27 February 2011

Laggard mutual funds should get the boot

Laggard mutual funds should get the boot : Still, many funds can significantly underperform the overall market. If you don't have faith in your fund's management and don't expect it to perform well in the future, you should sell, taking the loss. Why leave money there, either stagnant or falling in value, when it could be growing elsewhere?

Just as there are good and bad stocks, there are good and bad funds. We've recommended top-notch, low-fee funds in our "Rule Your Retirement" newsletter. Try it free at Read More...

Tips For Getting The Lowest Car Insurance

Tips For Getting The Lowest Car Insurance : Buying your first car is a pleasurable rite of passage for most people, but the accompanying purchase of auto insurance is less fun. In fact, many new car owners find the cost of insurance frustratingly high and so do individuals who have had car insurance for decades. (Learn how to read one of the most important documents you own.

Higher insurance premiums and lower annuities for all if the European Court bans gender pricing

Higher insurance premiums and lower annuities for all if the European Court bans gender pricing : British consumers face hikes in the cost of car and life insurance as well as a reduced income in retirement if the European Court of Justice outlaws gender-based pricing of premiums on Tuesday.

Online insurance firm to create 100 sales jobs in capital

Online insurance firm to create 100 sales jobs in capital ; DUBLIN's hi-tech hub has received another boost with the creation of 100 jobs in online insurance sales. Internet firm Chill Insurance will recruit for 50 new positions this year and the remainder over the following two years at its base in Blackrock. But the jobs announcement came as fears grew for up to 120 jobs at Finglas-based printing firm Amcor Flexibles.

Question paper of LIC recruitment exam leaked

Question paper of LIC recruitment exam leaked : The question paper of an all-India examination for recruitment to the Life Insurance Corporation of India (LIC) was leaked in the capital a few hours before the examination, police said today. A person has been arrested by the Delhi Police's Crime Branch in this regard, the police said.

25 February 2011

Verizon version of the iPhone

Verizon version of the iPhone ; The widely anticipated arrival of the iPhone for the Verizon network came this month, and for many of us the month will end the way it began. You either wanted one or you didn't.

BEST BETS for 2011 Audi Q5 and Q7 Named - Car Book and The Center for Auto Safety

BEST BETS for 2011 Audi Q5 and Q7 Named by The Car Book and The Center for Auto Safety ;   Audi announced today that the Audi Q5 and Q7 have been chosen as The Car Book's 2011 BEST BETS for the American car buyer this year. The Car Book 2011 is published with the Center for Auto Safety, the nation's leading auto safety advocacy group, and is based on objective information collected from the government and independent sources.

Hearing Set for Puffer Fish Poisoning Case

Hearing Set for Puffer Fish Poisoning Case ; A local man accused of plotting to kill his wife with a deadly toxin for life insurance money will be back in federal court in April.

Allianz records higher pre-tax profit

Allianz records higher pre-tax profit : Allianz Malaysia Bhd's pre-tax profit rose 8.2 per cent to RM191.550 million for the financial year ended Dec 31, 2010, against RM176.969 million registered in 2009.

lower prices for car insurance of younger people

lower prices for car insurance of younger people : Right after a teenager gets his license, he has no other choice but to purchase young persons car insurance. The children's parents will want to add them to their policies, but need to keep up some awareness that it'll affect the cost. If a young person was to have a car accident, the insurance rate would go up a bit.

Insurer unveils livestock insurance for pastoralists

Insurer unveils livestock insurance for pastoralists ; NAIROBI, (Xinhua) -- Kenyan insurer UAP has introduced a specific policy for pastoralists as it continued with its innovative approach to delivering affordable and accessible insurance solutions to the agriculture and livestock sectors.

Motorists to pay more in insurance premiums from 2012

Motorists to pay more in insurance premiums from 2012 ; PETALING JAYA: Motorists will pay more for their insurance premiums from next year under the new motor framework but will reap the benefit of faster claims. This is the first revision of the motor framework since 1978.

Record crop insurance coverage offered in 2011

Record crop insurance coverage offered in 2011 : Saskatchewan farmers will see record coverage levels from this year's Crop Insurance program, the provincial government said Thursday. The unseeded acreage benefit, which helps farmers faced with excess moisture on their land, is also being upped from $50 to $70 per eligible acre, in the wake of one of the wettest years on record.

new life insurance product PruTerm WorkLife 65 Prudential introduces

new life insurance product PruTerm WorkLife 65 Prudential introduces : Prudential Financial has introduced a new PruTerm WorkLife 65, a new term life insurance product for working years with premium protection in the event of disability or unemployment.

RSA reports financial results for 2010

RSA reports financial results for 2010 : RSA has reported its financial results for 2010, during which net written premiums rose by 11% from £6.7bn to £7.5bn. Emerging markets managed to exceed the net written premium target of £1bn, and net written premiums in India recorded strong growth, rising by 35% to £116m.

16 February 2011

Private health insurance ensures you pay

Private health insurance ensures you pay ; Barely had Ted Morton announced he would run for the Tory leadership, than speculation began about the stance he might take on health care. The Friends of Medicare worry he might resurrect his position from the last leadership race, which was that, as per Ralph Klein's late, unlamented Third Way; Albertans should be able to buy private insurance to pay for private services.

