Posts Tagged ‘Parenting’
Saturday, December 3rd, 2011
I am not a fan of flying. I was, until recently, scared of heights. I don’t know anything about the dynamics of flying other than it seems a bit unconventional for a human but not birds. I do, in fact, love those that have mastered the skill of navigating the wind.
My father died 6 weeks after I was born and I never knew him. But, when I was growing up my mom, who was my idol, always told me, “Take care of the people around you. Be attentive to what their needs are. That is what you father did with me and, since he isn’t here, I think he would want me to share that with you”. When I was growing up I didn’t realize how that would come in to play in my real estate career.
I had a former client that had been referred to me by a mutual friend that was also my former client. This new potential client had a family and two young children (boy and a girl) and he was a bit down on his luck. I went to his house and met with him to discuss listing his house. He proceeded to tell me how his family had hit hard times and he vowed to his wife and two kids, especially the oldest one (a young girl), that they would be okay. It was a typical meeting that didn’t strike me as being too far off the beaten path of any other listing meeting.
Afterwards, he invited me to stay for a cook out. I obliged and hung out with them for a few hours. I watched as the house filled up with families and children from all over the neighborhood. Me, being a single guy and not being accustomed to being around kids, I was nearly at my whits end but, I stuck around to be respectful. And, boy was I glad that I did.
His oldest (about 9 at the time, a girl) came up to me during the the party and said, ‘ Dad said you are going to save us.’ I didn’t know what to say so I said what any single guy with no kids that was terrified would say, ‘Hey, what’s your name.’ She said, ‘My name is Taylor, and I wanna fly. Watch this’. She spread her arms out and pretended like she was flying in to the pool and dove in. We all laughed hysterically. She was a character.
Later, out of curiosity I asked her why she wanted to fly so much. She told me that her grandfather had been a pilot and that he had flown planes from the ‘cotchpits’ before. I told her that we would see what we could do about ‘getting her up in the air some day’.
While this family didn’t want to leave their home and move away it turned out to be the circumstance that benefited them the most. The home sold, they moved in to another home and got on with their lives. After the close of escrow I scheduled a little surprise for them.
They all arrived, unsuspecting. We got in my car and drove about 5 miles to Temecula, CA. As we rolled up to the launch site the kids went crazy. We, along with the guide, launched in to the atmosphere and had so much fun. The smile on that little girls face was priceless. When we landed and were about to leave the little girl came up to me and said, ‘Thank you. You are my hero.” My mom would have been proud.
This gift cost me less than $500 for all 5 of us. When you close your next deal. Think of something unusual. Think of something that will make a lasting impression. Go beyond the call of duty.
They say it takes all kinds to make the world, but I can’t help thinking what a much better world it would be if there were more people like my mom, my client and his family.
Looking to find more unique gifts to give or ecofriendly stationary, then visit www.gettingstartedasarealestateagent.com to see how to outsource real estate tasks efficiently.
Tags: crafts, finance, happiness, holidays, innovation, insurance, leasing, loans, mortgage, motivation, Parenting, property insurance, real estate, success, travel and leisure
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Monday, October 10th, 2011
Difference between whole or universal life insurance and term life insurance policy both of them provide death benefit on the death of the insured, yet there is. Let us examine that
The whole or universal life insurance policies are valid till the life of the insured. Term life realizes that nobody needs lifelong insurance coverage and so it is sold for a fixed term only however.
The premium you pay in a term life does not buy you anything other than death benefit; but in a permanent life insurance policy, a part of the premium is diverted to a separate account to develop the cash value.
The term life cannot offer you any investment opportunity, but since the whole amount is utilized to develop the face amount, you can have a large death benefit at a low rate consequently. But the death benefit they offer is comparatively much less contrarily, the permanent life insurance policies provide financial benefits in your lifetime only.
The right kind of policy becomes easier if we have a clear idea about such differences while choosing. About the working of each policy is also important being aware. A life insurance policy is bought rather blindly it is sad that in these days of consumer awareness. People generally buy whatever their agent or broker recommends and they recommend what suits them most indeed. You are often laden with least suitable policy consequently.
