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Finding A Health Insurance Plan In Florida

(category: Wealth-Building, Word count: 984)
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Some strategies on finding affordable health insurance in Florida.

I've been a health insurance agent since 1985. I help Connecticut residents find health insurance and have for the last several years have also managed a website that helps people in other states including Florida find health insurance. You can find a health insurance broker in Florida by requesting quotes through my site.

Health Insurance Plans of Florida - Tips to Help You Pick the Right Policy

Choosing the best health insurance plan involves the following:

Finding a policy with or without using a health insurance broker in Florida who can offer you the lowest cost (but only with respect to the other two criteria)

Finding one of the health insurance plans of Florida that has a network that meets your needs

Finding the Florida health insurance plan with coverage that meets your needs

Choosing the right medical insurance policy involves finding the best rate quote amongst the Florida health insurance plans that meet your needs as to network and coverage. Choosing the lowest price is of course very easy. Determining whether the health insurance plan's network of doctors meets your needs is only a little more difficult. Choosing a health insurance policy that covers you well can be complex. You may want to enlist the aid of a licensed health insurance broker in Florida. Most of this article focuses on the basics of determining how well a policy covers you.

In a perfect world, everyone would read and understand their insurance policies. However, I realize that many people will find a health insurance broker in Florida that they feel comfortable with and will want his or her recommendations. However, whether you use a broker or not, I strongly recommend that you contact the Florida office of Insurance Regulation in Tallahassee, FL (850) 413-3140 and make sure that any health insurance plan is approved by them. Insurance Departments cannot ensure that you get the best policy for your individual needs, but they do their best to make sure that each health insurance plan and each health insurance broker meets certain minimum standards. Be sure to work with companies and brokers that are in good standing.

Choosing the Florida Health Insurance Plan with the Right Network

Health insurance carriers usually have websites that will list the MDs and medical facilities that accept their plans. All that I'm aware of will have a printed list that they can mail to you. The right plan will have your physician on their list or at least physicians who are located a convenient distance from your home. If you travel it is important to find a plan that covers you well in other geographic areas as well.

Choosing the Florida Health Insurance Plan with the best coverage for you

Health insurance policies may be the most complex of the insurance contracts offered to individuals and families. Understanding how your medical plan will pay for your medical bills can be difficult. Fortunately most of the brochures and outlines of coverage that you may receive from a health insurance provider will have a similar structure. They will have sections similar to the following:

What is Covered?

Health Plan Exclusions and Limitations

What is Covered?

This section will detail what medical procedures your health insurance policy will cover. The policy should have a phrase like "reasonable and customary" or "usual, reasonable and customary" or something similar when describing how much they will cover.

Watch out for health insurance policies with:

Monetary limits for each procedure

A long list of procedures that the medical insurance policy will cover

Better health insurance policies will not list dollar amounts for each procedure. They will pay using a formula that is based on what other physicians and hospitals will charge you in the same geographic area. A phrase like "usual and customary" indicates that they use such a formula. The cost of medical care rises so quickly that a dollar amount that seems impressive today may not fully reimburse you even a year from now.

Solid health Insurance policies will not have a long list of procedures that they will cover listed on the policy. The long list seems impressive because the list takes up a lot of space. Look at the statements below. It should be easy to choose between one and two.

"Our health insurance plan will cover you for everything except for expenses caused by self-inflicted injuries and substance abuse." ("I've been to every city in Florida except Orlando.")

"Our health insurance policy will cover your nose, your ears, your toes, your hands, your right lung, your calf and your knee" ("I've been to Orlando, Miami, Jacksonville, Tampa and Miami Beach")

Health Plan Exclusions and Limitations

This section will tell you what is excluded. Typically plastic surgery will not be covered. Also experimental procedures and expenses caused by self-inflicted injuries will not be covered. You should understand each of these limitations before you commit to a policy. Most policies will not include maternity insurance, so if you want to get pregnant, make sure that you know how your policy will cover maternity expenses. Unfortunately, maternity insurance is not available in many states except as part of a group insurance plan.

