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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.

This study by TMR is all-encompassing framework of the dynamics of the market. It mainly comprises critical assessment of consumers' or customers' journeys, current and emerging avenues, and strategic framework to enable CXOs take effective decisions.

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

Customer Experience Maps

Insights and Tools based on data-driven research

Actionable Results to meet all the business priorities

Strategic Frameworks to boost the growth journey

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.

2. Insights and Tools

The various insights in the study are based on elaborate cycles of primary and secondary research the analysts engage with during the course of research. The analysts and expert advisors at TMR adopt industry-wide, quantitative customer insights tools and market projection methodologies to arrive at results, which makes them reliable. The study not just offers estimations and projections, but also an uncluttered evaluation of these figures on the market dynamics. These insights merge data-driven research framework with qualitative consultations for business owners, CXOs, policy makers, and investors. The insights will also help their customers overcome their fears.

3. Actionable Results

The findings presented in this study by TMR are an indispensable guide for meeting all business priorities, including mission-critical ones. The results when implemented have shown tangible benefits to business stakeholders and industry entities to boost their performance. The results are tailored to fit the individual strategic framework. The study also illustrates some of the recent case studies on solving various problems by companies they faced in their consolidation journey.

4. Strategic Frameworks

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:

1. What can be the best investment choices for venturing into new product and service lines?

2. What value propositions should businesses aim at while making new research and development funding?

3. Which regulations will be most helpful for stakeholders to boost their supply chain network?

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?

8. How will the emerging political and economic scenario affect opportunities in key growth areas?

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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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

youtube

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 · 7 years ago

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im 16 and i am looking for a project car. the car i want is a 1971 dodge charger and it will take me a year or two to finish but i was wondering how much insurance would be if i got it and it was all finished and I was on my moms insurance?

How can I find what insurance i had with car I dont have anymore?

After almost 7 years the DMV says that I owe them for a lapse in insurance. Car was repossessed and I didn't take the tag off. (my mistake) I'm pretty sure I canceled the insurance but I can't remember what company I was with or what dealer I got the car from. The DMV had no other information on the car other than the obvious fine. My renewal is coming up and I don't know what to do. PLEASE HELP!

Help i need cheap auto insurance.?

i have a 2001 pontiac grand prix gt and i am 19 years old and i live at zip code 48726 i need cheap car insurance can you help please

Claiming insurance for a vandalized car?

a car is 23 years old and in standard form worth about 800. due to the amount of mods done to it, it is insured for 4000. if it was to be vandalized to the point it needed a full respray at a cost of around 1500 what do u reckon the insurance company would do. pay for the respray or write the car off, and payout how much?? its not an agreed value as such, its just thats what was paid for the car so thats what they said to insure it at.""

How to get my car insurance in my name?

i am going to break up with my boyfriend, but my car insurance is in his name.i want to be independent , so how to get it over in my name. he refuse to help me out. did i mention how much i dislike him.""

Teenage car insurance?

Well im 15, gonna be 16 in 2 weeks and Im about to get a car. How much will the insurance be? I live in Arizona, have straight A's and am a girl and the insurance im gonna have has benefits if you have good grades and its cheaper if you're a girl too. So I would like an idea of how much it would cost monthly? The car would be a 1990 toyota camry 4-cylinder""

Cheap UK car insurance UK - Student?

Hi , I'm 18 I'm looking for cheap car insurance What company do you have ? How much do you pay ? per annum/month Co - op student insurance in cheap but they put a box in your car that monitors your speed, how you turn corners etc. which I think is a bit ridiculous and I really dont want to settle for that. Thanks""

What should i do with my insurance to test drive cars?

I am looking at a car tomorrow that i will more than likely buy. My insurance is comprehensive but says the driving of other cars extension is not included for any driver named on the policy I have phoned my insurance company Diamond and the guy said it would cost me 17.50 to insure the car for a day third party. I undestand that third party means if i bump someone my insurance pays for their damage but not for mine. If i decide to buy the car should i be getting fully comprehensive for the day?

Life insurance question - term life and term life with return of premium?

Hello, my spouse and I are in the market for life insurance now. After some researching, we have pretty much decided to go with term or term return of premium insurance. I still have following to decide and if you could enlighten me on these I would appreciate it very much. Which company? I found the following list that's supposed to be the best life insurance companies at this website. http://www.lifeinsurancestar.com/lifeinsurance/company-ratings.php * New York Life: A++, stable outlook * Mass Mutual: A++, stable outlook * State Farm: A++, stable outlook * Geico: A++, stable outlook Does this mean I should probably check out these companies? We have State Farm for auto and home insurance. Would State Farm be a good way to go (convenient to have all three in one place)? I also thought Geico didn't offer life insurance. I was led to LifeQuotes page from Geico. Does this mean that this list is not reliable? How much? We are 40-45 years old, just We still have almost 30 years of mortgage, and 20 years of raising our son. I was using some calculator online (Kiplinger, Life Foundation?) to calculate how much coverage I need, and they both returned figures like 1+ million. How can this be? Is 1 million life insurance common these days? We have about 170,000 in remaining mortgage balance (actually I only included half of that in calculation), and I calculated monthly living expense to be 2,000-3,000 (depending on if our child is still with us)/month with my spouse's income to be 2,000/month, and also included college cost. Does this seem reasonable that this will add up to be million dollars in 30 years, with inflation? I was thinking of about 300,000-400,000 before using these calculators. Term or Term ROP? We have almost decided against Term ROP and to go with straight term, but are not final on this decision. What do you all think about ROP? With ROP, do we typically actually receive ALL of the premium, or are there any fees etc. subtracted from the refunded amount? Also, does ROP term insurance give you investment returns in addition to the amount of premium you paid? One of the reasons that we are leaning towards straight term is that with our current age, with 20-30 year policies, the likelihood well actually be using the death benefit would be moderately high then ROP wont be such a good deal, as well as hearing that if we just get term and invest the difference in the premium, wed be ahead of term ROP. How long? In this case, should we try to get a 20 year term (for while our son will be with us), or 30 year term, just to cover the full length of the mortgage, although I wouldnt need that much coverage towards the end of 30 years (our son will be with us for only 20 more years, our mortgage will be paid off except for last 10 years or so)? Or buy 25 year return of premium term policy and pay 5 more years of mortgage using the money we receive from return of premium? Or buy two term policies - a large amount of 20 year policy plus a smaller amount (to cover the remaining mortgage balance in the last 10 years of mortgage)? Thank you for your help!""

Car insurance on Mitsubishi Eclipse?

Im only 16, almost 17. Female. First time driver. No accidents. We have Geico. The car is a 2007. 47500 miles on it. 2 door. I tried looking online for an insurance calculator.. I just wanna know about how much a month it would be.""

""Can I report my (former) car insurance to someone, Texas?""

