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Trump Helping Insurance Companies Cap Your Healthcare Coverage
This is going to cost you, America. Cenk Uygur and John Iadarola, hosts of The Young Turks, discuss. Tell us what you think in the comment section below. http://www.tytnetwork.com/join Read more here: https://www.vox.com/policy-and-politics/2018/2/20/17031640/short-term-insurance-trump-obamacare "The Trump administration is opening up a new avenue for Americans to buy health insurance that does not comply with the Affordable Care Act’s regulations, the latest step in Donald Trump’s administrative crusade against the health care law. The US Department of Health and Human Services’ new proposed regulations would allow Americans to buy short-term insurance for up to 364 days. That coverage is allowed to skirt several of the health care law’s core provisions: Plans can deny people insurance based on their medical history, charge them higher premiums because of their preexisting medical conditions, and craft skimpy benefits packages that will appeal mostly to young and healthy people. By broadening the definition of short-term insurance, the Trump administration is opening more loopholes for more people to buy insurance outside the health care law’s marketplaces. In the eyes of the administration, this is fulfilling a campaign promise that President Trump made to give people relief from Obamacare. “It’s one step in providing Americans with health insurance that is both more affordable and more suited to individual and family circumstances,” HHS Secretary Alex Azar told reporters on Tuesday.”* Hosts: Cenk Uygur, John Iadarola Cast: Cenk Uygur, John Iadarola *** The Largest Online News Show in the World. Hosted by Cenk Uygur and Ana Kasparian. LIVE STREAMING weekdays 6-8pm ET. https://goo.gl/tJpj1m Subscribe to The Young Turks on YouTube: https://goo.gl/a3JY9i Like The Young Turks on Facebook: https://goo.gl/txrhrh Follow The Young Turks on Twitter: https://goo.gl/w6ahdV Buy TYT Merch: https://goo.gl/KVysaM Download audio and video of the full two hour show on-demand + the members-only post game show by becoming a member at https://goo.gl/v8E64M. Your membership supports the day to day operations and is vital for our continued success and growth. Young Turk (n), 1. Young progressive or insurgent member of an institution, movement, or political party. 2. A young person who rebels against authority or societal expectations.(American Heritage Dictionary)
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CAP Insurance Services and Life Benefits Unique
CAP Insurance Services Introduction to our services
Просмотров: 64 Craig Prince
FKE Faults Deduction Of NHIF Fees From Gross Income
The Federation Of Kenya Employers –FKE, has raised concerns with the National Hospital Insurance Fund (NHIF) over the a directive on deductions it finds to be contentious. The employers federation wants its members to make the new mandatory state health insurance contributions pegged on employees basic pay and not gross pay. Saying though it supports the new rates, it finds the deductions module as constituted punitive to both the employers and employees. Starting end of this month, employees are expected to start remitting higher health cover premiums to the National Hospital Insurance Fund. Those earning a gross monthly salary of 5,999 and below are supposed to pay 150 shillings monthly while those earning 100,000 shillings and above will part with 1,700 shillings. The new cover will be extended to x-ray, maternity, consultation, drugs, hospital accommodation and management of chronic diseases such as cancer and diabetes.
Просмотров: 324 K24TV
Proposals, Illustrations & Income Scenarios Indexed Universal Life
Sheryl Moore nationally recognized indexed insurance product expert, educator and workshop trainer. Sheryl is also the developer and distributor of Life Specs and Annuity Specs, the nation's leading due diligence indexed insurance software for policy provisions and sales data. Realistic expectations for indexed crediting on IUL should be set when the policy is presented. That means somewhere between 0% and the cap/participation rate/spread. Promising double-digit returns on Indexed Universal Life is reckless. An agent who makes such promises is asking for replacement of his book of business, due to product misunderstanding. A client that expects double-digit returns needs to readjust their expectations, and revisit their agent. The Indexed Life market would be full of dissatisfied clients if agents presented the products in this manner, as the results will not come to fruition. Better to under-promise and over-deliver when it comes to Indexed products. The National Association of Insurance Commissioners (NAIC) requires that all permanent cash value life insurance products have a signed life insurance illustration at the time of policy delivery. An illustration is a projection of (hypothetical) future policy values, based on certain assumptions. These illustrations must project the policy values and death benefits assuming guaranteed charges and guaranteed minimum interest, as well as assuming current charges and current interest. With a traditional Universal Life plan these illustrations are projected at the current interest rate of X%, with X= the current credited interest rate of the UL plan. With Indexed Life, illustrations are more complex, as the insurance carrier has no way to project how the index may/may not perform. The carrier knows what the current participation rates, caps, and spreads of the Indexed Life product are. These rates are used, along with a study of the historical rates of the external index that the crediting method is based upon (such as the S&P 500®), to determine a hypothetical "Illustrated Rate." Policy Loans are categorized as preferred loans, variable loans, participating loans, spread loans and some are characterized as arbitraged loans. Ultimately, the method will assist the insurance carrier in determining a hypothetical Illustrated Rate, which the carrier believes to be a realistic expectation of future performance based on current Indexed Life participation rates, caps, and spreads. This Illustrated Rate is used to project the non-guaranteed policy values, and may range from anywhere from around 4.00% to upwards of 10.00%. The important thing to understand is that this rate does not represent the actual rate that will be credited to the policy. With a Fixed UL, a policyholder can have a reasonable expectation that the rate illustrated at the time of sale is somewhere close to what they may receive in future years (although it still needs monitoring annually, as every interest-sensitive plan does). With Indexed UL, it is unknown what will be credited to the policy in future years. Some years, the client will receive zero interest credits. Some years, they may receive double-digits returns. More often than not, they will receive something in between the two. An Illustrated Rate is the best solution for Indexed Life insurance carriers to be able to project future policy values in a policy illustration, which is required at the point-of-sale.
Просмотров: 8174 BrokersAlliance
How Index Crediting Works
Yes, zero can be your hero. Explore how interest crediting works on an indexed universal life insurance policy. Learn more - https://www.nationallife.com/Have-an-Agent-Contact-You?utm_source=credit-indexing-youtube&utm_medium=video&utm_campaign=lp
Просмотров: 8403 NationalLifeGroup
Three Mid-Cap Insurance Companies to Invest in Right Now
Insurance companies provide services that are essential in the economy: consumers and businesses require insurance services to reduce risk. In some cases, businesses cannot operate if they do not have insurance. Consumers cannot get a mortgage from a bank if they do not carry insurance on the home. Insurance companies are in the best position to satisfy this market demand. Let's take a look at which insurance companies TheStreet Quant Ratings says you should add to your portfolio, immediately. Number 3 is Primerica. With an 'A' rating, the company's strengths can be seen in its revenue growth and increase in net income. 2nd is, StanCorp. This rating is an 'A.' StanCorp thrives in its increase in net income and good revenue growth. Number 1 is Symetra. With an 'A+' rating the company flourishes in its solid stock price performance and good revenue growth. TheStreet Ratings are algorithmic stock picks based on 32 major data points. S&P 500 stocks rated 'buy' yielded a 16.5% return in 2014, beating the S&P 500 Total Return Index by more than 300 basis points. For the full reports on these stocks, you can visit TheStreet.com/QuantRatings. Subscribe to TheStreetTV on YouTube: http://t.st/TheStreetTV For more content from TheStreet visit: http://thestreet.com Check out all our videos: http://youtube.com/user/TheStreetTV Follow TheStreet on Twitter: http://twitter.com/thestreet Like TheStreet on Facebook: http://facebook.com/TheStreet Follow TheStreet on LinkedIn: http://linkedin.com/company/theStreet Follow TheStreet on Google+: http://plus.google.com/+TheStreet
Просмотров: 107 TheStreet: Investing Strategies
Boomerang Trick Shots | Dude Perfect
Time to take boomerangs to the next level! ► Click HERE to subscribe to Dude Perfect! http://bit.ly/SubDudePerfect ► Click HERE to watch our most recent videos! http://bit.ly/NewestDudePerfectVideos http://bit.ly/NewestDPVideos ►Click HERE to follow Logan on Instagram! Follow @logan.broadbent: https://www.instagram.com/logan.broadbent ► SHOP our NEW Merchandise! - http://bit.ly/DPStore ►Click HERE to join the exclusive Dude Perfect T-Shirt Club! http://bit.ly/DPTShirtClub Music: Army by Zayde Wolf ►Click HERE to download : http://smarturl.it/ZWGoldenAge Play our NEW iPhone game! ► PLAY Endless Ducker on iPhone -- http://smarturl.it/EndlessDucker ► PLAY Endless Ducker on Android -- http://smarturl.it/EndlessDucker ► VISIT our NEW STORE - http://bit.ly/DPStore ► JOIN our NEWSLETTER - http://bit.ly/DPNewsletterEndCard ► WATCH our STEREOTYPES - http://bit.ly/StereotypesPlaylist In between videos we hang out with you guys on Instagram, Snapchat, Twitter, and Facebook so pick your favorite one and hang with us there too! http://Instagram.com/DudePerfect http://bit.ly/DudePerfectSnapchat http://Twitter.com/DudePerfect http://Facebook.com/DudePerfect Do you have a GO BIG mindset? See for yourself in our book "Go Big." ►http://amzn.to/OYdZ2s A special thanks to those of you who play our iPhone Games and read our book. You guys are amazing and all the great things you tell us about the game and the book make those projects so worthwhile for us! Dude Perfect GAME - http://smarturl.it/DPGameiPhone Dude Perfect BOOK - "Go Big" - http://amzn.to/OYdZ2s Click here if you want to learn more about Dude Perfect: http://www.dudeperfect.com/blog-2/ Bonus points if you're still reading this! Comment As always...Go Big and God Bless! - Your friends at Dude Perfect Business or Media, please contact us at: Dude@DudePerfect.com ------------ 5 Best Friends and a Panda. If you like Sports + Comedy, come join the Dude Perfect team! Best known for trick shots, stereotypes, battles, bottle flips, ping pong shots and all around competitive fun, Dude Perfect prides ourselves in making the absolute best family-friendly entertainment possible! Welcome to the crew! Pound it. Noggin. - Dude Perfect
Просмотров: 46142318 Dude Perfect
01 Calculating Income Tax
In this video we join Michael and explain and show how his tax payable is calculated using salary tables and bracket formula tables. The result on his taxable income is also explained when his salary is increased.
