Emergency health evacuation insurance can pay for transportation to the closest medical facility or alternatively back to your point of departure. Having said that, all insurance policies call for pre-approval by way of qualified medical expert. While medical evacuation is covered in many medical travel insurance policies, you can buy separate medical evacuation insurance cover plan.

Be mindful if you’re considering obtaining insurance plans coming from the cruise company. Many cruise companies do not include medical evacuation insurance cover plan inside their travel insurance policies.

Pre-Existing Conditions

If you have a pre-existing health condition (including diabetes or alternatively heart issues), a policy that allows for coverage when it comes to pre-existing conditions is a must have. A pre-existing condition is a health problem you might already had when trip started, even if you didn’t have the problem at the time you obtained your insurance.

Insurance policies who will allow for pre-existing medical conditions are typically more costly, nonetheless, at the very least, you’ll be covered in the event you have a medical disaster associated with your pre-existing condition. Any condition that in fact appears from the time you acquire your insurance plan to the time period you begin your vacation can be considered to be a pre-existing condition, even if you didn’t know about it at the time you purchased your insurance plan.

Being pregnant will often be viewed as a pre-existing condition by many travel insurers.

Accidental Death and Dismemberment

Accidental death and dismemberment is a worthwhile type of travel insurance, and is generally speaking (though not guaranteed to be) covered in emergency medical travel insurance policies. This type of travel insurance will take care of you for injuries you get while riding as a fare-paying passenger on an airplane, helicopter or common carrier (a bus, boat, or even train). There’s also a death benefit that is paid out (generally between 10,000 to 25,000) if you pass away on your voyage.

In keeping with its less than lovely title, an accidental death and dismemberment policy can pay you a set amount if you lose an arm or leg (or other part of your body) while on vacation.

Bottom Line

Whatever type of travel insurance you decide on, read your policy attentively before you leave.



Source by Lanie Kay

Insurance Coverage for Infertility Treatments

For many infertile couples in the United States, the cost of infertility treatment is prohibitive. While many foreign countries, especially those with declining birthrates, subsidize in vitro fertilization (IVF), the United States government has not yet recognized infertility as a disability that warrants greater scrutiny. Luckily for some, however, legislature in 15 states mandates insurers to offer coverage for certain procedures, making infertility treatments more affordable for thousands of families.

Per the American Society for Reproductive Medicine, the following states require insurers to provide coverage for infertility treatment, albeit subject to restrictions:

  • Arkansas: Providers cover IVF, but the lifetime coverage may be limited to $15,000. Restrictions apply (e.g., sperm and eggs must not be donated, the couple must have tried to achieve pregnancy for at least two years, etc.).
  • California: Providers are not required to cover IVF, but diagnosis of infertility may be covered, as well as gamete intrafallopian transfer (GIFT).
  • Connecticut: Both individual and group plans cover medically necessitated diagnosis and treatment of infertility. Restrictions are imposed on patient’s age (must be older than 40), on the maximum number of treatment cycles (four for ovulation induction, three for intrauterine insemination [IUI], and two for IVF, GIFT, zygote intrafallopian transfer [ZIFT], or low tubal embryo transfer), and on the number of embryos transferred (no more than two per cycle).
  • Hawaii: Plans offer a one-time coverage of IVF outpatient expenses. Eggs and sperm must not be donated. The couple must have tried to become pregnant for at least five years. Other restrictions also apply.
  • Illinois: Group plans of at least 25 participants offer coverage for various infertility treatment procedures, but more expensive ones are covered only after less expensive procedures have been attempted unsuccessfully. No more than four egg retrievals can be covered by insurance.
  • Louisiana: Providers cannot deny coverage for the diagnosis and treatment of correctable medical conditions solely because they result in infertility. Coverage excludes infertility medication, IVF, and other assisted reproduction procedures.
  • Maryland: Group plans of at least 50 participants offer coverage for various infertility treatment procedures, but more expensive ones are covered only after less expensive procedures have been attempted unsuccessfully. In addition, providers may impose a lifetime maximum benefit of $100,000 and three IVF cycles per live birth.
  • Massachusetts: Insurance providers cover medically necessary tests and procedures for infertility diagnosis and treatment, including IUI, IVF, GIFT, and ZIFT.
  • Montana: Only health maintenance organizations (HMOs) are required to provide coverage for infertility services as part of basic preventive healthcare services. The extent of this coverage is not defined.
  • New Jersey: Coverage is provided for IUI, IVF, GIFT, ZIFT, and other infertility treatments if less expensive options have been attempted unsuccessfully. The coverage extends to no more than four egg retrievals.
  • New York: Providers cannot deny coverage for the diagnosis and treatment of correctable medical conditions solely because they result in infertility. Coverage excludes infertility medication, IVF, GIFT, ZIFT, and other procedures.
  • Ohio: Only HMOs are required to provide coverage for infertility services as part of basic preventive healthcare services but only when the procedure is medically necessary. The extent of this coverage is not defined.
  • Rhode Island: Insurance providers cover the diagnosis and treatment of infertility if the procedure is deemed medically necessary.
  • Texas: Some insurance plans cover IVF if no other methods have worked and the couple are using their own eggs and sperm.
  • West Virginia: Only HMOs are required to provide coverage for infertility services as part of basic preventive healthcare services but only when the procedure is medically necessary. The extent of this coverage is not defined.