To summarize:

Determine what health insurance plans will cover you in your area

Determine which health insurance plans offer adequate coverage

Choose the plans that offers the best value based on price and coverage

The health insurance options Orlando residents have are similar to the health insurance options Miami residents have, since the plans will work in similar ways throughout the state.

This article can be copied and reprinted but only in its entirety and with the links intact. The article was originally published on The article starts with the heading "Hospitalization Only Insurance" and ends with this sentence.

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Shopping For The Right Bra Size

(category: Womens-Issues, Word count: 510)
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Shopping for a bra can be a long and painful task for many women. There are many bras to chose from and many women don't know which style, and more importantly size, is right for them.

When shopping for a bra, finding the right size is vital; it is estimated that about 80% of women are wearing the wrong bra size. To make sure the bra you are buying is the correct size, watch for the following signs.

You should measure the width of your chest just below your breasts (on your ribs) before buying a bra. Take this number and add five inches to it. This will tell you what band size you should be trying on. For example, if you measure 31 inches around, you should be trying on a 36 sized bras. If you're number ends up being odd, go to the next size up. If you are "plus sized", you don't have to add these five inches.

To find your correct cup size, have someone measure around the fullest part of your breasts. You should not wear a padded bra while doing this. Then take this number and subtract it from your rib measurement. This will tell you your cup size.

Negative difference - AA

1 inch - A

2 inch - B

3 inch - C

4 inch - D

5 inch - DD or E

6 inch - DDD or F

7 inch - DDDD or G

If your bra fits correctly, it should be snug around the middle, but still be able to fit one or two fingers under the band comfortably. If you can't do this, the bra is too tight. If the band comes away from your body very easily or the band rides up your back, the bra is too big. If you are wearing an under wire bra, the wire should lay flat across your chest. Whereas if you are wearing a bra with no under wire, it should separate your breasts so it doesn't look like you have one big boob. You should also look for the tightness of the bra on the breast. The breast should fill the cup perfectly. If your breast is lower than the cup, the cup is too big, but on the other hand, you don't want to be spilling out of the cup either. If your breasts are popping out on the sides, top or bottom, the bra is too small. If the band feels fine, just go up a cup size. When shopping for a bra, try raising your arms over your head- the bra should stay in place and not lift off of your chest. If it does this, its too big.

If you follow these tips, your next shopping trip for bras should be more enjoyable. Try on all different styles of bras to see which kind suits you best. Also, never rush while shopping for bras. Pay attention to how they look and feel to make sure you buy the perfect fit.

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Finding The Best Web Hosting Company

(category: Web-Hosting, Word count: 748)
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What is the best invention this century? Of course it is the super information highway - the Internet. What an amazing piece of technology, it connects people from around the world and allows people to learn and communicate. It is basically the biggest multimedia library in the world and it is free! What more could you want? If you like communicating then the internet was made for you. The internet is a world wide phenomenon that has been in the headlines since it first began. There has been lots of stuff written about the good and the bad aspects of the net but everything in life has a paradox so it is hardly surprising.

One of the best parts of the internet is that it is so easy to have your own space where you can share with the world your own likes dislikes etc. Maybe you are good at something and would like to share you talent with the rest of the world. Then the internet is ideal for sharing this. All you need is a bit of web hosting space and you are off. You don't even need any website or designing skills; you can use Microsoft Word or any publishing software and create you website like any other document. As long as you can use a computer and am willing to learn a little it really is easy.

People do seem to get confused when it comes to domain names and web hosting. So what are they? Well to have a website on the internet the first thing you need to buy is your domain name, this is the www. part. Then you need "web hosting" which is paying for a company to store you website on their server. A server is a computer that is on all the time that "hosts" your website, in other words stores the website. You can make your own computer become a server but then for people to view your website at all times this needs to be on all the time, which is why most people use a hosting company. You pay them to make sure the site is online at all times.

