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mitchellbelstead6675 · 4 years ago

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Aluminium Pan Market expands with the rise in world population

Aluminium Pan Market: An Overview

The need for low price, strong and lightweight cookware urged the companies to manufacture aluminium pan. The pan is cheap and durable as compared to other pan made from different materials. It is extensively used in household works because of its budget cost and various advantages. Aluminium pan is cost-effective, fire resistant, and is a good conductor of heat. This pan is temperature resistant and does not twist when exposed to high temperature. It heats quickly and allows less time to make food and consumes less energy. Aluminium pan does not affect the taste of food and allows long term storage. Aluminium pan made from aluminium last long as compared to other materials. Due to the good conductivity of heat of aluminium, proper browning and cooking of food is achieved. Aluminium pan can be recycled, which can lower the environmental burden. Aluminium is used as a heat conductor and can be coated with stainless steel or an anodized coating to protect the food. Anodized aluminium pan does not react with acidic food and is considered safe. Aluminium pan made from aluminium is not harmful to human or animals as they do not react with acidic food and is not toxic. It is easy to clean and is mostly used in household, retail, and commercial sector.

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Aluminium Pan Market: Dynamics

Aluminium is a cheaper source to manufacture aluminium pan which can drive the aluminium pan market. The pan made from aluminium is less expensive as compared to stainless steel, which can raise the market of aluminium pan. Increasing modernization leads to the need to spend less time preparing food, which in turn can boost the market of aluminium pan as it is a good conductor of heat. Though this pan has many advantages, there are also some restraints which can affect the growth of aluminium pan in the market. Aluminium has a strong affinity for alkaline and acidic foods which can cause corrosion of food and produce undesirable taste. Aluminium pan can also develop a grayish texture over time, which can be an unwanted property for consumers’. Due to the reaction of aluminium pan with the acidic, food stains can easily be seen. Aluminium pan is a good conductor of heat which can cause quick heating of the pan which can create inconvenience in handling. As aluminium is a cheap source to make a pan, so there is a need to look after the restraints of aluminium pan. Innovation is in progress to produce aluminium pan in which these drawbacks can be avoided, and a further coating at the bottom is being installed to prevent sticking of food to the surface of aluminium pan.

For instance,In February 2018, AXA cookware produced an innovative aluminium pan called Hard Oxidized pan, which is eco-friendly, safe to use, hard and have lower consumption of energy.

Aluminium Pan Market: Segmentation

On the basis of material, the aluminium pan market has been segmented into:

Cast Aluminium Pan

Anodized Aluminium Pan

On the basis of end use, the aluminium pan market has been segmented into:

Household

Commercial

Retail

Aluminium Pan Market: Regional Outlook

Countries like Greece, Belgium and Austria in the European region and US and Canada in the North American region have the highest consumption of food, and therefore, the market for aluminium pan is expected to rise. Aluminium pan in developed countries such as the U.S., Italy, and the UK is expected to have positive growth during the forecast period. It attributed to the high demand for aluminium pan market incorporated food preparation and serves in the household, retail, and commercial sectors. The increasing demand for light-weight, cheap, and cookware, which can cook food in short duration drives the aluminium pan market in developing countries such as India, China, etc.

Aluminium Pan Market: Key Players

Groupe SEB

Alluflon SpA

Ballarini SpA

Norbert Woll GmbH

Meyer Corporate

Fissler GmbH

Risoli

Alza SL

Maspion Group

Zhejiang Zhongxin Cookware Co., Ltd.

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Our key underpinning is the 4-Quadrant Framework EIRS that offers detailed visualization of four elements:

Customer Experience Maps

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The study strives to evaluate the current and future growth prospects, untapped avenues, factors shaping their revenue potential, and demand and consumption patterns in the global market by breaking it into region-wise assessment.

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The following regional segments are covered comprehensively:

North America

Asia Pacific

Europe

Latin America

The Middle East and Africa

The EIRS quadrant framework in the report sums up our wide spectrum of data-driven research and advisory for CXOs to help them make better decisions for their businesses and stay as leaders.

Below is a snapshot of these quadrants.

1. Customer Experience Map

The study offers an in-depth assessment of various customers’ journeys pertinent to the market and its segments. It offers various customer impressions about the products and service use. The analysis takes a closer look at their pain points and fears across various customer touchpoints. The consultation and business intelligence solutions will help interested stakeholders, including CXOs, define customer experience maps tailored to their needs. This will help them aim at boosting customer engagement with their brands.

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The study equips businesses and anyone interested in the market to frame broad strategic frameworks. This has become more important than ever, given the current uncertainty due to COVID-19. The study deliberates on consultations to overcome various such past disruptions and foresees new ones to boost the preparedness. The frameworks help businesses plan their strategic alignments for recovery from such disruptive trends. Further, analysts at TMR helps you break down the complex scenario and bring resiliency in uncertain times.

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The report sheds light on various aspects and answers pertinent questions on the market. Some of the important ones are:

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4. Which regions might see the demand maturing in certain segments in near future?

5. What are the some of the best cost optimization strategies with vendors that some well-entrenched players have gained success with?

6. Which are the key perspectives that the C-suite are leveraging to move businesses to new growth trajectory?

7. Which government regulations might challenge the status of key regional markets?

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9. What are some of the value-grab opportunities in various segments?

10. What will be the barrier to entry for new players in the market?

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securitieslitgtr · 6 years ago

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PWCK Law Firm: FINRA Arbitration Panel Awards Record-Setting $3 Million to Rochester-Area Egg-Farming Family Victimized by Convicted AXA Financial Advisor

Published by Business Wire

May 01, 2019 02:49 PM Eastern Daylight Time —

ROCHESTER, N.Y.–(BUSINESS WIRE)–A FINRA arbitration panel has awarded $3.2 million to an Alleghany County egg-farming family swindled in a variable annuity (VA) and life insurance scheme promoted by a former AXA financial advisor who was recently convicted for stealing from another elderly AXA client. The Whitesville, NY, victims were represented in the arbitration proceeding by the Peiffer Wolf Carr & Kane law firm (PWCK). For more details about the case, go to www.brokerwatch.com/axa/upstate-ny.

The award is believed to be the largest ever paid in upstate New York and also the largest imposed on AXA in arbitration.

The elderly victims oversaw the successful Fitzpatrick Poultry Farm in Whitesville, NY, for many years before suffering millions of dollars in damages at the hands of AXA and its financial advisor, Francesco Puccio, formerly of Webster, NY. Puccio was affiliated with the AXA office in Rochester.

At a news conference today, PWCK released a fact sheet showing a disturbing pattern of AXA problems throughout Rochester, Syracuse, Buffalo, and upstate New York. The PWCK fact sheet documents multiple complaints, settlements, regulatory actions and fines involving AXA and AXA brokers, including the victimization of 81-year-old Scottsville, NY, widow Shirley Kerwin, who lost her entire life savings to the same AXA broker who cheated the Whitesville egg-farming family. Puccio was later found guilty of stealing from Kerwin.

PWCK Partner Jason Kane said: “AXA sent a felonious broker to serve unsophisticated and elderly clients and then completely abdicated its supervisory obligations. Nonetheless, an unrepentant AXA contended throughout the arbitration that everything was ‘perfectly suitable’ and ‘beyond reproach.’ This elderly couple may have had wealth, but they did not have investment savvy. AXA and Puccio took them to the cleaners by recommending obviously unsuitable variable annuities and life insurance policies.”

“I’m not happy at all about the way AXA treated us,” said Sandra Fitzpatrick, one of the egg-farming family victims. “We’ve learned that you can’t just trust anybody. You have to be careful, and you have to ask before you sign any papers. You have to find out what you’re signing them for. That’s something that we didn’t do because we trusted the person AXA sent to our door. We thought he was going to be honest. I would like to warn other people to know what you’re signing.”

PWCK Managing Partner Joseph Peiffer said: “This arbitration award sends a strong message to AXA and other financial giants that they are responsible for the conduct of the financial advisors to whom they lend their names. The definition of a suitable investment is not whatever some felonious broker can talk somebody into buying. If there are no rules of the road that AXA and other companies recognize, it will not take long before individual investors lose even more faith in a system that all too often fails them.”

Speaking to her separate claim against AXA, the widow Shirley Kerwin said: “When Puccio stole my money, I was shocked. I turned to AXA. When they refused to help, I was devastated. And, I knew that I had to take action to protect myself and anyone else out there that was harmed by AXA.”

The egg-farming couple fleeced by Puccio did not understand the nature of the variable annuity and life insurance products in which they invested millions of dollars. In what should have been a clear sign of their lack of sophistication, the Fitzpatricks were found to have earlier insurance policies stacked in egg carton boxes and did not seem to be aware they existed. Instead of helping them, Puccio rolled those old policies into newer and larger ones that paid hefty commissions to him. The total commissions paid out in just one year to Puccio was well over $200,000.

One of the more damning moments of the arbitration hearing occurred when Puccio was caught impersonating a Fitzpatrick family member on an audio recording and then had to admit he established a fraudulent email account to pose as the eldest member of the family. That same day he sold yet another life insurance policy to the Fitzpatricks.

Other resources available about the Fitzpatrick case include:

Full details on the arbitration proceeding.

A short video providing an overview of the Fitzpatrick case.

B-roll footage of the Fitzpatricks for TV station use.

Peiffer Wolf Carr & Kane has extensive experience in handling investment fraud cases in upstate New York and across the U.S.

In November 2017, PWCK won close to half a million dollars on behalf of a retired Brighton, NY school teacher who was advised by Frank Monte at Harbor Capital to overconcentrate her savings in variable annuities. PWCK has since filed arbitrations on behalf of 10 families in follow-up cases involving Harbor Capital’s annuity advice.

Last August, PWCK took legal action on behalf of victims of an elaborate investment scheme that succeeded in large part through the credibility lent to the affair by a network of “middlemen” insurance agents, brokers, financial planners/investment advisors (IAs) and others who roped in unwary investors for Future Income Payments LLC (FIP). PWCK launched a coordinated wave of five lawsuits in and around Los Angeles, Houston, Chicago, northern Florida, and Philadelphia/New Jersey targeting the seemingly legitimate financial professionals who made the FIP scheme work. Currently, PWCK has FIP-related lawsuits filed in Ohio, Illinois, California, Florida, Texas, New Jersey, Utah, South Carolina, and Minnesota. More at https://fiplawsuit.com.

In December, PWCK started assisting investors burned in the OptionSellers.com hedge fund collapse. Even with a focus on high-net-worth individuals, OptionSellers.com was aggressively marketed to a wide spectrum of individuals, including unsophisticated retirees with assets. In addition to $150 million or more lost in the hedge fund itself, the margin calls disclosed to date total more than $35 million but could add up to considerably more. More at https://www.optionsellerslawsuits.com/

ABOUT PEIFFER WOLF CARR & KANE

Peiffer Wolf Carr & Kane, APLC is a national law firm with offices in New York, New Orleans, Cleveland, San Francisco, Los Angeles, and Missouri. https://brokerwatch.com/axa/.

EDITOR’S NOTE: A streaming audio replay of this news event will be available as of 5 p.m. ET at www.brokerwatch.com/axa/upstate-ny.

