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Auto Insurance FAQs – These Answers Could Save You Money

1. What does it mean by laws regarding "car financial liability?"

These are state laws that require you to bear responsibility for injuries and property damage that occurs while you are driving and at fault.

2. What if I chose to drive my vehicle uninsured?

In most states it is mandatory to purchase liability coverage. The only exception to this would be if you stayed in either, Wisconsin or New Hampshire. Refusal to buy insurance coverage may result in fines, loss of license or possibly a jail sentence.

3. Will my policy cover anyone who drives my vehicle?

Yes, if that driver has your permission to be using the vehicle. Be clear about your policy. Your insurance company may require that anyone who resides with you and holds a license, be named on your policy. If that is the case and someone living with you drives your vehicle and is not on your policy, they will not be covered.

4. What are the recommended liability limits? (Auto Insurance FAQ # 1)

It is generally agreed that insurance agents that state minimums are not sufficient. The suggested minimum is 100: 300: 100. Namely:

o $ 100,000 for bodily injury per person
o $ 300,000 for bodily injury per accident
o $ 100,000 for property damage accident

The bodyily injury guidelines apply for all states, as medical costs do not vary much from state to state. But, property values ​​do vary significantly on an area by area basis. Think about increasing your property damage limit, if you drive regularly in areas where real estate prices are exceptionally high.

5. Do newly licensed teenagers need insurance?

Yes, they need to be covered. They should have their own policy or be named on the policy of an insured person with what they are living. In most cases, that insured person would be a parent or guardian.

6. What guidelines do insurance companies follow in deciding to renew or cancel a policy?

They assess whether a policy holder is a "worth risk." In doing this, they look at his / her driving record, credit history and how many claims the policy holder has filed … and possibly other factors depending on the insurance company. If all of these are squeaky clean, you do not have anything to be concerned about! …

A Quick Look At Unoccupied Property Insurance

Unoccupied property insurance has been designed for individuals who own homes that will be occupied for a short period of time. In most cases, an individual would want this type of insurance if they were selling their home and had already moved to the new home. Or, if a home is vacant while it is being renovated.

This insurance does not cover property in a home, as a matter of fact, the home must be unoccupied and there may be no holdings in the home for the insurance to be active. The process for selling a home can take up to six months. During this time, the owner of the home may move out of the home while the home is in the process of being transferred to the new owner.

If a home is damaged or someone is injured in the home before the new owners take possession of the home, the person who owns the home is liable. This coverage covers that period of time until the new owner takes possession of the home. The coverage is normally very restricted and covers liability only, so the benefits of a regular homeowners policy, such as a natural disaster or fire, are not covered.

The length of time that a provider will offer the insurance premiums as well as the rate for the coverage. Therefore, it is important that you know what level of coverage is needed, the length of time that you will need the coverage and the budget you have allocated for promotions. In most cases, this type of insurance is more expenses than for standard homeowners insurance because the level of risk to an unoccupied home is much greater.

Getting quotes from providers will give you a good comparison of the level of coverage that is offered and the length of time that the policy will be in effect. In most cases, providers offer this type of insurance for 3-12 months, depending on the circumstances for the vacancy.

A discussion with the provider will also help you to understand the exclusions and conditions of the policy. Some policies may be written to include theft of major appliances or damage from vandalism to the property. However, there is no standard for this type of insurance so reading the details in the quote provided will be an important step before making a decision on the policy that you select.

An insurance professional will be able to provide the information regarding how unoccupied property insurance can be of benefit to you when you are selling your home or leaving it unoccupied for an extended period of time. By getting the details you need to make a knowledgeable decision, you will be able to find the coverage that will meet your needs and requirements.

A person living in an area where their home will not be regularly checked will find that having unoccupied property insurance is a way to further protect your investment and keep your property in the condition that …

Popular Business Misconceptions Cost You Money!

Faulty information costs you money! Which of these
Popular business misconceptions do you believe?

Popular Misconception # 1:
"We Only Need Our Books Done Once A Year For Tax Provisions."
Are Your Accounting Records Adequate To Run Your Business?

