FISCA is now trying a new website that is suitable for access by mobile phones, and also through the browser. You can access it at http://fisca.mviso.com. Try it with your mobile phone.
Thursday, September 29, 2011
New scam on motor insurance claim
A consumer approached me on this problem. He had a minor accident 8 months ago. He decided not to make any insurance claim and carried out his own repairs. He has now received a large claim from the other vehicle with a witness report that placed him in the wrong. The claim was inflated and the witness was probably ,making a false statement.
He submitted the third party claim to his insurance company - but the claim officer rejected the claim as he did not make a report at the time of the accident. He is now in a dilemma and does not know how to handle the third party claim.
His only recourse was to engage his own lawyer to fight the claim, but it would be costly. It was likely that the claim was fraudulent but it was quite sad that his insurance company was not assisting him on this matter.
He submitted the third party claim to his insurance company - but the claim officer rejected the claim as he did not make a report at the time of the accident. He is now in a dilemma and does not know how to handle the third party claim.
His only recourse was to engage his own lawyer to fight the claim, but it would be costly. It was likely that the claim was fraudulent but it was quite sad that his insurance company was not assisting him on this matter.
New scam on time sharing
A consumer shared this story with me. He bought a time sharing unit several years ago. The marketing company disappeared after collecting $7,000 from him. He wrote off the loss.
Recently, he was contacted by a service company who claimed to act for the developer. The told him that he had outstanding service payments on his time sharing unit and that the unit had some residual value. He was convinced to pay the fee to this service company to terminate the contract and claim back what was due to him.
After paying the service fee, he did some research and found that the service company was not connected with the developer. He had been scammed again.
Consumers should be careful and not attend presentations or meet people that they do not know. There are too many scams happening around. Some Singaporeans are easy targets due to their naivety.
Recently, he was contacted by a service company who claimed to act for the developer. The told him that he had outstanding service payments on his time sharing unit and that the unit had some residual value. He was convinced to pay the fee to this service company to terminate the contract and claim back what was due to him.
After paying the service fee, he did some research and found that the service company was not connected with the developer. He had been scammed again.
Consumers should be careful and not attend presentations or meet people that they do not know. There are too many scams happening around. Some Singaporeans are easy targets due to their naivety.
home contents insurance :bus insurance understanding
home contents insurance : bus insurance understanding
Bus insurance decisions are quite important to enjoying your motorhome affordably and confidently. Nobody wants to drive through dangerous mountainous areas in a $100,000 motorhome and run off the shoulder only to find out your insurance policy won't cover you because you "live full time" in it, or you were too far from an established highway, or your policy isn't valid in Mexico, etc. Gather as much information on your proposed bus insurance policy as you can before buying.
If you have a new bus you may be eligible for Total Loss Replacement, which provides that if your bus is destroyed within its first five model years, you will get a brand new bus - even if it costs more than you paid for the original unit! Sometimes this kind of policy is not offered on commercial coaches but often is available for those who live in the bus or use it less frequently like churches. This motorhome insurance coverage is a great way to protect your investment from the effects of depreciation
Replacement cost bus insurance coverage is the newest and most popular coverage. In the event of total loss, you will receive a new unit of the same model, class, body type, size and equipment. Of course this is also the most expensive type of insurance.
Bus purchase price coverage - If you suffer a total loss, you will be reimbursed for the purchase price of the vehicle when you bought it.
Bus full timer insurance coverage is for those who live in their bus all the time, and do not have another residence, you need special coverage's including higher liability limits. These coverage's can be added to your policy to protect you. Most insurance companies do not understand full timers' needs and will not write this coverage for you. So make sure and discuss this upfront with your agent. Much like a homeowners policy, full time policies provide comprehensive personal liability bus insurance coverage that pays for bodily injury and property damage caused by an accident in which you are held liable. Auto policies don't provide full-timer coverage
For instance, an insurance agent can recommend measures for keeping a car safe through the use anti-theft devices, which helps a vehicle to maintain a lower auto insurance premium, just by being more difficult to steal or vandalize.
Bus Personal effects coverage is good for people who prefer to purchase the additional addendum that covers personal valuables like clothing, cameras, dishes, sporting goods, jewelry, televisions, etc.) These can be typically covered against losses from most hazards.
Bus Vacation campsite liability coverage protects you up to your policy limits for your legal liability resulting from lawsuits if you are negligible in the use of your bus while using your unit as a residence.
Bus Emergency expense coverage protects your vacation or travel budget from the unexpected because it will pay for your hotel stays or your travel home when your bus is damaged or destroyed by a covered peril. See your policy for more details on bus insurance
Bus insurance decisions are quite important to enjoying your motorhome affordably and confidently. Nobody wants to drive through dangerous mountainous areas in a $100,000 motorhome and run off the shoulder only to find out your insurance policy won't cover you because you "live full time" in it, or you were too far from an established highway, or your policy isn't valid in Mexico, etc. Gather as much information on your proposed bus insurance policy as you can before buying.