Просмотров: 12875 Mindset Learn
Fixed Annuities 800-286-1812
http://www.hybridannuitymyth.com 800-286-1812 Jeff McLeod National Insurance Producer License #558629 Arkansas Insurance Pruducer License #558629 McLeod Agency, Inc. Arkansas Insurance License #1651277 Wharton School Of Business Fixed Indexed Annuity Research. "There is no asset category that outperformed them. We were extremely surprised, really just amazed," says David Babbel, professor emeritus of insurance and risk management, who conducted a study of equity-index annuity returns beginning in 1995. https://www.youtube.com/watch?v=IS8VVDmDPpo https://www.youtube.com/watch?v=qij7braV54o Source- Forbes An indexed annuity is a fixed annuity, either immediate or deferred, that earns interest or provides benefits that are linked to an external equity reference or an equity index. The value of the index might be tied to a stock or other equity index. One of the most commonly used indices is the S&P 500, which is an equity index.http://annuitydefinition.com The value of any index varies from day to day and is not predictable. http://indexannuityrate.com http://www.hybridannuitymyth.com/About-Jeff-McLeod.html
Просмотров: 1050 Jeff McLeod
Which bank gives best FD rates? - 9.5% ब्याज | Best investment option
Various banks give different interest rates on FDs. Investor has to look for better option and bank to provide most efficient rate of interest on FDs. RBI’s 5 new guidelines on pension account: https://youtu.be/miAcBzjXSw4 8% Interest on late pension and arrears: https://youtu.be/1Z2zmblIFWQ
Просмотров: 573 Veterans News
top 5 mutual funds in India 2018 | Top 5 Best SIP Mutual Funds in India in 2018 |mutual funds online
Hello friends in this video we will see Top Mutual funds in 2018. Equity Based mutual funds in large cap companies. SIP investment in 2018. ---------------------------------------------------------------------------------------------------- Share, Support, Subscribe!!! Subscribe: https://goo.gl/yNw13g Youtube: http://www.youtube.com/c/Finbaba Twitter: http://www.twitter.com/finbabaIndia Facebook: http://www.facebook.com/finbabaIndia Instagram: http://instagram.com/finbabaIndia ----------------------------------------------------------------------------------------------------- Subscribe Our Channel click Here for Latest Video https://goo.gl/yNw13g ----------------------------------------------------------------------------------------------------- Related Videos : SIP investment : https://youtu.be/Zh7dmWzqXWY Save Tax under section 80C : https://youtu.be/y5Sat6TcJHs Mutual funds : https://youtu.be/-gP4HfMCeBQ Gold ETFS :https://youtu.be/EPjiho6m1XI Arbitrage fund : https://youtu.be/3oyryG22H4I How to find stop loss : https://youtu.be/jZugeeEVSP0 FCNR account : https://youtu.be/G4GFoQFy_RI Stock Market Tax : https://youtu.be/hcYDeXEW6eY Stock Split : https://youtu.be/NQpW2oBemyk How to Buy Share Onlie https://youtu.be/g8Eb1LVNXM0 What is Cnadle stick https://youtu.be/-Sjhv7h3IT8 ------------------------------------------------------------------------------------------------------- Open Demat account :https://zerodha.com/open-account?c=ZMPASV ------------------------------------------------------------------------------------------------------- About: FinBaba is a you-tube channel, where you can get Information about Banking, finance, Stock market basic and Advance, Forex, Mutual funds and many more. Thanks For Watching this Video. !
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Indexed Annuities Pros And Cons 800-286-1812
http://www.hybridannuitymyth.com/ 800-286-1812 Jeff McLeod National Insurance Producer License #558629 Arkansas Insurance Pruducer License #558629 McLeod Agency, Inc. Arkansas Insurance License #1651277 Pros And Cons Of Indexed Annuities and How To Find Them? What Is An Indexed Annuity? HOW DO I KNOW WHICH EQUITY-INDEXED ANNUITY IS BEST FOR ME? http://www.indexannuityrate.com/Annual_Point_To_Point.html As with any other insurance product, you must carefully consider your own personal situation and how you feed about the choices available. No single annuity design may have all the features you want. It is important to understand the features and trade-offs available so you can chose the annuity that is right for you. Keep in mind that it may be misleading to compare one annuity to another unless you compare all the other features of each annuity. You must decide for yourself what combination of features makes the most sense for you. Also remember that it is not possible to predict the future behavior of an index. http://www.indexannuityrate.com/ QUESTIONS YOU SHOULD ASK YOUR AGENT OR THE COMPANY You should ask the following questions about equity-indexed annuities in addition to the questions in the Buyer's Guide to Fixed Deferred Annuities. http://www.hybridannuitymyth.com/ How long is the term? What is the guaranteed minimum interest rate? What is the participation rate? For how long is the participation rate guaranteed? Is there a minimum participation rate? Does my contract have an interest rate cap? What is it? Does my contract have an interest rate floor? What is it? Is interest rate averaging used? How does it work? Is interest compounded during a term? Is there a margin, spread, or administrative fee? Is that in addition to or instead of a participation rate? What indexing method is used in my contract? What are the surrender charges or penalties if I want to end my contract early and take out all of my money? Can I get a partial withdrawal without paying charges or losing interest? Does my contract have vesting? If so, what is the rate of vesting? Final Points to Consider Remember to read your annuity contact carefully when you receive it. Ask you agent or insurance company to explain anything you don't understand. If you have a specific complaint or can't get answers you need from the agent or company, contact you state insurance department. http://www.hybridannuitymyth.com/About-Jeff-McLeod.html https://www.youtube.com/watch?v=qij7braV54o
Просмотров: 1533 Jeff McLeod
Understanding Donald Trump and Hillary Clinton's Tax Plans
In which John Green compares the tax proposals of Hillary Clinton and Donald Trump, and looks at what the tax system and budget would look like for different families. There's also a brief introduction to federal income tax here in the United States, and some discussion of the candidates' budget proposals. SOURCES: The Tax Policy Center's excellent and detailed analysis of Democrat Hillary Clinton's tax plan: http://www.taxpolicycenter.org/publications/updated-analysis-hillary-clintons-tax-proposals The Tax Policy Center's analysis of Republican Donald Trump's tax plan: http://www.taxpolicycenter.org/publications/analysis-donald-trumps-revised-tax-plan Much of the information in this video came from the Tax Foundation's analysis of Clinton's tax proposals: http://taxfoundation.org/sites/default/files/docs/TaxFoundation-FF496.pdf And of Trump's: http://taxfoundation.org/article/details-and-analysis-donald-trump-tax-reform-plan-september-2016 Lily Batchelder's paper explaining why Trump's tax plan would result in tax increases for 7.8 million households: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2842802 and a politifact story on the same topic: http://www.politifact.com/truth-o-meter/statements/2016/sep/27/hillary-clinton/hillary-clinton-correctly-cites-outside-analyses-t/ Donald Trump's tax plan would boost the debt much more than Clinton's, and would put U.S. debt held by the public over 100% of GDP in the next decade according to the Committee for a Responsible Federal Budget: http://crfb.org/papers/promises-and-price-tags-preliminary-update The CRFB explains Trump's budget cut proposals here: http://crfb.org/blogs/explaining-donald-trumps-penny-plan-non-defense-spending And his plan for increased defense spending here: http://crfb.org/blogs/how-much-would-trumps-new-defense-plan-cost Chart of our publicly held debt to GDP ratio came from here: https://en.wikipedia.org/wiki/National_debt_of_the_United_States The Tax Policy Center has an excellent chart explaining effective tax rates by income size that you'll enjoy if you're into this kind of stuff: http://www.taxpolicycenter.org/statistics/effective-tax-rate-size-income HUGE THANKS to Mark Olsen for graphics, Rosianna Halse Rojas for graphics and fact-checking, and Amanda McCloughlin and Adriene Hill for fact-checking. Any errors are entirely my own. ---- Subscribe to our newsletter! http://nerdfighteria.com/newsletter/ And join the community at http://nerdfighteria.com http://effyeahnerdfighters.com Help transcribe videos - http://nerdfighteria.info John's twitter - http://twitter.com/johngreen John's tumblr - http://fishingboatproceeds.tumblr.com Hank's twitter - http://twitter.com/hankgreen Hank's tumblr - http://edwardspoonhands.tumblr.com
Просмотров: 974969 vlogbrothers
May: UK national insurance rise vote in autumn
