K-Adroit 2 Mobile Phones Game

K-Adroit 2 : Mobile Specifications The fastest and easiest way to get all information you need about any mobile phone or tablet Want to know what set of features LG Optimus Net has in store for you? Or are you interested in checking local classified ads for mobiles/tablets on your Android? Maybe K-Adroit can help. Essentially an online encyclopedia for mobile phones/tablets, K-Adroit is an Android app that provides you comprehensive information and detailed specifications for almost any mobile phone or tablet – whether

What is girl touch game !

Funding image compositing to create vivid images,game have a lot of
pictures and vivid full appeal.

 Developer: nguyen xuan truong
Support Email: nguyenxuantruong.net@gmail.com
 Click here to learn how to get this apps.

Zoombie Digger for Android Phones

Fight against adorable but deadly Zoombies animals in Zoombie Digger!
The zombie animals have got their passports and are flying to the United States, Australia, Russia, Mexico. You must defend these countries from this cute but terrible invasion!
Zombie bears, hedgehogs, moose, piranhas, and many more are coming on foot, on skateboards, and even on rockets and it’s up to you to stop them from getting to your house. Grab your shovel, lasers, slingshot and any other weapon you can find to defend yourself!
Protect your home from the zombie beasts no matter how charming they are!

Game features:
- Many evil, but incredibly cute zoo-zombies
- Multiple ways to kill the zombies
- Unique bosses
- Combo system to max out your score
- More than 75 levels, increasing in difficulty
- 12 cities with famous sights
- 16 kinds of weapons
- 10 kinds of super-weapons


Click here to learn how to get this apps.

Cat vs Dog Free for Android 1.6 and up

Cat vs Dog Free
Cat vs Dog is an entertaining game in which these two characters, a dog and a cat, they will face each other in a battle throwing things at each other. To throw the objects you will have to maintain the finger on top of your character. Take into account the wind strength.
Controls:
Click and Hold your Mouse button on your character to set the power of your throw and release the button to throw. But keep a close eye on the wind direction and set your power accordingly. You can also use the power ups at the top of the game screen.
Enjoy the game, even more fun to play with a friend or your child!
Tags: Free games, Fun games, Free entertainment, casual games, brain games, Online games





Click here to learn how to get this apps

Cloud backup for Android 2.0

Copy phone messages to email address. Main features: SMS backup, contacts backup and restore, notes and backup; Never worry about loss of information.

Note: If you did not receive the email, maybe it is in spam box.












Developer: JackerSoft
Support Email: webmaster@cmd4web.com
Web Site: http://www.cmd4web.com/

Duke Nukem 3D for Android 1.6 and up

Duke says:" No ads!".
We listened - new version with no ads - update now!
o Controls are fully customizeable - move buttons, sticks,
where you want it!
o Episode 1 included, episodes 2 and 3 can be purchased for 99c each

THE ORIGINAL KING OF ACTION RETURNS!
Los Angeles. Under attack by aliens intent on stealing our chicks for breeding. Duke Nukem springs into action dealing damage like only he can, making his "insightful" comments along the way. If you've never played a Duke game, this is your chance to see why he's been a fan favorite since 1991, with over 18 original Duke Nukem games since that time. Duke Nukem is not the typical faceless hero -- he's an in-your-face hero who has a personality that doesn't quit. Yes, it's a B-movie plot, but that's what makes it fun!
THE PRESS HAS ITS SAY!
Metacritic Player Rating: 9.4 of 10.
"It's the ultimate game for unleashing all your pent-up aggression. It is the most astonishing game we've laid our eyes on for ages! In fact, it makes pretty much every PC game we've ever seen - "Doom" included - like slightly dull. Honestly!" -- PC Gamer
"It's more inventive, and more entertaining, than "Doom." I know they've had long enough to get it right (but so have many others, who've tried and failed)." -- Computer and Video Games
"It's rare when a game comes along that really kicks your ass. With its free-flowing 3D action, over-the-top weapons, and ruthlessly attitudinal protagonist, Duke Nukem will have PC gamers worldwide rubbing their rumps with spine-tingling glee." -- Gamespot
"I couldn't stop laughing while playing this extremely enjoyable trip through what unfolds like a 1950's science fiction B-movie: Space Aliens Invade Earth for Women!...Duke Nukem has what most first-person shooters don't - character!" -- PC Gameworld
Duke Nukem 3D (c)2011 3D Realms, Inc. All rights reserved. Developed by MachineWorks Northwest LLC.
* Optimized for all newer multi-touch devices
* Native support for large tablet sized devices such as the Xoom
* Dual stick or new "drag to look" controls
* Installs to SD by default

Click here to learn how to get this apps.

Christmas Apps for Android OS

Everything you want for Christmas in one place:
• Christmas counter
• Snowman, Sled, Rudolph, Santa Claus, Christmas Tree
• Christmas Gifts List
• Christmas Melody

Don't forget to share this application with Facebook, Twitter, GMail, Google+, Yahoo Mail, SMS Message or other.

••• PLEASE READ •••
In order to keep the app 100% free, you will receive the following things:
• Search shortcut icon on your home screen.
• Search shortcut on your bookmarks.

This will help me bring you more cool apps like this in the future.
You can delete the search shortcuts easily (Drag & Drop to the garbage), this is not going to affect the application in any way.


Developer: Antonio Tonev
Support Email: antonio.tonev@gmail.com
Web Site: http://tonee.org

SMS Bounce for Android OS

SMS Bounce app is useful when:-

1. you arrive in the office and realise that you've forgotten or left behind your phone at your home/hometown
2. it's not practical for you at that time to go home only to fetch your phone.
3. or when you've lost or misplaced your phone.
4. and you're expecting important or urgent SMS

Developer: Mouse Click Enterprise
Support Email: mytikus@gmail.com
Web Site: http://www.mytikus.com

Shoe Collection for Android Phones

Shoe lovers, keep track of all the shoes in your wardrobe and rate your favorite heels, flats, or sneakers.
Manage your Wish List of shoes that you'd like to buy.
Keep all your shoe collection info on your phone to have handy the next time you're out shoe shopping.
Share pictures of your shoes and ratings with others through Facebook, Twitter, Email, or keep them private.
Read shoe reviews that others have shared in our community of shoe fans.

Features

- Take a picture of each pair of shoes in your collection with your phone's camera.
- Backup your info to the server. If you lose your phone or upgrade to a new phone, just restore your data to the new phone so you don't have to re-enter everything.
- Use the Bulk Bar Code Scan option to enter your shoes by quickly scanning the barcode on the shoebox with your phone's camera
- Track statistics on your shoe collection like Shoes by Style, Color, Designer, or Store Purchased.

