231 Front Street, Lahaina, HI 96761 info@givingpress.com 808.123.4567

Excuses to Not Have Insurance

Have you ever wondered what goes through the minds of individuals who have a car but no car insurance? Do you ever let someone else drive your car? Have you ever wondered while driving if the person next to you has car Insurance? I think about it all the time. The truth is that there’s no real way to ever know who has insurance and who doesn’t have insurance until something drastic happens. I want to talk about some of the myths that I have heard either in person, on the radio driving or in court. Yes, I said court. You would be surprised of the responses someone gives a judge regarding not having car insurance.

One of the top excuses to not have car insurance is the mindset of not getting caught. If you have been in the car with someone without insurance you can normally tell by the way they’re driving. They are constantly looking in the mirrors, slowing down to avoid attention when they see a police car. As a car owner you should know that most states require drivers to have the states minimums for bodily injury and liability coverage to drive legally.

Another excuse is that their car is a piece of junk so no insurance is needed. Well, rather you think your car is junk or not they realize it or not the car gets you from one place to another. So, protecting your car is worth it. After all, working hard to purchase the car should give you the desire to preserve it? Just imagine your life without it. At the same time all vehicles require insurance no matter the condition.

You might hear someone say I have my own medical insurance and that should be enough to protect me if I get hurt. Personal insurance and car insurance are separate entities. If you think about it most people take out the bare amount of coverage on their jobs due to price. Do you realize when you’re in a car accident there are other cost involved? Will your work insurance pay for the ambulance expenses? These expenses can add up if there’s more than one car involved in the collision and it’s your fault. If you know you have the bare amount of coverage go ahead and get a quote for insurance that offers medical. That will give you one less thing to worry about.

I will never get sued is another saying people think is a reason to not have coverage for their cars. We live in a lawsuit happy society. People will sue you over the smallest of things and win because the either know the law or have a great lawyer. I learned from a popular movie that with the legal system that it’s not about what the crime is but rather what you can prove.

I got luck on my side. I can tell you right now that luck has nothing to do with someone wanting to steal, vandalized, …

The Advantages And Disadvantages Of 3rd Party Motor Insurance

Insurance coverage is some of the best tools available when it comes to risk management. Understanding 3rd party car insurance is essential if you wish to learn about the pros and cons which go along with it. This article will talk about the definition of third party auto insurance as well as the pros and cons that come with it.

Understanding 3rd party car insurance

Third party auto insurance is also referred to as liability coverage. These terms are used to describe a kind of insurance which will pay out a certain settlement to 3rd parties if your vehicle should be involved in an accident. Many countries have laws in place which state that is the minimum quantity of insurance coverage that all car owners need to have. This is because 3rd party car insurance will pay for any and all damage to a third party’s property that is a direct result of any sort of accident involving your automobile.

Various insurance providers have different deals available with regards to 3rd party vehicle insurance. It is up to you to determine which package and just how much coverage will be the best choice. If you choose a low amount of coverage then you may find yourself in a situation where your insurance policy doesn’t cover all costs related to damage to a third party’s property. However, high coverage limitations can cost you a great deal more in monthly premiums.

The Pros Of Third Party Vehicle Insurance

The biggest pro of getting third party vehicle insurance coverage will be the proven fact that you would be financially protected in the event that you are liable to pay for damage inflicted to another’s property as a result of an accident. Your insurance company would settle the total amount owing. If you did not have third party insurance you would then be taken to court and would need to pay for all damage from your bank account. Many people don’t have this kind of cash readily available.

The Disadvantages Of Third Party Automobile Insurance coverage

There’s truly only one notable disadvantage or downside when it comes to third party insurance coverage. This is the fact that many car owners feel like they are paying for something they will never make use of. Actually, numerous car owners are lucky enough never to require this insurance coverage. However, one cannot know when something like a collision or car crash will happen and therefore, you always need to be prepared if you wish to safe guard your own financial situation. In the event that a separate 3rd party car insurance policy is working out to be too costly every month then you should consider shopping around for an umbrella policy. These policies are comprehensive and are made up of some different types of insurance policies but because of the fact that you are opting for a package deal, you’d benefit from a huge saving.

The advantages that come with 3rd party car insurance policies far outweigh …

The Watchdog of the Indian Markets – SEBI

What is the SEBI?