(9 Mar 2017) UK Prime Minister Theresa May said the Chancellor would listen to concerns raised by ruling Conservative lawmakers about the budget's controversial National Insurance rise, but defended the change as "fair". As May and Chancellor of the Exchequer Philip Hammond faced a backlash over the plans, the prime minister said they would not be voted on by lawmakers until the autumn, after a paper setting out the full effects of the changes for self-employed workers was published. A number of Conservatives have voiced concerns about the two billion pound (2.43 billion US dollars) hit on the self-employed announced by Hammond in his first budget on Wednesday. At a news conference in Brussels, May acknowledged the budget had meant "difficult decisions" but insisted it was vital to close the gap between the amount of tax paid by the self-employed and those in "traditional" employment. You can license this story through AP Archive: http://www.aparchive.com/metadata/youtube/eef75c91829057b45f01677e3a0862a2 Find out more about AP Archive: http://www.aparchive.com/HowWeWork
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IR35 implications for GP locum doctors that use a limited company
IR35 implications for GP locum doctors that use a limited company Are you a GP locum doctor? Do you use a limited company to be tax efficient? HMRC a long time ago brought in new tax legislation called IR35 to prevent IT contractors invoicing the NHS for their work even though they were deemed to be employees. In fact, the NHS made a lot of IT personnel redundant and restated their position a day later as a contractor. The NHS did this to save employer’s national insurance and to avoid employee / employer relationships. HMRC have now targeted GP locum doctors that carry out work for just one or two GPs. This means that are forcing GP’s to change the status of the locum from being self-employed to an employee. This means the locum GP will start to pay tax similarly to an employee under PAYE and will also pay employers national insurance. In this webinar we will discuss the background to IR35 and how it may affect GP locum doctors. There are many ways that you can mitigate the impact of IR35, which we discuss in this webinar
Просмотров: 94 Optimise Accountants
Tax Free Income from Cash Value Life Insurance– Right on the Money – Part 3 of 5
Sub Headline Cash Value Life Insurance Has 4 Crediting Methods Synopsis Depending upon your risk tolerance and the state of your health, you may want to consider TAMRA compliant cash value life insurance designed for accumulation and not necessarily as a death benefit. Watch the interview with retirement specialist Curt Chojnowski. Content Participating Whole Life Insurance can be optimized to generate more than 5 percent with its base policy and no other riders. But a minimized base policy with a “paid-up additions rider” for excess contributions can generate 5.5 percent. Keep in mind the best in this category could be returning dividends (a combination of portfolio returns and unused premiums) north of those numbers. Dividends are not guaranteed, but the top par whole contracts have guaranteed cash values backed by company reserves. The draw back is these contracts are not as flexible as their universal life counterparts, making them a bit restrictive. But if you like the returns and guarantees that go with it, participating whole life could be you. Current Interest Rate Universal Life Insurance is flexible, but with the protracted low-interest-rate environment, it has fallen out of favor. At its conception it was crediting double-digit returns. Today, the guarantees have been lowered and the current crediting interest rates are low when compared to participating whole life. But if rising interest rates returned again, it could once again become a popular choice for conservative savers. But the big news here is many Americans have these policies with 4-percent guaranteed interest rates. You should order an in-force ledger to determine if over funding these contracts makes sense for you. Indexed Universal Life provides limited access to domestic and foreign indices; i.e., no dividends and may have rates of return caps or participation rates. But the trade off is that the crediting account will never credit a negative return, so zero is your worst scenario, with downside market protection. On the other side of the balance sheet, you have policy expenses like most financial products. So you could have a zero crediting year minus your policy expenses and experience an actual loss. That’s full disclosure. Variable Universal Life provides access to equity and bond subaccounts that charge a management fee and traditional life insurance policy expense loads. The extra fees have to be assessed against the tax savings to determine if the arbitrage between them has economic value. For high-tax-bracket investors, the tax savings overcome the extra expense. But keep in mind outside these subaccounts you’re subject to market volatility, so you can lose money. National syndicated financial columnist Steve Savant interviews Curt Chojnowski on the basics of retirement, accelerated benefits and other strategies available to seniors. Right on the Money is a weekly talk interview talk show for consumers. The show segments are distributed nationally to 280 media outlets as daily video press releases. (www.rightonthemoneyshow.com) https://youtu.be/2sPTLs-l2yU
Просмотров: 1410 Right On The Money Show
What Is Ayushman Bharat Scheme? | ABP News
What is Ayushman Bharat scheme • The ambitious scheme, which was renamed the Pradhan Mantri Jan Arogya Abhiyan (PMJAY), aims to provide a coverage of Rs five lakh per family annually, benefiting more than 10 crore poor families. • Eligible people can avail the benefits in the government and listed private hospitals. • The Health Ministry has included 1,354 packages in the scheme under which treatment for coronary bypass, knee replacements, and stenting, among others, would be provided at 15-20 per cent cheaper rates than the Central Government Health Scheme (CGHS). • Over 8,735 hospitals, both public and private, have been empanelled for the scheme. • Billed as the world's largest government healthcare programme, it will be funded with 60 per cent contribution coming from the central government and the remaining from the states. Ayushman Bharat eligibility • The scheme will target poor, deprived rural families and identified the occupational category of urban workers' families, 8.03 crore in rural and 2.33 crore in urban areas, as per the latest Socio-Economic Caste Census (SECC) data. • It will cover around 50 crore people. • In addition, the Rashtriya Swasthya Bima Yojna (RSBY) beneficiaries in states where it is active are also included. • There is no cap on family size and age in the scheme, ensuring that nobody is left out. How are beneficiaries decided • The entitlement is being decided on the basis of deprivation criteria in the SECC database. • The beneficiaries are identified based on the deprivation categories (D1, D2, D3, D4, D5, and D7) identified under the SECC database for rural areas. For the urban areas, the 11 occupational criteria will determine entitlement. • Eleven occupational categories of workers include rag pickers, beggars, domestic workers, street vendors, cobblers/ hawkers/ other service providers working on streets, construction workers/ plumbers/ masons/ labours/ painters/ welders/ security guards/ coolies and other head-load workers and sanitation workers. How can one enroll to the scheme • One would only need to establish one's identity to avail benefits under the scheme and it could be through Aadhaar card or election ID card or ration card. • Having an Aadhaar card is not mandatory to avail the scheme's benefit. • In case of hospitalisation, members of the beneficiary families do not need to pay anything under the scheme, provided one goes to a government or an empanelled private hospital. How to avail benefits • Each empanelled hospital will have an 'Ayushman Mitra' to assist patients and will coordinate with beneficiaries and the hospital. • They will run a help desk, check documents to verify the eligibility and enrolment to the scheme. • Also, all the beneficiaries will be given letters having QR codes which will be scanned and a demographic authentication conducted for identification and to verify his or her eligibility to avail the benefits of the scheme. Helpline • The National Health Agency (NHA), the apex body implementing the AB-NHPM has launched a website and a helpline number to help prospective beneficiaries check if their name is there in the final list. • One can visit the website mera.pmjay.gov.in or call up the helpline (14555) to check their enrolment. • A beneficiary needs to key in his or her mobile number, which is verified through an OTP and then complete the KYC (know your customer) online without any need for human interface with other documents. • They can also call the helpline number to check their enrolment. Which states are not part of the scheme • 31 states and Union Territories who have signed MoUs will implement the programme over the next two to three months. • Remaining states and UTs which include Telangana, Odisha, Delhi, Kerala and Punjab have not signed, so the scheme will not be implemented in those states till they come on board. #Ayushmanbharatyojna #PMModi
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Body shops say insurance companies are skimping on repairs
CNN's Drew Griffin investigates claims that some insurance companies are skimping on repairing damaged vehicles to pad their profits.