Not sure which web hosting company should you go for? There are hundreds and all trying to get your business. You need to work out which company is offering the most and at what price. Not all companies offer telephone support. This is a must for any novice and is most important, you want to be able to pick up the phone and ask for help when needed. You want the option to upgrade your storage space. You may only want a small site initially but if your site does well and you need more space you want to easily upgrade. You may also need extra bandwidth when your site gets more hits.

You may want even more, like a content management system which allows you to simple add, edit and delete your own content without any knowledge of html, php or any programming language. All you see is a nice user friendly interface with simple usability. At a fee some companies offer this software and it is a great and fast way of adding content to your website.

Maybe you want to sell products over the internet which will mean you will need an ecommerce website with a shopping trolley feature. This is all very good if you have the programming skills necessary to create this, but few of us do in reality. So to have this feature we need to pay for this. Some web design companies offer this although the price can vary.

So what happens once you have your eCommerce website with shopping trolley facilities and you have the hosting you seem all set but your getting few visitors. You may be wondering why no one is actually viewing your site. Well this is because of the vast amount of websites and competition out there. Site engine optimsation is a full time job in its self, I know I do it! You can pay a company or someone to do all the hard work for you but it takes times and the results may not be instant.

Finding a hosting company that offers all these things is a tough task. There are some though. A company that offers domain registration, web hosting, web design, optimization, 24/7 customer support and email is the ideal company.

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Mash Dvd Review

(category: Movie-Reviews, Word count: 616)
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Based on a Richard Hooker novel of the same name, MASH was released in 1970 as a full-length feature film by 20th Century Fox before experiencing widespread success as a groundbreaking television sitcom in the Fall of 1972. The show's brilliant integration of drama and comedy made it one of the most celebrated shows in TV history, culminating in an eleven year prime time series stint. The 1983 series finale of MASH made history as the program with the single largest audience in television history, beating out several SuperBowls and the fabled "Who Shot J.R." episode of Dallas. With the proliferation of new television mediums, it's a record likely to never be broken...

The sitcom is set in South Korea during American involvement in the Korea War (with M*A*S*H standing for "Mobile Army Surgical Hospital"). Buffered from the front lines by a mountain range and a minefield, the men and women of MASH were tasked with patching up wounded American soldiers. Unique to its genre, the cast of MASH was unusually large. Surgeons Dr. Benjamin Pierce (Alan Alda) and Dr. "Trapper" John McIntyre (Wayne Rogers) play the roles of excellent doctors who enjoy women and booze, while Dr. Frank Burns (Larry Linville) and Nurse Practitioner Margaret "Hot Lips" Houlihan (Loretta Swit) play foil to the two men's shenanigans (due to a contract dispute, Rogers' character was later replaced by Dr. B.J. Hunnicutt - played by Mike Farrell). The character of Frank Burns was also later replaced by Dr. Charles Emerson Winchester (David Ogden Stiers)...

Corporal Max Klinger (Jamie Farr) provides comic relief with his early attempts to procure a discharge by dressing in women's clothing, and Father Francis Mulcahy (William Christopher) adds flavor to a diverse cast of characters. Also rounding out the cast are Lt. Col. Henry Blake (McLean Stevenson), Corporal Walter "Radar" O'Reilly (Gary Burghoff), and Col. Sherman Potter (Harry Morgan)...

The MASH DVD offers a number of hilarious episodes including the series premiere in which Hawkeye Pierce and Trapper John McIntyre learn that their houseboy, Ho-John, got accepted to Hawkeye's alma mater. In order to raise money for Ho-John's trip to the United States, the two auction off a weekend pass to Tokyo with Nurse Dish and celebrate the college acceptance with a lavish party... Other notable episodes from Season 1 include "The Moose" in which a GI arrives at camp with a Korean female slave he purchased, and "Cease-Fire" in which the MASH camp prematurely celebrates a purported cease-fire which never takes place...