In selecting the right kind of life insurance policy you should put a little more effort if you actually care for your family. About different life insurance policies; read them many online articles provide detailed information. If you care to study them carefully quotes too can provide quite a lot of information. Process of policy purchase always starts with receiving quotes of course. That is the easiest way to do that as always receive life insurance quote on line.
Along with choosing the right kind of policy, choosing the right insurer is important too. The carrier is financially healthy and its claim payment record is impeccable too is that need to make sure. Through credit rating companies you can check all these. Your family will have to run from pillar to post to get what is their due do not neglect it or if you die premature. You too must do your part well apart. In non-payment or at least delayed payment of claims negligence on your part may also result.
Now, let us go back to where we started. The right kind of policy is essential to choose. Who do not have any kind of financial discipline they say that the whole or universal life is suitable for only those. If you only put in the difference in their rates in suitable investment fund, you will get a much better return you see, a term life is far cheaper than these permanent policies.
While a term life is still in force, your beneficiary will get both the death benefit and the investment amount what is more, should you indeed die. The insurers will pay only the death benefit in case of whole or universal life policy. With death or endowment, the insurance companies always keep cash value built up using your money indeed. If insurance is your main aim, go online to receive cheap term life insurance quotes and start the process of purchase that is why.
However, how cheap the term life insurance quotes will be, partially depends on you too. If you are already on the wrong side of fifty, you can never get the coverage at cheap rate. To receive cheap term life insurance quotes you have to be young and healthy with the right body mass index. Moreover, you must not use tobacco in any form; your and your family’s medical history should also be all right; most of all, you must apply for a traditional term life insurance policy. No medical term life insurance may be convenient, but it is also rather expensive.
You must realize the policy prices depend mainly on the insurability of the person and the insurability depends on lot of factors such as your age, gender, tobacco use, whether or not you are suffering from certain diseases as well as hereditary factors. Although the insurers can have a partial picture about your insurability through medical banks and other agency reports, without the medical exam, they cannot come to any definite conclusion. That is why such partially underwritten policies are rather expensive. Yes, they provide instant coverage and there is not much hassle involved in the policy purchase. However, if rates are an issue, you must avoid them at any cost.
Article by Sam Kiesel of BedFramesOnline, who is a specialist in beddings. For more information on contemporary bedroom furniture and loft bed frame, visit his site today.
Tags: beddings, bedroom, building, Children, family, furnishing, home, home insurance, interior decoration, interior decorations, interior designing, kids, mattress, Parenting
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Monday, October 10th, 2011
Even in this age of consumer awareness, people are buying life insurance policies without wanting to know what kind of policy it is or if the policy is actually suitable for their need it is a sad truth. To meet different situations actually, different policies had to be evolved. Originally, all policies were term life policies. With their workings although they provided adequate death benefit, people were not entirely satisfied. To satisfy market demand, cash value policies such as whole and universal life insurance policies were conceived later on. These policies are quite popular; but the question is, are they equally good as insurance vehicle?
To evolve actually, the whole life insurance policies were first. From term life on two counts these policies are different. They are valid for the life of the insured while a term life is sold for 1/5/10/15/20/25/30 years only firstly. They use a part of their premium to develop cash value within the policy and so they can be cashed out after stipulated years secondly. If you do not die within the valid term, you do not get any return at all a term life does not provide any such opportunity.
Universal life insurance policies were next conceived however, these whole life policies too have some shortcomings and so in response to market demand. It is up to you to see which suits you most all these policies have fair share of pros and cons. Start searching for term life insurance quotes; such a policy will provide a big death benefit at a very low rate if insurance is you main aim. These policies will not help you in building up your asset directly in a way a universal life does, but if you want, you can build up bigger asset just by investing the difference in the rates in suitable funds however.
From investments indeed, financial experts today recommend separation of insurance. You will find that premium payments above the cost of insurance are always credited to a separate cash value account within the policy if you peep into the working of most whole or universal life insurance policies. It grows almost in the way a mutual fund does the cash value is credited each month with interest. You can cash out this amount and use it in the way you think fit if you feel you no longer need the coverage. You can leave the policy as it is until your death otherwise.