I was insured with a cut rate car insurance company because I needed a SR22 for no insurance from many, many, years ago that finally did catch up to me just now. Anyway, I was having my payment drafted out of my debit card each month. Well a few days before my insurance was due I realized that I unexpectedly was going to be short. It was due one day & I didn't get paid for another 2 days. So I called up my agent & explained the situation & asked if my policy had a grace period? They put me on hold to check. They came back on the telephone & said yes I had 7 days from the date it was due. They said I would be fine cause I got paid 2 days later. Well I go back up there a couple of days later to make my payment. Mind you, I'm still well w/in the grace period. The computer would not take my payment. The agent made a call, then spoke to someone, & then informed me my insurance was dropped for lack of payment. I was like whoa I was told I had a full week grace period She said to me Well, when you called you didn't inform us that you had your insurance drafted from your debit card. I was like A) Y'all didn't ask when I called & B) How in the world would I know to tell you that? Especially since y'all never asked. They basically said Oh well. She did make it clear that if I had not had auto drafting that the grace period would still stand. Maybe I'm clueless but I never had an incident where I was ever late on my car insurance. Now my DL is suspended. I don't know if this place gets a kick back by starting over my insurance w/a whole new policy. If I had had started over again the rate would jump & I would have to repay them to refile my SR22. Is that legal?? Like I said what do I know????""

Who knows the cheapest insurance in jesey for a 19 year old dude?

hey, my pal wants to get an insurance for my car cuz i can't my self, (police reasons) we want an insurance with the lowest price, lowest of all, i don't even care if it covers me well or whatever cuz if something happens to the car i will just use the other, it is just to register it, i got 2 cars, they the same but only one of them is gonna be register, so if u know anything about insurance with a low price or not nessesary legally but that can let me register it let me know (chevy lumina 97)""

What is the cheapest & best health insurance plan in the state of New York.?

I live in Great Neck. Need insurance for a family of four two adults around their 30's, and two young boys. -Dental Insurance -Health Insurance -Eye Insurance""

Is AAA a car insurance?

is AAA a car insurance? and how much a year?

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Temporary 2 week car insurance for 21 yr old?

My boyfriend i s coming over from australia and has an aussie driving licence, we are thinking of borrowing a car from my friend who is a second hand car salesman and hence has many cars hanging about but which are uninsured. Does anyone know if it is possible to borrow one of the cars (which are road taxed) and insure it for me for 2 or 3 weeks only (21, had a driving licence for 3 years) or my boyfriend (26, had an aussie licence for 8 years)?? Which company can we use?! Please help ASAP!""

Would it really cost me a lot more insurance?

I have a 93 camry and I'm trying to look for a new car to replace it. I asked my insurance company about the cost of insurance for a 2009 honda civic EX sedan 4 door and it was 536 every 6 months. Researched that car more to find out it was in an accident so scratched that car out of the picture. I found a 2007 honda civic EX coupe 2 door and no accidents and i see nothing wrong with it. They are both EX but the coupe is older. Would the insurance be much of a difference?

How much can auto insurance rates go up for a first time accident?

If youre at fault, theres no injuries. Approximatley $1500 damage done to the other car and minor scratches done to your own. Also, would it be better not to make a claim to your own vehicle if the damage is so minor? Or would it even have an impact on future rates?""

How much does allstate charge for insurance ?

Im wondering about how much would allstate charge for insurance on a Range Rover sport supercharged ? Help please and about payments and all of that .... thaanks :)

What should I expect to pay for car insurance?

We are a family of five living in Bakersfield, CA. We have four cars (2005 Infiniti Fx35, 2006 Toyota Highlander, 2008 Acura TL?, 2011 Toyota Camry). How much should we expect to pay for car insurance? Its just that the cost of adding one more person and one more car increased my car insurance by a little less than 50%.""

I fell asleep on the interstate and got into a collision with an 04 BMW w/o insurance.?

I was late on payments and my insurance will not cover. I was at fault and I got a letter in the mail today and the lady said so far the damages are $11k... What should I do?? accident was on 2/27/11 in FL

Can I get insurance if I don't have a license?

I'm 18 and want to get my license but I need insurance, can I get liability without a license and about how much it would cost?""

What's a cheap Car Insurance Company for a 18 Year old Male?

The car is a 106 1.1 Peugeot, does anyone know of any cheap or best ways to get the cheapest car insurance.""

How much does your credit rating affect your car insurance premium?

The CSR from my company just told me that continuous coverage is much more of a discount than a good credit rating gives you. So, overall, about what percent do folks in the know think that the credit rating matters?""

What's the insurance price for a 10 ft boat?

I would like to know how much The insurance would cost for a 10 ft fiberglass fishing boat? Anyone can give me an estimate? Thanks

California motorcycle license?

if you drive a motorcycle without a motorcycle license but with a valid drivers license is it the same penalty as driving without a license? the bike does have its own insurance

Can you add you unborn child to your insurance?

well, I would like to add my baby to my boyfriend's insurance (the daddy) can he do it now or we need to wait until the baby is born?""

Where to find discount on car Insurance?

Hello, I am too tight to pay to car insurance companies, looking for chear auto insurance but ofcourse good company who can take care of my car, some discount on insurance policy will be welcome.""

Why does health insurance not Cover dental work?

health insurance dental work

Which are the Best Car Insurance comparism websites?

Hi Yahooers, I need to re-new my car Insurance and like everyone else I want the cheapest on offer. Deatils are:- I live in the UK, have 10 years NCB, never had any claims and the car is 10 years old. Full licence held for 22years and no points on licence. Thank you for all help given. xx""

What is the cheapest insurance group?

I'm 17, girl, doing my driving lessons and am planning to get a car soon. Not bothered which car, i just want a cheap, affordable one. I've been hearing about insurance groups recently which is confusing me because no one around me can adequately explain it. So, i just would like to know what the cheeapest insurance group is and if you could also please explain a little more on insurance groups so that i'm a bit more informed.. thank you""

""If i crashed my motorcycle, would my dad get penalized on his insurance?""

Quite recently I bought a motorcycle (Kawasaki 650r) and in order to save money on my motorcycle insurance, I insured my dad as the primary driver on it (had his license accident free for 40 years). Im still on the policy and everything, but if i were to crash and total my bike, god forbid, would my dad get penalized on his insurance?""

Where/how can i get kitten care insurance?

please tell me i need to take my 8 week old kitten to the vet (bloomington,IN)""

If I cancel my car insurance will my rate go up later?

I'm going to sell my car and use public trans and my bike to get around. I'm wondering if/when I get a car again will I have high rates because it will look like I had a laps insurance.

Insurance school in noth california?

Would insurance be greatly different for a grand am gt and a grand prix GTP?

Im thinking about getting either a grand am gt or (preferably) a grand prix GTP. Would the insurance for those two cars be greatly different in cost if all the other things like coveerage, driver, etc is the same for both? thanks!""

What car insurance can i get with no down payment?

In california can i report an accident but pay for it in cash ? or when i report it auto contact my insurance?

like if i was in an accident and i reported to the dmv i can still pay it in cash right and the insurance doesn't have to raise the money ? state ur source please

Insurance agent won't write the homeowner's coverage she wants?

My fiance owns an old home in northern Ohio and was paying over $1,300 a year for homeowner's insurance until last year. She can't afford over $100 a month in premiums so I looked into trying to get a lower rate. All three agents that I contacted about the matter assumed a replacement cost for her house of around $157,000 which resulted in premiums of exactly what she had last year. The very idea of insuring her house for $157,000 is absurd for two reasons. The first is that I personally built a house in an upscale neighborhood which was almost three times as large and also had an attached garage. I sold that home for around $150,000 and made about $40,000 profit. The second reason that $157,000 is absurd is that any day of the week you can buy a much better house in the neighborhood for less than $60,000. I was able to find a lower rate of around $600 a year through the Ohio Fair Plan website by assuming a realistic replacement cost of $60,000 and not including such things as jewelry coverage (she has no valuable jewelry), and other coverages that don't make sense. Unfortunately, and after contacting several insurance agencies, not a one will write the coverage as specified. The gave me the flimsiest of excuses. It appears to me as if all the insurance companies doing business in our area may have colluded to lock in homeowner insurance rates far higher than is justified. I hope someone out there can tell me if there are laws that require some insurance company to issue a policy as specified by Ohio Fair Plan. Thanks in advance...""