SEBI, which is a revision for Securities and Exchange Board of India, which has functions similar to the SEC or Securities Exchange Commission in the USA. In other words the SEBI regulates the working of the financial markets in India, vis-à-vis investor protection and laying down of ethical standards for the working of the financial markets in India. This is why SEBI is also called as the watchdog of the Indian Markets. There have been many instances where SEBI has acted in the interests of the investor by preventing insider trading in various companies in the equity markets. Similarly there have also been cases when SEBI has acted in the interest of the small investor in the Mutual Fund Industry.

What is the mutual fund industry?

The origin of this industry in India is with the introduction of the concept of a mutual fund by UTI in the year 1963. Although the growth was slow at that time, it accelerated post 1987, when the non-UTI players entered the industry. Not everyone can time the equity markets as well as some investors do. For the benefit of those unfortunate investors who can not, there is the mutual fund industry. This is an instrument which invests in equities on behalf of the individual investor so as to maximize his gains. A mutual fund is a vaulted of equity investments which are done based on exhaustive research and development. This research and development is carried out by the asset management companies of the mutual funds. They are also called as AMCs. The product portfolio of these funds contains investments in equities which would yield good results over a period of time. The mutual funds are rated by various rating agencies. This rating is carried out by the agencies like CRISIL, etc. These funds tend to hedge the risks for the individual investor so as to minimize his losses. At times they may also concentrate on one particular sector.

Role of SEBI

The SEBI was first established in the year 1988. At that time it acted as a non-statutory body for the regulation of the securities market. In the year 1992, it became an autonomous body with independent powers. Through the passing of an ordinance, more powers were given to the SEBI. Now it independently regulates the securities markets with its independent powers.

The main objectives of the SEBI are as under:

  • Develops the securities markets
  • Promotes investor interest.
  • Makes rules and regulations for the securities markets.

As far as the functions of SEBI are concerned, it follows the following functions:

  1. Regulates the securities markets.
  2. Checks trading of securities
  3. Checks the malpractices occurring in the securities markets.
  4. Enhances investor knowledge, with regard to the markets by providing education from time to time.
  5. Regulates the stock-brokers and sub-brokers
  6. Promotes research and investigation.

SEBIs introduction of the SEBI (Mutual Fund Regulation) 1993 was established to have direct control over the mutual funds for both the private and the public sector.

2 CASES

How Significant Car Insurance Quotes Are

Planning to buy car insurance is really just easy but the situation is how to select the correct company. Some people have no single idea regarding how to do it while some are simply confused on which among the businesses should they go for. A lot of companies are there too which provides assorted interest rates. So the smartest thing to accomplish here is to collect lots of auto insurance quotes so it is also possible to match them. This way, choosing probably the most perfect insurance policy for the car could be done smoothly.

The best venue for clients get started on with these auto insurance quotes is nowhere else than the internet. A lot of insurance firms have created their websites which give and explains important information that revolves around their insurance policies. In order that you can lessen the doubts, you need to visit online companies that have reigned success for consecutive years. It is vital to choose those who have gained popularity and whose reliability will not disappoint you. Definitely they really are the safest and most perfect choices for auto insurance.

Once you visit their websites, it is also possible to come upon a web based insurance quote form that you are required to fill out in order that getting your quote from the company will likely be done. All you should do would be to type in some essential information that talks about yourself such us your name, address, etc. Right after filling out the form, the auto insurance quote will show up in a blink.

Aside from making use of the internet to know your auto insurance quotes, it is also possible to get them through approaching a good car insurance company. This step obviously requires you to exert effort making sure that requesting for the quote shall be done. Just exactly the same as what you are likely to do in the internet, you are likely to fill out a vehicle insurance quote form and supply some basic information. You will receive your quote once the company will post it. However, gathering car insurance quotes with the use of such step is indeed time consuming and you may not have the capacity to gather a lot. That is the main reason why the majority prefer to go online as compared with exerting too much effort without even getting assured.

You have to be aware of that vehicle insurance policies are not guaranteed by any auto insurance quotes. It only provides the chance to get an estimate with regards the car insurance policy. Gathering quotes gives you the chance to check them and you are required to select the very best among the businesses which provide the best interest rates.…

BCIN? Difference Between Designer, Architect and Engineer According to the Ontario Building Code

As I meet with new clients and friends every day, I commonly hear the same questions "What is a BCIN?" "When is a BCIN required?" Etc. Here is some clarification to the public on some important issues about choosing a company to provide you with plans. Please note that this information applies only in the Province of Ontario.