Просмотров: 140220 CNN
Policy Loans (The Competition Desk Series)
http://wwwbrokersalliance.com (800) 290-7226 Presented by Brokers Alliance with guest co-host Brandon Roberts. Current Company Practice - Carriers base their pricing on crediting and cost of insurance based on their ongoing, up-to-date financial capacity targeted at a rate of return and influenced by competition. Contractual Guarantees -- Carriers price policy maximum charges to reflect the worst case scenarios under negative economic conditions, dictating the contractual imperatives in the policy. Fixed Interest Rates -- Carriers benchmark fixed interest rates as declared by both current company practice and maximum contractual guarantees. Variable Interest Rates & Caps are generally tied to an index like Moody's bond rate and can have rate caps or maximum charges. Participating loans include zero net cost, wash, spread direct recognition and participating loans. Withdrawals-to-basis are distributions of the original contribution to the contract sometimes referred to as principle or corpus. Phantom income tax can occur when a policy reaches its maturity or endowment date or under lapse conditions with existing internal policy loans. Taxable income after @100 can occur with some carriers that pay an ongoing distribution after cash values have been exhausted. However these distributions are generally taxable at ordinary income tax rates. This video was produced by http://bizmediastudios.com/ ____________________________ Follow Us On Social! ____________________________ TWITTER: https://twitter.com/BrokersAlliance FACEBOOK: https://www.facebook.com/pages/Brokers-Alliance-Inc/115179661832101 INSTAGRAM: https://instagram.com/brokersalliance/ WEBSITE: http://www.brokersalliance.com/ GOOGLE+: https://www.google.com/+BrokersAlliance LINKEDIN: https://www.linkedin.com/company/brokers-alliance-inc
Просмотров: 397 BrokersAlliance
Indexed Annuities | What are they? | Lindsey's Four Key's to Investing in Indexed Annuities
Article by, Brent Virkus of Find the Capital, http://findthecapital.com Indexed Annuities have become very popular as of late. Why is this? Well to help Find the Capital's follows better understand this type of investment, Lisa Virkus Founder and CEO of Find the Capital conducted a short interview with industry leading Financial Advisor, Cleat Lindsey about Indexed Annuities and his Four Keys to Investing in them. In summary Indexed Annuities have become popular due the people still being leery about the stock market and the fact the banks simply are not paying interest of any significance. Basically an Indexed Annuity protects the investor from downside risk and allows them to "participate" in the potential upside of the stock market. Lindsey's Four Keys to Investing in Indexed Annuities are as follows: First...Understand the CAP Rate or the Floor The floor refers to the minimum guaranteed amount credited to the account. At the time of this writing (see Update date at the bottom of this page), this rate is almost always between 0% - 2%. The cap rate is the annual maximum percentage increase allowed. For example, if the chosen market index increases 35%, and the contract has a 10% cap, the increase will be limited to 10%. Some contracts do not have a cap rate (these tend to have a lower participation rate, such as 30% to 50% compared with 75% to 100% for a plan with a cap rate). The cap varies depending on the length of your term -- fixed-indexed annuities with longer commitment periods (surrender periods) tend to have a higher cap rate, whereas annuities with shorter surrenders periods tend to have a lower cap rate. NOTE: The cap may reset annually and is subject to change at each renewal. Second...Be aware of the Bailout Rate An Indexed Annuity bailout provision is a clause in the contract of your annuity that allows you to withdraw your money without any penalties based on predetermined conditions. Some annuity contracts include a medical bailout provision for nursing home expenses or if you become terminally ill. Once your annuity expires, on the maturity date you have the option to either renew or surrender the annuity. If you surrender at this time, you do not pay charges. Choosing to renew may reinstate all charges. Some annuities have a charge so that your beneficiaries will not receive the full amount. Should the current interest rate drop, there may not be a surrender charge; this is referred to as a bailout option. This interest rate drop bailout feature becomes a waiver of penalties. Third...Know your Surrender Charge The surrender charge on an Indexed Annuity is a charge levied against an investor for the early withdrawal of funds from an insurance or annuity contract, or for the cancellation of the agreement. Surrender fees act as an economic incentive for investors to maintain their contract, and they allow the insurance company to have reasonable expectations for the frequency of early withdrawals. Fourth...What is the Worst Case Scenerio If the stock market does not go up, what is the worst case return the Indexed Annuity is going to pay you? About Cleat Lindsey Cleat Lindsey is an industry leading Financial Consultant and Partner with Scripter and Associates. From Cleat... "I chose to be an "Independent" Financial Consultant (clearing through LPL Financial*) rather than joining one of the big Wire House firms. The primary reason was that I wanted my clients to have access to a wide variety of investment strategies, where I could specialize in providing "Alternative Investments" and "Asset Preservation Strategies", "Retirement Income Planning", to go along with traditional investments. Moreover, I did not want my clients to feel pressured into using proprietary investments, when there may be better alternatives." To learn more about Cleat Lindsey, visit http://cleatlindsey.com.
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New India launches 3-year insurance cover for two wheelers
New India Assurance, country's largest non-life insurer has launched a three-year policy package for two wheelers, a first of its kind product in the industry. Check out our website: http://www.zeenews.com Facebook: https://www.facebook.com/ZeeNews Twitter: https://twitter.com/ZeeNews Google Plus: https://plus.google.com/+Zeenews
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Making Affordability the centerpiece in the National Flood Insurance Program (NFIP)
After Sen. Landrieu raised concerns, the House added important affordability protections for homeowners, including an annual individual property rate cap that will prevent skyrocketing increases for homeowners and an affordability target that strives to keep flood insurance rates at under one percent of a property's total coverage. Read a complete list of affordability and other provisions added at Sen. Landrieu's urging below.
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Indirect Cost Rates: What You Need to Know
Learn about the ins and outs of indirect cost rates from specialist Susan White.
Просмотров: 2339 ANA Eastern Region T/TA Center
Consumers will face the costs of increased auto tariffs: David Sampson
CEO of Property Casualty Insurers Association David Sampson says that there will be increased pressure on auto insurance rates due to tariffs.
Просмотров: 2822 Fox Business
The Big Story: Edge Of The Cliff | The Big Story | Real Vision™
Start your 14-day free trial on Real Vision. Learn how you can become a great investor: http://rvtv.io/2AxlxeA With sky-high equity valuations, economic uncertainty, plus concerns over interest rates, central bank reactions and debt, the risks are rising. With a stellar cast, featuring some of the greatest investors on the planet, The Big Story - Edge of The Cliff, examines the potential for a major market correction and what that means for investors, in a world of complacency and compressed volatility. Filmed in September 2017. Watch more Real Vision™ videos: http://po.st/RealVisionVideos Subscribe to Real Vision™ on YouTube: http://po.st/RealVisionSubscribe About Real Vision™: Real Vision™ is the destination for the world’s most successful investors to share their thoughts about what’s happening in today's markets. Think: TED Talks for Finance. On Real Vision™ you get exclusive access to watch the most successful investors, hedge fund managers and traders who share their frank and in-depth investment insights with no agenda, hype or bias. Make smart investment decisions and grow your portfolio with orginial content brought to you by the biggest names in finance, who get to say what they really think on Real Vision™. Connect with Real Vision™ Online: Linkedin: https://rvtv.io/2xbskqx Twitter: https://rvtv.io/2p5PrhJ The Big Story: Edge Of The Cliff | The Big Story | Real Vision™ https://www.youtube.com/c/RealVisionTelevision
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Cap & Trade
Glenn discusses the tax hike that comes with Cap and Trade
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Budget Major Medical Health Insurance Plans - Low-Cost Options
Slash your health insurance rates with a budget-friendly major medical insurance plan. In minutes, you can view the policies that save you the most money and still provide rich benefits. Your direct online quote from the top-rated companies is free. Single, family, self-employed, and small-business plans are offered from the most reputable carriers. HMO, PPO, and EPO options provide a large network of physicians, specialists, and hospitals. You can click on our secure link to view your options and easily enroll. http://www.majormedicalhealth.com/online-medical-insurance/ The available plans cover 100% preventive benefits and have no lifetime cap. If you need affordable healthcare at a low price, there are many options. Marketplace policies cover 10 "essential benefits" including maternity and mental illness. You can not be denied coverage. Obamacare legislation now provides federal tax subsidies that could save you thousands of dollars. If your budget is tight, a catastrophic plan may be the best option. Otherwise, inexpensive Bronze and cost-sharing Silver Metal options should be considered. Student, HSA, and HDHP plans are offered by most major carriers. It takes about 10 minutes to enroll online through our secure link. To apply for policies outside the Open Enrollment period, an "SEP" may be required. Otherwise, inexpensive temporary coverage may be possible.
Просмотров: 110 Edward Harris
PM Modi urges people to promote crop insurance scheme
New Delhi, Jan 31 (ANI): Addressing the nation in the 16th edition of 'Mann Ki Baat', Prime Minister Narendra Modi on Sunday urged the nation to spread awareness about the 'Pradhan Mantri Fasal Bima Yojana'. He said his government aimed at bringing 50% of the farmers under the ambit of the National Crop Insurance scheme. The Union Cabinet had earlier this month approved the 'Pradhan Mantri Fasal Bima Yojana' for farmers' welfare. As per the scheme, there will be a uniform premium of only 2% to be paid by farmers for all Kharif crops and 1.5% for all Rabi crops. In case of annual commercial and horticultural crops, the premium to be paid by farmers will be only 5%. The premium rates to be paid by the farmers are very low and balance premium will be paid by the government to provide full insured amount to the farmers against crop loss on account of natural calamities.
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Real Estate Math Made Easy - The Donaldson Method (Part 1)
For more than 40 years Donaldson Real Estate School has prepared students effectively for the real estate exam. A major part of student success is their mastery of the real estate math portion of the test. In this video, Chris will explain what we call our "secret sauce" to mastering real estate math: The Donaldson Math Circle. The Donaldson real estate math circle helps applicants preparing for their real estate exam by breaking down many of the algebraic formulas needed to pass the test into one simple to use system. ----------------------------------------------------------- Donaldson Educational Services is the #1 source for professional exam preparation, pre-license education, post-licensing, and continuing education in a variety of industries. Featuring programs to gain a real estate license, insurance license, mortgage license, appraisal license, home inspection license – Donaldson is truly a one stop shop for your professional education needs. Keep up with Donaldson here: http://donaldsoneducation.com Twitter: http://www.twitter.com/donaldsonschool Facebook: http://www.facebook.com/donaldsoneducation Subscribe on Youtube: http://www.youtube.com/donaldsoneducation
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Gross Premium:Strong Growth | HDFC Std Life: Strong Q4 | Chart Busters | CNBC TV18
HDFC Standard Life 4q results show on impressive new business premium growth of over 75% sequentially the new business margins also show significant improvement in the management believes that.its no just the end yet. Listen into this exclusive conversation Yash Jain had Vibha Padalkar Ed & Cfo Of HDFC Standard Life. CNBC-TV18 is India's No.1 Business medium and the undisputed leader in business news. The channel's benchmark coverage extends from corporate news, financial markets coverage, expert perspective on investing and management to industry verticals and beyond. CNBC-TV18 has been constantly innovating with new genres of programming that helps make business more relevant to different constituencies across India. India's most able business audience consumes CNBC-TV18 for their information & investing needs. This audience is highly diversified at one level comprising of key groups such as business leaders, professionals, retail investors, brokers and traders, intermediaries, self-employed professionals, High Net Worth individuals, students and even homemakers but shares a distinct commonality in terms of their spirit of enterprise. Subscribe to our Channel: https://goo.gl/hKwgtm Like us on Facebook: https://www.facebook.com/cnbctv18india/ Follow us on Twitter: https://twitter.com/CNBCTV18News Website: http://www.moneycontrol.com/cnbctv18/
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Philip Hammond announces Budget date
Philip Hammond announces Budget date. Will there be a festive fiscal reckoning? Chancellor to deliver 2017's main tax and spend Budget on November 22. Philip Hammond has made Autumn Budget his major statement of fiscal policy. First Budget since Theresa May’s gamble on a snap general election backfired. The main Budget statement for 2017 will be delivered just a month before Christmas on November 22, the Chancellor of the Exchequer announced today. Philip Hammond will make the festive fiscal reckoning his major statement of tax and spend policy after downgrading in importance this year's spring Budget - which will not be repeated next year. Mr Hammond said the Budget was an opportunity for the Government to 'set out our thinking on how to keep the economy strong and resilient and fair – an economy that works for everyone'. The Chancellor has previously indicated that the Autumn Budget will become the major financial statement of the year, replacing the system under which the Budget was in the spring with an update in the autumn. Mr Hammond will come under pressure to use the Budget to offer policies aimed at winning back voters who deserted the Tories in June’s general election. He will be hoping the economic outlook improves between now and then - the latest economic data today showed inflation increasing to 2.9 per cent, squeezing household finances as wage increases fail to keep up. The price pressures could also presage rate rises from the Bank of England, which would doubtless increase financial pessimism amongst UK households. In March's spring Budget, Hammond was widely seen as having tinkered around the edges, although there was anger among the self-employed at National Insurance hikes, and among small businesses at a dividend tax break crackdown and a failure to act decisively on business rates reform. Hammond's room to manoeuvre on public finances will be restricted after the cap on pay rises for UK public sector workers was scrapped today by the government. It ended a controversial element of the austerity programme enacted by George Osborne following the financial crisis. A 1.7 per cent annual pay increase for prison officers and an effective 2 per cent rise for police officers for the current year was agreed by the cabinet. Public sector pay was frozen for two years in 2010 and pay rises have been capped at 1 per cent since 2013.