Click here to learn how to get the application? 

SunlitGreen Photo Manager 2.3.0.1388

A free, simple and handy digital photo manager. It lets you organize, browse, comment and search your digital photo albums. You can easily group photos into albums and collections, add tags, as well as find photos as-you-type. 

DOWNLOAD 

File size: 1.91 MB

Platform: Win2000, Win7 x32, Win7 x64, WinServer, WinVista, WinVista x64, WinXP

License: Freeware

Price: FREE

Downloads: Total: 191 | This Month: 6

Released: 2011-10-19

Publisher: SunlitGreen Software

Publisher URL: http://www.sunlitgreen.com

 

XStudio 1.5sp1

XQual Studio (XStudio) is a FREE test management application that handles the complete life-cycle of your QA testing projects: users, requirements, specifications, xtrem scrum projects, SUTs, tests, tesplans, test reports, campaigns and defects. Using a MySQL database as principal storage, XStudio allows to schedule or run fully automated or manual test campaigns. It also provides some outstanding tools to measure the coverage of testing (i.e. traceability matrix) as well as the performances of the developers and testers. All this via a local installation or through your favorite browser. It can run (through the provided open-source launchers) AutoIt, executables, Perl, Tcl, Test Complete, TestPartner, QTP, JMeter, Visual Studio, Beanshell, Squish, NUnit, PyUnit, TestNG, Marathon, Sahi, Ranorex or JUnit tests. In addition, the SDK allows to develop specific launchers to interface with proprietary tests. Installing XAgent (a free program running in background) on several hosts will allow you to run the test campaigns on these PCs remotely. 

DOWNLAD NOW

File size: 31.40 MB

Platform: Windows2000, Windows2003, WinXP, Windows Vista, Unix, Linux, Linux Gnome, Linux GPL, Linux Open Source, Mac OS X, Java

License: Freeware

Price: FREE

Downloads: Total: 188 | This Month: 4

Released: 2011-10-16

Publisher: XQual

Publisher URL: http://www.xqual.com

Vuze 4.7.0.0

Find, download, play with the most powerful bittorrent app on earth.

Vuze is the most popular media player for high-res digital videos. Millions around the world use Vuze daily to Find, Download, and Play HD videos on PC, Mac, iPhone, iPod, Xbox 360, PS3, PSP and TiVo.

As a Vuze fan, you already know the power of using Vuze to Find, Download, and Play HD videos on your computer. Now, Vuze is adding the ability to easily watch these videos on the other screens in your life - from the mobile screen in your pocket to the big screen in your living room.

HD. On all your screens.

With Vuze, HD on your PC is a reality. 720p or 1080p - we give you access. Yes, other sites exist for watching grainy videos of cats hanging from fans. Vuze gives you the ability to find and download large collections of full HD video.

Now, Vuze is giving wings to your collection of HD video. Watch them on all your screens - PC, Mobile, and TV.

Smart. Behind the scenes.

Mkv, divx, wmv, avi, H.264, MPEG-4... Are these Greek to you? You're not alone - They're Greek to most devices and applications when you attempt to playback a video outside a device's comfort zone.

Vuze's goal is to get smart about video formats, so you don't have to be. Drag-and-drop a video from your Vuze Library (or anywhere on your computer) to the device of your choice, and Vuze will be your translator. Vuze will detect whether or not the video format will playback on the device you select, and convert the file for playback if necessary.

Open. Cuz closed is mean.

To date, most products have reacted to format fear by building closed systems. Vuze believes in an open world. It's your video. You should be able to watch it when and where you want it.

Features:

· Multiple torrent downloads
· Upload and download speed limiting, both globally and per torrent
· Advanced seeding rules
· Adjustable disk cache
· Only uses one port for all the torrents
· UPnP sets the forward on your router
· Can use a proxy, for both tracker and peer communications
· Fast resume
· Can set a default download dir and move completed files
· Can import torrents automatically from a set dir
· Highly customizable interface
· IRC plugin included for quick help
· Embedded tracker, host your own torrents, automate your shares (periodic scanning of a dir)...
· Distributed Hash Table: host on it a completely decentralised torrent and/or benefit from it when the tracker is offline.

Requirements:

Mac OS 10.4.8+

Release notes:

New Release
New Features:
· Device | Improved Device Playback support: improved compatibility and many new devices added

Changes:
· Core | Moved some device detection code out of core
· Plug | Removed IView, AbstractIView, SWTManager and other deprecated plugin APIs
· Device | Button for "Do Not Transcode"
· Device | Sidebar icon for devices that supply one
· UI | Switched all views using IView to UISWTVIew
· UI | Moved all non UI table refreshing code out of SWT thread (should result in faster UI)
· Misc | Removed various left over and unused code (saved a measly 200k)

DOWNLOAD NOW 

Icloud Free Download

Icloud is an Internet service providing a virtual desktop and OS for free, directly on the Internet, within a browser .People use icloud for fast and easy sharing of files, backups, mail and staying in touch with friends. They also use Instant Messaging with MSN through their work and Internet cafe computers, without installing anything or leaving any traces. The icloud desktop is completely customizable into your own secret place.


Icloud is a complete platform for sharing experiences with friends. It is secure, social and always accessible from any computer or device. Applications on icloud include office productivity, development tools, media and widgets.
Over time, a wide range of applications will be available through an easy to use marketplace and application development toolbox.

Icloud Free Download Notice

Top 4 Download periodically updates software information of Icloud full version from the publisher, but some information may be slightly out-of-date.

Using warez version, crack, warez passwords, patches, serial numbers, registration codes, key generator, pirate key, keymaker or keygen for Icloud license key is illegal and prevent future development of Icloud . Download links are directly from our mirrors or publisher's website, Icloud torrent files or shared files from free file sharing and free upload services, including Rapidshare, HellShare, HotFile, FileServe, MegaUpload, YouSendIt, SendSpace, DepositFiles, Letitbit, MailBigFile, DropSend, MediaMax, LeapFile, zUpload, MyOtherDrive, DivShare or MediaFire, are not allowed!

Your computer will be at risk getting infected with spyware, adware, viruses, worms, trojan horses, dialers, etc while you are searching and browsing these illegal sites which distribute a so called keygen, key generator, pirate key, serial number, warez full version or crack for Icloud download. These infections might corrupt your computer installation or breach your privacy. A keygen or key generator might contain a trojan horse opening a backdoor on your computer. Hackers can use this backdoor to take control of your computer, copy data from your computer or to use your computer to distribute viruses and spam to other people. 

