This question is to educate you on the particular insurance company you’re talking to and how they evaluate your driving record, or what your driving record will be once you’ve had an accident. Some companies will evaluate you on only accidents that are your fault with damage more than a certain amount, say $850. Other insurance companies will hit you with a charge even if you’re the one who has been rear-ended. In some states, fault is not taken into account and is not considered an activity worthy of police time and attention-the result; everyone pays their own damages.

As with the previous question, “Which is insured first, the car or the driver?

The answer is going to vary with insurance company underwriting philosophy and state law. Also, similar to the last question, you’re going to have a hard time sorting between which information is company underwriting mumbo-jumbo and which is state law. Once again, a broker, representing many companies is going to be more familiar with the difference than any captive agent, only representing one insurance carrier.

The immediacy and confidence in delivering the answer is going to be a key indicator of a person’s time on the job, experience in the industry and of how knowledgeable they are; or aren’t. Note taking will be a key to delivering best possible comparison and ultimate outcome. Note taking is also a key test of patience. You shouldn’t strive to greedily take up a person’s time, but you shouldn’t feel as if they are holding themselves aloof, or are giving you the bum’s rush.

You want to use this question to get the answer, but also to feel out their patience and willingness to educate you on what is, at the end of the conversation, your choice. Any representative who considers you unworthy of their time, should be considered unworthy of your business.

Every professional agent knows, an educated consumer is a great customer, and often a free-of-charge, walking, talking billboard for their business. A great insurance consumer knows that a patient-educating insurance agent is worth their keep, and a hearty endorsement because of their exceeding rarity in this world consumer-trampling, greasy rat race salespeople and their greasy rat race sales tactics.  The rare gem of an insurance agent is likely to be a broker.

And remember, as you conduct this tedium of sifting between the rats and gems, you still get what you give. Be persistent and insistent, but not rude or vulgar, you don’t need to sink to their level. You will not win them over and you will lose your dignity in the process, cursing them out is a lose-lose scenario, so just hang up or walk out and move on.

What difference, if any, do moving violations make?

Like the first two questions, you are trying to get a sense of each insurance company’s underwriting philosophy and interpretation of state law and the sense of the person you’re talking to and their patience, knowledge and professionalism. …

Truck driving is one of the most popular jobs in America. The trucking industry is the backbone of many other industries in the country. Transporting goods from one place to another. Truck driving is worthwhile career, it isn’t hard to get started and almost anyone can do it. There are some downsides when it comes to trucking but millions of Americans make it work for them. Here is what you need to know about commercial trucking.

Firstly do some research about commercial trucking in your area. The salaries of truck drivers vary from company to company as well as experience. There are different fields of trucking that can also affect salary. For example transporting dangerous materials such as, chemicals, or gas. These things can cost more to transport and require a higher level of experience. The longer you work, and garner experience the higher your pay will be.

There are some serious upsides of trucking driving. It is a career that you can get into quickly when compared to other jobs. While there is some schooling involved with truck driving, it is much shorter than careers with similar starting pay. There are also solid benefits for the majority of commercial truck drivers. Of course, there is some downsides, however. There is a lot of pressure to deliver your load on time. This means you could be spending an average of 12 hours on the road or more. Commercial truck driving is also very time intensive. Upwards of 300 days a year you will be on the road away from your home. There is a lot of alone time, and the career can feel isolating for some. But trucking is one of the most flexible jobs there is. It doesn’t matter how the cargo gets there, as long as it gets to its destination on time and undamaged. This allows for a lot of freedom when it comes to when to work, and how long you want to work.

If you choose to work with a company, when first starting pretty much everyone does, you will be renting a rig. You will have to apply for some type of trucker insurance chicago il. It can be difficult for newer drivers to find insurance. Likewise, it can be hard to find insurance for high risk loads. There are some requirements that need to be met in order to qualify for commercial trucking. You must be at least 21 and have a clean driving record. Also plan on attending school for a while. Your courses will cost money and you should expect around a year of schooling before being ready to pass the CDL exam. After the CDL exam you must be able to pass the Federal Motor Carrier Safety Administration exam.

Truck driving can be a worthwhile career option. The requirements are minimal and almost anyone can qualify. There are some hurdles to climb as with any job, but if you can overcome those things there are real career …

The average person works hard for their money and is proud of major investments such as a home and car. It is gratifying to watch the retirement account grow, and hope for the future grows while watching the child’s college account growing as well. But life has a funny way of changing and if you do not protect those investments, then they may not be around long enough to fulfill your goals and dreams.

Life InsuranceM

One of the best ways to protect all of your investments is to utilize affordable term life insurance. Term life is extremely low priced, and you can get it in terms that fit all of your investments. When you get a 30-year mortgage, you can get a 30-year term life policy to protect it. If something were to ever happen to you before your investment is paid for, then your family can still carry on with your plans.

Naming Beneficiaries

When you start an account to save for a home or your child’s education, you will always have the option of naming beneficiaries should you pass away unexpectedly. You should name someone in your family that you feel would take the proceeds of the account and re-invest them to try and complete your original goals. This would allow your investment to continue even after you have passed away.

Always Have Back-up Plans

Anything can happen while you are paying on an investment, and that is why it is important to have back-up plans. While paying into a plan for your child’s education, you might lose your job and be unable to pay. While you are searching for investments, always look for companies that offer contingency plans in case you experience financial hardships. You would be surprised how many investment companies have back-up plans for your investments that can be very helpful during difficult times.

