Engagement Rings: Insurance Pros & Cons »
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
If you want to avoid entering the hosting hell dimension, here are 10 potential entertaining glitches, and how to avoid them.
Home security comprises a number of different technologies, tools and techniques. Choose one that fits your needs and your budget.
It is with a happy heart that I write of my wonderful experience with Foundation Financial Group during a recent refinancing of my mortgage. And, primarily, my satisfaction and joy was dealing with your very competent employees: Lauren Hill and Susannah Ruby. From the very first phone call, Lauren presented herself as an exceptional professional with seasoned interpersonal skills. I had actually been working with another company when I received Lauren's phone call from Foundation Financial Group. I had dealt with and ignored many calls from lending institutions in the several days since I had applied on-line and was satisfied with the proposal that I had been granted. But, Lauren's manner was immediately attractive and she was determined that she could make me a better offer. The more I spoke with her, the more I realized how much more thorough and knowledgeable she was than the company than I was already working with. Lauren and Susannah spent countless hours on my refinance and often worked well into the evening. It was not unusual to receive emails and phone calls at 7:30 in the evening. I was particularly touched by the very personal way that they handled a family crisis during the refinance period. My elderly mother was in the hospital out of state and I needed to be there. There were many documents that your office needed from me in order to continue the process. I had no choice but to abandon my end of things and go to GA to care for my mom. Lauren and Susannah were genuinely compassionate and encouraging about the situations. I have no doubt that this interruption caused hardships on the time-line that they were working with, but they both handled it so gracefully and with genuine concern for my family. The most pleasant part of the work was actually forging a relationship with these two young women. Putting your finances in the hands of someone whom you've never met could be a daunting process, but Lauren continued to educate me at every turn. She was always contrasting how Foundation Financial Group does the process and emphasizing the thoroughness that each client receives as opposed to some other companies. She completely put me at ease with my questions and answered them in a way that a "lay" person could understand. Certainly one expects a strong understanding of the financial endeavors that she is engaged in, but Lauren offered so much more. She was efficient and smart but also so very human and fun. I particularly enjoy conversation and often we shared part of our personal lives. It was just so easy to relax and know that she was truly motivated to get the best plan for me that she could. My expectations of the refinance were exceeded and in a time-line far quicker than I though possible. I spoke with Susannah less but again, was so very impressed with her abilities. She had a delightful sense of humor and it was so fun to relate on a personal level that went beyond the "basics" of transferring information. I think she and Lauren have a synergy between them that would put anyone with a financial need at ease. Thank you very kindly for such a stress free experience. It was amazing to have the notary even come to my house for the signing of the multitude of papers instead of my going to her. Also, the appraisal team that you selected for the area was equally competent and personable. ALL the way around, from the first phone call to Lauren's very kind personal note of appreciation at the end of the work, Foundation Financial Group impressed me on the highest level. I will gladly refer anyone that I may to do business with you.
I am writing this letter on behalf of my husband, Johnathon Bell and myself regarding our recent re-financing of our mortgage loan. We would like to say that we were very pleased with the quick and simple process that we encountered with your company, and in particular the manager, Daniel Sessions. We have re-financed before, and it was a long, drawn-out process, and very frustrating, so we were hesitant to do it again, particularly with an on-line company. However, after inquiring on-line about rates we were contacted by Scott, from your company, almost instantly. After Scott got all of our information he put us right in contact with his manager, Daniel, who assured us that he would try and get our loan done within 15 days, which we found impressive, but not quite believable! We did our part, getting the papers and verifications to him next day, and found him to be very professional and personable when we visited your offices. Furthermore, we were pleasantly shocked when everything went without hassle and we were ready to close in LESS that that original 15 day quote. We would definitely recommend your company to anyone we speak to about mortgage loans. Thank you for making our re-finance a pleasant experience.
As with most things, to be good, you have to practice. And to be great you have to practice not just a lot, but with focus and dedication. The thing about practicing trading is it encompasses so many different disciplines. There's technical practice where you practice price action theory, and learning how to work your trading platform. How to do top down analysis and choose the right timeframe for the type of trading you're doing - day v.s position, etc... There's target practice, where you learn how to set the correct targets. And then there's the most important of all, risk management practice, where you learn how to stay in the trading game as a fulltime professional trader. And last but not least the practice of trying to develop an eye for the quick recognition of high probability chart patterns so you can quickly discern what to and what not to trade that day. What PFA offers is the ability to learn and practice all of these things and much more with the added glue that ties this all together - mentorship! Thank you PFA for helping me turn a bunch of chart patterns into everyday common sense! ~ OB
Shucheng Xu Agency with American Family Insurance is providing very competitive insurance rates for auto, home, business, and life. We are also providing the best customer services to all kinds of customers. We have a lot of discounts for auto and home insurance: Auto Discounts: Multiply vehicle discount, good driver discount, defensive driver discount, good student discount, new auto discount, 50+ age discount, and teen safe driver & young volunteer discount. Home Discounts: New home discount, home purchased discount, home security & fire protection discount, age of customer discount, home/auto combined discount. Both of Auto and home policies provide New Customer, Full payment, and early bird discounts. Our company also provides wonderful life insurance products including Term (10 years, 20 years, and 30 years), Whole Life, and MyLife Flexible. For whom have auto policies in our company, we provide SimplyProtected Term life insurance with large range of ages (18 to 60 year old) and minimal health questions. It is so easy to have a dream to protect your family and reserve education fund for your kids.