What is a BCIN?

A BCIN stands for 'Building Code Identification Number'. This number is assigned by the Ministry of Municipal Affairs & Housing, to successful applicants who have completed the requirements outlined in Division C Section 3.2 of the Ontario Building Code. There are two distinct types of BCIN number, individuals & firms. Individuals are people who have completed the exams and have received a BCIN from the MAH; However, they do NOT carry any insurance. As a result this limits the types of projects that the person can do. Firm BCIN's on the other hand MUST carry valid liability insurance, and depending on the amount of designs fees that a firm charges in a year will dictate the required amount of insurance coverage they must have. Insurance is expensive but it is there to protect you so avoid working with companies who do not have it. For most people, a home is your single largest asset; Do you really want to get plans from someone without insurance?

How do I know if I am choosing a registered company?

The Ministry of Municipal Affairs & Housing provides a database of all registered BCIN holders. The registry is available through a system called QUARTS. Once on the Public Registry, this system allows you to search by the individual's name, the company's name or the BCIN #. Once you have found a business or individual, it will bring you to a page with details on the company. It lists the mailing address of the business & contact details. At the bottom it should also show the Registration as 'Registered Designer' and the Status as 'Current'. If it shows up as 'lapsed or expired' then this means that they either do not have valid insurance for that year, or that they are late in filing their paperwork.

Do I need an architect or engineer for my project?

Probably not! There have been massive changes to the system in the last few years, opening the doorway for a new title; Designers. Architects & Engineers are NOT required for any project less than 600m² (6,458 sq.ft.) and less than 4 storeys. For most residential and small commercial projects, you do NOT need an architect or an engineer. However, and this is important, if the project involves certain structural modifications, an engineer may be requested by the municipality to review the plans. On this note, there is a BCIN exam which will supersede this requirement! If your design company is a registered company in the Category of 'Building Structural' then they can complete the plans.

When do I need a BCIN 'stamp' for my project?

Depending on …

Life Insurance Closing Techniques – Boost Your Closing Sales

Life Insurance Closing Techniques

If you were expecting another one line sales pitch to be written here, you definitely will not find it. Life insurance closing techniques have very little to do with sales pitches at all. The whole say this and all of a sudden you will get this kind of reaction from your prospect sounds like a crush sale to me.

If it ever came down to you giving a sales pitch, you are either trying to salvage the sale, or you are not in true communication with your client. Think about it, you are solely relying on some outdated script or pitch that was written who knows how long ago. Wouldn’t you rather know how to not perform a sales pitch and still close a deal?

I am one of those individuals that likes to know how things work. For example, if a doctor just ran some pitch on you, but he really didn’t know the science of his own work would you go with that doctor? I didn’t think so. The same concept goes with life insurance closing techniques, if you do not know the science of truly closing a deal, then why look for the quick way out.

This brings me to my very first point, you are in this business to sell yourself, not your products.

Life Insurance Closing Techniques – Always Sell Yourself

What exactly do I mean by “sell yourself”. A lot of individuals hear this but very few actually understand the science behind it. I am going to try and put it into the best perspective for you. Think of a time when you wanted to buy something, like a TV or Car. Do you remember the individual that you dealt with during the course of the sale? Maybe you do not remember his or her name, but you can definitely remember if they were knowledgeable, kind, informative, and helpful. Now, do you remember the guy you did not buy from?

What were the reasons you did not buy from that individual? Maybe he did not help out, he might have been rude or even ignored your questions or concerns about the product you were wanting to buy.

The reason why you did not buy from that individual, was because they did not sell themselves. Even though it was the same product, same price, same warranty, you still did not buy from that individual. Life insurance closing techniques are about getting to know your client.

They will not buy from a stranger, so you turn them into a friend. Friends have trust, and trust is what will get you the sale. The client must trust you with their money. If you are just out there doing some sales pitch about some product but have not really gotten to know who you are sitting across from, you are literally hiking up hill to close that deal.

