Why is honesty the best policy?
Question:
Answer:
Because lying will come back to den you and ruin your reputation in the process. People won't trust you and won't want to do business beside you. You may have no remorse in the order of lying and feel no sense of guilt or shame, but, from a pragmatic standpoint, liars own few if any friends because people who do enjoy social standards won't want to associate with a con artist. It will affect your job if you are specified as a liar and will ultimately affect your promotability. Who but a fool would place a storyteller in a position of trust and responsibility? So, even if you hold no social conscience about lying, you will at most minuscule feel the financial and social effects of person branded a liar. A individual with the reputation of human being truthful and honorable will find that he or she can literally bank on that reputation.
Because it's trouble-free to look at yourself the following morning.
Lies end up coming hindmost to you in the wrap up, plus when you tell the truth it relieves stress.
Because it is easier to remember the truth, than remembering a recline
It just is. If you transmit the truth there are no lies to remember.
Because God values truth over lies.
Because it's too thorny to remember all the lies. And it's easier when ancestors trust you - and if you aren't honest, people won't trust you.
Well, because if you're discovered, it is knotty for others to trust you as much as they did- again. But of course, sometimes white lies can backing others from being hurt or intuition bad, but when you say-so lie-upon-lie, you feel queasy at darkness before sleeping, and mortified and squirmy, because at that point of time, even if you own up, you are sure to loose some of the best assets a person could have- relationship (friendship, dating, etc...) Be frank, be comfortable next to yourself. that's why honesty is the best policy. also i'm going to have to agree near mbrcatz
Easy, who wants to be lied to?
Of course.. would u ever want anyone to slump to you? you will feel cheated... thats matching way evryone would touch... and being honest save you trouble.. maybe lying might rescue u for now.. but not forever... the truth will be revealed sometime.. and that day, u will surely regret for lying... because.. to gain one's trust is not so confident... but to lose it, it's just a business of seconds.. once a personage have lost trust on a personality, it's very knotty to be like conventional again... maybe they might treat u similar to before.. but the scar u hav left will nvr be heal... and one lie requires more lies to cover it up.. putting you into a more difficult situation.. so why fake?? honesty is the BEST policy!
Medicare or other affordable form insurance?
Question:
I live in NYC, lately moved here and need to find relatively affordable condition insurance. Up till now be covered by plans through employers. Is Medicare clad coverage? Is it very different from others?
Answer:
Zippy is right on this one. You are not eligible for Medicare unless you are 65 or elder, or are disabled, or have be diagnosed with renal ruin. If none of these 3 apply, you cannot get Medicare coverage. Medicaid is a program administered mutually by the State and Federal government. You must come across certain income guidelines surrounded by order to qualify.
If you are not employed and are looking for individual coverage, I suggest that you contact one of the big insurance carrier in NY, close to Empire BC/BS, HIP of NY, to see what products they have available to individuals.
If you're underneath 65 years old, you can not apply for Medicare, if you're making no money, you can try to apply for Medicaid. However, consider Healthy New York if you enjoy a job. It's better than straight Medicaid - which tons private physicians are no longer accepting.
Claiming on house contents insurance?
Question:
Hi all,
I'm hoping someone can give a hand me out here. I have lost a piece of expensive trinkets that was hand to me around a year ago. I am wondering if I can claim for this on my house insurance ? it's never going to replace this jewllrey as it belonged to my late father, but my mum think that I should claim on the insurance.
does anyone know if this is something that I could do? do you think the insurance company will settle up out on this. I don't know the value of this but I'm sure I can find something of equal value I guess.
Answer:
It's adjectives in the details.
First, it depends on what type of policy you hold and the specifics of the contract. Very few standard homeowners policies (condo, townhouse, and/or tenant policies) cover for what's known as "mysterious disappearance" of contents unless the item have been specifically planned on the policy. When you "schedule" an item on the insurance, you pay extra to own the item listed and you provide details in the order of the item (usually including an appraisal of the item, particularly if the advantage is more than $2,500 -- though the threshold would vary by company.)
In other words, the regular contents coverage might enjoy covered this piece of jewelry (assuming the value go over the amount of your deductible) if it were stolen, or destroyed within any kind of covered claim (like a fire); it's VERY unlikely that it will cover for the "mysterious disappearance" of any contents that weren't scheduled specifically on the policy ("scheduled") beforehand.
