Health Insurance In California
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The Truth Behind Processing FHA Insurance Refunds
by: Thomas Tuke
Unlike the flood of Work from Home opportunities such as envelope stuffing, filing medical forms, processing emails or MLM schemes that promise “get rich over night”, processing FHA mortgage insurance refunds is a real job as a work from home business. The power of the Internet in locating the refund recipients has made this opportunity even more appealing.
Processing FHA insurance refunds is a real job that was originated by the Federal Government to assist them in finding and returning unclaimed mortgage insurance refunds to individuals who once had an FHA mortgage insurance policy when they purchased their home. This FHA insurance premium could have cost the homeowner up to 2.5% of their loan amount at time of purchase. However, this insurance terminates if homeowner paid off their mortgage early, sold their home or refinanced their home with a non-FHA loan.
As a result, the homeowner maybe due a prorated amount of the insurance premium as a refund. By the time HUD/FHA discovers or is informed to terminate the FHA insurance policy, the homeowner likely has moved on. The Government attempts to contact these homeowners by mail to return their refund, but with limited success. As a result, there are more than 100,000 individuals who are due FHA insurance refunds totaling over $120,000,000 and growing.
Admittedly this opportunity has gotten a bad rap from a number of companies and individuals who have abused this opportunity in the following manner.
- Claim or advertise themselves as an Official Representative of HUD/FHA.
- Mislead people in that as a Tracer one works for HUD/FHA and will be paid
by the Government.
- Present themselves as an employment agency that has a job available. For
a finder’s fee, the individual will be merely sent a few forms and how to
contact HUD/FHA.
- Many have re-scripted material for supposed Manuals but are not Unclaimed
Asset professionals. Plus they offer no support.
- Resell or offer outdated copies of unclaimed cases. HUD updates the states’
lists of FHA unclaimed insurance refunds each month.
Good luck to all. This is just one of a number of viable Work from Home Opportunities one can be successful with effort and organization.
About The Author
Thomas Tuke is owner of American Refund Services specializing in the recovery of all types of unclaimed property, assets and refunds nationally.
For details visit:
http://www.AmericanRefundServices.com/
http://www.Asset-Recovery-Services.com
info@americanreundservices.com
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International Travel and Health Insurance
David M. Schmader
Embarking on Your Dream Vacation
Are your Plans Complete?
Your bags are packed, passport and papers in order and you couldn’t be in a
higher state of excitement preparing for travel to that wonderful, exotic location.
This is the vacation you have planned it seems forever. As you sit on the plane,
you and your partner discuss for the hundredth time the scuba diving you will
do, the awesome rock climbing and hikes into the rain forest. Everything is
perfect!
Life seldom gets better than this.
Despite all the excitement of travel, Americans do have some concerns.
According to a survey by the Chubb Group, more than 70% of Americans surveyed
said their greatest concern when traveling is suffering a medical emergency...more
than double the fear of being mugged (30.7%), three times the fear of being
injured in a terrorist attack (23.4%).
What happens if a medical emergency arises when traveling overseas?
Many people assume that while they are out of the U.S. or Canada they will be
covered by their standard medical plan. However, most traditional health insurance
plans are not designed for international travel.
According to the U.S. Department of Commerce, approximately 27 million travelers
board U.S. airlines for overseas destinations and almost 26 million foreign
travelers come to the U.S. each year. However, many are not prepared for a medical
emergency abroad.
Most traditional health insurance plans would not cover an unexpected illness
or injury during international travel. But travelers with international medical
insurance would have protection for scenarios ranging from a local ambulance
trip to an emergency evacuation for care at the nearest qualified medical facility.
Some even offer repatriation flights out of the country where the traveler is
located back to the US.
Available plans can cover individuals or groups for specific periods of time
abroad and can be in effect should they be stationed abroad for an extended
period of time. There are policies for corporations to insure their personnel,
plans to cover missionaries who are on an outreach program and for those participating
in extreme sports. International travel medical insurance should be considered
for anyone traveling or living abroad.
©David M. Schmader, Solon, Ohio January, 2005
www.brownschmader.com
About the Author
David Schmader is an independent broker agent located in the Cleveland Ohio suburb of Solon, Ohio. With over 25 years of corporate finance experience he specializes in serving the individual, professional and small business markets.
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