Insurance Appraisal Process – A Policyholder’s Best Chance to Resolve an Insurance Claim Dispute!

Many homeowners and business owners find themselves disagreeing with their insurance company’s analysis of their insurance claim. However, most are unaware that they can dispute the insurance company’s findings via the insurance appraisal process! Even though the policyholder (you) submits a contractor’s estimate, receipts for repairs or materials, or even photos showing damages that the insurance company did not include for repairs… they still won’t budge.

Most policyholders are unaware of how to dispute and resolve their claim with the insurance company. Policyholders have a choice and a voice within their policy for this very purpose. It’s called The Appraisal Clause – also know as The Appraisal Provision. Now, don’t let this scare you. It may seem like a fancy clause that would take a law degree to understand. However, a simple way to understand it is that it’s the insurance industry’s version of arbitration. Although similar, the Appraisal Process is NOT an arbitration or mediation and the umpire is not an arbitrator, mediator, or judge. Insurance Appraisal, Mediation, and Arbitration are separate things.

In short; Arbitration requires attorneys and a legal process, where Insurance Appraisal does not require attorneys or a legal process. Arbitration is a dispute between two parties for any reason, where as, the Insurance Appraisal Process is a dispute between the “value or cost,” to repair or replace property only – bee it an automobile, plane, train, couch, house, commercial building, etc.

Most Policies Have the Appraisal Clause

If you feel you’re at a dead end with your insurance company and want to resolve your claim you’ll need to check your policy for the Appraisal Clause. Most policies will have the provision listed under the “What to do after a loss,” section or the “Conditions” section of the policy. Below, you will find a sample of a typical Insurance Appraisal Clause included in most policies. Keep in mind that policies can be different in each state. Therefore, you should read your own policy to see if this clause exists. It will say something similar to the following ;

“APPRAISAL – If you and we fail to agree on the amount of loss, either one can demand that the amount of the loss be set by appraisal. If either makes a written demand for appraisal, each shall select a competent, independent appraiser. Each shall notify the other of the appraiser’s identity within 20 days of receipt of the written demand. The two appraisers shall then select a competent, impartial umpire. If the two appraisers are unable to agree upon an umpire within 15 days, you or we can ask a judge of a court of record in the state where the residence premises is located to select an umpire. The appraisers shall then set the amount of the loss. If the appraisers fail to agree within a reasonable time, they shall submit their differences to the umpire. Written agreement signed by any two of these three shall set the amount of the loss.”

OK, But How Does the Insurance Appraisal Process Work?
The Appraisal Process allows the policyholder (you) to hire an independent appraiser to determine the value of their damages. In turn, the insurance company will also hire their own independent appraiser. The two appraisers will then get together and select an umpire. The umpire is basically the arbitrator, or what you might call the judge. If a disagreement between the two appraisers arises, they can present their differences to the umpire who will make a ruling.

OK; so far so good, the basics of the insurance appraisal process are beginning to come together. We have an independent appraiser for the policyholder. We have an independent appraiser for the insurance company. Finally, there is an Umpire. These three individuals are known as The Appraisal Panel. The object of the Appraisal Panel is to set or determine The Amount of Loss. The Amount of Loss is the total dollar amount needed to return the damaged property back to its original condition, either by repair or replacement.

Once the Appraisal Panel is set, the policyholder’s chosen appraiser and the insurance company’s chosen appraiser will review the documents, estimates, and differences between them. The two independent appraisers will try to discuss and resolve the differences in damage and in cost. For example; the insurance company may determine that brick on a home does not need to be replaced. Where as, the contractor or appraiser for the policyholder says that it does have to be replaced. The two appraisers will discuss their reasons for their position and try to come to an agreement, first if it should be repaired or replaced, and secondly the cost to return the brick back to it’s original condition prior to the loss.

One benefit of the Insurance Appraisal Process is that the two independent appraisers have not been subject to the bickering and anger between the policyholder and the insurance company. Basically, it’s the hope that cooler heads will prevail. All the appraisers really have is the amount of the damage and the difference between the two estimate numbers. They do not have the previous baggage or anger that led up to the Appraisal. The process was designed so that these two individuals, who have no interest in the outcome, could discuss a settlement based on the facts presented to them.

Sometimes issues arrive where the two independent appraisers can’t agree on certain items. In this event, the two appraisers will submit their differences to the chosen umpire. The three will discuss the issues and try to reach an agreed settlement of the differences. As stated above; the settlement or final number is called The Amount of Loss. The final amount is known as the Appraisal Award. The Award is signed by the individuals who agree on The Amount of Loss. However, only TWO of the three individuals need to agree. (An agreement between the two independent appraisers, or the umpire and either appraiser) Once any TWO of the three individuals on the Appraisal Panel sign the award… the dispute is over! The amount on the Award binding and is paid by the insurance company, to the policyholder.

Can I Use An Insurance Attorney To Dispute My Claim?

The Appraisal Clause was initiated to lower the number of lawsuits filed against insurance companies. The courts found that many lawsuits were entering the legal system where the cost to repair or replaced damaged property was being disputed. In many cases the suites were being resolved when professional engineers and contractors could address the issues. The Appraisal Process was created to get such individuals together and keep these disputes out of the courtroom. Assuming you acquired an estimate of repair to your property for $100,000, from a contractor or insurance claims expert. Your insurance company has created an estimate for $30,000. This would be a clear dispute between the amounts of damage. This type of dispute is exactly what the Appraisal Clause was developed to resolve.

The clause allows parties on both sides of the insurance policy to dispute their differences using this less costly provision. Let’s face it; the courts are filled with lawsuits. The Insurance Appraisal Process allows for the dispute to be settled out of court. Using Insurance Attorneys and lawsuits can have insurance claims tied up in court for years. The Appraisal Provision was designed to keep these disputes out of court for a less costly and timelier resolution.

Insurance Claim Attorneys will usually represent policyholders for bad faith practices. Bad Faith is a whole other issue and sometimes happens after the Appraisal Process has been completed. Bad Faith claims are for much larger suites against insurance companies when it is alleged that they did not act with good faith of the policy they sold to the policyholder. In summary; disputes between the amount of damages and repairs will follow the Appraisal Process before entering into the legal system. Many Insurance Attorneys will also advise the policyholder to engage in the Appraisal Process before any lawsuits will begin.

How Do I know if the Insurance Appraisal Process is a Good Option for My Claim?

If the Appraisal Clause is in your policy then it is always an option. However, it’s wise to point out that Appraisal is usually an option when there is a substantial difference in the amount between the two estimate totals. For example; let’s say a fire completely destroys a house and the homeowner’s personal property within it (Know as the Contents). The differences between what the insurance company wants to pay and what you wish to receive is $5,000. In this situation, the Appraisal Process is not the best idea. After paying the fees involved for the appraisal, you may not end up with much of the $5,000 being disputed.

