May 8, 2018

Q: Is it a good idea to look for online car insurance?

A: Online car insurance can help you to find the best deals as you can search information quickly. In many instances you can compare rates and quotes side by side to see who is offering the best deal on coverage. You can also read the information that is part of the guidelines for any insurance policy. This is important to do and you can do so without feeling pressured to move forward with the purchase.

Online auto insurance is also very convenient as you can shop for it 24/7. You can not walk into an insurance company at 7 pm, on a Sunday night to find out what they offer. You may be able to call their customer support but chances are you will be on hold for a while. Then it looks to take them forever to go through their sales pitch before you can give them the information to offer quote.

Compare the rates you get on the Internet can allow you to make the very best decision as to which company to go with. You can also look for more information than just the prices. You can compare customer service, the types of coverage offered, and even find out what you are required to have by law just by entering your zip code. Online car insurance is very fast and convenient when it comes to helping get a great deal.

We strongly encourage you to obtain some online auto insurance quotes from several different companies. It is fast, easy, and you might be shocked at just how much money you could be saving on your coverage. …

The entire process ofwriting has been known to upset many people who apply for disability insurance. This is mainly because people have unrealistic expectations and their agents do not prepare them for the process. This article is an endeavor to explain the disability insurance underwriting process so that people have better understanding.

If you are applying for disability insurance (DI), it is important to realize that you will not get a policy exactly as you applied for. The underwriter can reduce the amount of coverage, place exclusion riders, increase the rate, decrease the benefit period or even offer you a completely different policy. The other end of the spectrum is complete denial of coverage.

The first step for getting the insurance is to fill the application. Do not expect your agent to fill it out for you as this can cause you a lot of damage to your Medical Information Bureau file. Take time to fill out the application yourself and make sure you fill it out in detail. This will ensure that there will be no follow-up questions during the ongoing process. It will also eliminate the need for doctors' medical records.

When you come to the part about explaining your occupation, make an effort to put yourself in the best possible light without lying. The higher the occupational class given by an underwriter, the lower will be your premium rate. For example, a computer consultant is graduated lower than a computer engineer. Therefore, an engineer pays a lower rate than a consultant. It is quite possible that your occupation is something vague so you should make an effort to give a complete picture of what you do. If necessary give a breakdown of your time which includes travel or meeting clients.

The application also has a section for financial history and most insurance companies will want to know what you are currently earning and what you earned in the last couple of years. This should be supported by a W-2, tax return and / or pay stubs. When it comes to disability insurance underwriting, you will always get an offer based on what your financial status is and the amount of documentation you can give to verify it. For example, you are making $ 150,000 but can only produce documents for $ 100,000, you will get an offer for $ 100,000 and not the other way round.

The third and most important part of your application is your medical history. An underwriter will want to see your medical history for last 10 years. Therefore, the more information you supply to the underwriter through your application, the less information he or she would have to dig out. Make sure you list every doctor you have visited in the last 10 years, along with their addresses and the reason for visit. …

Man's journey on the road to success begins at the age of accountability and continues on a daily basis for the rest of his life. As soon as a child is wise enough to claim any money given to him / her as 'my money'; That child is ready for Financial Literacy lessons.

Many nations are experiencing economic quagmire now. This could have been greatly minimized if not totally eliminated. How could the present economic predicament have been avoided? Answer: if leaders of today, as school children then, were taught the essential principles of wealth creation and sustenance. It saddens me how nations with large endowment of human and natural resources are doing so poorly.

The same phenomenon applies to children of wealthy parents, at least majority of them. Studies show that a high percentage as high 90%) of the children of wealthy people do not end up wealthy in life. At best, they just earn enough to get by in life. This is because they never learn how to make, to keep and properly use money. They were either taught nor disciplined on how to operate the essential laws of wealth creation.

Unfortunately, financial literacy is not taught in most schools; It is not part of the school curriculum at all. As parents, whether wealthy or poor, we all fervently wish better standards of life than we ever had for our children. Parents struggle to ensure that their offspring do not live the lives of hardship and poverty which they themselves had to go through.

Yes, it is quite tasking to teach the concept of money management to young children but they need to know the basic skills about money and they need to learn it NOW.

There are people who believe children have no business learning about money; But the truth is that habits are formed from an early age. It is the habits we teach our children that they will grow up with and live by. So many adults find it difficult to save today because they were never taught the habits of saving money and using it wisely.

Let us help our children and our future; Let us join hands to eliminate financial illiteracy. Let us cooperate to build nations that will stay in peace with each other because everyone is comfortable. Starting with one child, your child, we can turn around the economy of our nations for the better. YES, We Can! …

Most of the people you, a foreigner, would be interacting with in your India business speak good English and they would likely be wearing Western style clothes. They would have most of the same consumer products city people have all over the world nowadays. But don’t let this fool you, as India is an ancient culture, which has many contextual rules of behaviour and etiquette.

Though etiquette and business behaviour in India is not so radically different from the Western style as business behaviour is in Japan, Korea of India, there are significant differences. The good news is that most of these behaviours and mindsets can be learnt if you do your homework before meeting the Indians. Here are some quick guidelines.

The golden rule is: Be always sensitive to the context.

When doing business with India, never –

  • Make the other person lose face. Though this is not as serious as the Chinese face saving Gei MianZi(, it is very important. Avoid shouting at an Indian or reprimanding her/him in front of peers.
  • Accept every ‘yes’ as a real yes. Learn to recognise the “NO” as Indians don’t say NO directly, unless it is a crucial issue.
  • Lecture about poverty, dirt, bribes and social ills to Indians as they might interpret it as condescending coming from a foreigner. Indians are proud of their rich history and appreciate intelligent discussions with mutual respect, so avoid preaching about democracy, social equality and women’s rights etc.
  • Get nervous over frequent interruptions, digressions or bargaining in meetings and negotiations.
  • Expect quick commitment as all decisions take time and may involve people not present in meetings.
  • Never use your left hand for eating, serving, or taking food or in fact handing over or accepting things. The left hand is considered the toilet hand and thus taboo.
  • Address business partners by their first name unless given permission to. Seniority is important to the Indians especially if you are dealing with a State owned enterprise or government body. Indians are more informal than other Asians and in some sectors the atmosphere may seem very egalitarian and informal.
  • Get upset when someone asks personal questions about your age, marital status, income, and family background.
  • Buy the same gifts for everyone in the same organisation. You need to show respect according to rank and seniority. Buy better gifts for the senior managers instead of buying the same for everyone.

In addition to the above rules of behaviour, a genuine understanding of the other’s position, an appreciation of the other’s culture and achievements goes a great way towards A forming a long-term give and take two-way relationship.

As in business with other Asians, doing business with the Indians is difficult if mutual trust and respect have not been achieved. Try to make this your main focus. Gaining mutual respect is the key to managing relationships with the Indians. When you gain the respect, you have the foundation for a long-term business relationship.…