The best way to travel

Living Beautiful and Healthy

Advices from a big traveler!

I really enjoy traveling. Most of the time, it is for pleasure. Of course, it is nicer and easier than traveling for business! But it is fastidious too! It can be quickly a disaster (12 or more hours in a plane is not something very nice!).

I will give you some quick tricks 😉 IMG_3848

–       Always being comfy! You can be fashion if you want but in a comfy way (my yoga wear and my converse are for me the best outfit)

–       Don’t forget the sweater! It’s always freezing in a plane! And so, the socks (it is much more comfy too). Do not hesitate to ask for a second cover. I automatically ask for one once seated.

–       Have in the bag a small beauty bag with cream, lotion, and toothbrush (with mini toothpaste) in traveling size to keep the skin moisturized (it…

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Insurance Company Rankings

TOP TEN WRITERS OF PROPERTY/CASUALTY INSURANCE BY DIRECT PREMIUMS WRITTEN, 2012
($000)
Rank Group/company Direct premiums written (1) Market share (2)
1 State Farm Mutual Automobile Insurance $53,654,237 10.3%
2 Liberty Mutual 28,297,511 5.4
3 Allstate Corp. 26,652,040 5.1
4 American International Group 23,596,418 4.5
5 Travelers Companies Inc. 22,695,958 4.3
6 Berkshire Hathaway Inc. 20,236,495 3.9
7 Farmers Insurance Group of Companies (3) 18,311,402 3.5
8 Nationwide Mutual Group 17,042,933 3.3
9 Progressive Corp. 16,559,746 3.2
10 USAA Insurance Group 13,286,274 2.5

(1) Before reinsurance transactions, includes state funds. 
(2) Based on U.S. total, includes territories.
(3) Data for Farmers Insurance Group of Companies and Zurich Financial Group (which owns Farmers’ management company) are reported separately by SNL Financial LC.

Source: SNL Financial LC.

 

Understanding the Claims Payment Process

An adjuster will inspect the damage to your home and offer you a certain sum of money for repairs. The first check you get from your insurance company is often an advance against the total settlement amount. It is not the final payment.

If you’re offered an on-the-spot settlement, you can accept the check right away. Later on, if you find other damage, you can “reopen” the claim and file for an additional amount. Most policies require claims to be filed within one year from the date of disaster. Check with your state insurance department.

When both the structure of your home and personal belongings are damaged, you generally receive two separate checks from your insurance company, one for each category of damage. You should also receive a separate check for additional living expenses that you incur while your home is being renovated.

Structure

If you have a mortgage on your house, the check for repairs will generally be made out to both you and the mortgage lender. As a condition of granting a mortgage, lenders usually require that they are named in the homeowner’s policy and that they are a party to any insurance payments related to the structure.

The lender gets equal rights to the insurance check to ensure that the necessary repairs are made to the property in which it has a significant financial interest. This means that the mortgage company or bank will have to endorse the check. Lenders generally put the money in an escrow account and pay for the repairs as the work is completed. You should show the mortgage lender your contractor’s bid and let the lender know how much the contractor wants up front to start the job. Your mortgage company may want to inspect the finished job before releasing the funds for payment to the contractor.

Some construction firms require you to sign a form that allows your insurance company to pay the firm directly. Make certain that you’re completely satisfied with the repair work and that the job has been completed before you let the insurance company make the final payment. Remember, you won’t receive a check for the repair job. The construction firm will bill your insurance company directly and attach the “direction to pay” form you signed.

Bank regulators have guidelines for lenders to follow after a major disaster. If you have any questions contact your state banking department.

Personal belongings

The first step is to add up the cost of everything inside your home that has been damaged in the disaster. Now is the time to review your personal inventory, to help you remember the things you may have lost. If you don’t have an inventory, look for photographs or videotapes that picture the damaged areas. For expensive items, you may also contact your bank or credit card company for proof of purchase. When making your list, don’t forget items that may be damaged in out of the way places such as the attic or tops of closets.

If you have a replacement cost policy, you will be reimbursed for the cost of buying new items. An actual cash value policy will reimburse you for the cost of the items minus depreciation. Regardless of which type of policy you have, the first check will be calculated on a cash value basis. Most insurance companies will require you to purchase the damaged item before they will reimburse you for its full replacement cost.

If you have financed your home, your bank may have received a check for both repairs to your home and your possessions. If you don’t get a separate check from your insurance company for your belongings, ask the lender to send the money to you immediately.