Now, if we take the same fire that destroys the property and the dispute between the policyholder and the insurance company is $40,000, appraisal should be considered. The policyholder now has a chance to recover substantially more money than originally offered.

Also, the Appraisal Clause is only applicable if a dispute arises from a covered loss. If the insurance company denied the claim as something not covered then this is not a dispute on the amount to repair, but rather a dispute on coverage. For example; homeowners and business policies due not cover floods. Flood policies are purchased separately. So, if there is no coverage for the flood damages then the Appraisal Process is not an option.

Simply put, the Insurance Appraisal Process is to determine the “amount of loss,” to property only. The Appraisal Panel is not to determine coverage, policy provisions, deductibles, how much was previously paid on the claim, etc. Let’s say there was an appraisal for a grand piano that fell off a delivery truck on the highway. The Appraisal Panel’s job is not to determine who’s at fault, the policy coverage limit, if the truck had a registration, or anything other than “How Much is the Piano Worth.”

As with our example earlier, if the insurance company offers a settlement of $10,000 to repair a roof and the policyholder has contractor bids for $15,000, then the Appraisal Process may not be the best option. The Appraisal Process may cost more than the $5,000 that’s being disputed. Unfortunately, the differences in repair/replacement costs are usually much greater. When an insurance company generates an estimate for a claim of $75,000 and the policyholder has acquired professional bids several contractors of $200,000 or more, its time to invoke the appraisal clause.

Beginning The Appraisal Process

Either party associated with the policy can invoke the Appraisal Process. However, such a request must be made in writing. Each policy will have a time limit of when this can take place. Even if a claim has been closed for many years, either party can still dispute the claim and reopen for review. It’s recommended that the request to invoke appraisal be sent via certified mail. Once the request to invoke the Appraisal Clause has been initiated, as explained earlier, each party, the insurance company and policyholder, appoints an Independent Appraiser. (If you wish to invoke the appraisal clause in your policy you need to submit a letter to your insurance company. Find more information at http://www.insurance-appraisal-services.com/invoke-appraisal.html )

Choosing An Independent Appraiser

It’s important to select an Independent Appraiser that has experience with the damages being disputed in the claim. A person with expert knowledge of insurance claims handling and firsthand knowledge of the damaged property and its replacement cost. For example; a person with expert knowledge of insurance claims handling and with expert knowledge of the Appraisal Process, with little experience on the costs to replace an antique grand piano may not be the best choice. In the case of a home or building fire; a good Appraiser is someone who can generate their own line-item detailed estimate to repair or replace the damaged property, can secure multiple bids from reputable contractors to back up their findings, knows building codes, and can articulate unforeseen costs of repairs. If a building has historic features with materials like, solid Adler doors, large detailed moldings, and custom cabinets, a great amount of research with a salvager may be needed. The Appraiser should have experience with building procedures, materials and the cost of such terms to create an accurate “amount of loss,” to return the property to the same condition it was prior to the loss. See, the policy provides coverage to replace the damaged property with those of like kind and quality. An Independent Appraiser that is not familiar with, or that does not have experienced contractors, engineers, and other experts to consult with about mold, demolition, cost associated with contents, and in some cases, additional living expenses, does not sound like a good candidate. You should choose your Independent Appraiser wisely. Look and interview someone with experience of the type of damage you have and with the type of property damaged, as well as a specialist when it comes to the Insurance Appraisal Process and also Insurance Claims Handling.

Many people confuse the words Independent Appraiser with that of a real estate appraiser. As you can see, a real estate appraiser is far from what is needed for an Insurance Appraisal. An Independent “Insurance,” Appraiser is an insurance claims expert on costs and processes to repair or replace damaged property. The next question is, “Who will have such knowledge?” People requesting assistance in the past have asked if the following experts with the following backgrounds are good choices ;

Structural Engineers: This person may be a structural expert and could probably provide a good estimate to replace a building, but what about the contents (furniture, food, etc.) damage? Do they know anything about the insurance policy, the claims process, the software used by insurance companies, the Appraisal Process?
Construction Attorney: A Construction Attorney most likely has knowledge of construction contracts and issues that building contractors have. Do they know anything about the insurance policy, the claims process, the software used by insurance companies, the Appraisal Process, the contents damaged? (NOTE: If you retain an attorney as Appraiser, remember, there is NO attorney/client privilege because the attorney is being hired as an Appraiser, not as an attorney.)
Construction Superintendent or General Contractor: Again, excellent choice for generating a structural estimate, but is most likely not familiar with insurance claims… and even more importantly, the Insurance Appraisal Process.
Insurance Claim Attorney / Lawyer: Keep in mind that the process was designed to keep these types of disputes out of court. You can surely use an attorney as your appraiser; however, the fees can exhaust your reward. Attorney’s fees range between 30% and 40% of the amount collected. This will dig deep into the net amount you receive. An Insurance Attorney will also have expert knowledge of the policy. However, the Appraisal Provision clearly notes that no policy provisions will apply. Has the attorney represented their clients in many appraisals or mostly in court cases? How familiar are they with the Appraisal Process, building costs, construction practices, the contents damaged? Does the attorney know anything about the software used by insurance companies? (NOTE: If you retain an attorney as Appraiser, remember, there is NO attorney/client privilege because the attorney is being hired as an Appraiser, not as an attorney.)
Independent Insurance Appraiser: Doesn’t it make sense to hire an individual who is an expert of the process in which you are about to engage? You’ve heard the expression, “Would you go to your auto mechanic if you needed brain surgery?” It is highly recommended to use a qualified, professional, Insurance Appraiser. This professional will already know the Insurance Appraisal Process. They will also have qualified professionals (engineers, contractors, inspectors, etc.) at there disposal to back up their analysis.
Regardless of background, an Independent Appraiser will also require good communication skills and agree with the position they are defending. They should know about the insurance policy, the claims process, the software used by insurance companies, the Appraisal Process, contents damage, structural damages, building costs and processes, as well as materials and building codes. Makes sense, right?

Advantages to the Insurance Appraisal Process

There are several advantages to the Insurance Appraisal Process. The most obvious is costs. Insurance Attorney’s will usually charge 30% to 45% of the total award. On a $200,000 claim, the attorney’s fee would be in the range of Sixty to Ninety-thousand dollars ($60,000 to $90,000). That can hurt a policyholder trying to rebuild their life. Remember, the Insurance Appraisal Process was designed to keep these disputes out of the courtroom.

The advantage of invoking appraisal allows for a less formal or non-legal proceeding. An Independent Appraiser usually charges in the range of $125 to $200 per hour. Using the same example above with an award of $200,000; if the dispute took 25 to 50 hours, the cost would be in the range of Five Thousand to Ten Thousand dollars ($5,000 to $10,000). This can be a significant difference.

