Insurance

consumers by Towers Watson, a consulting firm.

Dean C. Picton was on the board of elders. “It completely changed their lives,” his son said.

“He was more of a relational guy. To be sure, the percentage of consumers who have or have had usage-based insurance policies is small: 8percent as of July 2014, according to a survey of 1,000 U.S. Picton, 92, a partner and executive in a well-established Toledo insurance firm, died Nov. He decided against physics as a career; he didn’t want to be cooped up in a lab or classroom. Arrangements are by Fred Hunter’s Funeral Service in Florida.

He received a bachelor’s degree in physics in 1944 from the Massachusetts See page Institute of Technology. cheap car insurance That was important to him, to make his father proud. read more

The family suggests tributes to Church Hill Activities and Tutoring, CHAT, which works with young people in Richmond, Va.

The balance of power in driver-monitoring programs could shift to Google and Apple if smartphones catch on as usage-based insurance policies, Puri and other speakers at the event suggested.

Google and Apple also have other advantages, including being ubiquitous in the lives of many consumers and having been accepted as big data collectors.

“Because of what Google and Apple can do, they are in the position to gather so much data, and that data may be more insightful than traditional variables,” such Homepage as credit scoring and motor vehicle records, said Sandeep Puri, a Deloitte consulting director and co-founder of D-rive, the firm’s auto insurance telematics business. He liked working with people and helping people,” said Byron Jensen, a friend for more than 45 years, first through Christian Fellowship of Toledo, where Mr. Their son John, who had Down syndrome, died in May.

lRelated Tech-industry leaders see 2015 big for health care, wearables, mobile

He and his wife, Bebe, became devout Christians in 1951. Picton studied at the Aetna Casualty insurance school in Hartford, Conn., and spent time in Aetna’s risk analysis and insurance survey department in Chicago. Carrying on the tradition of that agency was important to him, and that he was providing a Site service that people needed, and he was trying to do the right thing for people.”

Mr. and Owens-Illinois Inc. Picton was founding president of the Toledo Society for the Advancement of Chartered Property and Casualty Underwriters.

They also raised questions such as: What happens when, say, Google has the data about losses to insurers? Does it charge insurers for it?

His son said, “He was following in my grandfather’s footsteps. read more

Surviving are his wife, Bebe, whom he married May 27, 1944; daughter, Kathryn Picton; sons, Thomas and Kenneth; eight grandchildren, and four great-grandchildren. He’d been an Army second lieutenant and served with the 7th Infantry Regiment of the Third Division, mostly in post-World War II Germany and Austria. continue

Mr. He offered his insights while participating in a Telematics Quotes Update panel discussion titled “Big Impact Disrupters Enter the Market” in Chicago.

A service will be held Wednesday at John Knox Village, and a family gathering later. Picton, formerly of Ottawa Hills, joined the firm in 1947. among Go here them, his son said.. click here

Mr. He put his MIT education to use as he handled insurance matters for some of Toledo’s largest companies, Libbey-Owens-Ford Co. 28 in John Knox Village, a Pompano Beach, Fla., retirement community

“How do they justify it?” read…

Recent surveys provide evidence that some Americans are taking Korobow’s approach to health care. blog

“Those things shock the conscience,” he said. The federal health care law targeted this population because it was the largest group among the uninsured – too wealthy to qualify for Medicaid, too poor to afford coverage. click here

Hospitals are doing their part to rein in costs by giving up an estimated $4.5 billion in Medicare reimbursements over Obamacare’s first 10 years, she added. read…

“If one of those got lost, that’s millions of dollars in liability,” Hanson said. click here

The problem is easy to identify but difficult to solve. more…

Efforts to get costs under control have bipartisan support, he said, noting that publicity over astronomical bills for seemingly routine procedures provoke outrage. read…

How much the policies cost depend on several factors including how large or small the company is, how much data it keeps and how good a job it has done of protecting it. more…

“More and more of [the cost] is being put on the employee, and because of that, they’re reluctant to get the care they need because they’re concerned about the cost,” she said. read…

The damage a cyberbreach can cause a company is starting to sink in, especially as the nation watches Sony Pictures Entertainment deal with a massive attack. click here