Life Insurance Closing Techniques – The Sales Presentation

After you have gotten to know your client, …

Health Insurance Quotes Without Giving Your Phone Number

Getting health insurance quotes without giving your phone number is easy and something you should do right now. Whenever you are online do you stop when asked for your phone number and best time to call? I do…I can’t stand to be interrupted at home…especially by a salesperson.

Asking for your phone number is an intrusion most people avoid. The bad news is they are unaware of market conditions in personal health insurance. Health insurance is an expensive, necessary evil but it should be something you should never overpay for. Asking for a phone number is a turnoff. But there is good news…

You can get up to a hundred health insurance quotes without giving your phone number. You are asked for the following and the following only, for each person you are trying to insure:

· Zip code

· Gender

· Date of Birth

· Smoker or not

· Student or not

That is it…no phone number…no medical questions.

My wife and I have used this free, no obligation service for 8 years. I hate to spend a penny on insurance of any kind. But I have the assurance that I am paying the very least amount for my policy.

I filled this out just the other day…it took less than a minute…I received 112 different policy quotes to choose from…the quotes had the monthly premium, company name, deductibles, co pays, and a real plus…I could find out if my current doctor accepted this policy.

You should know what kind of policy you are looking for. Since we are healthy, exercise and eat right, we look for high deductible catastrophic coverage. These have the very lowest premiums.

But the prices vary greatly…I identified a savings of $684 per year over what I am paying now. So you should use this free service every several months. It is easy fast…and no one will call.

Once you narrow down the policy that meets your needs you then fill out one application and one application only. Isn’t this better and far faster than talking to several dozen salesmen or saleswomen. That is what you would have to do to get the same amount of information with every other service on the web.

Wouldn’t you rather get health insurance quotes without giving your phone number?

Here’s how……

Essential Things to Change in Insurance Training

Insurance services use knowledge related to finance, regulations, analytics in general and everything else in specific. For example, take project insurance. The insurer needs to evaluate various risks associated with the project. He should be able to make use of project management documents to understand the measures being taken by managers to manage the risks identified by them. He should be able to assess loss in case of claim. He need to use the knowledge of project management techniques in project insurance.

Again, if it is agriculture insurance, an insurer has to get idea about the crop yield, soil quality, farming practices etc. to do a meaningful insurance. So, knowledge of agriculture science need to be applied. Since insurance extends its services to every possible activities in the world or even in space, it has the potential to use every kind of knowledge.

Knowledge gained by insurance professionals during training are to be used. They are not for answering few questions in examination and then forgetting them. There is no end of values that insurance service can add in risk management in any kind of activities. And that is through the use of knowledge related to risk management techniques and also the knowledge related to activities. It may not be expected that every insurance professional will gain knowledge of every activity. But, he will do better if he is able to identify what knowledge to be used from where. This where can be external too.

There can be such training courses that are related to existing practices. But these are at the most basic level. It makes sense if there is a need of organized training on existing practices. There are regular changes in standards, regulations etc. that may create need of organized training to make them known to insurance professionals in formal way.

However, since Insurance service by nature is futuristic, there has to be emphasis on such topics that empowers the professionals to understand the future in scientific way with greater nuance. Such training prepares insurance professionals to go much deep in their profession and make the profession richer.

So, one thing that definitely need to be in the insurance related training is something about the future, something latest, something new, something that make the participants come out from the routine thinking and dive deep into topics related to finance, regulations and analytics or related to the special area of insurance.…

Is Prolozone A Viable Chronic Pain Treatment?

Prolozone is a reliably new form of alternative treatment for damaged joints, ligaments, tendons and spinal discs. It is administrated as an injection, delivering a mixture of oxygen and ozone to injured areas of the body.

Prolozone is different from prolotherapy; This latter form of treatment is generally limited to ligaments and involves the injection of a solution of simple sugar water combined with an anesthetic into damaged ligaments. The introduction of a foreign substance sparks the inflammatory response. The body sends inflammatory materials to the injured area, meaning that blood flow is increased.

Inflammation has a definite role in healing; Increased blood flow deliveries nutrients to injured areas that help repair them. But inflammation tends to limit oxygen supply to the area, particularly when chronic. Oxygen is crucial to the healing of bodily tissues. Prolozone injections oxygen and ozone, the most energetic form of oxygen, directly into injured tissues to facilitate repair.