If you have a new bus you may be eligible for Total Loss Replacement, which provides that if your bus is destroyed within its first five model years, you will get a brand new bus - even if it costs more than you paid for the original unit! Sometimes this kind of policy is not offered on commercial coaches but often is available for those who live in the bus or use it less frequently like churches. This motorhome insurance coverage is a great way to protect your investment from the effects of depreciation
| During model years 6 through the life of your policy, many companies will pay the original purchase price toward the cost of a new bus. Whatever policy you purchase make sure it covers attached accessories such as awnings, satellite dishes, and air conditioning units, which can be very expensive to replace piece by piece with labor rates involved. |
Replacement cost bus insurance coverage is the newest and most popular coverage. In the event of total loss, you will receive a new unit of the same model, class, body type, size and equipment. Of course this is also the most expensive type of insurance.
Bus purchase price coverage - If you suffer a total loss, you will be reimbursed for the purchase price of the vehicle when you bought it.
Bus full timer insurance coverage is for those who live in their bus all the time, and do not have another residence, you need special coverage's including higher liability limits. These coverage's can be added to your policy to protect you. Most insurance companies do not understand full timers' needs and will not write this coverage for you. So make sure and discuss this upfront with your agent. Much like a homeowners policy, full time policies provide comprehensive personal liability bus insurance coverage that pays for bodily injury and property damage caused by an accident in which you are held liable. Auto policies don't provide full-timer coverage
| Companies that own fleets of registered vehicles must work closely with an Insurance Agent to control and reduce the expense of their monthly insurance rates. An agent can help drivers and companies alike to save money by making their insurance coverage more comprehensive for their driving purposes. |
For instance, an insurance agent can recommend measures for keeping a car safe through the use anti-theft devices, which helps a vehicle to maintain a lower auto insurance premium, just by being more difficult to steal or vandalize.
Bus Personal effects coverage is good for people who prefer to purchase the additional addendum that covers personal valuables like clothing, cameras, dishes, sporting goods, jewelry, televisions, etc.) These can be typically covered against losses from most hazards.
Bus Vacation campsite liability coverage protects you up to your policy limits for your legal liability resulting from lawsuits if you are negligible in the use of your bus while using your unit as a residence.
Bus Emergency expense coverage protects your vacation or travel budget from the unexpected because it will pay for your hotel stays or your travel home when your bus is damaged or destroyed by a covered peril. See your policy for more details on bus insurance
September 29 Famous Birthdays: Ian McShane, Zachary Levi, Julia Gillard (PHOTOS)
In a world with nearly 7 billion people, chances are someone famous is celebrating their birthday today.
And indeed: Ian McShane, Zachary Levi, and more will all be blowing out candles today. Will it be your favorite TV personality? Maybe an important figure from history?
Help us celebrate the birth of some of the world's coolest people by taking a scroll through some of the most noteworthy birthdays of September 29 -- enjoy!
Click here for yesterday's famous birthdays.
The Pirates of the Caribbean star was born on September 29, 1942 in Blackburn, England.
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Ian McShane
The Pirates of the Caribbean star was born on September 29, 1942 in Blackburn, England.
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Get Cash For Your Old Car
Buying a new car is a long and tiring process. Once we finally find the vehicle that we've spent months stressing over, our old cars instantly become a thing of the past. No more breakdowns and having to deal with the horrible conditions of your ride. There might be tons of money that you're sitting on. Don't listen to slick offers of your car dealer. You can get cash for your old vehicle.
Don't let your old car sit in your driveway collecting rust. Save up now for your car loan. There are companies that will give you large payouts to simply collect your junk. Don't let a dealer give you little to nothing for your trade in. There are still options for you if you were denied a trade in. Let a salvage yard buy the treasure piece that's rusting away on your property.
We Buy Any Car
What other options do you have? You probably couldn't even give your beat up car away. The shiny color and smooth interior of your new vehicle will quickly wash away any old attachments that you might have with your old car. There are a number of different online companies that will help you sell your junk car. They even offer free quotes to help you make the right decision.
These options provide easy ways to make quick money. What do you have to lose? Only a car that you will never drive again in life. Look online now and find out about ways that you can sell your junk car.
Get Cash For Your Old Car
Should I split my retirement investment options? | Roth Ira
? ?
I am in my mid 20s and have both a 401K as well as a Roth IRA and small amounts of stock. Am I spreading myself too thin? Should I focus all my efforts on one or the other in order to maximize my earning power for retirement? I am aware that I have time to be aggressive, but I lost quite a bit in the market after the tech crash and have yet to realiz my original investment from the stocks. Thanks.
Source: http://rothira.soluti-ons.com/roth-ira/should-i-split-my-retirement-investment-options/
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