tag:blogger.com,1999:blog-778340613847715402019-05-07T02:23:38.781-07:00Life & Business Insuranceprincessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comBlogger30125tag:blogger.com,1999:blog-77834061384771540.post-47939564054915823112019-03-05T08:46:00.001-08:002019-03-05T09:07:49.267-08:00How is the customs clearance cars in the USA<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-L8fWzbanYvE/XH6nqBf403I/AAAAAAAAAJM/pgK5ya7TinUnjzd_PL8qV7jNbhDtjAdgACLcBGAs/s1600/15.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="413" data-original-width="615" height="267" src="https://1.bp.blogspot.com/-L8fWzbanYvE/XH6nqBf403I/AAAAAAAAAJM/pgK5ya7TinUnjzd_PL8qV7jNbhDtjAdgACLcBGAs/s400/15.jpg" width="400" /></a></div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">In the US, it is difficult to import cars from another country, because its own auto industry is well developed here. With such large automakers as GeneralMotors, Ford, and Chrysler, Americans are “missing their eyes” for their cars.<br /><br />If an American drives a European car, this is a well-to-do person, since “non-American” cars in the US are flashily expensive. The reason for the customs clearance cars, but not in the usual sense for us. America has come up with ways to protect its own manufacturer, without using high rates of import taxes.<br /><br /><b>To import cars in the United States, the car must meet several criteria:</b><br /><br />• <i>Federal&nbsp;</i></span><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><i>motor vehicle safety standards</i></span><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><i>&nbsp;FMVSS</i> (FederalMotorVehicleSafetyStandards). Standards include requirements for systems to prevent accidents, impact resistance of cars and survival in it during an accident. They have hundreds of points of demand, and at times "cooler" than in any other country. In order for the car to be admitted to the American market, the automaker must make it specifically for the United States, using more expensive materials and components, equipping it with a variety of passive and active safety systems. As a result, the cost of such a machine compared with peers for other countries is significantly higher. And automakers give these cars only to their dealers in the United States. In other words, the private import of vehicles in the United States is virtually impossible;<br /><br />• <i>Standards for fuel consumption</i> - if the fuel consumption of a car is 11 l / 100 km and more, the so-called fuel tax comes into effect during customs clearance. It is determined by the US customs on the basis of its own standards, and not the data of automakers;<br /><br />• <i>Environmental Compliance Standards&nbsp;</i></span><i>EPA</i>,<span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"> which are also several times more severe than anywhere else.<br /><br />Compliance with all these requirements is confirmed by certificates. But, few manufacturers can get them.<br /><br />There is even a phrase on the website of the US Customs Service:&nbsp;</span><br /><div><blockquote class="tr_bq"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">“be skeptical about the statements of foreign dealers or other sellers that the vehicle they import meets these standards or can be easily brought into line with them.”</span></blockquote><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /><b>Taxes on auto customs in the United States:</b><br /></span><br /><ul style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">duty: for any passenger cars (both new and used) - 2.5%, for trucks - 25%;</span></li></span></ul><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"> <ul style="text-align: left;"><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">VAT - not available;</span></li></ul><ul style="text-align: left;"><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">excise - absent.</span></li></ul><br />If it seems to you that customs clearance in the USA is very cheap, then do not flatter yourself - just quite a few cars pass in America “face control” for import.</span></div></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-68542090967196855602019-03-05T08:39:00.000-08:002019-03-05T09:10:32.003-08:00In the USA, the court found Obamacare health insurance unconstitutional<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://3.bp.blogspot.com/-hDh6eOtlW2Y/XH6l4TxFG8I/AAAAAAAAAJA/Jzr30GUxwV4_1j-DCS_VIsjCpk1wYpRNQCLcBGAs/s1600/14.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="371" data-original-width="660" height="223" src="https://3.bp.blogspot.com/-hDh6eOtlW2Y/XH6l4TxFG8I/AAAAAAAAAJA/Jzr30GUxwV4_1j-DCS_VIsjCpk1wYpRNQCLcBGAs/s400/14.jpg" width="400" /></a></div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">In Texas, a federal court declared unconstitutional a law on affordable medical care, passed by former US President Barack Obama (Obamacare), according to CNN.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Experts in the legal field told the TV channel that this would not affect US medical insurance, but some states, including California, intend to appeal this decision of the court.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">California Attorney General Xavier Berrera called the decision to declare Obamacare unconstitutional "violence" and noted that the health insurance system adopted by Obama "has already experienced more than 70 unsuccessful attempts to repeal and passed the test in the Supreme Court."</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Recall, US President Donald Trump has repeatedly stated that one of his first steps as president will be the abolition of Barack Obama’s health insurance reform. Republicans are trying to replace Obamacare. In particular, they proposed to abolish the obligatory availability of medical insurance for every American, but to prohibit withdrawing insurance from already ill people.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">In 2017, the US Senate voted against repealing Obamacare. 49 senators voted for the document on cancellation, 51 - against.</span></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-64150047393771141022019-03-05T08:34:00.000-08:002019-03-05T09:22:59.462-08:00How to choose a car in the USA<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-o1YhwyYg1cQ/XH6k58YE8zI/AAAAAAAAAI0/DP_MgvSTdOwH19EbUuYyCRyA5fCqsc6awCLcBGAs/s1600/13.jpg" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="540" data-original-width="900" height="240" src="https://2.bp.blogspot.com/-o1YhwyYg1cQ/XH6k58YE8zI/AAAAAAAAAI0/DP_MgvSTdOwH19EbUuYyCRyA5fCqsc6awCLcBGAs/s400/13.jpg" width="400" /></a></div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">It is best to buy a car at an auction, and, moreover, not from dealers (more on this below), but from insurance companies.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">And you need to start with verifying the seller’s data. Availability of documents and certificates.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">It is extremely important to understand who sells the car, because, in principle, both companies and individuals can sell at auctions.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">The ideal option is when the car is sold by an insurance company. </span><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">In this case, the car is sold “as it is”, without “decorations”.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">And private persons (dealers) put up tuning cars at auctions, which is fraught with a large overpayment for poorly made repairs.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">This thesis is easily illustrated by the following example.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Outbuildings never make quality repairs! This is an axiom. It makes no sense for them to turn to professional craftsmen, spend money on original spare parts, etc.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Their task is to take a battered car cheaper, give it a “marketable” look and sell it as soon as possible. Often they do not even chase a large margin, they earn on the back of cars.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><br /><h3 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">What cars it makes sense to buy in the US</span></h3><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Buying a car in America for yourself, the question of subsequent liquidity should be important. In the end, your life circumstances may change, the car may become corny, etc. And after a year or two, you want to sell it.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">If desired, Toyota Camry or Hyundai Sonata can be sold quickly and at an average market price.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><br /><div style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><b>Here are some models that it makes sense to buy in the US or Canada:</b></span></div><br /><ul style="text-align: left;"><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Volkswagen Jetta</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Volkswagen Passat</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Volkswagen Tiguan</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">HondaAccord</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">HyundaiSonata</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Hyundai Santa Fe</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Mazda CX-5</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">BMW 5</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Lexus RX</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Tesla Model S</span></li></ul><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><br /><h3 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Damage assessment</span></h3><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">If you have never encountered car repair, trust it with a professional.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Damage to the mind may be “minor”. And dealers will do their best to convince you of this. Like, just a replacement bumper. </span><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><span class="tlid-translation translation"><span class="" title="">Only the wing is slightly wrinkled.</span></span> Only a new radiator is needed. Behind these damages actually bent spars or other serious "moments" can disappear.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Resellers are trying to make as little as possible photos from favorable angles for damaged cars. If you have doubts, it is better to attract a person on the spot who can take more photos of the car you are interested in.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Based on several dozen photos, an experienced professional can tell whether it is worth taking a car from the USA. Actually, many today and do. The service "remote troubleshooting" on the photo is becoming increasingly popular.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">The master can, with a high degree of probability, say how much a broken car repair can cost. To recommend to refuse to buy a car, the restoration of which will cost too much.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Of the obvious things that can be operated on and without the involvement of professionals, it is worth mentioning such moments - as practice shows, it is easier to restore frontal damage than rear ones, there is no need to get involved in “shifters” and “drowned” cars.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><br /><h3 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Buying a car at a US auction</span></h3><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">The main mistake that is made during the bidding process at the auction is emotions. Or rather, excitement.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">The main rule is not to confuse buying a car with playing in a casino. It is not worth the fight with other participants.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span> <span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Determine the maximum bid for you, do not rush, do not let emotions overwhelm you.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Y</span><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><span class="tlid-translation translation"><span class="" title="">ou still wait for your car</span></span>. Not on this auction, so on the next.</span></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-35851135393398028622019-02-19T12:42:00.000-08:002019-02-20T03:17:22.697-08:00Travel insurance: what to look for?<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-bNDxlLBUQDw/XGxnA1mN-WI/AAAAAAAAAIg/6mr-DI4OPows1ZKHRCYT7_VIfCky0biXACEwYBhgL/s1600/12.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="400" data-original-width="750" height="211" src="https://1.bp.blogspot.com/-bNDxlLBUQDw/XGxnA1mN-WI/AAAAAAAAAIg/6mr-DI4OPows1ZKHRCYT7_VIfCky0biXACEwYBhgL/s400/12.jpg" width="400" /></a></div><br /><br />Regardless of the season, most of us have a desire to go on vacation. And during the New Year holidays, this desire becomes simply irresistible! Wherever you go to a foreign tour or to the ski slopes, do not forget about the important "talisman" of your future travel insurance. <br /><br />Not all of us know that insurance is not a simple formality, but a very important component of the “travel suitcase”: it can help, perhaps, in the most difficult situation with health problems. It is thanks to the good choice of insurance to prevent many troubles.<br /><br /><div><h4 style="text-align: left;">WHAT IS THE MEANING OF TOURIST INSURANCE?</h4><br />Travel insurance is only needed for the sole purpose of solving possible health problems while traveling. If, for example, in Ukraine and the CIS countries most of the issues can be solved in a “manual” mode (you just need to remember to save money and take it with you), then in Europe, the US or China you cannot hope for this option. Moreover, when applying for a visa to any of the countries, insurance will be required.<br /><br /></div><div><h4 style="text-align: left;">HOW DOES TOURIST INSURANCE WORK?</h4><br />The principle of travel insurance is simple insurance company organizes and pays medical assistance to the policyholder in case of health problems arising during the trip. Another option is possible when the insurer compensates the client for the costs of treatment that he incurred while traveling. It is necessary to understand that the organization of medical care is not engaged in the insurance company itself, but in its partner, the service of assistance that the insured calls for health problems. For example, some insurance companies work with several such services depending on the countries and directions of travel. It is the employees of the assistance service who advise, organize the assistance and accompany the client.<br /><br /></div><div><h4 style="text-align: left;">WHAT TO TAKE ATTENTION WHEN BUYING TOURIST POLIS?