Around how much would car insurance cost a year for an 18 year old female to drive ocassionally?

I just want to drive my moms car for a bit until I buy my own!

Hayden Indiana Cheap car insurance quotes zip 47245

""NYC Car insurance for 18 year old dude, please help.?""

Ok so heres the deal, I am 18, a guy, living in nyc and looking to buy my first car. Now my parents dont drive so Im on my own for insurance. Now Ive been shopping around to every large company and even small, and the lowest I could get a monthly payment down to was around $371 a month. That is the state minimum coverage with no collision coverage. Its gonna be used whatever I get so I dont need the collision. Now the help I need is if anyone knows any possible way to get anything cheaper, I can deal with something like $200-$250 a month. If anyone has a success story or knows any agents or brokers personally and could help, Id love to know. Now dont tell me I should go on a family member or something, thats not an option. Ive done all the research and been doing quotes 24/7. Now Im a student just trying to get to school and work safely and efficiently. I have a clean license nothing on it. Please and thank you for any help.""

Are Insurance company annuities insured by the government of the USA?

Average car insurance for me?

Im a guy. Senior in high school. I don't have a 3.0+ gpa to reduce insurance. I'm prolly gonna drive a 96 blazer or 97 jeep grand Cherokee. Roughly, how much would my insurance be?""

Insurance to volunteer at a clinic?

I was just offered an unpaid internship -type program through a veterinary clinic next to my university. I won't be getting paid and it will not help me with any credits, but it will provide me invaluable experience to get into vet school. However, they're requiring I get volunteer insurance (because it involves work with live animals) since I am an unpaid employee and will not be covered under them. How do I go about getting this? Thanks!""

What is a good type of health insurance for younger married couple.?

My wife and I are both 20 years old and don't have health or dental insurance which we definitely need. We have had a lot of hospital bills and can't keep up with them. We were denied for medicaid so I am looking for a type of health insurance that will be cheaper but include health and dental benefits. I just wanted to ask you guys before I spend all day researching stuff so if you have any advice that'd be great. Thanks

First time car insurance?

i have been driving my parents car for about a year now and i am going to buy my own car. i am buying a 1.3 Ford KA 07 registration i am female and 19 do you have any tips for getting good insurance and reasonably priced insurance? i am aware it will be expensive. i am looking for fully comp insurance also does anyone have any experience with coop car insurance where they fit a smart box to your car and measure your driving?

California parent trying to decide whether to purchase/register car in California vs. Arizona?

I live in California and my child goes to college in Arizona. I am trying to decide if I should buy / register the car in California (and have her under my policy - lower policy cost) OR buy/ register the car in Arizona (under her own name - to minimize my liability. We've been checking Craigslist and within our price range, the cars in California have much higher mileage and more expensive than cars in Arizona. What are the pros and cons of both options?""

Will a bike licence bring down car insurance?

Ok, so I'm 18 and am looking to learn to drive. I know that insuring a car is going to cost a bomb anyway, but will the fact I have passed a full motorcycle test (A2) help to bring my insurance down? Or will the fact I will have access to two vehicles (car and motorbike) increase my insurance? By the time I pass my car test I would have had my A2 licence for a year and have 3years no claims discount. Also I am looking at getting a 1.1 Citroen Saxo. Will a two door be more expensive than the four door to insure or doesn't it make much difference?? Thanks.""

My life insurance policy and my insurer?

I have life insurance policy with a major US insurer. If this insurer files for bankruptcy and sells off its assets, what will happen to my life insurance?""

Is marriage really that important?

""Queation about auto insurance in Boston, MA?""

Hey, I am 17 years old (18 in a month), male and I am looking at a used audi s5 (4200 cc 350 bhp) to buy. it is a 2009 model with 30000 miles. How much do you think i will be asked to pay for insurance each year if i purchase this car? I never had an accident btw and i dont plan to do many miles.""

Cheap car insurance...?

If you buy a shitty car for like $500, can you get insurance that only covers the other person in a crash and not you?? I know they used to have this?""

I recently got a dui and crashed my car how much will my insurance go up?

right now im paying 45$ a month on car insurance

Affordable term life insurance quote?

What good is affordable term life insurance in florida?

Roommates car insurance company wants my car insurance info?

My roommate just changed her address told her car insurance provider she moved in with a friend. Her insurance company wants my car insurance info. Why? Do I have to/need to supply this? What are the positives and or negatives to doing this? Could it make my insurance go up? Note: We are not under the same company or policy for that matter. Thanks

Would I lose my auto insurance?

Hey there, I have been in 2ed car accident, and its my 2ed one in the past two years. I was wondering If my insurance would drop me, or cancel my renewal or just raise my rates? If it helps they where both rear ends, and no damages to my car, and just scratch to the other car.""

I got into a car accident (my fault) without insurance. What now?

Yesterday, I hit a parked car with my boyfriends car. The car I hit has some door damage, and I thought I would be covered by my boyfriends insurance. Turns out that his insurance expired in the beginning of August so I'm not covered; I also don't have car insurance. The couple whose car I hit are now saying that they can put a warrant out for my boyfriend's arrest because he has an uninsured car (I was driving, not him!). Is this true? What happens in this situation ? I told the owner I can make payments, but I want to know my rights, as long as his. I also live in the state of CT, if that helps.""

Sports car with low insurance cost?

i'm 16 and i'm going to get a car when i'm 18. i'm saving up more money so i can get a good car. i take cars very seriously. i was thinking of getting a 1990-1996 miata or a car like that. i want a want a good looking car that has rwd and manual transmission.

What effect does a minor ticket out of state have on insurance rates.?

A few months ago I got a ticket in Maryland, where I go to school, for going the wrong way down a one way street. The ticket was only a small fine and I don't think any point were given. Recently I just got another ticket for making a wrong left turn in New Jersey, where my permanent address is. Normally, my insurance company, geico , would let one ticket slide but I'm not sure if they would even know about the Maryland ticket. I would appreciate any information.""

Can I get insurance now that my wife is pregnant?

My wife is 35 weeks pregnant. I graduated from Respiratory therapy school this past spring. At the time my wife, son and I were on Medicaid. Now that I have a good job I make too much money and am going to get booted off Medicaid. Can we get insurance for my wife?""

How can i get auto insurance? Complicated story.?

Ok so i currently DRIVE a 2005 Mazda 3. When I originally moved to Florida 3 years ago, My good friend, who I moved to florida to live with, so graciously loaned out the car for me. My credit was and still is horrible, so at the time the loan was put solely under his name. Thus, the car is registered in his name. Three months ago, My friend moved to california with his Fiancee and I moved back to where i grew up in pennsylvania. Well long story short, I'm moving back to florida to get in state residency for college. While i was up in PA, Geico cancelled my insurance cause i was out of state for too long i guess. I had insurance with them under a family plan with my friend when we lived together in Florida. So basically the car is registered in Florida, the owner(my friend) lives in California, My credit is to crappy to change the loan into my name or even have me as a cosigner, and I need to somehow get insurance back so i can drive my car back down to florida next month when I move back. Any suggestions at all as to how i can get Insurance, while still having my friend as the only person on the loan/car registration? Again the car is still licensed and registered in florida, where i'm moving. ANY HELP AT ALL IS GREATLY APPRECIATED!!!!!!""