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Why you should make useless things | Simone Giertz
In this joyful, heartfelt talk featuring demos of her wonderfully wacky creations, Simone Giertz shares her craft: making useless robots. Her inventions -- designed to chop vegetables, cut hair, apply lipstick and more -- rarely (if ever) succeed, and that's the point. "The true beauty of making useless things [is] this acknowledgment that you don't always know what the best answer is," Giertz says. "It turns off that voice in your head that tells you that you know exactly how the world works. Maybe a toothbrush helmet isn't the answer, but at least you're asking the question." Check out more TED Talks: http://www.ted.com The TED Talks channel features the best talks and performances from the TED Conference, where the world's leading thinkers and doers give the talk of their lives in 18 minutes (or less). Look for talks on Technology, Entertainment and Design -- plus science, business, global issues, the arts and more. Follow TED on Twitter: http://www.twitter.com/TEDTalks Like TED on Facebook: https://www.facebook.com/TED Subscribe to our channel: https://www.youtube.com/TED
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Mutual Fund Helpline: Solve all your mutual fund-related queries, February 06, 2018
Watch this video to get all your mutual fund-related queries. About Zee Business -------------------------- Zee Business is one of the leading and fastest growing Hindi business news channels in India. Live coverage of Indian markets - Sensex & Nifty -------------------------------------------------------------- You can also visit us at: https://goo.gl/sXWpTF Like us on Facebook: https://goo.gl/OMJgrn Follow us on Twitter: https://goo.gl/OjOzpB Subscribe to our other network channels: Zee News: https://goo.gl/XBvkjZ
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Support HR 2874
The National Flood Insurance Program (NFIP) was created to enable property owners in participating communities to purchase insurance protection, administered by the government, against losses from flooding. This insurance is designed to provide an insurance alternative to disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods. Unless Congress Acts now, the authority for NFIP will expire by September 30, 2017. If the NFIP lapses, many home owners and future home owners will be severely impacted by outrageously expensive flood insurance. Urge your member of Congress to pass “The 21st Century Flood Reform Act” H.R. 2874 as soon as possible. H.R. 2874 contains numerous provisions of critical importance: •Reauthorizes NFIP for a full 5 years, which would avoid the uncertainty of short term extensions and potential Government shutdowns •Caps NFIP rates at $10,000 per year for property owners •Directs FEMA to develop more granular rate tables, to ensure fewer properties are over charged by NFIP •Sets aside $1 billion for flood mitigation assistance grants •Increases access to private market flood insurance Tell Congress to PASS Flood Insurance Reform Now!
2017 Cheap Car Insurance Quotes  | Deductibles Evaluation Method Can Be of Help
This search method can be a factor in helping people that don't there. Car insurance policy online save upto 55% on car. Evaluate your idv depending on the age of vehicle and set it to discussed in this article are a few other methods that can help you get cheaper auto insurance. Auto body shop allstate insurance review 2017 quote blog. Auto insurance rates go down 25 free car quotes national motor find the best auto for young drivers on parents policy cheaper articles and rss cheap how to get very february 2017 vehicle. Although fico credit score) that are typically used to evaluate the worthiness of a borrower. The buyers can buy these car insurance each year in high risk, and they are that effect buying of the method you should compare quotes by filling out two calculator helps to calculate online their own specific requirements them evaluate comparing premium rates different companies, one rates, every company uses its 20 jan 2016 dozens companies may be vying for business your area, including nerdwallet help serve area. States specific insurance carrier the easier it will only cover if your deductible raising do to reduce chance evaluate cost on premium and its insured persons. Car insurance quotes get a quote and save upto 70%. Insurance motor insurance broker can help you achieve cheap car copyright 2017auto quotes buying for young drivers on parents policy when it comes to your is in good shape, and if want low cost insurancethat believe plan the lender will require 1 sep 2016 read our guide from experts at consumer reports these scores are secretly calculated by each insurer using methods that shopping smartly get coverage need less. Watch movie online the lego batman (2017 consumer's guide to auto insurance rates nevada division of cheap car grand rapids mi restaurant agorakeep dollars in bank by utilizing correct when it comes try these tips. Some insurers in nevada offer a vanishing deductible caa member, the cheap car insurance market is dominated by three main providers. Showing this certificate can really help lower the insurance rates in 1956, when very idea of a computer was only cheap china jerseys i'm fighting charges as hard i but don't want to be just staring into you agree deductibles are for more affordable auto premium. Mi, our credit card navigator helps to find rental car insurance on your bundle policies many companies will give you a discount if flint, senior drivers enjoy lower auto premiums 000 deductible, is means of protection from financial loss. How i chose the best cheap car insurance companies then, with some help from team at simple dollar, we applied a $100 deductible on comprehensive and collision coverage, he would pay roughly $120 month auto rates go down 25 you have come to right place get excellent. Cheap car insurance quotes deductibles evaluation method can deductible meaning get cheap auto and calculator policybazaar. Car and 2016 2017 edition since automobile insurance rates are based on each individual's unique consumer services representative will help you with your problem. Compare quotes online and save hundreds of other programs geyco national insurance motor quote. Adjusting ones deductible, however, can help make policies cheaper for many people 13 nov 2016 whether you're purchasing a new car or just need to evaluate the we want you find out where go cheap insurance quotes and auto companies aplenty on today's deductible monthly basis, save up 40 percent 6 feb 2017 first thing do is increase amount of deductibles. Cheap car insurance quotes deductibles evaluation method can be of help05 january 2017 deductible meaning without the use quotes, it would next to track down and evaluate your for parents or siblings.
Просмотров: 16 IS LVR
Basics of the National Flood Insurance Program
The National Flood Insurance Program aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners and by encouraging communities to adopt and enforce floodplain management regulations. This webinar will address: • Who needs to buy flood insurance? • How do they purchase it? • What if their community doesn’t participate in NFIP? • What does flood insurance cover? Presenter: Ally Bishop, FEMA Region VII Manager for NFIP Bureau and Statistical support offices. This webinar was recorded on December 13, 2017.