Contacts

MEDIA CONTACT: Max Karlin, (703) 276-3255 or [email protected]

FREE Consultation | 585-310-5140

Peiffer Wolf Carr & Kane has helped thousands of investors who have suffered substantial losses. If you have Variable Annuities or Life Insurance Products in your investment portfolio, Contact Us by calling 585-310-5140 or by filling out an online Contact Form for a FREE Consultation.

from Investment Fraud Lawyers | Investor Loss Recovery https://securitieslitigators.com/pwck-law-firm-finra-arbitration-panel-awards-record-setting-3-million-to-rochester-area-egg-farming-family-victimized-by-convicted-axa-financial-advisor/

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primascriptura · 6 years ago

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SEC Share Class Initiative Returning More Than $125 Million to Investors

The Securities and Exchange Commission today announced settled charges against 79 investment advisers who will return more than $125 million to clients, with a substantial majority of the funds going to retail investors. The actions stem from the SEC’s Share Class Selection Disclosure Initiative, which the SEC’s Division of Enforcement announced in February 2018 in an effort to identify and promptly correct ongoing harm in the sale of mutual fund shares by investment advisers. The initiative incentivized investment advisers to self-report violations of the Advisers Act resulting from undisclosed conflicts of interest, promptly compensate investors, and review and correct fee disclosures. The orders issued today address advisers who directly or indirectly received 12b-1 fees for investments selected for their clients without adequate disclosure, including disclosures that were inconsistent with the advisers’ actual practices.

The SEC’s orders found that the investment advisers failed to adequately disclose conflicts of interest related to the sale of higher-cost mutual fund share classes when a lower-cost share class was available. Specifically, the SEC’s orders found that the settling investment advisers placed their clients in mutual fund share classes that charged 12b-1 fees – which are recurring fees deducted from the fund’s assets – when lower-cost share classes of the same fund were available to their clients without adequately disclosing that the higher cost share class would be selected. According to the SEC’s orders, the 12b-1 fees were routinely paid to the investment advisers in their capacity as brokers, to their broker-dealer affiliates, or to their personnel who were also registered representatives, creating a conflict of interest with their clients, as the investment advisers stood to benefit from the clients’ paying higher fees.

History of Share Class Selection-Related Violations of the Federal Securities Laws

Investment advisers, as fiduciaries, have an obligation to make full and fair disclosure to clients and prospective clients concerning their material conflicts of interest, including conflicts arising from financial incentives, and to act consistently with those disclosures. This principle is reflected in Form ADV, which reminds advisers of their general obligation to fully disclose material facts relating to their advisory business and specifically requires disclosure concerning the compensation and fees that advisers and their supervised persons receive, including from asset-based charges and service fees.

In light of these obligations, since at least 2013, the Commission has charged investment advisers with failing to disclose conflicts of interest and failing to implement reasonably designed policies and procedures relating to mutual fund share classes, in violation of the Investment Advisers Act. In those cases, the Commission generally required the investment advisers to pay disgorgement and penalties, and to distribute the funds to harmed clients. In 2016, the Commission’s Office of Compliance Inspections and Examinations issued a Risk Alert specifically addressing share class disclosure and cautioning investment advisers to examine their policies and procedures. FINRA has similarly addressed share class selection issues with brokers, imposing censures and fines on brokers that failed to provide adequate disclosures.

Division of Enforcement’s Share Class Selection Disclosure Initiative

In February 2018, the SEC’s Division of Enforcement announced the creation of the Share Class Selection Disclosure Initiative to address ongoing concerns that, despite the fiduciary duty imposed by the Advisers Act, an OCIE risk alert, Form ADV reminders, and numerous individual Commission enforcement actions, investment advisers were not adequately disclosing, or acting consistently with the disclosure regarding, conflicts of interest related to their mutual fund share class selection practices. These disclosure failures caused harm to investors, particularly retail investors, including being deprived of the ability to make informed investment decisions when purchasing higher-cost share classes. The initiative, which was managed by the Asset Management Unit, enabled investment advisory firms to avoid financial penalties if they timely self-reported undisclosed conflicts of interest, agreed to compensate harmed clients, and undertook to review and correct their relevant disclosure documents. To assist advisers evaluating their eligibility for the initiative, the Division of Enforcement issued answers to frequently asked questions, which provided detailed information about the eligibility of advisers to participate, calculation of disgorgement, and other aspects of the initiative.

The SEC staff is continuing to evaluate self-reports that were received from investment advisers prior to the initiative cut-off date.

Comments of Chairman Jay Clayton and Enforcement Co-Directors Stephanie Avakian and Steven Peikin

“The federal securities laws impose a fiduciary duty on investment advisers, which means they must act in their clients’ best interest,” said Stephanie Avakian, Co-Director of the SEC’s Division of Enforcement. “An adviser’s failure to disclose these types of financial conflicts of interest harms retail investors by unfairly exposing them to fees that chip away at the value of their investments.”

“The initiative leveraged the expertise of the agency in crafting an efficient approach to remedy a pervasive problem,” said Steven Peikin, Co-Director of the SEC’s Division of Enforcement. “Most of the advisory clients harmed by the disclosure practices were retail investors, and in just a year’s time, we made tremendous headway in putting money back into their hands while significantly improving the quality of firms’ disclosures.”

“Investment advisers play a vital and trusted role in our markets. They offer a wide array of products and services to our retail investors, ranging from one-time advice on a model investment portfolio to comprehensive planning combined with continuous investment advice and other services. Regardless of the scope and duration of the investment advisory services, investment advisers are fiduciaries and, as such, their duties of care and loyalty require them to disclose their conflicts of interest, including financial incentives,” said SEC Chairman Jay Clayton. “I am pleased that so many investment advisers chose to participate in this initiative and, more importantly, that their clients will be reimbursed. This initiative will have immediate and lasting benefits for Main Street investors, including through improved disclosure. Also, I am once again proud of our Division of Enforcement for their vigorous and effective pursuit of matters that substantially benefit our long-term, retail investors.”

Summary of Settlement Terms

The SEC’s orders found that the settling investment advisers violated Section 206(2) and, except with respect to state-registered only advisers, Section 207 of the Investment Advisers Act of 1940 by:

Failing to include adequate disclosure regarding the receipt of 12b-1 fees; and/or

Failing to adequately disclose additional compensation received for investing clients in a fund’s 12b-1 fee paying share class when a lower-cost share class was available for the same fund.

Without admitting or denying the findings, each of the settling investment advisers consented to cease-and-desist orders finding violations of Section 206(2) and, except with respect to state-registered only advisers, Section 207. The firms also agreed to a censure and to disgorge the improperly disclosed fees and distribute these monies with prejudgment interest to affected advisory clients. Each adviser has also undertaken to review and correct all relevant disclosure documents concerning mutual fund share class selection and 12b-1 fees and to evaluate whether existing clients should be moved to an available lower-cost share class and move clients, as necessary. Consistent with the terms of the initiative, the Commission has agreed not to impose penalties against the investment advisers.

The Share Class Selection Disclosure Initiative is being led by the Division of Enforcement’s Asset Management Unit under the direction of Dabney O’Riordan, AMU’s Chief, and is being coordinated by SEC Assistant Director Jason Burt, attorneys Ronnie Lasky and Brian Basinger, and industry expert John Farinacci. The settlements announced today were coordinated by SEC attorneys Stephen Donahue, Michael Adler, Robert Baker, Cynthia Baran, Michael Moran, William Donahue, Paul Montoya, David Benson, Anne Blazek, Emlee Hilliard-Smith, Michelle Munoz Durk, Andrew Shoenthal, Kara Washington, John Mulhern, Barbara Gunn, Frank Goodrich, Adam Aderton, Corey Schuster, Melissa Robertson, Jessica Neiterman, Donna Norman, Janene Smith, Ivonia Slade, Charles Davis, Max Polonsky, Kate Zoladz, Payam Danialypour, Adam Schneir, Al Tierney, Panayiota Bougiamas, Karen Willenken, Brendan McGlynn, Oreste McClung, Christine R. O’Neil, Jeremy Pendrey, Jessica Chan, Heather Marlow, and Ariana Torchin, and industry expert Dan Pines. The Division appreciates the substantial assistance provided by the Office of Compliance Inspections and Examinations, which has for years identified deficiencies on these issues; and the Division of Investment Management.

* * *

Firms Charged:

Ameritas Investment Corp.

AXA Advisors LLC

BB&T Securities LLC

Beacon Investment Management LLC

Benchmark Capital Advisors LLC

Benjamin F. Edwards & Co. Inc.

Blyth & Associates Inc.

BOK Financial Securities Inc.

Calton & Associates Inc.

Cambridge Investment Research Advisors Inc.

Cantella & Co. Inc.

Client One Securities LLC

Coastal Investment Advisors Inc.

Comerica Securities Inc.

Commonwealth Equity Services LLC

CUSO Financial Services LP

D.A. Davidson & Co.

Deutsche Bank Securities Inc.

EFG Asset Management (Americas) Corp.

Financial Management Strategies Inc.

First Citizens Asset Management Inc.

First Citizens Investor Services Inc.

First Kentucky Securities Corporation

First National Capital Markets Inc.

First Republic Investment Management Inc.

Hazlett, Burt & Watson Inc.

Hefren-Tillotson Inc.

Huntington Investment Company, The

Infinex Investments Inc.

Investacorp Advisory Services Inc.

Investmark Advisory Group LLC

Investment Research Corp.

J.J.B. Hilliard, W.L. Lyons LLC

Janney Montgomery Scott LLC

Kestra Advisory Services LLC

Kestra Private Wealth Services LLC

Kovack Advisors Inc.

L.M. Kohn & Company

LaSalle St. Investment Advisors LLC

Lockwood Advisors Inc.

LPL Financial LLC

M Holdings Securities Inc.

MIAI Inc.

National Asset Management Inc.

NBC Securities Inc.

Next Financial Group Inc.

Northeast Asset Management LLC

Oppenheimer & Co. Inc.

Oppenheimer Asset Management Inc.

Park Avenue Securities LLC

PlanMember Securities Corporation

Popular Securities LLC

Principal Securities Inc.

Private Portfolio Inc.

ProEquities Inc.

Provise Management Group LLC

Questar Asset Management Inc.

Raymond James Financial Services Advisors Inc.

Raymond Lawrence Lent (d/b/a The Putney Financial Group, Registered Investment Advisors)

RBC Capital Markets LLC

Robert W. Baird & Co. Incorporated

Ryan Financial Advisors Inc.

SA Stone Investment Advisors Inc.

Santander Securities LLC

Select Money Management Inc.

Silversage Advisors

Sorrento Pacific Financial LLC

Spire Wealth Management LLC

SSN Advisory Inc.

Stephens Inc.

Stifel, Nicolaus & Company Incorporated

Summit Financial Group Inc.

Syndicated Capital Inc.

TIAA-CREF Individual & Institutional Services LLC

Transamerica Financial Advisors Inc.

Trustcore Financial Services LLC

Wells Fargo Clearing Services LLC

Wells Fargo Advisors Financial Network LLC

Woodbury Financial Services Inc.

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maritimecyprus · 6 years ago

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(http://www.MaritimeCyprus.com) From finance and insurance to politics, dry bulk and oil, women are increasingly making their mark in an historically male-dominated shipping industry. We look at the impressive outcomes achieved by just 10 of these incredible women.

