How do you pull out a bad tooth at home?

Q. My boyfriend has very bad teeth in the front and they are hurting him very badly. He wants to pull them out at home (no insurance) and can't figure out how. The thing is the gums are good and the tooth is firmly in place and the tooth is not loose. HELP!!!!!!

A. the thing about pulling teeth at home is that dentists use a specialized set of tools to break the ligaments around the tooth, connecting it to the gum, also they have special forceps that forcefully rock the tooth back and forth until it comes out of place. the root of the tooth is quite long and i would not recommend taking it out at home... i doubt that you even could. many female dentists have a very hard time pulling teeth because it takes a great deal of strength.

i think you should wait until tomorrow and search very hard for a charity dentist. tell them that you're homeless and unemployed, whatever it takes. they will pull the tooth. and be sure u tell them its an emergency

he also needs anesthetic. if he thinks hes in pain now, wait till you start yankin it around in there hard enough to break the ligaments.

Original Question

What is the most affordable small home or cottage insurance company?

Q. I own a home that is 300 sq feet. It's basically a little cottage/studio house. I am looking for a company that will 1) insure a home that small and 2) is affordable. Does anyone have experience with a company they would like to recommend?

A. The secret to finding cheap home insurance is to do your research and obtain as many quotes as possible. You should start by comparing anywhere from three to five quotes. But if you can find 10 or more companies that offer home insurance coverage, you are really going to be in a good position. The bottom line is simple: the more home insurance companies that are vying for your business the better chance you have of getting the best price.

Moving on, you need to be fully aware of the power of the internet. What does this mean? Simply put, if you want to learn a lot about home insurance and have the chance to obtain plenty of quotes, the internet is where you need to start your search. You can easily find information on home insurance and the companies that sell this coverage via the internet.

As you can see, the secret to finding cheap home insurance is to obtain as many quotes as possible via the internet. When you do this, you will find that you have an affordable policy in place well before the time that you need it.

I found a site on CNN that helps you get quotes according to all your requirements. Its an excellent tool. Try it out
http://www.2insure4less.com/?s=234255&g=SubID&rdto=ho

Original Question

In jacksonville florida, I was considering to buy a wolf hybrid, but do they bring up the home insurance price

Q. I am aware that if they are over 75% they are illegal here in Florida, and I've asked and searched the internet many times on insurance, and I still haven't found any answers. So I'd like to have an idea or at least know if they have any effect on home isurance before I purchase it.

A. First of all, why would you purchase a wolf dog? What are your reasons? I know you may get on the defence here and not wan tot disclose that info, but ask YOURSELF this very question. If you don't know what to ask yourself, have a read: http://www.wolfhaven.org/think_again.php

Wolf dogs are not illegal in Florida, no matter what the content. You require a Class II Wildlife Permit to harbour any wolf dog that is over 75% (see below). [This law should be revised, as percentages are completely inaccurate to determine content of wolf].

State Regulations for Florida for wolf dogs are as follows:
"Pure wolves and hybrids which are 25% or less domestic dog require a $100 permit per year unless exempted as a researcher." Provisions include owner "demonstrates no less than one year of substantial practical experience (to consist of no less than 100 hours) plus successfully complete a written examination on the care, feeding, handling and husbandry of the species for which the permit is sought, or other species, within the same biological family ... which are substantially similar in size, characteristics, care and nutritional requirements to the species for which the permit is sought," is able to provide a proper diet, health care and exercise, caging meets minimum specifications and that the neighborhood setting is appropriate." There are yard, containment, housing and care requirements. Those animals that are 75% or more wolf must be permitted as Class II wildlife."

As far as home insurance is concerned, your best bet is to call around. All insurance companies are different.

You should also contact your local ASPCA or Animal Control to ask about liability insurance if you plan on keeping a wolf dog. There are some states that require million dollar liability insurance (completely separate from home insurance) and $500 licensing fee p/yr (separate from a permit) if you have a dog that has any (known) wolf content in it.

Original Question

My wedding rings disappeard out of my home 10 yrs. ago has it been too long to claim them on my insurance?

