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As we mentioned in the previous article, we know that corporations generally are started by it’s original shareholders who provide the start-up cash or assets in exchange for their shares. The corporation may eventually be owned by a large number of shareholders. In this article, we will discuss the structures of corporation shares and types of shares that corporation can issue. There are 2 types of corporation shares: common shares and preferred shares. These shareholders have certain rights:

1. Common share holders

a) Advantage

* right to share in growth of earnings and assets.

*right to sell shares.

* right to vote on Board of Directors and certain issues.

* right to attend company meetings and examine the books.

* right to annual report.

* receive a tax credit on Canadian corporate share dividends.

b) Disadvantage

* last to receive a portion of assets on wind-up of a company.

*dividends are only paid when declared and are related to amount of net earnings.

*dividends are paid after bond interest and preferred share dividends.

2. Prefer share holders

a) Advantage

* dividends are paid before common shareholders but after bond interest

* bonds holders come before preferred shares at the wind-up of the company.

b) Disadvantage

* Less indication of company ownership

* Corporation dividends are usually fixed by the share certificate and affected by the profitability of the company and the intent of the Board of Directors.

I hope this information will help you understand more of the right of corporation shareholders. If you need more information, please visit my home page at:

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With the many choices of insurance plans out there, you have to ask yourself, ?Which one should I take?? What’s more, if you are not familiar with the insurance terms such as premiums and deductibles, you may end up getting a plan which may be too expensive or offer lesser benefits than you had expected. So when choosing a plan, you need to be certain whether you want to get an individual health insurance plan or a group insurance plan.

Individual health insurance plan vs. group insurance plan

If you want to get an individual health insurance plan, you have to go to an agent. Individual policies have laws and regulations that are very different from the group or job-based insurance plan. As a matter of fact, the benefits and protection that individual policies offer are often not as good as the ones that the group insurance plan does. But of course, this varies from state to state.

One disadvantage of getting an individual health insurance plan is that you can be turned down based on your health status. Some insurance companies in some states do not offer coverage if you have any pre-existing conditions. But some do offer what they call a drug card. This will allow you to purchase prescription drugs but it will be covered by your individual health policy. When you think about it, the individual health insurance plan can be limiting, in terms of coverage and services.

If you are employed in a company, the group insurance plan is what your employer will offer you. They say that this is the most consumer-friendly kind of insurance out there. The best thing about this insurance plan is that you get coverage no matter what your health status is. Unlike in the individual policy, you can also get coverage for a pre-existing condition, but usually for twelve to eighteen months only.

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The Truth About Pet Insurance Review

The Truth About Pet Insurance Feature

The Truth About Pet Insurance Overview

Special Report Finally Reveals Pet Insurance Secrets They Don’t Want You To Know…

It’s one of the most difficult dilemmas for a pet lover

You are at the vet’s office, discussing the cost of treatment with your vet, and suddenly he lays it on you. The total cost of the treatment will be over ,900…

You look at your spouse, and you are both silently thinking… “We can’t afford this!” Because your pet is part of your family, your options seem very limited. After all these years of loving your pet, sadly, it all comes down to whether you can afford a ,900 vet bill that might determine his fate.

So you do what 92% of Americans are forced to do in this situation, you get out your credit cards and figure: “I’ll pay it off later”.
And now that you’ve put the vet’s bill on your credit cards, you’ll be paying double-digit interest on that vet bill, possibly for a lifetime. But… It didn’t have to be that way!

That’s because, had you purchased pet insurance beforehand, most of that ,900 bill would be reimbursed by your pet insurance company and you would NOT have to go into long-term debt for it!

If you’ve never had to deal with the above scenario, you’re one of the lucky ones.

According to PetPlace.com, total first-year costs for a dog can be as high as ,825 – and yearly costs can be as much as 5. A large chunk of your ordinary pet expenses are due to veterinary care: lab tests, physical exams, immunizations as well as parasite treatment and control.

Occasionally, however, a pet will fall victim to a more serious accident or suffer an unexpected illness that requires comprehensive medical care, or worse, surgery. It is in these more-serious situations that a good pet insurance plan comes to your rescue…

I realize pet insurance can be a confusing topic to the average person!

A simple Internet search will generate many results – but most of them are from pet insurance companies that just want to sell you their product, no questions asked. But…

How do you know that their pet insurance plan offers the correct benefits for your pet’s particular needs?

How do you know that the pet insurer is stable and will be there to pay the veterinary claim when it counts the most, when your pet is injured or sick?

And, most importantly, how do you know you’re making the right pet insurance choice today for your pet’s future?

The bottom line is, you don’t… Unless you do some serious research into the world of pet insurance!

Well, fortunately, I’ve done that serious pet insurance research for you and my research is available to you right here, right now. (Even if you’re reading this at 11 PM on a Sunday night)

The Truth About Pet Insurance” includes the following intriguing details – details the pet insurance industry does not want you to know:

Where you can get pet insurance for as little as a month!

What is “economic euthanasia”? And how you can easily prevent it…

The “hidden discount” you must know about that the pet insurance phone rep may not volunteer…

The key pieces of information you must have to get your free pet insurance quotes

Did you know – the number of pets insured in the United States (1.4 million) is increasing rapidly? Why this is a good thing for you

Have an unusual pet? The amazing list of pets that can be covered by pet insurance – tortoises, hamsters, reptiles, alpacas, pigs and sheep (and many, many more!)

Researched FACT SHEETS on 5 of the top pet insurance companies

For example:
The specialty pet insurer that offers incredible savings because they specialize in only insuring kittens and puppies under the age of one
The pet insurance company that covers a broad range of pets, including reptiles and exotic animals
The only pet insurer that offers congenital and hereditary disease coverage with no dollar or time limits per condition

Order “The Truth About Pet Insurance”, our 45-page guide and enjoy the peace of mind of knowing you’ve taken excellent care of your pets!

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