You can call your agent to check, unsurprisingly. If you have any other pieces that you'd close to protected for the future, though, you should probably register them on your policy. The coverage costs a little more, but it's really not extremely badly expensive.
all policies hold different wordings so check the conditions on yours. I wouldnt expect them to pay for an item which is lost to be honest - you could confidently find it again in your house. If it be stolen that would be a different matter
The single way to find out is to ring and ask!
If you enjoy cover for individual valuable items that you run away from the house then you should know how to claim (eg you may have taken other cover for a laptop or something like that). However, take on in mind that this is just one thing and will adversely affect adjectives premiums plus you will have an excess to reimburse, so it may not be worth claiming.
Call them and ask. Usually homeowner's insurance covers the contents up to a certain merit, so if you have $20,000 worth of coverage, they'll reimburse you for the estimated pro of the jewelry. (As far as I understand.) I don't know if losing it is something they would cover ; usually it's when something beyond your control happen, but it's worth calling about.
yes you can if you hold cover for personal possessions, but you must try to claim anyway
I believe when you have specific items similar to that, you need to have a word to the insurance company beforehand. When you do, you need pictures, replacement plus appraisals, etc. done to the items you want to cover with the insurance. Otherwise, I believe the contents insurance is used for the fire, hose damage, etc. to replace furniture and other items that belong to the house. You should double check.
homeowner's insurance usually have limits they will clear out on certain items...one of them is jewelry. Any meaningful pieces of jewelry as well as art, collectibles, furs, things such as this should be insured individually beside appraisals if necessary and/or sale receipts on a floater.
I would bet there is some coverage for jewelry on your homeowners policy, but beside a limit...read aloud $2500. Your dedutcible would also be subtracted from the payout. Depending on the amount of your deductible, it may not be in your best interests to report a homeowner's claim for such a small amount of money.
Depending on the company you may not be renewed or could be subjected to surcharges on the policy. It would be better to check with your insurance agent to find out exactly what type of jewelry coverage you own and if it would be worth it to file the claim.
If you're not sure, ask an 'assessor' to buy and sell with your claim on your behalf. They'll know best whether you can claim or not and, if you can, buy a decent settlement for you.
http://www.ajcconsultants.ltd.uk...
How will u Dutch auction u r insurance?
Question:
Answer:
Get your name out nearby. Advertise your services.
Depending on the type of insurance that you want to sell here is a document of places to check out:
Life Ins. http://www.insuremylife.org
Home Ins. http://www.insuremyhouse.com
Business Ins. http://www.insuremywork.com
Make sure that you understand the products you are selling and be prepared to explain them to the customer.
Well, if I want to put up for sale insurance, I have to convince my client that I'm intelligent and competent - so I start near proper grammar and spelling.
I am an auto insurance broker, and i go to different customer service training sessions, and the instructor was expaining that your department staff needs to stir a step further by offering better service just doing the extra things that may ultimately relate to insurance but will build good customer relations. Wht\at i own observed, the insurance agencies and companies that get notice are the ones that are involved with different events. This passageway you advertise yourself and save reminding people that you exist. The most impressive this is to choose a great location, if there is another insurance agency of late across the road then it's definatly not a virtuous idea to be located their.. If you are not an agency but an actual underwritting insurance company than you entail to offer better deal than other companies. because the coverages are simular with most, the prices differ
Malpractice insurance?
Question:
does the state of tennessee require licensed practical nurses to have liability malpractrice insurance?
Answer:
It shouldn't event if it's required or not. it's good practice newly to have it, of late in crust. better safe than sorry :)
Contact the Tennessee Department of Health, or someone who is an LPN contained by Tennessee.
Medical malpractice insurance isn't REQUIRED by LAW, anywhere, that I know of.
It's a really good belief, though, and most of the time, it's required by contract - ie, the hospital won't let any non-employees work within, without proof that they own medical malpractice - and they provide it for their employees.
How to edify the ancestors on Insurance? As its most essential.?
Question:
As you know the fact, that lone 17% is covered under Insurance surrounded by India & rest others are still with out Insurance benefits, so could you adjectives please provide me a better solution, inorder to educate those & provide benefits to all.
Answer:
Well I chew over the best way to train them is to tell them in the order of one of your customers who missed out.
I have be in insurance for a year and its going thoroughly well I enjoy had a client that i use everytime when someone doesnt know how exalted insurance is.