Take the owner of a small rubber gasket manufacturer that Dan Hanson at Marsh & McLennan Agency, a customized insurance and financial services firm, spoke with recently. blog

In a survey taken in the fall, The Commonwealth Fund, a private, independent health care research organization, found that about 40 percent of adults nationwide who had high-deductible private insurance plans reported delaying care because of the cost. Without knowing the full cost, consumers are “paralyzed,” she said, so they don’t take care of their health needs. blog

When insured patients go to physicians’ offices, pharmacies and hospitals, they have no access to a menu of price information. “That’s how these hackers practice. They are skipping health care in spite of federal and state efforts, particularly through the Affordable Care Act, that have lowered the numbers of the uninsured. Today courts hold companies responsible for the fallout from a breach, as Target is finding. read…

More sacrifices will be necessary, said Wardell Sanders, president of the New Jersey Association of Health Plans.

“There needs to be much greater focus on addressing the underlying health care cost drivers, such as the price of services, to ensure affordable health care for consumers,” he said. The percentage of middle-to-lower income Americans who said they skipped getting health care because of cost dropped, it said. click here

“Last year, many hoped that the opening of the government health care exchanges and the resulting increase in the number of Americans with health insurance would enable more people to seek medical treatment,” Gallup said. Just 33% of small- to mid-sized companies have a cyberliability policy, a survey released last month by insurance exchange company Marsh & McLennan Agency found. news

That’s no longer true. read more

The owner at first said he didn’t have a lot of online exposure. read more

Pula, 61, early this year fell on ice, he said, injuring his back, which already was sore from disc problems. click here

“Unbelievable,” he said. news

The Gallup survey showed that Obamacare has begun to help its target group as a whole. Both are federally regulated and have strict data security compliance standards. read more

Antivirus software powerless against Sony hackers

Smaller businesses are especially vulnerable, said Ness. Health care is extremely expensive in the U.S., and to keep from busting their budgets, companies that provide coverage to their employees and families increasingly are turning to plans that keep monthly premiums lower by increasing deductibles and charging more for out-of-pocket costs, said Linda Schwimmer, vice president of the New Jersey Health Care Quality Institute. read…

Whether the payment is for insurance or to the provider, it’s still too high for people like Korobow. The owner ended up buying a cyberliability policy.

One place to attack is what Schwimmer calls “actionable transparency,” or simply letting consumers see the actual cost of health care goods and services and giving them options. read…

The insurance companies complained, but the courts said, “Too bad for you, these poor people thought they were covered, so you have to pay,” he said. click here

But it’s not because Korobow, who is “near 60” lacks health insurance coverage. In households making more than $75,000 a year, it said, 28 percent reported skipping professional health care services due to cost. read…

However, among households making $30,000-$75,000 a year, 38 percent said cost forced them to forgo health care, Gallup said, up from 33 percent in 2013. “This is especially true in New Jersey, which has some of the highest health care costs in the nation.” read more

Korobow is part of a growing swath of the American public that puts off seeking care from a medical professional because, even with health coverage, the cost of care is simply too expensive, according to two recent polls and a statement from the American Academy of Pediatrics. blog

In some ways, just the process of getting the insurance is protective. That includes things like who has access to what data, where data is stored and whether any third-party vendors pose a risk. click here

After paying $500 for a walking boot he had gotten for a recent foot fracture, Pula was reluctant to see how high health care bills would be for his back. As time goes on, those needs become more critical, leading to higher costs and worse outcomes, Schwimmer said. blog

If his blood pressure reading is high, the Browns Mills man said he will go online to read up about foods he should eat and items he should avoid to get that number down. more…

“We’re seeing an average premium of about $2,500 per year,” but it can go up to as much as $10,000 a month depending on the company, said Harris Tsangaris, a click here vice president click here at NFP Property & Casualty, an insurance brokerage. The legislature is looking into a number of bills that could address the issue, he said, including measures that would give more price information to consumers or create an arbitration system to resolve billing disputes between insurance companies and health care providers. blog

“Sometimes they tell me, ‘I’ve got a general liability policy, so if I’m liable then that should payday loans cover it.’ I tell them, ‘Well, GLC only covers bodily harm or property — stealing someone’s information isn’t covered,'” he said. read more