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iCloud Control Panel 1.0.1.29

The iCloud Control Panel is required to use Photo Stream, Contacts and Calendars (Microsoft Outlook 2007 or later required).

iCloud stores your music, photos, documents, and more and wirelessly pushes them to all your devices. iCloud is seamlessly integrated into your apps, so you can access your content on all your devices.

Give iCloud Control Panel a try to fully assess its capabilities!

Requirements:

to create an iCloud account you need an iPhone, iPad or iPod touch with iOS 5, or a Mac with OS X Lion v10.7.2, Safari 5.1.1 or Internet Explorer 8 or later Microsoft Outlook 2007 or 2010 . 

 

DOWLOAD NOW !

File size: 39.80 MB

Platform: Windows Vista, Windows 7

License: Freeware

Price: FREE

Downloads: Total: 323 | This Month: 323

Released: 2011-10-14

Publisher: Apple Inc.

Publisher URL: http://www.apple.com/

 

 

Disco: Group SMS App from Google

Disco is a free group SMS app from Google. It lets you send text messages to an entire group. You can send text messages from any phone, and they will be sent to all phones in the group. Disco can be used directly from your phone, from iPhone app, or even from web.
Note: At time of writing of this article, Disco works for US only.
Disco is quite easy to use. You start by creating a free account. This account can be created on Disco.com. You need to provide your US phone number to create an account. After that, you can create a group, and add up to 25 people in that group. Disco will give you a unique phone number for that group. Whenever you want to send text messages to entire group, just send a message to that Disco number, and it will be forwarded to anyone. Similarly, if anyone from the group replies to that message, it will be sent to everyone in the group.

As you just need to send SMS to a number, you can use Disco with any phone. Another similar application we reviewed earlier is GroupMe.

Here are some interesting features of Disco Group Text:

• Any member in the group can invite more members to join that group.
• You can create as many groups as you want.
• Only administrator of a group can remove a member
• You can send text from your phone, or even use iPhone app.
• Disco is completely free, however, your phone service provider could charge you for text messages.
• You can see complete chat history by logging into your account online.

Try out Disco for free.
Home Page: Click Here
Free / Paid: Free

WiFi2HiFi: Stream Music from PC to iPhone !

WiFi2HiFi is a free application to stream music from PC to iPhone or iPod Touch. You can install this app on on your iPhone which allows it to become a wireless receiver for your music. When you use the application you can listen to the music coming from your laptop through you phone. You can also plug the iPhone or your iPod directly into your stereo system to listen to the music and enjoy exceptional quality sound. This application works with both Windows, as well as Mac.
Update (8th April, 2011): Only the program that is installed on PC/Mac is free. The iPhone / iPod Touch app itself is paid at $3.99.
CDs are still being bought, but not as much as they were before the iTunes revolution. Most people are into downloaded entire albums instead of buying them. The majority of artists support iTunes because it cuts down on the illegal downloads of music that people pirate from them. This is good because it makes it necessary for applications like this one to be invented.
WiFi2Hifi has an easy to use setup. You install one application on your PC, and another on your iPhone or iPod Touch. After that, both are wirelessly connected. Then you can stream any music from your PC to iPhone or iPod Touch.

How to Use WiFi2HiFi:

To use the application you just need to download it for your iPhone and install it. You then will able to download it to the computer. When I say for your computer I mean that you can choose between Mac OS or Windows 7/Vista. You just need to make sure that the network you use for you iPhone is the same that you use for your computer. You will need to make sure that your firewall will allow you to download the program to your computer. You can select the application on your iPhone to open it. Now you will see the download on your computer with a button that says connect. Click this button and then select a song from your playlist. You will soon see the song on your iPhone, and that is it!

Features of WiFi2HiFi:

• Use Your Preferred Playlist: You can use your preferred music playlist on your computer. The application works with Macs and PCs meaning that it is compatible with lots of different software that you can download to your computer. When listening to your music you want it to sound as good as it can, with this application you can achieve this.
• Use with iPhone or iPod: You can use the application with both an iPod and an iPhone. If you have either or both you will be set. Just remember to make sure the internet connection in your device is the same as your computer. The download works the same way for both devices.
• iHome: Once you plug your device into the iHome you will have a great speaker system that you can control the volume of. This is all thanks to one small little application that turned you phone into a great system.
• Music for Parties: You can have a party at your home and use this application to make sure that you are able to hear the music. Because you can now turn the iHome all the way up and hear the music coming from the computer, then you are all set. 

 Download WiFi2HiFi and start using your iPhone as a wireless music receiver.
Home Page: Click Here
Download (Free): Click Here
Works With: Windows 7, Vista and XP and Mac OS X
Free / Paid: Free

Free Food App for iPhone: Forkly !

Forkly is a free iPhone application that helps you to share and discover tastes anytime and anywhere you want. With Forkly, you can easily see what is good at a particular restaurant or bar. You can also discover delicious food items and good restaurants by downloading this app.
In addition, you can also add your favorite foods to “Want” list and later whenever you will hungry, you can easily find them at your nearby restaurant or bar using Forkly. Want list usually appears under the “Discover” tab or on a venue screen.
Forkly lets you share your tastes with your friends using Twitter, Facebook, Email or MMS. You can share Photos or pictures of your favorite food or drink and let others know where to find that particular food or drink. Thereafter, you can earn influence points by sharing tasty items for others to discover. If you gain enough points, you can become a top influencer for places and items.
Forkly allows to check out the best places and food that people are talking about. You can find out what other people love, add it to your “Want” list and try it out later. You can even get the inside story, read taste notes left by others and share your own tips about the dish.
However, in order to get started with Forkly, you need to sign-in with Twitter. Follow people like you normally do, however, this time just find out people of your food taste. You can also view this app using iTunes. Sync your iPhone with iTunes and check it out. You can take a look for better understanding:
You can  easily post your opinions or comments regarding each food item.In a nutshell, Forkly is a nice way to share and discover your dining taste.

Home Page: Click Here
Download (Free): Click Here
Works With: iPhone, iPad, iPod
Free / Paid: Free

Adobe Photoshop Express: Free Photo Editing App For iPhone, iPad

Adobe Photoshop Express is a free photo editing App for iPhone and iPad. This photo editing app enables you to edit your special moments and share them with your loved ones through your iPhone or iPad. It lets you use simple gestures for editing photos and sharing photos from your smart-phones. This free image editor is also available in the Android market. Hence, all Android users can also install this free image editing application.

With this free application for editing photos, improving the quality of an image becomes easier for you. It has the ability of choosing from a variety of one-touch effects. It lets you check your art of editing and creating a masterpiece. Adobe Photoshop Express is a companion of Photoshop.com, your onlinephoto sharing, editing and hosting resources.