01 / Hu Xiaolian, the Export-Import Bank of China

FOR someone who spearheads pivotal loans as chief executive of the Export-Import Bank of China (Cexim), Hu Xiaolian deliberately avoids the spotlight. The Chinese policy bank had a $17bn portfolio at the end of 2017. This year, Navigation Maritime Bulgare ordered six 45,000 dwt dry bulkers in a $94m financing agreement with Cexim. Ms Hu graduated from the School of People’s Bank of China with an MA in economics. Previous to her current position, she worked as director of the State Administration of Foreign Exchange.

02 / Angeliki Frangou, Navios Group

FOLLOWING in her father’s footsteps down the maritime route, Angeliki Frangou became chief executive of Navios Group. After a stint on Wall Street, she raised $200m to buy Navios and bought her first ship, Fulvia. This year, Navios Maritime Holdings revealed a revenue of $390.4m for the previous nine months, with the third quarter 2018 contributing $141.5m. The Navios fleet size stands at 70 vessels, of which 36 are owned. Moody’s have bumped the company’s rating up from B3 to B2 due to better charter rates and a strengthening dry bulk market. Ms Frangou has stated Navios’ position on the hot topic of scrubbers, claiming it would install scrubbers if it is paid, yet remain “agnostic” on the subject generally. She has a degree in mechanical engineering from Fairleigh Dickinson University and a master’s degree in mechanical engineering from Columbia University, which has granted her expertise knowledge about her vessels. Ms Frangou is renowned as a charismatic character, with an interest in the opera and antique art.

03 / Violeta Bulc, European Commission

As EU transport commissioner, Violeta Bulc has been centre-stage this year due to the European Commission’s role in the future of shipping regulatory emissions, specifically monitoring and verification. The commission will be prioritising projects on CO2 emissions, fuel consumption and scrapping to ensure compliance in the industry. Ms Bulc and her colleague Miguel Arias Cañete supported the International Maritime Organization’s commitment to improve carbon performance by 40% in 2030. They hold the difficult position of gaining consensus for multiple parties and acting as a mediator to ensure the unified outcome of decarbonisation. Ms Bulc has experience across transport, telecommunications and politics, with her previous position of deputy prime minister responsible for strategic projects and cohesion for the government of Slovenia. She holds a computer science and informatics degree from the University of Ljubljana, Slovenia, as well as a Master’s in information technology at Golden Gate University.

04 / Kristin Holth, DNB

DURING her five years with DNB, Kristin Holth has spent more than a year as global head of ocean industries, slogging away in the demanding ship finance sector. With international experience in London, New York and Norway, Ms Holth has had vast exposure across the maritime financial sector. Despite a plummet in profits for the 2017 year-end, where the figure was equivalent to $2,32100, DNB revealed a third-quarter 2018 profit of $629,103, demonstrating a $16,157 increase on the corresponding quarter from 2017. Earlier in the year, DNB chose to move shipping and oil customer loans into a separate unit. Ms Holth described shipping and onshore as “capital-intensive and demanding”. Ms Holth studied international finance and received an MSc in business at the Norwegian School of Management.

05 / Birgitte Vartdal, Golden Ocean

BIRGITTE Vartdal plays a crucial role in the renowned dry bulk company Golden Ocean, owned by John Fredriksen. Being appointed as chief executive is challenging in this turbulent time, both economically and environmentally, yet success is indicated through 2018 profits increasing to $35m as freight rates recover. Golden Ocean demonstrated its compliance with the IMO’s low-sulphur regulations by announcing a retrofit of 20 capesizes with scrubber installations. It has 77 vessels in its fleet. Ms Vartdal has previously stated her reasons for joining the maritime industry were due to its global significance and opportunities. She encourages women to “say yes” when opportunities present themselves. She has a degree in physics and mathematics from the Norwegian University of Science and Technology, and an MSc in financial mathematics from Heriot-Watt University, Scotland.

06 / Carol Howle, BP Shipping

THIS February, Carol Howle became chief executive of BP Shipping in London. She manages the group’s business across upstream, downstream, integrated supply and alternative energy. Mrs Howle has been faced with a fleet renewal programme, as well as environmental regulations having a significant impact on demand for fuels. Third-quarter results displayed promising profits at $3.8bn due to projects delivered. She often speaks about career confidence for women at various maritime events. BP Shipping recently signed the Women in Maritime gender equality charter, alongside 40 other UK companies.

07 / Hélène Stanway, AXA XL

AS digital leader at AXA XL, Hélène Stanway has a core mission to identify emerging technologies that solve business problems. Ms Stanway is an advocate of how Artificial Intelligence, the Internet of Things and blockchain can improve the insurance industry and says technology can provide faster analysis than humans. She is described by a colleague as “on the constant watch for new trends and concepts” that facilitate new digital opportunities. Ms Stanway studied management science and French at Keele University, before attending the Chartered Insurance Institute.

08 / Helle Hammer, Cefor

SINCE 2007, Helle Hammer has headed up Cefor, the Marine Insurance Industry Association based in Norway. She has also represented the DNV Council, was part of Bureau Veritas’ stakeholder committees, Registro Italiano Navale and DNV GL in forums, and is a board member of the Norwegian Maritime Forum. Ms Hammer works as a political advisor for Norway’s main centre-right party (Høyre) and she chairs the political forum of the International Union of Marine Insurance. Cefor completes statistical analysis to release trends and reports to the market on claims, insured values and premiums. In 2018, it found frequency of total losses is at its lowest level since 1996 and hull claim trends remain at a low level. When Ms Hammer is not juggling politics and insurance, she enjoys skiing and golf.

09 / Despina Theodosiou, Tototheo Maritime and Wista

AS THE maritime industry is experiencing a paradigm shift in social change and attitudes towards diversity, Despina Theodosiou is right in the epicentre, driving these changes. As Tototheo Maritime joint chief executive and recent president for Women’s International Shipping and Trade Association (Wista), Ms Theodosiou has had a hectic year, pushing initiatives and vocalising diversity issues at conferences. This year, Wista was granted IMO consultative status and has increased membership of both individuals and associations. Ms Theodosiou strives to utilise more of the female talent pool in shipping to increase equal opportunities throughout shipping, creating a more inclusive industry.

10 / Lucy Clarke, JLT Specialty

JLT Specialty is merging with Marsh in a $5.5bn deal to create a leading commercial brokerage, Marsh-JLT Specialty. After 16 years with the company, Lucy Clarke, global chief executive since April, is now responsible for a variety of sectors including marine. JLT Specialty saw increased revenue of 3% to £713.5m ($915.5m) after the first six months of 2018, yet profits decreased 9% accordingly, due to the Global Transformation Programme. This programme is expected to deliver benefits of £40m by 2020. In April, there was a restructure dividing the group into three entities; reinsurance, specialty and employee benefits. Ms Clarke has 25 years’ experience within insurance, across multiple roles. She attended Vanderbilt University and obtained a BA in English and economics.

Source: Lloyds List

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Top 10 women in shipping 2018 #InternationalWomensDay (www.MaritimeCyprus.com) From finance and insurance to politics, dry bulk and oil, women are increasingly making their mark in an historically male-dominated shipping industry.

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martechadvisor-blog · 6 years ago

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Koble Hires Ogilvy and Facebook Veterans as Department Heads

Koble, a business-to-business matchmaking platform, appointed Jacqueline Chin as Head of Marketing, and Andrew Federici as Head of Products, to aid in its quest to make finding new business faster, easier and cheaper for small and medium-sized enterprises (SMEs) around the world.

As Head of Marketing, Chin will oversee all operational marketing activities. Specifically, she will focus on increasing engagement with existing users and driving acquisition of new customers. Chin will work out of Kuala Lumpur, Malaysia, a key market that Koble expanded into in September through its partnership with Celcom Axiata Bhd.

Chin joins Koble after working for nine years at Data Synergo Sdn Bhd, a provider of marketing services in Malaysia that she started herself. During her near-decade in growing the company, she worked closely with Fortune 500 technology companies on their demand generation and marketing activities. Chin has also worked at PriMetrica Asia Pacific (M) Sdn Bhd, OgilvyOne Sdn Bhd, and Marcus Evans (M) Sdn Bhd.

“Jacqueline’s experience in direct marketing and brand building for rapidly scaling companies, along with her market experience in Southeast Asia, makes her the perfect fit for the Koble team,” said Fabrice Saporito, Koble Founder & CEO. “Furthermore, her background in growing her own business makes her uniquely attuned to the problems SMEs face with building digital awareness and targeted leads. As she joins the team at Koble to solve these problems, we look forward to her insight and creativity in driving awareness of the Koble solution.”

Federici, an award-winning, internet pioneer, will serve as Koble’s Head of Products. Based in Palo Alto, California, he will be focused on expanding traffic growth for the Koble platform.

Federici most recently served as Head of Web Strategy for Facebook Business. In this position, he architected and launched a new business web presence for Facebook’s family of apps and services, including Facebook, Instagram, Messenger, WhatsApp, and Workplace. During his time at Facebook, there was a net increase in traffic from 15 percent to 70 percent across the integrated properties and significant increases in ad creation. Federici has also worked for Scoop.it, Hightail, Affinion Group, MTV Networks, IAC, AOL, and Sony Pictures Entertainment.

“Andrew comes to us from Facebook where he helped to drive usage of Facebook services by businesses interested in reaching billions of people on one of the world’s largest communities,” added Saporito. “Just as he helped businesses on Facebook connect with the people that will love their business, he'll help the businesses on Koble connect with other companies that will love their business. His specialties in product innovation, growth, monetization, and digital marketing will bring our platform to the next level.”

Chin attended Universiti Sains Malaysia, where she graduated with honors in management, and majored in marketing with a minor in mass communications. Federici graduated from the University of Maryland with an MBA in Marketing. He received a BA in English and Creative Writing from Haverford College.

Unlike existing professional networks designed solely for building personal brands, Koble combines the power of social networking with the intelligence of anonymous and AI-powered matchmaking to enable SMEs to focus on discovering, connecting and facilitating business deals with clients and buyers around the world.

The Koble platform is currently used by professionals working with GE, Oracle, Harley Davidson, AXA, Sprint, Carlsberg and thousands of SMEs seeking to do business globally. Join the Koble business community online at Koble.com, or through the Koble app available for free iTunes App Store and the Google Play Store.

This article was first appeared on MarTech Advisor

#martech #marketing #technology #business #cmo

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bloginstantmooncollector-blog · 6 years ago

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"Hayden Indiana Cheap car insurance quotes zip 47245

Hayden Indiana Cheap car insurance quotes zip 47245

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Hayden Indiana Cheap car insurance quotes zip 47245

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Everyone i find wants you to be over 21. Is there a company that give me temporary insurance? I am 18 years old Thanks

Should i have to pay for my moms car insurance?

Now i am 18 and just graduated high school and i still live with my mom. She says since i have a drivers license and i live in her house her car insurance goes up and because of it she wants me to pay her like $150 every few weeks or something. Now its her car and i dont see why im having to pay anything i never hear from other people or my friends about their parents car insurance going up and them having to pay anything. So do you guys think i should have to pay for my moms car insurance or is she just making that up to bum money off me cause shes cheap like that and always wants money from me.

