5 Advantages of Hiring Cash Escorts

Several companies cope with cash every day that does not have maximum limit. This will depend on the necessity of as soon as and accordingly the concerned people withdraw money from banks. Withdrawing an enormous amount of cash and commuting in one place to another could be dangerous since you will find miscreants around and therefore facing the brute from the money getting stolen. For those who have a company and require money to become withdrawn in the bank and introduced to the office or wherever needed, there’s an excuse for the best security to assist you.

Unless of course you’ve got a security service of your, you might take the aid of professional security services which make sure that your cash is withdrawn, transported and introduced for you securely. They’re trained to do this and therefore making certain clients their cash is in safe hands. Hiring them is not a hard task since many companies and organisations hire efficient security services that may provide effective cash escorts. When you hire them, listed here are the advantages that you’d receive.

• Hidden identity – When the professionals are specifically dressed with uniforms, you will find likelihood of being attacked by miscreants. Most cash escorts are plain dressed professionals that prevent being conscious and making certain concealment.

• Highly professional officials – To maintain the status from the security service they provide, the officials responsible to escort your money are highly professional. They are recognized to safeguard your money in the perfect way right from the moment it’s being withdrawn towards the time that it reaches its destination.

• Guaranteed vehicles – The vehicles utilized in transporting the money in one place to another is proven to be transported in vehicles which are fitted with today’s technology. Using Gps navigation tracking systems and cameras within the vehicle ensures that they’ll be tracked while travelling and therefore keeping a track around the safety from the money that’s being transported.

• Systematic approach – The gathering of money either out of your workplace or even the bank is created through valid documents where only authorised personnel on either finish will get or dispatch the money. It calls for the signing of documents from either ends and accordingly keeping an evidence from the safekeeping around the money.

• Unmarked vehicles – The vehicles employed for transporting round the cash is unmarked. There aren’t any traces on our bodies or even the structure from the vehicle where individuals on the highway can identify its purpose and just what the automobile contains. It appears as with every other vehicle to make sure its safety.
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Travel Insurance: Seguro Viagem Europa

Planning to be traveling soon? Should you buy travel insurance? It’s a tough call whether spending the extra money is worth it. Are you over 50? Travel insurance goes up significantly as you get older. If you’re spending a lot of money on a trip, travel insurance is a must.

Travel Insurance Coverage

Travel insurance covers these basics:

Trip Cancellation Or Interruption
Medical
Emergency Evacuation
Baggage
Flight Delays and Cancellations
Travel Insurance – What Does It Mean For You?

Trip Cancellation refers to canceling prior to your trip whereas trip interruption refers to a problem during your trip. What if you or one of your travel companions gets hurt or sick and you need to cancel your plans. This is where travel insurance comes to the rescue.

What if you have a medical emergency? Think you’re covered by your medical insurance? You might be. But most medical insurance policies don’t cover you outside of the United States. Medicare never covers you when traveling abroad. Find out if you’re covered when traveling to your next destination.

What happens if you do sick and need to be airlifted? Or you need medical care on your flight home. This can be very expensive.

Have you arrived at your destination just to find that you have no luggage? What if you’re ready to board a cruise? Now what? Travel insurance will pay for essential items until your luggage is found and delivered to you. What if it never shows up? Make sure to have a list of items that you packed for your trip. Better yet, keep as many receipts of these items as you can. If your luggage was stolen, make sure to file a police report. This will help in making an insurance claim.

Did you get to the airport just to find out your flight has been delayed? What if the delay causes you to miss your connecting flight? Travel Insurance will reimburse you for hotel stays and meals while waiting to get out on the next flight. But what if your flight leaves on time and you get held up in traffic and miss your flight? You probably won’t be covered.

Travel Insurance – Do I really need it?

Check with your homeowner’s policy. It may already cover such things as lost luggage. Be sure to check the maximum amount of coverage as it may be limited in the payout. Check your medical insurance and find out what is covered when you’re traveling away from home. Verify if you’re covered when traveling abroad. Finally, check your credit card coverage. Some credit cards will provide a limited amount of insurance if the trip was booked with their credit card. If you have an airline’s credit card, check with their coverage. They may have better coverage if you’re traveling with them. But credit cards may not cover you being airlifted back home. Both health insurance and credit cards don’t usually cover travel emergencies.