Insurance Tricks That Cost You Money

Insurance Tricks That Cost You Money ; Is there a way to get insurance against insurance? For some who have been victims of the scrupulous practices of some insurance companies, they probably wish they could purchase some protection against their insurance. Sadly, we often feel like we're at the mercy of the insurance giants, but there is a way to level the playing field: education. If you know their tricks,

State Farm defends proposed homeowners’ insurance rate increase

State Farm defends proposed homeowners’ insurance rate increase ; State Farm Florida defended its proposal to hike homeowners’ insurance rates an average of 28 percent during a public hearing Tuesday as necessary because the company’s finances have dwindled amid recent hurricane-free years.

product liability insurance definition

product liability insurance definition : Product liability insurance protects the business from claims related to the manufacture or sale of products, food, medicines or other goods to the public. It covers the manufacturer's or seller's liability for losses or injuries to a buyer, user or bystander caused by a defect or malfunction of the product, and, in some instances, a defective design or a failure to warn. When it is part of a commercial general liability policy, the coverage is sometimes called products-completed operations insurance.

professional liability insurance definition

professional liability insurance definition ; Professional liability insurance, also called Professional Indemnity Insurance, protects professional practitioners against potential negligence claims made by their patients/clients. Professional liability insurance may take on different names depending on the profession. For example, professional liability insurance in reference to the medical profession may be called Medical Malpractice. Notaries public may take out errors and omissions insurance (E&O). 

miscellaneous professional liability insurance

Miscellaneous Professional Liability Insurance (MPL) provides vital protection to a broad array of professional service providers. These entities typically face claims of negligence arising from fee-based professional services as well as for economic losses sustained by third-parties due to the insured’s alleged negligence. Coverage is specifically tailored to meet the unique needs of each insured.

General Contractor Liability Insurance

General Contractor Liability Insurance : Normally, it is difficult for general contractors to work without general insurance. General contractor liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc.

commercial liability insurance

commercial liability insurance : Liability insurance is when you cover any visible or possible liability that you may have with proper insurance. When businesses or commercial establishments purchase insurance to cover their liabilities, it is called as commercial liability insurance.

business liability insurance

business liability insurance : Business insurance can be complex but we believe it should always be simple to buy. Comparing insurance quotes and buying the right cover for your business needs is simple and straightforward with Simply Business.

John Lynch's 2011 Budget Address

John Lynch's 2011 Budget Address ; Mr. Speaker, Mr. Senate President, Madam Chief Justice, honorable members of the House, Senate and Executive Council, and my fellow citizens of New Hampshire: Let me take a moment to thank and introduce my wife, and our great first lady, Dr. Susan Lynch.

Across our state, we are seeing signs of economic recovery: businesses starting and expanding, investing once again in people and equipment. People are going back to work. Our unemployment rate has steadily fallen over the past year and is now one of the lowest in the nation. The Federal Reserve Bank predicts New Hampshire will have the strongest economic growth in the nation in the coming months.Read More...

Old Mutual Kenya changes tack to tap mass market

Old Mutual Kenya changes tack to tap mass market ; The Kenyan arm of insurer Old Mutual wants to tap the mass market to grow its life insurance business after a successful private share placement last year, moving away from a focus on high net-worth individuals, its managing director said on Tuesday.

Health insurance premium doubles to Rs 7,800 cr in FY10

Health insurance premium doubles to Rs 7,800 cr in FY10 : Boosted by rising number of customers, premium collection by health insurance firms almost doubled to Rs 7,803 crore in the last fiscal year-on-year, even as claim payments shot up.

15 February 2011

IRA tips for a surviving spouse

IRA tips for a surviving spouse : He had some life insurance and a rather large traditional IRA; I am the beneficiary of both. The life insurance company says I can just leave the death benefit with them in an interest-bearing account, and they are sending me checks on which I can write against the account.

Top Tips To Making A Successful Claim - Car Insurance

Top Tips To Making A Successful Claim - Car Insurance ; Getting in an auto crash can be a painful occurrence. The very last thing you want to happen to you is to extend this pain to the period when you start filing and managing your claim with your insurance company. Here is a list of thing that will make your claim management as normal as possible:

safe winter driving tips to reduce accidents and coverage rates

safe winter driving tips to reduce accidents and coverage rates ; The unpredictable weather this year has caused many fair-weathered states to experience a bit of winter's snowy wrath. Many residents are unfamiliar with driving techniques for this type of hazardous weather, which can lead to accidents and increased liability and full coverage auto insurance premiums. Here are safe winter driving tips to reduce accidents and coverage rates.

Mobile Fraud Prevention Tips and Wells Fargo Offers Online - new 2011 Identity Fraud Survey

Mobile Fraud Prevention Tips and Wells Fargo Offers Online ; Wells Fargo & Company announced it has published a list of tips to help people keep fraud prevention top-of-mind as encouraging findings are released in the new 2011 Identity Fraud Survey Report from Javelin Strategy & Research, an independent industry research firm.

According to Wells Fargo, the study found that the number of reported identity fraud incidents in 2010 declined 28 percent over 2009.

"Wells Fargo has a long commitment of educating people about fraud and helping them protect themselves," said Secil Watson, senior VP, Wells Fargo Internet Services Group. "We offer tips, the Fraud Information Center, and we co-sponsor the Javelin Strategy & Research Identity Fraud Survey Report as part of this commitment. We'd like to see continued declines in reported fraud and we want to underscore the importance of people's continued vigilance in protecting their accounts and personal financial information."

According to Wells Fargo, the tips include, but are not limited to:

- Keep updated: Keep your computer operating system up-to-date to ensure the highest level of protection. Help protect your computers with regular anti-virus software updates.

- Change passwords: It's a good idea to regularly change your online banking passwords. Be sure your online banking username and password differ from those used on other websites.

- Use official apps: Mobile banking applications, or "apps," are programs you can download to your mobile device. To ensure the safety of your personal and account information, download mobile apps from reputable sources only. If you have suspicions about the authenticity of a mobile banking app, web-enabled mobile phone users can bookmark and visit the company's official mobile banking site, including wf.com.

- Go paperless and monitor: According to Javelin Strategy & Research, fraudsters continue to use traditional methods to gather information, including paper mail that may contain account numbers or other confidential information. Wells Fargo's multi-layered approach to online and mobile banking security makes going paperless - through bill pay and online statements - good alternatives to paper.