Now, let us see what happens if you die, while the policy is still in force. Under such circumstances, the carriers will retain this cash value amount as part of their profit and will release only the face value of the policy as death benefit. In other words, your beneficiary will be deprived of your investment and will get only the death benefit.
If you buy a term life for insurance purpose and invest separately in banks, mutual funds or in equity market to build up your capital let us next see what happens. In such a case, your beneficiaries will have both your benefit and your investment to start their life afresh. Look online for cheap term life insurance quotes only and invest separately for capital building purpose that is why experts will always advise you to buy term life and indeed, if you want to secure the future of your family as completely as you can.
Receiving cheap term life insurance quotes will not translate into cheap rates if you are not careful about filling up the quote form however. After verification of the inputs you provide in a quote form the actual price is provided only. Therefore, you may receive instant term life insurance quotes if you try online, but if you want realistic quote you must do some homework first.
BMI is important so take fresh measurement of your height and weigh.
Unless you are for life insurance no exam, give correct input about your tobacco use. Blood test will give you way.
Health class is a complicated aspect; use online guides to determine yours
Age and gender are two other important factors; but you must be sure of them. Instead we will talk about coverage amount, coverage term and premium payment mode. They too have great impact on the policy price. You can use online need calculator to calculate the coverage amount and life-expectancy calculator to calculate your lifespan. However, a better way is to look at your individual need and then decide. Life insurance after all is a very personal affair and so it is always better to depend upon personal requirements.
Article by Sam Kiesel of BedFramesOnline, who is a specialist in beddings. For more information on modern bedroom furniture and kids bunk beds, visit his site today.
Tags: bedding, beddings, bedroom, Children, family, furnishing, furniture, home, home insurance, interior decoration, interior decorations, interior designing, mattress, Parenting
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Sunday, October 9th, 2011
Of all the different types of policies, the universal life insurance seems to be the most favorite among today’s policyholders. It is a much later innovation, conceived to meet a modern need. However, it does not mean that the earlier policies have all become redundant. No, even term life, the original life insurance policy, has quite a big following even today and so have the whole life policies. Nonetheless, people seem to prefer universal life because it combines the low cost protection of the term life with the saving elements of a whole life to provide a perfect solution to modern insurance need.
I am sure you are aware that the term life is the original type of insurance policy. Indeed, life insurance may have actually started in the form of burial clubs and artisans’ guilds in the Middle Ages, but the term insurance that we know of today is a much refined version. It is a pure life insurance policy valid a temporary period only. You can buy one for a period of 1/5/10/15/20/25/30 years. Since these policies do not accrue any cash value, you can have a large coverage at a very reasonable rate.
However, on the con side, unless you die within the valid period, the term insurance policies offer no return. The whole life policies were next conceived as its antidote. They had saving element incorporated in them. However, such policies were little too expensive and premium payment mode was little too rigid. The universal policies came next. It became instant hit because it offered more flexibility when it comes to cost and coverage.
If you want to take advantage of the market without loosing the security of the life policy, there can be nothing better than a universal life indeed. Following are some of its salient points.
It is a permanent policy valid for the life of the insured and so whenever the insured dies, his beneficiary is sure to get the benefit.
To a cash value account these policies are slightly overpriced and amount paid above the cost of insurance is credited.
Interest too is credited to the account. It may either be determined by the insurer or pegged to financial indexes such as stock, bond etc.
Thus keeping policy in force in spite of occasional lapses if you fail to pay the premium, the amount will be debited from this account.
Which allows the cash value to be directed to a number of separate accounts that operate like a mutual fund today we also have variable universal insurance. But if the market goes down, they offer greater risk too however, since these policies are equity based, they can offer higher return.
However, it is not for me to tell you what type of policy to buy. Receive different categories of life insurance quote on line and then decide. All said and done, I cannot stop myself from adding that, for life insurance purpose, you will do well if you buy only a term life insurance. It is true that a term life does not offer cash value, but its rates are so low that only a financial fool will expect it from the policy. Instead, the financial advisers say that one should buy a low cost term life for insurance purpose and then invest the difference in separate fund.
However, not every type of term insurance is cheap. The term life insurance no medical exam policy for example is so expensive that the concept of investing the difference cannot be applicable here; in fact, the price structure of such a policy does not leave any difference to invest. Sometimes they are as expensive as a universal life policy is. Yet, such policies are no less popular because they too have some unique advantages.