Another advantage is time. The courtroom can delay an insurance claim dispute for years, where the Appraisal Process usually only takes a few months. Sometimes it can last longer depending on the complexity of the claim. However, the courtroom will most certainly be longer. The result of less time and less cost becomes a less of a burden for both sides of the dispute.

Once an award is signed the insurance company has 30 to 60-days (depending on state) to settle the award.

Should I Invoke the Appraisal Clause For My Claim?

When the dispute is real and the damages are real, the policyholder usually see’s a greater return at the end of the appraisal. If the policyholder’s claim is supported by an Insurance Claims Expert, building or repair contractors, or an engineer – and the amount of money between the two estimates is large, the Appraisal Process is a no-brainer. However, if a contractor or Public Adjuster is trying to beef-up the damages for their own benefit, then it’s the policyholder that pays dearly for it. If you’re considering invoking appraisal on your claim you should consult an insurance claim expert to see if it’s worth your time and effort.

Being that the Appraisal Award is binding the policyholder should be sure before they cost themselves unwanted anguish. If the outcome of your Appraisal Award is not what was to be expected, both parties must live with the result. As stated, the Appraisal Award is binding on “both parties.”

At the end of the day nothing is risk free. There are no promises or guarantees with the outcome of any Appraisal. However, if you have a dispute over $20,000 you’re more than likely to have a result you can live with. Do your homework and remember to choose an Independent Appraiser that is educated and experienced with the type of damages you have, what caused the damage, and the type of property damaged. Keep in mind that this is “YOUR,” property and “YOUR,” insurance policy. Your policy protects you with the Insurance Appraisal Process, so that…

The Playing Field Remains Level, and The Process Works Fairly

For Both Parties… Not Just The Insurance Companies!

Copyright of Insurance Claims Group, Inc. & Joseph P. Brennan: Joe Brennan is President and owner/operator of Insurance Claims Group, Inc., a national independent adjusting, appraisal, and umpiring firm. Joe has been in the property loss business for more than 24-years. His loss experience began as a contractor / builder, which included water and fire damage restoration repair services. After 20-years of insurance restoration estimating and repair experience, Mr. Brennan became a licensed independent insurance claims adjuster. Joe has maintained his IICRC Certification in both Fire and Water Restoration and also maintains active adjuster licenses in 10-states. Throughout his career, he has handled many multi-million dollar losses, both commercial and residential. The amount of combined experience and knowledge of new construction, damage repairs, and insurance claims handling has advanced his ability to act as a Dispute Appraiser and Appraisal Umpire. Mr. Brennan is highly educated with the appraisal process and has acted as an appraiser and umpire on dozens of claims.

Posted in Uncategorized | Comments Off

Life Insurance For Mortgages

Bank Coverage vs. Private Coverage. What you need to know!

So let’s get on to a mortgage insurance discussion. Did I say mortgage insurance? Ah yes! Yes, it’s a unique name given to normal, ordinary life insurance, couched under a very nice sounding name – which makes a whole lot of difference to people wary of “life insurance.” So, they’re not buying life insurance-no, no, they’re buying mortgage insurance. I wish there were many more such unique names for good old Life Insurance which would persuade people to buy life insurance and protect their loved ones and their estates.

Apparently, people do not want to talk about death; so life insurance is the last topic for discussion unless you get a close call from the Creator, by way of a heart attack or stroke. Mortgage insurance is not mandatory at your bank, or anywhere for that matter. All you have to do is sign a waiver and you’re off to the races. The waiver releases the lending institution of its obligations to offer you a plan that would take care of your family in the event you had a premature death.

Let’s get back to the statistics. Out of 1,000 people aged 30, 125 will die prior to the conclusion of a 25 year mortgage. And surprisingly, despite having this fantastic name to this very important plan there are thousands of families lacking protection and leaving their dependent families open to the risk of losing their homes. I am certainly glad that due to the plans aggressively marketed by the banks, many families are protected. Or else, there would be thousands of unprotected families who would end up homeless.

If a mortgage is not paid immediately, in the event of your death, it will become a huge liability to the family.

Choices: Let’s visit the choices your family would have to make in such a situation.

1. Will the surviving spouse/partner carry on the entire burden of the mortgage and will the bank accept the risk? If two incomes together found it difficult to make both ends meets, how can one income possibly be adequate?

2. The family could sell the house, relocate or rent somewhere else. Will there be a buyer for the house? What about the cost involved in selling the house? Will there be enough money after selling or will the family owe the bank?

3. Sell the house and move in with the relatives. Not the best alternative and how many people have philanthropic, generous relatives willing to take in another family? Not many, I can bet.

4. It’s an accepted fact that for most people their house is their most valuable asset and they protect it by way of mortgage insurance.

By the way, I’m sure you have heard this statement from a friend saying that someone they knew had died and that the surviving family does not have any money. You can immediately conclude that those folks did not have insurance and must have probably snubbed many insurance advisors like me. If one truly loves his or her family, a mere $15.00 a month can prevent such an eventuality.

o Why take advice from a bank official, whose experience is not insurance?

Before we discuss the nitty-gritty of the plans marketed by the banks and other lending institutions, let’s get one thing straight. Would you go to your dentist if you are ill? Or, would you go to your family doctor? True, both are doctors, but their lines of specialty are totally different. Why, then, would a person take advice from a bank official (whose expertise is banking and NOT insurance) to purchase protection of his/her most valuable asset?

Don’t get me wrong-bank officers may be extremely knowledgeable in the financial aspects of banking related issues, but insurance issues are far beyond their scope. They are only doing their duty by offering the mortgage plans available.

Therefore, getting advice and signing an extremely important document which can affect your entire family’s financial future is something you have to take really seriously. An Insurance Advisor, on the other hand, is qualified to give you better advice on insurance related issues.

o Plans offered by an Insurance Advisor provide coverage that remains level for the term you select.

Mortgage insurance plans offered by banks relate to your mortgage balance, and obviously as your mortgage drops so does your insurance coverage. In this case, if you are happy about reducing your mortgage, remember that the insurance company is equally happy because this reduces their liability.

Individually acquired plans are tailor made for you personally and so, if you are healthy, you get a better rate. Unfortunately, the plans that banks recommend are group plans. It does not matter how healthy you may be compared to others in the group.

o Plans we offer have premiums guaranteed and cannot be changed by the insurer.

As you might be aware, group plan premiums are generally not guaranteed. Mortgage insurance plans are group plans.

o Individual plans do not reduce their benefits and so the premium remains the same.

Mortgage insurance plans offered by banks relate to your mortgage balance, and as your mortgage drops so does your insurance coverage, as mentioned previously. However, the premiums that the bank charges you remain the same. Does this seem fair?

Most bank plans leave the insurance carrier with loopholes to decline your claim.

o Individual plans will require complete medical check-ups done by qualified medical professionals, at the time of application, which will save your beneficiaries from problems later. It also protects your interests and the interests of your beneficiaries at a later date. Qualified Insurance Advisors will coach you on most medical questions so that your answers are accurate and appropriate.

