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A recent report released by the U.S. Government Accountability Office (GAO) paints a depressing financial picture for local and state government “employees, reties and poor people” in respect to health insurance.  According to a National Underwriter article about the report within the next fifteen years “GAO projections suggest that employee and retiree health coverage programs, Medicaid and other state health programs will start throwing state and local budgets out of balance.”  The GAO calculated the astonishingly large amount of local governments (87,525) and all fifty states to come up with the numbers for total taxes and fees and grants and loans “from the federal government.”  “The 50 state governments and 87,525 U.S. local governments collected a total of about $1.4 trillion in taxes and fees in 2006 and about $400 billion in grants, loans and loan guarantees from the federal government, GAO officials report.”

this is so true

The former California Insurance Commissioner Chuck Quackenbush (who is now a Lee County, Fla. deputy sheriff) shot a man this past Tuesday.  The following description of the incident is from an article in the Los Angeles Times:“Quackenbush was trying to handcuff Teodor Buda, 57, Tuesday afternoon when a scuffle ensued, said Tony Schall, spokesman for the Lee County Sheriff's Department. When Buda, who was suspected of battery and domestic violence, wrestled away Quackenbush's Taser and pointed it at him, Quackenbush shot Buda in the abdomen, Schall said.”I had no idea that Quackenbush was now a deputy sheriff, that’s quite a cut in pay.  I guess down in Lee County Florida being a previous insurance commissioner who resigned because of corruption accusations (that turned out to be correct) makes no mind to them. 

wonder what this really means

A recent article on Insurance News Net talked about a statewide Florida property insurance poll conducted by The Property Casualty Insurers Association of America (PCI) indicated that many Floridians are tired of the “quick fixes” and want more long-term solutions.  According to the poll “homeowners insurance reform remains a top priority for Floridians and voters want the Legislature to revisit the changes made to the property insurance system in 2007.”  The apparent “quick fixes” applied in the past are not up to par according to the poll.  The CEO and president of PCI commented during a meeting about the poll “Any realistic long-term solution needs to include the private market.  The state and federal government can and should pay important roles, but government cannot solve the problem on its own.”PCI has issued a list of recommendations to improve the property insurance climate in Florida, which in part include:“Fostering a more robust catastrophe bond market; providing guaranteed low interest loans to policyholders who opt to purchase high deductible policies; providing financial assistance to low income consumers; changes in the federal tax code to allow insurers to build catastrophe reserves on a tax free basis, and the creation of a well-structured public/private partnership between insurers and the state and federal government to provide liquidity in the event of catastrophic loss.”

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Do you have children? Have you ever considered purchasing child life insurance? In the world of increasingly sophisticated and diverse insurance and financial vehicles, the Gerber Life Insurance Company is offering an excellent child life insurance plan called the Grow-Up Plan®. With this plan, Gerber Life offers affordable, industry-leading child life insurance that will help provide families with a more secure financial future. The Grow-Up Plan is designed for children from 14 days old to 12 years old. It is a whole life policy with low premiums that builds cash value over time. Here are some of the main features of the Gerber child life plan: Low premiums with high coverageCoverage automatically doubles at age 21Cash value buildsAvailability of additional insurance guaranteed You can start a child with a $5,000 – $35,000 whole life policy, which will double when the child reaches age 21, though the premium payments will remain the same. Thus, the child is essentially getting twice the coverage for the same low cost. This is a significant benefit. Also, after 20 years of consistently paying the plan premiums, you will have build up a cash value that is equal to or greater than 100% of the premiums you have paid. If you’ve never thought of child life insurance, I suggest you strongly consider it. The Gerber Life child insurance Grow-Up Plan is one of the best available. Sponsored Review

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If you live in England and are looking for the best life or health insurance plans, coverage, and rates, one of the best resources to help you make your decision is OnlyInsurance.com. This site is a comparison website that allows you to compare insurance plans of about 87% of the insurance market. It helps you narrow down all the available choices in order for you to find the best plan for your needs. On OnlyInsurance.com, you can compare life insurance between some of the major life insurance providers, including Standard Life, Norwich Union, Abby Life, BUPA, Provident, Aegon, and more. It also offers free life insurance articles and FAQs, as well as access to live insurance advisors via telephone. The site’s comparison resources of health insurance is another one of its strong suits. You can evaluate health insurance from many providers and over 100 health plans, including Westfield Health, Standard Life, BUPA, BCWA, Patient Choice, and others. Again, you can access health insurance articles, FAQs, live insurance advisors, and also inquire about Dental Protection insurance plans.