If your insurance cancels and you reinsure the next day will you get hit with a penalty?

okay im with nationwide and theyre expensive so theyre canceling my insurance on 1/1/08 but i wont have the money to go to my new cheaper insurance until the next day so will i get hit with the 500 dmv fee??/

Will my speeding ticket raise my insurance?

Yesterday I got a speeding ticket in Cambridge, OH, my home state.Going 9 miles over, 79 in a 70. I have State Farm Insurance and this is my FIRST traffic violation. If i pay the fine right away, not having to go to court, will I get any points on my license or will my insurance rate go up at all?""

""Im a 14 years experianced driver , going to reside in USA, Wi, soon ; how will be my Auto Insurance policy?""

Im a 32 years old male and I have been driving for past 14 years. Im going to move to USA , Wisconsin , I would like to know how will be my Auto Insurance Policy? Will I be considered as a new driver , Since I belive I would have to apply for an American Driving license?""

Examples of how auto insurance helped you?

Do you have any personal experience where auto insurance is benificial to you? please also list the pros and cons. thanks so much <3

Hayden Indiana Cheap car insurance quotes zip 47245

Which companies do temporary car insurance for under 21 year olds?

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

https://www.linkedin.com/pulse/ipad-mini-insurance-joseph-cole/"

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optimisticpoetrypost-blog · 7 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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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.

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""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?""

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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

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/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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rexsecuritieslaw · 8 years ago

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Bryan O. Eberle-Former LPL Financial Broker-Discloses 2 Terminations From Employment

August 2016- Marlton, NJ The FINRA records of Bryan O. Eberle, a stock broker who is currently employed by Client One Securities disclose two terminations from employment. The Financial Industry Regulatory Authority (FINRA) is the agency that licenses and regulates stockbrokers and brokerage firms. FINRA requires brokers and brokerage firms to report customer complaints and disputes as well…

View On WordPress

#Axa Advisors complaints #Axa Advisors problem #Bridge Wealth Advisors #Bryan O. Eberle #Client One Securities complaint #Client One Securities problem #finra arbitration attorney #lpl financial complaint #lpl financial problem #recover investment losses #stockbroker malpractice

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securitieslitgtr · 6 years ago

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Victimized Family Egg Farm Awarded Record-Setting $3 Million

Published by New York AG Connection

by New York AG Connection

05/03/2019 —

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, N.Y., 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, N.Y., 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.

FREE Consultation | 585-310-5140

from Investment Fraud Lawyers | Investor Loss Recovery https://securitieslitigators.com/victimized-family-egg-farm-awarded-record-setting-3-million-2/

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securitieslitgtr · 6 years ago

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Victimized Family Egg Farm Awarded Record-Setting $3 Million

Published by usagnet

by USAgNET

05/03/2019 —

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

FREE Consultation | 585-310-5140

from Investment Fraud Lawyers | Investor Loss Recovery https://securitieslitigators.com/victimized-family-egg-farm-awarded-record-setting-3-million/

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securitieslitgtr · 6 years ago

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FINRA Arbitration Panel Awards A Record $3M Egg-Farming Family In Annuity Case

Published by InsuranceNewsNet

From Business Wire

May 1, 2019 —

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.

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.”

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/.

FREE Consultation | 585-310-5140

from Investment Fraud Lawyers | Investor Loss Recovery https://securitieslitigators.com/finra-arbitration-panel-awards-a-record-3m-egg-farming-family-in-annuity-case/

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securitieslitgtr · 6 years ago

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Record Upstate Securities Settlement Reached

Published by Spectrum News

By Jim Aroune

PUBLISHED 5:46 PM ET MAY. 01, 2019 UPDATED 9:11 AM ET MAY. 02, 2019 —

https://securitieslitigators.com/wp-content/uploads/2019/05/puccio_spectrum.mp4

A financial advisor fraud has led to the single largest securities settlement in Upstate New York. Counsel for two of the victims believes it may be the tip of the iceberg.

Shirley Kerwin says Francesco Puccio took over her retirement and wiped out her life savings.

“He keeps changing me to different annuities and stuff, and I really didn’t understand it,” the Scottsville widow said. “I told him, I trusted him.”

Kerwin got help from a neighbor and called Puccio out. She ended up with a settlement of less than $500 a month, a debt with which Puccio struggled to keep up.

An attorney says that led Puccio to defraud Sandra Fitzpatrick and her husband, the operators of a poultry farm in Whitesville, a stone’s throw from the Pennsylvania line in Allegany County.

“A broker who can’t pay his bills or struggling to pay his bills approached his branch manager at Axa and said ‘I want to sell a very large life insurance policy to an 85-year-old man. I want to take his old life insurance policies and switch them into a new variable annuity,'” said Jason Kane, a partner at Peiffer Wolf Carr & Kane. “That is a major red flag.”

Such were the events that led to Upstate New York’s largest single settlement for securities activities. The Fitzpatricks received $3.2 million from AXA, the firm affiliated with Puccio during his dealings with the family.

Kane blames Puccio, convicted of a felony in Kerwin’s case, and AXA, for allowing Puccio to victimize the Fitzgeralds. He says Puccio closed the deal by impersonating their son Kerry Fitzpatrick.

“Basically Puccio’s goal was to actually make a loan against one of my parents policies so that he could sell them yet another variable annuity policy,” said Fitzpatrick.

Kane believes it’s a systematic problem for AXA, which has paid out multi-million dollar settlements in recent years.

“Don’t be afraid to stand up for your rights, because you are the victim,” Kane urged.

AXA released a statement Thursday morning, saying in part:

These actions were inconsistent with our policies and values. The financial professional who was involved in this matter has not been affiliated with the company for more than five years. We remain committed to serving our clients with integrity.”

FREE Consultation | 585-310-5140

from Investment Fraud Lawyers | Investor Loss Recovery https://securitieslitigators.com/record-upstate-securities-settlement-reached/

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bloginstantmooncollector-blog · 7 years ago

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How much is car insurance monthly for a new driver in Indiana about?

thanks :)

""On buying a new car, should I get insurance for it immedliately?""

I am buying a new car in a day or so. Am I legally required to get insurance before I take it out of the dealership? I heard that dealer should keep insurance for 1 month. Is that true? If it is true, what is covered - just the car? Driver? Passengers? New-car buyer in Texas""

Car insurance for girls?

I am 18 and looking at starting my driving lessons and buying a car, BUT insurance is so expensive for a first time driver. Does anyone know what the cheapest car will be for me to insure,?? Thanks.""

Will applying for medicaid affect the insurance I have now in any way?

I am 32 weeks pregnant and I am covered under my dad's insurance through Tricare. I remain eligible under his insurance until I am 23 and everything is full coverage. However, as soon as my baby is born he is not covered at all. I am looking into my options and I read that if I apply for medicaid now, then I can call the day my baby is born and just have him added on so that way he will have coverage right away. I am worried if I do try and apply for medicaid now that it will affect the insurance I am covered under now by Tricare. I do want to stay under tricare, I do not want to lose this insurance and its coverage if that is the case. I am also worried that since I have to wait until the baby is born to apply him for his own insurance through CHIP or Medicaid - whichever one he ends up qualifying - that I will have to wait a long time before he is actually covered and I know the baby is going to need check ups and a pediatrician right away. I am really worried about all this and wondering what is my best option and what I should do! Will I lose my insurance if I apply for Medicaid in advanced so my baby will be covered right away? Is my best option waiting until the day he is born and then applying? I also live in PA if that makes any difference. Anybody who can help out, thanks!""