Below is a list of episodes included on the MASH (Season 1) DVD:

Episode 1 (The Pilot) Air Date: 09-17-1972

Episode 2 (To Market, to Market) Air Date: 09-24-1972

Episode 3 (Requiem for a Lightweight) Air Date: 10-01-1972

Episode 4 (Chief Surgeon Who?) Air Date: 10-08-1972

Episode 5 (The Moose) Air Date: 10-15-1972

Episode 6 (Yankee Doodle Doctor) Air Date: 10-22-1972

Episode 7 (Bananas, Crackers, and Nuts) Air Date: 11-05-1972

Episode 8 (Cowboy) Air Date: 11-12-1972

Episode 9 (Henry, Please Come Home) Air Date: 11-19-1972

Episode 10 (I Hate a Mystery) Air Date: 11-26-1972

Episode 11 (Germ Warfare) Air Date: 12-10-1972

Episode 12 (Dear Dad) Air Date: 12-17-1972

Episode 13 (Edwina) Air Date: 12-24-1972

Episode 14 (Love Story) Air Date: 01-07-1973

Episode 15 (Tuttle) Air Date: 01-14-1973

Episode 16 (The Ringbanger) Air Date: 01-21-1973

Episode 17 (Sometimes You Hear the Bullet) Air Date: 01-28-1973

Episode 18 (Dear Dad, Again) Air Date: 02-04-1973

Episode 19 (The Long-John Flap) Air Date: 02-17-1973

Episode 20 (The Army-Navy Game) Air Date: 02-25-1973

Episode 21 (Sticky Wicket) Air Date: 03-04-1973

Episode 22 (Major Fred C. Dobbs) Air Date: 03-11-1973

Episode 23 (Cease-Fire) Air Date: 03-18-1973

Episode 24 (Showtime) Air Date: 03-25-1973

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Credit Card Processing

(category: Credit-Cards, Word count: 413)
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It comes as a surprise how credit cards have found their way into our lives (and out wallet). Credit cards have gradually turned into becoming a necessity (rather than luxury). You can find credit card processing machines in almost all the shops today. With the advent of internet, online credit card processing has become popular too. 'Credit card processing' as such is a really interesting topic. This article tries to put into perspective the people, systems and the equipment that go into credit card processing.

First, let's check the equipments used for credit card processing. So, there are credit card processing softwares for online credit card processing, there are credit card processing machines (i.e. the credit card reading machines at shops), there are data verification/validation devices/softwares that verify the security information on credit cards, there are communication devices/systems that enable safe transfer of credit card information from one point to another, and then there are other credit card processing equipments like the credit card processing equipment that is used for the preparation of the actual plastic (credit card).

Then there are various service providers that provide services related to credit card processing. There are suppliers for credit card processing equipment and suppliers for online credit card processing services. Then there are postal and courier service that help deliver credit card bills in time. There are merchants/petrol-bunks etc which provide facility of payment collection boxes at their premises (another important aspect of credit card processing).

Besides that there are complete systems for processing credit card applications, there are systems for credit card bill processing/generation, there are people at call centres who help in addressing the queries from credit card holders and, very importantly, there are people (sales representatives) who help you in filling the credit card application forms. Another important entity with regards to 'credit card processing' process is the credit rating bureaus. Credit card bureaus maintain a database of credit ratings for individuals and businesses. This rating is based on the data received from various credit providers over a period of time. This rating is the most important part of credit card application processing and a bad rating can lead to rejection of the credit card application altogether.

Thus, credit card processing involves a coordinated effort from a lot of professionals and service providers. In that sense, we can also say that credit card processing is an industry in itself that has generated a lot of employment.

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Do You Want To Get Paid Just For Making Searches

(category: Internet-Business, Word count: 882)
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When you make searches, you are looking for something, which is something that we all do everyday. Well how about every time you make a Search, you get paid for it??

What a great way to earn money, but like me you are probably thinking, where is the catch?