- Sign up for alerts: Keep a close watch on your finances to quickly spot suspicious activity. Wells Fargo offers many types of alerts, such as a low balance alert that tells you when your account balance falls below your chosen amount. Based on customer preferences, alerts can be sent through email or to a mobile device for quick notification. In addition, Wells Fargo Visa credit card customers can sign up for Rapid Alerts to be alerted near real-time when their cards are used.

- Review credit report: At least once a year, check your credit report for any suspicious or unauthorized activity.

- Be careful what you disclose: If you're suspicious about a request for your personal information that you've received through an email, text message, website, by mail or phone, first verify the request. Use a legitimate source to confirm the request by calling the number listed on the company's website, billing statement, or on the back of the debit or credit card. Never share your mother's maiden name, Social Security number, bank account numbers, or account usernames and passwords. Keep your phone number and home address private so they can't be collected.

- Store a copy of your personal & financial information in a secure location: Take a moment to inventory or photocopy the personal and financial information you carry in your purse or wallet, including items such as your driver's license and credit cards. Store this list in a secure location.

In addition to a layered security approach to online, mobile, and overall banking, Wells Fargo provides a variety of tools and services to help customers monitor their accounts and protect their information. Wells Fargo makes its Fraud Information Center available to everyone on wellsfargo.com.

Wells Fargo Insurance also offers a comprehensive service called Identity Theft Protection, provided by Trilegiant, which includes up to $10,000 in identity theft insurance, a personal credit report, regular triple-bureau credit updates, and ongoing monitoring that helps customers manage their credit and alerts them to activities that may indicate identity theft (restrictions and deductibles apply, refer to terms and conditions).

Wells Fargo is a provider of online and mobile financial services for individual consumers, small and middle market businesses, and corporations with a full range of banking, money movement, investing, asset management, and other financial and risk management products.

best insurance Companies

1. Progressive

As the third biggest car insurance company in America, Progressive offers some of the best rates you can find on car insurance coverage. Their choose-your-own-rate program allows you to create a policy with the features you really need without paying for anything you don’t need.

* What we love about Progressive: Unbeatable rates and personalized policies.
* What we hate about Progressive: Customer service can be spotty at times.

2. Allstate
Allstate offers up to a 45% discount on standard car insurance for drivers who haven’t filed a claim for three consecutive years. They will also work with you to create a customized insurance plan based on your unique insurance needs. Their bumper-to-bumper coverage allows you to purchase a new car based on the original price of your old car if it is stolen or totaled within the first three years of ownership.

* What we love about Allstate: Rebates and discounts for safe drivers keep the policies inexpensive.
* What we hate about Allstate: Customers sometimes need to follow up on discounts to make sure they are applied properly.

3. Esurance

Esurance makes a concerted effort to reduce their impact on the environment. This web based insurance company does not have any brick-and-mortar locations, which means that their carbon footprint is extremely small. Esurance even provides hybrid cars for employees to use when they need to travel for business purposes.

* What we love about Esurance: The commitment to creating an environmentally friendly car insurance option.
* What we hate about Esurance: The lack of local agents can create complications when filing a claim.

4. Geico

Geico offers simplified policies at affordable rates. They work with each customer individually to create a flexible payment plan that will fit your budget and keep you insured. Several discount programs help keep Geico’s prices down as well.

* What we love about Geico: The ability to create a personalized flexible payment plan.
* What we hate about Geico: Communication about policy changes can be slow at times.

5. State Farm

State Farm has a simple, no frills approach to car insurance coverage. It is one of the most trustworthy companies in the business when it comes to dealing with any type of insurance claim. Their knowledgeable agents are local, which means that they know more about the local auto repair shops and car rental agencies.

* What we love about State Farm: Honest and straightforward agents that get to know you and understand the area you live in.
* What we hate about State Farm: Some insurance claims can take a long time to be processed and paid.

Student health insurance - new set of rules regulating health insurance

Student health insurance - new set of rules regulating health insurance  : coverage for students has been proposed to protect students from being denied coverage under various circumstances. The Department of Health and Human Services announced a new regulation will ensure students have the insurance consumer rights granted by the Affordable Care Act on Wednesday.

Financial Services Compensation Scheme 15 February 2011

Financial Services Compensation Scheme 15 February 2011 ; FSCS representative Suzette Browne answers your questions on the Financial Services Compensation Scheme live at 1pm on 15 February 2011,

California Auto Insurance Quotes Go Cheap for 2011

California Auto Insurance Quotes Go Cheap for 2011 ; Drivers will get low-cost car insurance policies and premiums through price cuts and pay as you drive in Los Angeles and other Californian cities in 2011.

Californian drivers will get cheaper car insurance premiums in 2011, said online auto insurance quote providers and local insurance companies.

Insurance wish list for budget 2011

Insurance wish list for budget 2011 ; The Government of India brought the finance reform bill in 2008 for the first time. However, this was thrown in the cold storage because of stiff opposition by the political parties and employees of major insurance companies.

Despite these oppositions, the insurance amendment bill will be pushed hard by the Government. There are other changes in the insurance amendment bill that will also be looked upon by regulators and insurance industries.

The Government & standing committee in finance have started discussion with insurers, bankers, and regulators on insurance reforms. This has given hope that the impending changes will be tabled in parliament in this budget session and implemented with clear direction.

Insurance business is a capital intensive business. The industry needs capital inflow on regular basis for its operational needs. Foreign direct investment and capital market are two major sources of capital in any industry. The insurance industry is looking forward to the budget 2012 with the hope that these sources of capital will be unleashed.

The biggest expectation of insurance industry is tabling of finance reform bill, more specifically insurance amendment bill, in the parliament in this budget session. Some of the specific expectations are as follows:

Increased limit on the foreign direct investment
Currently the cap on foreign direct investment in insurance sector is 26%. The insurance industry expects the Government to raise the cap on FDI to 49% to attract capital in this capital intensive sector as proposed in the insurance amendment bill.

Many insurance companies would like to invite foreign partners to raise their stake. At the same time, raising the cap to 49% will provide enough incentive to foreign companies to invest in Indian insurance sector. This will create required capital in the industry.