Once you decide you need travel insurance, read the fine print. Check to see if there are any time limits concerning the purchase of insurance prior to your trip. Find out if the entire length of your trip is covered. Make sure your destination is covered. If the government is warning you not to visit a particular country, you may not be covered if you go there.

What if you get sick? Make sure you list all medications you’re currently taking. Failure to do so could invalidate your policy. What if a family member back home gets sick and you want to cut your trip short. Most travel insurance policies don’t cover this unless it’s a death in the family. There is an option called “cancel for any reason”. If you have older relatives back home, you may want to consider this option for peace of mind. This would allow you to cut your trip short and return home for any reason. Even if you just changed your mind and decided not to go.
If you like this article and want to read more about this please visit this link: Seguro Viagem Europa

BREAKTHROUGH IN RENEWABLE HEMP BIOPLASTIC REPRESENTS ECO-FRIENDLY GAME CHANGER

BREAKTHROUGH IN RENEWABLE HEMP BIOPLASTIC REPRESENTS ECO-FRIENDLY GAME CHANGER

By Michael Murphy November 12, 2017

NEW HEMP-BASED BIO-PLASTICS LIKE THIS TRANSLUCENT VERSION NOW COMMERCIALLY AVAILABLE WORLDWIDE

Staff writer Michael Murphy recently met with Best Practices Packaging President, Kevin Tubbs, about their role in the recent commercialization of hemp bioplastic.  Best Practices is the catalyst behind a partnership of farmers, processors, chemical compounders, injection molders, film extruders and packaging converters, all committed to a better environment.  The sheer scale of their breakthrough makes hemp based bioplastic price competitive for the first time in American history. The implications are enormous.  The following is an excerpt from that interview:

______________________

Remember during olden times, (like last week) when people used to think plastic was made of fossil fuels?

Well, those days are apparently over, thanks to eco-packaging developer Kevin Tubbs, his business partner Mathew Eaton, and the forward-thinking partners of Best Practices Packaging (BPP).

(www.bestpracticespkg.com)

Committed to the cause, Tubbs and company have spent the last 12 years on a mission to save the planet, one eco-friendly package at a time.

The newest development rolling out of BPP carries with it, earth-changing implications. They want us all to imagine a world where fossil fuel-based plastics have been replaced with affordable biopolymers from plant materials like hemp, some even engineered to compost at the end of their lifecycle.

While I am in love with this idea, it may take some education of the market before bioplastic is fully embraced. Personally, when I envision plastic packaging, I still see an oceanic gyre of pop bottles the size of Kentucky in my mind.

As I broach the subject of pollution, it elicits more than one wince from Tubbs, who explains:

We hope that through offering sustainable, compostable, and renewable, hemp bio-plastic at this scale, at competitive prices, our breakthrough can change the way people view this entire industry”.

If initial demand is any indicator, manufacturers adopting ‘Best Practices’ may indeed give Exxon Mobil a reason to tremble. Packaging companies, car makers, and even his own competitors are contacting Kevin with hopes of using his new plastic to convert to greener options.

______________________________

We intend to take the environmental sting out of buying plastic goods by making the plastic…good

Kevin Tubbs, President Best Practices Packaging

_________________________

It’s apparent when you meet Tubbs, he doesn’t just talk the talk. We caught up with the former telecom executive turned ecological entrepreneur at his off-grid design center on the banks of the Little Susitna River, located in even tinier Fishhook, Alaska. While he’s not lacking in technology at the “Barn”, Kevin, his family and crew lead decidedly low carbon footprint lives, surrounded by truly unspoiled wilderness about an hour north of Anchorage.

For over a decade, BPP has been focused on bringing to market eco-friendly packaging solutions with one consistent theme: Respect for the planet.

(Example:  www.beerpouch.com)

WHY HEMP?