Q. My wedding rings disappeared out of my home 10 yrs ago. Every time we have done a home project or replaced carpeting we have been careful to search for them. Do you think it has been too long to claim them on my home owners insurance? I would really love to get them replaced.

A. Yep, too long.

Not only that, but "oops I lost them" isn't covered under the standard homeowners policy.

Original Question

Powered by Yahoo! Answers

Is there a chart somewhere on the net that compares the timing of auto insurance companies settling on claims?

Q. I am trying to find out if Farmers auto insurance settles quicker than Nationwide insurance and vice versa. I have Farmers auto and home insurance now and considering a move to Nationwide.

A. Hard question to answer. There are simply too many "what-ifs" in each claim. Just because a company took along time to close a claim doesn't necessarily mean it was the company stalling or holding out payment. Each state has fair claim laws that dictate what is a reasonable amount of time to communicate a decision on a claim.

It seems that speed of settlement is important to you so I won't try to change your mind. I, as an agent however, have seen too many people fall for a company because of just one thing. It could be strictly a lower price, some "discount" or simply savy marketing.

My recommendation is to find a company that can deliver more of a total package for you. I would start with the agent. Many time just having a thorough, competent and professional agent can speed up the claims process, among other things. This agent should be one that is close to you or your work if at all possible (it just makes your life easier). You can get quotes from a few agents and then compare how the rates apply to your situation.

Again if speed of claims is important to you then by all means continue your search for the fastest. But you should consider that if you are a good risk, how many claims are you turning in and how frequent? If you turn in a lot of claims (1 or more per year for a few years in a row) you will end up paying so much in premium it won't matter how "fast" any company is at paying you.

Original Question

How much to pay my daughter to take care of her grandfather?

Q. My father-in-law recently fell ill and has been transported to a nursing home. Insurance will cover 100 days in the nursing home. We would like to bring him home but he needs someone to be there with him constantly, as he is unable to do much for himself. We were thinking of paying my 23 year old daughter to do this as she had a baby 8 months ago and is between jobs. Although she has not had any medical training, she is extrememly bright and I know she could handle this, plus, she loves her grandfather very much. What would be a "fair" price to pay her? We live in Ohio.

A. Although I agree with the PP sentiment, I also understand your desire to kill 2 birds with one stone so to speak. I am sure your daughter would willingly do this for free if needed but since she is in need of a job and is close with her grandfather this may well be the best for both of them. I worked with the elderly briefly last year and Fair pay for a Private caregiver is about 15$ an hour although a company would only pay her about 9 of that. I would suggest you search for a free NA (Nurse's Aid) class near you they usually only last 1-2 weeks. They are almost always free and offered my churches or nursing homes. This will help your daughter to be able to provide your father-in-lw with better than average care. Her being there for him will help a lot but she also needs to know about exercises and nutrition as well. Plus basic ROM and some other things to help her give him a better life. If you can't find a class near you a local library will have book on caring for the elderly and I cannot stress how important it is that she either take the classes or read these book and learn CPR before taking on the full time care of your father. Although love is wonderful it is not enough and the elderly are not like us or babies they have very specific needs.

Original Question

Where can i find insurance to cover my eye glasses in case of loss/breakage?

Q. I just bought a nice pair of glasses and I am concerned i might lose them or accidentally break them. I searched online for an insurance company that covers it but there doesn't seem to be any. I know home owners insurance sometimes covers it, but it would such as a hassle and not worth it to go through claims if they do. It would be much easier having a dedicated insurance company. Any ideas?

A. Try your optician. I just got new eyeglasses and they came with a breakage guarantee included in the price.

Original Question

How can I obtain a job for a health care insurance company and work from home?

Q. Recently I have noticed that there are many people that work from home as insurance company representatives and specially when they work for the authorization department. I know I need to do some research but I am wondering if any one knows of a way to do this, that could give me more information. I am currently pregnant, I would love to have a job that I could work from home. Please help if you have good substantial information. Thank you.

A. What are your skills? If you have any, look for someone that might need them, (google/yahoo search engines are free for you to use)
If you have none, try learning some.
Anything that earns you money from working in an office will earn you money online.