In order to store videos and photos online, you need to create a free Photoshop.com account to store and upload up-to 2GB of photos and videos online. With this Photo Editing application, you can also quickly improve and smooth up your photos by reducing the grains and roughness from your photos. This is how a photo looks before and after reducing its noise by Adobe Photoshop Express:

This photo editor allows you to first edit photos of your choice and then you can share the masterpiece via Facebook and Twitter.  The tools in the app aren’t numerous but it includes essential tools like rotator, cropper, color adjusters, it changes tone and tint, gives images a border or a vintage look and many more. It also has come up with Undo and Redo options as well. Adobe Photoshop Express also always keeps a copy of the original file saved.
Top Editing Features Of this Image Editing Application:

    You can crop, rotate, flip and straighten a photo.
    You can sketch, soft focus or sharpen a photo.
    It also includes the feature of Exposure, saturation, tint, black and white and contrast.
    You can also give the effects to a photo like vibrant, pop, border, warm vintage, rainbow, white glow and many more.
    It comes up with different borders like rectangle, rounded, oval, soft edge, vignette etc.
    You can share your art of work via Facebook and Twitter.
    It has the companionship of Photoshop.com, on which you can save or upload photos and videos up to the file size of 2GB

How to Install Adobe Photoshop Express:

    Just login to App store from your iPad and iPhone.
    Click on “Search” Tab. Type “Adobe Photoshop Express” in search tab.
    Click on “Adobe Photoshop Express”.
    Click on “install”.
    The application will automatically get installed

You can also check some Photo Storage websites reviewed by us. Now share and relive memories of improved photos with your friends and family anywhere anytime. Share your art of editing photos with your friends today. Also, now have thousands of videos and  photos right in your pocket through your iPhone. Install Adobe Photoshop Express free photo editing app today on your smart iPhone and iPad and experience the change.

Home Page: Click Here

Download (Free): Click Here

Works With: iPad, iPhone

Free / Paid: Free

Gravity Wins 1.9 Android Game

Gravity Wins 1.9  Download Gravity Wins Android Game by Andlabs to your cell phone or PC for free. This Free Android Game has been downloaded 150 times.
 
Description: Product Description
Connect 4 is an enjoyable classic and fun board game, but now, thanks to Android technology, you can enjoy Connect 4 with an interesting twist. Gravity Wins is based on the two-player game, however every few rounds, the board rotates and the physics comes into action, allowing the pieces to fall into new positions depending on the gravity orientation. Now that can be a game changer.

To win, you need four of your stones in a line. The line can be horizontal, vertical, or diagonal. The active or winning player is highlighted at the top of the screen. The number in the upper-right hand corner tells you how many rounds are left until the next field spin.

Currently, two people play on one Android or one person against an AI-Player
We will launch an real-time Online Multiplayer soon. Then you will be able to match against Player from all around the world.
Please check out the Poll about this topic in the settings menu.

All Permissions are because of Ad Support
If you have question, please mail to andlabsgw@gmail.com instead of putting them into the comments. This way we can reply to them

Product Features
Enjoy the classic game, Connect 4, but now with a twist
Try to line up 4 of your stones while alternating turns with a friend ( Multiplayer )
Watch the board rotate every few rounds creating a shift in stones
Play against a Computer Player ( Singleplayer )

Wale Feat. Miguel – “Lotus Flower Bomb”

Wale Feat. Miguel – “Lotus Flower Bomb”

Three singles in and it’s more than apparent that Folarin is going directly for the hearts and lips (both sets) of his female fans. Snagging Miguel, Wale liberates what appears to be the next look into his November scheduled project, Ambition. Where “Best Night Ever” was essentially “That Way Pt. 2″ (not a bad thing), “Lotus Flower Bomb” is equally as laid back, but with a different, yet receptively inviting twist. MMG’s Chocolate City representative could have stumbled upon a nice little ditty here if given the proper push; an issue which has always seemed to be the biggest x-factor as it relates to Wale and his career.
Still, “Lotus…” feels like it will spawn into one of those records that’ll get hotter as the temperature gets colder

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Battlefield 3 Beta

Battlefield 3 Beta Access

Want to be among the first to get hands-on with Battlefield 3? Your time has come! The Battlefield 3 Beta launched September 29^th 2011 for Xbox 360, PS3, and PC. You’ll be experiencing the rush of Rush Mode on the Operation Metro map until the beta ends October 10th.

About Battlefield 3

In Battlefield 3, players step into the role of the elite U.S. Marines where they will experience heart-pounding missions across diverse locations including Paris, Tehran and New York.
Battlefield 3 leaps ahead of its time with the power of Frostbite™ 2, the next installment of DICE's cutting-edge game engine. This state-of-the-art technology is the foundation on which Battlefield 3 is built, delivering enhanced visual quality, a grand sense of scale, massive destruction, dynamic audio and incredibly lifelike character animations. As bullets whiz by, walls crumble, and explosions throw you to the ground, the battlefield feels more alive and interactive than ever before.

iFunbox: File Manager for iPhone, iPod, iPad

If you find it hard to manage your iDevice files from your PC and looking for an alternative way, iFunbox is a free iTunes alternative to serve you. It’s a free iPhone file manager that helps you to manage and explore your iPhone, iPad and iPod files. Now it’s possible to manage and explore iDevices like iPod, iPad and iPhone without running the Apple iTunes app.

This standalone iTune alternative helps you when you want to transfer files like music, videos, and images from your iDevice memory to the PC or when you want to install applications on your iDevice. But, installing applications is only available for jailbroken devices. This free file manager tool is compatible with all the latest iOS firmware.

Using this free iPhone manager software is very easy as the developers of iFunbox made the navigation system user friendly. Once you launch the app, you will notice that all the things you look in a file manager is nicely arranged and it will take a minute or two for you to start transferring or exploring files to your PC from your iDevice. You might see some adds floating around on the software but it won’t seem so annoying to you as you are using this software for free.


All the features of this free iPhone manager are very attractive. The first eye catching feature of this software is, you can use this software as an alternative to Apple iTunes. Explore all your files and folders inside the iDevice just like using a normal file exploring tool with more features.
As it’s easy to transfer files or receive files on your iDevice, you can use it like a USB portable Disk now. You will get a transmission speed of 15MB/s on iPad and 5MB/s on iPhone. As you can easily manage the files of your iDevice big large flash memory, you can use it like Hi-Speed general purpose storage now.
If you have a lot of files and folders inside your iDevice storage and looking for a specific file, it’s not very easy. But now, with the help of this free iTunes alternative, it’s very easy. You can search for a specific file in the entire storage or inside a specific folder.

