Tag: Buying

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If you’re thinking of buying a home but don’t want to deal with the hassle of maintaining a yard, paying for repairs, shoveling snow, and cutting the grass, you may want to consider buying a Condominium. A condominium is similar to an apartment except for one main difference, instead of paying rent, you own the property. The difference is purely legal, as in, you own the property, and share the common areas with others. Well technically you only own the air space within the boundaries in the property, and can modify the interior to your liking. But it’s still the same as owning your own home, with the added benefits of less maintenance.

What’s the advantages and disadvantages of owning a condominium?

Cheaper – Condos are usually cheaper then a comparable stand alone single family property. If you wanted a 2,000 square foot home, you would most likely pay 20-30% less if you bought a condo. Disadvantage? Well, your neighbors are usually really close, like as in, a walls thickness away. Depending on how well built the condo is, this may or may not effect you. Some condos you may hear your neighbors, others are built sound proof, and having close neighbors won’t effect your noise level at all.

Less Maintenance – The best advantage of owning a condo is having a almost maintenance free property. Most condos are maintained on the outside, which means no more shoveling snow, mowing the lawns, and repairing things like siding or shingles. Disadvantage? There is usually a Homeowners Association fee (HOA) that you are required to pay. Most HOA fees are reasonable, and are there to keep your property managers paid to keep the maintenance activities well maintained. These fees can be anywhere from $50 to a couple hundred dollars a month. It all depends on what has to be maintained.

Common Areas – Most condominiums come with the added benefit of swimming pools, tennis courts, a small park, kids playground, workout centers, or many other amenities. The cost to maintain these amenities yourself could be enormous, but they are usually included in your HOA fees. Disadvantage? I can’t think of many, other then the HOA fee, who doesn’t like a pool? This is probably one of the major benefits of living in a condominium, the cost of owning one of these amenities in a stand alone environment can be costly to say the least.

Safer – There are a lot of condo complexes that have gated communities, or other security measures to keep you safe. In larger cities, you may have to push a button to be let into the complex, this is a great way to be safe. You also have a lot more neighbors that are closer, and will be more adept to watching the premise, which is good if you are going on vacation.

Disadvantages There are disadvantages to owning a condo, one of which is the proximity of your neighbors. Most condos are built with a common wall, which means you will be sharing at least one wall with a neighbor, if not more, and this could prove to a be a noisy environment. Another disadvantage would be parking, most condos come with limited parking as you have to share the space with your neighbors. You may also not be able to park close to roads, or on roads, which increases the limits involved with parking.

There are many advantages and disadvantage to owning owning a condominium, and only you can decide if buying a condo is right for you. After reading this article, you should have a better understanding of both sides, and I hope you can make a more informed decision as to what is going to work for you.

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Source by Lisa Udy

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It is rightly said that necessity is the mother of invention. This applies to health insurance also. Deteriorating lifestyle patterns and the rising cost of health care in India has paved way for health insurance services. This need has further aggravated by the fact that unlike the West, the social security systems are non-existent in India. The governments have made all the provisions to extract tax from the citizens at all possible points but when it comes to health care and social security, it has not done anything at all.

Thus, it is the responsibility of the citizen to secure himself. But it is not that smooth to get the right health insurance policy. There are over two dozen general insurance companies which are offering different types of health insurance plans in India. Many times, people end up buying health insurance plans which are not relevant for them and which do not help them during the time of need.

Therefore, it bears crucial significance that you understand the nuances of health insurance plans and then only make a decision. Here is a quick list for you.

What all do health insurance plans cover?

Health insurance plans are primarily meant to provide you coverage against hospitalization and critical diseases. Most plans cover this. But, there are many plans, which do not cover certain types of health ailments. For instance, you can find several mediclaim plans which do not cover blood pressure and diabetes related issues.

The scope of coverage can be different too. For instance, not every plan covers post-hospitalization expenses. In some the coverage period can be as large as 45 days and in some the period could be as little as one week.

It is your responsibility to check on these matters. If you are relying on the insurance agent who is pursuing you, it can cost you dear at later dates. Agents are interested in making sales and commission. They may show their concern and tend to offer you the best plans, but they reality can be very different. So, just take care of these aspects.

The development of health insurance industry in India has motivated insurance companies to introduce comprehensive plans. A wide range of riders are also available at your disposal. Thus, if you buy a standard policy, you can add on riders which can provide you cover against many other risks such as permanent disability benefit, diabetes coverage, etc.

Do they cover pre-existing conditions?

Most mediclaim plans in India do not cover pre-existing conditions unless specified. Do not assume on this matter. If you are looking for coverage against a pre-existing medical condition, then clarify it at the very first instance. You can compare health insurance plans online and consult with customer care center through online chat option or telephonic call.

There are plans which cover pre-existing ailments at certain conditions. Generally, there is a pre-specified period under which pre-existing conditions are covered. The cost of such plans is naturally higher than the standard ones.

Can multiple family members be covered under one plan?

Yes, it is possible. You can simply opt for a family floater plan and get your family members covered under a single plan. There are myriad benefits of these plans. The premium is a bit higher but quite less if you go for different health insurance plans for various family members. The collective cost for various plans is much higher.