Original Question

Powered by Yahoo! Answers

How do I find out exact dates/details of my insurance claims made in the last 5 years (used difft. insurers)?

Q. I'm searching for home insurance renewal and am being asked this info. but don't have exact dates/figures. I know if I guesstimate the insurers will probably penalise me IF I ever make a claim. Thanks.

A. just ask the place you are getting a new quote or policy from to run your clue report and they'll find it for you. on a homeowners policy if you cannot remember the claims you made I am assuming you made quite a few...not good! they are asking this to see if they even have a company that will insure you. its not the same as an auto policy where you are "penalized" for every claim. most companies don't want to insure someone on a home that has made more than 3 claims over 3-5 yrs though.

Original Question

How do you pull out a bad tooth at home?

Q. My boyfriend has very bad teeth in the front and they are hurting him very badly. He wants to pull them out at home (no insurance) and can't figure out how. The thing is the gums are good and the tooth is firmly in place and the tooth is not loose. HELP!!!!!!

A. the thing about pulling teeth at home is that dentists use a specialized set of tools to break the ligaments around the tooth, connecting it to the gum, also they have special forceps that forcefully rock the tooth back and forth until it comes out of place. the root of the tooth is quite long and i would not recommend taking it out at home... i doubt that you even could. many female dentists have a very hard time pulling teeth because it takes a great deal of strength.

i think you should wait until tomorrow and search very hard for a charity dentist. tell them that you're homeless and unemployed, whatever it takes. they will pull the tooth. and be sure u tell them its an emergency

he also needs anesthetic. if he thinks hes in pain now, wait till you start yankin it around in there hard enough to break the ligaments.

Original Question

What is the most affordable small home or cottage insurance company?

Q. I own a home that is 300 sq feet. It's basically a little cottage/studio house. I am looking for a company that will 1) insure a home that small and 2) is affordable. Does anyone have experience with a company they would like to recommend?

A. The secret to finding cheap home insurance is to do your research and obtain as many quotes as possible. You should start by comparing anywhere from three to five quotes. But if you can find 10 or more companies that offer home insurance coverage, you are really going to be in a good position. The bottom line is simple: the more home insurance companies that are vying for your business the better chance you have of getting the best price.

Moving on, you need to be fully aware of the power of the internet. What does this mean? Simply put, if you want to learn a lot about home insurance and have the chance to obtain plenty of quotes, the internet is where you need to start your search. You can easily find information on home insurance and the companies that sell this coverage via the internet.

As you can see, the secret to finding cheap home insurance is to obtain as many quotes as possible via the internet. When you do this, you will find that you have an affordable policy in place well before the time that you need it.

I found a site on CNN that helps you get quotes according to all your requirements. Its an excellent tool. Try it out
http://www.2insure4less.com/?s=234255&g=SubID&rdto=ho

Original Question

In jacksonville florida, I was considering to buy a wolf hybrid, but do they bring up the home insurance price

Q. I am aware that if they are over 75% they are illegal here in Florida, and I've asked and searched the internet many times on insurance, and I still haven't found any answers. So I'd like to have an idea or at least know if they have any effect on home isurance before I purchase it.

A. First of all, why would you purchase a wolf dog? What are your reasons? I know you may get on the defence here and not wan tot disclose that info, but ask YOURSELF this very question. If you don't know what to ask yourself, have a read: http://www.wolfhaven.org/think_again.php

Wolf dogs are not illegal in Florida, no matter what the content. You require a Class II Wildlife Permit to harbour any wolf dog that is over 75% (see below). [This law should be revised, as percentages are completely inaccurate to determine content of wolf].

State Regulations for Florida for wolf dogs are as follows:
"Pure wolves and hybrids which are 25% or less domestic dog require a $100 permit per year unless exempted as a researcher." Provisions include owner "demonstrates no less than one year of substantial practical experience (to consist of no less than 100 hours) plus successfully complete a written examination on the care, feeding, handling and husbandry of the species for which the permit is sought, or other species, within the same biological family ... which are substantially similar in size, characteristics, care and nutritional requirements to the species for which the permit is sought," is able to provide a proper diet, health care and exercise, caging meets minimum specifications and that the neighborhood setting is appropriate." There are yard, containment, housing and care requirements. Those animals that are 75% or more wolf must be permitted as Class II wildlife."