</h4>&nbsp;</div><div>I must say that if you are traveling under a voucher or accompanied by a travel agency, then most likely your insurance issue has already been resolved. As a rule, it is solved formally, to obtain a visa at the embassy. But I am sure that this is not a reason not to understand the nuances, but also to rely on formal insurance. Many of my friends and colleagues in the insurance market buy an insurance policy for travelers on their own, instead of or in addition to the policy that is already included in the package from the travel company. <br /><br />Perhaps I would give 5 basic tips for those who choose travel insurance for themselves.</div><div>&nbsp;</div><div><h4 style="text-align: left;">5 TIPS TO TRAVELERS FROM THE INSURER</h4><br /><b>Tip 1. Check if the insurance matches the selected country of travel. </b><br /><br />If you get a visa, be sure to check out the list of accredited insurance companies at the embassy. If the insurer is not listed, its insurance will not be accepted.<br /><br /><b>Tip 2. Choose the right policy type. </b><br /><br />It is very important to choose the right type of policy, based on the regularity and length of trips abroad during the year. The simplest solution is a one-time policy for a specific number of days. The ideal solution for those who go just on vacation. But there are also policies that cover a certain number of travel days per year, regardless of when you go abroad. There are “unlimited” solutions to travel for a whole year, and the insurance will be valid. Naturally, such options will be more expensive, but for avid travelers, this is fully justified, all the more it is not necessary at every trip to think about purchasing insurance. For example, one of our regular customers makes an average of 20-25 trips per year, each for 3-10 days, including work abroad and vacation tours. In this case, the annual policy cannot do!<br /><br /><b>Tip 3. Pay attention to the amount of insurance coverage. </b><br /><br />It is set in euros or dollars. As part of this amount, the insurance company undertakes to pay for the prescribed drugs, as well as medical services rendered to you by medical institutions and specialists. As a rule, when traveling to EU countries, the standard insurance amount that the embassies require when issuing a visa is 30 thousand euros. The responsible insurance companies have a peculiar principle: the more exotic and remote the country the client goes to, the more substantial the sum insured we offer him. For example, when traveling to Thailand or Mexico, it makes sense to choose coverage of 60 thousand USD. What for? Because getting high-quality medical care in these countries is not an easy and very expensive task. On the Internet, you can find a lot of cases of experienced tourists who are faced with this problem. <br /><br />In addition to the sum insured, it is worth remembering about the franchise. A franchise is a part of the cost of medical care that the insurance company will not pay. <br /><br />So, if the insurance program provides a deductible of $ 50, and in the local hospital you have been rendered services for $ 200, then the insurance company will only compensate $ 150. <br /><br />The higher the deductible, the cheaper the insurance is the obvious pattern.<br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><b>Tip 4. Ask about what you are protected from insurance. </b></div><div><br />To do this, you need to consult with the manager in detail, or even better, carefully read the documents that you will be given when you make policy. There is a clear dependence of the cheaper the insurance, the fewer health problems it covers.<br /><br />The cheapest options include only emergency medical care and the elimination of pain. I strongly advise you to read the section separately. <br /><br />"Exceptions" in the insurance contract to understand when insurance does not work. For example, if you go on vacation to a ski resort and plan to ride injuries while playing sports should not be on the list of exceptions! Surfing, rafting, parachuting, diving, skiing about all the extreme plans need to tell the insurer and extend the standard policy you need coverage.<br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><b>Tip 5. Do not neglect additional services and programs. </b><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><br />A full insurance program, in addition to medical services, provides for the cost of an interpreter, the cost of telephone calls in the service, and other important options. So, if you are traveling with children, it is important that the option of paying for the flight for a child be included in the insurance, if you suddenly have to be treated abroad, and the children have to return home before you have completed the treatment.<br /><br />You can also include additional options in travel insurance, namely<span style="color: #073763;"><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">:</span></span><br /><br /></div><div><ul><li>Accident Insurance. There is an additional fixed payment for injuries or disability of the insured as a result of an accident.</li><li>Baggage insurance. Tourist luggage during flights and not only can be lost in this case will help this option. Baggage will be reimbursed by the insurance company</li><li>Insurance against the impossibility of travel. If the trip is canceled for reasons stipulated by the insurance contract, you will be reimbursed for its cost. A typical example is the health problems of a tourist or the embassy’s refusal to issue a visa without explanation.</li><li>If you are driving your car, it is important not to forget about the Green Card. If a driver abroad becomes the culprit of an accident, the insurance company will pay damages to the injured person instead of him. However, without the Green Card, none of our fellow citizens will be let through at the border.</li></ul>&nbsp;<h3 style="text-align: left;">What important we have not asked you yet?</h3><h4 style="text-align: left;"></h4><h4 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-OTpuj-Ebxq0/XGxnBA--uCI/AAAAAAAAAIs/V0Kz7abupwMX1Cyz1_Ya1xtee5SFYxWWgCEwYBhgL/s1600/9.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="https://4.bp.blogspot.com/-OTpuj-Ebxq0/XGxnBA--uCI/AAAAAAAAAIs/V0Kz7abupwMX1Cyz1_Ya1xtee5SFYxWWgCEwYBhgL/s1600/9.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1000" height="213" src="https://4.bp.blogspot.com/-OTpuj-Ebxq0/XGxnBA--uCI/AAAAAAAAAIs/V0Kz7abupwMX1Cyz1_Ya1xtee5SFYxWWgCEwYBhgL/s320/9.jpg" width="320" /></a></div></span></h4>&nbsp;</div><div>There is a very significant detail: in order to expect the insurance company to pay for your treatment, all actions must be coordinated with it through the help desk, which I have already mentioned. Insurance company managers always warn customers that their first action in case of health problems is a call to the helpdesk. If you are treating yourself without warning the insurer, it is possible that he may refuse to compensate you for costs when returning to Ukraine, even if you keep all the receipts and receipts for medical care.<br /><br />Practice shows that it is in vain: it is much easier to buy insurance (its cost is usually 3-4 times lower than when traveling abroad) than to take additional “financial reserve” in case of health problems, or to look for a hospital yourself in some unfamiliar village. Insurance here will be useful. <br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /><b><i>Just do not be afraid to use it and get only positive impressions from trips and travels!</i></b></span></div></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-90622957826645680602019-02-19T12:24:00.001-08:002019-02-20T02:54:25.372-08:00Travel Insurance in the USA<div dir="ltr" style="text-align: left;" trbidi="on"><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-X7zCI6zewO4/XGxlaRXBfsI/AAAAAAAAAIM/Hx4iRLf3Wtcv7TDx1px6LqqnuGYsxwg2ACLcBGAs/s1600/10.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="290" data-original-width="800" height="232" src="https://1.bp.blogspot.com/-X7zCI6zewO4/XGxlaRXBfsI/AAAAAAAAAIM/Hx4iRLf3Wtcv7TDx1px6LqqnuGYsxwg2ACLcBGAs/s640/10.jpg" width="640" /></a></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><b><br /></b></span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><b>Do I need medical insurance to travel abroad? Most likely, an American will not even have such a question - the inhabitants of the country with the most expensive medicine in the world are accustomed to the fact that all problems are solved by insurance since childhood. What is medical insurance in the US - consider in this article.</b></span></div><div class="MsoNormal"><br /></div><h3 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">US health insurance: how does it work?</span></h3><div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">The organization of the health care system in the United States differs significantly from that in most countries. It is dominated not by the state, but by private medicine, and private insurance, which until recently was, moreover, voluntary. This meant that the person could not pay for insurance, but was forced to pay in full for any medical services, which is very expensive. Therefore, on a voluntary basis, private health insurance covered more than 80% of the population at the end of the last century. For the most part, an employer pays for a medical insurance policy in the United States. With a tax of approximately 15% of the income that the entire working population pays, a state social insurance program is provided for unprotected segments of the population.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">In 2010, the </span><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><span class="tlid-translation translation"><span class="" title="">ex-</span></span>President Barack Obama introduced the new law - ACA (AffordableCareAct), according to which every legal resident of the country must enter into an agreement with an insurance company or pay a fine. In this way, the state programs Medicare and Medicaid (Medicaid) have received more funding - at their expense, the poor, people with disabilities, the unemployed, people over 65 or those who have lost their ability to work can count on medical care.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">The cost of health insurance in the United States depends on many factors: the type of insurance, the level of income, the state of health, age. The older a person is, the more chronic or genetic diseases he has, bad habits - the greater will be the monthly payment for the policy. On average, it costs 200-600 dollars per month for a “middle class” person, of whom the majority in the States.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">But do not think that insurance in the United States allows you to use any medical services for free. Depending on the type and cost of the policy, an American has to apply only to those institutions that accept its insurance, although coverage with popular insurers is very decent. But the recourse to “its” network of clinics does not guarantee free maintenance. As a rule, part of the cost remains mandatory for the patient. In general, medical insurance in the United States is more like a guarantee of protection against "excessive spending" that may be necessary in case of a serious illness or surgery.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Interestingly, the traditional exceptions from most insurance programs in the States are "eyes" and "teeth": to receive the services of an ophthalmologist and a dentist, you must enter into a separate insurance contract.</span></div><div class="MsoNormal"><br /></div><h3 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Travel Insurance in the USA</span></h3><div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-bJJfvfNfs4k/XGxlaZT1pOI/AAAAAAAAAII/yPWbrSDGCxIzfhKSacgwyTYS_-XNT5KfgCEwYBhgL/s1600/8.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="800" data-original-width="1000" height="320" src="https://2.bp.blogspot.com/-bJJfvfNfs4k/XGxlaZT1pOI/AAAAAAAAAII/yPWbrSDGCxIzfhKSacgwyTYS_-XNT5KfgCEwYBhgL/s400/8.jpg" width="400" /></a></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Living in America are accustomed to <span style="mso-no-proof: yes;">trusting</span> their doctors, who, in turn, provide them with the highest quality services. No wonder medicine in the United States is considered one of the most advanced on the planet, and people often travel to the country for the purposes of so-called medical tourism. Insurance companies clearly control all the services provided by doctors to patients, in particular, therefore, they do not recognize many “unconventional” treatment methods so popular in Ukraine. This includes all sorts of dietary supplements, droppers with vitamins and saline, herbal medicine, hypnosis, acupuncture, and the like. Our compatriot could have been surprised a lot when he learned that half of the popular drugs prescribed by Ukrainian doctors are not generally considered medicinal products in the United States and are not used.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">The cost of medicine in the States is so high that only the richest people can afford life without insurance, but they also prefer to have a good policy. In addition, there is not accepted to buy drugs at a pharmacy without a doctor's prescription - they simply will not be sold without a prescription. Such a conservative approach to health issues fosters a responsible approach among doctors, and among the population - discipline and lack of self-treatment.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Going on a trip abroad, an American is more likely to purchase travel insurance. There are several reasons:</span></div><div class="MsoNormal"></div><ul style="text-align: left;"><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">First, Medicare and Medicaid programs do not work outside the United States.</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Secondly, the internal insurance will not include the entire list of services that the traveler may need. Some programs allow you to reimburse the cost of medical services abroad, but this is not always <span style="mso-no-proof: yes;">convenient</span> since the tourist will have to keep on hand a large amount of money "just in case."</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Thirdly, almost every American is accustomed to filling out various electronic forms of policies and documents, which is not associated with additional stress - on the contrary, in a state with a rule of law and protected document circulation, a person has a <span style="mso-no-proof: yes;">psychological</span>calm and a sense of security.</span></li></ul><br /><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">To buy travel insurance in the United States, you must contact any reliable private insurance company. Experts recommend that American tourists purchase a policy that necessarily includes the cost of medical evacuation and repatriation, as well as having insurance coverage of $ 100,000 for the whole world.