Before we go any further, I am NOT talking about Google's and their Adsense program. Which is very good, but it requires other people to make the "clicks", and then it has to be on the advertisements that Google has placed on your web site. What Google does NOT do, it to pay you to make a Search! The Search Engine I am talking about DOES!!

How it works, is like this. This new Search Engine pays you, EVERY TIME you make a Search using your very own Search Engine Portal. So imagine, instead of using Google, MSN or Yahoo, or whoever you are currently using to make Searches, you use this new Search Engine. No real hardship, providing you get good results in your Search, it does not really matter.

It gets even better, it is not restricted to just you. They will ALSO pay you every time someone else searches on your personal Search Portal. So the more people that you can get to use YOUR search portal the better.

As editor of a large Article Directory, that currently has over 20,000 Articles, we receive hundreds of new ideas that arrive daily....but in this past week I have received two new articles, that have both made me sit up and take notice. This is the first of those, the other I will leave for a second article.

Every day many millions of searches are performed, admittedly over 80% of those searches are currently made by internet users that go through either Google, MSN or Yahoo, but none of them will pay you when you search, this new Search Engine does! Don't forget that it was only a few years ago when Google started, and the big guys said that they would not last.....but now look at how big they are.

This is how the new Search Engine works:

You have your own Search Portal, in the same way that you would Search though any of the big three. Although instead of using say Google, you Search via your own personal Search Portal. The results that they supply, are both quick, and also very good, and supplied in the same way that they would be with any other Search Engine, but here is the difference!

1/. They will give you $50 just for joining, no catch, your account is credit as soon as you join up with them.

2/. You then get the personal link to your very own Search Portal when you join, which you then use whenever you want to make a Search of the internet.

3/. They CREDIT your account every time you make a Search, using your own Search Portal.

Now the potential!

The Search Portal link is specific to YOU, so the idea is for you to get your friends, and maybe even business colleagues to also use YOUR Search Portal, after all it will cost them nothing, and they will get good results. The more people you can get to use your Search Portal the better....BECAUSE every time that it is used to make a Search by anyone using YOUR Search Engine Portal link, the Search company pays YOU!!

It progresses even further, it is completely Free to you, and you get the $50 sign up bonus mentioned above, but if your friends also sign up, they get the $50 bonus too, as do their friends, and their friend's friends!

So there must be a catch?

I have NOT found one, and I have looked at it VERY closely. In fact I think it is a great idea, I have actually tried it, and as promised my account credit increased as they said it would. I believe that it is a very novel idea and one that could really take off. It is totally free to use, it does not cost the users anything, and so as far as I can see it really is a win win situation.

The Search Engine I am talking about, is also a Pay Per Click Search Engine, so they DO want you to use the money you earn to buy Pay Per Click listings, but then if you have your own website, and you are accumulating money for Free just by making Searches, then it also means that you are getting your "clicks" for Free too. They also have paid Membership, which I understand allows you to take the money you earn in the form of Cash Commissions, paid twice monthly via PayPal.

From my point of view, it looks like a new way of getting free traffic to my website.

So finally if you do have a web site, or maybe plan to have one in the future, would like to promote it for Free, then this is something that you should really take a look at.

After all they could be the internet's next big player, and you are getting in on the ground floor!

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Three Inspirations For Happiness

(category: Happiness, Word count: 383)
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The following three inspirations were adapted from A Daily Dose of Happiness, and they represent three key ways to increase our happiness.


We like to think we are better than our friends below us in the food chain, such as the octopus and the snail. After all, we have love. We feel happiness. We have empathy. We have a conscience. We can reason.

We can also hold onto grudges.

Grudges are, in fact, prickly little creatures that worm their way into our hearts. Holding onto them is a self-defeating exercise.

Fortunately, forgiveness is also uniquely human. Forgiveness cleanses the spirit. Forgiveness let's us get on with enjoying our lives instead of being preoccupied with someone else's. Forgiveness opens the door to happiness.