Prolozone therapy generally involves fewer injections than prolotherapy and boasts of immediate pain relief. Its proponents claim that it has the capacity to permanently repair tissues and bring an end to chronic pain. One of the most significant claims made is that prolozone can repair cartilage in joints, something temporarily needed and long-awaited in the field of arthritis treatment.

If effective, prolozone offers hope to people suffering from chronic conditions like back pain, sciatica, sacroiliac joint dysfunction and arthritis. But, like most alternative treatments, there is very little research available to back up its claims. There are a handful of studies that promote reasonable success with ozone treatment for people with disc degeneration and osteoarthritis. See http://www.edmontonprolotherapy.com/Research/ProlozoneResearch.aspx for a collection of studies.

Even customer reviews are hard to come by for prolozone, possibly because of its newness. One review can be found on a forum at http://forum.bodybuilding.com/showthread.php?t=120062421&page=1; The reviewer Chronicles her early use of prolozone therapy for severe knee arthritis.

Prolozone treatment is generally not covered by insurance. An average cost is not available at this time, but the above reviewer mentioned that her injections cost $ 125 each, and she was receiving between 1 and 7 shots every 1 to 2 weeks.

There are many reasons to be hesitant about pursuing a new therapy like prolozone. Lack of studies, reviews, long-term risk analysis and insurance coverage are all plenty to make any patient weary. However, for those facing surgeries with high price tags, recovery time and risk, prolozone may be an attractive albeit experimental alternative.

Prolozone is a treatment option to pay attention to over the next couple of years; If scientific evidence grows in support of it, it may become eligible for insurance coverage and revolutionize the treatment of chronic pain problems like arthritis and disc degeneration. With regenerative properties unlike steroid injections and a wide range of application unlike prolotherapy, prolozone could be the future of pain injections.

Before pursuing alternative or conventional treatments, do your research. Understanding the pros and cons of treatments will put you in a position to make the best …

Common Mistakes Motorcycle Buyers Make When Looking For a Motorcycle Loan

Whether interest rates are high or low or it’s the end of a model year with lots of incentives, motorcycle buyers tend to make the same mistakes when shopping for a motorcycle loan. Here are four common mistakes motorcycle buyers make with motorcycle loans.

Shopping for a motorcycle before shopping for a motorcycle loan.

Many motorcycle buyers enter the showroom looking for a motorcycle before they determine how much money a motorcycle lender is willing to loan to them for the purchase of a motorcycle. There is no need to shop for a $20,000 Harley Davidson motorcycle, if a lender is only willing to provide a loan amount of $10,000.

Additionally, once motorcycle buyers enter the showroom slick salespeople often pressure them into motorcycle loans with much higher internet rates than they could have gotten had they shopped for a motorcycle loan at a bank, credit union or online. Salespeople do not like motorcycle buyers to leave the dealership to get a motorcycle loan. In the salespersons mind this only increases the chance of losing a sale and commission. Therefore, salespeople frequently try for a quick sale which normally results in pushing motorcycle buyers to get motorcycle financing at the dealership.

The bottom-line is that it is always best to shop for a motorcycle loan before entering the showroom.

Diving into the unknown motorcycle loan.

Motorcycle buyers often jump into motorcycle loans that they do not completely understand or may not be the best alternative for them. For instance, in today’s age manufacturers frequently run credit card motorcycle loan promotions on their private-label credit cards. But these promotions typically offer a low interest rate for a short term like 12 or 24 months and have a much higher interest rate after the short promotional term. On a credit card promotion if motorcycle buyers can not afford to pay off the loan during the short promotion period, then they are typically better finding a lender offering an installment motorcycle loan for a longer term.

Borrowing too much.

The most common mistake the first time motorcycle buyer makes in not having a clear sense of how much motorcycle they can afford. This is especially true for young motorcycle buyers who look to buy the top sport bikes that cost up to $10,000 – $15,000. What they fail to realize is that financing a $10,000 – $15,000 motorcycle can stretch them to thin, resulting in them having little cash to enjoy themselves and the motorcycling lifestyle. They may also have too little cash to pay for insurance, maintenance, registration or new accessories for their motorcycle.

Not asking the right questions.

The first warning sign that motorcycle buyers should see is that if they do not understand the type of motorcycle loan, then they should be sure to ask a lot of questions.

Here are some good questions to ask:

o Is the interest rate fixed or variable? If fixed how long will it be fixed for?

o Are there circumstances that can make …