Although it is important to keep records for tax purposes,
It is not the only reason (or even the primary reason) good
Accounting records should be kept. Another frequent reason
Clients request financial statement preparation is to obtain
Bank financing. Although important, this also is not the
Primary purpose of keeping good records for your business.

Good recordkeeping will enable you to extract meaningful
Financial information for your business that will help you
To manage it properly. If you can`t access this information,
You will not be able to manage your business properly. Bad
Management leads to business failure.

Yes, the primary reason good accounting records should be
Kept is to produce period (at least on a monthly basis)
Financial statements for management information purposes.
Only with this current financial information can you properly
Manage your business. This information can alert you to
Declining sales, excess expenses, tax opportunities,
Cashflow problems, and many other vital concerns for your

To be of value, this accounting system should be set up
With meaningful account categories and departments. It may
Be cost-effective to have an outside accounting service do
The monthly bookkeeping. However, with accounting software
That is readily available, you don`t have to be an expert
Bookkeeper to do your own books and extract meaningful
Financial information.

If you do your monthly statements yourself, it would still
Be prudent to have your accountant or business advisor help
You set up your system and, as well review such information
With you to discuss problems and opportunities.

Popular Misconception # 2:
"Writing My Hobby Off As A Business Loss
Saves Me A Lot Of Income Tax! "
Is Your Hobby A Tax Write-Off?

If your business has no reasonable expectation of profit, if it is a
Hobby and not really a business, you will absolutely fail in your tax
Objective. Since your losses are being incurred for a hobby and not a
True profit generating business, the tax authorities will take the
Position that you aren`t entitled to any discounts. This is a double
Blow. First, you`re losing money. Second, you`re denied tax deductions.

It is true, however, that if you enjoy what you`re doing, you`ll do
Better at it. You`ll be willing to work longer hours and you`ll be
Willing to put up with more hardships in order to make your business a

Rather than trying to have the tax system subsidize your hobby,
Why not turn that favorite pastime into a real, profit generating
Business? This is a doubly rewarding. First, you make money at
Something you love doing. Secondly, the tax authorities legally have to
Allow your reasonable expenses to earn your now substantive business

Prove that you`re running a business by running a business. Prepare and
Follow a …

There Goes My Teen Driver – and My Auto Insurance Premiums!

Driving has become a Rite of Passage for thousands of teens each year. Kids can not wait to experience the freedom of driving. Parents rue the upcoming worrisome days, sleepless nights and empty wallets. Unfortunately, due to their inexperience behind the wheel, auto insurance coverage is extremely high. There are a few ways to reduce the cost of car insurance for teenagers. Parents, have your teen read this, it could save you both a lot of money.

If you are a teen, first thing you should do is change your gender to female if you are not already one. If that is not an option you are willing to consider, there are other ways to help you save. Instead of buying that cool sports car or trendy truck, opt instead for a late model four door sedan or economy car. These late model granny mobiles will have updated safety features that auto insurance carriers love and have better track records for staying out of crashes. This tip alone could save you hundreds of dollars on car insurance and sometimes these older cars can be more fun. Ever try seating six in a sports car?

Take a driver's safety course and a defensive driving course. These courses are offered several times a year in larger cities and towns. Check with your local Bureau or Department of Motor Vehicles for places and times. Many auto insurance companies like when teens show the initiative to learn how to better their driving skills. It shows you are serious about safety and are committed to being a great driver. Participating in these courses can possibly save you up to 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on your insurance bill.

Keep your grades at a B average or above and it could save up to 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on car insurance from most major auto insurance companies. Higher grades also show responsibility and commitment, two things insurance companies like to see. The more you can prove you are a trustworthy teen, the better your rates will be.

Above all else, shop around. Sometimes it is cheaper to be added to your parents policy, then you can pay your parents the difference. Other times it is less expensive to get your own. Do your homework on auto insurance and have your coverage before you get your learner's permit. The majority of auto insurance companies will honor the coverage on your parent's car if there happens to be an accident, but will then charge back fees for up to 6 months and the policy will also increase in cost. Remember to honor the speed limit and avoid crashes by paying good attention to the road. Allow more experienced drivers to get behind the wheel in bad weather. Tickets and crashes will dramatically increase your car insurance coverage. …

Is There A Better Alternative To Pet Insurance?