Hi Megan, just wanted to let you know how much we appreciated the way you handled our application with Foundation Financial. From the beginning, you convinced us that Foundation Financial, because of your open, truthful, consistent and determined efforts was the right choice for us. You listened to us, confirmed our needs and chose the correct product for us. I know that there were a few days during the course of our project where, because of my schedule, I was a little overtaxed with your requests. You remained very professional, understanding and helpful never the less, and you got us through the process in record time. We were offered very competitive products by our own bank and others, but no one else showed the interest in our business, and offered as much of themselves, as you did Megan. The savings on the home insurance package you offered (nearly 50 percent off!) was sensational. Thanks again for all your help. Best wishes for your continued success . You obviously love your work and with your work ethic and dedication, you are sure to continue doing well.
I have been a PFA student for about 3 months and like most people here, I concur that this is the best trading education I have been exposed to. I had always rejected any type of course that was based on supply and demand or reading the market because it required effort on my part to learn the methodology and being lazy I didn't want to use my brain to trade. I figured why spend time learning to read the markets when I can just buy a red light green light system that does the thinking for me. Unfortunately this is the path that most new traders go down. If that's you, good luck with that. After wasting a lot of money (I'm scared to calculate the real figure) I finally took the plunge with PFA. I did my due diligence and this course stood out as the best when it came to learning about supply and demand trading. Yes you need to use your brain, and yes it does take time and effort.on your part to learn it but the results are worth it. This is the last trading course you will ever need.
My experience was "informative". I did go in expecting one type of position and received a different type of opportunity. Something different in terms of my own footprint opportunity vs the traditional stuck the rut, count on someone else to make me money, accompanied with a capped income kind of situation to boost someone else's bottom line all while busting my buns to try to make their unreasonable, biased production quotas to increase their bottom line and eventually leave me out to scuffle for more at retirement. No thanks! Been there ,done that... What this agency is offering is a situation that is flexible with high income and growth potentials, no rat -race included. I'd rather make my own way than to let a stagnant promise of a false-hope job get in my way. When we decide to create our own wealth at our own pace, then we have decided to determine how and when we will arrive at our expected destination. My glass, is already half-full.
I joined PFA a couple months ago, after leaving all the promising indicators and trading systems behind - I gave up with the money pit and "buy this and you will be the next lottery winner" type of things... I was chasing a good place to learn the pure/naked charts trading method and after a long time, finally I found PFA. I'm not telling a fairy tale, just talking about a place to learn an excellent method and get educated by an exceptional honest educator - Will Busby. I was willing to learn hard and I'm willing to learn hard to understand and use his method as a full time job trader. My trading is already improved big time, as well as my understanding about the market moves, price actions and naked chart reading, thanks for Will for his awesome skills of educating and trading. I'm glad and proud to be part of his members and this is the first time in my trading carrier I can say: this is the best investment I ever made. Thank you, Will!
Thank you once again for all the time and energy you put forth with getting me to closing. I have to say that I have consulted with about 5 different lenders over the past year so I know what I'm talking about when I say that Foundation Financial Group is by far the most professional organization I have ever dealt with. Actually I don't think I ever dealt with a representative as professional and courteous as you in any line of business I have engaged in. I appreciated you following up with me every day and guiding my and/or keeping me up to date with current status of this process up until closing. I also appreciated the high/positive energy you displayed whenever we spoke. You truly made this extremely stressful process easy and worthwhile. If I had to judge FFG on a whole based on my experience with you and compared to all the other lenders I have dealt with I would sincerely say that FFG is #1.
Every person chooses insurance based on different reasons. For me, it's about not being a number in a system, i.e. when I call, I can speak to the same person. They're familiar with my situation and I don't need to waste a bunch of time "briefing" someone on a claim I've already filed or ask some anonymous person at the end of the line about my private financial matters. I didn't do a lot of price shopping because I'd already gone the "cheap" route and wasn't happy, so you may be able to find a cheaper quote...but I doubt you'll find better insurance for the price. Believe me...I've used a lot of insurance companies in the past and I'm really glad not to have to deal with making any more changes. Could I be getting my car insurance for a lower price? Maybe...But would it be worth the hassle? Not for me...but you may be different. It's just a matter of what's important to you.
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.