</span></div></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-85646148647732925082019-02-19T12:14:00.000-08:002019-02-19T12:14:36.131-08:00A new superbank will appear in the USA; insurance is getting more attractive<div dir="ltr" style="text-align: left;" trbidi="on"><br /><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-f7GvRJLxuBQ/XGxiw5wbQmI/AAAAAAAAAHw/7yYTttnPwmkC3W5xHazyrwp3sBeP3lJbACLcBGAs/s1600/11.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="355" data-original-width="645" height="352" src="https://2.bp.blogspot.com/-f7GvRJLxuBQ/XGxiw5wbQmI/AAAAAAAAAHw/7yYTttnPwmkC3W5xHazyrwp3sBeP3lJbACLcBGAs/s640/11.jpg" width="640" /></a></div><div class="MsoNormal"><br /></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, &quot;Times New Roman&quot;, serif;">Twitter report on the fall of monthly active users to 321 million from 330 million, concerns over the US negotiations and the growth of the global economy on Thursday caused IT, raw materials and materials to drop by 1.4% and the fuel and energy complex by 2.1%, reduced the main foreign indices by 0.9%: S &amp; P - up to 2,706.05; Dow 30– up to 25,169.53 points. At the same time, real estate securities - one of the two leaders of this year with a result of + 11.4% - continue to go up.</span></div><div class="MsoNormal"><br /></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">The reason for the fall is in the US commentary about the lack of chances for the leaders of America and China to meet until March. The exchange has been waiting for a clearer announcement of the meeting since December 25 and has regained most of the positions lost on intensifying the conflict between the two countries since the beginning of October. During this time, the ETF for IT and discretionary consumption added + 17% in dollars excluding dividends.</span></div><div class="MsoNormal"><br /></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"><span style="mso-no-proof: yes;">The joy</span> of a part of sectors was caused by strengthening the patience of the Fed in raising interest rates. Real estate and housing services were a plus of + 7% and + 6%, respectively, compared with October. Essentials returned only 1% below the beginning of October and increased by + 10% from December 25 on fears of a recession, which was expected among a quarter of Wall Street. The growth of manufactured goods by + 21% from December 25 is partly due to the increased aggressiveness of the defense doctrine and the increase in large international orders. But IT, part of the consumption and fuel and energy sector may be vulnerable.</span></div><div class="MsoNormal"><br /></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">According to S &amp; P, an increase of + 11% per year in dollars is likely with chances of 55% after reporting an absolute majority (about 70%) of disclosed S &amp; P companies. The day before yesterday, it showed only + 3.6% per annum of total returns including dividends, and today it is already + 7.0% per annum. This is a lot for one month!</span></div><div class="MsoNormal"><br /></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">The likelihood of a breakthrough in negotiations with China is 3<span style="mso-no-proof: yes;">%</span> since the specifics on the implementation of structural reforms and on the implementation of the IP protection plan in the PRC will be a success, considering that there has been a plan since 2010 and has been developed since 1994. I do not exclude, with a probability of 6% -8%, an agreement on royalties of Chinese companies towards the United States.</span></div><div class="MsoNormal"><br /></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">Among the risks, for example, the deadline for the Shatdaun on February 15, on the national debt ceiling on March 1, the possibility of lowering the US rating is still in force, then the road to the new arms race is open. The upward movement of the Nasdaq took into account past expectations of a deal with China and, over time, leads to profit taking as it moves toward the realization of these undertakings.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"><br /></span></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">Papers capable of growing by 20% are less and less, and growth in January was clearly part of the leverage, which can choose liquidity on a number of securities while taking profits. With a probability of 15%, you need to keep in mind the possibility of a side effect.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">With a probability of 3%, a combination of risks is possible, leading to a decrease of 30%, and with chances of 16% -18%, a drop of 20% is possible.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"><br /></span></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">So, from the baseline forecast for growth of + 11%, we come to a probabilistic forecast of profitability in the region of + 1.8%, which says a lot about the risks of decline. My baseline scenario is based on a unique combination of soft DCT and weak inflation with strong government support in many industries and suggests that it is not the worst option to diversify, including through alternative investments.</span></div><div class="MsoNormal"><br /></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">From positive news, a new, 6th largest bank will soon appear in the US: BB &amp; T has bought SunTrust and will now change the brand. Together, BB &amp; T and SunTrust will have $ 442 billion of assets, $ 301 billion of loans, $ 324 billion of deposits. Together, the top 6 US banks (JPMorganChase, BankofAmerica, WellsFargo, Citigroup, <span style="mso-no-proof: yes;">GoldmanSachs</span>, MorganStanley) earned more than $ 120 billion in 2018. This year we can expect about + 11% in dollars from the papers of leading international investment and credit institutions. Suntrust has already shown this growth, other banks are not.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"><br /></span></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">The merger, which is expected to close before the end of 2019, if approved by the regulator, is positive both for SunTrust and for the industry as a whole. In particular, for JP Morgan and BankofAmerica, the prospects for which we still do not appreciate the best way. The process of consolidation of the industry represents a certain risk for the positions of leaders only in the longer term, but it makes sense for active investors to wait until the exchange assesses the consequences of the news, and <span style="mso-no-proof: yes;">by</span> the trend at a more favorable price, when confirmation of improved business conditions in the form of accelerating lending rates.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"><br /></span></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">After negative reporting in the insurance industry, the number of candidates for purchase increases. The S &amp; P life and health insurance segment is priced at a year-over-year profit forecast at a very attractive level of 8.0, which was only at the beginning of 2014 and 2016. MetLife on this indicator is only slightly worse than the average, 8.25, which is understandable: a company with a high capitalization has a lot of weight in the sub-index. For this reason, I would rate the paper in the context of the indicators of the industry as a whole and would look at increasing profits when determining the potential for improvement.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"></span></div><div class="separator" style="clear: both; text-align: center;"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"><a href="https://1.bp.blogspot.com/-Zkx27YE59rI/XGxixadOsLI/AAAAAAAAAH0/hVFISQf4W-AJOkOcyabVtLYL4iAJF5WTwCEwYBhgL/s1600/7.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="900" data-original-width="1600" height="225" src="https://1.bp.blogspot.com/-Zkx27YE59rI/XGxixadOsLI/AAAAAAAAAH0/hVFISQf4W-AJOkOcyabVtLYL4iAJF5WTwCEwYBhgL/s400/7.jpg" width="400" /></a></span></div><br /><div class="MsoNormal"><span style="color: #073763; font-family: Georgia, &quot;Times New Roman&quot;, serif;">I think that in the very near future life and health insurance services will be in demand in America and around the world, and profit growth of +30% - + 40% per year in this sector will not be the rarest phenomenon. Against this background, a 5% reduction in the accounting value of Metlife is fraught with the consumption of capital. But if investors do not have the opportunity yet to find options for diversification with the help of other well-known securities of the sector - Aflac, Principal, Prudential, </span><span style="color: #073763; font-family: Georgia, &quot;Times New Roman&quot;, serif;">and</span><span style="color: #073763; font-family: Georgia, &quot;Times New Roman&quot;, serif;"> Unum - then Metlife is a good choice if we see the growth of the market as a whole. To buy these financial instruments, like any other, you need, of course, not half a pint, but with knowledge.</span></div></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-72957249954743772012019-02-19T11:53:00.000-08:002019-02-20T03:20:55.050-08:00In the USA pet insurance in 2018 spent 72 billion dollars<div dir="ltr" style="text-align: left;" trbidi="on"><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-bta_t9D8YgA/XGxegIsjFqI/AAAAAAAAAHk/G4hk4WPnwSM01XxeYV9LYXDfGjOhgDoAwCLcBGAs/s1600/6.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="320" data-original-width="467" height="273" src="https://4.bp.blogspot.com/-bta_t9D8YgA/XGxegIsjFqI/AAAAAAAAAHk/G4hk4WPnwSM01XxeYV9LYXDfGjOhgDoAwCLcBGAs/s400/6.jpg" width="400" /></a></div><b>Americans spend more and more money on pets, in particular on medical insurance for their pets. The pet products and services industry in the United States grew from 17 billion in the mid-1990s to 72 billion last year. Of these, $ 1 billion comes from medical insurance. About this reports the publication of UNN with reference to the Voice of America.</b><br /><br />Such goods and services for four-legged ones like funerals, cremation, fashionable clothes, smart collars, safe car seats, treadmills, frozen food are becoming the norm. Some employers even reimburse the cost of animal life and health insurance to their employees reports the publication.</div><div dir="ltr" style="text-align: left;" trbidi="on"><br />In veterinary medicine, they actively use magnetic resonance imaging, chemotherapy for cancer, acupuncture, water therapy, cataract surgery. Owners of health insurance for animals from one of the American companies pay an average of $ 30 a month. In case of need for medical intervention, the company covers part of the costs, but customers still have to pay, often several thousand dollars, the material says.</div><div dir="ltr" style="text-align: left;" trbidi="on"><br />As reported by UNN, 65-year-old Joey Henney from Pennsylvania lives with two alligators. One of them, Wally, 1.4 meters long, was registered by the man as an animal of emotional support, noting that it has a calming effect on people.</div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-17706308325750896422019-02-13T10:51:00.000-08:002019-02-13T11:01:01.963-08:00Insurance in the USA. Car insurance in California <div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-cd5W-eUltJ0/XGRlFOjPEWI/AAAAAAAAAHE/uCaK-LsrPMwlNG0QdXi22zco7K8_4CiowCLcBGAs/s1600/3.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="683" data-original-width="1024" height="266" src="https://2.bp.blogspot.com/-cd5W-eUltJ0/XGRlFOjPEWI/AAAAAAAAAHE/uCaK-LsrPMwlNG0QdXi22zco7K8_4CiowCLcBGAs/s400/3.jpg" width="400" /></a></div><h3 style="text-align: left;"><span style="color: #073763;">1. Types of policies</span></h3><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br />In principle, everything becomes clear if you say two words: MTPL and CASCO. <br /><br />The principle of operation of the Russian MTPL and CASCO is taken entirely from the insurance system in the USA. <br /><br />In this part of the comprehensive in CASCO in some states is optional, but in California, it needs to be included.&nbsp;</span><br /><div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><br /><h3 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">2. Parameters affecting the cost of the policy</span></h3><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br />What parameters are taken into account when calculating the cost of the policy for you personally: <br /><br />• age (up to 25 years insurance is significantly more expensive, since the insured driver in the category is the young driver and, according to statistics, most accidents are made by people under 26 years old, so the coefficients are increased for this category of persons) <br /><br />• availability of local rights (if you are a resident of the state, then you must have local rights, plus insurance is much cheaper with them) <br /><br />• driving experience (even the one who was in another country counts for as long as you need to send a copy of the rights) <br /><br />• availability of higher education (discounts up to 10% if there is a VO (especially if you are an engineer) <br /><br />• availability of stable work and high income <br /><br />• marital status and having children <br /><br />• type of the insured car, its age, and price, availability of a pledge for a car (credit/leasing is 10–30% more expensive) <br /><br />• availability of anti-theft systems <br /><br />• the presence of a garage (with it insurance can go cheaper) <br /><br />• credit history <br /><br />• driving history (were there any penalties for the last year, how many points for violations were removed, this item is most affected, as it characterizes you as a driver) <br /><br />• the presence of a certificate of the school of emergency driving (in fact, online re-read the brochure with the rules, can help knock out a discount of a couple of dollars) <br /><br />• the state where you live and you will use the car (where the accident rate by states is taken into account) <br /><br />• the county in which you live (again the accident rate by county, the median income of people living in the county and other less obvious parameters) <br /><br />• indicators of insurance premium payments for the previous year, for example, because of hurricanes on the East Coast in the winter of 2016 and a large number of payments, insurance companies increased policy prices from June 2016 for all states. <br /><br />Next, let's talk about the limits in coverage.