Basically I go and explain a simple vivacity insurance policy to him that would cover him in the event that he died and would be more than plenty money where his wife could take-home pay off the house and hold money left over. He told me he would purchase the insurance when he get his income taxes back which would be within 2 months. (the policy was solely $20 a month) Sad to say 2 weeks after discussion to him he had a heart attack and died. His wife be left next to a mortgage and no job and no coverage on him what so ever. She have to end up selling the house in recent times so they wouldnt forclose and didnt make more than going on for 10k profit off of it. Now she lives next to her sister and work at a department store. I think those need to realize that buying insurance is not a choice you brand name for yourself. You are making the choice to provide for your family and cover your family unit if something shall happen to you. You are protecting them not yourself. Thats the means of access I see it. You are providing a service that everyone needs and that almost anyone can afford. A bit of suggestion dont sell the policy thats gonna manufacture you the most money look for what your client REALLY NEEDS. Good luck
I think one path to make society aware about insurance is to discuss about the outcomes to some extent than products/plans. Being the only financial tool which give protection as well as investment it have a great potential. If people can kind connections about the solutions it provides to the problems they facade or they always verbs in vivacity, it might help.
yar key bhi teri trehe hoon. icici pru. main ...marne do . allredy populetion jyada hai cuntry ki.
dance to them and do their need analysis
This site have some great articles and tips on why various types of insurance (life, medical, auto) is beneficial. You could try in attendance. http://insurance.divinfo.com/
Yes. It is very historic. Insurance help to diminish the burden of individual and business families. It help the social and economic nouns of the country. Most of the rural sector is not development. Insurance help for the growth. So we educate the inhabitants on Insurance.
How do you contact the american mutual natural life insurance company?
Question:
I tried to contact them by letter,but it be returned . I have an outmoded policy and want to make some change,but I can't find an address for them
Answer:
It's a long answer:
American Mutual demutualized quite a few years ago, consequently merged with several Life Insurance Companies to become AMERUS Life Insurance Company. Here's a connect to their former web site: http://www.amerus.com/.
When you carry to that site, you'll find out that Amerus Life Insurance Company was simply acquired by Aviva Life Insurance Company. And (You still next to me?) there is a relation to Aviva at the bottom of the Amerus page.
Now, during many of these mergers, bureau staff and personnel sometimes stay the same, including the outdated phone numbers, which may still be answered using the new corporate nickname. With that in mind, try this hoary toll free number, I just did and it be answered: "Welcome to Amerus Life."
American Mutual--Amerus--Aviva: 1-8OO-8OO-9882
You should have no problem getting service near.
Good luck,
Grampy
I don't know what address you tried, but here is one I found by searching Infospace.com. Good luck. There may be other address and this could be just a branch bureau so you'll need to inquire where on earth the home office is.
American Mutual Life Insurance CO
320 Castillo Road
San Luis Obispo, CA 93405
805-546-8006
Looks similar to they were bought out.
Need some help out? Take the policy to an ins agent, Prudential,MetLife, nationwide, whoever is close you, and show them the policy.
This is almost a daily occurance contained by the ins industry, and they will help you out.
Can anyone relate me, next to most group insurances, do you enjoy to permeate out a medical questionairre?
Question:
I have coverage right very soon, but if I were to achieve a different job and different benefits, would they deny paying for meds for pre existing conditions? I live contained by Canada by the way.
Answer:
I am pretty sure canada is something like the same because when it comes to strength care they are more nonjudgmental. Basically if you leave 1 work and go to a trial one you would have to own insurance continuously between switching insurance carriers. In other words if you quit your charge you would have up to 2 months formerly having to return with new insurance and them covering your pre exsisting conditions. If your tentative insurance wont start for 90 days like most companies next it would be wise to do a few things any 1. Get a temporary insurance to cover you during that time so you wont experience a lapse within coverage and have to walk through the 6 month waiting period. or 2. if your company allows you to get hold of 3 month prescriptions then grasp 3 months at 1 time to hold you over until your next charge and insurance goes into place. (when it comes to prescriptions within is no waiting period. But for the insurance company to cover you for doctors visit for a pre exsisting condition there could be a waiting interval if you experience a lapse of more than 60 days in coverage.)
And to answer your specific query do you have to crowd out a questionaire. If its group health insurance consequently no you shoulnt have to flood out one.
Insurance Agency Help?
Question:
I am a new Agency Owner (Captive near Farmers) and I am having a knotty time getting started. I have be purchasing Internet leads, cold calling, lifeless fliers, etc., but I am not having any luck. I hold a few written policies, but I will need much more to come across my requirements and earn a decent living. Is in attendance anyone out there who can bestow me some pointers? I would greatly appreciate it.
Thanks in credit!
Answer:
Well, IME, cold calling and purchasing leads doesn't work, as you've see.
What DOES work, is targeting a neighborhhood, and knock on doors, introducing yourself, and handing out your business card. You'll carry maybe 1 within 20. Which is a pretty good hit ratio.
