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Your information submitted is kept confidential. It is never sold or shared with other life insurance agents or third parties.

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Many people over 65 years of age think obtaining life insurance coverage is not possible. That is not the case. Depending on your health status and lifestyle, you can still get affordable rates on term life insurance.

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Examples of Life Insurance Costs

You may be wondering how much does a typical policy cost for a senior – here are some examples of average level term life insurance premiums for those over sixty five years of age.

Shown: Monthly premiums for a 10 year term policy for a non smoker woman in good health at different ages 65+.

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As a 65 year old senior, you may still be working full time and leading a healthy life full of possibilities. If you are in good health, you should still expect many productive years ahead of you, working and saving money for your loved ones, since people are living much longer lives these days.

Life insurance can safeguard your loved ones from money issues in the event of your death. When you reach age sixty five and over, unfortunately, you start thinking about your own mortality and the real possibility you may not be around much longer. This is the time to think about your immediate family and their financial well being.

My customers often ask me questions like: Can you buy life insurance after 65 years of age? ; Can I get life insurance over 65 ; Isn’t sixty five and over too old to get life insurance? – I tell them, NO, people nowadays can get a policy into their eighties. It all depends on your health and if you live a risky lifestyle – you smoke, drink too much, etc.

Are you over 65 years of age or older?


Cost of an Electrician – Estimates and Prices Paid #electrician, #electrician #cost, #electrician #prices, #shop #electrician, #electrician #costs, #electrician #price, #cost #of #electrician,how #much #electrician #cost, #average #cost #electrician


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Electrician Cost

  • Although there are still a few low-cost areas where electricians work for $30-$50 an hour, typically they charge $50-$100 an hour or more depending on local rates and their qualifications. Some electricians quote a flat fee per job rather than an hourly rate, depending on the scope and type of work to be performed. There may also be a minimum $50-$150 service charge to come to the house and evaluate the problem. Total cost for hiring an electrician will depend on the type of work done.
  • Adding an electrical outlet typically starts at $60-$125 to replace an existing standard outlet with a GFCI (ground fault circuit interrupter) receptacle; can be $150-$250 for running a new 120V circuit off the electrical panel; and $300-$800 for installing a new 240V circuit on the main electrical panel.
  • Upgrading an electrical panel typically costs $800-$1,200 to change an existing panel to 100 amps, or $1,500-$2,000 for a new panel. It can cost $1,300-$3,000 to upgrade to 200 amps and $2,000-$4,000 for 400 amps. Expect to pay $500-$1,000 for installing a new sub-panel.
  • Average total costs for rewiring a house start at $3,500-$8,000 for a moderate-sized home with easy access to the crawlspace and attic, but it can cost $8,500-$30,000 or more for rewiring a large house and/or one with difficult access.
  • A wide variety of projects might require the skills of a licensed electrician. For example, hiring an electrician to install an electric baseboard heater can cost $125-$300 (not including the heater); and expect to pay $100-$250 to have an electrician install a wall-mounted towel warmer. Installation of recessed lighting in a ceiling that’s already torn open for remodeling typically costs $50-$200 per light; installation of recessed can lights designed to fit in a small opening can cost $100-$200 each, or more if access is limited. And it can cost $400-$1,000 to install a power transfer switch on a home’s main electrical panel to make it possible for a portable generator to power several circuits with a single extension cord.

Related articles: Adding an Electrical Outlet. Rewiring a House. Upgrading an Electrical Panel. Recessed Lighting. Construction

What should be included:

  • HomeTips.com describes and illustrates two types of standard residential electrical outlets [1 ] and a typical residential electrical panel [2 ]. HomeTime.com provides a glossary of electrical terms [3 ] to make it easier to compare quotes or to understand what’s needed in a given situation.
  • Extensive electrical work may require a building permit; check with the local planning/zoning department for specifics. All wiring must meet the National Electrical Code [4 ]. but local building regulations can also affect the scope and cost of a large electrical project (for example, rewiring a house).

Shopping for an electrician:

  • Evaluate the electrical work to be done. Be clear about what is needed, and why. Then ask for electrician recommendations from family, friends, co-workers or neighbors, or at the local home improvement center or hardware store. For a large or complex project, search for a member of the National Electrical Contractors Association [5 ] .
  • State and local licensing levels indicate the electrician’s qualifications. Specifics vary by state, but someone certified and licensed as a residential wire electrician, residential appliance contractor or maintenance electrician may have less training and experience than a journeyman electrician or a master electrician — the latter typically has the most experience and has met the most stringent level of licensing requirements. Ask to see the electrician’s license and proof of insurance, and check with the state licensing board [6 ] to be sure the license is current.
  • Get several estimates, check references and ask about training and experience. Search for any complaints with the Better Business Bureau [7 ] .
  • Ask if all work will be done to code. The electrician should provide a written estimate listing the work to be done, materials used, cost, payment schedule, start date and estimated completion date. The Florida Power and Light Company provides a checklist for hiring an electrician [8 ] and the National Electrical Contractors Association gives guidelines [9 ] for choosing an electrical contractor.

I have over 20 years experience in commercial, industrial,and residential. Why do people think we should only charge as much ad a land scaper. I don’t feel at all ashamed to charge 100. Or more per hour. All the school and field training we as electricians have to go through. People have no idea. Most people think you just hook up some wires and your all set. There is a whole lot more to it. Maditory 21 every three years code updates. suck! Funny people with electrical problems wont fix them until they break. If they have a leak in their pipe and water is coming in they call a terd herder and dont even question how much he just charged. Or if they have a gas water heater and it is shot. They don’t care what it cost. they juat pay it. If its an electric heater and the pumber just charged 125.00 an hour they expect to pay the electrician 25 an hour. Yeah sorry that will be 125.00 plus material. People need to wake up and start to realize Electricians are not over rated painters.