As far as home insurance is concerned, your best bet is to call around. All insurance companies are different.

You should also contact your local ASPCA or Animal Control to ask about liability insurance if you plan on keeping a wolf dog. There are some states that require million dollar liability insurance (completely separate from home insurance) and $500 licensing fee p/yr (separate from a permit) if you have a dog that has any (known) wolf content in it.

Original Question

Powered by Yahoo! Answers

How do I find out exact dates/details of my insurance claims made in the last 5 years (used difft. insurers)?

Q. I'm searching for home insurance renewal and am being asked this info. but don't have exact dates/figures. I know if I guesstimate the insurers will probably penalise me IF I ever make a claim. Thanks.

A. just ask the place you are getting a new quote or policy from to run your clue report and they'll find it for you. on a homeowners policy if you cannot remember the claims you made I am assuming you made quite a few...not good! they are asking this to see if they even have a company that will insure you. its not the same as an auto policy where you are "penalized" for every claim. most companies don't want to insure someone on a home that has made more than 3 claims over 3-5 yrs though.

Original Question

How do you pull out a bad tooth at home?

Q. My boyfriend has very bad teeth in the front and they are hurting him very badly. He wants to pull them out at home (no insurance) and can't figure out how. The thing is the gums are good and the tooth is firmly in place and the tooth is not loose. HELP!!!!!!

A. the thing about pulling teeth at home is that dentists use a specialized set of tools to break the ligaments around the tooth, connecting it to the gum, also they have special forceps that forcefully rock the tooth back and forth until it comes out of place. the root of the tooth is quite long and i would not recommend taking it out at home... i doubt that you even could. many female dentists have a very hard time pulling teeth because it takes a great deal of strength.

i think you should wait until tomorrow and search very hard for a charity dentist. tell them that you're homeless and unemployed, whatever it takes. they will pull the tooth. and be sure u tell them its an emergency

he also needs anesthetic. if he thinks hes in pain now, wait till you start yankin it around in there hard enough to break the ligaments.

Original Question

What is the most affordable small home or cottage insurance company?

Q. I own a home that is 300 sq feet. It's basically a little cottage/studio house. I am looking for a company that will 1) insure a home that small and 2) is affordable. Does anyone have experience with a company they would like to recommend?

A. The secret to finding cheap home insurance is to do your research and obtain as many quotes as possible. You should start by comparing anywhere from three to five quotes. But if you can find 10 or more companies that offer home insurance coverage, you are really going to be in a good position. The bottom line is simple: the more home insurance companies that are vying for your business the better chance you have of getting the best price.

Moving on, you need to be fully aware of the power of the internet. What does this mean? Simply put, if you want to learn a lot about home insurance and have the chance to obtain plenty of quotes, the internet is where you need to start your search. You can easily find information on home insurance and the companies that sell this coverage via the internet.

As you can see, the secret to finding cheap home insurance is to obtain as many quotes as possible via the internet. When you do this, you will find that you have an affordable policy in place well before the time that you need it.

I found a site on CNN that helps you get quotes according to all your requirements. Its an excellent tool. Try it out
http://www.2insure4less.com/?s=234255&g=SubID&rdto=ho

Original Question

In jacksonville florida, I was considering to buy a wolf hybrid, but do they bring up the home insurance price

Q. I am aware that if they are over 75% they are illegal here in Florida, and I've asked and searched the internet many times on insurance, and I still haven't found any answers. So I'd like to have an idea or at least know if they have any effect on home isurance before I purchase it.

A. First of all, why would you purchase a wolf dog? What are your reasons? I know you may get on the defence here and not wan tot disclose that info, but ask YOURSELF this very question. If you don't know what to ask yourself, have a read: http://www.wolfhaven.org/think_again.php

Wolf dogs are not illegal in Florida, no matter what the content. You require a Class II Wildlife Permit to harbour any wolf dog that is over 75% (see below). [This law should be revised, as percentages are completely inaccurate to determine content of wolf].