Where can i find cheap Auto Insurance Providers in Missouri ?

B Average for Car insurance Discount?

Will I still get the B Average car insurance discount if I have a 84.86 Average?

Will my son be turned down for insurance?

I have an autistic son, and I have decided he needs better hospital insurance than what he has (I have regular health insurance, but his hospital coverage is not great). So I applied for extra hospital insurance. Aside from being pretty severely autistic, he's physically a pretty healthy kid, no major problems, no ongoing treatment. However, recently he needed to have a dental procedure, and they decided it was best that it be done in the hospital, and that he be fully knocked out. A few years back, he also needed to be knocked out for an MRI (he had a seizure, but none since). Anesthesia is expensive, and when he had the dental procedure, it maxed out the hospital coverage on my current plan and I got stuck with a $9000 bill. Hence, the decision for better hospital insurance. When applying for health insurance, they do 5 year medical records check, and those two things are going to come up. What's going to happen... Will I have higher premiums? will they refuse to cover anything they deem is caused by his autism? Or will they flat out reject him? Or will it not be a problem?""

How much would insurance be a month for a 1988 ford mustang gt for a 16 year old driver in ny?

hi i want a 1988 ford mustang gt 5.0 and i am 16 years old. i was wondering how much the insurance would cost a month. im in new york and plz no answers like alot or anything like that just an estimate. pl answer and thankyou

What are the cheapest car insurance companies in florida?

I live in geneva, but not too far from orlando. Could you give me a list of insurance companies to call? I had a 3 month suspicion for 18 points within 18 months. I called API express, they were who I had before and they were pretty cheap...I called them yesterday and they said since I had 20 points on my license, my down payment would be $551, and 6 payments of $416. They said they could only find one insurance company that would insure me...""

Reason for sudden increase in price on car insurance?

When I bought my car I started paying 1,400 a year on insurance, and the other day I got a letter through the post from my insurance company saying that I need to renew my car insurance since it was close expiring. They said that if I want to continue with the same company I need to now pay 2,000 a year for the same car. I can't seem to understand why there's such a vast increase from my last quote. I haven't had to make a claim and I can't think of anything that may have happened that could result in the price increase. Do insurance companies do this or could there have been something I may have done which has put the price up? Thanks in advance.""

How much will my insurance be?

im 21 never had an accident i have a scion fr-s and plan on getting a yamaha r6 next month and this summer im buying a wrecked supra for a project car once everythings fixed what will my insurance cost?

What if i bought a used car and didnt get insurance? ?

what would happen if i got into a wreck?

Does anyone know of some reallly cheap motorcycle insurance companies that you use?

Would my father's insurance go up if...?

If I were to buy a car under my name and insure it under my name, would my dad's insurance rates rise because I live at the same address?""

What is best single Premium Insurance Policy?

My father looking Good Return Single Priemium Insurance Policy and father age is 58.Please help me.

Cheap Car Insurance for a 17 Year old in the UK?

Im a male, i dont want no comparison sites as they are useless i can find sites that will give me good quotes, and please dont tell me to insure a 1.0 - 1.2 litre engine as i have figured out i can insure a 1.9 diesel engine for like 200 more. However i want to know if you know anymore than my current listen i have tried: Tesco llyods Tsb Direct line Virgin Vauxhall Citreon Peugoet If you know anymore can you please tell me thank you""

What is a private jet's insurance price? and maintenance costs? Averagely.?

For College I have to do a business plan. We are creating a fictive private jet renting company in Colombia but i can't find these informations. It is really important as i is part of our financial statements. Thank you very much.

Medical Insurance Question?!?

I'm 24, and I've been reading a lot of posts online about people who have many health ailments and do not have insurance to get treated or go to the ER then have a massive bill afterwards. I don't understand why these individuals are not hunting around for the cheapest medical insurance they can find prior. There are individual plans out there, directly through the insurance companies, also family plans. You can pick and choose your premiums/deductibles/co-pays, hunt around for what suits your needs best. The single plans especially, can be and most of the time are, affordable. I don't understand why people do not apply for basic health insurance that would cover them in an emergency, or for general routine health-care. Premiums can be as low as 60-100 a month for a single person. Please can someone explain to me why these people are not taking advantage of what is out there? Or even possibly applying for the government assistance plans if they're not employed, especially after an ER visit with no insurance? This is an honest question. Thanks""

Motorcycle insurance cost?

I am 17 years old and I live in CT. I am getting a street bike. How much would insurance cost a year/month?

Can insurance cost less on a motorcycle with a restriction kit ?

I want to know will insurance cost less on a 600 bike if you put a restriction kit on it. Also will it make a 600 a good first bike to start on. I know some motorcycle licenses have 33 HP limits and people still can get 600's and put restriction kits on them to keep the power down to make them good first bikes.

Who's a good health insurance provider?

I was looking to get some health insurance soon outside of my job. What insurance company has something affordable for someone like me? 24 year old male no health problems non smoker.

Is insurance for a salvage car cheaper?

I am looking to get a 03 Mitsubishi Evo with a salvage title. I am just wondering what it would do to my insurance? Will it be cheaper than if the car had a clean title?

Is it true that black cars have higher insurance rates?

There's a truck that I'm interested in getting and I want to get it in black but I was told that I shouldn't get a car in black, because the auto insurance is higher. Is this true or is this just an urban myth?""

Insurance Q's Renewal Price ?

I was getting a quote today for next years insurance, but theres a question wanting to know about the renewal price of my last insurance. Will the answer to this effect my premium?, i don't know my renewal price yet so i've just gone and guessed it for the moment. I was hoping that giving an estimate isn't going to cause any problems. Or, will they need too know my exact renewal offer and then check it? Its the best quote i've been given of 1280 Full comp for a 1.0ltr corsa lol. I wouldn't of asked but i couldn't find online if your previous insurers renewal price affects your next insurers premium. Thanks.""

Which insurance company is the cheapest?

i live in ontario canada and i wanna know which company has the cheapest insurance. my insurance expires this month? please help........................

""I am a legal alien about to stay in an American residence, do i need to be on the car insurance?""

I am about to study abroad in America and live with an American in her house. Do I need to be on her car insurance even though I will not be driving the car, and do not have an American driving license?""

Blue lake insurance address?

I need the addres to blue lake insurance or at least a direct telephone # to the address. The address used to be: 605 Coolidge Dr. ste 210 Folsom, CA 95630-4211 but they changed address and according to the mail they do not have a forwarding address. Does anyone have this insurance with the correct address and phone number?""

Hayden Indiana Cheap car insurance quotes zip 47245

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optimisticpoetrypost-blog · 6 years ago

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How to get under someone else’s insurance policy?

"How to get under someone else's insurance policy?

I'm 22 so my insurance is double the price of my dad's. I want to get on his policy or have him on mine so that my insurance can be cheaper. Does he have to be part owner of my car? Do we have to use the same company?

BEST ANSWER: Try this site where you can compare quotes: : http://financeandcreditsolution.xyz/index.html?src=tumblr

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Good place to buy car insurance for an 18 year old?

I'm 18 and just recently passed my driving test. Problem is, my Dad wants to put me down as a second driver on his car but it's a BMW sport with a 2L engine. The cheapest quote I could find is 4,500 annually, which my Dad is not prepared to pay of course. Some companies were even asking for 40,000 which is just a joke! I have been driving this car for over a year and now that I finally have my license, I'm pretty annoyed that I'm not able to drive the car that's just sitting outside. Anyone know any other routes I could take? Weekly car insurance? Monthly? Ideally I'd like to have a quotes of less than 1600 annually, but now it seems unlikely. Buying another car is not an option as I'm going to Uni in a couple of months and will not be needing it anymore. Any suggestions would be helpful, thanks.""

I want to file a complaint about two health insurances.?

I went on the Internet to try to get health insurance, this company called alliance for affordable service called me and told me that my percriptions would only cost in the neigbor hood of $10- to &50 dollars. I spoke to my Dr. and he told me that there was none of my medicines that he could change to the lower prices. I contacked the company and told them what the Dr. told me. I asked for my money back, they told me to send a letter, which I did. They sent me one back aqnd told me that they would not give me my money back. I dropped the insurance. I contacked another insurance on the internet. They called me. I sepicifity asked if they covered preexisting conditions and he asked did I mean, I told he that the Dr. wanted to do surgery on me left foot. He told me that it would cover any preexisting preplanned surgeries. The Dr. office called them and they told her that they would not cover any suegery inpatient or out. This company was Sure Care.""

What is the cheapest car insurance in Minnesota?

I am a new driver, but I am 21 years old and my car is an old model ( Geo metro 1997)""

""Pizza delivery driver insurance in own car, where can I get insurance uk?

I have been offered a job as a pizza delIvery driver but I need to insure my car with business insurance I have tried everywhere but know one does it please Help x

Will i have to buy individual health insurance starting 2014?

I have a job I am paying Medicare tax. Is it still mandatory for me to buy individual health insurance starting 2014?

Can a financial advisor from AXA sell you New York life insurance?

I'd like to know if a financial advisor that works for AXA Advisors offer clients New York Life insurance products. Thanks in advance! I'm in CA by the way.

How much would my Car insurance cost?

Im 16 years old, i have my class 5 liscense, and i have completed a drivers ed course that supports safer driving. I want to buy a 1999 Acura integra, it doesnt have a vtec engine, and everything is pretty much stock, except sound system and rims. how much would i pay for insurance monthly?""

Hit and Run Insurance Claim: How do you go about it?

I have case # from the police. Will the Insurance company send someone to check the car or should I have to get them quotes?

""Car Insurance: I currently have a 2001 Red Mustang V6, but will be purchasing a 2003 Blue Jeep Liberty V6..?""

.. should I expect a major increase/decrease in my car insurance payment? I'm 18, but under my parents plan. I'm selling the Mustang if anyone is interested and lives in middle Tennessee.""

Explain which is better to invest in insurance or mutual funds?

How much can I expect to receive in my auto accident settlement?

I was t-boned by an illegal mexican (in Phoenix, AZ, who'd have thought, right?) who was going 50 mph on my side of the car. There was 5K is damage to the car. Fortunately, I did not have any broken bones but the doctors STILL can't get my bones into correct position. I have been going to therapy for 4 going on 5 months. I am still attending therapy. I probably will do 6 months total in therapy. I am suing my own insurance company with Phillips & Associates. Can anyone tell me what would be reasonable amount to expect?""

""What company do you recommend for renters' insurance and why? Not state farm, they are pricks. Testimonials?

I need some affordable renters insurance. I live in MO and REFUSE to give those pricks at State Farm another dime. Who do y'all like for price and custoer service???

Rental car insurance?

I am going on vacation, and I need to rent a car to drive. I have insurance through state farm, but dont have full coverage. If I am renting, I would like to have full coverage on the rental car, BUT the insurance from enterprise is WAY TOO expensive. I will end up doubling the price for the week. Does anyone know of any other ways to get insurance for a rental car without going through the rental car agency? I keep hearing about something called Unlimited Non-Owned Car Coverage, but I dont think state farm has that because I dont see it on their website. Any suggestions would be a great help.""