What also works is network - finding a business where you can step to THEM, quote the insurance of the employees. Bring donuts. Super convenient for the force, target marketing to employed people for you.
Offer a free 'class' at the local library, how to read your auto policy, or how to determine if your coverage is right for you, something approaching that. Of course, hand out cards.
It's HARD HARD work the first few years, you HAVE to pound the pavement, craft the cold calls, and BE PERSONABLE, and mostly, do the 60 - 80 hour work entity - weekend office hours would be a MAJOR selling point.
There are a few hype methods that I can say work all right. Does your local grocery store have ad on their shopping carts? That seem to be effective. I agree next to the door-to-door idea. You could even run a example quote for a neighborhood as most houses in an nouns have roughly matching square footage. Also get programmed in the online insurance directories - http://www.findlocalinsurance.com...
Cold calling is a consume of time. How many times enjoy you bought anything from someone that cold called you? Cold calling worked 40 years ago. A lot have changed in 40 years and at hand is more dislike of cold calling now than ever since. I just finished reading Frank Rumbauskas' book 'Never Cold Call Again' and I significantly recommend it. Does Farmers write commercial accounts where you are? They are not a criminal in North Carolina. Our agency represents them on personal lines simply. With Farmers take authority of their affinity discount programs for groups like teacher, firefighters, medical, etc.
Now that it is nice outside, going b2b is one of the best and cheapest ways to get topical clients. Also, it gets a pretty unpromising rap, but cold calling to small businesses is a pretty good instrument to generate free leads. I also recommend that you check out www.insurance-forums.net/forum as they own some pretty good discussions just about marketing.
what is the responsility of employer surrounded by group strength insurance of workers?
Question:
Answer:
I think it vary by state. But in proclaim for an employer to offer group form insurance they are required to pay a portion of the insurance. Other than that I dont deduce there is much else responsibility. The plan is usually manage by another company and the employer deducts your premiums from your settle check before taxes and it get paid to the insurance company. If nearby is something more specific you want to know please elaborate on the put somebody through the mill.
An employer does NOT have to provide group form insurance for employees.
If an employer DOES provide it, they hold a responsibility to pay the group premium surrounded by a timely manner, and if they collect premium from the hand, to remit it to the insurance company in a timely behaviour.
In order for an employer to donate group health insurance they are required to salary a portion of the insurance. Other than that I dont think in that is much else responsibility. The plan is usually managed by another company and the employer deduct your premiums from your pay check past taxes and it gets compensated to the insurance company.
can my health insurance be permanent status when the company close down
when i am still getting paid for short residence disability and till Feb 6
Do any companies present vivacity insurance settlements for those underneath 65?
Question:
i'm not a senior and i have relatively devout health. do any companies set aside settlements/buyouts for life insurance policies for non-seniors?
Answer:
They do, but don't expect to acquire much for it.
If you have an incurable diesease and a short natural life expectancy and are under 65 you can bring quite a bit surrounded by advance of the passing by assigning your policy. Not what you want to have to do, but it is an risk.
How does insurance work? I may settle up $33 a month for auto. But how the heck do they salary me $12000 if i wreck it?
Question:
and what of homes. $40 a month but they can dish out $100,000 if it burns? No way everyones premiums can knob those claims?
Answer:
I believe they take the premiums you settle up them and invest them and make interest sour them.
usually if you file a claim your premiums shift up
They get 100,000 ethnic group to pay them $33 a month. Then hopefully solitary 100 wreck the car.. next to be sure that they make money. They singular pay you $6000 because your sports car depreciated when you drove it off of the lot.
They bet you $33 a month that you won't wreck your motor, and you bet them that you will. We all place our bets every month, but most of us don't wreck our cars, so they find to keep those bets. The ones who wreck their cars win their bets and buy latest cars with their winnings..
Also, relatives invest in insurance companies, but the companies would to some extent pay them premiums than use their money to money out claims. That is why some insurance companies go in debt after a very big frequency, like a hurricane.
Like having a bet, it's all in the region of risk. They're banking, literally, on insuring lower risk folks over higher risks folks.
A portion of your premium goes into a "pool" of funds which are invested. Whenever someone have a loss, reserves are set aside and the claim is paid using these reserves.
Problem is, when you factor things such as insurance fraud, rising costs of repairs (materials, labor rates, etc.), inborn disasters (like Katrina) the insurance companies are forced to raise their rates to compensate for these things. Howver, when companies properly control their expenses and merely pay for damages that are rightfully owed by law as in good health as under the contract, and when the DOI allows for a rate narrowing...the insurance companies will lower premiums across the board.