oh i can’t beleive it

If you live in the United Kingdom and are looking to find information and resources on many topics related to money and finances such as insurance, credit cards, mortgages, and the like, an excellent new online resource is available: Money.co.uk. This new site is a financial portal that offers thousands of articles and high quality content in many different formats. It really is a one-stop financial shop. Money.co.uk is based in London, England, and is authorized and regulated by the Financial Services authority to provide information on insurance, mortgage, and financial products. As their site explains, “money.co.uk is a free, online comparison service allowing customers to compare a range of personal finance products and utility services. Our objective is to present information in a simple format, enabling initial comparisons to be made 'at a glance' so that customers can make informed financial decisions.” The resources Money.co.uk offers are comprehensive and very accessible. The site is easy to navigate, quick to load, and very user-friendly. In the insurance section, the site provides information and comparison on many types of insurance, including home insurance, health insurance, travel insurance, car insurance, and more. You can compare various insurance deals in all these segments, as well as get quotes. You can sign up to become a member of the site to gain access to a larger range of services and resources. An individual user profile will help you get personalized insurance quotes. It is free to sign up. A valuable element of Money.co.uk is that the site offers thousands of free articles on an exceptional variety of financial topics, along with all the latest insurance news. You can also get much of this content conveniently flowed to you on a consistent, real-time basis through the many available RSS feeds. Practically every major financial topic and sub-topic on Money.co.uk comes with an available free RSS feed. You can also sign up for the financial email newsletter.

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With a busy schedule of partying, experimenting, disobeying their parents, further experimenting, and (of course) receiving a 4.0 grade average, a student tends to forget perhaps the most important aspect of living—health. Taking into consideration the rising numbers of smoking, pregnancy, drug use, alcohol consumption, malnutrition and obesity among young adults, it seems appropriate now more than ever for a student to receive proper, quality health insurance. This demographic tends to live invincibly. Many believe themselves to be indestructible, as though nothing dangerous can happen to them, even while staring danger in the face. This vicarious attitude may add an intended flavor to their lives, but it's almost as if an overdose could lead to poison. Debauchery in Numbers So they wear the shortest skirts, drive the fastest cars, and eat the greasiest pizzas. What are the numbers saying about teens and young adults? SMOKING: A third of all smokers began smoking at age 14. Almost ninety percent of all smokers began smoking at age 21. PREGNANCY: In the United States, one in ten babies is born from a teen mother. Three-quarters of a million teens between 15 and 19 become pregnant each year. DRUGS: On an average day in 2006, 586,000 adolescents used marijuana, about 49,000 adolescents used inhalants, 27,000 used hallucinogens (e.g., Ecstasy and other club drugs), 13,000 used cocaine, and 3,800 used heroin. ALCOHOL: Among persons aged 18- to 22-years-old, 18 percent of full-time undergraduates were heavy drinkers compared with 12 percent of those who were not full-time undergraduates. MALNUTRITION: About one out of every one hundred young women between ten and twenty are starving themselves, sometimes to death. Four percent of college-aged women have bulimia. One percent of female adolescents have anorexia. Researchers at Harvard University Medical School have new data that suggests that up to 25 percent of adults with eating disorders are male. OBESITY: About 31 percent of American teenage girls and 28 percent of boys are somewhat overweight. An additional 15 percent of American teen girls and nearly 14 percent of teen boys are obese. In the United States, approximately three-fourths of all deaths among persons aged 10-24 years result from only four causes: motor-vehicle crashes, other unintentional injuries, homicide, and suicide. There are several options of low cost student health insurance available, and it is much better to be safe than to be sorry. Sponsored Review

maybe this will change things

The HM Plant Honda British Super Bike (BSB) team has achieved a victory with rider Josh Brookes at the Thruxton track.
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Honda motorcyclists in the UK are set to benefit from access to products from the world-renowned Montesa trials bike brand.
how doe this impact my state

The 1963 50cc TT winner and Suzuki rider Mitsuo Ito has been immortalised in copper and nickel for a new special edition 50p coin.
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