Industrialists have known for decades that hemp held remarkable properties.  In 1938, Popular Mechanics magazine touted Hemp as being the next “Billion Dollar Crop with over 25,000 uses and over 5,000 textile uses alone.  The seeds of the Hemp Plant are considered so nutritious they are called a superior super-food (Containing ALL 21 Amino Acids & Omega EFA’s in the optimal ratio for Human Health, just to name a couple!).

We had a few questions for Kevin, and his answers are in italics below.

SO HOW DID THIS BREAKTHROUGH COME ABOUT?

“Synergy; We are catalysts in this venture. One of our partners is arguably the largest producer of nutritional hemp products in North America.  Another is one of the largest flexible packaging companies in the USA, capable of co-packing slightly over a billion units a year. Together, we started co-packing a range of superfoods, hemp nutritional products such as high protein powder, hemp hearts, and hemp oil, as well as snacks like toasted hemp seeds.  In ramping up for the project, I came to understand that the residual product left from making all these nutritional items is an unusual form of biomass. While normally, it’s sold as cattle feed for its high protein value, with some testing I discovered that once through our unique treatment process, it also happens to be a superb feedstock for making a range of masterbatch bioplastics. Initially, my goal was simply to make enough hemp plastic so that we could wrap all of our nutritional products in ultra-green hemp containers. The response was such a wealth of wide open arms, that we started to grasp the gravity of our development.  Now, we see clearly the future implications of our unique bioplastic, as we commercialize the product and open it up to a world of additional users”

WHAT MAKES YOUR APPROACH UNIQUE?

“We are not only the producers of our product; we also are primary users of it as well.  This gives us a unique competitive advantage.   This vertical integration is also paired with new technology that has never previously been applied to this medium.”

WHAT KINDS OF PLASTIC ARE YOU PRODUCING? 

“It’s endless, we can produce virtually whatever the market demands. To start things off, we made a Hemp Polypropylene, followed by a hemp-based Poly Lactic Acid for 3D printing machines and myriad other uses. There appears to be nearly no limitation on the kinds of plastic we can make with hemp, adding characteristics like extra strength, flexibility and opacity. Anything you need, we can put into the manufacture of this product.  Our current capacity well exceeds 50 million lbs. of hemp bioplastics Per harvest and we expect to nearly double that next year.

WHAT DRIVES YOU TO DO THIS?

“I am forever thankful for being able to live here in Alaska, and work abroad.  It’s a pristine place where you can hike for hundreds of miles without seeing any trace of man. I think most people WANT to be eco-conscious but today, it’s not so easy.    We intend to take the environmental sting out of buying plastic goods by making the plastic… good”

Considering himself more innovator than inventor, Kevin recognizes he’s been walking in the footsteps of famed industrialist Henry Ford.

Tubbs explained to me that just like Ford and his crew, the Best Practices team is working on bioplastic because necessity is the mother of invention. The issue for Tubbs is ecology centered, ensuring that he makes his own contribution to protecting the environment.  Ford pioneered conversion from metal body panels’ to hemp plastic during wartime (metals were rationed at the time and desperately needed for our nations defense effort).

Known for handing a hammer to admirers of his hemp cars, and letting them take a whack to see if they could strike a quarter panel hard enough to hurt it.  Ford is quoted:  “My hemp body panels can’t be beat”

It turns out that ol’ Henry was right”, says Kevin. “Hemp is absolutely ideal for making a wide range of renewable, compostable bioplastics and can be engineered to offer nearly any attribute commonly found in a raw fossil-based polymer.”

WHY NOW?

“At BPP, we have both feet firmly planted in the convergence of new technology and recently lifted governmental restrictions on hemp” explains Kevin. He went further saying, “Without these simultaneous events, BPP would not be able to do this at a scale allowing competitive end pricing”

OTHERS FAILED, HOW’D YOU DO IT?

Unlike our predecessors, our packaging partners go through football fields worth of plastic each year.  It’s easier for us to occupy this segment because this in-house volume can capitalize R and D, shouldering the cost while we convert our clients from fossil-based plastic to these amazing renewables.  Certainly, we are leveraging space age technology and pairing it with some proven ideas from the past” says Kevin.