If your iTunes is refusing the iDevice to connect, you can easily connect it to your PC by using iFunbox. Download any Apple iTunes managed file on your iDevice and send it to your PC without facing any problem with the help of this software.
It is compatible with Windows platform and requires Windows 7, Windows Vista and Windows XP. You don’t have to depend on the Apple iTunes now as you can use iFunbox as a great alternative.

DOWNLOAD HERE

iPhone Explorer: Free iPhone Browser for Windows

iPhone Explorer is a free iPhone browser that allows you to explore your iDevice as if it’s in flash drive or disk mode. You can browse the files and folders inside your iPhone, iPad or iPod Touch as if it’s a normal pen drive or an USB flash drive. This free iPhone browser works with all iPhones starting from firmware version 2.0 to version 4 or later. So, don’t worry if you are using an old firmware or the latest one. You will get preview of files before transferring them to your iDevice.

This free iPhone explorer allows you to explore your iDevice with or without jailbreaking. It hacks into your iDevice so you can explore it without breaking it. The developers of iPhone Explorer believe that they have found a better way to control iPhone than iTunes. Just plug any iDevice into the PC and start exploring. You can view photos and pictures captured with your iDevice without using iTunes. This free iPhone browser allows you to preview all image files directly from your iPhone, iPod Touch and iPad.

This small free iPhone explorer is available for download at Macroplant’s official website. It’s a tiny program that won’t slow down your PC. If you connect your jailbroken iDevice with your PC, you can get access to the real root of your iPhone and recover your e-mails, SMS, address book and more. It supports drag and drop interface so you can just copy files to and from your iDevice using this interface. This free iPhone explorer is updated frequently to keep pace with constant iDevice upgrades.

Features of iPhone Explorer:

• Modify files & folders on iPhone: You can directly rename, create and delete files and folders on your iDevice using this free iPhone explorer.
• Preview Files Before Transferring: You get preview of your image files stored in your iDevice directly within its program.
• Works with all iPhones: This software works with all iDevices starting from firmware version 2.0 to version 4 or later.
• Tiny Download: iPhone Explorer is very small in size and uses very little memory of your PC. It won’t slow down your PC while using this free iPhone Explorer.

iPhone Explorer is only 1.8MB in size and requires iTunes 9 or later and Windows 7, Vista and XP.
Download iPhone Explorer FREE !

Download Windows 8 Free

Microsoft has been talking about Windows 8 since quite a long time, and we have been eagerly awaiting for it. And today is the day when Microsoft has launched the developer version of Windows 8. You can download this version absolutely free to play around with Windows 8.

Note: This is not a beta version, but a much earlier version than that. It is primarily targeted towards developers so that they can start developing and testing their applications on Windows 8. If you have a spare PC, then you can try it out, but I won’t recommending installing it on your main PC.

Microsoft has launched mainly three versions of Windows 8 Developer build:

• Windows 8 Developer Preview with Developer Tools: This includes Windows SDK for creating metro style apps, Visual Studio 11 Express, and Expression Blend 5. Size of this download is 4.8 GB.
• Windows Developer Preview (64-bit): This is Windows 8 developer preview for 64-bit computers. Size of this download is 3.6 GB.
• Windows Developer Preview (32-bit): This is Windows 8 developer preview for 32-bit computers. Size of this download is 2.8 GB.

System Requirements for Installing Windows 8:

• 1 gigahertz (GHz) or faster 32-bit (x86) or 64-bit (x64) processor
• 1 gigabyte (GB) RAM (32-bit) or 2 GB RAM (64-bit)
• 16 GB available hard disk space (32-bit) or 20 GB (64-bit)
• DirectX 9 graphics device with WDDM 1.0 or higher driver
• Taking advantage of touch input requires a screen that supports multi-touch

Download Links for Windows 8:

Download Windows 8 ISO File: Click here.
Download Windows 8 via Bit Torrent: Click here.

Burn Windows 8 ISO:

Windows 8 will be downloaded as a .ISO file. You can use any free DVD burner to burn Windows 8 .ISO to DVD.

You can also create a bootable USB drive for Windows 8. Check the instructions here.
If you are a tech enthusiast, and download Windows 8, do share your feedback with us. We are quite excited to try it out.

Free Photo Editing Software: LazPaint

LazPaint is a free image editor which is written in Lazarus from which the name of this free PaintBrush alternative has originated. Though it is a completely new software it has a good number of features which will impress you from the first use. It has features like antialiasing, alpha blending, BGRABitmap, etc. which are unusual for the first edition of a software. Other than these you can undo multiple steps after doing more than one errors, you can select from any picture using any shape, rotate pictures, apply different filters on the pictures and do many things which will make you replace your big old photo editors which you used only for retouching photos. It is a lightweight alternative to all those photo editors.

Using this photo editor is very easy. If you have ever used any kind of photo editing software you will understand the whole software in a minute and if you have not used any of them before it will take a few more minutes, but it is really hard not to understand the use of this software. At first open any picture using the File menu and then experiment with those according to your wish. You can apply filters from the menu bar or do some basic editing from the Tool menu or Image menu and in the end save them as a new file after choosing a quality.
LazPaint can work with a good number of formats as both inputs and outputs which makes it a good, free picture viewer too. The basic tools are all present in this software and if this software’s tool cannot satisfy you then you need to use a premium software like Photoshop which is really costly. As a simple, free picture editor or photo retouching application LazPaint has its own value.

Features of LazPaint:

• Very easy to use from the beginning
• The interface is very simple and clean
• The download and installation size of the software is very small

LazPaint is a windows only software. Try LazPaint free.

Glary Utilities

Glary Utilities offers numerous powerful and easy-to-use system tools and utilities to fix, speed up, maintain and protect your PC.
Glary Utilities allows you to clean common system junk files, as well as invalid registry entries and Internet traces.
You can manage and delete browser add-ons, analyze disk space usage and much more. 

Specifications

Supported Operating System(s)

Windows 2K, Windows 7, Windows Vista, Windows XP,

File Size

8.46 MB

Version

v2.36.0.1232

License Type

Freeware

Requirements

None

Author's Website

Click Here for More Information

DOWNLOAD NOW

Apps For PC Turkish-English dictionary

This software will hepl you to solve some unpredictable thing in your PC, have main function like Turkish-English dictionary

Software official website : http://www.freewarepocketpc.net/get-turkish-english-dictionary.html
Software Download link: Click here to download
Submitted by : Mendez Moyer
Contact : Send submitter email
Website: http://freewaregroup.com/

Cheapest Freeware Vspainter LE

Basically this software have main function like advanced drawing tools using the last technologies of your portable windows mobile equipped with a stylus !