How much is full coverage insurance for 21yr old?

i have 2005 black chevy cavalier ... i'm 21 yrs old ... i own the car, but i'm under my parents' insurance right now. i hear that when you own your own car & get your own insurance you have to get full coverage insurance....so if i get full coverage, about how much a month would it be? i have had no accidents, no tickets..my record is completely clean. i've had my car since nov.2004 , i'm the 1st/only owner.no co-signers, i bought the car brand new.(if thats even important) also, what insurance companies do you recommend?""

Good car and renters insurance companies?

I'm in the process of getting a car and plan on moving to the Berlin area of New Hampshire this summer so i'm looking for a car insurance company that also offers renters insurance so that, when i move, i can bundle the two and try and get a bit of a discount. I'm just wondering if anyone knows any good companies (hoping to stay reasonably priced but it's my first car and i'm a newer driver) with offices in the Berlin area and offices in the Cape Ann area of Mass (where I am currently) that offer a car and renters bundle and have treated treated you well. I'd prefer fist hand opinions and experiences with companies.""

What is the initial cost and monthly cost would it be for an auto and home insurance policy?

The vehicle is a 2006 Ford Explorer XL and the square footage of the home is 22,548""

""I crashed my car, and Got a DUI. Will my insurance pay for repairs?""

I crashed my car into a tree, and got an OWI (more commonly known as a DUI in most states) My insurance (USAA) will request a police report, i know that much. But I want to know if they are obligated to pay for repairs, regardless of the circumstances? Yes, i know my rates are going up. Yes, I know about SR22. \thanks""

Do auto insurance companies have to look at your driving record?

I have never had a vilolation. My husband has. He had one in 2006 for running a red light and one in 2008 for driving too fast for conditions. Well naturally this has given me higher payments. I was with Liberty Mutual and for liability only (my car isn't worth full coverage) I was paying $124 a month. My husbands pay was cut drastically at work so I was shopping around for cheaper insurance. I called Geico and they offered me liability for $55 a month. She came on and asked if I knew he had two tickets and at the time I didn't because I didn't know my husband in 2006. The lady told me my payments were going to be $144 with them and when I told her no she put me on hold. When she returned she offered me the $55. She read back to me everything I am getting which is a lot more than what I was getting from Liberty Mutual for a lot less price. Is it possible they just dissmissed the report to gain us as customers? I was cooking dinner at the time and my kids started playing loud so all I really heard was cha ching lol.

""Why am I getting quoted 11,000 for 1.0L third party only car insurance?""

I am 17 years old (male) and have just passed my driving test. I was supposed to purchase a 2010 Citroen C1 5 door with a 1.0L engine today but had a look at the insurance first. This tiny, under powered pathetic excuse of a car is probably the most insurance friendly car I could think of yet on all the car insurance sites like go compare and confused the lowest quotes were 11,000. What am I doing wrong? I have been able to choose all the best stuff like locked in a garage at night, the highest excess, low annual mileage etc There is nothing in my details that would be counter productive for a low insurance quote. This is only third party as well, if I was to have a bump my car wouldn't even be covered! I need to be driving by christmas, I don't even care that much about what car I have to drive (hence the C1) as long as it isn't too old. Just anything that I will get a realistic quote on. Any advice? Maybe I am doing something wrong here. Thanks!""

WHo LOVES Mercury Auto insurance and the alien commercials? lol Whats your favorite commercial?

Mercury Insurance rates are soo low that they are run by Aliens from the planet mercury lol This model simulation represents the facility and their landing site lol How about the Comcast Commercials? lol I was super high one time and saw the Turtles and was hellaaa freaked out lol.

Health Insurance Costs?

Our health insurance premium is nearing $14000./year. My husband is a retired school teacher, and paints houses to make this premium. Pretty soon the cost is going to exceed the amount he is able to collect in Social Security - How about getting these companies to lower these premium. Seems like those on welfare have better insurance than those on private pay""

Car insurance?

what company is the best to get car insurance from? I want to fill out the progressive direct (as they show you online) but I am nervous about my credit score going down. Help.

Who has the best car insurance rates in New Jersey?

South Jersey Resident. 26 year old male with a clean driving record.

Accident Advice - Car without insurance?

My friend was driving her car on a busy highway, minding her own business. Suddenly a large SUV hits her rear quarter and pushes her off the road, down a hill, and into a ditch. Apparently, and there were about 10 witnesses to the situation, the driver who hit her was involved in some sort of road-rage war for about 5 miles, ending when she hit my friend's car. My friend is ok, but her insurance had expired on her car. The police didn't ask for her insurance that day. She learned a lesson and has since payed up online, so the insurance co doesn't know about the accident. Both of the drivers involved in the road rage were charged with reckless driving, and one of them even got arrested. Our question is this: she has $1400 in damage to her vehicle. She is willing to pay what she needs to pay to get her car out, just to avoid getting in trouble for driving without insurance. Are there any other options for her?""

Cracked windshield - should I make an insurance claim?

My windshield needs to be replaced due to a crack about 18 long. (from a stone that got kicked up by another vehicle on the highway). It will cost about $325 - $350 for a new windshield. The windshield installing companies say they can get Geico to pay for it. Might be true. I have comprehensive, but my deductible is $500. I just need to know if they will pay for it, and if it will cause them to decide to raise my rates, as I have made a claim.""

How to get under someone else's insurance policy?

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I am 20 years old. Looking at a 2 door coupe Pontiac GT. Never been in an accident, never had a ticket. Was wondering what the insurance is roughly going to cost me a month? I have All State. My dad doesn't want to call them because we just called them yesterday about another car, and we don't have the vin number. Thanks! Oh! It has power locks, a spoiler, and a sunroof too! As well as a single disc CD player.""

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Our new health care legislation is supposed to provide affordable health care and insurance for everyone. How exactly does that work? For example, I make about $37,000 a year. About $3200 of that goes to pay my insurance premiums. That's not really affordable, but, whatever. My job absolutely sucks. It's the worst one I've ever had. If I went to work at McDonald's or Wal-Mart, where would my affordable health care come from? Who decides how much I can afford to spend? No politician is going to be able to figure out how an ordinary American lives and what they can afford. I know this sounds like angry, bitter ranting, but it's a serious question. How does this work, if it actually does?""

How to get a cheap car insurance for young driver?

I have a son who is a teenager. I have a car who I was sharing it with my son but now he bought his own car. He ask me to get a caheper insurance that he can affored but Ive been looking but all of them seem to be above what he is willing to pay, I could help him pay but even its not enough. It there any insurace that cover for cheap or what should I do?""

Who is the cheapest car insurance in NC?

I am with nationwide, but want to change, I have a car and an suv with full coverage and renters insurance, bundled thur them, I am trying to see who is the out there that is lower in cost, my mom likes Gieco, but I see all the ads about progressive......who do you think?""

How much is auto insurance in China for an American?

I'm studying in China for about 18 months. I want to buy a car there and drive it. I've already figured out the licensing stuff, no big deal, but how much/how do I get car insurance in China?""

Insurance for international trip?

I purchased an international airline ticket. In case anything happens I am thinking to buy a travel insurance to protect me from canceling the trip. Is there reliable insurance company have this service with a reasonable price? Appreciate your valuable information. Lucy

Does a written warning affect your driver's insurance in Massachusetts?

I just got a written warning tonight in MA. I have a couple of questions, does it affect my insurance (I heard that it does not increase my insurance, but my insurance company is notified and my rates for next year will not decrease, is that true?). Also, how long does it stay on record? Much Thanks!""

My younger borother owns a moped how much would it cost for me to be put on his insurance?

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I just got into a car accident and whats going to happen if i dont have insurance for that car?

Okay so on Monday, I was parked on one side of the street and because of street cleaning I uturned across the street into two other cars that were parked and some lady backed up trying to park in thee space that i was in. she did not look back i guess. It's clearly her fault but the thing is that that car does not have insurance. My other 3 cars are insured just that one is not because my brother gave it to me to sell. I am wondering what is going to happen because she reported to insurance. Wiill i get in trouble? ( I'm under 18) Do i get money from her insurance company? Will I have to pay for her damages even though it was 100% her fault? and what do i do now? Her insurance agent called me but i called back and cannot get a hold of her. Thanks for the help""

Where can I Find Reliable Cheap Life Insurance Quotes?

I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy. There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services? Also, are there any good tips for saving money buying life insurance for small business owners?""

How much is the insurance on 50cc scooter for a 16 year old?

Please could you tell me the amount for full comp, cheers""

What is the best website to reseach and compare auto insurance quotes?

What is a good website to use when researching auto insurance. One where I can get numerous rates from various insurers and compare them with each other?

Can i survive without auto insurance?

I'm 16 and a half. I live in California. I got my drivers license yesterday. My dad has farmers insurance. Adding me to his plan will double his monthly bill. I am a VERY good driver, i live in a small city, and i never go on the freeway. Is it alright if i drive without adding myself to his insurance plan? i don't think $200/month is necessary. Also, it is not legal to drive in California without financial coverage so if i get pulled over, will i get into trouble?(the car's covered so im partially covered rite?). Thank you""

Your opinion of my car insurance?

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Where can i get individual health insurance for me and my daughter that also covers pregnancy in connecticut?

I need to get health insurance for me and my 1 year old daughter. I am planning on becoming, or possibly already am pregnant but need insurance for us. Any help? This is in CT, so it is a state that does not require individual policies to cover pregnancy.""

Car insurance recommendations?

hi im 16 and trying very hard to get emancipated i havent told my mom yet though because it seems like a great idea not to get kicked out first, but anyways i have locked in a steady job at a clothing store but i am only working part time for now. What would your recommendation be for cheap car insurance i have no idea where to even start but if i can get cheap insurance than i will be able to spend more on an appartment or trailer. plz give me your recommendations and any advice on how to accomplish my goal. and please no bad comments i just want advice.""

Average cost of dune buggy insurance- just answer... I don't want websites to go to?

Car insurance for age 17?

Well going sound awkward but i want a car without out parents knowing, been working for 2 years got enough money can prove to insurers where i got the money from im 17 and is it possible to get insurance at my address (real address where i auctally live) but i want the paperworks to be sent to another address or they contact me by email because family wants me to get a car when im 25 however im going uni so i really need a car also im not going to any fraud everything will be legit just need to make sure if i can insurance and only i know about it thanks""

How to renew two wheeler insurance ? Can I purchase some other insurance ?

Hi All, I have two wheeler (TVS wego), and when I purchased it I had United India Insurance which is expired, I want to renew it. How do I renew it or can I buy some other insurance as other can be purchased online ? Is it acceptable by RTO ?""

Dallas cheapest auto insurances?

I just moved to Dallas and looking for a good auto insurance. Thanks

Who should a check out for a decent Motorcycle insurance quote?

I have called around. And I k ow they are expensive to insure, but I have got some ridiculous quotes so far for my 08' hayabusa. Anyone have any ideas?""

Does your car insurance go up if you get a parking ticket?

I was just being dumb today and I parked in a neighborhood where you can't park. I accept the fact that I was in the wrong and all that. The fine is $80. What I'm most concerned with is whether or not it will increase my car insurance rate. My first thought was no, because it was a parking violation, not a driving violation. But considering how crazy car insurance companies are, I just am not sure. Any help? Thanks in advance.""

""How much will my car insurance go up for 3,475 worth of damage?""

there were no other cars involved and no police report. i am still a dependent on my father's insurance- 23 year old female, however. i have a deductable- just wondering if I am goign to suffer from this...since I am switiching to my own insurance directly after my car gets fixed.""

