Internet is fast becoming an integral part of people’s lives. Almost everything today is available on the internet. People purchase almost everything they need to run their daily life from the internet. Since so many things that are available online for free prove to be useless, people have an impression that everything available free online is rubbish. But unlike other stuff, insurance quotes available online for free are not at all worthless. Online insurance quotes are some genuine stuff and should not be taken as worthless. Online insurance quotes can guide you to make some good investments which may help you in the later stage of your lives when you need money the most.
Campbell Solberg Associates, a leading American insurance company along with other insurance companies invite people to insure and secure their future with them. If you go to an insurance consultant he will charge you money for providing valuable forecast. But insurance companies provide free online insurance quotes which save you valuable money but at the same time help you to make some intelligent investments for a secure future.
Free online insurance quotes help you make a comparison between various insurance schemes and policies offered by different companies in a very short period of time and then choose the one which suits your needs the best. If you have to collect these quotes from different companies and make a comparative chart on your own in order to compare it, then it would have been a very complicated and time consuming thing to do.
This whole exercise has been made easy by Campbellsolberg who provide its customers an online comparison of various quotes. Apart from providing the online insurance quotes, Campbellsolberg also offers most competitive prices for any insurance policy you want. It makes your life a lot easier as you get home insurance quotes online and also have an access to other insurance quotes like auto insurance quotes and disability insurance quotes from the convenience of you home.
Spend your money wisely and make a choice that suits you and your family. For better information on online insurance quotes logon to: http://www.campbellsolberg.com
Thursday, February 18, 2010
Affordable housing - 3 years of average income
According to this article, an affordable housing represents 3 years of average earnings. I have recommended that the price should be not more than 4 to 5 years, so I am already stretching on the high side. Many people are buying properties representing 7 years or more of their earnings. I consider it to be far too high.
Products at Internet Shop
You can now view the pictures of the books and other products at Internet Shop. Click on "Details" for the specific product. There is a discount of 15% for purchases up to 28 February 2010 under the Promotion Code - BLOG.
To order: http://projects.easyapps.sg/iShop/public/common/Order.aspx
The Shape Quiz is now available in a book ($6) or a mini-pak ($2). They contain 4 plastic pieces to form 100 shapes. It is fascinating and interesting. Many people enjoy this puzzle. Some customers bought a few mini-paks to give to their children - one for each child. After 15% discount, the price is $5.10 and $1.70 only
To order: http://projects.easyapps.sg/iShop/public/common/Order.aspx
The Shape Quiz is now available in a book ($6) or a mini-pak ($2). They contain 4 plastic pieces to form 100 shapes. It is fascinating and interesting. Many people enjoy this puzzle. Some customers bought a few mini-paks to give to their children - one for each child. After 15% discount, the price is $5.10 and $1.70 only
Get compensation from distributor
Dear Mr Tan,
I received a check for my Mindbond series 1, representing 21% of my investment. Fidrec has scheduled my hearing in March. The Fidrec officer told me they will continue to adjudicate my case, but I feel the hearing is meaningless. Could you kindly give me your advice please?
Reading you blog became my daily routine but recently I found limited information on the minibond issue. I think many victims have decided to give up like myself. I really appreciate what you have done for us victims.
REPLY
You should continue to attend the FIDREC adjudication and fight hard to get some compensation from the distributor for your loss of 79%. This should be on top of the refund that you have received.
I received a check for my Mindbond series 1, representing 21% of my investment. Fidrec has scheduled my hearing in March. The Fidrec officer told me they will continue to adjudicate my case, but I feel the hearing is meaningless. Could you kindly give me your advice please?
Reading you blog became my daily routine but recently I found limited information on the minibond issue. I think many victims have decided to give up like myself. I really appreciate what you have done for us victims.
REPLY
You should continue to attend the FIDREC adjudication and fight hard to get some compensation from the distributor for your loss of 79%. This should be on top of the refund that you have received.
Biggest speculation of a lifetime
The biggest speculation that most people can make in their lifetime is in property. This is a big transaction that takes 5 to 10 years of their earnings. If they get it right, they are rich. If they get it wrong, they have to pay for this mistake over many years.
Many took this decision out of fear that the price of a home will become more expensive in the future. Some speculate out of greed, to make money while the bubble continues. In most cases, the losers are the consumers who are ignorant of market trends and economic forces, have to depend on gossips, and can be exploited by the property agents and developers.
The property market in many countries have gone through cycles of boom and bust. They are the results of greed, fear and exploitation. This is not a fair market. It is an exploitative market. Many do not realize that it is a big speculative gamble - because it is clouded by the false belief that they are "making an investment".
A good government can shelter its citizens from the exploitation of the market by regulating the market. It can manage the economic forces to ensure that property prices bear a fair multiple to the average wages of a country. Each working person should be required to set aside a certain percentage (say 25%) of their earnings for a decent home. They should not be required to be exploited and pay more (say 35%) for this cost of living.
If a government has control over most of the land, it can set a benchmark for the market to follow. If the government allows the speculative forces to set the market price and then use it to justify its own pricing, it will contribute to instability in the property market - which is harmful for the economy.
It does not matter whether the people are buying or renting a property - it is more important that the cost is fair. I am referring to a decent housing at a fair rental or purchase price. If any person is willing to spend more for a larger house, it is their personal decision.
Many people have clamored for "affordable housing". It is an important role of a good government, especially one that has control over the cost of land.
Tan Kin Lian
Many took this decision out of fear that the price of a home will become more expensive in the future. Some speculate out of greed, to make money while the bubble continues. In most cases, the losers are the consumers who are ignorant of market trends and economic forces, have to depend on gossips, and can be exploited by the property agents and developers.
The property market in many countries have gone through cycles of boom and bust. They are the results of greed, fear and exploitation. This is not a fair market. It is an exploitative market. Many do not realize that it is a big speculative gamble - because it is clouded by the false belief that they are "making an investment".
A good government can shelter its citizens from the exploitation of the market by regulating the market. It can manage the economic forces to ensure that property prices bear a fair multiple to the average wages of a country. Each working person should be required to set aside a certain percentage (say 25%) of their earnings for a decent home. They should not be required to be exploited and pay more (say 35%) for this cost of living.
If a government has control over most of the land, it can set a benchmark for the market to follow. If the government allows the speculative forces to set the market price and then use it to justify its own pricing, it will contribute to instability in the property market - which is harmful for the economy.
It does not matter whether the people are buying or renting a property - it is more important that the cost is fair. I am referring to a decent housing at a fair rental or purchase price. If any person is willing to spend more for a larger house, it is their personal decision.
Many people have clamored for "affordable housing". It is an important role of a good government, especially one that has control over the cost of land.
Tan Kin Lian
Insurance brokerage and conflict of interest
The brokerage fees paid to brokers for selling insurance has led to conflict of interest that is harmful to consumers. Read this report.
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