Archive for the ‘Insurance’

  • Insuring Older Cars: Some Information>
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    Insuring Older Cars: Some Information
    One way of saving money on car insurance is by buying older cars. The premium for an old car is a lot less compared to that of a new car. This is because the value of old cars are less compared to the new ones. Insurance companies set the premium rates based on the amount they will have to spend for replacing the car. If you own an old car, replacing it will not make the insurance company spend as much money as they would have to pay in case of a new car. This automatically reduces the premium. Several old car owners opt for the liability only insurance coverage. If you are not indebted with any money against the car and if your car’s value is extremely low, there’s no use of paying premiums for getting the car replaced in case you get into a wreck. By eliminating comprehensive and collision  [...]
    at November 28th, 2011 at 03:11 am
  • Working of Business Renters Insurance Policies>
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    Working of Business Renters Insurance Policies
    Business renters insurance can be purchased by all kinds of business that retail space or rent office. These insurance policies usually offer coverage to rental locations and to the materials or products housed by the rented locations. A renter’s insurance plan is also known for offering protection against liabilities like accidents and crimes resulting in damage of business properties housed by the rented locations. Personal renters insurance is the renters insurance type offering coverage to personal properties of insured parties i.e. the business owners. Contents of such policies include office equipments, manufacturing equipments, materials, supplies and the finished goods. If the objects included in the contents are damaged due to theft, for or vandalism (policies might include other  [...]
    at November 7th, 2011 at 05:11 am
  • Factors to be Assessed before Going for a Health Insurance Plan>
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    Factors to be Assessed before Going for a Health Insurance Plan
    The principles of privately owned health insurance policies and corporately provided health insurance policies are more or less the same. To select the right health insurance plan for you, you must check the following things: The most important factor to check before selecting health insurance policies is the deductible. Deductible is the sum that health care providers will need the insured individuals to pay annually for medical services before they start funding medical expenses of those insured people. If your medical bills are likely to be high in amount, you must opt for insurance plans with low deductibles. On the other hand, if you rarely need to visit doctors and are unlikely to have medical bills of high amounts, you must go for plans with high deductibles. The next significant factor  [...]
    at June 13th, 2011 at 03:06 am
  • Stock broker fraud: maybe it’s time for you to change brokers>
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    Stock broker fraud: maybe it’s time for you to change brokers
    As people go, I think it’s pretty fair to say that I am quite the paranoid person. I’m not so paranoid as to look back over my shoulder with wide eyes every time I walk down a quiet street. I only do that sometimes. But yes, I am a naturally skeptic person. I take absolutely nothing on face value, even if someone I’ve known for years says it to me. If something sounds too good to be true, it always is for me. I look for the lie behind every smile and every sign of deception in that firm handshake that might just be looking to grab my money and run. So, as an investor, you can perhaps gauge how I feel about stock brokers and stock broker fraud. To say it gives me the jitters is like saying the pope is Catholic; it’s a major understatement. I’m not a conspiracy theorist; I don’t  [...]
    at December 13th, 2010 at 05:12 am
  • Personal financial planning: to do or not to do>
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    Personal financial planning: to do or not to do
    Now don’t get me wrong. I know fully well that personal financial planning is something that we all must do. My only question is whether I should do it myself or leave it to some expert on behalf of me. The thing is that I don’t trust most of these financial planners. Most of them seem to have their own vested interests and it becomes very hard to trust someone when they become more of a broker than an adviser. Over time, many financial advisers have tried to talk to me about signing up with them, but I think this requires trust more than anything else and none of them seem particularly trustworthy. So all I end up saying is “thanks, but no thanks” as I stonewall all of them into submission. You see, it’s just not complicated in the slightest to do my own personal financial  [...]
    at December 6th, 2010 at 05:12 am
  • Movie business isn’t just all glamor>
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    Movie business isn’t just all glamor
    Jimmy Maynard had taken a close look at the movie business some years back, and what he saw was best described as “encouraging”. Companies were folding, credit lines were being squeezed and talent was cheaper than before thanks to a labor war that was driving down prices. All said and done, it was an excellent time to invest in the movie theater business and it brought a smile to his face. Maynard is not alone. Several investors much like him circled like vultures as studios started to scale back their investments, leaving a lacuna for people like Maynard to step up to the plate and hit one out of the park. For Maynard, it made perfect sense as he has “always made a living by buying or buying in when things are bad”. Just how bad is Maynard talking about? I’ve got a name for you,  [...]
    at November 17th, 2010 at 05:11 am
  • A surprisingly hard sell>
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    A surprisingly hard sell
    It is often said that insurance is not sold to people, it is bought by people and that is so very true for AIA, which is insurance giant AIG’s Asian life insurance division. AIA has been crying itself hoarse trying to sell itself this year and this is the third attempt this year to try and sell itself to a potential buyer to no avail. No one is willing to get anywhere near AIA and a listing was approved on September 21st in Hong Kong and the offer is now expected to go public on October 29th. Given the ridiculous ineptness and gross corruption and misconduct on the part of AIG, it will almost miraculous if AIA manages to get some sort of a deal done. There was an early attempt to list AIA but this was pulled out of in March because a deal seemed to be materializing for Prudential to buy out  [...]
    at October 4th, 2010 at 01:10 am
  • That same old AIG story>
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    That same old AIG story
    Why is AIG being treated with kid gloves and being allowed to retrade its deal with taxpayers again? Why is one of the biggest wards of the state being treated with such patience and ease? The original AIG deal that was struck with the Federal Reserve saw it get the same terms as any other private sector funding initiative. But that failed to raise enough money. Then the powers to be decided that the sub divisions of AIG would be sold off and the proceeds would go towards coming good on borrowings and there was no doubt among the upper management that exactly this would happen. This was a great solution in that AIG had to dismantle the very machinery that got it into this colossal mess in the first place. The interest on their borrowing was high, and so AIG was forced into taking rapid action  [...]
    at September 15th, 2010 at 01:09 am
  • Finding a Cheap Car Insurance for Young Drivers>
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    Finding a Cheap Car Insurance for Young Drivers
    Though people all around the world, especially young drivers, are trying to search cheap car insurance on the web, it’s not quite an easy task. There is, however, a reason for this scarcity. Let’s have a look at why it is difficult to find cheap car insurance for young drivers, and what are the ways to avail it. According to a recent auto research, majority to total people involved in car accidents are young. Hence, the price to cover this risk is too high. If you are looking for cheap car insurance for young people, you need to ponder on few things before availing it. Why car insurance for young people is so expensive? Premium of car insurance are set keeping in mind the risk and the cost involved it to cover it. Risk of providing coverage to a young student is too high, they are statistically  [...]
    at April 5th, 2010 at 06:04 am
  • This Is How You Slash Your Auto Insurance Premiums!>
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    This Is How You Slash Your Auto Insurance Premiums!
    Auto insurance premiums may literally burn a hole in your pocket if you are not clever enough to tackle them and if you are just a college grad or a young worker, this might be a heavy overhead on your pocket finances. So, don’t you want to know how you could lower your auto insurance premiums so that life becomes a bit more comfortable for you? Don’t Go For Dandy Vehicles You may not like my suggestion, but you should be aware that sports vehicles, costly cars, and new models that are not certified as safe by your insurance company should not be bought. Well, heed my advice or buy one of these at your own risk. Go to the company from which you want to take auto insurance and find out the car that is given maximum insurance. The National Highway Traffic Safety Administration can help you  [...]
    at November 10th, 2009 at 01:11 am
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