Allow Government owned insurance companies to enter capital market
The Government owned insurance companies are in need of fresh capital to expand further and the best way to do it is to tap the capital market. The Government is not in position to infuse fresh capital to the insurance companies. The expectation from the insurance amendment bill is that it will allow Government owned companies to raise money from capital market.

Clarity on pension reform bill
The other expectation is related to pension reform bill, also known as pension fund regulatory and development authority bill. This will facilitate new pension system, based on defined contribution, which is open to all Indian citizens.

LIC amendment bill
There is a bill named LIC amendment bill related to paid up capital required for state run insurer. As per the existing norm, the paid up capital requirement for state run insures is 5 crore. The industry expects this to be increased to 100 crore. This is the norm for private insurance players. The insurance industry expects uniformity in treatment of private and state run insurers in this regard.

IPO norms for insurance companies
The insurance sector also wishes to see the regulation for insurance companies for initial public offerings. All the big insurance companies have shown interest in tapping the capital market for expansion. The existing law requires an insurance company to be in the business for at least 10 years before it can go public to raise capital. This prevents many good companies from listing on stock market even though they can satisfy SEBI requirement for listing. The other requirement is that the insurance company has been earning profits for at least 3 years in order to float public issue.

The insurance sector will like these regulations to be deleted or reformed to fewer numbers of years. The insurance sector will further want the Government to list out clear norms for listing. As per IRDA, the listing norms will be finalized by the budget.

The insurance sector wishes to see some headway in initial public offerings for non-life insurers too.

Reduction in minimum capital requirement
Currently the minimum capital required to enter insurance business (life or general) is 100 crore. The insurance industry expects the required paid up capital for health insurer will be reduced to 50 crore so that more players can enter this sector. This will allow many smaller companies that can enter insurance sector, to start operation and tap the vast insurance market.

14 February 2011

Online CarInsurance Quotations Site Helps People Save Money

Online CarInsurance Quotations Site Helps People Save Money  ; A new Online Car Insurance Quotations site, now provides a one of a kind chance to motor vehicle owners to obtain auto insurance at prices never seen before. The website offers a unique tool that can be used to find the most suitable insurance policy in a specific state or city to suit any budget. OnlineCarInsuranceQuotations.com helps consumers reduce insurance premiums and put money in their pocket. Motor vehicle insurance is not only a lawful condition but also absolutely essential to protect an automotive investment whatever the model and make of the vehicle, as well as the level of utilization.

compare tradesman insurance

compare tradesman insurance ; No matter what trade you are in it is essential to ensure that you have the right cover for your business. Whether it is public liability cover, cover for your tools, professional indemnity protection or support if normal business is interrupted.

compare builders liability insurance

compare builders liability insurance ; If you’re a tradesman, you’ll probably realise how important it is to have the right kind of builders insurance in place. As a builder, it is likely you'll carry out a wide range of jobs. This could see you climbing high ladders, lifting heavy equipment, or decorating expensive properties. While there is always likely to be an element of danger involved in such an occupation, the potential legal repercussions of you injuring a third party or damaging their property should not be taken lightly.

life insurance quote for contractors

life insurance quote for contractors ; Life Insurance is an affordable and straightforward way of ensuring that your family and loved ones are financially secure in the event of your death.

A life insurance policy pays out a cash lump sum if the person(s) insured dies during the term of the plan. The lump sum can be used to provide financial support to your family and loved ones, who might otherwise struggle to pay the mortgage, bills and other living expenses without your income.

Having the right level of life insurance in place gives you peace of mind and your family a financial safety net if they ever need it. There are different types of life insurance, so it's important to pick the right type for you.

If you are a self employed tradesmen or run your own business it is unlikely that you will have death in service cover, so undertstanding how much life insurance cover you need is very important.

We have also put together a list of frequently asked questions about life insurance to help you understand more about it. Compare quotes for life insurance online at ContractorsCompare.com

Company sentenced over worker's burns

Company sentenced over worker's burns : Employers liability insurance holders have been issued a warning after a chemical company was fined over an incident that left a worker with toxic burns.

On February 3rd this year, Abacus Chemical Ltd, of Greenfield Business Centre, Greenfield, North Wales, admitted three health, safety and environmental offences. The firm was instructed to pay prosecution costs of £14,000 and fined £12,000, employers liability insurance holders have been informed.

Employers Liability Insurance Bureau consultation opens

Employers Liability Insurance Bureau consultation opens : The Department for Work and Pensions launched an important new consultation today, on setting up an Employers Liability Insurance Bureau. Creating a system like this will be of real benefit for people who develop diseases as a result of being exposed to asbestos or other dangerous substances.

Currently, because of the length of time between exposure to a chemical or asbestos and the development of diseases, it can be very difficult to trace who the insurer was at the time of exposure. This means that, in many cases, someone who contracts an work-related disease as a result of their employer’s negligence is unable to get the compensation they are entitled to.

employers liability insurance blog

employers liability insurance blog : Employers' Liability Insurance - Flawed | Personal Injury Claims
Employers' Liability Insurance - Flawed on the Furley Page Solicitors Blog. Our blog provides detail on various legal issuesRead More...

Employers Liability Insurance Bureau consultation opens
The Department for Work and Pensions launched an important new consultation today, on setting up an Employers Liability Insurance Bureau. Read More...

employers liability insurance | BusinessInsure Blog
Anyone in business will know, that if you employ people, you need to have adequate employers liability insurance in force Read More...

Top Car Insurance Companies in the UK 2011

Top Car Insurance Companies in the UK 2011 : A word of caution: Do not entirely depend on recommendations from this list only, as these might not be what you are seeking. It is prudent that you conduct your own research and request for reliable opinions as well as talk to people you know about their policies and experiences.

top insurance companies in uk

top insurance companies in uk : UK insurance companies are pioneers in risk management services in different aspects of life. With innovative insurance products and quality services, UK insurance companies contribute significantly to the economy of the nation. Top UK Insurance Companies

The top UK insurance companies, providing personal and business insurance products, are:

abi news release today - association of british insurers

abi news release today - association of british insurers ABI News Releases. To add yourself to this mailing list, click here. ... The ABI has informed members today that Jonathan Davis has decided not to take up Read More...