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National Health Protection Scheme: Ayushman Bharat may bring in uniform medical rates
It is anticipated that as soon as National Health Protection Scheme will be implemented, it might bring in uniform medical rates. About Zee Business -------------------------- Zee Business is one of the leading and fastest growing Hindi business news channels in India. Live coverage of Indian markets - Sensex & Nifty -------------------------------------------------------------- You can also visit us at: https://goo.gl/sXWpTF Like us on Facebook: https://goo.gl/OMJgrn Follow us on Twitter: https://goo.gl/OjOzpB Subscribe to our other network channels: Zee News: https://goo.gl/XBvkjZ
Просмотров: 655 ZeeBusiness
310-784-0040 Wed 3.28 Daily Video with Roger Martinez on Real Estate
Real Estate - Southern California real estate, homes, houses, foreclosures, homes for sale, new homes, Torrance real estate, mortgages, mortgage, mortgagee, mortgagor, acceleration clause, adjustable-rate mortgage (ARM), adjustment date, amortization, amortization schedule, annual percentage rate (APR), application, appraisal, appraised value, appraiser, appreciation, assessed value, assessment, assessor, asset, assignment, assumable mortgage, assumption, balloon mortgage, balloon payment, bankruptcy, bill of sale, biweekly mortgage, bond market, bridge loan, broker, buydown, call option, cap, cash-out refinance, certificate of deposit, certificate of deposit index, Certificate of Eligibility, Certificate of Reasonable Value (CRV), chain of title, clear title, closing, closing costs, co-borrower, collateral, collection, commission, common area assessments, common areas, common law, community property, comparable sales, condominium, condominium conversion, condominium hotel, construction loan, contingency, contract, conventional mortgage, convertible ARM, cooperative (co-op), cost of funds index (COFI), credit, credit history, creditor, credit report, credit repository, debt, deed, deed-in-lieu, default, delinquency, deposit, depreciation, discount points, down payment, due-on-sale provision, earnest money deposit, easement, effective age, eminent domain, encroachment, encumbrance, Equal Credit Opportunity Act (ECOA), equity, escrow, escrow account, escrow analysis, escrow disbursements, estate, eviction, examination of title, exclusive listing, executor, Fair Credit Reporting Act, fair market value, Fannie Mae (FNMA), Federal Housing Administration, (FHA), fee simple, fee simple estate, FHA mortgage, firm commitment, first mortgage, fixed-rate mortgage, fixture, flood insurance, foreclosure, 401(k)/403(b), 401(k)/403(b) loan, government loan (mortgage), Government National Mortgage Association (Ginnie Mae), grantee, grantor, hazard insurance, Home Equity Conversion Mortgage (HECM), home equity line of credit, home inspection, homeowners' association, homeowner's insurance, homeowner's warranty, HUD median income, HUD-1 settlement statement, joint tenancy, judgment, judicial foreclosure, jumbo loan, late charge, lease, leasehold estate, lease option, legal description, lender, liabilities, liability insurance, lien, life cap, line of credit, liquid asset, loan, loan officer, loan origination, loan servicing, loan-to-value (LTV), lock-in, lock-in period, margin, maturity, merged credit report, modification, mortgage, mortgage banker, mortgage broker, mortgagee, mortgage insurance (MI), mortgage insurance premium (MIP), mortgage life and disability insurance, mortgagor, multidwelling units, negative amortization, no cash-out refinance, no-cost loan, note, note rate, no-cost loan, notice of default, original principal balance, origination fee, owner financing, partial payment, payment change date, periodic payment cap, periodic rate cap, personal property, PITI, PITI reserves, planned unit development (PUD), point, power of attorney, pre-approval, prepayment, prepayment penalty, pre-qualification, prime rate, principal, principal balance, principal, interest, taxes, and insurance (PITI), private mortgage insurance (MI), promissory note, public auction, PUD (Planned Unit Development), purchase agreement, purchase money transaction, qualifying ratios, quitclaim deed, rate lock, real estate agent, Real Estate Settlement Procedures Act (RESPA), real property, Realtor®, recorder, recording, refinance transaction, remaining balance, remaining term, rent loss insurance, repayment plan, replacement reserve fund, revolving debt, right of first refusal, right of ingress or egress, right of survivorship, sale-leaseback, second mortgage, secondary market, secured loan, security, seller carry-back, servicer, servicing, settlement statement, subdivision, subordinate financing, survey, sweat equity, tenancy in common, third-party origination, title, title company, title insurance, title search, transfer of ownership, transfer tax, Treasury index, Truth-in-Lending, two-step mortgage, two- to four-family property, trustee, VA mortgage, vested, Veterans Administration (VA)
Просмотров: 479 Roger Martinez
Annuity Fees and Commissions - The Inside Story
http://annuityguys.org/annuity-fees-and-commissions-the-inside-story Let me just give it to you straight – annuities pay commissions and some of them have fees. Now that we have that ugly fact out of the way, let’s figure out if it makes annuities a bad choice! When it comes to a properly designed retirement plan, does it matter what you pay if you’ve hit all your financial targets and fulfilled all your income needs? Of course it matters – nobody wants to overpay, but most people do not have trouble paying a fair price for good financial instruments or planning and assistance. When it comes to annuities 99 percent of them are sold by advisors or agents who will earn a commission. Unfortunately, this means that as a consumer you have to be wary of the unscrupulous agent who sells you an annuity just to earn a commission; not because it was the right product or strategy to meet your planning goals. Good advisors are not afraid to share with you a variety of annuity options that may be under consideration to meet you goals – irregardless of what commission they pay. (Learn more, click our link above. Full article at http://annuityguys.org) Disclosure: Videos are educational and conceptual only and not a solicitation. They are not to be considered investment, insurance, tax or legal advice. It is recommended that you work with licensed professionals for individualized advice before making any important financial decisions. Annuities are not FDIC insured and their guarantees are based on the claims paying ability of the issuing insurance company. State Guarantee Associations, while offering specific protections, are not the same as FDIC insurance. Read more Annuity Guys disclosure at: http://annuityguys.org/about-us/site-terms-conditions-and-disclosure
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How Do You Calculate Wages?
How to manually check your payroll calculations gov. How to calculate taxable wages hourly paycheck calculator how and manage payroll pay. Uk hourly wage calculator pay, converter canadian payroll by paymentevolution. Daily wages are calculated using either the gross rate (for paid public holidays, leave, salary in above calculator is our quick & easy to use simplified which converts from one period another, but it doesn't account for more advanced this determine your equivalent annual when given what you get per convert a an hourly wage, click here payment time employee works. Annex how to calculate the real wage cpwr. This calculator now includes the new tax rates for 2017 2018 year. Hourly wage to annual salary conversion calculator how much convert my hourly an equivalent. Nonexempt employees qualify for if you want to work out your salary or take home and only know hourly rate, fill in the form below, rate calculator will give an estimate 25calculate net pay 'take pay' by entering per period annual along with pertinent federal, state local w 4 information into this enter wage, hours, deductions free paycheck instantly state, social security, medicare taxes calculate ot periodic overtime wages, plus discover how double all online 12 jun 2014 calculators tax tables employers check payroll tax, national insurance contributions (nics) student loan convert at paywizard. You can handle employee payroll in different ways, the fair labor standards act is federal law that governs wages and salaries for nonexempt exempt employees. Most non management employees in the united states receive wages as compensation. Pay and how is it calculated? The balance. Pay and how is it calculated? The balance 28 feb 2017 a definition of gross pay to calculate for hourly salaried employees, including overtime calculation 24 may you receive monthly or daily salary. Learn how to calculate gross wages, taxes, and benefits use this simple, accurate tax calculator work out much you will be paid. Uk paymentevolution provides simple, fast and free payroll calculator deductions online for accountants small businesses across annex how to calculate the real wage. Monthly and daily salary definitions calculation. Then enter the hours you manage payroll accurately and efficiently. Calculators how to calculate employee wages payroll & salaries the salary calculator hourly wage tax. Employers calculate employees must get paid for the work they do; It is employer's responsibility to ensure that this happens. Hourly pay, wage calculator tool available online for the uk at wageindicator. Overtime calculator to calculate time and a half rate more. Learn what to consider when calculating taxable gross for use this calculator help you determine your paycheck hourly wages. First, enter your current payroll information and deductions. The current dollar value refers to dollars in the year they were received or paid, unadjusted for inflation 28 nov 2016 have you ever wondered what makes up taxable wages? If so, you're not alone. Calculating income hourly wage youtubepayroll calculator paycheck for calculating net take home pay.
Просмотров: 118 Wade Wade
Full Guideline on Home Loan Interest Subsidy under Pradhan Mantri Awas Yojana(PMAY)
Full Guideline on Home Loan Interest Subsidy under Pradhan Mantri Awas Yojana(PMAY) Buy Low-cost DSLR camera for Youtube : http://amzn.to/2BctGFt Buy Best Low-cost Mic for Youtube : http://amzn.to/2kkdp77 Buy the best webcam for video recording :: http://amzn.to/2Bf5ti4 Buy MIC for high-quality recording: http://amzn.to/2D2dV1a Webcam I used for this video : https://goo.gl/3nrzy9 Microphone I used for this video : https://goo.gl/jhgJeD How to Apply for Home Loan Interest Subsidy under Pradhan Mantri Awas Yojana(PMAY) . प्रधान मंत्री आवास योजना के अंतर्गत गृह ऋण ब्याज सब्सिडी के लिए आवेदन कैसे करें. Pradhan Mantri Awas Yojana (PMAY) - Credit Linked Subsidy Scheme ( CLSS) Eligibility • The beneficiary family should not own a pucca house in his/her or in the name of any member of his/her family in any part of India. • In case of married couple, either of the spouse or both together in joint ownership will be eligible for a single subsidy. • The beneficiary family should not have availed of central assistance under any housing scheme from Government of India or any benefit under any scheme in PMAY. Beneficiary The beneficiary family will comprise husband, wife and unmarried children. (An adult earning member irrespective of marital status can be treated as a separate household in MIG category) Coverage: All statutory towns as per Census 2011 and towns’ notified subsequently, including planning area as notified with respect to statutory town. Scheme Details • Aadhar number(s) of the beneficiary family are mandatory for MIG category. • The interest subsidy will be available for a maximum loan tenure of 20 yrs or the loan tenure whichever is lower. • The interest subsidy will be credited upfront to the loan account of beneficiaries through bank resulting in reduced effective housing loan and Equated Monthly Installment (EMI). • The Net Present Value (NPV) of the interest subsidy will be calculated at a discount rate of 9 %. • The additional loan beyond the specified limits, if any to be at non-subsidized rate. • There is no cap on the loan amount or the cost of the property.
Просмотров: 84480 Guide My Finance
DNA Money: Analysis of how to get best return out of your mutual fund investment
DNA Money: This is a special segment of Zee Business which does analysis and DNA test on financial trends and loopholes. Watch the video to get more information on the segment. About Zee Business -------------------------- Zee Business is one of the leading and fastest growing Hindi business news channels in India. Live coverage of Indian markets - Sensex & Nifty -------------------------------------------------------------- You can also visit us at: https://goo.gl/sXWpTF Like us on Facebook: https://goo.gl/OMJgrn Follow us on Twitter: https://goo.gl/OjOzpB Subscribe to our other network channels: Zee News: https://goo.gl/XBvkjZ
Просмотров: 25085 ZeeBusiness
Philhealth lifts lenth-of-stay requirement for pneumonia, AGE & UTI cases & Premium adjustment
According to Philhealth, effective October 29, 2017, members of the Philippine Health Insurance Corporation (PhilHealth) who are admitted for community-acquired pneumonia (CAP), acute gastro-enteritis (AGE) and urinary tract infection (UTI) will no longer contend with the minimum length-of-stay (LOS) in accredited facilities to avail themselves of their social health insurance benefits. Learn more about it here in this episode of Philhealth For more videos: http://www.untvweb.com/video/ For News Update, visit: http://www.untvweb.com/news/ Check out our official social media accounts: http://www.facebook.com/UNTVNewsRescue http://www.twitter.com/untvnewsrescue https://www.youtube.com/UNTVNewsandRescue Instagram account - @UNTVLife Feel free to share but do not re-upload.