How to get under someone else's insurance policy?

""Should I wait until after I turn 25 next month to buy a car, since insurance will be cheaper?""

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What is the purpose of insurance?

Why did my health insurance raise 85%?

I work for a school and our healthcare company, Cigna, raised the rates from $20 a month last year, to $130 a month this year! And a family plan through Cigna (which I had hoped to use one day) will cost more than $700 a month!! What?? The best part is, the insurance covers less than last year and has higher copays for everything ($150 for an urgent care visit as opposed to $50 previously). Can anybody explain why this is happening? I'm all for healthcare reform... Companies shouldn't be able to take advantage of hard working citizens, those less fortunate should have access to affordable healthcare, etc. But why this EXTREME hike in price for me? Please keep you anti-Affordable Health Care comments to yourself. I'm looking for a real reason why I'm seeing this huge hike. It seems like it will be cheaper if I sign up for healthcare on Healthcare.gov at this point...Pretty absurd.""

Need SR22 insurance quotes?

I'd like to have an idea of the total fees for SR22 car insurance. If I can get a price range that would be great! thanks.

Aussie car insurance?

who are the cheapest car insurance company for aussie p platers also.. are there any companies that offer reduced term cover.. id like 6 months insurance so i can take up a years insurance once thats finished to break up insurance and rego

About how much is Valet parking insurance in FL?

garage liability insurance

What is the cheapest car insurance in Ohio?

Motorcycle insurance for 16 year old?

Just wondering, how much would motorcycle insurance be monthly for a 16 year old, living in NY, say with a 500-600 cc engine bike?""

Car Insurance?

I wanted to know how much would it cost for a 16 year old teen to get car insurance just to cover damages to someone elses car they damaged would it cost alot or not?

Cheapest auto insurance company?

Currently have Geico. paying close to 2k / year for auto insurance (full cover). Can anyone recommend a cheaper insurance company? I have 13 years of driving experience with clean record (not a single traffic violation or speeding ticket)

What happens when you get a ticket for no car insurance and you have no car insurance?

My boyfriend was recently pulled over and he has a court date for next month, he was pulled over for speeding and for no insurance and he has no car insurance, what will happen?""

In california does a 16 year old new driver have to be personally insured to drive their parents car?

My sister lives in san jose and she was told by her parents that to drive one of their cars she has to pay for her own insurance. Is this true???

How much would the car insurance for a Dodge Challenger 392 STR8 be?

Considering that it's for a 20 year old with two other adults included in the insurance plan of State Farm *If you have any information please help, this is for a Driver's Education project""

Can California Civil Code 827 be used to enforce mandatory renters insurance?

Recently my landlord sent tenants a letter stating we have to buy renter's insurance, stating that California Civil Code 827 allows them to do this. Looking it up, I see 827 is about rent increased, not renter's insurance (and nothing about anything being mandatory). When I signed the lease with them, I was not required to pay for renter's insurance, but they claim that terms have changed and now I am obligated to pay this, and if I don't, may destroy my credit. All because of Civil Code 827. Can they actually do this? Or is this letter some kind of tactic to coerce me into signing this document and providing insurance? Thanks!""

How much would I pay for car insurance.?

I am 17 and a half year old; about to turn 18 in less than a month. Ive achieved my high school diploma. My parents are adding me to their car insurance and theyve been driving for more than 30 years. Non of them have received any tickets or have cause in accident. Clean record . we live in London Ontario and we drive 2 cars. a 2003 Dodge Grand caravan and a 2003 Chevrolet Malibu please help me

Do U think it's fair women's insurance is cheaper because they have an 'innie' and men have an 'outie'?

I see just as many women being careless drivers as men. Why should their sex organs have anything to do with car insurance?

How much does car insurance for minors cost?

I live in Victorville, California and I'm 16 years old. What is the average price for car insurance in my area and for my age?""

Collector car insurance for teens?

My dad has a 68, 71 firebird and a 2000 trans am. He currently has them on Hagerty but im 17 so i can't drive them. What is an collector car insurance company that he will be able to insure all of these vehicles with and I will be able to drive them?""

Female car insurance companies?

does any1 know any good cheap female car insurers?

Which car insurance company offers the cheapest price for a teenager??

What to do when switching car insurance?

I am planning on switching car insurance providers b/c: 1.) My car got stolen 01/25/2013 and I only had liability coverage (car was a 1996 Nissan Maxima) 2.) I was hit in October 2012 and it was not my fault and received settlement money b/c my car was deemed a total loss 3.) With that money I put a down payment on a used car this past weekend b/c now I truly had no car 4.) I now need full coverage to my current policy and replace the old car with the newer one but the 6-month premium is too high. While shopping around for car insurance, I found an auto quote that was A LOT more affordable than if I were to stick with my current insurance. With that being said, I had a lot of questions. I got into a car accident in May 2012 and it was my fault. No one was hurt and no air bags deployed. My insurance paid the damages. Now, if I cancel my policy with them, does that mean that I have to pay the insurance company back the money for the damages they covered to the other car? My other question is how much information do I disclose when applying for a new auto policy? I have of course included the at-fault accident in May and I also included the accident that was not my fault. Before these 2 accidents, I had one just one that was in a parking lot. The other driver and I were deemed both at fault, 50/50. Damage to his car was around $700. That was 3 years ago. The insurance company I was looking into said online to include accidents that were at least 51% your fault and accidents that weren't your fault too. Do I include this accident too even tho it was 50/50? My last question is about speeding and points. I my first speeding ticket in June 2012. I got a reduced fine and went to traffic school so it wouldn't show up and get a point. Once again, while looking at auto quotes, they asked if I had a moving violation which includes speeding. Because I went to traffic school and everything, do I tell them about that too? Despite the bad luck I've had this past year with my driving record, I only have one point. The 50/50 accident will be off because it's the 3rd year. I live in CA and got this info from the DMV website: The length of time depends on the severity of the offense. Most points (illegal turn, not making a complete stop, driving over the speed limit, etc.) and/or accidents will stay on your driver record for 36 months (3 years). I've included the link: http://www.dmv.ca.gov/teenweb/more_btn6/points/points.htm Any advice and suggestions is greatly appreciated! Thanks!""

How can i get auto insurance? Complicated story.?

Homeowner's insurance?

if you own a duplex and reside in one half and rent the other half, is the homeowner's insurance only for the rental part or both?""

Does all the insurance companies offer a car while your is not working?

I recently was involve in a car accident and I need the car I have Mercury insurance do they paid fro a rental car?

I live in CA and want to know How much $$$ to pay for insurance if i get a sports car?

I am getting my permit in 2 months and i am getting the Toyota MR2 Spyder. How much do i have to pay for the insurance? i heard that it costs more because its a sports car.

How to get under someone else's insurance policy?

Are there any insurance companies that will cover Suboxone?

My girlfriend takes Suboxone strips twice a day and the Suboxone cost was covered by a program she was in. That program recently expired and we are trying to find out which insurance companies would cover the drug because she simply can't afford to buy the strips out of pocket. She only makes about $200-$250 a week so we were trying to find a low income solution. Are there any companies that we could potentially look into? AETNA is one that we are considering but we wanted to see what options were out there.

What car is cheapest to insure?

I'm looking for a cheap car what is kinda cheap to insure kinda in the insurance group 1 i'm looking to spend about 700-1000

""What is the punishment for a second offence of driving without insurance ,within a one year period?""

What is the punishment for a second offence of driving without insurance ,within a one year period?""

Would my insurance rates go up if i switched banks?

I have USAA and we have our home insurance and both car insurance loans, checking and savings through them, but we want to switch just our checking and savings to a different bank, would that effect our insurance rates?""

Is it possible transfer the auto insurance?

I would like to buy a old car and is it possible to transfer the excisting insurance to my name,I am living in MA USA""

Insurance for a teenager?

I just got my license but my parents dont want to put my name under insurance because they dont want their insurance price to go up. I recently heard from a friend that you can put your name under your parents insurance and say you're only using the car 10% of the time and they dont raise your insurance? Is this true? If not, what can i do to not increase the insurance price for my parents. I really want to drive their car.""

First car + First insurance policy tips?

Alright Y!A? :) Right, so I'm 17 and I'll probably be doing my driving test pretty soon because I'm far into lessons and I've passed my theory test already. (UK - Northern Ireland, Belfast) I'm just wondering what tips you guys out there have maybe from first hand experience or what your friends, siblings or general family have done etc. I'm getting around 3200 in the June when I turned 18 because of a car crash I was in when I was like 9 so I'm hoping to get a car + a year's insurance for around 2500 at the maximum. (Hopefully) I'll probably get a car of a maximum price of about 1000 because in reality I don't need anything fancier than that, the max engine size I'd consider would probably be 1.2 and I'd want my insurance to be such that I can use the car for work such as delivering pizzas or chineses etc. so I have more options trying to find a job atm. I'm just wondering what tips you people have? Could I realistically get insurance for 1500 (Max) or under on a 1000 (Max) car with a 1.2 (Max) Litre engine? I might have to borrow money off my parents and pay them back when I'm 18 if I pass a good few months before my birthday. I'm not coming here telling you to tell me where to get cheap car insurance, I hate questions like that lol cheap car insurance doesn't exist for 17 year olds because we're all boy racers Bla-bla-bla, it's head melting! I just want to use my car to drive to college (5 minute drive), possibly work in depending on if I get a job at this bar or not and drive to peoples' houses if I need to and other general driving. I'm not just going to drive it for the craic at 3am down the motorway doing 100mph, I couldn't be bothered with all that. All I want is tips to get it as cheap as humanly possible like what I should do about named drivers, voluntary excess and anything else that might drive down the price. When it comes to it I'll ring round every insurance company available to insure people in Northern Ireland and haggle them all quoting them against each other and hope for the best. Please don't tell me specific insurance companies to go for unless you know that they definitely include NI, a lot of them exclude us. P.S. I'm a sensible guy, I'm paying for it all by myself (as far as I'm aware) so spare me the irresponsible, kid, joy rider, inexperienced, spoilt comments that so often creep up in these areas. Thanks! :)""

Why has the cost of Car insurance suddenly shot up?

Got my renewal quote today, car insurance has risen by over 250 extra, I phoned around and the companies are saying that the quotes have just gone up without explanation. Is this just sheer exploitation and profiteering?, in this time of recession how can they seriously do this and ask for such things hand over fist.? Rip of Britain indeed. Is there an insurance regulator people can go to to get an opinion on it?""

Do I need insurance to drive anothers' car?

Someone is telling me that I cannot drive another persons car unless I have insurance. I do not own a car, but I do have a driver's license so what insurance am I suppose to have? or are they just pulling my leg?. And yes I am waaay over 21.""

Car Insurance Single Vehicle Wreck?

Well, I'm am a 17 soon to be 18 year old male driver who had his first wreck today. A truck decided to come into my lane I braked and swerved to avoid went into the grass over ...show more""

Business Liability Insurance?

Does anyone know of a company that offers business liabilty insurance for about $8-12 a month?

I'm getting quote 3000-5000 for insurance on a 1.4 Cityrover Solo ?!?