ABI Economics and Research Conference 2011

ABI Economics and Research Conference 2011 : The ABI will host its 3rd Economics and Research Conference on Thursday 3 March 2011. The conference will start at 09:15 with registration from 08:30 and conclude after lunch with our Keynote Speech finishing at 14:00. Please see adjacent conference agenda.Read More...

Scots can weather the storm of price hikes on insurance

Scots can weather the storm of price hikes on insurance : INSURANCE claims doubled in December to £1.4 billion as the weather took its toll on our homes and cars. Burst pipes caused most problems, with more than 100,000 claims totalling £680 million, according to the latest figures from the Association of British Insurers. More than 250,000 vehicles were damaged as a result of the snow and ice on the roads, leading to £530m of claims. In all, this year's claims bill dwarfed last December's of £650m.

Anyone who suffered the Canadian-style blizzard in Glasgow on 6 December or the record arctic temperatures in the highlands in the same month will testify to this. However, the clouds that brought the snow may turn out to have a silver lining for Scots in the long run - thanks to insurance.

The same December that brought misery to many areas of Scotland was also the country's sunniest since 1929. So perhaps our dismay at recent meteorological traumas should be turned towards the way that forecasters describe and calculate weather events. The real problem is how these predictions are interpreted. Forecasters and insurance companies focus on "return periods" when considering the likelihood of major climatic events. They apply to floods, windstorms, snowfall and other elemental perils and estimate the length of the "normal" gap between events. In the case of floods, a 1-in-50 return period means that looking back over history, a flood of a certain size should only occur once every 50 years. Or, in any one year, there's a one-fiftieth chance it might happen again.

As many insurers sit at their desks scratching their heads at the impact of two winters in one - as we saw in December - there has been an obvious increase in the frequency of extreme weather events, across the UK.

While return periods are becoming narrower, the Scots, unlike England and Wales, have done a few sensible things with their planning and flood laws in recent times that should help the cost of their home insurance cover to become cheaper relative to the rest of the UK over time.

Two things stand out. Firstly, the requirements in Scottish planning laws that require a "belt and braces" approach to roofs. Quite simply, roofers will usually ensure every tile is double-nailed down. In England and Wales, on millions of homes only every third tile gets the nails! When storms wreak havoc more Scottish properties are better prepared. We secure the future of our homes by safeguarding their structure. Money invested in roofs, insulation, guttering and wall-tie maintenance will pay you back handsomely.

Secondly, flood planning and prevention. Scottish local authorities have a statutory obligation to take flood risk into account. They have a statutory duty to maintain water courses. They have Flood Liaison and Advice Groups and building regulations on flood resilience. All of these are lacking south of Hadrian's Wall.

Payment protection insurance complaints still rising

Payment protection insurance complaints still rising ; Complaints about payment protection insurance (PPI) have increased further and now make up half the workload of the Financial Ombudsman Service (FOS). The FOS received 24,955 PPI complaints in the last three months of 2010.

That was 50% of the total number of complaints the FOS had received and nearly twice the number lodged with it six months earlier. PPI is supposed to help people repay loans if they fall ill, have an accident or lose their job.

pakistan first bond number 15 february 2011

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prize bond list rs 7500 1 february 2011

prize bond list rs 7500 1 february 2011 : Pakistani Prize Bond Results Last Draw Result Updated Paki, 7500 HELD AT RAWALPINDI DATED 2/1/2011 IS AVAILABLE. ” “ NEXT DRAW RESULT OF PRIZE BOND Rs. 40,000 WILL HELD AT For further improvement, PkPrizeBond.Com is working to provide SMS alerts that display information pertaining to Pakistani Prize Bond Results directly into you mobile. It hardly takes any time and you can find within few hours of announcement all details of Paki Prize Bond Results. Read More...

13 February 2011

Unemployment insurance changes signed into law

Unemployment insurance changes signed into law : OLYMPIA – Changes to the state’s unemployment insurance system that will stop tax increases for businesses and temporarily increase benefits for jobless workers were signed Friday as the first completed legislation of this session.

The Bangko Sentral ng Pilipinas revises peso forecast for 2011

The Bangko Sentral ng Pilipinas revises peso forecast for 2011  : The Bangko Sentral ng Pilipinas has revised its forecast on the average peso-dollar exchange rate for the year. It now expects a stronger range of 42 to 45 against the US dollar, from the previous range of 45 to 47, as foreign capital inflows are expected to remain robust.

valentines day wallpapers, valentines day ecards, funny pictures

valentines day wallpapers, valentines day ecards, funny pictures : February 14th is celebrated as the day of love and romance all over the world in the form of Valentine’s Day. The celebration is an amalgamation of both ancient Roman as well as Christian traditions.

Grab a byte of fun at Funmunch.com. The Network presents for you a collection of funniest jokes on the web, heart touching poems, graphics, wallpapers, amazing videos, free online games, updated movie news and lots more. It also brings for you a collection of free ecards to be sent to your near and dear ones for free!!! Join the online community at Funmunch Network and get your complete dose of fun and humor.Read More...

download free valentine msg card 14 february 2011

download free valentine msg card 14 february 2011 : Every year the Valentine Week list starts with the Rose Day only.This year 2011 the Rose Day is celebrated on 7th February 2011 that is on Monday. The Rose Day is one of the part of celebration of the Valentine’s Day which is mainly celebrated by lovers all over the world.

Happy Rose Day SMS Free Wishes On 7th February:
Rose Day SMS for loved one
All that is good
All that is true
Sweetness of life
Skies that are Blue
Are wished truly for you
Happy Rose Day 2011.