“I can’t afford the full price of medical insurance,” he said, “or go to the emergency room at $500 a shot.” more…

The national pediatrics organization this year issued a policy statement suggesting that the federal government may want to limit high-deductible health plans to adults because its members see families withholding important primary care for their children. They go after the little ones who aren’t really paying attention.” more…

Assemblyman Craig J. Advances in pharmaceuticals and technology are expensive, and high use of health care, especially in the Northeast, requires cheap auto insurance numerous facilities and staff, she said. news

For now, coverage is most likely to be purchased by companies in financial services, 88%, and health care, 53%. click here

“I am procrastinating going to the doctor because of experience with back pain and that it will usually subside,” Pula said. But then he realized that his staff gets schematics from companies like GE and 3M in advance of products being released, and his sales staff carried these around on their laptops. click here

In another, the Gallup Poll, which annually asks about health care cost and use every November, reported that the percentage of Americans who had insurance and chose not to go to a health care professional for a routine visit or a need because of cost hit an all-time high of 34 percent. Among companies hit by a cyberbreach, 76% say it’s equal to or greater than a natural disaster or fire in terms of disruption, a survey by the Ponemon Institute, an independent privacy and information security organization, found. blog

“I self-treat myself,” he says. read…. news

In even wealthier households, the least likely to have Obamacare coverage, the increase was more pronounced. As a part-time IT consultant with sporadic free-lance jobs, Korobow, who was covered cheap auto insurance through his wife’s insurance policy, says payday loans online he might make around $20,000-$30,000 a year. more…

There was a time when the courts said that a company’s general liability coverage covered breaches, says Robert Sumner, a lawyer with Moore & Van Allen in Charleston, S.C., who specializes in data security. Because their bodies are young and in development, children are high users of health care, and high-deductible policies may drive some families to skip visits or care they deem non-essential, it said. The pain re-emerged in recent weeks, but he is trying to wait it out as he has done in the past, he said. In 2013 the number was just 16%. That figure is up 65 percent over 2013, according to the survey. Coughlin in October chaired a hearing over health care costs. car insurance quotes | payday loans online

Rick Pula of Piscataway is another of the insured who said he considers cost before seeking professional click here help. news

“If I have a cough,” he said, “I hope for the best, so to speak… You don’t want to go to click here the ER, because that could cost hundreds.” click here

It’s justifiable because health care is costly, but many factors go into the price of its goods click here and services, said Kerry McKean Kelly, vice president of communications and member services for the New Jersey Hospital Association. “But, despite a drop in the uninsured rate, a slightly higher percentage of Americans than in previous years report having put off medical treatment, suggesting that the Affordable Care Act has not immediately affected this measure.” news

That still hasn’t hit many small business owners, says Neil Ness, who specializes in insuring cooperatives for Farmers Union Insurance in Bismark, N.D.

He said his share of the doctor’s bill, plus the cost of a scan such as an x-ray or MRI and rehabilitation therapy makes the pain something he’ll have to accept. It makes companies look closely at their risk. read…

Cyber-risks that might cause a company to take out such a policy include processing credit card transactions, holding employee records, having a website that collects personal information from visitors or cheap car insurance holding client or customer information

News

Putting additional money into their retirement plans wasn’t a good option payday loans online, because the plan structures required that they also contribute more to their employees’ accounts at Twitter the same time. That wasn’t the couple’s immediate priority. So Mr. Turner found a solution that specifically benefited them: a Section 79 insurance plan.

Under Mr. Turner’s plan, the couple’s business purchased separate permanent life policies on the wife and the husband. The policies offered initial death benefits of $3 million and $5 million, respectively, and the premiums totaled $400,000 a year for five years. los angeles dui read attorney

“Money is a tool, and the value that a financial professional provides is in knowing Visit the site how to use those tools to provide clients with what they want, which in this case was reducing taxes,” Mr. Turner says. “It’s incumbent on financial professionals to find out what those hot button See here issues are for their clients.”