Shalom! I tried different cars with bottom insurance groups too, it's not going lower then 3k. Thats ridiculuous, anybody out there thats 19yrs old too and getting a better deal and HOW? Tried all comparison websites, direct co-op tesco everything!!! What can I do?! PLEASE advise. Thanks in advance.""

Can I put my boyfriend of 3 years on my health insurance (provided by employer) in the state of Florida?

I work for a great company that provides health & dental insurance from the very first time you start the job. My boyfriend of three years that I live with, does not have any ...show more""

What is the right affordable car insurance to purchase in NEW JERSEY?

Hi, I was looking to buy a car insurance policy. I currently have a company but wanted to drop them due to being overpriced. The only problem is that i don't have a driver license nor have i ever had one. I was able to finance a car off the lot but it wasn't for me. I brought it for my grandson. He has a driver license and is the only primary driver of the car. Being as though I never had a license most companies won't accept it and limits me from getting a cheaper policy. He is about to turn 18 next week. So is there any car insurance companies that will accept that i don't have a license and let me get a policy with him being the primary driver of the car. Thanks!!""

Can i drive a van on a car insurance policy?

can i drive a van on a car insurance . or is up to the insurance underwriters my friend had he s van seized by the police be cos it cam up as having no insurance on the M I B database aa he wos using he s car insurance to drive the van on the highway . or is it up to the insurance company if there allow you to drive a van on a car insurance policy. that is not for the van you are using at the time ?

Cheapest Scooter Insurance for 16 year old?

I just turned 16 and want to get a scooter The actual license and scooter isnt too expensive 50 for provisional, 89 for CBT, bout 20 for the thory and 60 for practical However, insurance is a pain!! :/ does anyone know who the cheapest insurer is for a 16 year old? I would love to be able to drive on the scooter but insurance is too much. Also, what is the best scooter to get. By best i mean a scooter which has the cheapest insurance? THanks a lot!!""

Car insurance Question?

I was driving my friends car. I hit someone. It was my fault. My friend has insurance but I dont know what kind of coverage. I was driving her car because she needed to borrow my truck. If her insurance doesnt cover her damage should I help her pay for it even though I was doing her a favor by borrowing my truck?

2003 Mustang GT insurance cost?

I am looking at a 2003 Mustang GT with 93k miles on it. I am a 16 year old boy and we are looking to add this to my parent's current policy. I have good grades, we will have multiple cars and home insurance with the same company. Any idea on an approximate cost per month for insurance on this car?""

How much would insurance be on a corvette?

I'm looking at corvettes in the 1998-2003 range, about 100,000 miles on it. I will be 18 when I buy it and I'm hoping I keep my perfect driving record. If it's affordable ...show more""

Affordable Dental Insurance? Can it be true?

I recently lost my job. I would like a separate dental insurance plan besides my basic health insurance. I wonder if anyone else is feeling the pain like me. Any suggestions?

Do you have health insurance?

if so, how much is it per month? how old are you? what kind of deducatbale do you have? feel free to answer also if you do not have insurance? also, do you support obamacare?""

""Online resources, I need car insurance, but have a terrible driving record right now. Any suggestions?""

How can I get coverage at a decent rate when I have a crappy driving record?? Ive called about 4 different companies, the lowest rate i found was $209 a month for 6 months. I have 7 points on my record currently!! I cannot get insurance through my parents and i am not married so basically I'm screwed...or I should look into paying a driver to cart my butt around.""

Can I cancel my car insurance?

I took out car insurance with Direct Line in July paying in monthly instalment by direct debit. I am now getting rid of my car so want to cancel. Will there be a cancellation fee? Will they make me pay what is left for the year?

How to get health insurance?

how does a student (college) go about getting health insurance? i used to be on my sisters insurance but she is currently not working there anymore and has lost her insurance, therefore am not covered anymore. How do i get health insurance?? thanks""

Average rate of malpractice insurance for nurses?

So I want to be a nurse and I was wondering how much it costs. And do most nurses have it or not? Also I live in TX and will be a nurse here so any info will be appreciated thanks :)

How to get under someone else's insurance policy?

https://www.linkedin.com/pulse/carville-louisiana-cheap-car-insurance-quotes-zip-70721-ellen-edwards/"

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unnotantei · 7 years ago

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11 new jobs in Batam

IndeedJobAlert_email Moka POS, OTO Group, and PT KINETIC MANDIRI have opportunities for you! 11 new jobs in Batam Financial Advisor-Area Pekalongan PT. AXA Mandiri Financial Services - Batam Berpenampilan menarik dan refresentatif • Memiliki teknik komunikasi yang baik • Tertarik dalam bidang Perbankan dan Insurance • Fresh Graduate atau Memiliki... Easily apply 15 Jan Problem Account OTO Group - Batam Pria, Usia maks. Pendidikan SLTA/D1-D3/S1 semua jurusan*. Menangani account customer yang telah melewati batas waktu pembayaran angsuran dan memberikan solusi... 14 Jan Assistant Restaurant Manager Club Med Indonesia - Bintan Island Duties and Responsibilities Ø Assisting the Restaurant Manager and transmitting the guidelines and the priorities to the restaurant team: staff organization,... Easily apply 13 Jan Credit Marketing Officer Motor Baru OTO Group - Batam Pria, Usia maks. 25 th, Pendidikan D3/S1 (SLTA Dipertimbangkan) *. Melakukan survey dan analisa kelayakan customer serta membina hubungan baik dengan dealer... 14 Jan Baby Club Coordinator - for Club Med Indonesia and Overseas Club Med Indonesia - Bintan Island Duties and Responsibilities: Ø Responsible as Baby Coordinator Ø Animating the Baby; creating manual activities, games, fairy tales and songs Ø Responsible... Easily apply 14 Jan Circus Instructor - for Club Med Indonesia and Overseas Club Med Indonesia - Bintan Island Duties & Responsibilities: Ø Under responsibility of Sports Manager Ø Introduction to circus activities for adults and/or children (flying trapeze, juggling... Easily apply 14 Jan Assistant Housekeeping Manager - for Club Med Indonesia and Overseas Club Med Indonesia - Bintan Island Duties and Responsibilities : Ø Under responsibility of Housekeeping Manager Ø To organize the staffing schedule and work Ø To organize training for the... Easily apply 14 Jan Yoga Instructor – For Club Med Indonesia and Overseas Club Med Indonesia - Bintan Island Duties and Responsibilities : Ø Under responsibility of Sport Manager Ø Conduct classes for Yoga( certifications ) Ø Be the advisor for the member that need... Easily apply 14 Jan Sales Executive (Batam) Moka POS - Batam Minimal 1 tahun pengalaman sebagai sales (terbuka untuk freshgraduate). Membuat daftar pelanggan prospek sesuai dengan segmentasi yang diinginkan Perusahaan.... 15 Jan REVIT STRUCTURE DRAFTER PT KINETIC MANDIRI - Batam Sarjana Maximum Age: 32 Years Score: 2.75 Mininum Experience: 1 Year(s) Majoring in Engineering (Civil) or equivalent. Required language(s) English. Having an... Easily apply 15 Jan PRAMUNIAGA KRISBOW Batam Kawan Lama Sejahtera, PT - Batam Persyaratan Memiliki pengalaman di bidang sales marketing. SMA/SMK Maximum Age:.... Easily apply 15 Jan 11 new jobs found View All Jobs View jobs: since yesterday - for last 7 days Get job updates from these companies PT. AXA MANDIRI FINANCIAL SERVICES Follow KAWAN LAMA SEJAHTERA, PT Follow PT Kinetic Mandiri Follow How are we doing? Indeed Job Alert emails make my job search easier. 1 2 3 4 5 From 1 (strongly disagree) to 5 (strongly agree) © 2017 Indeed Ireland Operations, Ltd. 124 St. Stephen's Green, Dublin 2, Ireland PRIVACY POLICY | TERMS | HELP CENTER | UNSUBSCRIBE Silahkan Hubgungi Jika Anda Berminat Dengan Lowongan Ini Lowongan Kerja SMA Terbaru

#IFTTT #Gmail

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securitieslitgtr · 6 years ago

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Axa to Pay N.Y. Egg Farmers $3.2M in Finra Award

Published by Ignites.com

By Jill Gregorie

May 3, 2019 —

Axa Advisors must pay $3.2 million to elderly egg farmers who claim they were sold unsuitable variable annuities and life insurance policies by a Rochester, N.Y.-based broker between 2011 and 2014, a Finra arbitration panel decided last week.

James and Sandra Fitzpatrick filed the claim in November 2016, and sought more than $13 million in damages, according to an April 25 Finra resolution. The couple runs the Fitzpatrick Poultry Farm in Whitesville, N.Y., a small town located approximately 100 miles south of Rochester.

The Fitzpatricks called a lawyer when they recognized their Axa broker’s “mug shot” in the Rochester Democrat & Chronicle, said Jason Kane, a partner at Peiffer Wolf Carr & Kane, in a YouTube video summarizing the case. Kane is one of three lawyers representing the claimants.

The July 2015 article included claims that Francesco Puccio and a close friend defrauded a client by liquidating her retirement accounts and investments, and then “systematically transferring the money through a series of unsecured loans and distributions.” Puccio worked for Invictus Wealth Management at the time, and was convicted of a felony.

The Fitzpatricks claim that Puccio sold them high-commission variable annuities and life insurance products in part to help pay off those bills, according to an affidavit. There were five questionable transactions in total, including a transfer of $708,000 in American Fundsmutual funds to an Axa annuity.

Another recommendation that Fitzpatricks’ lawyers said was unsuitable involved Puccio’s converting fully paid, dividend-producing life insurance policies into a $1,300,000 Transamerica variable annuity.

The Fitzpatricks also filed a claim involving Cambridge Investment Research, where Puccio worked between January 2014 and July 2015. They settled that case in 2016 for $115,000, according to Puccio’s broker conduct report.

Finra has barred Puccio from working as a broker, but the Fitzpatricks’ lawyer said he should have been closely monitored at Axa Advisors given his “numerous credit problems.”

“AXA sent a felonious broker to serve unsophisticated and elderly clients and then completely abdicated its supervisory obligations,” said Kane in a statement.

Police arrested Puccio for charges including grand larceny and conspiracy in 2015. Puccio worked at Axa between March 1999 and August 2009, then again between January 2011 and January 2014, Finra records show.

The Fitzpatricks at one point kept life insurance policies in egg carton boxes, a sign that they were not sophisticated investors, Kane’s law firm noted in the statement. As a result, Puccio was able to easily fleece his elderly clients.

“On its face, these products should have been questioned immensely by his branch manager,” Kane said in the YouTube video. “Red flags should have been going up everywhere in that office.”

Axa notes that Puccio has not been affiliated with the company for more than five years, and says that the company is “committed to serving our clients with integrity.”

“We do not condone any actions by this individual which were inconsistent with our policies and values,” a spokeswoman said in an e-mail response to questions.

FREE Consultation | 585-310-5140

from Investment Fraud Lawyers | Investor Loss Recovery https://securitieslitigators.com/axa-to-pay-n-y-egg-farmers-3-2m-in-finra-award/

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omcik-blog · 7 years ago

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New Post has been published on OmCik

New Post has been published on http://omcik.com/3-new-thoughts-from-the-axa-us-individual-annuities-chief/

3 New Thoughts From the AXA US Individual Annuities Chief

(Image: Bram Janssens/Thinkstock)

Kevin Kennedy is one of the life insurance industry executives in charge of pulling the U.S. individual annuity market out of its current slump, in time to do something for the baby boomers, and older members of Generation X, who are rushing toward retirement age.