Most bank plans can be set up with a few condensed medical questions-which leaves your bank’s insurance carrier with loopholes to decline your claim.

o Our plans do not require you to pay additional PST. The premium offered is the final figure, no PST surprise.

Premiums quoted by group insurance plans do not include Provincial Sales Tax. Therefore, just like the rest of your regular purchases PST sneaks in silently to add to your total. So, when you shop for a price, please take this into consideration. A PST of 8% could buy you a lot of additional insurance coverage OR reduce your cost significantly.

With our plans, the premium offered is the final figure-no PST surprise.

o The plans offered by an Insurance Advisor insure both spouses separately, and so, insurance is paid on both deaths, for instance in a disaster where both the insured die, two separate death claims in the same amount will be paid, thus doubling the benefit.

Bank mortgage plans are “first to die” plans-i.e. the plans pay and cease when one person of the two insured dies. Obviously you would agree that that’s the purpose of this insurance. Sure. However, wouldn’t you prefer a better option?

For example: a 45 year old male and a 42 year old female insured for a mortgage of $250,000 “first to die” would pay $49.50 per month. By insuring them separately for two amounts, the cost would be about $52.00 per month. Wouldn’t you agree that it’s worth an additional $2.00 month to double the coverage, so that the beneficiaries receive $500,000? That’s the advice you will receive from a qualified insurance professional.

o The plans an Insurance Advisor offers can generally be converted to a permanent plan, without the necessity for further medical evidence. So if you develop a medical condition which would disqualify you for insurance, this feature would be of great importance in the continuation of your insurance policy, thus protecting your family.

Bank mortgage plans are strictly rental (term) plans and that’s about it. You do not have a choice.

o Our plans are traditional life insurance policies, the proceeds of which go to a named beneficiary tax free. The insurance policies are creditor proof, thus totally negating undue expenses such as probate fees.

When insurance proceeds from a bank plan are paid towards a property, those proceeds may be open to probate or creditors.

o With traditional life insurance plans, the choice of coverage amount is always yours and does not require mortgage documentations.

Again, as the coverage of bank plans relates to your mortgage balance, you do not have a choice. For instance, if you wanted an extra amount of coverage to protect your family, you would need to purchase it from elsewhere and unnecessarily end up paying an additional amount of money by way of policy fees.

o With the plans an Insurance Advisor offers, the choice of using the benefit amount anyway you choose is yours, and you can make any changes as and when you need. For instance, when you die, your spouse has the option of whether he/she wishes to pay off the mortgage in its entirety or not, as per the spouse’s needs at the time.

With a bank policy the bank is the beneficiary; your family has no choice.

o Our plans are portable. They are not tied to any property. They are based on your life-not your house or any other asset.

When you purchase a mortgage insurance plan from a bank, you are confining the coverage to a particular property; hence, the moving to another property requires another contract.

o Refinancing does not affect the insurance plans that an Insurance Advisor will offer.

Refinancing alters your mortgage balance and so the contract of a bank plan stands void. There will be a rate increase in line with your current age, with additional underwriting. You in fact may not be able to get insurance again as your health conditions may have changed.

o We offer you choices of coverage ranging from 5 to 21 critical illnesses with the flexibility of purchasing the amount of coverage that you can afford. Also, you can claim two benefits separately-i.e. if the insured gets a critical illness and claims, then dies after the claim is paid, the death benefit also gets paid.

Some institutions generally add the critical illness benefit to your life insurance coverage, giving you no choice with regard to the amount you may wish to purchase according to what you can afford. It also does not allow you to claim two benefits-i.e. if you collect a claim on a heart attack which is a critical illness benefit and you survive, then the contract ends. Also, the number of critical illnesses covered is limited.

o A qualified Insurance Advisor can draw out a plan which allows you the option to stop paying premiums and still continue your policy.

Bank mortgage insurance plans are term products which have no cash values, and so, if you stop payments, the policy will immediately lapse.

o Most insurance agents will service you effectively and most of all take care of a claim, personally assisting your family when in dire need. Most Insurance Advisors’ actions will definitely speak better than bank TV commercials. They will assist you in the creation of an estate and certainly will meet you one-on-one and at your choice of venue or at your home. Basically you have hired the services of a professional in this line for the rest of the term of the plan you have purchased.

Can you recall any bank making personal contact with you such as sending you a birthday card, a calendar, newsletters, or even making a courtesy call, etc.? The only time you would hear from them is possibly at the time of renewal, which would mean an additional sale for them.

It’s worth noting that traditional life insurance policies from an Insurance Advisor offer a discount of approximately 9 per cent if the premium is paid annually, thus reducing the cost significantly. This discount factor does not arise with a bank’s mortgage insurance plans, which are generally paid on a monthly or biweekly basis.

Posted in Uncategorized | Comments Off

Free Insurance Quotes – Cheap and Simple Way to Manage Our Savings

Have you checked your insurance for better insurance rate quotes lately? Many people ignore this just because they don’t want to go through all the troubles looking for insurance rate information or comparing rates, and decide to stick with the old companies which they think have already given them the best rates and coverage even if the rates are raised by the companies. If that is what happen, they might have missed the chance of getting better rates and coverage offered by other insurance companies on the market.

In every insurance company, insurance rate is dynamically changed through time. There are so many aspects that can influence the rate changing whether it is an external or internal factor.

Government rules and policies, political and economic situation, business atmosphere such as number of competitors, or even a natural disaster could be considered as external factors that give effect to an insurance rate as well as the coverage. For example when the political situation is getting hot which might trigger some riots or civil commotions insurance companies will raise their rates since the risk factors are increasing, and they might lessen the extend coverage for RSCCTS (riot, strike, civil commotion, terrorism, and sabotage) or give an extra charge for the items. But if an insurance company finds a lot of competitors on the market selling the same insurance product, this could make the company lower their rate and sometimes offers a better coverage and service.

While the internal factors usually have something to do with the loss and profit of an insurance company. Let’s say insurance company A provides auto insurance and homeowner insurance. Due to a catastrophic in one area, they have to pay out a large amount of homeowner insurance claims. To cover the loss over the homeowner insurance claims, the company may raise premiums for their auto insurance customers. But if the company is in a profitable year they might lower their rates to attract more customers. Beside that, certain record of costumers might also affect the insurance rate like credit history or driving record in the case of auto insurance.

Since there are so many factors that could affect the raise or decrease of insurance rates, we can be sure that there is no guarantee we will continue to receive the best rates from the time we signed with an insurance company. Like I said before, insurance rate is dynamically changes through time, so even if we still pay the same rate like the first time we signed with an insurance company or even lower than that, we still have a chance of getting a better insurance deal on the market.