While small amounts of hemp plastic have been made in Asia and Europe where restrictions were jettisoned years ago, Tubbs’ proprietary method used here in North America is unique.  Furthermore, the sheer volume of his endeavor has brought the end-user cost down, low enough for even the biggest plastic buyers to take note. Best Practices is working with a group of the largest hemp producers in North America and unlike crude oil, the supply is price stable and never ending, which opens the door to fortune 500-sized users for the first time.

WHAT CHALLENGES DID YOU HAVE TO OVERCOME?

“Since the 1937 “Marihuana Prohibition Act” everyone’s barrier to entry has remained DuPont’s propaganda and the confusing of two plants, resulting in the misguided over-regulation that killed the hemp industry. As people came to their senses, and regulations started to relax, it was then the economic hurdle of small supply=high cost that stood in the way.  Thanks to our alliance with the progressive folks in the PENTA5 family, with their dynamic plastic packaging capabilities and the growing hemp resources of our North American hemp grower partners, the time is now to release ourselves from our lethal dependence on fossil fuels and embrace a whole new world of eco-friendly alternatives. Specifically, we are thankful to Charles Murray, President of PENTA5 who has been behind our efforts all the way. We certainly wouldn’t be here without the enthusiastic support of PENTA5 and partners. “

Kevin is no shrinking violet when it comes to getting his message out, he is yet to see an industry that can’t be improved by these ultra-green polymers. Samples of the new designs are landing on the boardroom tables of corporations worldwide, some with carbon footprints currently leaving deep heel marks all over the planet.

THE DIFFERENCE BETWEEN HEMP AND MARIJUANA

While the two plants have a similarly shaped leaf, for those who still confuse hemp with marijuana, the difference is stark.   First, hemp is not a viable source of THC, (the psychoactive ingredient found in pot). In fact, you could probably smoke an entire farm of hemp and never get high.  Unlike its hippy-cherished cousin’, hemp represents an extremely protein-rich, highly fibrous and nutritious superfood. To top it off, it is currently being tested as an effective medicinal substance that can have an effect on a growing list of maladies, everything from healing wounds to helpingpatients with Parkinson’s, and even epilepsy.

WHERE IS THIS ALL GOING?

“Now that quantities are available, I would like to see companies from LEGO to Lamborghini convert their fossil fuel materials to something far more earth friendly like sustainable, renewable, compostable hemp bioplastic.  It’s good for the products, the consumers and our planet”

WHAT CAN YOU MAKE WITH HEMP PLASTIC?

“With hemp, we can make just about anything you can make with fossil fuel-based plastic.  We are still learning our limitations (or lack thereof), so try us!”

Hemp Bioplastic Pellets and Kevin Tubbs, President,      Best Practices Pkg.

Do you have an application for bioplastics?  For more information the Best Practices team welcomes your inquiries.

www.bestpracticespkg.com

Tel. 907-441-3333

 

BREAKTHROUGH IN RENEWABLE HEMP BIOPLASTIC REPRESENTS ECO-FRIENDLY GAME CHANGER

BREAKTHROUGH IN RENEWABLE HEMP BIOPLASTIC REPRESENTS ECO-FRIENDLY GAME CHANGER

By Michael Murphy November 12, 2017

NEW HEMP-BASED BIO-PLASTICS LIKE THIS TRANSLUCENT VERSION NOW COMMERCIALLY AVAILABLE WORLDWIDE

Staff writer Michael Murphy recently met with Best Practices Packaging President, Kevin Tubbs, about their role in the recent commercialization of hemp bioplastic.  Best Practices is the catalyst behind a partnership of farmers, processors, chemical compounders, injection molders, film extruders and packaging converters, all committed to a better environment.  The sheer scale of their breakthrough makes hemp based bioplastic price competitive for the first time in American history. The implications are enormous.  The following is an excerpt from that interview:

______________________

Remember during olden times, (like last week) when people used to think plastic was made of fossil fuels?

Well, those days are apparently over, thanks to eco-packaging developer Kevin Tubbs, his business partner Mathew Eaton, and the forward-thinking partners of Best Practices Packaging (BPP).   

(www.bestpracticespkg.com)

Committed to the cause, Tubbs and company have spent the last 12 years on a mission to save the planet, one eco-friendly package at a time. 

