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After the recent election it’s pretty easy to say that health care reform is in for a whole new round of fighting. As soon as the Republicans gained control of the House, incoming House Speaker John Boehner tossed down this gauntlet: Republicans will work to repeal President Obama’s health care law.

Will your healthcare plan change?

So now what? The GOP doesn’t plan to completely kill health care reform, according to a story in USA Today, but it does want to toss Obama’s plan and create what it calls “common sense reforms designed to lower health care costs.”

But as we all know, talk is cheap, and while it’s fairly certain we’ll see some changes to the current health care reform laws, it’s not going to be overnight.

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The World Wide Web has changed our lives so much easier in many ways. We can now be ordered from the comfort of our homes, our bills online and keep in touch with friends and family online. Another major advantage of the Internet is provided that we can apply for online payday loans from our computers at home. Online payday loans or short term loans were initially only ‘bricks and mortar “banks, leading us to a bank, you can contact a lender and discuss the reasons for the loan was necessary provided it is needed. Now we are in the state for online payday loans from home to use at any time of day or night, seven days a week. The

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As the mercury plunges the number of claims regarding burst and frozen pipes has rocketed, Lloyds TSB Insurance has stated.

The insurer has seen such claims increase sevenfold, with 5% of home insurance claims relating to burst/frozen pipes, and is urging homeowners to take steps to reduce the risk of suffering such problems.

Burst pipes can cause serious, extensive and expensive damage to homes, damaging structures and electrical wiring.

The risk is unlikely to diminish in the near future with the Met Office issuing a series of severe weather warnings throughout the country, particularly in Scotland and North-east England.

Lloyds TSB Insurance’s Tim Downes has stated that the average cost of repairing a burst pipe is £2,000, a hefty sum which is well worth taking precautionary measures to avoid.

The insurer advocates insulating lofts, pipes and water tanks, and leaving the heating on low to prevent freezing.

Homeowners should also know where their water stop tap is, and how to turn off the mains supply if necessary.

Home insurance is not the only type adversely affected by the winter weather, with AA Insurance reporting a spike in car insurance claims of 23%.

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Five Taiwanese companies are bidding for US insurance giant AIG’s local unit, Nan Shan Life, with offers of between two and three billion US dollars, the bidders and media said Saturday.

Chinatrust Financial, Fubon Financial, Cathay Financial as well as a consortium of Ruentex Group and Pou Chen Corporation were among the bidders, said the Economic Daily News, citing unnamed sources.

The fifth — a surprise inclusion — was the Goldsun Group, which was said to be working with Hong Kong-based Primus Financial Holdings, whose previous bid for Nan Shan Life was rejected by local authorities, the report said.

The companies were offering between two and three billion US dollars. Chinat Read more…

After your children are grown, and if you’ve been lucky enough to hang onto and grow some of the money you’ve made, you can finally think beyond your immediately needs.

You can think about whom you may want to help, and how. Or maybe you’re looking ahead to the time when you’ll have this financial freedom. Either way, having a financial plan — a strategy for reaching your financial goals — is key, to building wealth and being prepared to put a plan into action at the end of your life.

Life insurance as a financial planning tool

One of the tools that you can use in financial planning is life insurance.

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Home and contents insurer Hiscox is advising home owners to be on the look out for burst pipes.

When the snow and ice begin to thaw leaks caused by burst pipes may become more noticeable, as water leaks into the property.

Hiscox home insurance expert Austyn Tusler explained that the unusually early onset of freezing conditions may have caught homeowners off-guard, and warned that there was still a long winter ahead of the UK.

If left, a leak can cause damage to a home’s structure, electrical wiring and belongings and catching them early saves not just money but also reduces the damage incurred.

Leaks can be identified by damp spots on ceilings and walls and if a tap is turned on and no water comes out (in which case the water supply should be turned off and a plumber called immediately).

Homeowners should also check exposed pipes and isolated areas such as lofts.

Earlier this week the Association of British Insurers (ABI) warned that frozen and burst pipes could cost as much as £650m, and urged homeowners to either keep their heating on or (if they are away for a porlonged period) draining the cold water system.

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