State Regulations for Florida for wolf dogs are as follows:
"Pure wolves and hybrids which are 25% or less domestic dog require a $100 permit per year unless exempted as a researcher." Provisions include owner "demonstrates no less than one year of substantial practical experience (to consist of no less than 100 hours) plus successfully complete a written examination on the care, feeding, handling and husbandry of the species for which the permit is sought, or other species, within the same biological family ... which are substantially similar in size, characteristics, care and nutritional requirements to the species for which the permit is sought," is able to provide a proper diet, health care and exercise, caging meets minimum specifications and that the neighborhood setting is appropriate." There are yard, containment, housing and care requirements. Those animals that are 75% or more wolf must be permitted as Class II wildlife."

As far as home insurance is concerned, your best bet is to call around. All insurance companies are different.

You should also contact your local ASPCA or Animal Control to ask about liability insurance if you plan on keeping a wolf dog. There are some states that require million dollar liability insurance (completely separate from home insurance) and $500 licensing fee p/yr (separate from a permit) if you have a dog that has any (known) wolf content in it.

Original Question

Powered by Yahoo! Answers

How is Erie auto and homeowners insurance?

Q. I am searching for different auto and home insurance. Erie insurance has given me a good quote. Are they a good insurance company?

A. I think they're great - but they are a REGIONAL carrier. When I lived in PA, I had them for house and car insurance. My PARENTS have them now, in OH, at my recommendation. But now that I live in TX, well, they don't write insurance in TX, so I'm out of luck. :D

Original Question

Is there a chart somewhere on the net that compares the timing of auto insurance companies settling on claims?

Q. I am trying to find out if Farmers auto insurance settles quicker than Nationwide insurance and vice versa. I have Farmers auto and home insurance now and considering a move to Nationwide.

A. Hard question to answer. There are simply too many "what-ifs" in each claim. Just because a company took along time to close a claim doesn't necessarily mean it was the company stalling or holding out payment. Each state has fair claim laws that dictate what is a reasonable amount of time to communicate a decision on a claim.

It seems that speed of settlement is important to you so I won't try to change your mind. I, as an agent however, have seen too many people fall for a company because of just one thing. It could be strictly a lower price, some "discount" or simply savy marketing.

My recommendation is to find a company that can deliver more of a total package for you. I would start with the agent. Many time just having a thorough, competent and professional agent can speed up the claims process, among other things. This agent should be one that is close to you or your work if at all possible (it just makes your life easier). You can get quotes from a few agents and then compare how the rates apply to your situation.

Again if speed of claims is important to you then by all means continue your search for the fastest. But you should consider that if you are a good risk, how many claims are you turning in and how frequent? If you turn in a lot of claims (1 or more per year for a few years in a row) you will end up paying so much in premium it won't matter how "fast" any company is at paying you.

Original Question

How much to pay my daughter to take care of her grandfather?

Q. My father-in-law recently fell ill and has been transported to a nursing home. Insurance will cover 100 days in the nursing home. We would like to bring him home but he needs someone to be there with him constantly, as he is unable to do much for himself. We were thinking of paying my 23 year old daughter to do this as she had a baby 8 months ago and is between jobs. Although she has not had any medical training, she is extrememly bright and I know she could handle this, plus, she loves her grandfather very much. What would be a "fair" price to pay her? We live in Ohio.

A. Although I agree with the PP sentiment, I also understand your desire to kill 2 birds with one stone so to speak. I am sure your daughter would willingly do this for free if needed but since she is in need of a job and is close with her grandfather this may well be the best for both of them. I worked with the elderly briefly last year and Fair pay for a Private caregiver is about 15$ an hour although a company would only pay her about 9 of that. I would suggest you search for a free NA (Nurse's Aid) class near you they usually only last 1-2 weeks. They are almost always free and offered my churches or nursing homes. This will help your daughter to be able to provide your father-in-lw with better than average care. Her being there for him will help a lot but she also needs to know about exercises and nutrition as well. Plus basic ROM and some other things to help her give him a better life. If you can't find a class near you a local library will have book on caring for the elderly and I cannot stress how important it is that she either take the classes or read these book and learn CPR before taking on the full time care of your father. Although love is wonderful it is not enough and the elderly are not like us or babies they have very specific needs.