The newest development rolling out of BPP carries with it, earth-changing implications. They want us all to imagine a world where fossil fuel-based plastics have been replaced with affordable biopolymers from plant materials like hemp, some even engineered to compost at the end of their lifecycle. 

While I am in love with this idea, it may take some education of the market before bioplastic is fully embraced. Personally, when I envision plastic packaging, I still see an oceanic gyre of pop bottles the size of Kentucky in my mind.

As I broach the subject of pollution, it elicits more than one wince from Tubbs, who explains:

We hope that through offering sustainable, compostable, and renewable, hemp bio-plastic at this scale, at competitive prices, our breakthrough can change the way people view this entire industry”. 

If initial demand is any indicator, manufacturers adopting ‘Best Practices’ may indeed give Exxon Mobil a reason to tremble. Packaging companies, car makers, and even his own competitors are contacting Kevin with hopes of using his new plastic to convert to greener options.

______________________________

We intend to take the environmental sting out of buying plastic goods by making the plastic…good

Kevin Tubbs, President Best Practices Packaging

_________________________

It’s apparent when you meet Tubbs, he doesn’t just talk the talk. We caught up with the former telecom executive turned ecological entrepreneur at his off-grid design center on the banks of the Little Susitna River, located in even tinier Fishhook, Alaska. While he’s not lacking in technology at the “Barn”, Kevin, his family and crew lead decidedly low carbon footprint lives, surrounded by truly unspoiled wilderness about an hour north of Anchorage.

For over a decade, BPP has been focused on bringing to market eco-friendly packaging solutions with one consistent theme: Respect for the planet. 

(Example:  www.beerpouch.com)

WHY HEMP?

Industrialists have known for decades that hemp held remarkable properties.  In 1938, Popular Mechanics magazine touted Hemp as being the next “Billion Dollar Crop with over 25,000 uses and over 5,000 textile uses alone.  The seeds of the Hemp Plant are considered so nutritious they are called a superior super-food (Containing ALL 21 Amino Acids & Omega EFA’s in the optimal ratio for Human Health, just to name a couple!). 

We had a few questions for Kevin, and his answers are in italics below.

SO HOW DID THIS BREAKTHROUGH COME ABOUT?

“Synergy; We are catalysts in this venture. One of our partners is arguably the largest producer of nutritional hemp products in North America.  Another is one of the largest flexible packaging companies in the USA, capable of co-packing slightly over a billion units a year. Together, we started co-packing a range of superfoods, hemp nutritional products such as high protein powder, hemp hearts, and hemp oil, as well as snacks like toasted hemp seeds.  In ramping up for the project, I came to understand that the residual product left from making all these nutritional items is an unusual form of biomass. While normally, it’s sold as cattle feed for its high protein value, with some testing I discovered that once through our unique treatment process, it also happens to be a superb feedstock for making a range of masterbatch bioplastics. Initially, my goal was simply to make enough hemp plastic so that we could wrap all of our nutritional products in ultra-green hemp containers. The response was such a wealth of wide open arms, that we started to grasp the gravity of our development.  Now, we see clearly the future implications of our unique bioplastic, as we commercialize the product and open it up to a world of additional users”

WHAT MAKES YOUR APPROACH UNIQUE?

“We are not only the producers of our product; we also are primary users of it as well.  This gives us a unique competitive advantage.   This vertical integration is also paired with new technology that has never previously been applied to this medium.”

WHAT KINDS OF PLASTIC ARE YOU PRODUCING? 

“It’s endless, we can produce virtually whatever the market demands. To start things off, we made a Hemp Polypropylene, followed by a hemp-based Poly Lactic Acid for 3D printing machines and myriad other uses. There appears to be nearly no limitation on the kinds of plastic we can make with hemp, adding characteristics like extra strength, flexibility and opacity. Anything you need, we can put into the manufacture of this product.  Our current capacity well exceeds 50 million lbs. of hemp bioplastics Per harvest and we expect to nearly double that next year.

WHAT DRIVES YOU TO DO THIS?