&nbsp;</span></div><div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><br /><h3 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">3. Limits and conditions of payments</span></h3><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br />California in 2017 defined the following minimum limits for driver liability coverage (California Insurance Code §11580.1b): <br /><br />• $ 15,000 - damage/death of one person <br /><br />• $ 30,000 - damage/death of two or more persons <br /><br />• $ 5,000 - damage to property <br /><br />But! Of course, these minimum values ​​are not enough, since only one appeal of the victim with a small fracture will be more than $ 15,000, and payment for pain is necessary (moral damage can be 3 times higher than the hospital bill), payment of physical disability (sick leave, calculated by day based on the daily salary of the victim). Plus payment of lawyers, a fine, payment of damage to the property of the victim, etc. Naturally, the minimum coverage for this is not enough and the person will owe a huge amount of money. And then either sell everything or take out a loan. Plus, their own car will also be broken and it will have to either be disposed of for your money or sold without repair. Therefore, it is better not to save money on this and find a good CASCO with high limits. <br /><br />With CASCO easier, the most optimal is the limits $ 150.000 / $ 300.000 (damage to one person/damage to several people), uninsured motorist liability for $ 150.000, damage to property for the same amount, comprehensive for $ 50.000. <br /><br />In addition to the limits of sums in the coverage still, need to pay attention to how much you pay from your pocket before the insurance begins to pay its main part. This amount is called the deductible. It can be either fixed ($ 100, $ 250, $ 500, $ 1000, etc.) or as a percentage of the final payout amount (much cheaper when paying for insurance, but in the end, it can turn against you). <br /><br />That is, upon the occurrence of an insured event, you will need to pay out of your pocket a sum of, say, $ 200 in order for the rest to be covered by your insurance. A simple situation, you parked the car on the street, a certain asocial element decides to profit from something from your car and breaks the glass, opens the glove compartment, digs there and hides. You come in a couple of hours and see this disgrace. Your actions: compile the police report (the application to the police, most often online), take a photo, online from your personal account you submit a claim (claim insurance payment, describe the situation, attach the photo, the number of the application to the police). If you have comprehensive coverage - you are good, your insurance will cover the repair of your car and valuables missing from the glove box/car. Then you come to an authorized insurance repair center, where the service bills say for $ 1000, plus things for $ 500 are missing. You have under the terms of the policy deductible - $ 200. This means that you will now pay $ 200 out of your pocket, and the remaining $ 1,300 will be covered by insurance. Regarding the choice of auto repair shops, you can turn to your favorite service, but then all the negotiations about what to repair and for how much, you have to carry on with the insurance itself with the application of all accounts and not the fact that the insurance will cover everything. <br /><br />A similar calculation, if an accident occurs, your insurance compensates the damage to the injured party minus the deductible, and if there is coverage for you and your car, then you will repair it.</span></div><div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><br /><div class="separator" style="clear: both; text-align: center;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><a href="https://2.bp.blogspot.com/-17xnkTr1Jnk/XGRmaE7l3MI/AAAAAAAAAHY/FX66WjcC7AYoqn_56bhOIK0Ra6HtagFCQCLcBGAs/s1600/5.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="297" data-original-width="448" height="265" src="https://2.bp.blogspot.com/-17xnkTr1Jnk/XGRmaE7l3MI/AAAAAAAAAHY/FX66WjcC7AYoqn_56bhOIK0Ra6HtagFCQCLcBGAs/s400/5.jpg" width="400" /></a></span></div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">There is also the concept of total damage, this is when the insurance decides that the car is inappropriate to recover and pays an amount equal to the cost of the car on the market at the time of the accident. All costs for the disposal, storage, and transportation of such auto insurance assumes (but it also depends on the company where the policy was purchased, not all insurance behave so well). If you decide to keep the car yourself, then its status changes to salvaged and you must buy it from the insurance for an amount equal to the residual value of this car after the accident. Insurance deducts this amount from the payment for your car. But there will be another question, what will you do with it ... Not all salvaged cars can be registered after repair.&nbsp;</span></div><div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><br /><h3 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">4. Where to buy auto insurance? </span></h3><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br />You can go to sites - aggregators, drive in data, SSN number and get quotas. Then on the site of insurance to issue a policy. <br /><br />You can contact the agent who can find suitable insurance with discounts and further advise on issues related to it. The word of mouth is already working here, since finding a good agent is easier through acquaintances. <br /><br />Well, the option in the forehead, ask around friends who have some insurance, impressions and go to the insurance site. But this is far from a guarantee that the price you will have is the same low since everything is very individual. Discounts may even be for the fact that you also insured a house in the same company. <br /><br />In any case, everything is done via telephone and regular email. Even if no luck and accident happened.</span></div></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-16373945131785656502019-02-13T10:40:00.000-08:002019-02-13T10:55:52.337-08:00How do foreigners get a life insurance policy in the USA<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://3.bp.blogspot.com/-EzShKa1LnY8/XGRjuNauTDI/AAAAAAAAAG4/j9x6wyR5CFUNO-WXANX1UPL9mYH7t-R0ACLcBGAs/s1600/4.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="225" data-original-width="570" height="251" src="https://3.bp.blogspot.com/-EzShKa1LnY8/XGRjuNauTDI/AAAAAAAAAG4/j9x6wyR5CFUNO-WXANX1UPL9mYH7t-R0ACLcBGAs/s640/4.jpg" width="640" /></a></div><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"></span><br /><div><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span></span></div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Foreigners often buy a life insurance policy in the United States, since the American version is quite profitable. The cost of a life insurance policy issued in the United States is usually cheaper compared to products offered in other countries, and in some cases can offer great benefits, such as a guaranteed universal life insurance policy that may not be available in other countries. <br /> </span><br /><h3 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Family income </span></h3><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br />The most obvious reason to buy a life insurance policy is to protect your family. A policy purchased in the United States will provide protection regardless of the place of residence insured after it was purchased. The policy will remain in force as long as you pay for it. In the event of the death of the insured, the entire amount of the policy will be paid in US dollars to the beneficiary (beneficiary) upon presentation of the death certificate. <br /> </span><br /><h3 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Future income along with protection for loved ones </span></h3><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br />A life insurance policy can serve as protection for the family of the insured person, as well as a way of obtaining future savings for the insured himself. “Cash value” is a part of the coverage that can be used by the policyholder during life. As a result, insurance policies can generate non-taxable dividends, which can lead to a substantial increase in your cash value over time.&nbsp;</span><br /><div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><blockquote class="tr_bq"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Payments from the Cash Value are provided to the insured upon his request, as a rule, free of charge, that is, they should not be returned back. Also, these payments are not taxable. </span></blockquote><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><h3 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Property tax </span></h3><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br />Although US citizens and residents are exempted from property tax of $ 11.2 million (adjusted for inflation), non-resident foreign citizens - those who are not US citizens and have their main place of residence in another country, usually do not pay tax on the property only up to $ 60 thousand. The cost of residential real estate in the United States, acquired by foreign buyers, will almost always exceed this amount. <br /> <br /><br />In addition, the top tax rate increased from 35 percent to 40 percent in 2013.&nbsp;</span><br /><div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><blockquote class="tr_bq"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">This means that if a non-resident foreign citizen owns a place of rest in the United States, his heirs may face a tax of up to 40 percent of the market value of the house in effect at the time of the owner’s death. </span></blockquote><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br />The smart way to protect an inheritance from a possible high tax obligation to pay real estate tax is a life insurance policy. The US Tax Code considers life insurance for the life of a non-resident foreign citizen, rather than “located within the United States” and, therefore, is not included as part of the gross property in the United States. <br /><br />Simply put, the death benefit is not payable on property tax in the United States upon the death of the insured person and should not be inferior to the heirs and/or beneficiaries. Acquiring a life insurance policy in the amount of the estimated property tax can help ensure that the heirs and beneficiaries of a foreign non-resident citizen will have the funds necessary to pay any assessed property taxes in the United States.</span></div></div></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-17821052660733507712019-02-13T10:20:00.000-08:002019-02-13T10:55:32.706-08:00Insurance in the USA. General review<div dir="ltr" style="text-align: left;" trbidi="on"><span style="color: #073763;"><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://3.bp.blogspot.com/-QOFeplzDy9o/XGRf0zWUQvI/AAAAAAAAAGs/4mdGWrxvc78dw5dDNsB3NdibXQKoV_M2gCLcBGAs/s1600/1.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="color: #073763;"><img border="0" data-original-height="1067" data-original-width="1600" height="213" src="https://3.bp.blogspot.com/-QOFeplzDy9o/XGRf0zWUQvI/AAAAAAAAAGs/4mdGWrxvc78dw5dDNsB3NdibXQKoV_M2gCLcBGAs/s320/1.jpg" width="320" /></span></a></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">It is no longer a secret that for a successful and less painful life in “capitalist countries” a certain amount of insurance is required for all occasions. Without this, life is, of course, possible, but it will be very “painful” in case of any unforeseen situations.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">The main insurances that you need to purchase or receive immediately are: medical (general, eye, and dental), automobile and tenant liability insurance.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">If with <span style="mso-no-proof: yes;">health</span>insurance you can still pull a little up to 2 months and then not get a penalty for it, then with a car or with <span style="mso-no-proof: yes;">tenant insurance</span>it will not work. You may not be given an <span style="mso-no-proof: yes;">apartment/house</span>, where insurance is a requirement, or you cannot register a car without minimum insurance (analogous to OSAGO), you can get a penalty for not having it or even suspension of rights, and in some salons they will not even be allowed to leave without insurance on your newly purchased car.</span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span></div><div class="MsoNormal"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Therefore, when you move to the States, the first thing you have to do is deal with a huge number of types of insurance, their conditions, restrictions, and look for offers that are beneficial for you, since their prices vary greatly and can be simply unaffordable for beginners.</span></div><br /></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-24122903941074419802019-01-17T08:32:00.000-08:002019-01-17T08:34:11.314-08:00Homeowners & Earthquake Insurance <div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-oO2HG6-nN_c/XECt6Bt4P7I/AAAAAAAAAGA/4RZ9bl7px5AmeoFDVRG0YF7MmI1IE3VlQCLcBGAs/s1600/41.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="334" data-original-width="500" height="266" src="https://4.bp.blogspot.com/-oO2HG6-nN_c/XECt6Bt4P7I/AAAAAAAAAGA/4RZ9bl7px5AmeoFDVRG0YF7MmI1IE3VlQCLcBGAs/s400/41.jpg" width="400" /></a></div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;">Your home is your greatest asset. Of course, your ability to earn an income is a bit higher. You can protect that with one of our mortgage cancellation programs, but let us insure you through one of the many excellent homeowners insurance companies we represent:<br /> </span><br /><ul style="text-align: left;"><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><li>Lloyds of London&nbsp;</li><li>TOPA Insurance Company&nbsp;</li><li>Civic Insurance Company&nbsp;</li><li>Excel Insurance Company&nbsp;</li><li>Firemans Fund&nbsp;</li><li>Clarendon Insurance Company&nbsp;</li></span></ul><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><br />Earthquake insurance is available as a stand alone policy. In most cases you can keep your homeowners with your existing company and we will provide earthquake as a separate policy.</span></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-57222305197832469902019-01-17T08:22:00.000-08:002019-01-17T08:22:23.425-08:00Three Groups of People Who Benefit from Burial Insurance<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-sjCjftzMo6s/XECqzBqlG1I/AAAAAAAAAFk/nXYkgr3cfhYn2H-9TGwwiinbJFb5Xh18wCLcBGAs/s1600/40.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="363" data-original-width="800" height="289" src="https://2.bp.blogspot.com/-sjCjftzMo6s/XECqzBqlG1I/AAAAAAAAAFk/nXYkgr3cfhYn2H-9TGwwiinbJFb5Xh18wCLcBGAs/s640/40.jpg" width="640" /></a></div><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">If you are like most people, you dread the thought of having an insurance sales representative show up at your door or call you on the phone. The thought of having to refuse to buy a policy, despite the sales representative’s hard-sell tactics, can be enough to get you agitated just thinking about it. The reality is, not every insurance policy is something you should purchase. Some types of insurance are right for you; others are not.