Original Question

Where can i find insurance to cover my eye glasses in case of loss/breakage?

Q. I just bought a nice pair of glasses and I am concerned i might lose them or accidentally break them. I searched online for an insurance company that covers it but there doesn't seem to be any. I know home owners insurance sometimes covers it, but it would such as a hassle and not worth it to go through claims if they do. It would be much easier having a dedicated insurance company. Any ideas?

A. Try your optician. I just got new eyeglasses and they came with a breakage guarantee included in the price.

Original Question

Powered by Yahoo! Answers

Is there a chart somewhere on the net that compares the timing of auto insurance companies settling on claims?

Q. I am trying to find out if Farmers auto insurance settles quicker than Nationwide insurance and vice versa. I have Farmers auto and home insurance now and considering a move to Nationwide.

A. Hard question to answer. There are simply too many "what-ifs" in each claim. Just because a company took along time to close a claim doesn't necessarily mean it was the company stalling or holding out payment. Each state has fair claim laws that dictate what is a reasonable amount of time to communicate a decision on a claim.

It seems that speed of settlement is important to you so I won't try to change your mind. I, as an agent however, have seen too many people fall for a company because of just one thing. It could be strictly a lower price, some "discount" or simply savy marketing.

My recommendation is to find a company that can deliver more of a total package for you. I would start with the agent. Many time just having a thorough, competent and professional agent can speed up the claims process, among other things. This agent should be one that is close to you or your work if at all possible (it just makes your life easier). You can get quotes from a few agents and then compare how the rates apply to your situation.

Again if speed of claims is important to you then by all means continue your search for the fastest. But you should consider that if you are a good risk, how many claims are you turning in and how frequent? If you turn in a lot of claims (1 or more per year for a few years in a row) you will end up paying so much in premium it won't matter how "fast" any company is at paying you.

Original Question

How much to pay my daughter to take care of her grandfather?

Q. My father-in-law recently fell ill and has been transported to a nursing home. Insurance will cover 100 days in the nursing home. We would like to bring him home but he needs someone to be there with him constantly, as he is unable to do much for himself. We were thinking of paying my 23 year old daughter to do this as she had a baby 8 months ago and is between jobs. Although she has not had any medical training, she is extrememly bright and I know she could handle this, plus, she loves her grandfather very much. What would be a "fair" price to pay her? We live in Ohio.

A. Although I agree with the PP sentiment, I also understand your desire to kill 2 birds with one stone so to speak. I am sure your daughter would willingly do this for free if needed but since she is in need of a job and is close with her grandfather this may well be the best for both of them. I worked with the elderly briefly last year and Fair pay for a Private caregiver is about 15$ an hour although a company would only pay her about 9 of that. I would suggest you search for a free NA (Nurse's Aid) class near you they usually only last 1-2 weeks. They are almost always free and offered my churches or nursing homes. This will help your daughter to be able to provide your father-in-lw with better than average care. Her being there for him will help a lot but she also needs to know about exercises and nutrition as well. Plus basic ROM and some other things to help her give him a better life. If you can't find a class near you a local library will have book on caring for the elderly and I cannot stress how important it is that she either take the classes or read these book and learn CPR before taking on the full time care of your father. Although love is wonderful it is not enough and the elderly are not like us or babies they have very specific needs.

Original Question

Where can i find insurance to cover my eye glasses in case of loss/breakage?

Q. I just bought a nice pair of glasses and I am concerned i might lose them or accidentally break them. I searched online for an insurance company that covers it but there doesn't seem to be any. I know home owners insurance sometimes covers it, but it would such as a hassle and not worth it to go through claims if they do. It would be much easier having a dedicated insurance company. Any ideas?

A. Try your optician. I just got new eyeglasses and they came with a breakage guarantee included in the price.

Original Question

How can I obtain a job for a health care insurance company and work from home?