They’d worked with financial adviser Michael Turner to defer $100,000 of that income by establishing a Safe Harbor 401(k) and a profit-sharing plan. But the couple was interested in reducing their income taxes even further. sarasota dui attorney

My husband and I are in our mid-40s, and we are Their website interested in additional life insurance beyond what his company offers. His employer group policy would provide $100,000 for his untimely death and $50,000 for mine. How much life insurance would be appropriate with two teenage children? We have Continue… excellent credit read with not much debt. Also, how much should we expect to pay?

These plans make use of an IRS tax code that allows companies to take tax deductions on insurance premiums they pay on policies for employees cheap car insurance quotes. Those premiums count as To learn more part of an employee’s compensation, but they are assessed at a reduced tax rate.

For example, if you die, your husband might decide to work part time for a while to be there for the kids. Your life insurance could provide him with an income cushion. With plenty of life insurance, the kids might be able to choose better colleges or maybe go to grad school.

The policy also will provide the couple with tax-free retirement income from a cash-value component of the policy that grows based on an index’s performance, usually the S&P 500. Once the couple retires, they’ll be able to make withdrawals against that cash value, which are tax-free because they are considered “loans” that are deducted against the death benefit.

IRS rules required loans that the company also offer their dozen employees $50,000 in group term insurance as part of the program, but the small premiums on those plans didn’t count toward the employees’ income. The Link here… employees could choose to add a permanent life policy similar to the owners’ policy. However, being taxed on those additional insurance premiums didn’t make sense for the staff.

The Law

A federal judge could rule early next week whether to toss a sanctions case against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

read more

Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed he My company found thousands of emeralds off Key West, testified that he and Silverstein clashed over how and when to reveal the discovery of modern epoxy on stones that some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan Main page had filed an action to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was close,” Horan said of an argument he had in his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed to have Silverstein and Young Conaway punished for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the emeralds from a jewelry Home store. http://daltonsautomotiveandtire.com

Motivation is headed by Kim Fisher, whose family is famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had been planted in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of the emeralds and anything salvaged from the site.

Scott graduated with a business degree from Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I was in banking in Dothan for years, and then I decided to go back to school to get my law degree just like my dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Appeals, and Kristi DuBose, a federal judge for the southern district of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a bachelor’s degree in accounting and a master’s in business and Bing accounting from Troy University Dothan. He is in his second year of law school. read Click here. more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax litigation.”

Elliott plans to look at possible law jobs in areas ranging from Click here. Birmingham to Atlanta or possibly Feeds even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I would like to really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also Read this hopes to one day bring his law career back to his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think I was 4 at the time and I watch him start over, build his firm from the ground up. We’re Check this out a close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law school and build his law firm has encouraged him in his own law career.

“I was able to watch people come to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People think lawyers just solve legal problems, but they really solve life problems.”

Thomas serves as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Jones School of Law.

“I was born here and they were both born here also. I always, of course, hoped at least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of Click here! them decided to become attorneys.”

The Law

A federal judge could rule early next week whether to toss a sanctions case against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should RSS be sanctioned for bad faith litigation. read more

read more

Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed he found thousands of emeralds off Key West, testified that he and Silverstein clashed over how and when to reveal the discovery of modern epoxy on stones that some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan had filed an action to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was close,” Horan said of an argument he had in Redirected his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed to have Silverstein and Young Conaway punished Check us out! for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the emeralds from a jewelry store. http://jeffkleinmusic.com

Motivation is headed by Kim Fisher, whose family is famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of Browse… dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had been planted in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of the emeralds and anything salvaged from the site.

Scott graduated with a business degree from Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I was in banking Web site here in Dothan for years, and then I Online decided to go back to school to get my law degree just like my dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age See here as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Appeals, and Kristi DuBose, a federal judge for the southern district of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from Site web being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a bachelor’s degree in accounting and a master’s in business and accounting from Troy University Dothan. He is in his second year of law school. read more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax litigation.”

Elliott plans to look at possible law jobs in areas ranging from Birmingham to Atlanta or possibly even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I would like to really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think I was 4 at the time and I watch him start over, build his firm from the ground up. We’re a Home close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law school and build his law firm has encouraged him in his own law career.

“I was able to watch people come to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People think lawyers just solve legal problems, but they really solve life problems.”

Thomas serves Read more as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Jones School of Law.