<br /> <br /> Burial insurance is a good example of this point. It is a great financial tool for certain groups of people who want a little extra financial protection relating to covering their final expenses. It is not a good tool for others. Knowing whether it is right for you comes down to knowing your financial position and your expectations for the future.<br /> <br /> Here are three groups of people who tend to benefit from burial insurance:</span><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"><br /> </span><h4 style="text-align: left;"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"> 1. Seniors without Life Insurance</span></h4><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"> <br /> Believe it or not, purchasing life insurance is no longer the foregone conclusion it used to be. There are plenty of seniors today who, for whatever reason, never chose to purchase whole or term life. Yet now they are over the age of 60 and beginning to consider their own mortality. Because of their age, whole or term life may no longer be either practical or affordable. Burial insurance is a good option for them.<br /> <br /> Burial insurance provides a way to pay for their funeral and burial expenses so that family members are not burdened with those costs. At the same time, it is very affordable for almost every consumer. There is actually no good reason for seniors in this group to not have burial insurance if they can afford it.</span></div><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"><br /> </span><h4 style="text-align: left;"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"> 2. Working Couples</span></h4><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"> <br /> Today’s working couples may find there are other things they want to put their money into rather than life insurance. For example, saving up 15% to 20% for a down payment on a home can be quite a financial endeavor. These young couples do not necessarily need to replace lost income in the event one of them dies, so a term or whole life policy may be overkill for their circumstances.<br /> <br /> Once again, burial insurance provides a way to cover those end-of-life costs at a very affordable price. The couple can choose a very good policy that does not cost a lot, thereby enabling them to put as much money away for a down payment as possible. They may consider term or whole life after they purchase their home and begin raising a family.</span></div><div class="separator" style="clear: both; text-align: center;"></div><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"><br /> </span><h4 style="text-align: left;"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"> 3. Those without Investments</span></h4><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"> <br /> In a perfect world, everyone would be involved in several different kinds of investments in order to secure their retirement and pay their end-of-life expenses. Nevertheless, this is not a perfect world. There are many American households that simply cannot afford to invest. Yet it does not change the fact that the passing of a family member will cost a significant amount of money.<br /> <br /> Purchasing burial insurance will certainly not provide a retirement nest egg or make one independently wealthy. However, it will relieve surviving family members of the expenses related to burying a lost love one. Better yet, it is an affordable way to cover those expenses.<br /> <br /> <div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-zQ4rwG0a7IE/XECrTQLx70I/AAAAAAAAAF0/m7uSCOSFdZEgezar9MY0s6AzMEOSUVfzwCEwYBhgL/s1600/39.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="225" data-original-width="570" height="157" src="https://1.bp.blogspot.com/-zQ4rwG0a7IE/XECrTQLx70I/AAAAAAAAAF0/m7uSCOSFdZEgezar9MY0s6AzMEOSUVfzwCEwYBhgL/s400/39.jpg" width="400" /></a></div>It is true that burial insurance is not an investment. It is also true that it is not a type of insurance that is right for everyone. Nonetheless, for those who can benefit from it, burial insurance can make a big difference at the time of one’s passing. If you have any questions about burial insurance, contact your insurance agent or an estate planner for help. Qualified and experienced professionals can answer your questions and explain how burial insurance could be an important component in your end-of-life financial plans.</span></div></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-32697864844776970692019-01-17T08:03:00.001-08:002019-01-17T08:32:52.506-08:00Burial Insurance Is a Tool, Not an Investment<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-FNcRavE0oLI/XECmtdd_upI/AAAAAAAAAFI/ZyNthpI_5NoeUGrr0pz3160SgLWPUhb1QCLcBGAs/s1600/38.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="800" data-original-width="800" height="320" src="https://2.bp.blogspot.com/-FNcRavE0oLI/XECmtdd_upI/AAAAAAAAAFI/ZyNthpI_5NoeUGrr0pz3160SgLWPUhb1QCLcBGAs/s320/38.jpg" width="320" /></a></div><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">The increasing popularity of burial insurance has resulted in a subsequent rise in media interest and exposure. Some of that exposure has been good; some of it has been bad. And unfortunately, a lack of understanding where insurance is concerned has led to quite a bit of confusion over whether or not final expense insurance is an investment. Let us establish right up front that it is not.&nbsp;</span><br /><div><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span></div><div><blockquote class="tr_bq"><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Burial insurance is a financial tool – nothing more, nothing less.</span></blockquote><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"> <br /> Critics of burial insurance tend to speak out against it because it is a kind of insurance that does not earn any additional monies as a result of paying into it. However, truth be told, term life insurance is a very similar product. It is also not an investment because it does not earn a return on the consumer’s money. The only type of life insurance that does generate a return is whole life.<br /> <br /> This does not make burial insurance a bad product not worth purchasing. Quite to the contrary, it is a very good product for some people who want to protect their assets from the costs associated with a funeral and burial. It is no different from those who purchase umbrella insurance or extra car insurance to protect their assets in case they are ever sued after an auto accident. All of these insurances have one thing in common: they are tools rather than investments.</span></div><div><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /> </span><br /><h3 style="text-align: left;"><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"> The Big Difference</span></h3><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"> <br /> So, what insurance can be used as an investment? It is called whole life. A whole life policy provides a death benefit upon the passing of the policyholder that is dependent not only on the premiums paid into the policy, but how much of a return those premiums generate over the life of the policy.</span></div><div><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"> <br /> </span><br /><div class="separator" style="clear: both; text-align: center;"><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><a href="https://2.bp.blogspot.com/-zbg-5FXoQZk/XECnCLVeRFI/AAAAAAAAAFU/g2QBS1K92AcFunx2BJsjptZT2jm4f-w_QCLcBGAs/s1600/37.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="300" data-original-width="573" height="208" src="https://2.bp.blogspot.com/-zbg-5FXoQZk/XECnCLVeRFI/AAAAAAAAAFU/g2QBS1K92AcFunx2BJsjptZT2jm4f-w_QCLcBGAs/s400/37.jpg" width="400" /></a></span></div><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Let us say you purchase a $500,000 whole life policy at age 40, with the expectation that you will be making payments until age 65. That policy will pay you a guaranteed amount no matter when you die. Nevertheless, you have the opportunity to increase your payment through investing. The insurance company takes the premiums you pay and invests them in certain financial instruments. Any profit generated is split between them and you. If those investments perform well, the payout on your policy could be substantially larger. If they perform poorly, your payout will be less.<br /> <br /> The benefits of a whole life policy should be obvious – especially in times of strong economic performance. Nonetheless, whole life policies are also more expensive and come with tax implications as well. Plenty of people are offered whole life policies but choose not to buy them because they can be quite expensive. That is the price of investing.<br /> </span><br /><h3 style="text-align: left;"><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"> Covering Expenses</span></h3><span style="font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"> <br /> Burial insurance will never promise you a return on your money because it is not an investment. It is nothing more than a financial tool enabling you to pay your own funeral and burial expenses upon your passing. As such, policies in excess of about $35,000 are hard to come by. You can purchase much smaller policies, as well. It is just enough to cover funeral and burial expenses so that your loved ones are not left paying the bill.<br /> <br /> If you already have a whole life policy or term life insurance, burial insurance may not be something that interests you. If you have no life insurance in force at all, you really should consider burial insurance to at least cover the costs of laying you to rest. Nevertheless, you should also consider it if you do not want funeral and burial expenses coming out of the death benefits afforded by your term or whole life.</span></div></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-7777046525784743312019-01-17T07:10:00.000-08:002019-01-17T07:10:15.845-08:00No Medical Exam Life Insurance Plans<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-PIucse8qAiU/XECaZBhF16I/AAAAAAAAAEw/hlBsJUoPcxEMWOZpYLDVYHzvbikdOCj0ACLcBGAs/s1600/35.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="533" data-original-width="800" height="266" src="https://2.bp.blogspot.com/-PIucse8qAiU/XECaZBhF16I/AAAAAAAAAEw/hlBsJUoPcxEMWOZpYLDVYHzvbikdOCj0ACLcBGAs/s400/35.jpg" width="400" /></a></div><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">Have you tried to get life insurance but were turned down because of your health? Are you an older person who is skeptical about the possibility of purchasing life insurance due to your age and a few underlying physical conditions? In both cases, no medical exam life insurance plans may be the answer. This kind of life insurance is specifically intended for those who cannot get traditional life insurance coverage.<br /> <br /> You may already be familiar with the concept of no medical exam life insurance if you’ve seen the TV commercials offering guaranteed coverage to seniors. What these policies offer, in a nutshell, is adequate life insurance protection that does not require a formal health exam to qualify. An applicant will not have to schedule an appointment with the doctor, undergo any sort of health screenings, or pass any kind of pre-qualifying exam. The desire to have life insurance and the ability to make premium payments are the only requirements.<br /> </span><h4 style="text-align: left;"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"> How Policies Are Underwritten</span></h4><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"> Anyone who knows anything about life insurance is aware of the fact that insurance is all based on risk. In other words, the insurance company is taking a risk that they will make enough money on insurance premiums to cover the cost of benefits plus profit. The policyholder is counting on getting more out of the policy that he/she pays into it. All things considered, the risk is higher for the insurance company when policyholders have significant health issues. So how do they get away with providing life insurance requiring no medical exam? Through underwriting.<br /> <br /> A company willing to underwrite this kind of life insurance is willing to assume a higher level of risk in exchange for higher premiums and lower policy values. Where a healthy 40-year-old willing to undergo a medical exam might pay $50 per month for a $200,000 policy, an individual purchasing no health exam insurance might pay $75 per month for $100,000 in coverage. As you can see, the greater risk carries with it higher premiums and lower benefits.<br /> <br /> Despite the underwriting circumstances, purchasing a no health exam life insurance policy is still better than having no insurance at all. At the very least, an individual should have enough insurance in place to meet their final expenses and provide a little bit extra to make up for lost income.<br /> <br /> One last thing to consider about underwriting is the difference between guaranteed issue and simplified issue. The differences boil down to health information. A guaranteed issue policy requires the applicant answer only a few simple health questions relating to smoking, alcohol and drug use, and certain conditions such as diabetes and hypertension. Simplified issue involves a longer list of questions and the possibility that the insurer will get copies of your medical records. With either policy, there is no health exam required. It is simply a matter of answering certain questions.<br /> </span><h4 style="text-align: left;"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"> Term and Whole Life</span></h4><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"> <div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-YPNxEYFbYvY/XECaYoeikAI/AAAAAAAAAEo/kzvdRIt4sR84kcfw43uNsK-u0h4e4Cy7ACEwYBhgL/s1600/32.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="373" data-original-width="597" height="248" src="https://4.bp.blogspot.com/-YPNxEYFbYvY/XECaYoeikAI/AAAAAAAAAEo/kzvdRIt4sR84kcfw43uNsK-u0h4e4Cy7ACEwYBhgL/s400/32.png" width="400" /></a></div>Life insurance policies requiring no health exam are structured very similar to standard life insurance policies. Consumers can choose between a term product and a whole life insurance policy. Term insurance provides a designated benefit for a certain amount of time, known as the term, during which the policyholder will make monthly premium payments. Once the term expires, so does the benefit.<br /> <br /> Whole life provides a defined benefit regardless of when the policyholder dies. It is insurance that remains in force for the individual’s entire life, even after premium payments have been completed. Whole life is often viewed as an investment because insurers invest a certain portion of the premium payments to generate a financial return.<br /> <br /> No medical exam life insurance plans offer individuals who do not qualify for traditional life insurance the opportunity to purchase coverage. You might look into it if you’ve been turned down for life insurance in the past. Yes, it does cost a little more and pay out less. Nevertheless, it is better than having no life insurance at all.