Archive for category Financial health
Financial Health Tips
Posted by admin in Financial health on September 27th, 2009
Tips to protect your health … Financial!
Your financial situation is it solid? If you were affected by serious illness, could you take both your medical expenses and your other financial responsibilities?
According to the poll to your health! Conducted by Desjardins Financial Security in 2009, 64% of Canadian employees are covered by insurance life insurance or disability insurance income. But only 36% of them could afford to be absent from work for three months or more for health reasons.
How to prepare?
Here are some specific actions you can ask to be well prepared in case of serious illness.
1. Consult a lawyer or notary to make sure that your will is updated, as your mandate in case of incapacity. This term is important: it allows you to designate a trusted person who can manage your finances and make decisions for you if ever you’re not.
2. Assemble an emergency fund. Determine how much you can spend and start saving now. Although the first steps are difficult, it is an investment that’s worth.
3. Reassess your insurance portfolio. Health insurance, disability and illness that you would currently sufficient to meet your needs? It would cover your medical expenses, your expenses and those of your family? If this is not the case, use our online simulator to identify gaps in your coverage and determine how much cost you additional protection.
Within minutes, you’ll know how to get peace of mind that you are looking for.
Auto Financial Health
Posted by admin in Family Health, Financial health on July 5th, 2009
1. Proximity
Put yourself in the best conditions for success by focusing your license driving schools available near you, your place of work or study with class schedules or code of conduct tailored to your needs.
Tip: You can use Google Maps to find a driving school near an address
2. Success Rate
The success rate of the driving school to the driving test is an indication of the quality of training. Two precautions for using this information:
* This rate depends on locally to the social and cultural background of the candidates and the severity of the examiners. The relevant comparison is between two driving schools in the same sector
* A perverse effect of displaying this rate is selected by some driving schools candidates they present. Take contacts of alumni to see!
Record the approval number of the driving school is it that you will get the success rate with the prefecture.
Several rankings by success rates are available online:
* Awards 1000 best driving school French Auto Plus 06/08
* The classification of driving schools in the Nord Pas-de-Calais La Voix du Nord 02/09
3. Quality training
Listen to the opinions of students who have already started or completed their training. Avoid a driving school where others have known bad experience and prefer for your driving lessons instructor competent and motivated.
Some questions to assess:
* The opportunity to train regularly in traffic What are the times to review the code?
* How many sessions per week?
* The correction is it made by a monitor?
* The quality of coaching What was the behavior of the monitor while driving hours: Attentive and educational or absent?
* Should I monitor “referent”? Ie a monitor fixed or at least someone to go?
* The effectiveness of the preparation for the examination of driver’s license How Chess Exam code and conduct, and especially why?
* During the examinations passed, what was the success rate of the driving school?
* How many hours did you need to spend / pass the practical test?
* If applicable, how long did you have to wait to retake the exam?
Feel free to interview students in training, so that you do not answer your questions.
Emphasize driving schools that have signed the Charter of quality driving schools required to offer the license to one euro per day or took a quality as Qualicert.
Any training code must be performed by a certified instructor.
On average, for the B license, the price of a basic package 20H is 1200 € divided as follows:
Decomposition of the price of a basic package permits
4. Rates
Emphasize driving schools which clearly show their services and their rates.
Pay close attention to course content: code, conduct, presentation.
To effectively compare two driving schools, make a simulation taking into account 30 hours of training before the first passage of the permit.
Attention, unbeatable prices are not a guarantee of seriousness, quite the contrary. Beware of a driving school offering a package of 500 or 600 € is to say at a price below the cost of only 20 hours of mandatory training to drive (20 hours x 35 €).
As in all businesses, prices shown may be negotiated. Heads Up competition between driving schools and compare prices!
Some driving schools have a student discount.
5. Financial Health
Choose a driving school that lets you set a phased manner. In all cases do not agree to pay the full amount at the first appointment.
Verify that the driving school of your choice is not bankrupt or in receivership by example by going on the website Euridile.
Emphasize a driving school with financial security, such as those proposing the permit to one euro per day, signed the Charter of quality driving schools.
6. 321permis_voiture_auto-ecoleMatériel
Observe the quality (state-level maintenance, type) of material: vehicles, furniture, media code, local, etc.. A vehicle damaged, dirty or above may suggest a formation of low quality or even a critical financial situation.
As part of the motorcycle license, the material is of considerable importance:
• the school must provide all its students fluorescent vests when driving;
• when learning movement, the monitor must be connected by radio to his students. The materials should not suffer from any defect;
• during the learning stage, the bike-school must have a sufficiently broad and secure to acquire control of the bike drive in good conditions.