To ensure we are getting the best rate, best is to make a regular review of our policy and then make a comparison against the offerings from other competing insurance companies. Not like in the past, when to obtain insurance quotes could take a lot of time and waste so much energy since we have to spend hours on the phone and having lots of meetings with different insurance agents, today we can easily get free insurance quotes from the internet. This could be done in a very short time, only by filling out the online questionnaire and without lifting the phone or leaving home, we already can obtain free insurance quotes from many different insurance companies.

We can get free insurance quotes from insurance company websites, insurance broker websites, or from any other insurance websites that have free insurance quotes tool. If we’d like to have a more detail information on coverage and services of an insurance product beside the rate, we can get a free insurance quote from insurance company websites. But this way, we’re going to have to travel from website to website to get quotes from other insurance companies and also we have to fill the questionnaire form again and again. So if we’d like to save a little time and energy, we can get free insurance quotes from insurance consulting websites that offer free insurance quotes. We can easily find these websites by simply type “free insurance quotes” on the search engine, and we’ll find hundreds of websites offering to give free insurance quotes. The best thing is we don’t have to visit another websites to get insurance quotes from different insurance companies and usually we only have to fill the questionnaire form once. These kind of websites usually also give tips on how to get the best rate, coverage, and other insurance services.

To obtain sufficient information from free insurance quotes to be able to help us in making comparisons and determine which insurance company will we choose, here are some things should be noted:

o We must determine from which site we will ask for an insurance quote based on our needs. If we want more detailed information about coverage and services provided by an insurance company is better to directly ask for quotes from the insurance company’s website. We should also do this if we want an insurance quote for specific types of insurance such as the antique car insurance which has many different aspects from the general car insurance. But if we wish to make a quick comparison and intend to more detailed information later on, we can go to any insurance site which provides a free insurance quote for many different insurance companies, and be sure we pick the site which has a large amount of insurance company database so we can have a lot of choices to compare.

o Determine what kind of coverage we really need and how much money we prepared, and what amounts of coverage needed to protect us. Because the insurance market is sometimes like a shopping mall that often tempt us with products that are irresistible, so we often fall and spend money on something that we don’t really need.

o Fill the questionnaire form with accurate data, if we do not feel confident about what we have to fill in one column, it’s better to ask or look for documents that can help us fill, in case of auto insurance maybe we can prepare the vehicle documents, driver license, and any related documents. If the insurance object is under insured, the policy’s declarations page can help you a lot in filling the form. Answer all the questions in the form truly and don’t hide anything, this is the only way for us to obtain an accurate quote.

o Ask free insurance quotes from at least three different companies to be able to get more alternatives. If we ask for quotes from different sites, make sure to enter exactly the same information so that we can get a balanced comparison.

o Do some experiments by changing information or value in various fields that can affect insurance rates and consider the results of the calculation to see which one best suits our needs and budget, then do the same thing with quotes from other insurance companies in order to make comparisons. For example, generally if we increase the deductible value and decrease the amount coverage then we shall have a lower rate. Or in case of auto insurance, number of drivers and average mileage can also affect the rate. But please notice that there are some fields which also affect the rate that we cannot change like driving record in case of auto insurance or health record in case of health insurance otherwise we won’t get an accurate quote.

After getting a rate quote that suits our needs and budget, we can continue to do a further check to the insurance company and the insurance plan. Remember, that the cheapest quote doesn’t necessarily mean you will get the best value on your coverage and good coverage doesn’t always come from a big company. Here are what we have to do after getting rate quotes:

o Look beyond the amount of money to what the coverage actually covers. Pay attention to the several other factors that could affect the claim process and payment as well as the length of the claim process, also find out what is not covered in the policy exclusions. We can get the information on the website if it’s available there or best is to contact the insurance agent to get more sufficient comprehensive information.

o Check the history and reputation of the company, since having insurance covers from an experienced and reputable company can give us peace of mind. Find out whether they provide high quality costumer care or if there were complains about the company performance. we can find testimonials or experts review on an insurance company concerning these issues.

o There’s nothing wrong to follow our instinct as long as we also use common sense in deciding which insurance company we should choose. We can go with the company that makes us feel most comfortable as long as it gives a nice rate and coverage based on the insurance quote. Pay attention if the agent or company representative able to answer all our coverage and policy questions or whether the agent treat you with courteous and respect. After all, we always want to have insurance protection with the best rate and service.

After we have made our mind and choose one insurance company to insured us, we shouldn’t stop trying to get more discounts or lower rate. Besides raising up the deductible amount which can give us up to 15-30% lower rate, there are still many other things that can lower the insurance rate such as:

o If the insurance company handles a wide range of insurance products consider having all our insurance provided by this company, this will give us a great discount on our premiums.

o In the case of auto or homeowners’ insurance, ask the company about multi-family price reductions for coverage. If there is a price reduction, consider to purchase multi-family over a single type of insurance from the company. We can also get discount by having well-security system for the vehicle / house.

o We can also choose to make annual premium payment to save money. That’s because most insurance companies do charge a service fee if we make quarterly or monthly payments since this increases the risk that we won’t pay the next month. Some insurance companies don’t charge these fees but do give us a discount if we pay our entire premium in one lump sum. While that might seem too expensive of a bill to pay at once, we could always put back the amount of the monthly premiums into a savings account each month then we’d have the full amount to pay the yearly premium

After we have got the best coverage with the best rate, all we have to do is to keep it that way by avoiding things that can cause us to lose some protection and rate increases. For example, in case of auto insurance, we should be a safe driver, avoid accidents, and try to avoid making too much claims. As for homeowners’ insurance, we can try to minimize our liability risks by placing fence around the pool or having adult supervision when anyone is at home. We might also consider small repairs yourself without making a claim.

This way we can maintain the coverage and the low rate we already have although it’s not 100% guarantee it will stay that way for a very long time. That’s why we still have to make a regular review of our policy especially at the end of an insurance period to get the best deal on the market by taking advantage of free insurance quotes available, since the rate might easily changed every time.

Posted in Uncategorized | Comments Off

How an Insurance Policy Works

Insurance is synonymous to a lot of people sharing risks of losses expected from a supposed accident. Here, the costs of the losses will be borne by all the insurers.

For example, if Mr. Adam buys a new car and wishes to insure the vehicle against any expected accidents. He will buy an insurance policy from an insurance company through an insurance agent or insurance broker by paying a specific amount of money, called premium, to the insurance company.

The moment Mr. Adam pay the premium, the insurer (i.e. the insurance company) issue an insurance policy, or contract paper, to him. In this policy, the insurer analyses how it will pay for all or part of the damages/losses that may occur on Mr. Adam’s car.

However, just as Mr. Adam is able to buy an insurance policy and is paying to his insurer, a lot of other people in thousands are also doing the same thing. Any one of these people who are insured by the insurer is referred to as insured. Normally, most of these people will never have any form of accidents and hence there will be no need for the insurer to pay them any form of compensation.

If Mr. Adam and a very few other people has any form of accidents/losses, the insurer will pay them based on their policy.