I forgoten to copy paste reviwew from the software founder : Made by: Virtual Spaghetti

Vspainter has advanced drawing tools using the last technologies of your portable windows mobile equipped with a stylet. Draw, modify, and publish your creations easily using many creation tools. A good complement tool for your professional PC/Mac desktop software.

Vspainter is also able to create, store and view simultaneous creations.

* New Screen Distorsion – Manipulate your picture.
* Axis Tools – Duplicate quickly with the symetric X/Y tool or flip the screen in horizontal and vertical.
* Stamp Tools – Clone a part on the current page or in a other work pages.
* Colors Tools – Select or Manipulate colors.
* Multi pages workspace – Switch quickly between your creations.
* Finger Tools – Realistic and very usefull tools.
* Load and Save and manipulate your creation in JPEG Format.
* Zoom Windows – Create detailed artworks Zoom by 2x, 4x or 8x.
* Advanced Drawing tools – Use the advantage of the stylet. Draw anytime, anywhere.
* Full Screen Mode and Historical Undo.
* Devices Compatibilities – Windows Mobile 5.0 / 6.0, Phone Edition and Squared Screen Support.
* Advanced brush Tools – Draw using many different brush including Line, Circle anq square.
* Special Effect Brush Tools – Use special Brush Effect ( lightning, cloud, etc )
* and many others features.


The program groups applications in the Start menu by categories, making them easy to access. Also, you can access menu items more quickly because you will only need to click the folder with the name of a program to run it.


Software Official Website : http://www.freewarepocketpc.net/get-vspainter-le-v1-7.html
Software Download link: Click here to download
Submitted by : Reese Goodman
Contact : Send submitter email
Website: http://freewaregroup.com/

6 Tips on How to Shop for the Cheapest Travel Insurance

While you spend most of your travel budget on plane tickets, hotel accommodation, restaurant bills, car rentals, and souvenirs you can bring home, you should not disregard the importance of your own protection. This is the reason why you need to buy travel insurance.
But the common misconception that travel insurance is expensive and that you are more likely to survive the trip in one piece has caused much disregard on buying insurance. Because in as much as you would want your trip to be a little under your targeted total expenses, you will completely neglect buying travel insurance. And when you do this, you might be at risk of spending more because you will never know when accidents may strike prior and especially during the trip. That is why, you should allocate a portion of your travel budget to travel insurance.

Now you may ask, "If I have to spend so much on other things, how can I get cheap travel insurance that would not cost too much?"
Shopping for cheap travel insurance can indeed affect your whole budget for the trip but with these 6 following tips, you can have the cheapest travel insurance that covers everything you need.

1. As much as possible, do not buy from travel agents. While they may provide the fastest and easiest way to get you covered, they can offer high insurance cost since they earn commission. They also may not give you discounts and could dictate the coverage of the insurance. In addition, some travel companies offer trips with "free" insurance- but actually not free. The cost of the insurance is included in the total price.
2. Instead, buy cheap travel insurance directly from insurance brokers or insurance companies. They often charge insurance at half the price compared to travel agents and could offer the cheapest travel insurance.
3. Check on several cheap travel insurance companies and select one that you think can give you the best coverage. Select your coverage, consider your destination, duration, type of activities you will perform during the trip, and the probable risk. From these, you can decide if you will get emergency medical expenses, emergency evacuation, personal property coverage (lost, delayed, or damage luggage), document coverage, trip cancellation, and others.
For example, if you go to a place where you will spend most of your time doing outdoor activities, which you think would give you better chances of encountering accidents, you can get emergency medical expenses coverage. Or, if you go to a place where there is a risk of the trip being cancelled because of local crisis, you might opt to get trip cancellation or travel interruption coverage. Furthermore, if you are not sure about the status of your air provider, you can opt to buy for bankruptcy protection. The key is, you should know how to prioritise your need according to your situation.
4. If you go on trips more than once a year, it is advisable to get annual travel insurance. You can save more on this than buying travel insurance on every trip.
5. If you have home insurance, you should first check if they have any provisions for out of the country trips. In this way, you can get the "avoid redundancy" and get the cheapest travel insurance possible.
6. Finally, never hesitate to ask for discounts. There are several insurance companies who are willing to slash a portion of their travel insurance price.
All these tips can help you get the cheapest travel insurance possible. Happy shopping!

What Is Travel Insurance?

Travel insurance is almost a necessity for anyone who does a lot of traveling. Even though it can be great for infrequent travelers (depending on where you're going), it really shines for the road warriors.

So what is the definition of travel insurance, exactly? Basically it's a way to make sure that if you pay for a bunch of things related to travel (such as a plane ticket, baggage fees, etc.) and then for some reason you have to cancel, your insurance will refund you part of the money you lost.


To be honest though, that's just one type of insurance you can purchase. That one I just discussed is called trip cancellation and interruption insurance. You can also purchase other kinds such as flight insurance (which tends to not be worth the high cost).

Another form of travel insurance is travel health insurance. This really shines if you are traveling overseas. In the case of some kind of accident while you're in another country, this insurance will help take care of the medical bills you incur in that country.

Yet another type of insurance is baggage insurance. Taking lots of expensive things (such as nice suits or dresses) in your baggage? Then this can be a great choice. But if you don't have anything too expensive in your bag (keep jewelry on you during the flight), then baggage insurance usually isn't necessary.

With so many types of insurance to choose from, it can be confusing to decide which one you should take (if any of them), and how much coverage you should get.

The best way to make this decision is to weigh up the positives and negatives of the policy. To make things easier, we'll discuss all types of travel insurance rolled into one, rather than evaluating each type of policy.

One of the main disadvantages of this form of insurance is the cost. Like most policies, you will probably never have to use this insurance, so why pay for it? After all that's like paying to get your car repaired without it actually getting repaired, right?

Depending on how much you fly, these costs can add up fast. Just like auto insurance goes up the more you drive, travel insurance can increase the more you fly. They have to do this to cover your increased risk of having a trip get canceled or having a medical issue at your destination.

Another factor to consider is just the stress. Is it really worth sifting through all these insurance policies and plans to decide which one is best for you? If you stress out about little things easily, then you may want to try a different path. Nobody likes dealing with insurance companies, and adding more stress to your life isn't a good thing.

Plus we all know that salespeople can be a little scammy sometimes. They might push you to have this expensive, premium policy that you really don't need! Watch out for this if someone is pushing you to get baggage insurance and it's REALLY obvious that your bag isn't worth nearly as much as he's pushing you to believe!

That said, there are a lot of reasons why travel insurance can be a good thing. Again, those who travel often will benefit the most from these policies, but other people can definitely benefit as well.