Valentines Day Gift Ideas - 14th February 2011
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11 February 2011

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Insurance bill founders in Mississippi

Insurance bill founders in Mississippi ; A bill that would have made it more difficult for Mississippi residents to avoid paying for car insurance failed to gain the votes needed to pass to the state senate for consideration.

According to the Sun Herald, House Bill 620 was rendered meaningless when opponents of the bill took several key provisions out of the legislation. By a vote of 63-55, the house ruled the bill went too far in allowing authorities to randomly check whether motorists have auto insurance, which would have been ascertained via computer database. The bill also wouldn't have allowed motorists to obtain their car tags without proving they were insured. The only thing that passed was the creation of the computer database.

Avoid car crash insurance scams

Avoid car crash insurance scams ; If the world were a perfect place, rush hour traffic reports in large cities would be non- existent. All drivers would follow the rules of the road and crashes would never happen. And the only car maintenance anyone would need to get would be to keep the oil changed and the tires rotated.

But the world isn't perfect, and unfortunately some drivers deliberately break the rules of the road in an attempt to create an insurance scam. Here are some of the types of fraud happening on the road, and ways you may be able to avoid them:

Plan for your family's future and types of insurance to consider

Plan for your family's future and types of insurance to consider ; You've probably given a great deal of thought to your family's future. Where will your children go to college? Where will they end up living? There are so many unknowns when it comes to the future and raising a family. Preparation is your best defense against the stress and worries that accompany thoughts of the unknown.

How do you prepare? Life insurance is the best way to see that your family's future will remain stable should something happen to you. Life insurance is all about protecting the future - not your own, but that of your family.

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best life insurance policy : Compare cheap life insurance quotes with moneysupermarket.com. One search to find the best life insurance cover to suit your needs from trusted insurance providers

Portability of health insurance policies from July

Portability of health insurance policies from July : Mediclaim policy holders, who are not satisfied with the services of their existing insurance providers, will now be able to switch to another firm easily without any change in the premium outgo, the insurance regulator IRDA has said.

After examining various issues and hearing representations by consumer associations and policyholders, Insurance Regulatory and Development Authority (IRDA) on Thursday said the portability of health insurance policies would come into effect from July 1.

"The Authority has examined various issues involved in the portability of health insurance plan and has issued necessary orders for effecting portability which will be implemented from July 01, 2011," IRDA said in a statement. The portability facility will allow policy holders to switch over to another insurance company with the same conditions.

"The accepting insurer shall provide cover, at least up to the sum assured in the previous insurance policy," the regulator said.

The new facility will also help those policy holders who stick to one insurer throughout life for fear of losing the cover for Pre Existing Diseases (PED). "It is essential to protect the policyholders against discontinuity and consequential loss of PED cover by making the health insurance plans portable across the insurance companies," Irda said.

In general, health insurance policies have specific exclusions for PED for a specified period of cover during the initial year, and policy holders do not get this cover in the event of changing insurance firm. It was considered "detrimental to competition".

Irda decision comes after it received several representations from consumer associations and policyholders for enabling portability of health insurance policies. Currently, IRDA allows portability of motor insurance policies.

The main features of portability are :

1. The credit from the period elapsed excluding PED shall be carried forward to the new insurer.
2. The accepting insurer shall provide cover, atleast upto the sum assured in the previous insurance policy.
3. The request for porting the policy shall be completed as per the timelines prescribed in the IRDA (Protection of Policyholders’ Interests) Regulations and guidelines.

Low cost life insurance is a specialist protection brokerage based in the UK

Low cost life insurance is a specialist protection brokerage based in the UK : We are a professional insurance brokerage who are authorised and specialise in protection insurances such as life insurance.

Unlike many other life insurance web sites on the internet, our partner is staffed by staff who are all trained to give advice to our clients. This means that not only do you get one of the cheapest life insurance available in the UK, but they will make sure that you get the policy that best matches your needs and are able to answer any questions you may have.

As specialists, we only deal in protection based insurance. This means that we are experienced with the following insurance types:

* Life Insurance
* Critical Illness Insurance
* Accident Sickness and Unemployment Insurance (ASU)
* Income Protection (Income Replacement/Permanent Health Insurance)
* Mortgage Payment Protection

We are also able to recommend replacement or top-up life insurance policies, providing that we can demonstrate that any recommendations we make are in the best interest of the policy holder, we would not recommend a replacement policy just because we are going to earn commission from the new policy. We are regulated for general insurance but we are a non-advised sale.

As a specialist company, we have the ability to search the market place for the best life insurance policy for you at the lowest possible price. You will be pleased to know that our service is free to you, the customer, and we are often able to offer discounts on the policies provided by the leading life insurance companies in the UK.

Remember, by asking us to arrange your life insurance policy you can be sure that :-

* The policy lets your loved ones receive a fixed cash sum
* Your premiums will never rise (except for any future government tax changes)
* You can choose a single or joint policy
* You can choose the amount and length of life cover that you think is suitable for you based on your own circumstances.

Cold weather pushes up insurance rates

Cold weather pushes up insurance rates : There has been a steep increase in insurance claims in the UK due to cold weather.

The freezing weather in December resulted in claims of £1.4 billion over property and vehicle claims. In 2010, insurance companies paid less than £650,000 million in the cold weather season, but the December/January period was more severe, longer and affected more of the country.

Most of the problems were caused by burst pipes or damage to vehicles.

Frozen water pipes burst and cars crashed on icy roads.

08 February 2011

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demat account charges sharekhan ; I am new to share market and business. I am very much confused as to where I should open my Demat + Online Trading account. I heard from my friends that Sharekhan and ICICI Direct are not good as

1) Sharekhan has hidden charges
2) Sharekhan’s terminal often goes down while trading and u have to wait for almost 20 minutes to trade again

3) In ICICI, the share certificates disappear all of a sudden from our account
4) The terminal is slow

Can u guys suggest me a good place to open my new Demat account:

1) I am planning to invest 4000-5000 INR every month in shares.
2) Brokerage charges should be minimum
3) I am in Bangalore right now.