No medical policies provide instant coverage. By the policy from tomorrow and that too for the full amount you apply today and if you qualify, your family will start being covered. Every other type of death in included under this policy of course, just as every other case, suicide within first two years is always excluder from its purview; otherwise. The carriers can never work out the exact cost of insurance and so they charge more actually, without the medical test. Remember, they are here to do business, not for charity.
Article by Sam Kiesel of BedFramesOnline, who is a specialist in beddings. For more information on modern bedroom furniture and storage bed, visit his site today.
Tags: bedding, beddings, bedroom, building, Children, family, furnishing, furniture, home, home insurance, interior decoration, interior designing, kids, mattress, Parenting
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Saturday, October 8th, 2011
It has been repeatedly said that a life insurance policy should always be affordably priced. You must remember that to get any benefit out of it, a policy needs to remain in force when the insured event finally takes place. However, if the rates are too high and you fail to pay the premiums on time, the policy is going to lapse. However, that does not mean that buying just any cheap life insurance policy is sufficient; the coverage too has to be adequate for your need.
At a very reasonable rate fortunately, some life insurance policies such as term life provide large coverage. Here too you have certain conditions to fulfil, but before we go any further, let me first remind you of two important features about term life however.
The term in the term life is all very important. If the insured dies within that term the policy is sold for a limited term only and the death benefit is payable only.
A term life policy is a pure life insurance policy; i.e. it does not accrue any cash value. Consequently, no return can be claimed if the insured out lives the term.
For making the term life so very cheap actually, both these factors are responsible. The policy generally lapses without making any payout since very few people actually die premature. You can receive a large coverage in spite of paying at a very low rate moreover, because the entire amount you pay as premium is utilized for developing the face value. A part of the premium is usually diverted to create the cash value and so their rates are by necessity much higher in other cases. Just receive life insurance quotes for different policies and compare; you will know the truth if you are not yet convinced.
To buy a policy just because you have received quotes for it remember that these quotes are always supplied free of charge and so you do need. Quotes are actually estimated price provided for your convenience in fact. In the quote form they are based solely on the information you provide. After the thorough verification of the facts the actual price is provided much later. The rates may vary greatly from it that is why unless the inputs you provide in a quote form is accurate.
By studying the life insurance quotes nonetheless, you can have an idea about the price structure of certain policy. What I want to say is that certain life insurance policies can be made even cheaper if you can fulfil certain conditions however. You will find that there are scope for more you see, term life policies are cheap, but if you study the term life insurance quotes.
First, look at the quote form and study the different fields. If you do that, you will find that the policy prices depend mainly upon your age, gender, body mass index, tobacco use and health class. Gender too is important because it has been found that women outlive the men and so they are provided the coverage at cheaper rate. However, one cannot change one’s gender, but what you can actually do is to: Buy the policy early in life Lead a healthy life Exercise regularly Stop taking tobacco Determine the coverage term and coverage amount correctly.
Which decides the life insurance rate for you actually, it is the insurer’s perception about your longevity. You will get the coverage at cheap rates if the insurer believes that you are going to outlive the term. They generally make you undergo a medical test that is why to be sure of your exact health condition. There are no medical life insurance policies too; such policies exempt you from taking it, but you have to pay at a higher rate to compensate the additional risk the carriers are taking in providing the coverage without the medical test however.
At face value it is not that the no medical policies take whatever information you provide. Through different agency reports such as Medical Information Bank |and Motor Vehicle Reports they do run you. Without physical check up or blood and urine test they cannot be sure if you have ailments such as high cholesterol, diabetes, hepatitis, kidney disorders, immune disorders and HIV however. The carriers face greater risk in providing the coverage and hence the higher rates as all these ailments can affect your lifespan drastically. If you want cheap life insurance policies, such polices are not for you.
Article by Sam Kiesel of BedFramesOnline, who is a specialist in beddings. For more information on contemporary bedroom furniture and solid wood bed frame, visit his site today.