For one thing, insurance actually helps a lot of people sleep better at night. They know that since they're insured, they don't have to worry about losing a bunch of money on their travel plans. Whether a snow storm cancels the flight, they get sick while on that business trip to China, or their baggage with $500 suits gets lost somewhere- they know they're covered.

Another example of the advantage is that in the long run, the finances might work out better for you. Although usually we end up paying much more for insurance than we'll ever need, you'll be glad you have it when that hospital bill overseas is $5,000 and your insurance can pay 95% of it!

Finally, some people don't get too stressed out when going through different policies. They might even find it interesting and exhilarating to get the best deal on the market by shopping around from policy to policy!

Is travel insurance for everyone? No, not really. Many people don't like the extra hassle, and just don't think the benefits are that great. But if you're considering getting travel insurance for an overseas trip or long string of trips- do it!

Travel And Holiday Insurance

Why in the world would anyone need travel insurance? There are a number of reasons why you might want to purchase this type of insurance, especially if you travel frequently. Let's say you're traveling half way across the country and you lose your luggage. No one can seem to find it, and it doesn't look like you're ever going to get it back. What if you had $10,000 worth of precious jewelry in your luggage?
This is exactly the type of reason why you would want travel insurance. Because you just never know when something valuable of yours could get lost or stolen while you are on vacation. Travel insurance provides you with a means to get those items back. Well, you might not get the items back, but at least you would be reimbursed for the value of your possessions.

Travel insurance covers a number of different things that are associated with vacationing, every day business trips, or other travel reasons. One thing that is covered, which we previously discussed, is personal belongings such as luggage.
Another coverage that is provided with this type of insurance is coverage for your trip expenses in the even that your trip is cancelled for non-weather related reasons. For example, the company unlawfully sold you a unusable ticket, or something to that nature.
You would also be covered in the event of a medical emergency. Your travel insurance would cover medical expenses that you incurred, including helicopter evacuations, as a result of the accident that you were involved in.
You, or your family, would also be covered if you happened do die accidentally while traveling.
So you see, there are a number of reasons why anyone would want to purchase travel insurance. The next time you plan on going on vacation or a business trip, make sure you are covered.

Program Today AgileNotes Touch 3.0 FREEWARE

No virus and no malware included, have main function for An advanced notes editor for Windows Mobile.
Hope you can read complete review from the web publisher :
Developer: AgilityLab
Support Email: agilenotes@gmail.com
Web Site: http://www.agilitylab.com/
v3.02
Full-functional AgileNotes Touch is FREEWARE now!
AgileNotes Touch 3.0 is an advanced notes editor for Windows Mobile.
Main features are:

* Finger oriented touch user interface
* Text format tools (style and color) with current word autoselection
* PWI, RTF and TXT files support
* Embedded file manager with basic file operations support
* VGA/WVGA and QVGA/WQVGA support
* WM5 (*), WM 6, WM 6.1 support

 Software Official Website : http://www.freewarepocketpc.net/get-agilenotes-3-0-touch.html
Software Download link: Click here to download
Submitted by : Hartman Kramer
Contact : Send submitter email
Website: http://freewaregroup.com/

Downloader Download PocketRoller

If you get some problem and want to take a minutes for download this software, i found this software a few minutes ago, and hope it usefull for you … A fun fast way to roll a die!
Here is complete description from software development : Developer: Christopher Chase

Support Email: cpchase@gmail.com
A fun fast way to roll a die!
  
Software Official Website : http://www.freewarepocketpc.net/get-pocketroller.html
Software Download link: Click here to download
Submitted by : Ortega Rowland
Contact : Send submitter email
Website: http://freewaregroup.com/

How to Assess Risk

Most jobs come with some element of risk, that’s why it is vital that you have adequate home business insurance to protect your interests whether you work for someone else or you run your own home business. Employers need to take five steps to ensure that an adequate risk assessment has been carried out.

• Identify hazards
• Think about who could be harmed and how
• Assess risks, taking appropriate action to remove or reduce them as much as possible
• Record your findings
• Check risks periodically and take additional action if needed

Identify Hazards

An employer is required to look at and think about what might cause harm to their homeworkers (or others) that might arise as a result of them working from home. It might become necessary for an employer to visit their homeworkers in order to carry out a risk assessment, but homeworkers might also be able to assist by identifying hazards on their employer’s behalf. Small or less-likely hazards are no less important than larger/more pressing ones and should not be ignored when assessing risk. This might mean that issues regarding protecting children from harm must be considered and acted upon even when they might seem more remote than a more immediate danger (for instance, potentially harmful substances and materials should always be kept out of their reach).

Who Could Be Harmed and How

Employers need to consider who might be harmed by a homeworker’s work and how. This isn’t just limited to the homeworker and the direct risks they face whilst working, but also the risks posed to all members of the homeworker’s household and visitors to the home at all times when their work might present a hazard.

Assess Risks, Take Appropriate Action

Should the employer discover a risk that they feel could be dangerous to the health and safety of a homeworker (or to anyone else in the home), then they have to think about what can be done to mitigate the risk or remove completely where possible. The action that will need to be taken will depend on the scope of the risk involved and the likelihood of an incident occurring based on who is likely to frequent the house. This can be demonstrated by understanding that the likelihood of a child getting hold of dangerous chemicals and swallowing them is much higher if there are actually children in the house; if there are no children in the house and none ever visit, the need to prevent children being able to reach dangerous chemicals is far less pressing. If there is no risk, the employer needs take no action.

Record Your Findings

If you have five employees or more, you are required by law to keep records of the more significant findings of your risk assessments. You also need to make a note of any steps you have taken, informing the homeworkers and any others who might be affected by the steps (and any work undertaken to implement them).

Check Risks Periodically and Take Additional Action

It is important to keep up to date with risk assessments after reasonable intervals, also undertaking a new assessment whenever the homeworker’s circumstances or job requirements change. The homeworker should be aware that their home insurance policy might be invalidated if they are doing anything other than light clerical or administrative work from home.

Whole Life Insurance Choices

What is whole life insurance?
A whole life insurance policy covers you for your entire life, not just for a specific period such as term insurance. Your death benefit and premium in most cases will remain the same. Whole life insurance also builds cash value, which is a return on a portion of your premiums that the insurance company invests. Your cash value is tax-deferred until you withdraw it and you can borrow against it.
Are there choices within whole life insurance?

