Category: General Articles

When it comes to methods of self-insuring a business, captives rank highly because their existence as a separate entity minimizes a lot of potential administrative woes, and it also clearly delineates the liabilities incurred by operating an insurance company from the ones you encounter in your day-to-day business operation. That’s important, because even insurance companies need insurance, and your new captive business will have to have the resources to protect itself. If that seems like it’s going to create a lot of extra work, remember that one of the reasons businesses love to create captive insurers is because you can outsource the management of them to companies that specialize in it, making it even easier to operate a captive.

Investment Costs

The biggest barrier to setting up a captive company is the same hurdle that often poses a problem for other methods of self-insurance, namely the up-front cost of keeping …

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A common complaint of society is that people don’t read as much as they used to. This is no surprise given our busy schedules and the abundant distractions competing for our free time. However, besides providing entertainment, regular reading has health benefits for both sides of the brain.

Reading as Continuing Education

The most obvious way reading can stimulate the brain is by letting us learn about any subject under the sun. There are books, magazines and articles available to satisfy every special interest, whether it’s a tome on Roman history or an implant dentistry journal. Virtually all this information is accessible at your convenience and for cheaper than the cost of a college course on the subject.

For visual learners, who make up a majority of the population, physically reading the material is the best way for the brain to study and retain information. While the brain …

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If your due date is approaching, it is important that you and your partner come up with a birth plan based on your needs. Here are some great options for where and how to give birth that are different than the traditional hospital birth.

Home Birth

Home births are a great option for low risk pregnancies, as well as for mothers who want to complete this life changing event in the comfort of their own home. Familiar surroundings can drastically reduce anxiety. Home births can also save money and the stress of transport to and from the hospital. However, if you want to do a home birth, it is vital to have a contingency plan in case there is an emergency that requires medical intervention. 

Birth Center

Sometimes it is better for your situation to have access to a midwife at a birth center or other place that is specifically …

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The dentist pokes and prods around your mouth while you do your best to sit still and pretend like it doesn’t bother you. Have you ever wondered what they’re looking for in there? No matter what type of dentistry you are being evaluated for (to learn about different types click here) you will have to allow someone poke at your teeth and gums. In a basic dental exam, they will follow a basic procedure.

Cleaning

Before the dentist comes into the room, a hygienist will clean your teeth and check for potential cavities or gum disease. This is the part in the exam where he or she will floss your teeth and use a pumice, an abrasive substance that is usually mint-flavored in a dentist’s office, to buff the plaque and tartar from your teeth. This process helps them to better evaluate the spots on your teeth that …

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No matter what age you are, it’s never too early to start preparing for retirement. Getting ready to retire involves a lot of financial planning, but there are other aspects too. You may need to think about where you want to live, what hobbies you want to pursue, and how you plan to manage your health care. A good retirement plan should encompass many aspects to ensure your transition to post-career life is as easy as possible.

Life Insurance

You may want to research life insurance Newark DE as an investment that can ensure your family members are taken care of when you pass away. There are several different kinds of policies, and some have more requirements and associated expenses than others. If you get life insurance through your employer, you may want to look into supplemental policies that can still provide coverage after you retire.

Estate Planning

Creating a …

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