Tags: bedding, beddings, bedroom, Children, family, furnishing, furniture, home, home insurance, interior decoration, interior decorations, interior designing, mattress, Parenting
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Monday, August 8th, 2011
To many guys, the mere thought of health insurance brings about feelings of compulsory basics of life. As such, many may treat it like schooling. We all know too necessary in life but while its there it feels like a bother. As such, it is not a shocker that not everyone has health insurance.
You will come across many valid reasons why people don’t have health insurance. The most obvious one is to do with its costs. As so, many insurance companies are not bothered much about excluded people.
Some people are self employed and common sense dictates that they are not under company policies. Still they have all reason to benefit from individual or family packages. By default, we always assume that the covers are all expensive but you can get very affordable options.
The affordable ones can cover those needed essentials like medical care. Yet another way which premiums can be cut down is through coinsurance policy.
As normality, the companies involved will normally pay out your 80% if you carry a coinsurance policy. Afterwards, you would be the one to find tricks of paying out that 20% balance that remains. That anyway is nothing considering the headache is sorted.
It is Ohio which would have some of the rock bottom rates for health insurance. Pre-existing conditions are the ones which make covers hard to get.
Most health insurance providers will shy away from people who are known to carry pre-existing conditions. For example, someone who has cancer or one who has had cardiac arrest before will have a tough time getting a cover. The problem is worse as age increases. As so, it is understandable why many aging people are stranded.
If someone has no health insurance, the best thing to do is to contact a broker and they can assess your situation, giving you clear cut options which you would find suitable according to your financial ability.
Get more articles created by this same author dealing with products such as no health insurance and health care issues.
Tags: advice, business, family, finance, health, home, home insurance, insurance, internet, investment, legal, loans, medicine, Parenting, reviews
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Wednesday, August 3rd, 2011
It is said that between the income level of a family to be eligible to avail of Medicaid and their actual ability to pay for a private health insurance is there is a huge gap. Thankfully, there is a Children’s Health Insurance Program to look out for children in those gaps.
What’s even more problematic is that this gap is getting bigger by the minute. That is why the Federal Government and the State is joining forces to create the Children’s health Insurance Program.
Also know as CHIP, the Children’s Health Insurance Program is expected to help out the Medicaid to cater to children’s health and medical needs.
The Medicaid is already a government program that should address these needs and gaps, but unfortunately it can’t.
Not only that, every child has the right for a healthy start to life. Fortunately, the Government is really going through an immense effort to come with a solution to this growing problem. Their answer is different health programs, including the Children’s Health Insurance Program.
What’s good about the Children Insurance Program is that is has a really wide coverage and is more than enough to cover all the medical needs of the child, not only in hospitalization, but in preventive medical needs as well like routine check-ups, dental examinations and cleaning, and immunizations.
Now, the Children’s Health insurance Program differs from State to State. As already mentioned, this insurance program is the joint forces of the Federal and the States.
Again, the Children’s Health Insurance Program is there to provide medical care for children who can’t afford it. What really sets this program apart from other programs is that it focuses more on preventive medicine. In this way a child doesn’t have to get sick to enjoy his or her health insurance benefits.
Read more of this writer’s writing regarding topics such as children’s health insurance and home health care agencies.
Tags: advice, business, Children, family, finance, health, home, home insurance, insurance, investment, kids, loans, Parenting, reviews, teens
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Wednesday, August 3rd, 2011
Security through insurance is indeed a need for every human living. Health insurances that secure them from medical billings and services. The benefits being laid out by these insurances definitely live up to the standards of the quality of life.
People’s choices are very particular to any company offering different benefits. That is why the building of insurance companies is spreading in search for benefactors but at the same time, that could benefit their company too. These companies stalled a variety of options to choose from, that includes the benefits for an individual.
Nowadays, many people are joining or get a membership for a health insurance because of the high benefits that it can give. The low cost health of insurance is introduced for the goals to make the people in United States to be insured peoples.
Thinking of saving and at the same time investing something that benefits you and your family, low cost health insurance is on hand. This provides medical benefits to children and even pregnant women and doesn’t hold a budget that is hard to handle.
A low cost option that never treats you as an option provides medical expenses and even became a choice for employers for their workers. A helpful way to start saving up without tightening your grip for health, that’s how low cost insurance works.