When things seem to be very bleak, it does not take much to lift someone's spirits. Sometimes all it takes is to let somebody know they are not alone.

That is why it is so important to smile at people, especially if they look down. And if you know what is weighing the person down, let them know they are not alone. Don't go burdening them with all your miseries, but let them know you have been there.

Guess what? You will feel happiness for having helped them, too.


There is no such thing as happiness if you are not at peace with yourself. Too many people just don't know how to make peace with themselves.

Peace begins with acceptance. Whether we agree with everything we do (like the environmentalist who sometimes throws out a recyclable container), it is important to accept what we do.

Do we always make the best choices? No. But they are the choices we make.

Do we always treat people with the most respect? No. But it is how we treat people.

Can we improve? Yes, and we should. But that is a project for the future. First we must accept who we are now, rather than condemning ourselves. Then we can move to improve the person we will be tomorrow. Both acceptance today and improvements tomorrow will increase our happiness.

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Traveling To Costa Rica And The 3 Must Sees

(category: Destinations, Word count: 873)
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The amazing country of Costa Rica is full of so many natural treasures, that choosing what to see with the limited time you have while visiting, can be quite challenging. I have had the good fortune of exploring the entire country of Costa Rica, and have come up with the top three must-sees while you are visiting this paradise. Each one is unique in its own way, and all are sure to provide an unforgettable experience that you will always remember.

1. Nauyaca Falls and the Don Lulu Tour - This amazing set of waterfalls are located in between the surfing village of Dominical on the central Pacific coast and the bustling little city of San Isidro de General. The falls are privately owned and the best way to tour them is by taking the Don Lulu tour, which consists of a horseback ride to the falls and includes breakfast and lunch. The tour costs only $40 per person making it a great value. The tour begins on the highway where you mount your horse, and begin the 3 mile trek to the falls, stopping at the quaint tico-style home of Don Lulu for a typical Costa Rican breakfast of fresh fruit and gallo pinto(beans and rice). After breakfast, it's back on the horse for the short trip to the entrance to the falls. After a fairly steep descent down a hand cut stairway, you arrive at one of the most amazing natural attractions in all of Costa Rica. The falls consist of two levels with the upper falls towering over 500 feet and the lower falls consisting of a wide cascade of over 100 feet that plummets into an idyllic 30 foot deep pool. Your guides on the tour will be more than happy to help you climb up into the lower falls for a once in a lifetime leap of faith into the refreshing pool below. After a few hours swimming and relaxing next to this Costa Rican treasure, it's a short but strenuous climb back up the staircase to your waiting mount. A wonderful lunch is served at Don Lulu's and then the tour concludes back at the highway. The rest of the day is spent reflecting on the wonderful experience had by all.

2. Volcano and Lake Arenal - Volcano Arenal towers over Lake Arenal in the north central region of Costa Rica. It is the most active volcano in Costa Rica with daily eruptions, and vibrant glowing lava shows that can be enjoyed at night. The volcano last had a major eruption in 1968 when it buried the old town of Arenal in ash and soot. The Costa Rican government has since flooded the area where Arenal used to be to create Costa Rica's largest lake, and submerging this once lively village in hundreds of feet of water. The lake is home to some of the best rainbow bass fishing in the entire world, and there are many local guides that will take you to the best spots. In addition to the world class fishing on the lake, Lake Arenal is also internationally known for its windsurfing. There are many types of accommodations in the Arenal area ranging from five star resorts like the upscale Tabacon Hot Springs Resort to small rooms for the budget minded traveler. There are some wonderful canopy tours in the area in which you can spend a day zipping down a cable over the rainforest canopy below. The Arenal area is truly an amazing piece of paradise where you can enjoy the sights and sounds of an active volcano looming over a picturesque lake. Truly a must-see in this spectacular country.