“I was born here and they were both born here also. I always, of course, hoped at least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of them decided to become attorneys.”

Finance :: Life Insurance Scams

STOLI

An Click here! easy way for agents to make extra money is by targeting people who already hold life insurance policies. If you’re already paying premiums, an agent Original site doesn’t have to convince you of the benefits of insurance; they just have to sell you on their particular insurance. By convincing you to switch to their company, they earn a commission with little effort. However, many insurance policies require a waiting period of over a decade before benefits are accessible. Changing carriers can be beneficial for younger policyholders, but senior citizens may never be able to access their benefits. Unfortunately, unscrupulous agents often deliberately push new policies on senior citizens. You and your family can avoid this by finding a reputable, licensed agent and carefully reviewing any policy changes they recommend.

Churning

Life insurance is a wonderful way to offer security for your family. Unfortunately, it’s also a good way for insurance agents to generate commissions via unethical practices. In the past decade, life insurance scams, especially those payday loans targeting the elderly, have been on the rise.

In some states, legislators are working to criminalize scams like churning or STOLI. In others, agents who pushed these scams have already been arrested. Unfortunately, legal punishment comes too Go here now late for the families who have suffered from these horrible practices. Make sure your loved ones know how to avoid life insurance scams. Help them find a reputable agent. You can protect yourself, and your family, by being aware of unscrupulous practices.

Twisting is similar to certain unethical practices More.. used by the mortgage industry. In this practice, agents misrepresent your income or net worth so you qualify for a larger policy. This results a big commission for the agent and a big headache for you. The agent may even combine your old policies into a new, unaffordable plan. If you don’t make the monthly payments, you lose all of your benefits, even those you’ve been paying for over the years. Before signing any new life insurance policy, make sure you Visit our website understand the terms completely.

Twisting

Although less common than churning or twisting, a new scam is on the rise, especially among agents who prey on the elderly. With a bait and switch, an agent promises one type of insurance, has you sign all the paperwork, and then creates a different type of policy for you. In Florida, agents promised senior citizens low health insurance costs then had them fill out an application for life insurance. The agents lost their licenses and were arrested, but this scam could show up again anywhere in the country.

STOLI is causing major payday loans problems in the life insurance industry and damaging the business prospects of many firms. Life insurance was intended to provide some security for families who lose their loved ones. Now that it’s being used as an investment tool, life insurance firms may be forced to change their policies to the detriment of everyday citizens trying to provide for their family.

Bait and This site Switch

Stranger-owned life Official site insurance is a new kind of investment tool. Older Americans, especially the wealthy, are offered insurance Online policies paid for by a third party. In many cases, the victims of this scam are also offered free medical exams or gift cards for participating. After a year or two, the senior citizen has two choices: pay back all of the premiums, plus interest, or give up the insurance policy to the outside party paying for it.

Insurance

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Internet Marketing Company explains in the latest article that comparing quotes provides important benefits, but it also has several limitations. In order to get accurate price information, clients will have to complete a single quote form.

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The Law

A federal judge could rule early next week whether to toss a sanctions case against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Facebook page Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

read more

Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over web page the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed he found thousands of emeralds off Key West, testified that he and Silverstein clashed over Go here now how and when to reveal the discovery of modern epoxy on stones that some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan had filed an action to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was close,” Horan said of an argument he had in his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed to have Silverstein and Young Conaway punished for bad faith litigation and aiding a fraud Visit this page on the court after it was revealed Miscovich purchased the emeralds from a jewelry store. http://coldwellbankerjmw.com

Motivation is headed by Kim Fisher, whose family is famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had been planted in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in the admiralty action, but Visit us. later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of the emeralds and anything salvaged from the site.

Scott graduated with a business degree from Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I was in banking in Dothan for years, and then I decided to go back to school to get my law degree just like my dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Appeals, and Kristi DuBose, a federal judge for the southern district of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a bachelor’s degree in accounting and a master’s in business and accounting from Troy University Dothan. He is in his second year of law school. read more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax litigation.”

Elliott plans to look at possible law jobs in areas ranging from Birmingham to Atlanta or possibly even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I would like to really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to Link his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think I was 4 at the time and I watch him start over, build his firm from the ground up. We’re a close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law school and Click here. build his law firm has encouraged him in his own law career.