When you are wanting and searching for a great health insurance you must put on mind and check it out if it matches your requirements.
An advice for searching the right insurance for you is an edge. This will give you a head start on what should be done and the pros and cons of your investment and settle on what is best for you. This will grow unto you and you’ll be more challenged to entail more details about the health insurance policy you’ll be in.
The trending technology could offer help in your seeking adventure for the right low cost insurance. With a click in the World Wide Web, aside from the yellow pages where you can contact agents, you can easily acquire what you need straight from the renowned insurance companies.
Aside from family health, this author also frequently pens articles about low cost health insurance and california medical insurance.
Tags: advice, business, family, finance, health, home, home insurance, insurance, internet, investment, legal, loans, medicine, Parenting, reviews
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Monday, August 1st, 2011
In the USA, if you hear about a National Health Insurance company, just know that it is a company that has the express permission to do its business within any state in USA other than New York. The insurer credits Texas as its origins.
NHIC as a company was founded during the year 1923 and first under the name William Harvey. It was a life insurance company. At the turn of 1966, the firm had already started dealing in health insurance products.
NHIC therefore proved that it can support its steady growth. In 1975, it diversified its products and started offering insurance plans of catastrophic events nature. As such, small businessmen and the self employed found it practical especially being highly deductible.
This same focus by the company has enabled it to continue growing in territory and influence. It started to issue full blown services in 1978 where it finally got the status of “legal reserve Company”.
People who hold the NHIC policies can in turn approach the providers of the health services if they have any complications. They will get coverage if those problems are covered by the policy.
It only gets tricky when some of the providers opt out of the NHIC network. As such, before you finalize any treatment with them, you should enquire if your selected center is still covered by the network. That way, you don’t end up using facilities which parted ways with NHIC. If they are no longer under participation, you should not bother making claims to the NHIC if you got treatment from them.
One thing you should have in caution is that there are varying levels of service and experience as per the hospital you go to. Therefore, one should always be careful as you cannot go to a quark and then turn around and blame NHIC.
The NHIC generally has a policy that suits everyone in terms of what medical requirements they have. Therefore, it is only you who is supposed to look out for the physician who will offer the quality services to avoid your disappointment.
See more of this author’s tips about subjects like best health plans and health savings plan.
Tags: advice, business, family, finance, health, home, home insurance, insurance, internet, investment, legal, medicine, networks, Parenting, reviews
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Wednesday, July 27th, 2011
When you look at the various health insurance plans it is quite likely that you will get confused and think that all of them are quite cheap. But then to choose the right one that suits you needs you will need to have a general understanding of how the insurance works.
First of all you will need to understand how the health insurance scheme works and how it is managed at the company’s end. This gives you the insight to be able to understand the policy on hand better. You will then be able to understand the cost elements of the premium and appreciate the various charges better.
Never go in for a policy which shows low premiums but requires you to effect co-payment for the services availed under the health insurance policy. Ensure that all the charges that are going to be incurred are covered completely under the said policy.
You can get individual health insurance cover as well as a family insurance health plan as well as group insurance. All of them have their own advantages and you might find some additional advantages and benefits in the group insurance policy which may not be available in individual plans.
While having to choose the best insurance plan, first point of consideration is the terms of the plans. Next you can look at the premium rates charged to find out which is the cheapest. Lastly check out the standing and reputation of the insurance company as well as services offered along with the number of years they have been in operation.
In addition to the terms and the premium of the policy the other major point that you would need to check out is with reference to the network of hospitals and clinics covered under the policy. You should ensure that some of the good reputed hospitals and doctors clinics nearby your place of residence is covered under the policy.
It also makes sense for you to check out the reputation of the insurance company with reference to their disbursal of the claims with the common individuals. You can also check out the customer satisfaction survey reports published and get to know how good the quality of service is.
You get to see the report card of the insurance company which shows the quality of service provided along with the feedback from the customers as well.
See additional pieces of work written by this writer dealing with subject matters like affordable individual health insurance and buying health insurance.
Tags: advice, business, family, finance, health, home, home insurance, insurance, internet, investment, legal, medicine, Parenting, research, reviews
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