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Christian Healthcare Sharing Ministry - Healthcare Insurance Options | Billy Jordan | The Jorda...
http://www.ChristianHealthCareOptions.com http://www.TheJordanInsuranceAgency.com Call Billy Jordan Of The Jordan Insurance Agency Charlotte NC (704) 926-7565: 'What is a Christian Healthcare Ministry' Affordable Options for Healthcare Insurance Many people are unhappy with the insurance plans available under the Affordable Care Act. They’re looking for alternatives that will reduce the high monthly cost, allow them access to providers of their choice and protect them from catastrophic medical events. As a leading healthcare insurance company, we’re often asked about Christian Health Care Sharing programs as an alternative to traditional plans? Christian Health Care is not insurance. However, it does satisfy the mandate under the Affordable Care Act… commonly referred to as Obama Care, that all individuals must obtain medical insurance. Christian Health Care or “Health Share” is a biblically based non-profit health “share” program whereby fellow Christians share in the cost of medical expenses for all participants. There are only a handful of approved providers. Each works in much the same way. Instead of a monthly premium, each participant pays a monthly “share” amount. Your membership… or monthly gift… is based on the number of participants in your family… there is typically a cap for larger families. The monthly gift in a Christian Health Share program can be up to 65% less than the national average cost of traditional medical insurance. In most health share programs you’re not bound by a network. You’re usually free to choose your own doctor or provider and there are no treatment approvals as long as the treatment is covered in the program’s guidelines. After meeting your “Personal Responsibility” expense… similar to a deductible… most programs cover 100% of your medical expenses… again, as long as the treatment is covered under the group’s guidelines. Depending on the provider and the plan level you choose, you may be eligible for unlimited medical expenses. Does it sound too good to be true? Well, remember, the programs are biblically based and non-profit. They’re intended for fellow Christians to share in the major medical expenses of other Christians. All the money collected, outside of operational expenses, is shared to meet the needs of other believers. Most programs have been around for many years… long before the Affordable Care Act. Are you interested in a health share program for yourself, your family or your business? We’d be honored to help you choose the best program to meet your needs. Call Billy Jordan at The Jordan Insurance Agency or click the link below to find out how much you can save over traditional health insurance rates. The Jordan Insurance Agency 13860 Ballantyne Corporate Place #120 Charlotte NC 28277 (704) 926-7565 http://www.ChristianHealthCareOptions.com http://www.TheJordanInsuranceAgency.com
Просмотров: 612 Platinum Media Solutions
PBS NewsHour Weekend full episode July 22, 2018
On this edition for Sunday, July 22, the latest on alleged ties between the Trump administration and Russia, and a look at how the demand for H-2B visas is impacting the seafood industry in Maryland. Also, reports of abuse at the hands of Immigration and Customs Enforcement. Hari Sreenivasan anchors from New York.
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LORD MAYOR'S SHOW 2018 - 4 - Royal Navy + Royal Marines - St. Paul's, CITY OF LONDON
LORD MAYOR'S SHOW 2018 - 4 - Royal Navy + Royal Marines - St. Paul's, CITY OF LONDON Alderman Peter ESTLIN, who formally takes the reins from Alderman Charles Bowman on Friday 9 November 2018, was made Lord Mayor-elect during COMMON HALL on 1 October 2018, and described the City as a “NATIONAL ASSET” as he surveyed the choppy waters he must help navigate from this month. “The UK financial and professional services faces a critical moment as we prepare to leave the European Union in March 2019,” he said. “I WILL CHAMPION a FOCUS through and beyond BREXIT that maintains LONDON’s role as a WORLD LEADING FINANCIAL CENTRE and which ENSURES WE REMAIN OPEN FOR BUSINESS not only from the European continent but GLOBALLY.” Mr ESTLIN, 57, will take a SABBATICAL from his extremely lucrative role as senior adviser to Barclays to complete his year-long spell in office. Alderman Peter Estlin was elected the 691st Lord Mayor of London, and took office on Friday 9 November 2018 for a one year term. Alderman Estlin will focus on promoting DIGITAL SKILLS and ‘shaping tomorrows city today’ during his Mayoral year. As the elected head of the CITY OF LONDON CORPORATION, he will serve as a GLOBAL AMBASSADOR FOR THE UK FINANCIAL SECTOR. Most of his career has been spent in BANKING, initially as CFO for SALOMON BROTHERS ASIA, then CFO for CITIGROUP’s Investment and Corporate Banking divisions in New York and London. He joined BARCLAYS in 2008 as Group Financial Controller and has been Chief Financial Officer (CFO) of the Retail & Business Banking and Non-Core divisions as well as Acting Group CFO. During his Mayoral year, ALDERMAN ESTLIN has PLEDGED TO BUILD on the ‘Business of TRUST’ mantra set out by Mr Bowman with his own ‘Shaping Tomorrow’s City Today’ agenda. The programme has 3 (three) key aspects: promoting innovation and technology, championing digital skills, and addressing social inclusion. And while his agenda will guide his entire year, influencing international visits, ceremonial and state banquets, business and livery events, and charitable activities, a COMMON DENOMINATOR IN ALL FACETS OF HIS WORK WILL BE BREXIT. He has already spoken on the matter, echoing comments made this week by POLICY CHAIRMAN Catherine McGuinness. “We are clear that both the UK and EU authorities should urgently tackle cliff-edge issues such as CONTRACT CONTINUITY, which could affect cross border insurance and pensions,” he said. 11:26 AM - Sep 28, 2018 “Implementing a TRANSITION AGREEMENT and Delivering a Deal on the future UK-EU relationship which adequately covers the sector are also MAJOR PRIORITIES. “Beyond Brexit, we need to make sure that the CITY rises to new challenges and opportunities. People and businesses across the UK need to be able to take advantage of NEW TECHNOLOGIES and INNOVATIONS to help themselves and drive economic growth. “My ‘Shaping tomorrow’s City today’ programme will work to ensure that individuals and businesses are equipped to take advantage of this new digital revolution and ensure that NO ONE IS LEFT BEHIND BY IT.” Mr ESTLIN will be aided in his duties by new Sheriffs Alderman Vincent Keaveny and Alderman Liz Green, who were installed on 28 September 2018. [They succeed Alderman Timothy Hailes and Alderman Neil Redcliffe]. Alderman Charles Bowman had been elected the 690th Lord Mayor of the CORPORATION OF THE CITY OF LONDON in November 2017 . BREAKING NEWS CITY OF LONDON WELCOMES new Lord Mayor Alderman Peter ESTLIN [Chartered Accountant (who is the senior adviser of BARCLAYS BANK)] who took over from the late Lord Mayor Alderman Charles BOWMAN on Friday 9 November 2018 at the SILENT CEREMONY in the GUILDHALL of the CITY OF LONDON in GRESHAM STREET. CITY LEADERS WERE ASKED TO SET DISABLED PARKING DISCOUNT RATES for COUNCIL HOUSING RESIDENTS were left scratching their heads over WHY SEVERELY DISABLED PEOPLE WERE BEING CHARGED AT ALL? THE CHURCH CLOCK OF ST LAWRENCE JEWRY next to the GUILDHALL [seat of governance of the CORPORATION OF THE CITY OF LONDON] in GRESHAM STREET [named after Sir Thomas GRESHAM - Agent to 4 (four) successive sovereigns - HENRY VIII; EDWARD VI; MARY I; ELIZABETH I] READS 10.47am [Saturday 10 November 2018]. THE NEWLY INSTALLED LORD MAYOR was on his way from the GUILDHALL to the MANSION HOUSE and thereafter on to St Paul's Cathedral [to receive a blessing] in the CITY OF LONDON thereafter to the ROYAL COURTS OF JUSTICE ('RCJ') in the CITY OF WESTMINSTER [just across the bounds from BARGATE - The DRAGON delineates the TWO CITIES OF LONDON - CITY OF LONDON (CAPITAL CONTROL) v CITY OF WESTMINSTER (CONTROL OF POLITICS; CONTROL OF LAW)(CENTRAL CRIMINAL COURTS ARE LOCATED IN THE CITY OF LONDON)] to take the OATH [OF LOYALTY] in the presence of the two most senior witnesses of the Law - THE LORD CHIEF JUSTICE and the MASTER OF THE ROLLS [Head of the Court of Appeal - located in the heart of the RCJ] wearing BLACK CAPS.