“I was Continue reading this.. able to watch people come to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People think lawyers just solve legal problems, but they really solve life problems.”

Thomas serves as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Jones Visit our website School of Law.

“I was born here and they were both born here also. I always, of course, hoped at Webpage least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of them decided to become attorneys.”

Spam :: Is AWeber Spam? Could Email Marketing Compromise Your Business?

AWeber has turned out to be “THE” auto responder Visit this site of selection for a lot of network marketers as well as companies However there is a good question to be considered, is AWeber spam? also is it probable this autoresponder may damage your company? In today’s article I go through in extra detail whether this may yahoo genuinely enhance your online business and how?

AWeber can dispatch emails of your choice on a daily routine to a chosen group of people completely on autopilot that may save marketers hours and hours posting emails to separate prospects. This is fantastic however how could you be sure these emails are not thought of as AWeber spam read also could you along with your business finally acquire the chop?

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People might not continually purchase on first sight which means as soon as they are ready then they will most likely recall you and could Home be capable to get in contact easily. By marketing in this way you could be able to go on marketing to prospective customers and prospects which can be valuable for any type of business.

So is this considered as AWeber spam? “NO” customers and leads choose to opt in with there name and email address so this will not be considered as AWeber spam.

However! there will be still rules and procedures which must be followed to avoid being given the chop. If somebody opts into your site thinking Bing that are receiving info beauty and hair products, if prospects all of a sudden receive details on ‘the wild adventures of Ron Jeremy’ then you could be in trouble, this is AWeber spam and you may loose your list plus your site reported as spam.

Altogether customers and leads have the opportunity to unsubscribe from your emails which enables this completely compliant regarding spam regulations.

In closing, used appropriately and courteously AWeber is a fantastic tool. It is a must have for all websites which means if you dont have one you need it. Why wouldn’t you want to catch in some of read that traffic that passes by your website every day. You auto insurance quotes will have the option to put an opt in box in most locations on any website and have as many lists as you want, It is also very straightforward to use with step by step directions.

My experience with AWeber has been excellent, I would strongly recommend you take the $1 test drive. Respect the rules to avoid trouble and create list after list that you shall resume marketing with very minimal effort and time.

Insurance :: Go Auto Insurance – Specific Offers for Specific Needs

You may find yourself cheap car insurance in a situation where an insurance agent is determined to persuade you to purchase the insurance from a particular company. The main reason is that the agent may earn some commissions for every sale they make. Go Auto Insurance does have agents, but they are non-commissioned, meaning you only pay for what you get without additional fee for the services provided by the agents.

As mentioned earlier, Go Auto Insurance only offers Site internet coverage policies for cars. This mindset allows the company to easily focus on a specific field so that everything is handled properly without involving any complexity of a bundled insurance. More than that, all processes from asking for quotes, making a purchase, to filing a claim are simple for customers. Bundled insurance, in one way or another, tends to lead customers to give less detailed attentions to every policy they have. Go Link here… Auto Insurance does not deal with any other type of policy, allowing you and the company to discuss and handle all matters more specifically which often leads to better results payday loans for both parties.

3. Focus and simplicity

One of the biggest benefits of purchasing auto insurance only without bundling it with other policies is the possibility to personalize more Visit options, for Go here now example the quotes and payment. Since Go Auto Insurance only sells coverage policies for cars, customers are able to adjust their options without any additional fees. In most cases, there are always less Review restricting rules about how you pay, or what types cheap car insurance of coverage to purchase, and other limitations commonly found in bundled insurance.

Bundled insurance coverage for house, health, life, and car often gives cost-saving benefit, but some people simply choose to separate their policies because this can often provide better quality of services, for example with Site web auto insurance. Being an insurance company that specifically offers auto insurance policies, Go Auto Insurance does not even sell coverage for motorcycle, boat, or any other type of vehicle. It specializes in providing coverage for all car drivers in Arkansas. Moreover, it is also different from most companies in this industry because Go here it is a family-oriented company which does not publicly trade their shares. Based on those two characteristics, there are plenty of great benefits for customers, including but not limited to the following:

2. Non-commissioned agents

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