Yes, the most common choices include traditional, interest-sensitive, and single-premium whole life insurance policies. A traditional whole life insurance policy gives you a guaranteed minimum rate of return on your cash value portion. An interest-sensitive whole life insurance policy gives a variable rate on your cash value portion, similar to an adjustable rate mortgage. With interest-sensitive whole life insurance you can have more flexibility with your life insurance policy such as increasing your death benefit without raising your premiums depending on the economy and the rate of return on your cash value portion. Single-premium is for someone who has a large sum of money and would like to purchase a policy up front. Like other whole life insurance options, single-premium whole life insurance accrues cash value and has the same tax shelter on returns.
What are the benefits of choosing a whole life insurance policy over other types of life insurance policies?
Unlike term life insurance, a portion of your premium money goes toward your cash value which in turn could pay off your entire policy only after a few years. Also, your premium will remain constant during the time you are covered unless you choose otherwise. And, unless you make a change to your whole life insurance policy, you have lifelong coverage with no future medical exams. Whole life is also a good choice because of the tax savings.
Should I purchase a whole life policy for an investment?
The rate of return on a whole life insurance policy is very low compared to other investments, even with the tax savings factored in. Most investment professionals would agree that life insurance should not be used solely as an investment tool and you should judge your policy choices on the protection and not the rate of return. But, if you are in need of life insurance, the tax benefits and cash value is an added bonus when purchasing protection for your loved ones.

A Low Cost Life Insurance Policy Option

Need low cost life insurance? Take a look at the budget friendly option of a term life insurance policy. Term life insurance policy premiums are generally much cheaper than cash-value policies (universal and whole), especially if you are young and in good health and a low cost term life insurance policy does exactly what you expect it to do by financially taking care of your beneficiaries if you die. Here's the basics of a low cost term life insurance policy:
Purchasing a Term Life Insurance Policy

You buy a low cost term life insurance policy with a specified time period, usually one, five, or ten years. During that "term" you pay a specified premium. Your beneficiaries will receive a death benefit if you die during the term of the life insurance policy.
Facts About a Low Cost Term Life Insurance Policy
Seems simple enough, right? Well, as with all insurance, there are little complexities and loop-holes you need to fill. For instance, the death benefit may not be the same throughout the term life insurance policy depending on whether you choose decreasing, level, or increasing term life insurance. And, what about when your term is over? That's where renewable and convertible term insurance comes in. Take for instance you want a basic 10 year low cost term life insurance policy with the death benefit to stay the same throughout the term life insurance policy, and at the end of the term you would like to "convert" to a different term life insurance policy such as a cash-value policy, without taking another medical exam. In that case you would choose a level term convertible life insurance policy.
Deciding if a Term Life Insurance Policy is for You
Term life insurance does not build cash-value or have the tax benefits like universal or whole life, but it can be a great option for someone who would like life insurance, but can't afford the higher premiums. Here is a check-list to help you decide if a low cost term life insurance policy is right for you:

You're on a budget and cannot afford a very high premium.

You are young, and in good health.

You are looking for a simple, straight-forward, low cost life insurance plan to protect your beneficiaries. Talking to Your Insurance Agent About a Term Life Insurance Policy
When checking with your agent on term life insurance, ask a lot of questions. Generally, agents do not receive as much commission on term life insurance verses cash-value policies so you may have to probe a little for more information.

Considering Disability Income Insurance

Can you believe that according to some estimates one out of every ten persons will become permanently disabled before age 65? If you became that “one” and you could not perform your current job, what options would you have? For most people this would be a financial tragedy, and unfortunately most rely solely on Social Security, or workmen’s compensation and unemployment insurance from their employers to cover any unexpected disability. The trend of relying solely on these forms of disability income coverage is unfortunate because the maximum benefits from these sources, in most cases, is very limited and most people would have to dramatically change their lifestyle to survive on these types of disability income alone.
Considering a disability income insurance policy from your insurance agent is an alternative to consider for people who realize the risk of becoming disabled and want to protect their current income and standard of living.
Disability income insurance is designed to replace one’s income when they are no longer able to work due to a disability. There are many different elements that make up a disability income insurance policy so it is important to understand when and how one will receive the disability income if the need arises. For example, one will need to know how their policy defines and covers short and long-term disability and total disabilities. In addition, it is also important to know if there is a waiting period for the income to kick-in and how or if the income from the disability insurance policy will affect Social Security, workmen's compensation or unemployment benefits. There are also different types of policies to consider such as choosing a short or long-term policy period. Another key element to look for when choosing a policy is knowing if it covers disabilities from both accidents and illnesses. Here is a list of questions that will be important to ask and discuss with your agent when considering a disability income insurance policy:
1. What is the definition of disability in my policy?
2. How long will I receive my benefits?
3. How much will I receive? (usually a % of one’s current salary)
4. Will my benefit amount adjust for inflation?
5. Is there a waiting period before my benefits kick-in?
6. Can I get partial benefits if I can still work part-time?
7. How will my benefits affect my Social Security, workmen’s compensation, or unemployment benefits?
7. What are the exclusions of the policy?
8. Is the issuing company strong financially?
9. Can I renew my policy without doing another medical exam?
It is best to meet with a few agents to compare policies and quotes and don’t be afraid to ask a lot of questions. If you are working with an agent who does not answer your questions to your understanding, it is best to find an agent who is willing to take the time to help you understand the policy in-depth. Like any insurance policy, disability income insurance has many different coverages that need to be understood and it is especially important that you know what you are getting and when, since this will be the income you and your family may be depending on in the future.

Considering Long Term Care Insurance

Thinking about one's finances 20, 30, even 40 years in the future is becoming more common. Investing in 401K's and IRA's are also common to secure a pleasant and enjoyable retirement. But what if everything does not go as planned and you need help with your daily living activities as you grow older? Do you have enough in your retirement savings to live in the assisted living home of your choice? What if you want home care? Long term care insurance is designed to provide you help with these services due to a long term illness or long term disability.

Average costs for nursing home facilities can range anywhere from $30,000-$70,000 a year. Don't count on Medicare or Medicare Supplemental Insurance to pick up the bill. If you can qualify, Medicaid may pay up to half of the cost. Choosing long term care insurance can help you pay for costs of a nursing facility or home care if the need arises such as a long term disability or other long term illness. The guidelines below will help you determine if long term care is something to look into:
Who Should Consider Long Term Care Insurance?
1. You have a large amount of income or assets and feel you probably would not qualify for Medicaid.
2. You don't want to rely on assistance from the state or other sources such as relatives.
3. You can afford to pay the premiums. (Depending on your tax situation there may be tax benefits.)
4. You currently have health problems or have a family history of a long term illness. (Once you have a long term illness or long term disability you probably would not qualify to purchase a policy.)
If you feel you may fall into any of the categories above, it is important you find out more about where to purchase a long term insurance policy. Your employer may offer long term care insurance as a part of your benefits. If not, you can purchase an individual long term care insurance policy from your insurance agent. As always, every state has different insurance regulations, therefore it is best to check with your state on specific determining factors and qualifications.