If you have a replacement cost policy, you may be required to buy replacements for items damaged before your insurance company will compensate you. Make sure to keep receipts as proof of purchase.

If you decide not to replace some items, in most cases you’ll be paid the depreciated or actual cash value of the items that were damaged. You don’t have to decide what to do immediately.

Your insurance company will generally allow you several months from the date of the cash value payment to replace the item. Ask your agent how many months you are allowed before you must replace your personal possessions. Some insurance companies supply lists of vendors that can help replace your property.

Additional living expenses

Your check for additional living expenses should be made out to you and not your lender. This money has nothing to do with repairs to your home and you may have difficulty depositing or cashing the check if you can’t get the mortgage lender’s signature. This money is designed to cover your expenses for hotels, car rentals and other expenses you may incur while your home is being fixed.

OPTIONS FOR REBUILDING

If your home has been destroyed, you have several options:

  • Rebuild your home on the same site.
    The amount of money you’ll have to rebuild your home depends on both the type of policy you bought and the dollar limit specified on the first “declarations” page of your policy. Generally, you are entitled to the replacement cost of your former home, providing that you spend that amount of money on the home you rebuild. Remember, your insurance policy will pay to rebuild your home as it was before the disaster. It won’t pay to build a bigger or more expensive house. A similar rule applies to repairs.
  • Decide not to rebuild or to rebuild in a different location.
    The amount you’ll get from your insurer will be determined by your policy, state law, and what the courts have ruled on this matter. If you decide not to rebuild, review your policy and ask your insurance agent or company representative what the settlement amount will be.

Why should I buy life insurance?

Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:

  1. Replace income for dependents
    If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents with young children. However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults, such as parents, siblings or adult children who continue to rely on you financially. Insurance to replace your income can be especially useful if the government- or employer-sponsored benefits of your surviving spouse or domestic partner will be reduced after your death.
  2. Pay final expenses
    Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.
  3. Create an inheritance for your heirs
    Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries.
  4. Pay federal “death” taxes and state “death” taxes
    Life insurance benefits can pay estate taxes so that your heirs will not have to liquidate other assets or take a smaller inheritance. Changes in the federal “death” tax rules between now and January 1, 2011 will likely lessen the impact of this tax on some people, but some states are offsetting those federal decreases with increases in their state-level “death” taxes.
  5. Make significant charitable contributions
    By making a charity the beneficiary of your life insurance, you can make a much larger contribution than if you donated the cash equivalent of the policy’s premiums.
  6. Create a source of savings
    Some types of life insurance create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner’s request. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind of “forced” savings plan. Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death claim).

How Does Insurance Work?

Video

Its about economy of scale. When you sign up for healthcare coverage, you join a group of other people to combine your healthcare purchasing power. Your insurer covers the whole group, rather than individuals, so everyone shares the cost of staying healthy.-Stay Smart Stay Healthy

Stay Smart Stay Healthy was created by Edward Batchelor at Humana Inc. as a new-media venture designed to deliver guidance, and to support awareness and understanding of the healthcare industry.

His goal was simple: to educate consumers on the healthcare system by removing the usual complexities and replacing them with an informative and engaging series of videos.

Global Multichannel Consumer Behaviour (Research/Purchase) Analysis

As my focus has evolved to getting companies to imagine and execute incredible digital marketing initiatives, I’ve discovered that my passion for the medium, my experience in creating innovative solutions, and — yes — my charm are sometimes insufficient to convince some CxOs to take their digital marketing opportunities seriously.

Rather I’ve had to fall back on my trusty steed: data. 🙂

One common scenario is this: Company PJ spends $250 million on traditional advertising. They know the web is exciting. They have a Facebook page. They have a smattering of microsites that their Agency put together once in a campaign rush a number of years ago. But they are just scratching the surface of what’s possible.

My goal is to get them excited about creating an amazing digital acquisition strategy that delivers noteworthy experiences through their owned digital platforms, and which ultimately delivers bigger profits (usually offline, but online as well).

The question they’ll ask: But how do we know our $250,000 investment in digital (ads plus sites/apps) will drive offline sales?

There are other scenarios, there are other questions. But the crux of it all is: Prove it.

Prove it that my customers use the web. Prove it that they talk about me on social sites. Prove it that my competitors are better than me. Prove it that you’re not just pushing me into an alligator-filled swamp.

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Read full article on http://www.kaushik.net/avinash/consumer-behavior-research-purchase-analysis/