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Air Conditioning, Refrigeration and Furnace Replacement Parts

Find your OEM HVAC replacement parts online! Technical Hot and Cold supplies North America with air conditioning, furnace and chiller parts online for Carrier, Lennox, Goodman, Trane and others. With expert technicians online and over the phone, Technical Hot and Cold can help you select the right part the first time with same day shipping on most items.

We Carry Carrier, Lennox, Goodman and Trane Replacement Parts

Technical Hot & Cold’s mission is to provide genuine HVAC replacement parts, helpful customer service and parts knowledge along with competitive pricing to customers across North America. Our customer service team is comprised of experienced technicians with extensive knowledge of the heating and cooling products offered on our site. We can cross reference model numbers and make the parts process simple and reliable. Browse our HVAC parts catalog to find the part you need or call us at (888) 828-8317.

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EKG Cost

An electrocardiogram, also known an EKG or ECG, is a test that examines heart conditions by measuring the heart’s electrical levels. Electrodes are placed at several points on the body to transmit electrical impulses which create line patterns on paper. A technician typically performs the test and a doctor or specialist interprets the wave chart created by the test. The test is painless and generally takes less than 15 minutes to complete.

  • Typically, there are two costs associated with an EKG — the cost of the procedure itself and the cost of the analysis of the readout.
  • Patients with medical insurance that covers a portion of the cost of the EKG, can expect to pay $30-$100 in copays for both the test and the analysis of the test. For example, Harvard Pilgrim Health Care [1 ]. which serves patients in Massachusetts, charges its members $32-$54 for an EKG and interpreting the results.
  • Uninsured patients can expect to pay $500-$3,000 total for an EKG. An EKG averages $1,500, according to NewChoiceHealth.com [2 ]. but some locations charge as high as $2,850. Typically, prices are higher for services in metropolitan areas, than in smaller rural communities.

Related articles: Stress Test. Heart Rate Monitor. Health Insurance

What should be included:

  • Typically, patients undergoing an electrocardiogram lie flat on a table with electrodes attached to points on the chest, arms and legs. Sometimes a paste or a gel will be used to attach the electrodes and improve the conduction of the electrical impulses. The electrodes are attached to an EKG machine which tracks the electrical activity and traces it on paper.
  • WebMD [3 ] explains in detail how the EKG procedure is performed.
  • The National Heart Lung and Blood Institute [4 ] provides information on what to expect before, during and after an EKG is performed.

Discounts:

  • Health insurance may cover some or all of the cost of the EKG. Generally, insurance will cover 80%-100% of EKG testing. Contact an insurance provider for coverage specifics.
  • Some school athletic programs give student athletes EKGs to test heart health. The Cypress Project, which works to reduce the cost of EKGs for student athletes, tracks several high schools [5 ] in Texas with EKG machines. The schools charge student about $3 for the electrocardiograms.
  • Some physicians and hospitals offer discounts of up to 35% to patients who do not have health insurance. Washington Hospital Healthcare System [6 ]. located in California, offers a 35% discount for uninsured patients. The hospital also has a financial assistance program for qualifying uninsured patients.

Shopping for an ekg:

  • The Heart Rhythm Society provides a searchable directory [7 ] of cardiology professionals.
  • The American College of Cardiology offers an online locator of cardiology specialists.
  • Smart Heart Living, an informational website, offers tips on shopping for a cardiologist [8 ] .

Material on this page is for informational purposes only and should not be construed as medical advice. Always consult your physician or pharmacist regarding medications or medical procedures.


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  • Cost of a Baby Sitter – Child Care and Expenses #baby #sitter, #baby #sitter #cost, #baby #sitter #prices, #shop #baby #sitter, #baby #sitter #costs, #baby #sitter #price, #cost #of #baby #sitter,how #much #baby #sitter #cost, #average #cost #baby #sitter


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    Baby Sitter Cost

    • Multiple children, long hours and baby sitters hired to work on holidays will increase the cost. It’s not recommended to ask baby sitters to perform additional duties, such as cleaning the house.
    • BabySitters.com [2 ] recommend adding a tip to the regular hourly pay to encourage the sitter to make your family a priority.

    Discounts:

    • According to BabyCenter.com [3 ]. some parents organize a baby sitting co-op — a trade instead of paid service — in which they take turns watching each other’s children.
    • Sometimes families will pool together to hire a baby sitter for the night.

    Shopping for a baby sitter:

    • Because costs vary by region, parents should ask other parents in their area what they normally pay their sitters, and what they pay for extras such as multiple children, long hours, late nights, and holidays.
    • The nonprofit organization Safe Sitter [4 ] says parents should pay according to experience. They recommend finding a sitter who likes children, is trustworthy and competent. Sitters should know basic first aid, how to care for a choking infant or child, and how to call for help in an emergency. Parents should always check references.
    • According to BabyCenter.com [5 ]. word of mouth is a good way to gather names of teens and adults in your area who like to baby sit. They also recommend checking your local Yellow Pages for a local baby sitting agency.
    • Sites that charge a fee, such as BabySitters.com [6 ] (which offers a three-month subscription for $30), SitterCity.com [7 ] (with an annual plan of $8 per month and free registration or a monthly plan of $10 per month and $40 registration) and 4Sitters.com [8 ] (with a one-time setup fee of $35 plus $7 per month) offer a search by zip code feature to help connect parents with desirable baby sitters.
    • Church, senior center and school bulletin boards, and online resources like Craigslist [9 ] are additional ways to search for baby sitters in your area, but be sure to do a thorough reference check.

    Material on this page is for informational purposes only and should not be construed as medical advice. For medical decisions, always consult your physician for the right course for your infant or child.