Family floater plans, at the other end, are cost effective. The most frequently asked question about family floater plans is what happens if one member consumes the coverage limit and another member falls ill. There are solutions to these conditions.

You can top-up coverage limit during the policy period. Of course, you need to pay some additional premium to get the extended coverage.

Can you switch from one health insurance plan to another?

Portability is not limited to the telecom sector only. The Insurance Regulatory and Development Authority of India (IRDAI) has made portability possible in the health insurance sector.

If, due to any reason whatsoever, you wish to change your health insurance service company, you can file an application for the switch. Health insurance is offered by general insurance …

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If you have ever bought or thought of buying supplements online, you’d know that a seemingly easy task can often feel daunting with a tide of questions and doubts in your mind. Which is the best supplement for me? Does it have any potential side-effects? How quick will the delivery be? I hope it’s not fake?!

These are just some of the many doubts that scare us when we are about the click the ‘buy’ button on any website online.

We have listed down 5 Important things which any customer should try and look for on the website they intend to buy from for a greater transparency of things:

1. Social Media: A Facebook page speaks volumes about the brand if you know the kind of things to be aware of. The most important is look at the brand following. This will instantly tell you how popular the brand is among people and if they actually post content like offers etc which is worth following them or buying from them. The second thing to consider would be comments left by customers. Facebook reviews are one of the very few verified and genuine reviews as they have come from an active profile.

2. Returns Policy: One of the most important things to find and read on any website you wish to buy from. An easy return & refund policy should be clearly stated with a link in the footer. Please be sure to read every word of this document so you know you are covered in case you decide to send the supplement back if you aren’t happy with it.

3. Authenticity: If the above doesn’t help prove this, then ask questions if the product is genuine and authentic. We encourage customers to download a free barcode scanner app on their smartphones and always scan the barcode at the bacof the supplement whether they are buying at a retail store or if they bought online. Furthermore, the details of the product including batch number and expiry dates can be emailed directly to the brand for them to verify authenticity.

4. Logistics Partner: Find out who they partner with for courier services and if Cash on Delivery is available. Most good courier partners will ensure a safe protocol and a quick delivery to your doorstep. COD relieves you of the stress of any potential fraud as you only have to pay when the goods arrive.

5. Live Chat: If the website provides a live chat option, make sure you ask all questions relating to the best products, offers and any on-going discounts. An interactive website ensures all your queries are answered before purchase and also makes it easier to contact the team for any post-purchase doubts.

Be careful while buying supplements online like whey proteins, mass gainers or other protein supplements.

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Source by Amey Mhadeshwar

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Online purchase of medication is fast becoming a popular trend. Web-based pharmacies offer shoppers convenience and easy access even to prescription drugs. However, there is a caveat to this seemingly flawless practice. The clutter of pharmacies on the Internet makes it difficult to tell which ones provide quality medication. So the question arises: How can you tell if the online pharmacy is reliable?

Despite the warnings and the apparent dangers online drug purchase poses, it does not mean that you should avoid buying your medication online at all costs. Exercising proper caution should save you the trouble of dealing with scams, bad merchants and worse, unsafe drugs.

There are still a lot of legitimate pharmacies on the web, it's just a matter of knowing what to look for. Here are a couple of quick tips to make your online shopping safer:

1.It's a prescription for a reason. Unlike over-the-counter varieties, prescription medication have to be limited by the proper authorities (read: doctors, pharmacists and other health professionals). An online drugstore that respects this aspect of the medical world also deserves your respect. If the medication you need requires a prescription, make sure you get it from a place that also requires you to provide them with one.

2.Their professional opinion counts. When you have questions or concerns regarding the drugs being sold or the counter-indications that you have to know, you really should leave the answers to the pros. It is therefore essential that the online drug store offer the expert opinion of pharmacists.

3. Licensed pharmacies are the best way to go. Truth be told, not all online merchants of medication are US licensed. In fact, some aren't even pharmacies at all. Make sure you look for this particular bit of information when considering a website.

4.Your security should be their concern. When you've determined that the online pharmacy is worthy of your patronage, make sure that any personal and financial information you send over is well-protected. SSL encryption on the payment page is one of the things you can look for. This feature scrambles the information that goes over the Internet so that only the intended recipient possesses the key to unscramble it. SSL encryption is especially useful for websites that conduct e-commerce.

5.Reach out and talk to someone. Whether you are doing business with an online pharmacy or any other e-merchant, good customer service and constant communication are two things that you must always look for. Look for a way to talk to an actual person even before you make a purchase. This will come in handy when you do find yourself having problems with the product or the service in the future.

Buying medication online is easy and convenient, just make sure you take the necessary precautions. Look at the sites careful and use good old common sense in assessing the legitimacy of your online pharmacy. These simple steps can serve as guidance to help you avoid potential health risks that may be caused by purchasing fake or unsafe drugs online.

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Source by Phillip Carmichael

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Any Wii fanatic knows just how popular My Fitness Coach for the Wii is. In fact, even though it’s more of a workout program than a traditional video game, it once ranked as the best selling video game on Amazon.