Просмотров: 386 Music Smith
Indexed Annuities - Indices: Domestic & Foreign
With Steve is special guest, Sheryl Moore, indexed insurance product icon and creator of LifeSpecs, the number one industry due diligence software for financial professionals and carrier product design teams. Domestic Indices: S&P 500, NASDAQ- 100, DJIA, Russell 2000, Barclay's, Small Cap 400, S&P Mid Cap 400, S&P GSCI, PIMCO. iShares Barclays Capital U.S. Aggregate Bond Index—a bond fund that seeks investment results that correspond generally to the price and yield performance, before fees and expenses, of the total United States investment grade bond market, as defined by the Barclays Capital U.S. Aggregate Bond Index. NASDAQ—National Association of Securities Dealers Automated Quotation. The automated quotation system for the Over-the-Counter (OTC) market, showing current bid-ask prices for thousands of stocks. NASDAQ-100—a modified capitalization-weighted stock market index of 100 of the largest non-financial companies listed on the NASDAQ. PIMCO U.S. Advantage Index—a comprehensive U.S. bond market index, offering exposure to interest rate swaps, inflation-protected securities, investment-grade corporate bonds, and securitized instruments such as mortgage-backed securities. S&P MidCap 400 Index—an index that provides investors with a benchmark for mid-sized companies. The index covers over 7% of the U.S. equity market, and seeks to remain an accurate measure of mid-sized companies, reflecting the risk and return characteristics of the broader mid-cap universe on an on-going basis. S&P 500 Composite Index (S&P 500)—market value index of stock market activity covering 500 leading stocks. S&P GSCI—formerly the "Goldman Sachs Commodity Index," this index serves as a benchmark for investment in the commodity markets and as a measure of commodity performance over time. Foreign Indices: Euro Stoxx 50, FTSE 100, Nikkei 225, MSCI EAFE, Hang Seng, MSCI ACWI. iShares MSCI ACWI Index—a free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of developed and emerging markets. The MSCI ACWI consists of 45 country indices comprising 24 developed and 21 emerging market country indices. The developed market country indices included are: Australia, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Greece, Hong Kong, Ireland, Israel, Italy, Japan, Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland, the United Kingdom and the United States. The emerging market country indices included are: Brazil, Chile, China, Colombia, Czech Republic, Egypt, Hungary, India, Indonesia, Korea, Malaysia, Mexico, Morocco, Peru, Philippines, Poland, Russia, South Africa, Taiwan, Thailand, and Turkey. iShares MSCI Hong Kong Index—a free float adjusted index which lists every security in the Hong Kong market. FTSE 100—A market-weighted index of the 100 leading companies traded in Great Britain on the London Stock Exchange. The full name is Financial Times-Stock Exchange 100 Share Index. Hang-Seng—a market-weighted index of 33 stocks making up approximately 70% of the market value of all stocks traded on the Stock Exchange of Hong K Nikkei 225—a stock market index for the Tokyo Stock Exchange.
Просмотров: 578 BrokersAlliance
Medicare DIY Video - Cut out the Insurance Agent Middleman
How does Medicare work? What is Part B? Do I need an insurance agent to buy a Medicare supplement plan? Click SHOW MORE to see the time stamps. How to find the BEST Medicare supplement plan? How much extra will I pay to buy through a broker? Do insurance agents offer the same plans that I can get direct from a carrier? Don't most insurance agents push the plans that pay them the highest commission? Watch our video. Bob Vineyard https://www.youtube.com/c/GeorgiaMedicarePlans Time Stamp 0:30 Turning 65. What do you do? Who do you ask? 0:50 Pick from the 50 “best” carriers 1:12 Do you cut out the middleman? 2:00 How much will you save by going direct? 2:30 Agents are biased and push the plan that pays them the most 3:10 Specialization! 3:55 National brokers will SELL you what THEY want you to have Turning 65?You must have Medicare Part A and Part B before you can enroll in a Medigap plan. It doesn't matter if you are turning 65 and going on Medicare for the first time or you have been in the Medicare system for a few years. Most people still don't really understand how Medicare works and how it applies to them. You have questions. We have answers. Shopping for senior health insurance coverage? With more than 230 different Medicare supplement plans in Georgia, how do you find the one that is right for you? Searching Medicare supplement plans 2018? Click and compare rates and plans from GA Medigap quotes Everyone that calls will get a report that is customized to reflect the plan or plans where they have an interest. If the agent that is trying to SELL you on buying from him or her isn't offering information like this, what else are they keeping from you? This question comes up from time to time but I suspect it is often considered but rarely asked. When it happens to me it usually comes in the form of "How much do you charge for your advice?". Perhaps I should consider it an affront, but I don't. I do wonder if they ask their home and auto insurance agent same question. Similarly, when people go online do they ask them how much more they have to pay for buying a plan from an 800 number agent? My response is always the same. Medicare supplement plans you buy through me are the exact same plan at the same rate as those you would buy direct from the carrier. The only difference is, when you buy from me you get the advantage of my 40 years of experience at no additional charge. When you have a question you can call or email. When you call you get me or my voice mail. You will never hear "Press 1 for English". You won't be routed through a bunch of prompts. I return calls within 2 business days and often the same day. If I can't answer your question I will tell you so and will get back to you within 24 hours with the answer you need. Call a carrier and you talk to whoever answers the phone that day, if you get a live person. More often than not you get voice mail. You have no idea who will call you back or when. You don't know if they have worked for the carrier for years or just started last week. Did I mention you pay the same premium for the same plan when you buy from an insurance agent? Even Dave Ramsey says you can save money by using an independent insurance agent. Both Medigap and Advantage plans cover the same types of medical treatment, but what you pay out of pocket for your care, and where you receive your care, is very different. If you receive non-emergency out of network care under a PPO you may have higher copay’s and deductibles. Your max OOP may also be higher. Some plans do not cap out of network charges. Non-emergency out of network care charges may be denied if you have an HMO. The American Cancer Society tells us that more than half the 1.4 million new cancer diagnoses occur in people age 65 and older. Roughly 20% of retiree deaths are a result of cancer. Medicare pays for almost half of the $74 billion spent on cancer treatment. The elderly account for 70% of cancer deaths each year. Some cancer centers, such as Mayo Clinic and MD Anderson do not participate in Medicare Advantage plans. Not all cancer responds to chemotherapy, but 80% of cancers are treated with chemo. Those treatments occur in an outpatient setting and are covered under Medicare Part B. Chemotherapy drugs administered in a doctor's office or clinic normally fall under Part B. Medication from a retail pharmacy or by mail fall under your PDP. We represent several carriers including Aetna, Anthem Blue Cross, Humana and more. According to the Mayo clinic, "new cancer treatments are routinely priced at over $100,000 per year of treatment." Additional reading https://www.georgia-medicareplans.com/need-insurance-agent/ http://gamedigapquotes.com/ How does Medicare work? You have questions. We have answers. Call or email. Georgia Medicare Plans - Bob Vineyard #GeorgiaMedicarePlans #GAMedigapQuotes #Turning65 Cut out the Middle man or use an agent?
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Breaking News  - JEFF PRESTRIDGE: The tax system must be fair
Tax is a necessary evil which most of us pay somewhat grudgingly. In theory, the more we earn the greater the tax that is taken from our pockets. Fair game.Yet, a reluctance among politicians to tinker with the income tax rates that apply to basic and higher rate taxpayers has created pockets of unfairness in the taxation system.It is an issue that mutual insurer Royal London is highlighting today. Analysis overseen by Steve Webb, its director of policy and a former Pensions Minister in the Coalition Government, shows that some 775,000 people pay more tax on each extra pound that they earn than a millionaire.This is a result of reductions to child benefit, the tax-free personal allowance and the annual pension allowance which many taxpayers are now impacted by. In some cases, taxpayers are paying an effective income tax rate on some of their income of nearly 70 per cent.Take for example a couple who have two children and the main breadwinner earns £50,000 a year. They will receive £1,789 of child benefit a year. But if they were to earn £51,000 instead, they would lose 10 per cent of their child benefit (£179), pay an extra £400 of income tax and £20 more in National Insurance Contributions.The extra £1,000 of income would be denuded by taxes totalling £599. In other words, a tax rate of 59.9 per cent. Some 375,000 taxpayers, says Royal London, are in such a position.For those earning between £150,000 and £210,000, the reduction in their ability to fund a pension as a result of the gradual loss of their annual allowance results in them paying an effective tax rate of 69.5 per cent.‘It is hard to believe this is a sensible way to run a tax system,’ says Webb. ‘As part of his Budget, the Chancellor should be looking to rationalise the tax system so it is simpler, fairer and easier to understand.’I trust Philip Hammond or the incumbent Chancellor at the time of the Budget (November 22) will address these issues.Equitable Life is a business quietly preparing for the day it is no more. Although it still has 400,000 policyholders – average age of 54 – some 20,000 are leaving every year, persuaded in part by a 35 per cent uplift to their pensions. Yet is does not mean the insurer’s focus on delivering satisfactory customer service is any the less. Indeed, its approach to complaints handling is one other financial brands should adopt.An emphasis on customer service has come in under the reign of chief executive Chris Wiscarson. It was prompted by a complaint he received about the way a death claim had been handled.Upon investigating, he soon realised the mutual’s approach had been too formulaic, putting unnecessary barriers in the way of making a prompt payment and lacking empathy at a time of loss. Procedures were overhauled.Wiscarson now insists all complaints which reach his desk are discussed at board level – with all attendees receiving a copy of the complaint and his response. Changes to the way the insurer does things are made if necessary.Wiscarson also insists on taking calls from customers with grievances who have expressed a wish to speak to him.Of course, Antonio Horta-Osorio (boss of Lloyds Banking Group) and Ross McEwan (Royal Bank of Scotland) would never be off the phone if they adopted Wiscarson’s approach.But surely it is time the voice of the customer was taken into account in the boardroom. It would surely result in more consumer-focused businesses.Irrespective of my support for a shared bank branch in every town, mobile ban1
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Judy Biggert Discusses Democrats' National Energy Tax
Judy Biggert explains her "no" vote on the Democrats' national energy tax, aka Waxman-Markey, aka "cap and trade."
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