How much are car insurance usually cost in texas?

I would be a first time driver. I am 25 year old. how much is the cost for any car insurance now in the market?

Insurance or out-of-pocket?

The bumber and trunk of my new 2006 Honda Civic was hit by someone unknown when my car was parked in a lot. The damage is a sizeable dent. How much will it cost for a repair in the dealership? Is it better to pay it myself or let the insurance do it (worry about increasing insurance rate). Any other ideas will help? Thanks

How do I get a cheaper car insurance?

I m with Tesco insurance atm. any chance to get better insurance?

Affordable student health insurance?

I am a college student in Maryland and I need affordable health insurance. I don't qualify for the one through my job because I only work a few days and I go to school full time. I applied for state insurance and I was denied that.I ve looked online and everything seems pricey for me. PLEASE ADVISE!

Cavities before getting health insurance?

What are the rules with getting dental insurance. I am willing to pay monthly for it because I really need my teeth fixed. I heard you can't get any teeth fixed you had before the insurance and also you had to have the insurance for a certain amount of time before getting your teeth fixed. Who knows what the rules are about this?

Why is my car insurance so expensive?

hi, i tryd luking for car insurance but all of them are expensive, the minimum is 4000 and max in over 10,000. im 19 years old, live in london and i passed my test last week. i knw aome people who are 19 and passed recently and there insurance is only 1000. btw the car has a 1.4 engine and is a 1997 model. also can someone explain to me what no claim bonus means? thanks a lot""

Who has the cheapest liability car insurance in California?

I live in the South Bay, and I am purchasing a car along with insurance. I just need a cheap insurance company because I will not be driving the car for long, as I am going to the Air Force at the beginning of next year.""

What is the cheapest scooter insurance in California?

I have a 80 cc scooter. I ride for pleasure , not commuting far distance. Right now, I am renewing, but $200 for 1 yr. coverage is to high. I'm a college student, 20 yr. old. I didn't take the driver course. Any students out there who have scooter insurance? what you have?""

Auto and House Insurance...what to ask!?

I'm a first time auto and house insurance buyer....yipee (NOT!) As I shop around for prices, I find each of the policies vary so much. What are some key questions I should be asking? What are the things I should be inquring about which will greatly affect the future with this insurance? In other words, to those of you who have had experience with insurance policies, what do you find most important in having on your policy? How do I make sure I'm well covered?? Thanks!!!""

What does a lapse in coverage for car insurance mean?

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.

Is there some sort of reason that Car Insurance costs so much more in Nevada than it does in California?

Im looking into moving, and I cannot help but notice that the quotes I am getting are, well, DOUBLE what I pay in California. Granted, I am a 23 year old male and have a decent driving record, it is kind of shocking to see liability only coverage quoted at $250/month for my two 8 and 12 year old cars, when Im paying $125/mo. as of now in California for the same 100/300 coverage. Can someone explain this? I have some friends that have moved to Las vegas, with the same shocking increase in premiums... (And yes, I need the 100/300 since I own a home)""

Do you have health insurance?

if, so, How much is it per month? How old are you? what kind of deductable do you have?? feel free to answer also if you do not have insurance.""

Heath insurance?

the comapny i work for is taking insurance premium out but the insurance premium is not being paid.......what can we do as employees?

Can i use my car insurance to drive my dads car?

i got fully comp insurance on my car, does my insurance cover me to drive my dads car?""

Decent Car Insurance Info?

Does anyone know of a decent car insurance provider for 18 - 20 year olds -.- I just got quoted 4k for a 1litre CAR that is almost double if not more than double of the 1 litre I would of bought if Insurance companies weren't FUBAR. Does anyone know of cars or car insurance providers that are cheapish like 2000 - 2500 mark. I mean I'm in a 1 litre I'll be topping 80 my acceleration is about 12 seconds -.- So yeah thanks to anyone :)

Health insurance from company?

how come my coworker pays only 20 bucks per paycheck for the health insurance, and i need to pay 50 bucks?""

2000+ Toyota Celica Insurance and More?

I'm a 16 year old boy and expecting to buy this car for about $6,000 in August. I am looking for details such as mpg and insurance rates for a 16yo boy buying this car. I heard the mpg are really good on this car but will it be worth it if the insurance is high? Help me decide and give me other car ideas under the budget of $7,000 -Cory, CT""

""Insurance Claim estimate lower than expected, what do I do?""

An elderly lady backed up into my car a few days ago and we decided it'd be best to file an insurance claim. After the claim was ruled in my favor I was sent to a body shop for an estimate of the repair. The damage was to the rear quarter panel of my car which consisted of a scrape across the panel and a quarter sized dent in the panel. The insurance adjuster gave me an estimate and check for 855$. My question is in regards to the repairs, I feel that since this is 100% the other party's fault and since I am the person who has to drive the car that I am entitled to the maximum premium in repairs. I have been reading on Paintless Dent Removal (PDR) and most will say that its the cheap way of making a repair. Does anyone know if it would be possible to go back and get a new estimate/settlement for a new rear quarter panel? Basically my logic is this, if you damage any of my property it should be 100% my call if I want to settle for a compromise or not.""

""I bought a car in NY, I have VA insurance and i wanna kno How can i register the car?

Need registration for car with VA insurance

What are auto insurance rates based on and why do some companies cost more than others?

Angie Louisiana Cheap car insurance quotes zip 70426

Will the insurance company pay?

On my way home last night, I was hit by a guy making a left at an intersection neither one of us had a stop sign, however I was keeping straight and he turned and hit me. Now I am 17 years old, and the car is in my moms name and so is the insurance, I am not on anyones insurance, the other guy had insurance and however he did not have a license. So the police issued him 2 tickets leaving the scene and no license. So my questions are 1. Who is at fault 2. Who's insurance would I go through (I only have liability) 3. Will his insurance pay? 4. How long does this process take? 5. Procedure? 6. What should I do?? Thanks in advance.""

All options for affordable birth control of any kind?

Here's my problem. My dads insurance company (I'm a student, and did qualify for insurance last year through my job so he kept me on his since I'm 19) doesn't cover ...show more""

Cheap health insurance?

what is the cheapest health insurance in california? i am male 22, i do not smoke..""

Why are my insurance quotes so high?

20 year old male toronto ontario G2 issued oct 2011 G1 DEC 2010 car 2003 toyota celica never been insured before quotes came up as 12000-16000/year i tryed it with a 4 door honda accord and it was 10000/year, i tryed 3 websites. Also is there an easier way to find auto insurance around toronto?""

""After one month, auto insurance gets cancelled?

I changed auto insurance after my other policy lapsed due to direct deposit mix up. I went with State Farm for both vehicles and paid about 20 dollars more per month for a better policy. I got a letter 2 weeks into coverage stating my policies are being cancelled due to not showing 30 days of coverage at the time of purchase. So I guess they can cover me for a month and ditch me? This don't sound right. I have zero tickets and zero wrecks and the same goes for my wife. My agent says the rate will go up from 138.00 per month to 245.00 per month! ! ! ! ! WTF?