It should be noted that the entire premiums paid by these thousands of insured is so much more than the compensations to the damages/losses incurred by some few insured. Hence, the huge left-over money (from the premiums collected after paying the compensations) is utilized by the insurer as follows:

1. Some are kept as a cash reservoir.

2. Some are used as investments for more profit.

3. Some are used as operating expenses in form of rent, supplies, salaries, staff welfare etc.

4. Some are lent out to banks as fixed deposits for more profit etc. etc.

Apart from the vehicle insurance taken by Mr. Adam on his new vehicle, he can also decide to insure himself. This one is extremely different because it involves a human life and is thus termed Life Insurance or Assurance.

Life insurance (or assurance) is the insurance against against certainty or something that is certain to happen such as death, rather than something that might happen such as loss of or damage to property.

The issue of life insurance is a paramount one because it concerns the security of human life and business. Life insurance offers real protection for your business and it also provides some sot of motivation for any skilled employees who decides to to join your organization.

Life insurance insures the life of the policy holder and pays a benefit to the beneficiary. This beneficiary can be your business in the case of a key employee, partner, or co-owner. In some cases, the beneficiary may be one’s next of kin or a near or distant relation. The beneficiary is not limited to one person; it depends on the policy holder.

Life insurance policies exist in three forms:

• Whole life insurance

• Term Insurance

• Endowment insurance

• Whole Life Insurance

In Whole Life Insurance (or Whole Assurance), the insurance company pays an agreed sum of money (i.e. sum assured) upon the death of the person whose life is insured. As against the logic of term life insurance, Whole Life Insurance is valid and it continues in existence as long as the premiums of the policy holders are paid.

When a person express his wish in taking a Whole Life Insurance, the insurer will look at the person’s current age and health status and use this data to reviews longevity charts which predict the person’s life duration/life-span. The insurer then present a monthly/quarterly/bi-annual/annual level premium. This premium to be paid depends on a person’s present age: the younger the person the higher the premium and the older the person the lower the premium. However, the extreme high premium being paid by a younger person will reduce gradually relatively with age over the course of many years.

In case you are planning a life insurance, the insurer is in the best position to advise you on the type you should take. Whole life insurance exists in three varieties, as follow: variable life, universal life, and variable-universal life; and these are very good options for your employees to consider or in your personal financial plan.

Term Insurance

In Term Insurance, the life of the policy-holder is insured for a specific period of time and if the person dies within the period the insurance company pays the beneficiary. Otherwise, if the policy-holder lives longer than the period of time stated in the policy, the policy is no longer valid. In a simple word, if death does not occur within stipulated period, the policy-holder receives nothing.

For example, Mr. Adam takes a life policy for a period of not later than the age of 60. If Mr. Adam dies within the age of less than 60 years, the insurance company will pay the sum assured. If Mr. Adam’s death does not occur within the stated period in the life policy (i.e. Mr. Adam lives up to 61 years and above), the insurance company pays nothing no matter the premiums paid over the term of the policy.

Term assurance will pay the policy holder only if death occurs during the “term” of the policy, which can be up to 30 years. Beyond the “term”, the policy is null and void (i.e. worthless). Term life insurance policies are basically of two types:

o Level term: In this one, the death benefit remains constant throughout the duration of the policy.

o Decreasing term: Here, the death benefit decreases as the course of the policy’s term progresses.

It should be note that Term Life Insurance can be used in a debtor-creditor scenario. A creditor may decide to insure the life of his debtor for a period over which the debt repayment is expected to be completed, so that if the debtor dies within this period, the creditor (being the policy-holder) gets paid by the insurance company for the sum assured).

Endowment Life Insurance

In Endowment Life Insurance, the life of the policy holder is insured for a specific period of time (say, 30 years) and if the person insured is still alive after the policy has timed out, the insurance company pays the policy-holder the sum assured. However, if the person assured dies within the “time specified” the insurance company pays the beneficiary.

For example, Mr. Adam took an Endowment Life Insurance for 35 years when he was 25 years of age. If Mr. Adam is lucky to attain the age of 60 (i.e. 25 + 35), the insurance company will pay the policy-holder (i.e. whoever is paying the premium, probably Mr. Adam if he is the one paying the premium) the sum assured. However, if Mr. Adam dies at the age of 59 years before completing the assured time of 35 years, his sum assured will be paid to his beneficiary (i.e. policy-holder). In case of death, the sum assured is paid at the age which Mr. Adam dies.

David Mog is the owner of the blog and he is giving you as a reader the right to use this writeup as you deem fit in your research work on the basis that the blog link and the contents will not be tampered with but will remain as it is without being edited.

I am a Mathematician by profession. I studied in Ontario, Canada. For the past 15 years, I’ve been almost all over the globe in my consultancy jobs.

I specialize in Research & Development that deals with the design of computer programs in solving a specific problems.

Specifically, I was one-time an Insurance Salesman before I went for my college education. So, all the pros and cons of Insurance world are well known to me like the lines on my palms.

Posted in Uncategorized | Tagged , , | Comments Off

4 Prominent Benefits of Hiring a Tree Removal Service

In summer, people get out to enjoy the beautiful warm weather while having a great time at their desired destinations. Some people complete their yardwork projects to turn their dream into reality. For instance, they can remove the dead tress from their backyard. Although trees look great, many of them can create problems. If you can’t remove a tree yourself, you can hire a professional tree removal service. Given below are some benefits of these services.

1. Saves tons of Time and Money

The biggest benefit of these services is that they can help you save tons of time and money. Although these services are paid, you can still save money as you won’t need to invest in the required tools and equipment. Additionally, if you do the job yourself, you may end up damaging something valuable in your house.

On the other hand, hiring a professional ensures the job is done properly and there are no chances of damage to anything. Plus, you can have the job done in a timely fashion.

2. No Safety Concerns

If you think that the roots of the trees may be damaging the foundations of your house, it’s better that you hire the services of a removal service for a long-term for regular trimming and pruning. This will ensure your property will be protected against possible damage down the road.

On the other hand, if you trim or prune your trees on your own, you may end up injuring yourself or other people around you. The thing is that professionals use the right tools and follow the right steps in order to get rid of unwanted dead trees. Therefore, the surroundings of your house will not be touched. In other words, there will be no safety concerns if you have an expert do the job for you.

3. They have the required equipment

Another prominent advantage of a professional service is that their employees are well equipped, which means they can use the right tools and other equipment for each job. Aside from this, they have years of experience using the equipment in order to perform the job and save you from injury. On the other hand, you may not have the required tools and equipment to carry out this type of dangerous jobs.

4. Neat and Clean Landscape

Although DIY projects are interesting, you may run into problems, especially if you have no idea how to go about bringing a tree down. Besides, even if you can cut a tree down, you may find it a pretty time consuming task to clean all the mess. On the other hand, professional services are ideal if you want to get the project done in a way that it keeps your backyard just like before, neat and clean.

