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Finance > Insurance > Home InsuranceThe Future Of Home And Commercial Propane
Posted by thompsongas in Finance on January 13th wholesale nike air max , 2014


Recently, we’ve heard more and more discussionsabout the depletion of natural oil reserves and, as a direct result of the increased awareness, more and more companies are turning to green energy as an alternative. The main reason behind this change is purely pre-emptive and borne out of apprehension or fear that the present reserves of natural gas wholesale air max 2019 , including propane,will soon run out. While that may be true, one thing everyone seems to agree on is the fact that the same reserves are not likely to run out anytime within the near future — itcould be decades before any such impact is felt. This is why manycompanies still rely on commercial propane, even though it would seem wiser at first glance to start shifting towards other sources of energy.


Many companies still rely on commercial propane gas and other natural oil products wholesale air max china , at least for their short-term objectives,because propane prices are more competitive than other energy sources. Even though the long term costs associated with other green energy sources like solar energy might seem lower compared to propane prices, the initial, short term costs of setting up the former are simply too high.Most companies would rather go on paying what they do already than pay a lot right now in the hopes of paying less in the future.


Propane for home is a more common phenomenon compared to commercial propane wholesale air max shoes , perhaps an indication that home propane users are not as worried about the future of this energy form. And, the truth is they really don’t have to be. Home propane accounts for a much smaller proportion of the total natural gas consumption all over the world. It is among the last alternatives likely to suffer in the unfortunate event that natural oil reserves ever deplete as has been predicted time and again. So, it doesn’t make much sense to adopt a more expensive alternative like electricity when you probably could go your entire lifetime without having to make the switch.


The primary reason many U.S. homeowners buy propane is heating and home heating propane. However, most people do not know that they don’t always have to buy the gas directly in that form from the LPG gas suppliers. A cheaper alternative to this exists in the form of oil to propane conversion.


About the Author:


This article was written by Krista Scarlett wholesale air max , communications specialist for ThompsonGas. The 16th largest retail propane company in the U.S., ThompsonGas has been family owned and operated since 1946. The propane gas dealer provides cheap propane for residential and commercial propane gas service to customers across 10 states in the East and Southeast.


If you have a life insurance policy to protect your family if you die you may not have thought about writing it in trust. As a result your family could end up paying more inheritance tax on your estate and have to wait longer to receive the money from the policy.


Writing your life insurance in trust is normally a straightforward matter of filling in a form when you take out the policy and there is normally no charge for setting it up. However once written in trust this may be difficult to change.


Why you Should Write your Life Insurance in Trust?


With a trust you can decide before you die who is to benefit from the life insurance and how much they will receive. This is separate from your will and can mean that the money is paid out more quickly and can mean less tax to pay.


If you don’t write your life insurance in a trust it could mean that your family will have to pay inheritance tax on the amount the policy pays out when you die. When you die the value of your estate is added up and if it is above a certain threshold (£325,000 in 2010 to 2011 per person) your family will have to pay inheritance tax of 40%. If you are married or in a civil partnership and you die after your partner, you are allowed to use both your allowances as long as it wasn’t used when your partner died - meaning £650 http://www.wholesaleairmaxshoeschina.com/ ,000 is free of inheritance tax.


A trust will also mean that your family won’t have to wait for probate to be granted to receive the money from a life insurance policy. This could mean avoiding a wait of up to six months or more.


Why so few Life Insurance Policies are Written in Trust?


Many people are unaware of the benefits of writing life insurance in trust and don’t realise how easy it is. It has been estimated that the number of life insurance policies written in trust could be as little as 1%. This is shocking given the benefits of writing your life insurance in trust.


The Cost of not Writing Life Insurance in Trust


If you die and your estate consists of a house and savings worth £300,000, there is no inheritance tax to pay as it is below the £325,000 threshold. However if you also left a life insurance policy worth £200 wholesale air max blue ,000 your family would have to pay 40% inheritance tax on £175,000 (£300,000 + £200,000 = £500 wholesale air max red ,000 - £325,000) = £175,000) reducing your estate by a whopping £70,000. Meaning you leave behind a total of £430 wholesale air max pink ,000 after inheritance tax.


If the life insurance policy had been written in trust it would not have been included in the estate and there would be no inheritance tax to pay. The full £500,000 passing to your family.


How to Find the Right Life Insurance Policy


Life insurance is complicated and it's essential that you choose the right policy. We specialise in life insurance and will search the market and help you find the right cover at the best price available. Quotes for life insurance are free and you are under no obligation. Compare Life Insurance Now!




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