“I am forever thankful for being able to live here in Alaska, and work abroad.  It’s a pristine place where you can hike for hundreds of miles without seeing any trace of man. I think most people WANT to be eco-conscious but today, it’s not so easy.    We intend to take the environmental sting out of buying plastic goods by making the plastic… good”

Considering himself more innovator than inventor, Kevin recognizes he’s been walking in the footsteps of famed industrialist Henry Ford. 

Tubbs explained to me that just like Ford and his crew, the Best Practices team is working on bioplastic because necessity is the mother of invention. The issue for Tubbs is ecology centered, ensuring that he makes his own contribution to protecting the environment.  Ford pioneered conversion from metal body panels’ to hemp plastic during wartime (metals were rationed at the time and desperately needed for our nations defense effort). 

Known for handing a hammer to admirers of his hemp cars, and letting them take a whack to see if they could strike a quarter panel hard enough to hurt it.  Ford is quoted:  “My hemp body panels can’t be beat”

https://www.youtube.com/watch?time_continue=14&v=srgE6Tzi3Lg

It turns out that ol’ Henry was right”, says Kevin. “Hemp is absolutely ideal for making a wide range of renewable, compostable bioplastics and can be engineered to offer nearly any attribute commonly found in a raw fossil-based polymer.”

WHY NOW?

“At BPP, we have both feet firmly planted in the convergence of new technology and recently lifted governmental restrictions on hemp” explains Kevin. He went further saying, “Without these simultaneous events, BPP would not be able to do this at a scale allowing competitive end pricing”

OTHERS FAILED, HOW’D YOU DO IT?

Unlike our predecessors, our packaging partners go through football fields worth of plastic each year.  It’s easier for us to occupy this segment because this in-house volume can capitalize R and D, shouldering the cost while we convert our clients from fossil-based plastic to these amazing renewables.  Certainly, we are leveraging space age technology and pairing it with some proven ideas from the past” says Kevin.

While small amounts of hemp plastic have been made in Asia and Europe where restrictions were jettisoned years ago, Tubbs’ proprietary method used here in North America is unique.  Furthermore, the sheer volume of his endeavor has brought the end-user cost down, low enough for even the biggest plastic buyers to take note. Best Practices is working with a group of the largest hemp producers in North America and unlike crude oil, the supply is price stable and never ending, which opens the door to fortune 500-sized users for the first time.

WHAT CHALLENGES DID YOU HAVE TO OVERCOME?

“Since the 1937 “Marihuana Prohibition Act” everyone’s barrier to entry has remained DuPont’s propaganda and the confusing of two plants, resulting in the misguided over-regulation that killed the hemp industry. As people came to their senses, and regulations started to relax, it was then the economic hurdle of small supply=high cost that stood in the way.  Thanks to our alliance with the progressive folks in the PENTA5 family, with their dynamic plastic packaging capabilities and the growing hemp resources of our North American hemp grower partners, the time is now to release ourselves from our lethal dependence on fossil fuels and embrace a whole new world of eco-friendly alternatives. Specifically, we are thankful to Charles Murray, President of PENTA5 who has been behind our efforts all the way. We certainly wouldn’t be here without the enthusiastic support of PENTA5 and partners. “

Kevin is no shrinking violet when it comes to getting his message out, he is yet to see an industry that can’t be improved by these ultra-green polymers. Samples of the new designs are landing on the boardroom tables of corporations worldwide, some with carbon footprints currently leaving deep heel marks all over the planet.

THE DIFFERENCE BETWEEN HEMP AND MARIJUANA

While the two plants have a similarly shaped leaf, for those who still confuse hemp with marijuana, the difference is stark.   First, hemp is not a viable source of THC, (the psychoactive ingredient found in pot). In fact, you could probably smoke an entire farm of hemp and never get high.  Unlike its hippy-cherished cousin’, hemp represents an extremely protein-rich, highly fibrous and nutritious superfood. To top it off, it is currently being tested as an effective medicinal substance that can have an effect on a growing list of maladies, everything from healing wounds to helpingpatients with Parkinson’s, and even epilepsy.

WHERE IS THIS ALL GOING?