Cheapest car insurance???

what is the best place to get the cheapest car insurance???

Jeep wrangler Insurance rates?

Does anyone have a wrangler? Im looking at buying a 2007 this year and would like a heads up about insurance rates.

I'm confused about primary and secondary health insurance?

My daughter is on my policy, where all of the payments come out of a fund set at the beginning of the year, so if it is $1,000 that can be wiped out by one trip to the ER. Also, she is on her father's plan which is a taditional co-pay plan. Would it work out to my advantage to use his at primary and mine as secondary? Can the co-pay requirement from his insurance be paid from my plan?""

Is there affordable private health coverage available?

My husband lost his job and my autistic son takes strattera($640) and abilify($220) a month. Is there any programs that help with cost or a good private insurance plan out there?

About how long does it take to get plates for a new car through insurance company?

I just bought a new car and i have no plates for it. How long will it take for me to get the plates if I'll be registering through my new insurance company in MA?

Mistake on insurance- value of car?

recently i was involved in a car accident where another driver drove into the back of my car and since then it has been written off. the problem is i undervalued the car on my insurance by accident (as it was a present and was unsure of the true value) can i explain this to the insurance company and get the money paid for the car? or will i just get how much i said the car was worth? thanks

Insurance change help?

i am with geico and i want to go to allstate do i surrender my plates to switch insurance or do i keep the plates and call they and they will transfer me

What car insurance should i get?

I am 17, and im looking to buy my first car. i am looking for car insurance that is cheap but is also good.""

My son hit a parked car - need auto insurance advice?

My son (19) hit a parked car in our neighborhood. We are trying to decide if it is better to pay for the damages to car that he hit ($2500) without going through our insurance company or to report it to our company. The person's car that he hit is willing to let us pay out of pocket. My son had a previous at-fault accident and has 2 points now. His car is totaled. Concern is how much our insurance rates will go up and is it possible they will cancel our policy. (Money is coming out of his savings and he is bus bound).

Whats the best way to get the best insurance rates for car and home?

Whats the best way to get the best insurance rates for car and home? I have a 25,000 truck from 2010 that I'm paying 1500 a year for and a house which I'm paying 1400 a year for. I live in Colorado. I bought my first house this year and I'm thinking that I'm paying way to much for my house and truck? I'm thinking of going to an insurance agent although i'm not sure how to source a good one. Another big problem is I never have access to my service so I have a really hard time comparing policies. Anyone have any insight as to how I can get better control of this situation?""

How long does it take Home owners insurance to pay?

My house had a pipe burst, a guy from the insurance company came and took pictures of everything that got damaged. My xbox 360 was sitting in water and he took a picture of it. How long will it take till I know if they are going to cover it or not?""

How much would full coverage car insurance cost?

for a 2003 chevy impala 64,xxx thousand miles i am 21 with no accidents or tickets!!!""

""Where can I find affordable health insurance in the Neosho, MO. area?""

Where can I find affordable health insurance in the Neosho, MO. area?""

I'm uninsurable! How can I lower/get car insurance?

I am a insurance company's worst nightmare. 17 year old male, I have a job in a rough town, no experience and to top it all off I only finish work at 11pm so ill be driving at night. I have not passed my test yet but need the car for work. Whenever I use go compare or compare the market I am either quoted a stupid amount 10,000+ or I am uninsurable. I cannot get a box monitor installed because the car needs to be home at 11and I don't finish work untill then.""

Insurance cost for an 87 Fiero?

I'm considering purchasing an 87 Fiero and I am wondering roughly what insurance costs are like with these cars? Is it high or low? Considering the body panels are made of plastic I would think it's not too expensive to replace.

California Minimum Insurance Requirement?

Stated from the California DMV website: The minimum amount your insurance* must cover per accident is: * $15,000 for a single death or injury. * $30,000 for death or injury to more than one person. * $5,000 for property damage. Now when I signed up with Progressive Insurance and I don't elect uninsured motorist coverage it makes me sign a statement that I elected not to do so and is below the state minimum. Do I actually need uninsured motorist coverage?""

Buying a car and insurance?

The bank has pre-approved me for 11k. I have talked the dealer down to $8,500 for the truck i want. My insurance is going to be around $1,200 for 6 months. If i get the auto loan for 10k, will i be able to use the excess money to pay my insurance. I believe i read that the check from the bank will be written out to the dealer, but what will happen with the excess money?""

Pay as you go car insurance in UK?

Hi My Insurance will be expire in feb 2013, In june 2013 iam going in a holiday for long term, so i need car insurance only for 4-5 months, is there any kind of pay as you go car insurance,,,,i got 2 years of experience as a driver, so how much will they charge for 1 month.? thank u""

I was denied medcaid and chips for my 2yr son. Is there any other affordable insurance out there?

I was denied Medicaid which is understandable. I applied for Chips and was denied as well.......because I was $50 over the income guidelines. I don't receive any other kind of assistance. I can't afford the insurance at work. I pay my own tuition for school, my own groceries, and so on. I just would like to know if there is any other type of affordable insurance for my child.""

Where can I get cheap insurance for a performance car? I have tried the usual (confused.com etc etc)?

UK only please

Angie Louisiana Cheap car insurance quotes zip 70426

Which company is best for a first time driver to insure with ?

I am 17 in April and will be learning to drive and was wondering if anyone could recommend the best insurers Cheapest most reliable. please help ive been going round in circles.

Has anybody had Northern Neck Home owners or car Insurance are they good ?

Im thinking about changing insurance and they gave me real good quotes but i have never heard of them

How much less will my car insurance be when I turn 25?

I know you're considered in a lower-risk age bracket so your car insurance will be less but how do insurance companies calculate this reduction?

Does leasing a car affect insurance more than financing?

So because I don't technically own the car, will leasing a new car be more expensive than buying a new car... insurance wise? Or is there a negligable diffenence?""

Car insurance Premium?

(I have only had car insurance for about 6 months, so I am still pretty new to this). My question was that my 6 month renewal policy states that my premium is $728.86; however, when I first got with this company, I paid around $368 down because I am in that age bracket where they stereotype you as a bad driver. Will I have to pay the $368 again along with monthly payments of $66.60? Or will I just continue to pay my monthly payment as it is?""

What car insurance to choose? free easy 10 points?

I just want an insurance for 1 month for my car. I just called Halifax up and they said that the minimum period of insurance they do is 2 months so does anyone know of any insurers who do 1 month of car insurance thanks a lot

Which car in Canada has the lowest insurance rate?

I'm not talking about new cars btw, I'm talking about the old cars from 95-2002 the shitbox cars, I'm a student and I plan on getting my first car with my first insurance so I need to know what's a good starter/shitbox car with the lowest insurance costs. Thanks""

Cheapest Car Insurance here in Florida?

My wife will going to finance a car this month. A ford focus to be specific and its my first time to avail an Auto Insurance but I'm driving for four years in Philippines and I'm now 24 yrs old. Some advice what car insurance company is the cheapest for first time buyer and who doesn't have a credit history? My wife is 29 and we got our license here in Florida last month. I drive for more than 4 years and my wife just learned how to drive last year before we went here in US.

Good auto insurance deal?

Which insurance company in Toronto offers good deal for one or two company cars?

Will my dui affect my dad car insurance rate?

I got a dui and my licence is suspended and I currently don't have car insurance. Im not covered on my dads plan or any plan. When he gets new car insurance next month will this affect his insurance or no because im not on his anymore?