</span></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-62794145722841970252019-01-17T06:58:00.001-08:002019-01-17T07:00:27.977-08:00This is How variable life insurance works<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-0YT7Cy8bwVM/XECXDMEYy6I/AAAAAAAAAEU/vnvrM2ESVSo_x0CGxj2Nd1oFE3HsTSqgQCLcBGAs/s1600/30.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="201" data-original-width="300" height="214" src="https://2.bp.blogspot.com/-0YT7Cy8bwVM/XECXDMEYy6I/AAAAAAAAAEU/vnvrM2ESVSo_x0CGxj2Nd1oFE3HsTSqgQCLcBGAs/s320/30.jpg" width="320" /></a></div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Permanent life insurance which has the freedom to manage your investment portfolio is known as variable life insurance.<br /> <br /> Typically, variable life insurance is the most expensive type of cash value life insurance. This is because unlike whole insurance, variable insurance gives you total control over your investments - what ever kind they may be money market funds, stocks, or bonds.<br /> <br /> The amount of times you can alter and update your investment portfolio is commonly unlimited also, but verify this with your insurance broker as some companies may have different rules.<br /> <br /> Since many of the benefits of variable life insurance are totally dependent on your ability to invest productively, you should be completely certain that you understand all risks involved before you purchase this type of policy. </span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><h4 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">The pros and cons of variable insurance</span></h4><span style="color: #073763; font-family: georgia, &quot;times new roman&quot;, serif;">Along with the freedom that is added with variable life insurance there also comes some risk. Since cash value of the policy depends upon the investments you make, the insurance company will not guarantee a minimum amount for this segment of your variable insurance policy.</span><br /><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"> <br /> They are not at all responsible for poor investments you make and, if your investments perform badly, you might be forced to forfeit your savings.<br /> </span><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">On the other hand, if you invest wisely, your cash value can increase substantially.</span><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"> <br /><br /> </span><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-fAcFvqpw23E/XECXC2MwOUI/AAAAAAAAAEc/GYvayHJyn9sjieeLmTI77wkQszSpXNW6gCEwYBhgL/s1600/31.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="300" data-original-width="640" height="187" src="https://4.bp.blogspot.com/-fAcFvqpw23E/XECXC2MwOUI/AAAAAAAAAEc/GYvayHJyn9sjieeLmTI77wkQszSpXNW6gCEwYBhgL/s400/31.jpg" width="400" /></a></div><div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">There are also considerable tax advantages to variable life insurance policies. The cash value segment is tax-deferred until the policy is redeemed. This means that unlike your own investments, your proceeds are not subjected to capital gains tax even when you change investments - so they grow tax-deferred.</span></div></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-20515521710658079772019-01-17T06:47:00.000-08:002019-01-17T06:47:11.724-08:00About Whole Life Insurance<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-YxJwfOBOuM0/XECU8WNXsnI/AAAAAAAAAEA/_tRI8v8yRXwJfRu-XZ1pdtQo1VLEwfFRgCLcBGAs/s1600/29.jpeg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="534" data-original-width="800" height="266" src="https://4.bp.blogspot.com/-YxJwfOBOuM0/XECU8WNXsnI/AAAAAAAAAEA/_tRI8v8yRXwJfRu-XZ1pdtQo1VLEwfFRgCLcBGAs/s400/29.jpeg" width="400" /></a></div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;">Whole life is a permanent type of life insurance coverage that combines a death benefit and accumulates a cash value. The face value is constant, and this amount will be paid if the insured person dies at any time while the coverage is in effect. Premium costs are unchanging and remain the same from the original date the policy goes into effect to the date of maturity. The policy is intended to mature at age 100-this is the age when premium payments would end and the cash value would equal the face value. At time of maturity, the face value would be paid to an insured person who is still living.</span><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><br /></span></div><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;">Even though whole life insurance policies are some of the most common types of life insurance purchased, most people don't plan on paying premiums until the reach the age 100. Many of us don't expect to live that long. It is more common that whole life insurance is used as a type of level protection throughout the income producing years. Once retired, many individuals begin to use the accumulated cash value to enhance their retirement income.<br /></span></div><blockquote class="tr_bq"><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;">Whole life insurance has an important part in financial planning for many individuals and families.&nbsp;</span></blockquote><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><br /></span></div><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;">Along with the death benefit or eventual return of the cash value, the policy has some other important advantages. In a financial crisis, you may barrow against the policy and the complete policy values may later be restored. If the policy is a participating contract type, it might also pay dividends.</span></div></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-76871235639974298222019-01-17T06:40:00.003-08:002019-01-17T06:40:41.768-08:00What Is Burial Insurance?<div dir="ltr" style="text-align: left;" trbidi="on"><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-7qo-WCQ0_bU/XECRRJ0_nSI/AAAAAAAAADo/AolC2ylXmOUFwcoGoqyPfhCpSiBZ5QRzACLcBGAs/s1600/27.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="565" data-original-width="849" height="265" src="https://1.bp.blogspot.com/-7qo-WCQ0_bU/XECRRJ0_nSI/AAAAAAAAADo/AolC2ylXmOUFwcoGoqyPfhCpSiBZ5QRzACLcBGAs/s400/27.jpg" width="400" /></a></div><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">Benjamin Franklin once said that “in this world nothing can be said to be certain, except death and taxes.” That’s only half true. The fact is that death is guaranteed to generate expenses that have to become the responsibility of the decedent’s survivors. Burial insurance is one way to cover those costs.<br /> <br /> Burial insurance is a form of life insurance that a person takes out to cover his/her eventual funeral and burial costs. Why would a person purchase this kind of insurance? Because the average cost of a funeral in the United States is fast approaching $10,000 – that is without all of the fancy bells and whistles. Add in a custom-made casket and a few other extras, and the bill could climb to $30,000 or more.<br /> <br /> The point to remember is that someone has to pay expenses related to your passing. Moreover, considering how costly funerals and burials can be, leaving those expenses to your survivors is just not right. They have enough to deal with. They do not need the pressures of having to figure out how to pay your final expenses.</span><br /><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"><br /></span><h4 style="text-align: left;"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">Choosing a Policy&nbsp;</span></h4><br /><span style="color: #073763; font-family: Georgia, &quot;Times New Roman&quot;, serif;">Burial insurance is no different from any other form of insurance in terms of choosing a policy. You will get the best policy at the best price by shopping around with various providers. The shopping experience involves looking at a number of factors including benefits provided and any exclusions or deductibles. A typical policy would cover some, or all, of the following:</span><br /><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"> </span><br /><ul style="text-align: left;"><li><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">casket and case for burial or urn for cremation</span></li><li><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">burial plot or vault – complete with headstone or vault marker</span></li><li><span style="color: #073763; font-family: Georgia, Times New Roman, serif;">funeral or cremation costs – including flowers, memorial services, and professional services.&nbsp;</span></li></ul><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"> <br />As you shop, it is important to know how each policy pays out upon your death. In some cases, the payout will be a direct cash benefit that your survivors will use to pay your expenses. In other cases, your insurance provider will work directly with the funeral home to cover your costs. In the latter case, making arrangements with the funeral home ahead of time makes it easier for you to determine approximately what your costs will be so that you can purchase enough insurance.<br /> <br /> Some insurance providers also allow you to pay for some expenses in full at the time of policy purchase. Doing this prevents cost increases that would otherwise be incurred at the time of your death. However, be careful of these kinds of plans. You could end up paying more in the long run.</span><br /><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"><br /></span><h4 style="text-align: left;"><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"> Paying for Your Policy</span></h4><br /><span style="color: #073763; font-family: Georgia, &quot;Times New Roman&quot;, serif;">Consumers who purchase burial insurance are given several options for payment. The first and least expensive method is to pay for the entire policy upfront. As with auto insurance, paying the entire policy in a single payment will save you financing costs and other charges.</span><br /><span style="color: #073763; font-family: Georgia, &quot;Times New Roman&quot;, serif;"><br /></span><span style="color: #073763; font-family: Georgia, &quot;Times New Roman&quot;, serif;">The second method is the installment method that we are all familiar with. The policyholder makes monthly payments based on the amount of coverage and the individual’s current life expectancy. Anything remaining unpaid at the time of death will have to be covered by survivors or the decedent’s estate.</span><br /><span style="color: #073763; font-family: Georgia, Times New Roman, serif;"> <br />Lastly, some insurance companies offer a graded payment model that links your annual payments to the amount of coverage you have. The more you pay in a given calendar year, the greater the payout in the event of your death. A graded payment plan makes burial insurance more affordable in some cases, but it also reduces coverage proportionally.<br /> <br /> <div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-_oEi8tJwkuw/XECRRtFkkxI/AAAAAAAAADw/h1WSk6KSNao9fxO62lN99f9lydI3gFkFACEwYBhgL/s1600/28.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="646" data-original-width="900" height="229" src="https://2.bp.blogspot.com/-_oEi8tJwkuw/XECRRtFkkxI/AAAAAAAAADw/h1WSk6KSNao9fxO62lN99f9lydI3gFkFACEwYBhgL/s320/28.jpg" width="320" /></a></div>Once you choose a burial insurance policy, there is one last thing to check before you sign on the dotted line. You need to find out if the insurance company makes any provision for a refund or cancellation. This is especially important in cases where insurance providers work directly with funeral home operators to settle expenses. There could be a problem if the funeral home goes out of business or faces some other difficulties in the years prior to your death. You will want to get your money back in the event of any such circumstances.<br /> <br /> Now that you know a bit more about burial insurance, you may want to consider it as a means of covering your own final expenses. Do not leave your family to absorb that cost on your behalf.</span><br /></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-16191105481717725102019-01-15T12:52:00.001-08:002019-01-16T08:08:01.113-08:00Commercial Liability & Business Insurance<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-HUc2Gky0S30/XD5GyZdYPII/AAAAAAAAADg/TKQEIhoAJCET2SJYyE7_PrWbkB355yzGwCEwYBhgL/s1600/25.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="284" data-original-width="425" height="266" src="https://2.bp.blogspot.com/-HUc2Gky0S30/XD5GyZdYPII/AAAAAAAAADg/TKQEIhoAJCET2SJYyE7_PrWbkB355yzGwCEwYBhgL/s400/25.jpg" width="400" /></a></div><div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Commercial Liability Insurance is a requirement for anyone in business - from the doctor and lawyer to the plumber and general contractor. We represent only California Admitted insurance companies.</span></div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /> Currently we have a unique program with the following features:</span><br /><ul style="text-align: left;"><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Rates are based on gross receipts instead of payroll</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">The standard rates are discounted</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Audits are on an annual basis instead of quarterly as they are with some payroll rating companies</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">We also provide liability insurance for Officers &amp; Directors, Attorney Professional Liability, and Medical Malpractice</span></li></ul><br /><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"></div><h3 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Contractors Insurance</span></h3><h4 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Coverage</span></h4><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">The policy is issued on either a claims made or occurrence form.&nbsp;</span><br /><div style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Coverage includes:</span></div><ul style="text-align: left;"><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">General Liability</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Property Damage Liability ($1,000 deductible, except roofers - $2,500 min deductible)</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Personal and Advertising Injury</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Medical Payments</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Fire Legal Liability</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Contractual Liability</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Subcontracted work - up to 40%</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Inland marine and property coverage can be written in conjunction with the general liability.