“Now that quantities are available, I would like to see companies from LEGO to Lamborghini convert their fossil fuel materials to something far more earth friendly like sustainable, renewable, compostable hemp bioplastic.  It’s good for the products, the consumers and our planet”

WHAT CAN YOU MAKE WITH HEMP PLASTIC?

“With hemp, we can make just about anything you can make with fossil fuel-based plastic.  We are still learning our limitations (or lack thereof), so try us!”

      

Hemp Bioplastic Pellets and Kevin Tubbs, President,      Best Practices Pkg.

Do you have an application for bioplastics?  For more information the Best Practices team welcomes your inquiries.

www.bestpracticespkg.com

Tel. 907-441-3333

 

8 Strong Reasons to Buy Your Own Health Insurance Cover Right Now

Wealth Protection is an area often neglected in lieu of Wealth Creation. Without an iota of doubt, Wealth Creation by doing smart investments is definitely important. But what use is it if there is an imminent risk of losing all that you created over your life time – in a span of, say, a few months?

Health Insurance is one such aspect of Wealth Protection – where most of us feel that either we are already protected enough by our company group insurance policy, or God will always be too kind on us and nothing is going to happen to us while we are in our prime age. Can we be further away from truth? And all of us see and hear enough examples around us everyday, which contradict this basic assumption of ours. Just closing our eyes is not going to make the risk vanish. A smart wealth creator, like a smart project manager, manages the risk of health by ‘adequately’ covering this risk associated with it. Cover your risk before it is too late.

It was a sever heart attack. He was fortunate to have survived. He is 31, my ex-colleague, working in an MNC in Gurgaon, and highly successful – or seemingly so. He has a beautiful daughter and a very caring wife. All his 3 arteries were more than 70% blocked. Bypass was the only option. When he came home, his corpus was down by 25% – this in spite of having a group insurance policy from his employer. Other than the emotional setback as well as lifelong constraints on his lifestyle habits, it is going to take him another 4 years of hard work – just to claw back his portfolio to where it was prior to this incident. You may say he was unlucky. No. He was not a smart portfolio manager. A smart manager will always cover the risks to his or her portfolio.

And if after reading this, you have been thinking that it may have happened with him because of his workplace stress, and that you don’t take that much stress at your workplace, let me tell you that the food you eat, the air you breathe, and the water you drink have become toxic enough to cause such, and many more dangerous diseases even if you are leading an absolutely stress free life. It is unfortunate, but true that we are living and consuming such toxicity. Who will be the next one – is just a matter of chance.

Hope for the best, but prepare for the worst – that is how we used to plan our projects. That is how exactly you ought to deal with your life. I sincerely hope you lead a healthy and prosperous life, but I earnestly urge you to be prepared in case of any such eventuality -for it is a definitely reality in our so called developed world.

Here are 8 strong reasons you must buy your own health insurance policy at the earliest, irrespective of your age or your existing cover:

1) Avoid stringent tests

If you think, you will save some money and take a health insurance cover only when you cross the age of 50, then please be aware that after 50, almost all health insurance companies subject buyers to a slew of medical tests before selling them a health plan. And once you undergo a battery of tests at that age, it is quite likely that you will be discovered with some minor, if not severe, anomaly. Each such anomaly is going to load your premium, apart from the physical pain of undergoing all the tests. You can avoid all these tests if you buy your health insurance policy earlier. Any pre-existing diseases are automatically covered in such a case. Any diseases diagnosed later will be covered – without any additional premiums.

2) Pay lower premium

Health insurance premiums are quite low when the age is less. The lower the age group, the lower the premium. And premiums go up only if you move across age groups. At 25, a plan with Rs 5 lakh coverage would cost you around Rs 8000, at 35 you’ll have to shell out around Rs 11000 and at 45 the cost rises to Rs 18000. So buy it as early as possible to book the policy at the lowest possible premium.

3) Accumulate no-claim benefits

Even if you remain healthy – which we should all hope for – with every such no-claim year, the extent of your medical cover increases. Buying early means you are likely to have more no-claim years, allowing you to accumulate the benefits over time.

4) Get access to cheaper and hassle free online buying

At a young age, you can buy a decent enough health insurance policy online. The online policies are cheaper. Many insurers are not willing to sell online if the buyer is above 50. You will not be able to avail of the ease of online purchase if you wait too long.