""What is the absolute best, maximum protection motorcycle insurance for me? 20/F 1st time rider.?""

I am willing to pay more, I just dont want to get cheap insurance that doesn't cover me. No subrogation clauses, I want to be covered as much as I possibly can. I am in TX. Is Allstate good? My car is under Allstate. I have heard Dairyland Insurance is good...anyone have experience with it? I dont have any tickets or violations on my record.""

Which insurance company is better.. AllState or MetLife?

My husband and I want to get a 20-year term life insurance next week and will meet with some reps./brokers. Down the road we will probably add auto and home insurance. If you are a customer of either company do you recommend them in regards to their required premiums and quality of service? Your imput is greatly appreciated. Thanks.

Car insurance help please?

so i stoped by at state farm agency last week and got a quote, she told told me to call her the next day if i wanted it. So i called and told her that i want it. They havent sent me my card in the mail yet. Last night i was in my neighborhood coming back home and this guy opened his door and hit the front of my car. The cop asked for my license and proof of insurance, i gave him the license and told him that i havent got the insurance card yet. He is giving me till tonight to provide it but when i called state farm they told me that i am not insured and that i have to call on Monday to talk to that same lady that i talked to when i got i. I dont know what to do, i have nevr been in a situation like this before. Please help""

What does term life insurance cover?

does term life insruance cover any death. Like lets say there is an earthquake and the insured dies.. would the term insurance cover it? or does the insured have to die of old age?

Does anyone know a cheap but good insurance company?

im 19 in dec and have been driving an year, with no incidents so far :) the company i was with has gone up! and they said they were gna go down, i know i can get a better deal sum were else so im not goin to stop with them, jus wunderd if anyone knew any good company's? please leave websites aswell :)""

Cheapest auto insurance?

Cheapest Car Insurance (UK) For 17 year old (guy) who just passed test?

Hi, What are the best insurance companies to go to for cheap car insurance for a just passed 17 year old guy? Ive tried go compare and compare the market, but their cheapest quotes were 3700 a year! Are there any good Insurers who arn't on comparison websites, I heard some offer you discounts if you go to them direct. Thanks!""

""How to significantly lower my car insurance, just got fired, can't afford more than $50 or so a month...?""

I'm only 18 and I was just fired from my first job, I worked there for 8 months or so. I still live at home and don't owe any money on credit cards, so my only real problem is car insurance/gas. My parents refuse to help me at all. I currently pay $133 a month in car insurance; I have Statefarm. I've been driving for a year or so and have been in 1 fender bender, my insurance didn't even go up because of it. I've been paying my own insurance for a few months, maybe 6 or so. Is there anyway I can lower my car insurance? One of my friends only pays $80 a month and he's my age. By the way, the car is a 2004, dark blue, not flashy, four door car. If the type of car matters at all. I'm not sure what the $133 a month I'm paying covers, but is there anyway I can pay less and have it cover less stuff? I'm a very safe driver and have never been in any type of accident my entire life (the fender bender was my boyfriends fault -- he was driving my car, not me). I live in Virginia. Is there like a $50 a month option or something that doesn't cover me or the person I hit if I were to get in an accident, and the $50 a month is just so I don't get pulled over and charged with driving without insurance? I need some options because I have very limited funds and I'm not sure how long it will take me to find a new job. Thank you for any help!""

Mandatory health insurance provision?

Should the federal judiciary act to either overturn or support the mandatory health insurance provision of the 2010 health care law?

I cant find car insurance for under 3 grand. im 17?

Im 17,male. got my driving test in a couple of weeks. I already have a car but i cant find insurance anywhere for what i can afford! the cheapest ive found is about 2800. my car is a 1.1 peugeot 1997 106 xl independance. I got this model thinking it would be cheaper to insure because its alarmed, you have to enter a code before you can start the engine. i cant afford to pay almost 3 grand! im lookin to pay 1100-1200. the only way ive found this is if i put it as my mums car and me as a named driver but i know this would be fraud... ive been told the company quinn is cheap but i called them and they quoted me around 3400... my postcode is in the low catagory or a or whatever and the car will be parked on a drive! any ideas?""

""Which is better, Term Insurance or Whole Life Insurance?""

Say you're newly married and the wife is pregnant. You have just bought a home and have a large mortgage. Which kind of insurance is best for a family, Term Insurance or Whole Life Insurance?""

Anyone know insurance groups?

need to know the insurance group dif between a standard 1993 mr2 and a 93 mr2 turbo

Will my insurance price change?

I've been on my parents insurance account for over a year with no accidents on my record and I pay 200 a month, so if I have my own account from my parents will there be any price changes of either raise or lower? I'm so confused""

Need help with my car insurance. . . ?

i need some help cos i'm pretty confused so i bought a car at the start of the year, took out a loan to get it, etc and I have been having no problems paying it off so that was going fine. than two months ago i had a huge crash which totalled my car. It wasn't deemed my fault or the other person's fault. I did have full comprehensive insurance, but i missed two payments. I remember recieving a letter saying if i kept missing these payments then my insurance would be cancelled. Than when i put my claim in to get my insurance on my car through after the crash, they said i had recieved a letter syaing that my insurance had been cancelled due to lack of payments. I'm confused, i didn't get that letter. now, i have no car and am still paying off that loan. Is there any way I can fix this. I don't think i would be able to get another loan for another car, and i don't want to put myself into that much debt, but i really do need a car help?!?!?!""

Cheapest car for a learner driver to insure?

my mums insurance wont insure anyone under 21 and my dads insurance want just under 3000, so i wondered which would be the cheapest car for a learner driver to insure? thanks xxx""

Angie Louisiana Cheap car insurance quotes zip 70426

Do South Carolina auto insurance laws require me to carry my own liability insurance when driving a rental car?

I don't currently own a car and so haven't had a need to carry my own liability auto insurance in quite awhile. Is it legal for me to drive a rental car or even a car owned by my sister who does have insurance in South Carolina? Will I have to purchase my own liability insurance to legally drive anyone else's car in South Carolina?

How much will my car insurance cost?

(I dont know anything about cars or insurance so please bare with me!)Okay so i'm 20, female and I have a Vauxhall Corsa 1998. I got it when i was 19 and i'm paying A LOT for my insurance- 199 a MONTH! This is my first car and I bought it in December 2011. Anyway, its due for renewal in October. Im insured third party fire and theft. Bought the car for 600, I live in London. My question is how much will my insurance cost when i renew it? The reason i'm asking is because I don't want to call my insurance company and ask them, cos if they tell me a price and its still very high i'll just panic and agree to it without looking around. Will it go down by much? I haven't made any claims or anything like that!! my excess is 250 if it helps. Thanks! ... I realise that you probably won't be able to give me accurate quote- but anything will help!""

In what way has the affordable health care act made health care more affordable? My insurance just went up 34%?

And don't tell me that a 34% increase in one year is normal !!!

In the state of Florida do I still need insurance if i'm wearing a helmet on a motorcycle.?

My friend said if i'm wearing a helmet on my motorcycle I am not required to have motorcycle insurance. Is this true? If it is, are there any other rules to this or something?""

My car was taken to the compound on friday in the uk when the driver was found to have no insurance.....?