Kennedy, head of individual annuities at AXA US, talked about the challenges facing the market recently in a telephone interview.

(Related: U.S. Individual Annuity Sales Drop Slows: LIMRA)

Kennedy has been involved in annuity sales at AXA since 2004, when he started out as a divisional sales manager. He began running the U.S. individual annuities operation in January.

AXA US is an arm Paris-based AXA S.A., one of the world’s largest financial services organizations. In the United States, the company ruffled some feathers in 2011 by introducing the buffer annuity, a product that provides somewhat more protection against an investment index drop than a typical variable annuity and somewhat less protection than a typical indexed annuity, in return for upside participation caps that are higher than the caps that come with the typical indexed annuity.

New sales figures from LIMRA show that the company’s overall individual annuity sales increased to $5.5 billion in the second quarter, from $5.1 billion in the second quarter of 2016. Total U.S. individual annuity sales fell 9.8% over that same period.

(Photo: Thinkstock)

The increase at AXA US helped push the company to fifth place in the LIMRA sales rankings, from sixth place a year earlier.

Here’s a look at three things Kennedy is saying about the individual annuity market now.

1. He’s hoping the firmer-looking second-quarter annuity sales figures mean something.

LIMRA, which is a nonprofit industry consortium, and Wink, a private research firm, recently came out with survey figures that tell a similar story: U.S. individual annuity sales were lower than they were in the second quarter of 2016, but the year-over-year decline was much smaller than in the first quarter.

“Maybe things are starting to normalize,” Kennedy said. “People realized that there are problems out there, and that annuities solve these problems.”

2. He thinks people who are in their 40s or 50s now are probably similar to people who were in their 40s or 50s in earlier generations.

Kennedy said he is skeptical about the idea that today’s financial services customers are much different from the customers who were buying financial services products 20 years ago.

“I have not seen much of a shift,” he said.

People in their 40s, for example, tend to have a good income, and that means they are interested in products that can help them defer income taxes, Kennedy said.

People in their 40s are also likely to be interested in flexibility, he said.

The fact that those people are in their 40s, have certain kinds of resources, and face certain kinds of challenges probably shapes what they buy more than what generation they’re in, he said.

3. He thinks vanilla is a hot flavor.

AXA US has experimented by offering customers exposure to a number of different unusual investment indexes in indexed products, but, about 93% of the time, customers end up using the same three indexes, Kennedy said.

“They want something very vanilla and easy,” he said.

Kennedy said he believes the same is true of the financial professionals who sell the annuities.

“I think advisors wants simpler, more transparent products,” he said.

Kennedy would like to see the shift toward fee-based annuity contracts, and away from commission-based sales, help insurers respond to the hunger for plain-vanilla products by simplifying disclosure documents.

Today, he said, annuity disclosure materials tend to be much more voluminous than the comparable materials for mutual funds.

“There’s always a higher burden on the variable annuity,” he said.

He’s hoping growing similarity in compensation arrangements will lead to growing similarity in disclosure forms.

— Read Annuity Sales May Be Starting to Firm Up: Wink on ThinkAdvisor.

We have a Facebook news feed. Visit https://www.facebook.com/ThinkAdvisorLifeHealth

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caveartfair · 7 years ago

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The Least Exciting (but Most Important) Parts of Owning Art

Photo by Margo Moritz for Artsy.

There’s a lot of advice out there about how to buy art—from how to decide what works you actually want for your collection to what you should know going into an auction. But the purchase of a piece is just the first step in the larger process of owning art. As with a home or car, art requires specialized care, maintenance, and insurance. Fortunately, there’s a whole universe of specialists out there who can help. We spoke to a number of them about what you should do after purchasing a work of art.

Shipping and Handling

Simon Hornby, CEO of Crozier Fine Arts, said the first consideration in getting a work across any meaningful distance (i.e. far enough that the work cannot be taken home in a cab) is careful wrapping: All artworks should be protected so that the work will have as little unintended contact with the wrapping as possible.

Even actual packing materials, he notes, can be deleterious to the work—he recalls one plastic statue that had an instant chemical reaction with the bubble wrap used to pack it, leaving the imprint of the bubbles on the work. Paintings, he noted, are often not fully dry; those should be boxed so a few inches remain between the face of the painting and the box around it. Fine art handlers are accustomed to dealing with novel shapes, sizes, and materials, Crozier said, and will often turn to other industries for new solutions—he’s even borrowed a few tricks from the shippers who transport freshly painted NASCAR cars.

For moving works longer distances, he suggests an art shuttle—a moving company that travels along roughly set routes (up and down the East Coast, through the Southwest, to and from the West Coast). They’re the most cost-effective way to move works, he said, and still get the benefit of a trained art handler.

Alternatively, said Alain Servais, a Brussels-based collector, you can ask the artist or the gallery to crate the work carefully, and then ship it with a volume carrier like UPS or FedEx. He negotiates the crating at the time of purchase, and said he’s never had a problem moving art this way. He has also asked galleries if they can bring a purchased item (say, a work he bought in Mexico City) with them to a closer art fair (such as one in Paris), cutting down on the cost of shipping he’ll ultimately have to pay.

If you are using a fine-art shipper for international transport, be sure to get at least two or three competitive quotes, Servais said. And as soon as you’ve bought the work, be sure to take pictures of it and ask for a condition report, to ensure you get the work you paid for and in the same condition as when you bought it.

Insuring for Safe Passage

Seasoned collectors will typically have a specialty fine art insurance policy that covers their artwork from the time of purchase, said Rand Silver, global director of art collection management for AIG Private Client Group. New collectors should check with their insurance brokers to see whether their existing homeowners insurance covers fine art purchases—and when. Often, Silver said, coverage for purchases doesn’t start right away with homeowners policies, something people only find out once an item has been damaged. He estimates that about 60% of AIG’s claims for fine art are due to damage during transit and accidental damage (such as in hanging).

Christiane Fischer, president and chief executive of AXA Art Americas, knows that reading the fine print of insurance policies isn’t what some new collectors—lured to their first purchase by the flash of the art world—had in mind when they embarked on the long journey of collecting. “There’s nothing sexy after you buy a work of art,” she laughed.

Still, having insurance is critical, though there can be barriers beyond the complexity of any given plan. For new collectors on the younger side, the whole concept of picking up a phone and actually calling a broker for insurance is alien given the nature of e-commerce today. So AXA launched a digital portal in March where those with collections of up to $1 million can simply purchase insurance online—perhaps even for work they bought online to begin with.

Even as insurance becomes easier to obtain, “our biggest competitor is the uninsured,” said Fischer. “Our major task is to educate people.” She offers a few important tips: Make sure that you have all the relevant documentation proving title to a work if you need to make a claim. Also, even if you’ve purchased a fine art policy to compliment often inadequate homeowners insurance, be sure that it keeps up with the increasing value of the work 10 or 20 years down the line. Trouble can also arise if you’re insured through a shipper, some of which will compensate you in the case of damage by the weight of the object (so much for recouping the full value of your Andy Warhol balloon, popped during transit).

However, when a work is broken, pursuing an insurance claim as a first resort may not always be the most efficient route, said Servais. Sometimes, particularly if the artist is still alive and working, a quicker and cheaper solution can be found. For example, a friend of one of his children knocked over a €12,000 Gabriel Kuri sculpture of his that consisted of two pieces of marble holding a catalogue. The marble shattered, and Servais and the child’s horrified and apologetic parents spent months dealing with the insurance company before Servais found himself on the phone with the artist, who it turned out had another piece of the same marble in his warehouse. The replacement cost for the marble, including shipping it over, worked out to around €400, which, Servais observed, also makes clear the amount of “good will” he’d purchased for the artwork’s original price of €12,000.

Keeping It Safe

One of the biggest mistakes new collectors make is thinking they can bang a nail into the wall and hang up a new painting. Not so.

“Resorting to professional art hangers is sometimes not a bad investment,” said Servais, rather than saving a few bucks by trying it to do it yourself. “Because quite often you have your whole family, your wife and kids looking, and in front of you it comes crashing to the floor.”

There are a number of questions to ask before hanging or installing a work, such as: Where will the art live? What is the wall made of? Does the wall behind that painting have a pipe that can burst? A fine art handler should know what type of hardware to use depending on the wall’s material, the weight of the object, and what, if any, attachment points the artist has already designed for the work, said Hornby.

Then there’s location: Is that sculpture within easy reach of an especially active cat or exuberant child? Is the narrow corridor between the kitchen and dining room really the best place for a painting? Silver said he had one case in which a painting that had been hung above a fireplace melted once the fire was lit.

“Ideally we’d like all our clients to encase things in Plexiglass, but we understand people like to live with art,” said Silver.

At least when you’ve seen a work set ablaze you know it’s in trouble. Shoddy framing with poor quality materials can damage a work slowly over time, almost imperceptibly, until it is too late, said Jed Bark, founder of Bark Frameworks. Sitting in his 27,000-square-foot Long Island City workshop, Bark explained a few of the hidden risks of bad framing for prints and photographs, particularly: Mat board made of wood pulp will release chemicals that damage a work’s material, or sloppy workmanship can mean that when you open a frame the piece rips. Then there is UV light, which can gradually change the color of your print or photograph, unless filtered out by a glaze.

If you’ve purchased a work at auction or even from a gallery, don’t assume the frame that comes with the piece is for the long haul. While some artists custom-make frames to accompany their works for life, other times the frames are meant mainly for short-term display.

“There are some telltale indicators of whether some work has been well framed or carefully framed,” said Bark. “The real issues for someone who just purchased a work are: Is the work at risk from the framing practices [used]? And is the framing actually protective?” The answers may not be readily apparent—never open the frame yourself to check. Instead, Bark recommends calling the framer.

Since there are no industry-wide standards, and lots of framers promise “museum-quality archival framing” without really backing it up, choosing a framer with a strong reputation is paramount. Otherwise in 20 years when you’re looking to sell that print to pay for your child’s college, the auction house condition report might reveal that it’s been terminally damaged by bad framing. The major lesson is that framing isn’t simply a decorative addition—it’s part of conserving a piece of often irreplaceable art.

Todd Levin, a New York-based art advisor and director of Levin Art Group, said that even with all precautions in place, contretemps occur. Clients of his recently bought a painting for seven figures in Europe, which they needed to ship to the West Coast. He offered to help coordinate the shipping, but they decided to handle it themselves.

He subsequently received a panicked call from the clients: The crate had arrived at the art shipper’s warehouse on the West Coast severely damaged, the top of the crate sheared off, and the painting sitting wrapped but otherwise totally exposed. By some miracle, the museum conservators he hired to evaluate the painting and frame concluded it had suffered no damage.

“That was extraordinary luck,” he said. “Needless to say, the client now confers with me for all shipping arrangements, and will be accepting the shipper’s insurance in addition to the transit insurance offered on their personal fine arts policy going forward.”

—Isaac Kaplan and Anna Louie Sussman

from Artsy News

#Artsy News

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