</span></li></ul><h4 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Exclusions</span></h4><span style="color: #073763; font-family: georgia, &quot;times new roman&quot;, serif;">All policies exclude prior acts, roofers warranty, pollution, asbestos, punitive damages, assault and battery, condominium and townhouse work, tract housing development work, engineers, architects or surveyors professional liability, inspection, appraisal and survey companies, specific accidents, and additional standard exclusions.</span><br /><h4 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Limits</span></h4><ul style="text-align: left;"><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">General aggregate $2,000,000</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Personal and Advertising $1,000,000</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Products/Completed Operation $1,000,000</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Fire Damage Legal Liability $50,000</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Medical Payment Limit $500</span></li></ul><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">To Request a Contractors Insurance Quote.</span><br /><div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span><h3 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Business Package</span></h3><h4 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Programs</span></h4><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Some of our programs for business liability and property insurance are tailored toward the following types of businesses:</span><br /><ul style="text-align: left;"><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Auto Repair Shops</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Restaurants/Bars/Taverns</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Over 750 classes of business owner programs (BOPs), ranging from small to large, with 5 major insurance companies.</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Mobile Home Parks</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Night Clubs&nbsp;</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Large and Small - with or without entertainment</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Day Care and Residential Care Providers&nbsp;</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Up to $2 MM liability for general and professional liability. We can also cover the property.</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Computer Software Consultants and Developers</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">In-Home Businesses&nbsp;</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">For the small business person operating out of their home. Professional Liability is excluded. Maximum of $50,000 business personal property value. A maximum of 7,500 square feet of total floor area for the residence.</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Liquor Stores&nbsp;</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">We represent 2 of the insurance leaders for this type of business.</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Garage Facilities</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Upholstery Shops</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Smog Test Shops</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Muffler Shops</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Body Shops</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Break Shops</span></li><li><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">General Repair, including Transmission</span></li></ul><span style="color: #073763; font-family: georgia, &quot;times new roman&quot;, serif;">To Request a Business Package Program Insurance Quote.</span><br /><h3 style="text-align: left;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Workers Comp Programs</span></h3><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">We have access to over 100 special group programs for various classes of Workers Comp and can offer you the lowest possible rates.</span><br /><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-sjyEiSTvOpM/XD5GoVhCpGI/AAAAAAAAADc/o0SXvXdn9-Mv47BdYVNybJ66QfAEZkYZwCEwYBhgL/s1600/26.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="348" data-original-width="1023" height="135" src="https://1.bp.blogspot.com/-sjyEiSTvOpM/XD5GoVhCpGI/AAAAAAAAADc/o0SXvXdn9-Mv47BdYVNybJ66QfAEZkYZwCEwYBhgL/s400/26.jpg" width="400" /></a></div><div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br /></span></div></div></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-78779166504131472542019-01-15T12:28:00.001-08:002019-02-05T07:16:44.010-08:00How to Find Consumer Debt Relief that Suits your Needs?<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-qAe3lucU46I/XD5B4ek35zI/AAAAAAAAADA/zceW2ZK4Y246bwtVf5QLkfhWVrhqbGvaQCLcBGAs/s1600/22.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="399" data-original-width="600" height="265" src="https://4.bp.blogspot.com/-qAe3lucU46I/XD5B4ek35zI/AAAAAAAAADA/zceW2ZK4Y246bwtVf5QLkfhWVrhqbGvaQCLcBGAs/s400/22.jpg" width="400" /></a></div><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">It is very common that lots of people are in a middle of debt; you may be even one of those who are under a huge burden of paying off their debts. If you choose the right consumer debt relief that would be able to address your problems, then your debt problems may be resolved through proper management and programs that would suit your lifestyle. Before you commit yourself into a consumer debt relief program, here are some pointers to remember:</span></span><br /><blockquote class="tr_bq"><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Assess first your self how you can better address your problem.</span></span></blockquote><br /><div class="separator" style="clear: both; text-align: center;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><a href="https://2.bp.blogspot.com/-6TH9v1tSslE/XD5CE8NWIjI/AAAAAAAAADE/3IB_FnLAz4sQDxr-VIz0kDVjIlXG9KStwCLcBGAs/s1600/24.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="800" data-original-width="1280" height="200" src="https://2.bp.blogspot.com/-6TH9v1tSslE/XD5CE8NWIjI/AAAAAAAAADE/3IB_FnLAz4sQDxr-VIz0kDVjIlXG9KStwCLcBGAs/s320/24.jpg" width="320" /></a></span></div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">There are people who wanted to take care of their debt problems by themselves while some need an expert to help them. Are you one of those people who can share honestly to another their current financial status and ask their help in order to alleviate yourself from debts? Then maybe the debt relief you need is in the hands of an expert.<br /><br />Remember that your situation is unique, that is why you just can’t compare your current status with that of a friend. You must not adopt whatever he is doing or his debt relief program. Choose a company that would better address what you need- based on your lifestyle, your resources, your spending habits, your debts that need to be paid. A good program would see to it that your resources can finance both your basic needs while taking care of your monthly payments of debts.<br /><br />A credible counselor can help you settle your debts by studying your finances and expenditures.<br /><br />It is important that you know how your program works, how you are going to pay your counselor, how you are actually paying your debts. Being knowledgeable of these things is essential for a successful program. In this way, you would also know if you are actually making a progress in reducing your debts.<br /><br />Make sure that you have the right program for you and in due time you will just be surprised that your debts are almost gone.</span></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-23590468485387034662019-01-15T12:06:00.000-08:002019-02-05T07:16:43.304-08:00Five Things to Think about for End-Of-Life Planning<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-Tks1a6LTQOk/XD48tJksPxI/AAAAAAAAACs/BH6Y_bqWavYC6Q2p9uy24-fKpsrDxIH7ACLcBGAs/s1600/19.jpeg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="534" data-original-width="950" height="223" src="https://1.bp.blogspot.com/-Tks1a6LTQOk/XD48tJksPxI/AAAAAAAAACs/BH6Y_bqWavYC6Q2p9uy24-fKpsrDxIH7ACLcBGAs/s400/19.jpeg" width="400" /></a></div><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">When was the last time you thought about your eventual death? Have you ever given thought to your future funeral or burial? These are uncomfortable things we tend to put on the mental back burner for as long as necessary. However, just as with every other area of our lives, ignoring the future can cause problems. It is better to pre-plan as many end-of-life decisions as possible.</span><br /><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><br />Pre-planning it alleviates much of the stress and pressure that can easily lead to poor decisions among surviving family members. Moreover, while it is not possible to plan for everything, planning for as much as possible is a big help. Here are five things to consider in relation to end-of-life planning:</span></span><br /><h4 style="text-align: left;"><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">1. How Expenses Will Be Paid</span></span></h4><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Costs for funerals and burials continued to go up every year. According to PBS, the average funeral in the United States now runs between $8,000 and $10,000. If you do not have a plan in place to pay those expenses, your survivors will be left to cover the costs. Fortunately, there are a number of different options. Most people will choose to purchase term or whole life insurance or invest in a pre-paid funeral plan. Others will choose burial insurance. Burial insurance is an affordable way to cover end-of-life expenses for those who cannot afford, or qualify for, standard life insurance.<br /></span></span><br /><h3 style="text-align: left;"><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">END OF LIFE</span></span></h3><h4 style="text-align: left;"><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">2. Burial or Cremation</span></span></h4><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Individuals need to decide whether they want to be buried or cremated. Cremation tends to be less expensive than interment because there are no caskets or burial plots to worry about. Those who do choose cremation have to decide what to do with their ashes. Will they be vaulted, stored at home, scattered, etc.?</span></span><br /><h4 style="text-align: left;"><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">3. Burial Plots</span></span></h4><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">If burial is chosen, the question of burial plots must also be answered. Far too many make unwise decisions about burial plots when those decisions are put off until the death of a loved one. It is a lot wiser to consider the location and cost of burial plots well in advance of meeting them. If entire families want to be buried together, it is also wise idea to purchase all of the necessary plots at the same time. Otherwise, they may not be able to find space as family members age and eventually die.</span></span><br /><h4 style="text-align: left;"><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">4. Estate Planning</span></span></h4><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">Estate planning is a very important part of end-of-life planning. How much you want to leave to your loved ones will determine, in part, how you pay for your funeral and burial. For example, if you have a relatively small estate and you want as much as possible to be left to your heirs, burial insurance may be a good option. On the other hand, a rather sizable estate that will be subject to significant death taxes would benefit from every deduction, including paying for funeral and burial expenses directly from the estate.</span></span><br /><h4 style="text-align: left;"><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">5. Putting Plans in Writing</span></span></h4><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"></span></span><div class="separator" style="clear: both; text-align: center;"><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;"><a href="https://4.bp.blogspot.com/-tOu2vHEidRw/XD48wGquKjI/AAAAAAAAACw/XHRiApQOfXw5oph1gPftOA_SvtuYZojfwCEwYBhgL/s1600/18.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="195" data-original-width="325" height="240" src="https://4.bp.blogspot.com/-tOu2vHEidRw/XD48wGquKjI/AAAAAAAAACw/XHRiApQOfXw5oph1gPftOA_SvtuYZojfwCEwYBhgL/s400/18.jpg" width="400" /></a></span></span></div><span style="line-height: 115%;"><span style="color: #073763; font-family: &quot;georgia&quot; , &quot;times new roman&quot; , serif;">All of your faithful planning may come to nothing if you do not put your wishes in writing. In other words, your surviving family members need to be made aware of the plans you have made as well as your preferences for decisions that cannot be made until after you pass. Write down all of your wishes, have the document notarized, and give copies to both your attorney and your family members.<br /><br />For the record, the Federal Trade Commission recommends creating a document that is separate from your will. A will is typically not opened until after someone’s passing and, when it is, it must go through the probate process. A separate document allows your funeral and burial wishes to be carried out immediately. Having to wait for the probate process would make it impossible to guarantee those wishes were honored.<br /><br />It is a good idea to plan for your eventual passing. Everything from burial insurance to writing down your wishes will go a long way toward making your passing as easy on your survivors as possible.</span></span></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-55237319660954908082019-01-15T11:52:00.000-08:002019-02-05T07:16:43.774-08:00Tax Filing Software: Making Tax Filing Simpler but Effective<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-lLYpHDZnT7A/XD44MUt4fFI/AAAAAAAAACY/wpRZ5dJ4otsuS57-h_Uk1wxt1XHqxAnNwCLcBGAs/s1600/16.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="333" data-original-width="500" height="265" src="https://2.bp.blogspot.com/-lLYpHDZnT7A/XD44MUt4fFI/AAAAAAAAACY/wpRZ5dJ4otsuS57-h_Uk1wxt1XHqxAnNwCLcBGAs/s400/16.jpg" width="400" /></a></div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><br />Taxes can really be a pain on the head. It is very important to file taxes on time. Nobody wants to mess up with the Internal Revenue Services (IRS). However, this doesn’t mean that you should settle for the common way of getting your taxes done.</span><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;">&nbsp;</span><br /><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><br /> There are dozens of tax filing software that are made available for you to get advantage with. With the software, there is no need for you to hurry to one of the top tax filing companies just to file your taxes. Consider the benefits it will offer you.