If your home is like 72.9 million others in the U.S., it is home to at least one pet. According to the 2011-2012 APPA National Pet Owners Survey, 62 percent of households in the U.S. have at least one pet. It’s not hard to imagine why. Pets, whether furred, hoofed or winged, bring so much to our lives. But, along with unconditional love and unquestioning devotion, they can also bring significant vet bills. In fact, the APPA (American Pet Products Association) estimates that U.S. pet owners will spend $14.1 billion on veterinary care in 2011.

Some pet owners opt for pet insurance as a method of reducing the costs of routine and emergency vet visits. However, Consumer Reports recently published a review of several pet insurance plans. The review was not favorable. Their basic conclusion: “Pet insurance is rarely worth the price… Only in uncommon cases, when a pet required very expensive care, would the coverage have more than paid for itself.”

Here are a couple of reasons why a pet insurance plan may not be your best option to save on your pet’s healthcare costs.

1. Lack of Coverage

Most pet insurance companies promise to cover 70 to 90 percent of your pet’s veterinary costs. However, these companies have adopted much of the fine print that the large human health insurers use: cumbersome claims processing, deductibles, per-visit reimbursement limits and per-incident limits. They may also deny coverage for many common conditions, including those deemed “inherent to the breed” and “pre-existing” conditions. As a result, their insurance rarely covers more than 50 percent of a pet’s annual medical costs. And since they charge $400-$1100 for a policy, the insurance typically costs the average pet owner far more than it saves.

2. Poor Return on Investment

In the aforementioned Consumer Reports review, they analyzed the lifetime vet bills of Roxy, a 10-year-old beagle in Dobbs Ferry, NY. Costs were totaled for nine different pet insurance policies, calculating how much would be paid out in reimbursements. Over Roxy’s 10 years, none of the policies Consumer Reports evaluated would have paid out more than the cost of the plan. Even when treatments for several hypothetical serious ailments were added in, the average policy would only have saved Roxy’s family $65 over her lifetime.

Consumer Reports concludes: “We believe most pet owners will be better off passing up pet insurance.”

So what should pet owners do to help cover rising vet costs? Here are a few alternatives to help:

1. Financial Assistance

There are a number of financial assistance programs financed by grants and private donations. While each one has different guidelines and requirements, your local shelter is a good place to start. Many shelters have updated listings and information on financing opportunities.

2. Veterinary Discount Plans

Veterinary discount plans provide discounts on services at participating veterinarians, immediately reducing the amount you have to spend on routine and emergency care. In Consumer Reports hypothetical case of Roxy, the largest veterinary discount plan showed Roxy’s …

What Makes Something the Best in the World?

Anyone who experienced the recent performances put in from Usain Bolt can surely have no arguments that the Jamaican athlete is the best in the world when it comes to 100 and 200 metres sprinting. However, many people and organizations claim to be the best without necessarily having a way to quantify their claim.

So what really makes something or someone best? According to the Oxford English Dictionary, best when used as an adjective is defined as the most excellent or desirable type of quality or the most suitable, appropriate or sensible. And when used as a noun, best is defined as the most excellent or desirable, the highest standard one can reach or a record performance.

When Angela Smith, the Minister for the Third Sector, said that Britain’s charities and voluntary organisations were the best in the world, these specific definitions may or may not have been met but there is certainly an argument that Angela Smiths comments are true based on some impressive facts. Facts including that 73{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of UK adults take part in volunteering or that 78{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of people give to charity – the highest level of giving in Europe.

The UK voluntary sector may well be the best as they work tirelessly to support people, communities and make the national and international environment a better place.

And so what can we all learn from their efforts to become the best in whatever we do? To begin with, people and organisations who are deemed the best seem to share a few key traits and these are determination, a hard work ethic and a belief in what they do. Many people do not necessarily set out to be the best in their field but by having a positive mental attitude and desire to succeed, they can end us as the best. Clearly having a gift like Usain Bolt helps but even those athletes who are competiting against him know that even if they cannot be the best in the world, they can achieve great things by being the best they can.

