Planning A Trip Outside Canada? A Travel Tip You Simply Can’t Afford To Ignore

Your holidays are booked, your bags are packed and you think you have everything you need–money, passport, tickets, and clothing for every occasion. What more could you possibly require?For almost 41% of Canadians who do not always travel with it, the answer is emergency medical travel insurance. Whether simply forgotten or deemed unnecessary, the fact is that travel health insurance should be a must-have before you leave the country.When you are away from home even the most minor injuries or illnesses can become a major expense. So while an accident or illness can happen anywhere at anytime, emergency medical travel insurance helps to protect you from the unexpected costs that can come with a visit to a doctor or hospital outside of your home country.Consider for example the following estimates: A stay in a US hospital typically costs about $2,500 Canadian per day. Even more shocking is that if your condition is serious and you require intensive care, it is not uncommon that you would end up paying about $10,000 per day.If you’re not worried about the costs, because you believe your province’s health insurance plan will cover it, make sure you look into your province’s coverage first. You may be surprised to learn that if your province’s health coverage does extend outside of Canada it will likely be limited.For example, if you are an Ontario resident travelling outside of Canada you will be covered for emergency care from a physician but only for as much as that service would have cost in Ontario. And, if you need to stay in a hospital to receive emergency services you are covered up to $400 per day for intensive, complex care. If it is less intensive, the maximum is $200.Why risk it, when emergency medical travel insurance is so inexpensive?
There’s a good chance you’ve spent hundreds, if not thousands of dollars on your trip. For a few extra dollars, you can protect yourself by ensuring you get the attention you need, when you need it while not having to worry about how your emergency treatment will get paid.The following travel health insurance quotes can be found easily online and show how little emergency medical travel insurance actually costs:o For travellers aged 16 to 40 years, emergency medical travel insurance is available for as little as $15 for a 2 week trip–or for as little as $26 for an annual travel health insurance policy that covers you for every 2 week trip you take in a year.o For travellers aged 41 to 55 years, emergency medical travel insurance is available for as little as $15 for a 2 week trip–or for as little as $27 for an annual travel health insurance policy that covers you for every 2 week trip you take in a year.o For travellers aged 56 to 59 years, emergency medical travel insurance is available for as little as $21 for a 2 week trip–or for as little as $28 for an annual travel health insurance policy that covers you for every 2 week trip you take in a year.Quotes are for single and annual trip emergency medical insurance for a resident of Ontario travelling overseas or to the US.Without emergency medical travel insurance, an illness or injury could not only ruin your vacation but would likely have financial consequences for years to come. Why risk it when emergency travel health insurance costs so little and can save you so much? Not to mention the peace of mind it will give you knowing you’re covered.Don’t leave home without travel health insurance. Compare emergency medical travel insurance quotes online today and get the coverage you need for your travels. It is a travel tip that could save you thousands of dollars.

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Real Estate Investing – Utilizing Online Resources

Have you ever considered investing in real estate? There’s no doubt that real estate investing can be very lucrative, but it’s also important to realize there are risks involved. The more you know about potential pitfalls, the better your chances of avoiding them. One of the best ways to learn about property investing without spending loads of money is to check out real estate investing online.Once you start looking around, you’ll discover there are thousands of sites dedicated to real estate investing online. You can find hints, tips, ideas and advice, as well as learn about all sorts of strategies for investing in property successfully. Many sites also contain the personal stories of investors and their deals, giving you the opportunity to learn from both their successes and failures. Although it’s important not to get so bogged down in learning that you never start your own real estate investing journey, it’s certainly a good idea to get an understanding of property investing before you put your own money on the line.The types of real estate investing sites online fall into a few broad categories. There are general information sites, which give you an overview of real estate investing and some general information. Other sites are dedicated to specific investing strategies, such as “no money down”. Some sites run by real estate companies can also contain a lot of useful information for investors. Finally, there are sites run by property investing experts, some of which have plenty of free information to get you started, while others require you to buy a course or attend a seminar.Unfortunately there are plenty of real estate investors who take the plunge and start buying property without really understanding what they’re doing. Nobody can ever give you a guarantee that an investment will be a success, but certainly learning a lot of the do’s and dont’s studying real estate investing online helps to tip the balance in favor of you being successful.It’s important to be positive and confident when investing in property, and knowledge helps you to feel that way. So don’t put off your investing career any longer. Visit a search engine, type in “real estate investing” and get started today. It’s a fascinating journey that can also be very exciting and lots of fun. Enjoy the journey!

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6 Ways to Improve Special Education For All Children With Special Needs!

Are you the parent of a child with autism or another disability that is frustrated by the special education system? More than 6 million students with disabilities receive special education services in federally funded special education programs. This is about 9% of the country’s school age population. This is a lot of children who depend on the Individuals with Disabilities Education Act (IDEA), to help them get the services that they need to live a fulfilled life. As any parent of a child with a disability knows much improvement needs to be made to the special education system. This article will discuss 6 ways to improve the special education system.

Needed to improve the special education system:

1. More available parent training and more resources to pay for the training! Parent trainings are available but in most cases do cost, which prevents some parents from attending. Parents must understand their rights under IDEA in order to be effective advocates for their child.

2. More effective enforcement of IDEA, to include the withholding of funds from states and school districts, who are continually non compliant! The enforcement of IDEA basically does not exist. It is the federal governments responsibility to enforce IDEA to the states, and it is the states responsibility to enforce IDEA of local school districts. Neither one does very much in this area. Enforcement without withholding of funds will not work. In my experience it will not take many states losing their IDEA funding, before major positive changes will occur.

3. Improved diagnosis of disabilities and an easier eligibility process! Many children with disabilities throughout the US are told that they do not have a disability, therefore are not eligible for special education services. This reality hurts children with disabilities and may forever ruin their lives! Parents often do not even know that they can disagree with the schools opinion! The eligibility process needs to be made more child friendly!

4. Special education personnel must set realistic high expectations for all children with disabilities! Congress has said from the beginning that school districts expectations of children with disabilities are too low. School personnel and parents must believe that children can be successful in their education and lives, if given an appropriate education, and keep expectations high.

5. Focus on outcomes of special education so that all children will be ready for post school learning and independent living! For the year 2005-2006 55% of children with disabilities graduated from high school, in comparison to a little over 70% of children without disabilities graduated from high school. This will limit the children’s ability to go to college or get a job, which will affect the rest of their lives!

6. Improve the federal funding of IDEA! The current estimates are that the federal government only pays about 17% of per pupil costs for special education. The federal government needs to put their money where there mouth is, and fund IDEA fully!

All parents can be involved in advocating for systemic special education improvements. Notify your state and federal representatives and see how they are willing to get involved, in this process. Children with disabilities deserve to receive an appropriate education and live their lives to the fullest!

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