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You can learn a great deal from others experiences. As my husband and I went through our sailboat buying experience I documented every step of our long and often times, frustrating journey. Tim has over 25 years experience as a commercial crab fisherman and journeyman ship fitter and I have a talent for researching and investigation from my former career as a real estate agent. Due to our back grounds in vessels and in sales, we think we have collected some very helpful information that you may never hear from the average sailboat buyer, or seller. In this book you will discover where we found much of our information and many other things we did along the way to successfully make our dream a reality. You will learn a little known purchasing strategy that could save you hundreds or even thousands of dollars. You will also discover how to contact the seller directly on any vessel you look at, a few creative ways of finding good deals if you are interested in a project boat, how to thoroughly inspect a vessel to locate major issues before you hire a surveyor, and much more! Our experiences were not always pleasant but we persevered and now we are living our dream. This little book is a small investment that could give you the winning edge as you look for and buy your vessel.
A comprehensive guide designed to help consumers understand the American health insurance system so that they can obtain the benefits to which they are entitled. Epstein explains the ins and outs of both new and traditional health insurance plans, including traditional individual and group policies, HMOs and other types of managed care plans, self-funded plans, Medicare, Medicare HMOs, Medigap, long-term care, COBRA, CHAMPUS, and Medical Savings Accounts.
Written by a nationally syndicated columnist, this useful volume also deals with special health insurance issues related to children, adults with special needs, and individuals who may need long-term care. In addition, Epstein provides valuable information for individuals who are in the process of changing jobs or making changes in their marital or family status, choosing a health insurance plan, or arranging long-term care-including placement in a nursing home or an assisted-living facility-for an aging parent. The book has a practical focus with a variety of tables and worksheets to help consumers establish a system for preventing health insurance problems, and for dealing with any health insurance problems that may arise. It also contains answers to common questions about health insurance, and provides a list of organizations that offer detailed information and advice in regard to specific health insurance problems.