Going back to charities, community groups and other voluntary organisations, nobody perhaps knows who is really best, but in reality this does not really matter as the work they do is superb and it benefits society and that alone is better than any best tag. Likewise for charities who are searching for charity liability insurance or trustee indemnity insurance, who is really the best insurance broker to choose from? Well perhaps they should instead focus on choosing an insurance broker who specialises in charity insurance and who can help them get the protection they need for the best possible price.

If you are looking for service providers, focus on what is best for you and there is every chance you will find the best one around.…

Assurant Life Health Insurance Products

Assurant Life is a nationwide health insurance provider operating in the individual, family and small group marketplace. They are best known for their consumer health coverage. Assurant offers several health packages to choose from with varying benefits, deductibles, and coinsurance options.

Plan Descriptions

Benefits offered will vary depending on the state where the prospective insured resides. In most states, two health savings account plans and three traditional plans are offered.

High deductible, catastrophic plans are very affordable for consumers on a tight budget. Additionally, monthly rates will be locked in for two years when a high deductible plan is selected. The SaveRight PPO HSA and the RightStart PPO are good choices for those who want basic coverage at a competitive price.

The MaxPlan, CoreMed Plan and One Deductible PPO HSA are better options for those who desire more comprehensive coverage. Naturally, these three plans are more expensive, but will offer comprehensive coverage should the insured have a claim. Doctor’s office co-payments and prescription drug coverage are offered with the MaxPlan and CoreMed Plan. Consumers also have several benefit options available including preventive care, dental and vision coverage, first dollar accident benefits, and/or a rx drug discount card.

Maternity Coverage

A competitive niche for Assurant Life is their maternity plans. Consumers can select a maternity specific deductible ranging from $1,000 to $10,000 (with most plans in most states). The deductible will not be subject to the overall health insurance deductible. This way, the insured can tailor the medical coverage to fit their needs.

The waiting period to conceive is only three months in most states. This is very reasonable wait when compared to coverage offered from most other carriers. Like all health insurance companies, this rider cannot be purchased if the proposed insured is already pregnant.

Health Network Options

Assurant is also unique in how the networks are structured. Typically, consumers can select from four or five networks in their state. Some networks are nationwide while others are regional. With several to choose from, it is not difficult to find a network that includes a desired doctor or hospital. Additionally, clients can change networks while the policy is in force. This is advantageous for those who are moving from state to state or need the services of a new doctor or hospital.

In summary, Assurant is a reputable health carrier offering both catastrophic and comprehensive plans to the public. Those who desire maternity coverage and/or robust network options should consider their offerings. Working through an experienced agent, consumers can enroll in a suitable plan for themselves, their family, or their small business.…

Top Five Homeowners Insurance Questions and Answers

Got homeowners insurance questions? Here are the top five homeowners insurance questions complete with answers.

What does homeowners insurance cover?

Homeowners insurance protects your home and your personal possessions from damage due to fire, lightning, burglary, vandalism, and acts of nature. It also protects you against liability lawsuits if someone is hurt in your home and they sue you.

How much insurance do I need?

You need enough homeowners insurance to cover the cost of rebuilding your home if it's destroyed, to replace your personal possessions if they're damaged, and to protect you from liability lawsuits.

To assess how much home coverage you need, get the square-foot building costs in your area from a builder or a realtor, then multiply that figure by your home's square footage. For coverage for your personal possessions, take an inventory on everything you own and use the total value. And for liability insurance, figure enough coverage to protect your assets in the event you're sued.

What about flood and earthquake insurance?

Most standard homeowners policies do not provide flood or earthquake coverage. If you live in a flood or earthquake zone you'll need to get additional insurance.

Where can I get cheap homeowners insurance?

Insurance premiums can vary by hundreds, even thousands of dollars a year from one company to another, so the best way to get cheap homeowners insurance is to comparison shop.

There are now websites that let you compare rates between various insurance companies. All you do is fill out a simple question, wait for your insurance quotes, then choose the cheapest one.