3. Manuel Antonio National Park - The crown jewel of Costa Rica's national parks, Manuel Antonio is without a doubt a must-see on your visit to Costa Rica. Located just south of Quepos on the central Pacific coastline, the park is only a few hours from San Jose making it very accessible. Manuel Antonio is a very small park in relation to the other parks in the country, but it attracts more visitors per year than any other park. The park has pristine powder sand beaches back dropped by lush emerald green mountains that plunge into the deep blue Pacific. Manuel Antonio has become so popular that the park director has had to limit the number of people allowed into the park to 600 on weekdays and 800 on weekends. It's no wonder that people are lining up to get in to this amazing place, as on any given day you can spot 3 different species of monkeys, sloths, marmosets, ocelots, river otters, pacas, and speckeled caimans as well as, 200 species of birds. The beaches at Manuel Antonio are often considered the most beautiful in all of Costa Rica. Manuel Antonio was actually discovered by Ponce de Leon in 1519 on his quest for the fountain of youth, and while he may have never located that particular fountain, it appears he had stumbled upon the garden of Eden. This place will leave you breathless and with unforgettable memories about the beauty of Costa Rica. A definite must-see on your visit to paradise.

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Canadian Mortgage Rates

(category: Mortgage, Word count: 551)
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In today's market, renters and even homeowners in Canada are seized by the desire to save enough funds for down payments. The reason is simple. Canadian mortgage rates are going down and real estate prices are in full swing.

To cover the heavy demand for more mortgages, lenders have adapted flexible techniques, like lowering down their Canadian mortgage rates and coming up with new products all the time.

A traditional Canadian mortgage rate would be a loan requiring the buyer to put down 20 per cent of the property's value in cash. Such a Canadian mortgage rate requires a big amount of money but the benefits are great.

Look around for low Canadian mortgage rates

Shopping around the Canadian mortgage rate market can cut down your down payment costs. With a little research, buyers can even access the posted Canadian mortgage rates and interest rates of large banks and get them for less, about one percentage point or sometimes more.

For instance, the Canadian brokering company in Montreal, Multi-Prets Hypotheques is currently offering their customers a five-year Canadian mortgage rate of 5.1 per cent. This is low compared to other banks posted Canadian mortgage rate of 6.5 per cent. This allows consumers to save thousands of dollars in Canadian mortgage rates and interest rates alone over the life of their loan.

Lower down Canadian mortgage rate with CMHC loans

Another way to lower down Canadian mortgage rates and minimize the amount of cash you put down is to get a Canada Mortgage and Housing Corporation (CMHC) insured mortgage. A CMHC-insured mortgage can reduce the Canadian mortgage rate and down payment to 5 per cent. That Canadian mortgage rate is 20 per cent lower than traditional mortgage loans.

With a CMHC-insured mortgage, you get a loan that is like most other loans except that you get insurance from CMHC on the additional loan amount, which is the difference between the traditional 25 per cent Canadian mortgage rate and the actual payment you put down. Getting a CMHC insurance involves only a one-time payment with Canadian mortgage rates varying between 1 per cent and 3.25 per cent of the total loan, depending on the amount of cash put down.

Low Canadian mortgage rates with non-standard mortgages

Reducing your Canadian mortgage rate can also be achieved by opting for non-standard mortgages. Aggressive financial market players like Toronto's Xceed Mortgage Corporation offer incredibly low Canadian mortgage rates and minimum down payments.

Getting a non-standard mortgage is perfect for people who have large earning powers but few capital resources. Because they have few assets to back them up, lenders might up their Canadian mortgage rates when they apply for loans. For instance, an entrepreneur whose assets are mainly invested in her business wants to apply for a loan. Her chances of a getting a low Canadian mortgage rate for a traditional loan is less compared to getting a reduced Canadian mortgage rate from a non-standard mortgage.

Lenders of non-standard loans will cover the entire purchase price of your house, leaving you to save a lot on high Canadian mortgage rates and a large down payment. However, lenders will only provide financial backing if your total monthly financial commitments (debt, interest, taxes, etc.) are no higher than 40 per cent of your monthly income.

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