5) Your employer cover is just not sufficient

With exponential increase in healthcare costs, the need for health insurance cannot be overstated. Check the cost of a week’s hospitalized for a regular illness and then compare it with your company’s coverage. Most likely you’ll be persuaded to buy a cover immediately. Still not sure? Think about when you grow older and might need more frequent medical attention. What about if you are asked to leave the company – a harsh reality today? What about the period in between two jobs? You ought to cover all these risks to protect your portfolio.

6) Avail Sec 80D Tax benefits over and above Sec 80C benefits

Buying your health insurance early also means better financial planning. You save tax for paying the premium. Under section 80D, you can potentially save taxes upto Rs 40000 annually. If you take these tax benefits into account, the cost of a health insurance policy is not prohibitive considering the protection you enjoy.

7) Overcome the Waiting Period

When I quit IBM and took financial freedom, I bought a private health insurance policy – just to realise that I have to undergo a waiting period of 2 years for specific treatments. And, as fate would have it, my wife had to be operated for one such disease during this 2 year period. Who paid? I did. Do not do the same mistake that I did. Do not wait to buy a health insurance policy till it becomes a definite necessity.

When you buy a health plan, you have to serve several waiting periods-for certain surgeries, special treatments, pre-existing illness coverage, etc. If you buy it now, when do not need it immediately, it would mean you would have served the requisite waiting periods and be able to claim all full benefits later.

8) Cover your ‘to be born’

Today’s health insurance policies covers much more than just hospitalization. New health plans cover you for day care procedures and OPD, not just serious hospitalization. Even vector borne diseases are covered. Most plans also have maternity benefits, which may be relevant at this stage of life. Also, your new born will be covered from birth without any additional premiums.

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Superior Data Protection With SCSI Hard Drives

Data protection and preservation is always a problem for the businesses with huge database. But this problem has multiple solutions including the use of SCSI hard drives. SCSI stands for small computer system interface. It is a physical device that helps in transferring and connecting data between computers and other devices. This technology can be used for scanners, CD drivers but mostly it is mostly used for tape drive and hard disks.

So how exactly do these hard drives help a business?

It is very simple to understand. Businesses nowadays use computers for storing their significant documents and files regarding clients’ details, financial statements, operational activities, records of expenditure on labour, capital and other resources. Although computers have vast memory but it is not sufficient enough to store all the day to day data of a business. There is a point where your computer starts to operate at full capacity and you are then faced with the need for more storage space. In such circumstance, SCSI hard drives are used to increase the performance and storage capacity Kosten für unseren Service als EDV-Sachverständige.

What are the benefits associated with its use?

This technology has helped many individuals and businesses by storing data which a computer cannot store alone. Some of its exclusive benefits include the following:

  1. Speed if the key benefit of this hard drive. It ensures that data is transferred and accessed in the minimum time possible.
  2. Moreover, it supports a wide array of peripheral devices such as your iPod, iPads and USBs.
  3. It also helps the entrepreneur in securing his investment by providing the facility of backward compatibility with previously invented SCSI drives.
  4. Huge storage capacity is yet another benefit. This hard drive helps in transferring and storing very large amounts of data.
  5. Last but not the least, it offers the highest degree of reliability to its users.

Does this hard drive have some limitations?

Well, where there are so many benefits associated with the use of any technology, there are certain limitations too. This data storage and transfer system has the following limitations:

  1. Almost every good thing in this world has a price attached to it and so does this hard drive. The initial cost of purchasing this drive is high but the people who intend to buy it should not forget the numerous benefits it can bring to them.
  2. Secondly, a widely faced issue with this drive is that it is not supported by every computer. But this issue can be resolved by using SCSI controller add-in card.

There are different SCSI connections like the SCSI-1 connection that offers a transfer rate of 4 MB per second. Likewise, the SCSI-2 connection can connect multiple peripheral devices while offering the convenience of transferring 4MB of data per second. The ones with much larger connectivity options, storage space and fast transfer rate are Fast and Ultra SCSI drives Kosten EDV-Sachverständiger.