The better comparison sites even have a chat feature that lets you talk with an insurance professional online so you can get answers to all your insurance questions. (See link below.)

How do I find a good insurance company?

Most states maintain a department of insurance website that provides a host of consumer information, including claims that have been filed against insurance companies. If your state does not list consumer information, you can go to California's website (insurance.ca.gov) to get it.

JD Power & Associates rates homeowners insurance companies based on input from customers who own insurance policies with those companies. These ratings give you a good idea of ​​how an insurance company treats its customers and how it pays its claims. …

Do not Be a Cheap Freelance Writer!

Do you sell your writing for practically nothing? Do you respond to online "freelance banks" that promise the astonishing payment of $ 25 for a 500-word article, $ 100 for a print brochure or 59 cents per word?

Immediately stop selling yourself so cheap! If you have any writing talent at all, you deserve much, much more than many of those freelance-writing sites can offer.

It may seem tempting to take on these cheap jobs. You may think a little money is better than no money at all. But the time you spend writing a cheap article or ezine could be much better away looking for better paying jobs. They really are out there.

Do you really want to spend four hours writing an article that will bring you only $ 50? Your hourly rate would be a dismal $ 12.50. Even if you managed to work like that for 40 hours a week, which is extremely unilaterally, your annual revenue would be $ 25,000 at the most, assuming you took a two-week vacation.

How well can you live on $ 25,000? As a freelance writer, will you be able to pay your own health insurance (which may be $ 500 or more per month)? Will you have enough money to promote your business and bring in high-paying clients? Will you ever save for retirement or your children's college educations or your dream home? Will you ever pay off your debt? It's much less likely that you can do any of these things if you continue to be a cheap writer.

The Internet is loaded with dozens of sites promoting you all sorts of freelance work once you register (often for a fee). Many of these sites, although certainly not all, exploit young, inexperienced or desperate writers. Worst of all, they make it very difficult for good, decent, talented writers to make a comfortable living at their craft. Why should a client pay savvy Writer A $ 800 for a website article when Cheap Writer B will do it for $ 30?

Here's a typical scenario: Someone needs something written and heads for the Internet. They post their job on these cheapo sites and wait for the lowest possible bidders. These whippersnappers who think they can make good money cranking out $ 30 articles or $ 100 brochures shut out the experienced writers -the ones who know what their services are worth -. The truth is, you will never, ever be a prosperous writer if you accept low rates. In fact, you probably will be a miserable writer who will not last long as a freelancer.

As long as the world is filled with cheap writers, it's much harder for the rest of us to prosper. So I am imploring cheap writers to increase their prices. You will be pleasantly surprised when most clients will not balk at higher fees. You may find you get higher paying work because people perceive that you offer greater value when you change more. …

How To Choose The Right Renter's Insurance

We are all familiar with headlines like "Apartment fire leaves tents homeless" or "Victims of Tsunami still living in refugee camps". Most tenants do not bother to take out renters insurance because they feel that the landlord has home insurance.

The sad truth is that most landlords only take out insurance to cover their building. They are not concerned about the contents of the building. That should be your concern.

It is only in situations where the damage to the renter's associated was caused by the landlord that the renter would get compensations. Consider the area you live in and the fact that natural disasters do not take a poll before hitting an area. Do not leave yourself and dependents vulnerable to the whims of nature.

You may also live in a high crime area where breaking ad entry and vandalism has a high likely hood of occurring. Most times when thieves break into a home; they are not concerned by order. They are only interested in what they want to steal and in the process they leave the rest of your property in ruins.

You need to seriously consider taking out a renter's insurance. It may seem like work now but would come in handy when you are hit by any of the scenarios described earlier.

Do not think that you can keep jewelry and papers in a fire-proof safe, so you do not need insurance. What about your antiques, furniture, home equipments and other valuables that are not portable? Take out time to make a list of your valuables and what it would cost to replace them.

The value of your belongings is what would determine the amount of coverage you need because that is what the renter's insurance would protect.

Get quotes from different insurance companies and compare them so that you can choose the one with the best benefit and payment for you. …