<br /> <br /> There are two types of tax filing software. The first software is for free. Most tax payers call this a bonus since you don’t have to pay any amount. However, some people don’t want to take the risk of involving themselves to anything that is free. The only alternative here is for you to handle your taxes by yourself. Some even find this type difficult because the forms appeared to be confusing.<br /> <br /> What most people do not know is that free tax software are also reliable for a reason that it is capable of producing a free tax file with just a simple input from them. In other words, you can enjoy every last centavo of that refund without the need of giving money to any accountant.</span><br /><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><br /></span><div class="separator" style="clear: both; text-align: center;"><a href="https://3.bp.blogspot.com/-0UkAMM24ymU/XD44U1VvILI/AAAAAAAAACk/rvB6NBhjL60lZ-vSQKMA_DCt9XLStlrIACEwYBhgL/s1600/17.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="372" data-original-width="660" height="180" src="https://3.bp.blogspot.com/-0UkAMM24ymU/XD44U1VvILI/AAAAAAAAACk/rvB6NBhjL60lZ-vSQKMA_DCt9XLStlrIACEwYBhgL/s320/17.jpg" width="320" /></a></div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;">But if you want to be sure that your money is taking its right path, you can anytime purchase the paid tax filing software. Most of this software is proven for its reliability and accuracy. The following are examples of the paid software:<br /> <br /><i> TaxACT Deluxe </i>– this is suggested to those people who have uncomplicated tax returns. It has an appealing features and price which makes it a favorite of many of the tax payers.<br /><br /><i>TaxCut Premium</i> – best known for its fast tax preparation in an accurate interface. This is good for simple tax returns.<br /><br /><i>CCH CompleteTax</i> – the most reliable and fastest software for complex tax returns.<br /><br />If you are aiming for bonuses when filing taxes, you know what to choose.</span></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-11467000228310400452019-01-15T11:29:00.002-08:002019-02-05T07:16:43.161-08:00Faxless Payday Loan<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"></div><br /><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-IMJFs77pK8M/XD4ys7GJ2cI/AAAAAAAAACM/s5sSA2upG_4Gjg3yGsO2F7UCRewlmLnEwCEwYBhgL/s1600/14.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="187" data-original-width="270" height="221" src="https://2.bp.blogspot.com/-IMJFs77pK8M/XD4ys7GJ2cI/AAAAAAAAACM/s5sSA2upG_4Gjg3yGsO2F7UCRewlmLnEwCEwYBhgL/s320/14.jpg" width="320" /></a></div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;">How about trying a faxless payday loan? If you have recently tried to get a loan or cash advance from your own bank or credit union, then you know all the hardship one has to go through to obtain even a small loan. You have to submit a ton of paper and wait what seems like an eternity just to get your loan application rejected. <br /><br /> It is totally different when you apply for a faxless payday loan, the application is easy to fill out and it can be done in the comfort of your own home or office, this way of applying for a cash advance is not only easy it is also very discreet. When applying for a faxless payday loan you do not have to explain yourself to a bank clerk who never seems to understand your needs, and in the end will ask for more supporting documents or will get in to why you need the money.<br /> <br /> We do not mess about with what you need the money for, we understand that todays financial situation is hard and we have specialized ourselves in helping people like yourself to make the ends meet. So it does not have to be the hard way through your bank or credit union, why not try a faxless payday loan?</span><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><br /> We do not make the decision based on your past, so even if you have had some financial hardships earlier and you got bad credit, we are still willing to help you, as long as you fill our easy criteria's you are virtually pre-approved for a cash advance. So let the decision be made based on your future and apply for your faxless payday loan today.<br /> <br /> There are no hidden fee's or cost, what you see is what you get and you will always know the total amount you will have to pay back at the end of the term beforehand.<br /> <br /> Should you have the need to extend a faxless payday loan, then contact your lender as soon as the need arises and they will be willing to extend the term until the following payday.</span></div><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><br /></span><div><a href="https://1.bp.blogspot.com/-yI8JI5YhNY8/XD4ys2BsfCI/AAAAAAAAACQ/sRWdGpsP1-AYIcgwlIxgcAr1Tja_US0_wCEwYBhgL/s1600/15.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="400" data-original-width="600" height="212" src="https://1.bp.blogspot.com/-yI8JI5YhNY8/XD4ys2BsfCI/AAAAAAAAACQ/sRWdGpsP1-AYIcgwlIxgcAr1Tja_US0_wCEwYBhgL/s320/15.jpg" width="320" /></a><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;">The lenders we recommend have been helping Americans for years, and they know and understand that sometimes bad things happen to good people. So browse through our site and learn which service providers we recommend. Remember it takes less than 10 minutes to fill out a faxless payday loan application.</span></div></div></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-4767968143938180852019-01-15T11:13:00.000-08:002019-02-05T07:16:43.539-08:00FVS Finance<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-gjs_f5bt_2I/XD4wesbYBwI/AAAAAAAAAB4/uXeUTsAz180-n5CrZnBmmQ0xzagMs784wCLcBGAs/s1600/12.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="177" data-original-width="284" height="199" src="https://4.bp.blogspot.com/-gjs_f5bt_2I/XD4wesbYBwI/AAAAAAAAAB4/uXeUTsAz180-n5CrZnBmmQ0xzagMs784wCLcBGAs/s320/12.jpg" width="320" /></a></div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;">FVS Finance is the financial services division of First Vehicle Services. As a wholly owned division of First Vehicle Services, FVS Finance can provide your community with a simple method of financing your entire fleet and the managed services from First Vehicle. We offer a range of financial products, designed to meet your budgetary needs; from purchase lease backs to installment purchase financing. With the simplicity of a monthly payment FVS Finance provides your community with the entire suite of managed services your community has come to expect from the industry leader, First Vehicle Services.</span></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-88282592819097237512019-01-15T08:33:00.002-08:002019-02-05T07:16:44.105-08:00Why You Need to Put Your Money Into Playa del Carmen Real Estate Market?<div dir="ltr" style="text-align: left;" trbidi="on"><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://2.bp.blogspot.com/-ibGpH0muFD8/XD4J5JCzS8I/AAAAAAAAABs/1Oeui_q-OYEkqyDVE3rikR7CWIbS3ulQACEwYBhgL/s1600/10.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="315" data-original-width="730" height="273" src="https://2.bp.blogspot.com/-ibGpH0muFD8/XD4J5JCzS8I/AAAAAAAAABs/1Oeui_q-OYEkqyDVE3rikR7CWIbS3ulQACEwYBhgL/s640/10.jpg" width="640" /></a></div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;">Playa del Carmen is the fastest expanding city in Lat in The united state. And also the Riviera Maya is the fastest raising visitor location throughout the world! With those two elements, it is easy to recognize why investment chances in real estate around are thriving. Tourist in Playa Del Carmen is now one of the fastest expanding seaside communities in Mexico.<br /> <br /> The innovations here is low-rise, assuming regarding the regional setting, offering playa a a lot more enchanting and also authentic Mexican feel, unlike the incredibly marketed resort meet which currents in many locations worldwide. However, Playa del Carmen has actually the centers called for by premium tourists.<br /> <br />There are presently great deals of important for sale in playa del Carmen. This short article intends at suggesting and notifying individuals concerning minority well recognized properties in Playa del Carmen suitable for Investment. One of them Fives is a house which has a features park of 28,000 square meters, a health club and also health club, a seaside club with dipping pool and snack bar, done in addition to the conveniences provided by Karisma hotels and resort in your house by the sea are all the parts of your prize. It has Two and 3 Bedrooms, Terrace, Private Yard &amp; dipping pool, Solarium, Contemporary ecological Mexican style, High-end Upkeep, Karisma hotels and resort remedy, Rental Swimming swimming pool.<br /> <br /> To learn more on how to buy Playa del Carmen property see <a href="https://buyplaya.org/">https://buyplaya.org/</a><br /> <br /> <div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-NdT4uf_YK1o/XD4I0RP6-OI/AAAAAAAAABk/d8obPCEYdToDGlVBl2IAcst6inTOhbeKwCEwYBhgL/s1600/11.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="480" data-original-width="847" height="226" src="https://1.bp.blogspot.com/-NdT4uf_YK1o/XD4I0RP6-OI/AAAAAAAAABk/d8obPCEYdToDGlVBl2IAcst6inTOhbeKwCEwYBhgL/s400/11.jpg" width="400" /></a></div>An added one is Beachfront El Taj residences. It has been developed by among one of the most popular property management company in Playa. El Taj Beachfront Condominiums is situated in the Zona Primera (top location) of Playa del Carmen is the brand-new. Ideally located between the Caribbean Sea and also Fifth Ave. El Taj Condominiums provides you with complete ownership and also specific title. It’s an investment that you could possibly thrill in while gaining superb income. If you opt to rent your condo, we provide a property management service that resembles a 4 star hotel. An advanced digital booking tool permits you to keep an eye on the standing of your unit from the personal privacy of your home, while acknowledging that your site visitors are obtaining the advantages of daily house housemaid service, a concierge as well as friendly personnel.<br /> <br /> For property purchasers, each of these items factors to the truth that Playa del Carmen remains to be amongst the leading real estate investment alternatives, with a healthy and balanced tourism economy, as well as durable growth that attracts both massive private and government investment.<br /> <br /> If you would like to purchase a property in Playa del Carmen for investing chance go to <a href="https://akumalrealestate.com/">https://akumalrealestate.com/</a> they have the most effective real estate all over Riviera Maya.<br /> <br /> In an honest investment online forum, Playa del Carmen will be focusing on investment on the non-beach side of the federal freeway, consisting of universities, and also residential and also commercial designers. This will absolutely open brand-new Playa del Carmen land chances; lots acquired on this side of the motorway are still merely a 10-15 minute drive away from the beachfront, and will certainly have close access to superior buying and also bunches of activities.<br /> <br /> Any type of property location needs a host of elements to grow. Playa del Carmen is among minority locations which have all the top qualities to be the leading investment area in the region. Investing at the correct time and proper location is the secret to success and Playa del Carmen meets the bill flawlessly.<br /> <br /> For more information concerning how you can purchase Playa del Carmen real estate for investments take a look at watch this video.</span><br /></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.comtag:blogger.com,1999:blog-77834061384771540.post-57527245924318249562019-01-15T07:54:00.000-08:002019-01-15T12:17:17.031-08:00A Guide to Car Insurance<div dir="ltr" style="text-align: left;" trbidi="on"><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://4.bp.blogspot.com/-GLmBurKyHCU/XD4Buclrf4I/AAAAAAAAABU/-kD25Iw5bgM5nGHVPcpazAqR5Ig-0dZBgCLcBGAs/s1600/9.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="400" data-original-width="745" height="340" src="https://4.bp.blogspot.com/-GLmBurKyHCU/XD4Buclrf4I/AAAAAAAAABU/-kD25Iw5bgM5nGHVPcpazAqR5Ig-0dZBgCLcBGAs/s640/9.jpg" width="640" /></a></div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;">Get an car insurance company quote online in just minutes. <br />Average customer savings is 20% and the quote is free with no obligation!&nbsp;</span><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><br />Once you get your car insurance company quote online, you can purchase your policy online. <br />Car insurance and quote is very expensive and costs seem to rise every year. Your car insurance and quote costs are a reflection of the cost to repair cars and the costs of medical treatment of those involved in accidents. car insurance and quote companies spread these costs among all drivers. There are a lot of factors that go into your collector car insurance costs that are under your control.&nbsp;</span></div><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><br />Here are a few things to keep in mind when shopping for collector car insurance: <br />Every car sold in the US has a damageability factor assigned to it. It is usually higher for more expensive cars. Therefore, the more expensive the car, the more it costs to insure. However, some cars have very low damageability. For example, most of the mini vans have low damageability. That is why a $30,000 mini van will cost much less to insure than a $30,000 Lincoln LS. <br />The cars cost the same but the rating factors are different. That is why it is important to compare car insurance policy premiums before you buy that new car.&nbsp;</span></div><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><br />Deductibles can keep your online car insurance costs down. When comparing deductibles, decide how much of an increase in deductible (which is money out of your pocket in the event of a claim) compares with the actual cost savings. Some times, it isn't worth taking the higher deductible - sometimes it is!&nbsp;</span></div><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><br />The term "Liability coverage" is normally referred to when discussing bodily injury, property damage, and uninsured motorists coverage. You can purchase state minimum limits (which we do not recommend) all the way up to $500,000 of coverage. Higher coverage costs more. It is usually a much better buy to purchase higher limits. For example, liability limits of 100,000 per person, 300,000 per accident is more than twice the coverage of $50,000 per person and $100,000 per accident. However, the additional coverage may only cost about 15% more.&nbsp;</span></div><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><br />Just about all companies will charge you more premium for accidents that are considered your fault and all moving violations.&nbsp;</span></div><div><span style="color: #073763; font-family: Georgia, Times New Roman, serif; font-size: large;"><br />It pays to be the safest driver you can be.</span></div></div>princessbrevianhttps://www.blogger.com/profile/08585579615948580450noreply@blogger.com