Long story short, if you want to improve your property by getting rid of fallen or dead trees, we suggest that you check out the services of an experienced provider. Doing the job yourself can save you money, but may cost you more down the road or may cost you if the job is not done properly.

Posted in Uncategorized | Comments Off

Relationships: Can Childhood Trauma Cause Someone To Keep People At A Distance?

Although someone may want to form deeper connections with others and to even have an intimate relationship, this might not have been possible. When it comes to the former, they may have only been able to get so close to people, and, when it comes to the latter, it might not be any better.

If they were to think about what is going on, they could end up feeling helpless and hopeless. What is taking place can then be seen as something that is totally out of their control, which can mean that they will end up feeling down and even depressed.

The Right Things

This is not to say that, up until this point, they will have simply sat around and hoped that their life would change, though. For a number of years, they may have put in a lot of effort to change this area of their life.

However, while they will have done a lot, they won’t have been able to get very far. In fact, what they may see is that all this effort has just caused them to feel even more frustrated and angry.

Another Scenario

Conversely, one may have found that they have been able to get close to others but, when this happens, they don’t feel comfortable. Instead of feeling happy about being closer to another, they feel the need to back away.

This could be something that baffles them and will have most likely prevented them from being able to move forward in this area of their life. They could believe that there is no reason why they should feel this way around others.

The Same Position

If someone is trying to get close to others and they haven’t had the aforementioned experience, it might only be a matter of time until they do. It could just be that they haven’t got to this point yet.

Before long, then, they could find that they also feel uncomfortable experiencing the very thing that they desire. Therefore, as opposed to saying that these are two experiences, it might be more accurate to say that they are simply two different stages that one will go through.

A Cold Existence

When someone doesn’t feel comfortable getting close to others, they are likely to spend a fair amount of time feeling lonely. This can be a time when they will feel disconnected from everyone and everything.

If they don’t feel this way, it could show that they have simply disconnected from their feelings/body. They can feel numb during this time but, before long, they could consume something, for instance, artificially changing their mood and temporarily bringing themselves to life in the process.

Something Isn’t Right

Now, as they are an interdependent human being and need others, it could be said that it is strange that they have the need to keep people at a distance. What should feel comfortable if being close to the right people – people who they feel safe with, have similar values and value, for example.

As a result of this, one could believe that there must be something inherently wrong with them or they wouldn’t have this problem. What could come to mind at this point is that they have a ‘fear of intimacy’ and even a fear of people

Diving Down

If they do come to this conclusion, their conditioned mind could believe that both of these fears are irrational and that they just need to push themselves. These labels may fit but, at the end of the day, they are simply labels – labels that can be a starting point to looking deeper and gaining more self-knowledge or something that can prevent this from taking place.

What needs to be looked into is why one wouldn’t feel comfortable with being close to others; something that is a vital part of their ability to survive and thrive. There is a strong chance that something happened to them at the beginning of their life and their conscious mind has forgotten all about this.

Way Back

During their formative years, they may have been abused and/or neglected on a weekly, if not daily, basis. Said another way, this would have a period of their life when they were routinely violated.

As they were boundary-less and unable to defend themselves, they wouldn’t have been able to do anything about what was going on. The only thing that they could do was to disconnect from themselves and, thereby, to no longer be aware of what was taking place.

The Foundations Were Laid

In addition to this, their mind would have formed a number of associations to keep them alive. One can be that other people are a threat to their survival and another can be that they need to keep them at a distance to survive.

The years would have passed but their whole being will be loaded up with trauma and it won’t want them to get close to anyone. It won’t matter that this stage of their life is over or that not everyone is the same as a big part of them will be stuck in the past and, consequently, will perceive life in the same way.

Awareness

If one can relate to this, and they are ready to change their life, they may need to reach out for external support. This is something that can be provided by the assistance of a therapist or healer.

Author, transformational writer, teacher and consultant, Oliver JR Cooper, hails from England. His insightful commentary and analysis covers all aspects of human transformation, including love, partnership, self-love, and inner awareness. With over two thousand, six hundred in-depth articles highlighting human psychology and behaviour, Oliver offers hope along with his sound advice.

Posted in Uncategorized | Comments Off

Cities Of The Plain by Marcel Proust

Times change. Of that there is no doubt. Platitudes, however, remain platitudes whenever they are, like a dose of vaccine, rolled out. Their use, perhaps just once, but certainly on the second occasion, ought to inoculate and protect their user from ever again suffering their nauseating mundanity. But such immunity is rarely achieved, especially amongst those who find simple instructions, such as “stay at home” or “avoid clichés, at all costs” quite impossible to interpret or indeed remember.

I recall the time, not so long distanced, when even the mention of certain sexual habits might only be referred to in passing, accompanied by the bat of an eye, the nervous clearing of the throat or the deliberate and calculated inclusion of classical allusion, lest the speaker appear himself to be tainted by such professedly immoral practices. The inclusion of gender was important, here, for these unspoken, unnamed behaviours, alluded to habits the remained illegal and indictable amongst men, while the female equivalent bore a different name, lusciously classical, and, whilst not officially tolerated, it generally remained beyond the interest of the law.

But it was not only the classical, but also the biblical world that provided the means of referring to these despicable, but apparently common practices. The Cities of the Plain, Sodom and Gomorrah, suffered divine retribution – at least the experience is recorded as divine – because of the prevalence of these crimes against nature within their walls. In more modern times, we have passed beyond the age when the natural can be criminal, and also beyond the clichés of vilifying and ridiculing via censorious judgment or humour. For all its use of the theme, the filmed series never did include the title Carry on Sodomy, despite the near-repeated scripts’ regular use of both censure and ridicule to raise laughs from audiences who elsewhere might judge and scorn.

And so we arrive at Sodom and Gomorrah, volume four of A La Recherche De Temps Perdu, A Remembrance Of Things Past, or words to that effect. At its time of writing, an observation that significant numbers of French high society might just be able to trace their descent to these cities of the plain would have shocked. Eyebrows would have been raised, throats cleared, and private laughs would have hidden behind social condemnation, as gentlemen conversed on the way to the brothel, where the workers to be encountered did not really count, because it was clearly poverty that required them to behave thus. But times do change. Now it is not this discussion of homosexuality that might shock, but the destination of the conversants.

So now when we read of homosexual men and women, gays and lesbians, queers and dykes, we cannot suffer either the shock or the surprise of exposure to ideas we now ignore politely in public or condemn only in private. Neither can we, almost certainly, associate with the kind of society in which the revelations were being made. The lives, and more exactly the attitudes, of these people are now utterly foreign to our experience, though they may well still exist. The realization reminds us that we regularly admire images in the form of galleried art, which bear as little relation to our own lives as do the characters Marcel Proust creates, but because paintings have nothing audible to say in their own words, we fail to recognize the cultural gulf of our distance from what they depict.