While its popularity is high, My Fitness Coach may not be for everyone. Here are 10 facts that you should know before buying this Wii personal trainer program:

1. My Fitness Coach does not use the Wii Balance Board. Instead, the program relies on the honor system. Your Wii personal trainer, Maya, will have you go through a quick set of exercises including jumping jacks, push-ups, lunges, and crunches to assess what kind of shape you’re in. You will be asked to enter your name, gender, weight, height, date of birth as well as some measurements  including waist, chest, thigh, bicep and neck circumferences. The benefit of not using the balance board is that you get to incorporate a wide variety of exercises into your workouts that could never be possible with the balance board. Maya will also ask you if you have a heart monitor, stability balls, step benches and/or hand weights. If you have them, Maya will incorporate them into your workouts.

2. My Fitness Coach feels more like an aerobics DVD than a video game. The main difference here is that the program will change your routine depending on your progress and keep your workouts challenging and fresh. How many times have you stopped using workout DVD’s because you grew tired of the same thing over and over? Your Wii personal trainer will check in with you multiple times during your workout to see how you’re doing. The only time you use the controller is to respond to her queries. Maya will then adjust future workouts based on your responses.

3. My Fitness Coach contains six areas of focus. They are: weight loss, cardio, upper body strength, core body strength, lower body strength and flexibility. Based on the info you provide, Maya will suggest the area she feels needs the most focus. However, you have the ability to choose which area you feel needs the most attention.

4. My Fitness Coach contains nearly 500 workouts. In order to provide you with an extremely well rounded and productive workout experience, your Wii personal trainer will be able to choose from nearly 500 workouts to get the job done. You can also be certain that no two workouts will ever be quite the same.

5. Choose from multiple workout locations and styles of music. Another issue with with workout DVD’s other than routines becoming stale is the fact that you’re looking at the same video shot in the same location day after day. Whether it’s shot in an aerobics studio or on a California beach, one gets tired of seeing the same thing over and over. Not so with My Fitness Coach. Are you in the mood for an urban environment or a dojo? How about a desert oasis? Different locations help keep your workout experience fresh and enjoyable. You can also choose from seven different types of music including 80’s, Hip Hop, Latin and Dance.

6. Your Wii personal trainer works around your schedule. No one understands the importance of commitment more than Maya. She will suggest a workout schedule for you based on your goals, but in the end you decide your schedule. After all, many of us lead busy lives and have hectic schedules. You can choose what days of the week to work out on as well as the duration of each workout. For example, on Tuesday you can workout for 15 minutes and then go for a more intense 45 minute session on Thursday.

7. My Fitness Coach has a group exercise mode. You can create up to four profiles on My Fitness Coach, so it makes sense to allow multiple people to work out at the same time. Your Wii personal trainer thankfully allows this. Just be sure to have a massive space available if you plan to work out with two or three other people.

8. You will sweat. The workouts designed by your …

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If you are on a tight budget, purchasing used gym equipment can be a smart decision you could make. However, the used equipment that you select should be in good condition. The following article provides tips that would help in making an informed decision when buying used fitness equipment.

Buying Tip

Irrespective of the equipment that you have selected to buy, it would do well to find out a reliable and trustworthy seller with a reputation for delivering quality products that are priced reasonably. When selecting the right equipment, you need to keep certain things in mind so that the purchased equipment does not falter when used later on.

Check for Functionality

Buying used gym equipment should not be at the cost of compromising on the durability. Ensure that the equipment is working completely fine. Examine the different features of the machine and find out the presence of any damage. Try the machine and verify if its features are working fine and safe.

Check for Maintenance

Take time to inspect and find out if the gym equipment is maintained well. It is important that no damages are done to the vital components of the equipment so that it is safe when working with the equipment. The presence of cracks and tears in the parts are the results of poor maintenance.

Check for Comfort Level

It is important that you feel comfortable at the time of using the equipment. Otherwise, there are chances of sustaining injury and health issues while using it. So don’t buy equipment simply because the deal appears lucrative.

Choose from Reputed Brands

See to it that the maker of the used fitness equipment is a reliable and reputed manufacturer and provides a warranty on the parts. So going for quality brands ensures the durability of the equipment.

Check for Warranty

Although used fitness machines do not come with a warranty, but in certain cases, the seller could provide a warranty of up to a year. Check with the manufacturer to find out if they provide after-sales service.

Go Through Customer Reviews

It makes sense to buy gym equipment that has a considerable number of testimonials to its credit. Searching online or reading fitness magazines about customer reviews of the equipment will help to judge the reliability of the equipment.

Buy at the Right Price

Before buying used equipment, find out the retail price of the machine. For this, you could go through the classified ads as given for the local area or browse the websites and compare prices to find the best deals available that meet your budget. Once the actual market value is found out, it would be much easier for you to bargain with the seller for the used fitness equipment. Before inking the deal, verify if any additional expenses like installation cost, delivery charges, and servicing cost need to be paid.

On the whole, it would be beneficial to do one’s own research before purchasing used gym equipment. Purchasing in haste could mean regret later. On the whole, an impulsive buy is not recommended when buying used gym equipment.

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Source by Barry Wilkins

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