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People usually retire at the age of 65 and at that age, they can apply for a senior individual health insurance policy. However, some insurance providers are cautious in accepting insurance applications from senior citizens because they are more prone to hospitalization and they need more frequent medical care. It is because of this that senior individual health plans are more expensive than other insurance policies.

It is not only those who are of retirement age who can get this kind of plan. Many senior individual health insurance policies are also intended for the disabled who are under the age of 65. Some insurance providers also offer this to people of all ages who suffer from kidney problems that require them to undergo dialysis regularly. Aside from the usual benefits, a senior individual health policy can also offer cover most of your expenses in relation to prescription drugs. Some providers cover around 70 percent of the costs of these drugs, allowing the policy holder to spend less money on their medication. Aside from this, some insurance providers also cover wheelchairs and walkers. For those who are too weak to leave the house, some insurance providers may offer home care subsidies and also cover the payments for on-call nurses. The rates will vary from state to state, as well between insurance providers within the same state.

With the advancement of technology the purchase price of a printer has come down to a great extent. But the cost of running a printer has not come down to the same extent. Printer ink amounts to be the most expensive of all printer supplies. But it is possible to save money on your printer ink if you follow these suggestions.

There are many ways of replacing printer ink. You can buy brand new printer cartridges from the printer manufacturer; buy remanufactured OEM cartridges, compatible cartridges or printer ink refill kits. Of all the options available compatible cartridges and refill kits are the least expensive. These offer good value for money and the print is of good quality as long as printing is restricted to black text. Brand new cartridges are the best if you want to printouts of pictures and graphics; but these are also the most expensive.

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Bob Hope once said, "A bank is a place that will lend you money if you can prove that you don't need it." Maybe that explains why more and more home buyers are turning to their loved ones, and even more distant members of their circle, for help with financing. If done right, tapping the "Bank of Family and Friends" can be financially lucrative for both you and the person lending you the money. You get the cash you need, they earn interest at a rate equal to or even higher than they could have gotten elsewhere--everyone wins.

Commonly called a private home loan, a private mortgage or an intrafamily mortgage--even though your private lender can be someone other than a family member--these types of loans are legally speaking no different than a mortgage originated by a bank, credit union, or other institutional lender. As with an institutional loan, you'll normally sign a written contract and establish a schedule of monthly repayments with interest. Your private lender will hold a lien on your property and have the legal right to demand full payment on the outstanding balance if you fall behind in making payments. Your private lender can even foreclose if you default on the loan (though few would go so far).

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