Times may change, but our propensity to apply false logic persists. Marcel Proust’s observation of doctors is almost contemporary. They err habitually on the side of optimism as to treatment, of pessimism as to outcome. “Wine in moderation, it can do no harm, it is always a tonic… Sexual enjoyment? After all it is a natural function. I allow you to use, but not to abuse it, you understand. Excess in anything is wrong.” At once, what a temptation to the patient, to renounce those two life givers, water and chastity. He also recognized that by a certain age, human beings cease to be individuals and become research projects. He had arrived at that stage of exhaustion in which a sick man’s body became a retort in which we study chemical reactions. In our own time, we codify this as aging.

But then we may, like the English public schoolboy, develop personal and internal resistance to propensities that could previously prosecute via physical activity. Various English Prime Ministers have thus profited from the Eton Wall Game in public whilst in private they probably remained on the other side of the wall. “Suppose we took a turn in the garden, Sir,” I said to Swann, while Comte Arnulphe, in a lisping voice which seem to indicate that mentally at least, his development was incomplete, replied to M. de Charlus with an artlessly obliging precision: “I, oh, golf chiefly, tennis, football, running, polo I’m really keen on.” So Minerva, being subdivided, ceased in certain deities to be goddess of wisdom, and incarnated part of herself in a purely sporting, horse loving deity, Athene Hippia. Thus we may find the limitations we impose on ourselves limiting.

At least the Old Etonian Prime Ministers would have coped admirably with the classical allusion, and probably still would. Times may change, but we only understand how they have changed when we trouble ourselves to experience remembrance of times past and engage with its characters, both larger and ultimately smaller than life.

Posted in Uncategorized | Comments Off

The CLEAR Approach To Selling A House!

Since, for most people, the asset value, of their homes, represents, their single – biggest, financial asset, wouldn’t it make sense, to use the best approach, when they, decide, it’s time, to sell their house? Since, there is no such thing, as, one – size – fits – all, when it comes to real estate transactions, the smartest approach, usually, is, taking advantage of the combination of time – tested strategies, as well as customizing the specific approach, to the circumstances, and actual, property/ house! With, that, in mind, most would benefit, when/ if, they took advantage of, using a CLEAR approach, strategy, and action plan! Therefore, this article will attempt to, briefly, consider, examine, review, and discuss, using the mnemonic approach, what this means and represents, and why, it matters.

1. Competition; clarity; create/ creative; condition; communication: The best results occur, when agent, and client, proceed, on the same – page, and, this comes, from enhanced, communication, from the onset! One must know and consider, the competition, so there is clarity, in terms of the reasoning, in terms of creating, the initial, listing price! Objectively, evaluate, and compare, the strengths, and weaknesses, in terms of the house, and property condition!

2. Listing Price; listening; location: It’s important for a homeowner to realize, listing (or, asking) price, and what it sells for, are, often, different. Agent/ client discussions, must center – around, effective listening, and empathy! In real estate, location, and its variables, are significant!

3. Emphasis; empathy; esthetics: Is there anything, about, the esthetics, and appearance, of a property, which might make this one, stronger, or weaker? It’s wise to place the marketing emphasis, about perceived strengths (accentuate the positive), and, always, remaining, empathetic!

4. Approach; area; assets; advantages: Knowing, and appreciating, both, the advantages, and disadvantages, is a great beginning, to the finest, possible, approach! What are the primary, assets, and what aspects, of the specific area, add, or distract, from the perceived value, and attractiveness of this house?

5. Region; reasons; rationale; realistic; rooms: Considerations, such as the particular region, the number, size, and attractiveness of the rooms, are major factors, in marketing a home! Quality real estate agents, articulate, clearly, their reasons, and rationale, to their clients!

When, the CLEAR approach, to selling houses, is understood, and followed, the results usually benefit, and the overall, transaction, is generally, less stressful! Will you follow these basic steps, to get the best results?

Posted in Uncategorized | Comments Off

Shri Ram Global School Listed in Top 5 Schools in Greater Noida

Shri Ram Global is one of the top schools in Greater Noida. It is one of the most established Co-Educational, CBSE Affiliated English Medium School in Greater Noida West. The Shri Ram Educational Trust manages the school. They have already supported and managed India’s finest educational and prestigious centers like Shri Ram College of Commerce and Lady Shri Ram College of Women.

About the School

The School stands amongst the top five schools in Noida, Noida Extension, and Greater Noida. The school offers modern infrastructure and amenities in the best possible way for the children’s overall development. It is globally renowned and claims to be the home of liberal education. Shri Ram Global School focuses on the physical, social, mental, and overall aspects of young minds stepping into the community.

Campus

The school is constructed over a vast patch of land and sprawling campus of about 4 acres, catering STEM Labs, Swimming Pools, various sports like Cricket, Tennis and Football playground; Studios for performing visual arts, Indoor Courts for Basketball, Badminton and Skating Activities, Junior Gym, Technology enabled Auditorium and Classrooms with WIFI and CCTV facilities.

Curriculum

Shri Ram Global School is one of the best schools in the Greater Noida and Noida, which thrives on providing excellent education and the holistic development of the child. The school emphasizes co-curricular activities to unlock the full potential of the children and encourages enhanced learning. Shri Ram Global School offers the joy of learning and pursuing activities and interests beyond syllabus and exam restrictions to better the children’s growth.

The curriculum goes beyond the classroom education system to shape young minds and creates opportunities for creativity, innovation, social and intellectual development. Teachers use technology Enabled sessions with audio-visual media to provide a practical and real time understanding of academic concepts and learning.

With the implementation of dedicated staff and a motivated workforce, the School’s mission is to deliver an excellent learning curriculum and outstanding quality of education to create a harmonious ambiance for students. With a small class size of 24 and a healthy teacher-student ratio, the school imparts knowledge through interactive learning sessions to create a solid foundation from pre-school to the secondary level. The diverse curriculum makes it one of the best schools in Noida and Greater Noida extension.

Quality of Teachers

The School provides experienced and learned staff to help every child become a skilled and effective learner. Teachers focus on a wide range of enrichment activities to widen experience, build self-confidence, and expand communication skills. Shri Ram Global is one of the best schools with organized ways of learning and supports children’s individual needs. Shri Ram Global School’s staff provides individual attention and support to the children, making it one of the leading schools in Noida and Greater Noida. With the exceptionally bright and learned teachers, the youngsters emerge as all-rounders and strong decision-makers.

Leadership

The School is chaired by one of the leading social activists and an entrepreneur Ms. Jyoti Kapur. She believes in imparting an individual child centric atmosphere for a healthy physical and mental wellbeing of the child.

Following the tagline of “Learning to BE,” the school’s management is committed to creating an excellent learning environment for a child’s smooth transition from home to school and society.

Posted in Uncategorized | Comments Off