However i have got insurance and so when i go to the station to have the form stamped so i can go to the compound and collect my car back, The police tell me i have to produce my licence as well...problem is i cant find it.. so i go to dvla internet site and order form to get a new licence....But this can take 3 weeks to come back and unfortunately the car gets crushed in 2 weeks, But the law says i can continue driving even tho i havent got my licence card ...because i do have a licence but its been lost and im waiting on my new one coming.A Please dont answer if you are only speculating on what you think you know i havent got time to read brain dead answers from all you dick eds on here. Nor do i want your personal opinion on the situation as it is a Question.. put on a Question Board wanting an answer...Not a message board asking for your opinion so use the board as it should be used and stick to the rules...answer the question ...if you cant ...then dont waste my time and yours""

How do I get Cheap Car Insurance?

I am looking at buying a car for the first time in 8 years. So the problem is that I do not have any No Claims Discount for my insurance. Even though I am 40 years old, clean driving license, no convictions etc, I am being quoted over 400 TPF&T for a 1.4L Astra of Golf even with my retired Mum added as a named driver. I am an office worker, single, won't use it for commuting and will do less than 8000 miles a year. It will sit parked on the street for 4 or 5 days of the week. Does anyone have any top tips for reducing car insurance? It seems daft to be paying over 400 to insure a car that costs under 2000 Thanks Paul""

How can a full time college student over age 26 get health insurance?

What are our options?

When buying a car what detirmines how cheap insurance will be?

I am currently Looking for a new car and am trying to get the best rate for insurance as possible what features add to or detract from insurance costs thank you

What is the difference between whole and term life insurance? what is a unit?

Does a speeding ticket raise insurance rates for new drivers?

I just got a speeding ticket for going 15 over. It's my first one and i have never gotten in trouble with the police before. But, I am only 17 and got my license only 9 months ago. If I just pay the ticket and dont go to court, how much more money will my insurance company charge me?""

Drink driving insurance?

I was convicted of drink driving last year. Just got my driving licence back. Does anybody know where I can get cheap car insurance, theres loads of companies that say they specialise in convicted driver insurance but some of the prices I have been quoted have been astronomical. 1000+, Ive tried all the comparison sites, is there any companies out there that specialise in providing insurance for convicted drink drivers?""

How much will my dad's car insurance rate go up when he adds my name?

how much will my dad's car insurance rate go up when he adds my name? he has great credit and he has only gotten like 3 tickets in his entire life. my driver's ed teacher told me that my dad's rate won't be so high cuz i get A's in school. + i got a 96 on my permit test with an A for the class aswell. so is that true? how will the insurance company know my grades tho?

How much would my car insurance go down average?

hi everyone, i am 18 and still on my 1st year car insurance paying 177 a month/2200 a year. 1 litre vauxhall corsa. just wanted an estimate on how much it would go down after the 1st year with no claims from expierienced drivers. thanks :).""

Help me find health insurance quick!! please!?

I dunno if I'm overreacting, but I've been researching esophigal cancer ( I was sick a lot a couple years ago, but I never thought it was long enough period of time, or frequent enough to cause any damage) and I would like to be checked out. It actually seems the more I read, the more i seem to feel like I'm having symptoms right now... I have been known to be a worrier... Could I worry myself to the point of feeling like my throat is burning? or that I'm burping a lot? (i'm probably swallowing lots of air right now ] and coughing (i've been known to gag and cough when I worry myself) I would like to go to the doctor asap, could someone please help me find an affordable health insurance plan. My zip is 16066, if that matters.. Thank you""

Car Insurance for 17 year old? UK?

I've tried calling companies - they all say 'We cannot give you a quote' Comparison websites - 'cannot quote' How am i supposed to get insurance... i dont mind paying anything up to 7000 I've tried with 3 different cars... even a 1.0L and still no quotes.

Do insurance rates always go up after fender benders? even super minor ones?

I was in a minor parking lot fender bender, more like fender TAPPING if you ask me, neither car has more of a scratch, I am pretty sure that she is more at fault in this situation because when we tapped i was all the way out my my parking space and she was only out about half way, hence why our bumpers tapped on both of our rear passenger corners. she has a witness claiming they saw the whole thing and that I hit her, but regardless of if my car tapped hers or her car tapped mine, I was all the way out of my space and she was the one who wasn't looking enough to not hit me. I was about to shift into drive right when we tapped, I had my foot on the brake, which is probably why we didn't hit hard enough to do any more damage than a scratch. ANYWAY she is basically making a huge deal about a small *** scratch on her 1998 honda in which i am sure that she is at fault for. in maryland, I have always been told that parking lot accidents are equal fault cases no matter what. she called me 3 days after the incident and also called my house number(which i did NOT give her!!! creepy) she got mad that I called the police for advice on what to do and said she is going to go through my insurance to get things settled. m my question is, will my insurance go up if she files a claim using my insurqnce info? even though the repair for her tiny scratch couldn't possibly cost more than 200 bucks? It is so small i feel like someone at a body shop could buff it out for even less than 100, maybe even 50. it just baffles me that someone would make such a big deal over a scratch that is less than an inch, especially when my scratches are deeper and longer than hers! you can tell by the direction that my scratch was in that she was the one who hit me, because of where the paint was pushed.""

I got a ticket in my friends car..will it affect her insurance?

okay so yesterday i got a ticket in my friends car..and the cop said i might have to go traffic school or i might just get lucky and just have to mail something back when my ticket comes into the mail hopefully that's wat happens but anyway im just wondering does my getting a ticket in her car mean her insurance goes up? or anything happen to her sinces its her car?? i havent even told her i got the ticket yet lol i was hoping that i could just hide it but my friend said her insurance will go up because of me :(

Best/Cheapest car for 18 year old? (uk)?

hi i am a male 18 year old, university student I passed my test in August 2009. Im looking to get insured on june 1st 2010 Im looking to buy a car which would give me the cheapest insurance possible. Budget for car = 700 budget for insurance = max 1500 a year this is excluding mot and tax ....those can be paid for easily""

Switching insurance - will my accutane be covered??

In a weird spot - will be switching insurance within a month and a half... but i'm just starting accutane now... will the treatment be covered when i switch health insurance companies?! please help!

What's the Cheapest Car insurance for First Time Driver?

I just wanna have the cheapest car insurance. I dont need the insurance cover anything. just the cheapest! which company would be the best except geico, progressive or Liberty Matual? Something else?""

My car was stolen....how much is my insurance gonna go up ?

my loan is 25,000""

How much do you pay for teen car insurance per 6 month?

We have 2 cars 01 camry and 98 nissan. I am 18 , dad is 54 and we pay 35004+ for 6 months . Is that high?""

What is the car insurance system in UK? How much and what else?

Let's say I bought a car with insurance group 20 what do I have to pay per year. I know for the 1 st year I need to pay 1000 and then half of it for the later years. Except that what taxes and all do I have to pay? How much is it gonna cost to afford a car with all the legal issues?

How does and underage affect insurance?

A friend of mine was just charged with an underage but was accepted into the ARD program. We are wondering how this is going to affect her auto insurance policy.

California 50cc scooter laws?

a 50cc scooter the kind that you sit on and seats 2 goes about 40 mph does it need to be registered in ca and have insurance on it? do i need a motorcycle class license to drive it? or anything else i should know about driving it in california? riverside county.

Angie Louisiana Cheap car insurance quotes zip 70426

https://www.linkedin.com/pulse/car-mass-1100kg-starting-from-rest-reaches-speed-18ms-anthony-sweet/"

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