Personal Injury Protection (PIP) covers against medical expenses and some of the losses that inevitably follow a traffic accident where drivers and their passengers are injured or killed. So, for example, you can claim loss of earnings and the equivalent of damages for pain and suffering. Where the driver dies, funeral expenses are also recoverable. Such policies are standard in the no-fault states. It's expected claims will be settled without...more
Insuring your life is something most people approach as a matter of duty. No one actually wants to think they are going to die in the near future but, if you are going to do the job properly, you have to start with the assumption you could die at any time from next week onward. That way, you can work out how much money would be needed at each point in your life to fill in the likely loss of your income. With the math all done, people then put the...more
Not so long ago, there was a group action by several Insurance Commissioners against the Nationwide Life for its failure to create an effective regime for the supervision of agents selling annuities. The action was settled for $2 million so it wasn't considered a major problem, but it does give us the chance to talk about annuities and what can go wrong. The traditional policy for your life accumulates value over the years and, when the moment comes, there's a payout of a lump sum to your family and dependents. But, if you want, you can either buy an annuity or convert your life policy to an annuity. This starts in the same way. You pay regular installments and build up value. Then, when the due date arrives or you exercise the option, the policy starts to pay out a regular income. It's one of the ways in which you can save for your retirement and the monthly amounts add to your other pension amounts and keeps your head above water.To protect you from exploitation, only insurance companies are allowed to sell annuities and each state's Insurance Commissioner has the responsibility of looking out for your interests. Should a Commission discover the insurer is giving you a short...more
In case you are a real estate appraiser, or anyone who wants to enter the business, it is actually critical which you know the new guidelines set by the HVCC regarding the new rulings on how appraisal transaction should be completed. In accordance with the new law, every lender or bank must be able to contact appraisal management companies first...more
In the recent years, variations were expressed by the HVCC in the appraisal management industry. These modifications incorporate the modification of law by which appraisers will likely need to work with an appraisal management company before they can perform the appraising job, though appraisers are not constrained to perform having a listing of...more
Halloween is just around the corner and you are wondering whether to go to a party or just stay home and remain indifferent. Many people are feeling the same way and thinking about ignoring Halloween this year.Celebrating Halloween as an adult could be fun. It will help you return to your childhood and it will be yet another reason to spend time with the people you love and to socialize with intriguing individuals.If you are looking for reasons to celebrate Halloween as an adult, you should keep on reading. This article will make it easy for you to make your mind up and to have some October costume fun.Returning to ChildhoodWould you love to feel like a child once again? Remember those marvelous days when you felt tremendous excitement about selecting the best costume, putting it on and going out together with your friends?Halloween is certainly connected to many happy memories. You can bring those to reality by celebrating this occasion as an adult. Organize a costume party or attend one. If you feel like it, make the costume yourself. Once you start preparing for a party, you will feel that Halloween excitement once again. All of the memories will be unleashed and that...more
BEIJING Real Sports was very honored to have been part of the lean media team to Beijing to witness the Finals of the Bosch Power Tools Asia Cordless Race 2011 at the foot of the Great Wall of China last week!The race featured carts designed and...more
Nebraska offers a roster of nursing homes and long term care hospitals that provide high level of care for the elderly and disabled. Meanwhile, if a nursing home is the least of your considerations you will be glad to know that it is not your only...more
Refreshing, delicate savor with pleasing fragrance and high nutritive value are the hallmarks of the matured kiwi fruit. Weight for weight they are substantially richer in vitamin C than oranges and contain more fiber than apple. The kiwifruit is...more
For several years now the Gallup Poll has surveyed thousands of teenagers to discover their most important needs. The seven needs listed below have been in the teens top 10 list for the last 6 years.1. The need to be trusted. Teens believe that their...more
Practical thinking of long term care (LTC) will spare people from financial risks. Unfortunately, 3 in 4 need more information about LTC planning because they still think that they have the option not to plan as not everybody will require it anyway....more
La adquisicin de los vestidos de fiesta ideales es sin duda relativamente fcil en caso de que lo planifiques con antelacin. La mayora de las jvenes desean conseguir un vestido de fiesta perfecto excepcional. No importa cul sea su traje de fiesta plan...more