Note that even if insurance providers are not required to cover infertility treatment, some of them still do. For example, my state legislature does not obligate insurers to provide coverage for IVF or other assisted reproduction procedures, but my insurance plan offers a lifetime coverage of $25,000 nevertheless, after certain conditions are met (e.g., more than a year of failing to achieve pregnancy for those who are over 35, three unsuccessful IUIs before an IVF is attempted, etc.).

Although most health insurance providers do not cover infertility treatments if they are not required to do so, keep in mind that parts of these treatments (e.g., ultrasound imaging and blood tests) can be considered routine tests and thus at least partially covered by the insurer. The same is true for generic medication (e.g., clomiphene citrate). Still, the unfortunate reality is that many couples in the United States find themselves required to pay in full for their infertility treatments, and they have to be able to pay the entire amount up front.



Source by K. Lowery

How to Purchase a Used Automobile: Tips From the Auto Insurance Guys

These days, purchasing a new car requires a lot of money. For those looking for another option due to the financial output, shopping for a used car may be a good bet. Of course, a previously owned car, no matter how sleek and shiny may have hidden disadvantages.

Below find tips from some finely-tuned insurance professionals on how to go about the task of shopping for a used car.

8 Ways to Get a Good Deal on a Previously-Owned Car

• Decide How Much You Can Spend on the Purchase
Prior to shopping around for a good used car, do a personal financial tally. Then focus only on buys you can afford – whether via financing or full payment method.

• Choose the Right Kind of Vehicle
Unmarried people without kids do not need a big car. On the other side of the coin, married individuals with children in tow could use a larger car. Recreational drivers, long-distance drivers and city or highway drivers have different needs as well. Assess your individual requirements, then shop for the car that matches them.

• Check Out Prices and Repair Frequency
Look online to determine what you should be paying for car makes and models according to year and usage. This search will also let you know what type of vehicles requires less maintenance work and what type has less mechanical headaches.

• Learn about the Car's Past
Research a particular car's history by putting in the Vehicle Information Numbers. This will get you to a full report about past collisions, owners and even recorded maintenance and repair jobs.

• Test the Car out by Taking it for a Spin
Drive your prospective car purchase over a calculated route that includes hills, bumps, curves and highway maneuvering. This way, you'll get an idea how the overall driving ability is.

• Get a Professional Mechanic's Opinion
Enlist your favorite mechanic in the decision by hiring him or her to inspect the car for surface problems that a layman like you may not be able to detect.

• Use Your Price-Negotiating Skills
Utilize the knowledge you have gained from all your research on the car to negotiate a price that fairly reflects its true value.

And Last But Surely Not Least

• Do not Forget About Auto Insurance
Before completing the buying process, speak to an experienced independent insurance agent about insurance for the vehicle. After binding the policy, sign the contract, pay, and you are good to go. No worries about the possibility of no coverage on the road to home!

Now that you have a new (used) automobile take care of it with good maintenance practices and remember to keep driving safety a priority.

Happy driving!



Source by M Wyzanski