It's called "the imperative of large numbers". The larger the group is, the more accurately you can predict adjectives losses. You divide the loss cost among the group members, so you collect adequate from EVERYONE to pay the loss.
Not everyone who pays $33 a month for auto insurance will hold an accident. Once you DO Have one, I promise, you won't be paying $33 a month for insurance any more!
As an example, for every 1,000 race that own a house, only one of those houses is going to enjoy a fire, and only one contained by 50 fires will be a "total loss". So you take ALL those individuals, average the cost of the houses, divide out the premiums, that's why you don't have to earnings $12,000 for your car insurance.
Insurance is laying a bet, and you can be pretty sure that the companies have a perfect handle on the probability. If the odds are against you, your rates will be greater than someone who's odds are within their favor.
Yes they can Kyle like others enjoy said it's the Law of Large Numbers. Also insurance companies invest much of the money for return, making money off the money salaried in premiums. Insurance companies have need of to have the reserves neccessary to bar catastrophic losses so when that big hurricane hits or that tornado tears up the midwest they are able to manipulate the financial hit. After that accident on your subsequent renewal if you were at culpability you'll have a nice surcharge because of it for three years.
In Pa how much can a party on ssdi fashion and still be eligible for medical assistance/medicare?
Question:
Answer:
yes
I suggest contacting your county government's website for a reference on which bureau to consult for an exact answer. They have software & table to give a speedy accurate reply. It's part of your import tax dollars at work!
How does a mortgage company buy insurance on property soon and record a claim the subsequent dayon the property?
Question:
The mortgage on property I owned was not person paid, as a result the insurance (escrow) was not anyone paid. There be damage to the property; the mortgage company file a claim, and collected. How with no police report, no statement from me, etc. The purchase insurance one week and file a claim the next week.
Answer:
The mortgage company is down as a lien holder on the property and would have be paying the premiums on the policy for the property since you were not. The insurance company would own had the mortgage company information contained by its records from the outset. The mortgage company would have have to notify the insurance company of the loss, and the amount they collected should be going to repair the damage, not into their own pocket. You own obviously default and therefore are out of the loop at this point. They made a claim on the existing policy and did not stir out and buy insurance one day and kind a claim the next. A mortgagee is not going to allow a property contained by which it has an interest to turn uninsured.
yes, I have hear of mortgage companies doing that.
The wonderful world of mortgage business. The PMI premiums probably cove rd insurance for them.
Mortgage companies don't buy a policy for each property. They enjoy a "mortgage impairment" policy, on a reporting form basis. What that system, is they have an accessible policy, which gets audited every month. Once a month, they transport in a register of the properties which are not insured by the owner, and those go automatically on "their" insurance policy. Then the total (mortgage) attraction of all the properties get calculated by the rate, and they are sent a bill for any additional premium or return premium, respectively month.
For smaller mortgage companies, the reporting form is on a quarterly basis.
Mortgage impairment just pays the mortgage company, and only pays up to the mortgage be a foil for, and NEVER pays the property owner. You are a THIRD PARTY, so actually not involved. As they aren't interested surrounded by being a proprietor or real estate agent, they don't really caution about whether or not the property is repaired (it's not THEIR responsibility, it's the owners - until they forclose on it) - they merely care more or less the dimunition in the importance of the house, pre-loss to post loss. Which, their policy pays.
I wouldn't bet on the police report, though, depending on the type of loss, it might not be required, or it could have be filed by the mortgagee.
The responsibilities of a fiduciary are?
Question:
it has to do beside life insurance, stocks and bonds
Answer:
In the handling of money and when one act as a corporate or individual trustee, there is a fiduciary responsibility owed to the principal event. It is defined as a relationship imposed by law where on earth someone has voluntarily agreed to stroke in the size of a "caretaker" of another's rights, assets and/or well person. The fiduciary owes an obligation to fetch out the responsibilities with the utmost amount of "good expectation, honesty, integrity, loyalty and undivided service of the beneficiaries interest." The good creed has be interpreted to impose an condition to act credibly in direct to avoid negligent handling of the beneficiary's interests as okay the duty not to favor ANYONE ELSE'S INTEREST (INCLUDING THE TRUSTEES OWN INTEREST) over that of the beneficiary. Further, if the agent should find him/herself in a position of conflicting interests, the agent must disclose the dual agency (acting for two party at the same time) or risk mortal accused of constructive fraud contained by regards to both or any principals.