Best answer: Answer by hbk_b4u
Demat account allows you to buy, sell and transact shares of private companies in India. Demat account can be opened at any Depository registered with NSDL and CDSL. There are so many depostories at Bangalore like Karvy, Motilal & Oswal, Religare, Shareholding Corporation of India, Indbank.. etc.

The Largest Business Insurance Brokers in the U.S

The Largest Business Insurance Brokers in the U.S : Insurance brokers can offer businesses services including risk management, financing, investment and consulting services. This list assembles the contact information for the largest business insurance brokers in the U.S. as designated by Business Insurance Magazine in their review of brokers for 2007. While smaller businesses may find using an insurance agent to be a less expensive alternative, these brokers and their websites give an idea of what a full-service broker can do for your business. read more Business Insurance Brokers

Chicago based insurance brokerage

Chicago based insurance brokerage : Chicago-based insurance broker Hub International Limited has acquired the shares of Sinclair Cockburn Financial Group (SCFG), a Toronto, Ontario-based insurance and financial services firm with approximately $11 million in annual revenues.

Hub acquired the property/casualty, personal insurance and group/life insurance operations of SCFG but not SCFG’s mortgage and mutual fund business.

Republican govs demand flexibility to run insurance exchanges

Republican govs demand flexibility to run insurance exchanges ; Many of the nation’s Republican governors are asking the Obama Administration for generous flexibility to implement and oversee new state-run health insurance exchanges required in the healthcare reform law.

Noting their intense opposition to the healthcare overhaul, 21 Republican recommended six major improvements for state-run exchanges that would give the states more decision power. Under healthcare reform, the Department of Health and Human Services can run a state’s exchange if it fails to set one up by 2014.

2011 Long-Term Care Insurance Price Index Published

2011 Long-Term Care Insurance Price Index Published ; A 55-year-old couple purchasing long-term care insurance protection can expect to pay $2,350-per-year (combined) for about $338,000 of current benefits ($169,000 each) which will grow to about $800,000 of combined coverage for the couple when they turn age 80.

The data comes from the 2011 Long-Term Care Insurance Price Index published by the American Association for Long-Term Care Insurance (www.AALTCI.org) that analyzed rates for 11 long-term care insurance policies. According to the Association report, a 55-year old single individual pays $1,480 annually for comparable coverage. If the 55-year-old couple did not qualify for preferred health discounts, their cost would increase by $325 annually.

Heath Lambert Insurance offers new stroke products

Heath Lambert Insurance offers new stroke products : Specialist affinity scheme provider Heath Lambert Insurance Services has extended its partnership with The Stroke Association to provide stroke survivors, their families, carers and supporters with a new suite of travel products.

The Association’s supporters will be able to take advantage of two levels of coverage, either gold or platinum, both of which cover all pre-existing medical conditions and can be taken out either on a single trip or annual basis.

Every year 150,000 people in the UK have a stroke, a third of whom die within 10 days, a third of whom recover within a month and a third of whom become disabled and require rehabilitation.

Heath Lambert Associate Director Diane Caplehorn has stated that a quarter of a million people in the UK are living with a stroke-induced disability and emphasised the broker’s commitment to providing value for money and coverage based on need.

Last year Health Insurance magazine awarded Heath Lambert Employee Benefits (HLEB) the Best Healthcare Trust Intermediary Award 2010.

Australians Likely To Have To Pay Higher Home Insurance Premiums

Australians Likely To Have To Pay Higher Home Insurance Premiums ; Australians are likely to have to pay higher home insurance premiums as insurers seek to recoup some of the $1.6 billion in claims they will have to pay out as a result of the flooding in Queensland and cyclone Yasi warns QBE Insurance chief executive Frank O’Halloran.

Australian insurers face further pricing pressure as global re-insurers demand higher premiums for substantially increasing their exposure to the risk of Australian natural disasters.

Fires add pressure to insurance premiums

Fires add pressure to insurance premiums : INSURANCE premiums are likely to be affected following an influx of claims from policy-holders affected by the devastating bushfires that have destroyed 59 Perth hills homes so far.

Some of WA's largest insurance companies, including SGIO, RAC and HBF, have already started receiving calls from customers who have lost all their possessions and had their homes raized.

06 February 2011

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youi Car insurance with a difference : Some car insurance companies make a lot of assumptions about you and your car usage. At Youi we don’t assume, we ask. We feel it’s important to understand you and how you use your car, so you only pay for car insurance that you need.

We believe the more we know, the fewer assumptions we need to make, the more accurate your car insurance premium will be, and therefore the more you should save. For example, if during the week you use your car less, or park in a secure area, you should pay less for your car insurance. Or if you’re a pilot, a stay at home parent, a retiree, or work from home and generally use your car less, you should also pay less for your car insurance. We believe fewer assumptions means a better understanding of you that should equate to lower car insurance premiums. read More...

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articles marine insurance - Origins of formal marine insurance

articles marine insurance - Origins of formal marine insurance : Marine insurance covers the loss or damage of ships, cargo, terminals, and any transport or cargo by which property is transferred, acquired, or held between the points of origin and final destination.

Cargo insurance—discussed here—is a sub-branch of marine insurance, though Marine also includes Onshore and Offshore exposed property (container terminals, ports, oil platforms, pipelines); Hull; Marine Casualty; and Marine Liability.