Q. Recently I have noticed that there are many people that work from home as insurance company representatives and specially when they work for the authorization department. I know I need to do some research but I am wondering if any one knows of a way to do this, that could give me more information. I am currently pregnant, I would love to have a job that I could work from home. Please help if you have good substantial information. Thank you.

A. What are your skills? If you have any, look for someone that might need them, (google/yahoo search engines are free for you to use)
If you have none, try learning some.
Anything that earns you money from working in an office will earn you money online.

Original Question

Powered by Yahoo! Answers

How is Erie auto and homeowners insurance?

Q. I am searching for different auto and home insurance. Erie insurance has given me a good quote. Are they a good insurance company?

A. I think they're great - but they are a REGIONAL carrier. When I lived in PA, I had them for house and car insurance. My PARENTS have them now, in OH, at my recommendation. But now that I live in TX, well, they don't write insurance in TX, so I'm out of luck. :D

Original Question

Is there a chart somewhere on the net that compares the timing of auto insurance companies settling on claims?

Q. I am trying to find out if Farmers auto insurance settles quicker than Nationwide insurance and vice versa. I have Farmers auto and home insurance now and considering a move to Nationwide.

A. Hard question to answer. There are simply too many "what-ifs" in each claim. Just because a company took along time to close a claim doesn't necessarily mean it was the company stalling or holding out payment. Each state has fair claim laws that dictate what is a reasonable amount of time to communicate a decision on a claim.

It seems that speed of settlement is important to you so I won't try to change your mind. I, as an agent however, have seen too many people fall for a company because of just one thing. It could be strictly a lower price, some "discount" or simply savy marketing.

My recommendation is to find a company that can deliver more of a total package for you. I would start with the agent. Many time just having a thorough, competent and professional agent can speed up the claims process, among other things. This agent should be one that is close to you or your work if at all possible (it just makes your life easier). You can get quotes from a few agents and then compare how the rates apply to your situation.

Again if speed of claims is important to you then by all means continue your search for the fastest. But you should consider that if you are a good risk, how many claims are you turning in and how frequent? If you turn in a lot of claims (1 or more per year for a few years in a row) you will end up paying so much in premium it won't matter how "fast" any company is at paying you.

Original Question

How much to pay my daughter to take care of her grandfather?

Q. My father-in-law recently fell ill and has been transported to a nursing home. Insurance will cover 100 days in the nursing home. We would like to bring him home but he needs someone to be there with him constantly, as he is unable to do much for himself. We were thinking of paying my 23 year old daughter to do this as she had a baby 8 months ago and is between jobs. Although she has not had any medical training, she is extrememly bright and I know she could handle this, plus, she loves her grandfather very much. What would be a "fair" price to pay her? We live in Ohio.

A. Although I agree with the PP sentiment, I also understand your desire to kill 2 birds with one stone so to speak. I am sure your daughter would willingly do this for free if needed but since she is in need of a job and is close with her grandfather this may well be the best for both of them. I worked with the elderly briefly last year and Fair pay for a Private caregiver is about 15$ an hour although a company would only pay her about 9 of that. I would suggest you search for a free NA (Nurse's Aid) class near you they usually only last 1-2 weeks. They are almost always free and offered my churches or nursing homes. This will help your daughter to be able to provide your father-in-lw with better than average care. Her being there for him will help a lot but she also needs to know about exercises and nutrition as well. Plus basic ROM and some other things to help her give him a better life. If you can't find a class near you a local library will have book on caring for the elderly and I cannot stress how important it is that she either take the classes or read these book and learn CPR before taking on the full time care of your father. Although love is wonderful it is not enough and the elderly are not like us or babies they have very specific needs.

Original Question

Where can i find insurance to cover my eye glasses in case of loss/breakage?

Q. I just bought a nice pair of glasses and I am concerned i might lose them or accidentally break them. I searched online for an insurance company that covers it but there doesn't seem to be any. I know home owners insurance sometimes covers it, but it would such as a hassle and not worth it to go through claims if they do. It would be much easier having a dedicated insurance company. Any ideas?

A. Try your optician. I just got new eyeglasses and they came with a breakage guarantee included in the price.

Original Question

Powered by Yahoo! Answers