In the Hanseatic city officials declared 55 million euros to join

Premier League club Manchester city official 1xbet from Schalke official announced that the team has signed Germany talent sane. According to media reports, the transfer is worth £ 55 million, 48 million of which Europe is a one-time payment, leaving 7 million euro float provisions, which also broke the 2013 ozil maintained by 50 million euro (about £ 42.5 million) Germany players worth a record.

City Manager PEP Guardiola wants to introduce the SA message, after the official opening of the summer transfer window, has been released by the media. Guardiola seem intent on building a young team at Manchester City guards, like Jesus, and now SA, are all being hyped before the name. Sane last season scored 8 goals in the Bundesliga sent out 6 assists was impressive, and sane only 20 years old, and his demonstrated ability to stand, its prospects are very broad.

Sane deal, media reported 1xbet ago there was more than one version, but lots of 46.5 million pounds (about € 55 million). For more difficult financial situation for Schalke, which is enough to keep them happy. Worth a mention of is, Germany players zhiqian of transfer records keep who is Ernie ozil, he when transfer arsenal of transfer fee for 42.5 million pounds (about collection 50 million euro), now, 20 age of sane has almost himself of the big brother, interesting of is, sane and Ernie ozil in field also is personally very good of friends, was had took to they 2 people this summer with holiday of photos.

Health Insurance for Seasonal Workers – Bridge Policies

As always, let me disclaim that I am NOT a health insurance agent or expert. I am just sharing what I have learned and recommending you consult a professional. Without a doubt, I do recommend taking the time to really educate yourself about your health insurance options if you are buying your policy independently.

I HAD heard of bridge policies – designed to act as a gap between loss of coverage for whatever reason and the next opportunity to enroll in “Obamacare.” Going forward, I’ll use the official abbreviation of ACA for the Affordable Care Act. These policies are NON-ACA compliant.

That means they HAVE exclusions for pre-existing conditions.

It also means they are substantially… SUBSTANTIALLY less expensive.

Here is the kicker, and what I did NOT know. You can buy bridge policies as an ongoing method of insurance.

As long as you do NOT have one of the pre-existing conditions that would exclude you, such as a heart condition, cancer, etc, you are allowed to just purchase these types of policies, instead of ACA compliant ones. There are a couple “gotchas” that I want you to be aware of:

1) Talk to an Independent Health Insurance Agent

The “Navigators” that are part of the ACA process cannot talk to you or really give you guidance about health insurance in general. They can only talk about differences between their ACA-compliant policies. Ask your insurance agent if bridge policies would be an option for you.

2) Timing Matters

Bridge policies are for a specific period of time, up to 12 months. If you develop an exclusionary condition while covered, you will not be able to get another bridge policy when it ends. You can only sign up for ACA during open-enrollment (unless you have an exemption like losing a job). So, it might be wise to time your policy end date during open-enrollment. Ask your insurance agent.

3) There IS a penalty

There IS a tax penalty for choosing this option. Talk to your accountant. For my family, the combined cost of the penalty AND the bridge policy was still considerably less than the premium for an ACA compliant policy.

4) Stay Healthy

Without a doubt, the key to using these policies is being healthy. If you already have an exclusionary condition, then most likely they won’t work for you. But if you can stay healthy, bridge policies may be an affordable alternative.

Talk to an Insurance professional.

I recently read that one thirty-minute walk per day can make an incredible difference in your overall health. See you on the trail.

5 Keys to Choosing the Right Individual Health Insurance Plan

The internet has made it easier to compare different health insurance policies and shortlist health insurance plans. With the right health insurance policy, one can make substantial savings if a family member gets sick. Although there is no golden rule to choose the right individual plan, yet, some common tips help in the decision making process. Five keys to choosing the right individual insurance plan have been listed below:

• Determine your need and your affordability: Even before you start your online search for insurance plans, one needs to be sure about the details of the plan. You need to make sure that the benefits offered by the plan covers what you need for yourself and your family. However, the perfect plan will also come at a considerable cost. As an informed customer, you need to do a proper cost benefit analysis to make sure your trade-off between price and benefit is in the appropriate proportion. If we take into account, frequent trips to the doctors, medications and dental coverage – such scenarios eliminate unsuitable plans and makes the comparison process much easier.

• Don’t overbuy: The scenario is similar to buying a luxury car where the monthly EMI equals your home loan payment. There is no point in purchasing a health insurance policy with benefits which are unlikely to be used at a high and unviable cost. For relatively young and healthy individuals, a policy with a high deductible is more suitable. Deductibles are the amount paid by insurers before certain benefits kick in. A plan with a decent deductible will cost considerably less per month and could save money in the long run.

• Walk through several plans: It is always advisable to go through several plans. In the process, benefits associated with different health insurance plans can be reviewed and analyzed for better decision making. At first glance, some plans may look appealing. Later, the same plan turns out to be a costly affair due to cost sharing arrangement. The burden of medical cost in the future will be a big headache. Hence, going through and analyzing several plans is the best way forward.

• Co-insurance and co-payments: Several health insurance plans require the holder to contribute to the coverage payments. The contribution is called co-insurance and is the portion the customer has to pay after deductible. A co-pay is a flat fee one has to pay while paying a visit to a doctor or specialist. While choosing a personal health insurance policy, consumers should look into co-insurance and co-payments factors.

• Reputation matters: After identifying the price and need of the plan, reputation of the company should also be in the reckoning. Ideally, a company with a long haul in the market should be trusted and relied upon. There are many ways to assess the standing of insurance companies and their health insurance policies.