Canadian marine lines continue to see softening in 2010 Q4

Canadian marine lines continue to see softening in 2010 Q4 : Most companies in Canada paid the same or less for their commercial marine insurance in 2010 Q4, a trend likely to continue into 2011, Marsh reported. Abundant capacity for all but the least attractive marine risks and the absence of catastrophic losses have created a buyers' market in Canada, Marsh said in its report, Approach Your Risk with Clear Direction: North American Insurance Market Report 2011. In the Canadian market:

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marine cargo insurance clauses : Working in the marine industry can be an expensive business. All the equipment, employees and stock can all add up, so it makes sense to be prepared. That’s why investing in marine cargo insurance is always advisable, as it means you’ll be protected against any unforeseen accidents that could occur.

Marine cargo insurance is developed specifically for those in the marine trade, and can usually offer cover no matter where you are in the world. Given that cargo can be incredibly expensive it’s wise to be completely protected. You don’t want to have to pay for any loss or damage to stock out of your own pocket, so to avoid the risk of severe financial losses make sure you’ve got a fully comprehensive policy behind you.

Marine Cargo Insurance - Heath Lambert Insurance Brokers

Marine Cargo Insurance - Heath Lambert Insurance Brokers ; Heath Lambert's marine cargo team specialises in all aspects of cargo insurance, both direct and reinsurance placements. The team has a broad in depth working knowledge of the London and overseas markets with the ability to manage complex insurance programmes as well as facilities to underwrite smaller cargo risks.

Being a Lloyds broker.
we have access to the largest and specialised Underwriters in the Lloyds' market to cover your risks with the best available product, at a competitive price. visit site http://www.heathlambert.com/insurance-products-services/Pages/MarineCargo.aspx

best Marine Cargo Insurance

best Marine Cargo Insurance ; The current policy is designed for the frequent shipper. It automatically covers approved merchandise that assureds are obliged to insure under terms of sale. This eliminates the need for the importer or exporter to negotiate terms, conditions, rates, and limits for each shipment insured. Under an open cargo policy, goods can be insured “ALL-RISK”, Free of Particular Average (FPA) or With Average (WA). These coverage variations are explained below.

indonesian Shipping Insurance and Cargo Insurance Coverage

indonesian Shipping Insurance and Cargo Insurance Coverage ; "All-Risks" is the most common form of cargo insurance. An "All-Risks" policy insures approved general merchandise against risks of physical loss or damage from external causes. Approved general merchandise includes new packaged goods listed in the commodity schedule. "All-risks" policies, however, do not cover all losses possible in the course of an international shipment.

All-Risks coverage protects cargo in transit from door-to-door. This means the cargo is covered from the time it leaves the shipper's door until it arrives at its final destination, as long as it is not taken out of normal course of transit by the insured. Consider the following transaction:

Questions about car insurance companies that need answers

Questions about car insurance companies that need answers ; There are a lot of auto insurance companies offering policies covering various scenarios. Auto insurance is absolutely mandatory to ensure you don’t run into massive costs after an accident or collision. However, choosing the right policy amongst so many different companies could be a nightmare. The usual question that one gets is what exactly a direct auto insurance company is. That is a company that services and sells insurance products directly to the policy holder without dealing with sales agents or middlemen. Therefore the customers directly deal with customer service representatives. The prices in this case are lower because there are no commissions to agents involved. However, the main disadvantage is that one wouldn’t really get the same service as an agent will give you.

best auto insurance rates

best auto insurance rates : We all know that being forced to pay higher auto insurance a rates is not fun at all. Especially when you have so many bills to pay every month, dealing with higher car insurance rates makes things even more difficult.

If you are already tight on bills as it as or maybe your rates have just recently sky rocketed, it would be a good idea to find and hook the best auto insurance rates while you still can.

Insider tips about car insurance you should be aware

Insider tips about car insurance you should be aware : According to predictions in the industry, the insurance rates in the auto industry will increase further for a lot of policy holders. In such a scenario it is important to try and save as much as possible on policies. Comparing policies online and shopping around for policies is always advisable but at the same getting discounts for being a safe driver is quite handy. There are a few more strategies that you should follow when it comes to getting good rates for your auto insurance policy.

Tips To Sell Structured Insurance Settlement ? How to Get The Top Price

Tips To Sell Structured Insurance Settlement ? How to Get The Top Price : When you plan to sell structured insurance settlement, it is important to take it seriously. You have to create a state of the mind, which creates an attitude, that you have something very valuable, which you may sell, if the price is good enough.

The usual situations, when people start to plan that they have to sell structured insurance settlement is, when they have met a sudden increase in the life expenses, like the increased medical bill, the house repair or education expenses. However, it is not wise to tell these reasons to the potential buyers.

Tips For Insurance On New Cars

Tips For Insurance On New Cars : You’re obligated by legal requirements to have the proper insurance cover for your car if you plan to drive anywhere in Canada. This is a mandatory requirement in all territories and provinces if one wishes to operate his or her automobile legally. If a driver is discovered operating a motor vehicle without the minimum insurance cover in place, he or she may face undesirable consequences such as fines, license suspension, or having the automobile impounded. Ending up in either of these scenarios will result in significant increases in your insurance rate as you’d be considered a high risk driver.

What Time is the Super Bowl 2011 Kickoff

What Time is the Super Bowl 2011 Kickoff : Super Bowl 2011 Start Time: What Time is the Super Bowl 2011 Kickoff?- The Pro Bowl 2011 has already finished, and few hours ago, a lot of football fans have witnessed how the NFC defeats its rival the AFC ending up a score of 55-41. Furthermore, the NFL All-Star Game also known as the Pro Bowl 2011 is being broadcast in FOX Sports and was held in Aloha Stadium in Honolulu, Hawaii. Now we are now ready to focus our much attention to the upcoming and highly anticipated Super Bowl 2011.

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al jazeera live low quality media player : Unfortunately, due to circumstances beyond our control, Al Jazeera is no longer available via the broadband services Jalipo and VDC.

Due to copyright and distribution restrictions, not all viewers will be able to access all our video services. If the free player is not available, please try our subscription partners. We are constantly working to add new territories and agreements to the service so if the video you want is not available, please check back regularly to see when your country can access Al Jazeera video online. read more...

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