Planning for the future is important. But it is also equally as important to protect those plans as much as you can to ensure that your family benefits from your ideas.…

Credit unions and Community Development Financial Institutions or CDFIs are quickly becoming the leading alternative financial institutions. We may have a lot of fintech companies and new lenders offering their products and services, but working with credit unions – especially ones that suit the needs of your small business best – can be highly beneficial.

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Credit unions are meant to work for their members’ benefits rather than for profit. This guiding principle really shapes the way credit unions create and maintain the services they offer. There are also more reasons why working with your credit union can be highly beneficial to your business.

Get Involved as Members

Credit unions cater to members rather than any business. To be able to use the financial services offered by the credit union near you, you need to first meet the membership requirements and be accepted as a member. Once you do, you can play a more active role in helping the credit union grow as quickly as your business.

Credit unions are taking the way they cater to members more seriously too. Many top credit unions across the country are working with consultants such as The Copper River Group in reviewing their core vendor contracts and negotiating better deals. It may seem like a small step from the outside, but it is a step that really benefits you as a member of the credit union.

Plenty of Opportunities to Save

Credit unions are very attractive, particularly to small business owners, because of the lower interest rate and fees attached to their financing options. Lower fees mean small businesses can get the financing they need while remaining flexible with their expenses. You too can take advantage of the lower fees offered by your credit union once you are a member.

Lower fees are not the only way you can save when working with a credit union. You can also take advantage of other features and facilities offered by the union, including free ATM withdrawals and bank transfers, special services for your business, and many more. These small savings add up; you’ll be surprised to realize just how much you save at the end of every month.

They Work WITH You

Unlike conventional banks, credit unions actually go the extra mile to work with their customers. You will experience the same treatment as soon as you become a member and start exploring the available financing options.

For example, you don’t have to worry about your less-than-stellar credit history when trying to get sufficient financing from a credit union. The analysts of the credit union will help you navigate the steps you need to take in order to secure financing at a lower interest rate.

Financial experts of the credit union are also more likely to help you get through tough times and organize your business better, mainly because they want to keep you financially healthy as a customer. It is much better for credit unions to have many healthy customers in …

If you are a blogger or you are a person who is new and eager to pursue the world of websites or blogs with various purposes, ranging from sharing information, advertising an item or service or as a medium to earn income from a website or blog that you have created. So you should first know about SEO and apply it.

SEO stands for Search Engine Optimization or Search Engine Optimization. SEO is a technique that needs to be mastered by a blogger or digital marketing in order to get good rankings for websites that you are managing in search engines.

Therefore, its good application will greatly affect the success of a website or blog. Because, with good implementation, it will provide a lot of income due to good rankings in search engines that make website visitors more and more.

As a beginner, you need to pay attention to the technique correctly and correctly, because mistakes in SEO often occur and are experienced by beginners. Then what are the mistakes that SEO beginners often do? The following are some of the mistakes that are often made, including:

1. Not learning from basic or early stages

If you want to learn about SEO, you should start from the basic stage first. Never prioritize things that are instant in learning SEO, because SEO requires patience and thoroughness to learn it.

This is very important in understanding the meaning of actual SEO and the purpose of its use. Therefore, for people who do not learn SEO from the basics, then he will use SEO techniques with unclear causes of confusion. Therefore, you need to learn the pattern of SEO work and its application, so that over time you will be more proficient at using it.

2. Only rely on SEO

For beginner SEO, the most frequent and fatal error is only based on SEO to bring visitors to the website. Especially if the website or blog that you manage is a website that is only 6 months or 1 year old. We recommend using social media or Blogwalking or even Social Bookmarking as a support.

If you want a website or blog that you manage to get a good ranking or ranking on search engines, you can use SEO services owned by LinkHelpers Phoenix SEO Company, they are ready to help you realize your website to get a good ranking on search engines.

3. Keyword research is often forgotten

Not doing keyword research is something that beginners often forget when blogging. Therefore, it is not surprising that the blog or website that you make is quiet even though your blog is in the top position of the search engine. This is because you don’t do keyword research properly.

…

Consent is the voluntary permission granted from a patient from a medical professional to allow the permission to touch, examine, and perform medical services. If a medical provider were to touch or examine a patient without consent, they could be liable for battery. However, if a patient consents to a procedure, the physician CANNOT be held liable unless they fail to meet the accepted standard of care while performing the procedure.

Informed consent is when the patient agrees to a proposed plan of care, AFTER the advantages and risks of the treatment, treatment alternatives, potential outcomes, and the risks that may occur if treatment is refused, have been explained to and understood by the patient.

The process is much more than a patient simply signing a form. It is based on effective communication from a provider to a patient to explain complicated treatment plans in terms that a patient can understand. Informed consent allows the patient to understand the treatment and alternatives and allow them to make an informed decision regarding their care.

The explanation of a treatment or procedure alone does not constitute consent, as the patient must UNDERSTAND the explanation. After explaining the treatment plan and alternatives and the patient grants consent, the provider should ask the patient to summarize what they have been told to ensure that they truly understand.

Within the physician/patient relationship, obtaining the informed consent of a patient is critical, as it is what holds the relationship together.

Because the practice of medicine is an evolving art and science, it is difficult to fully inform a patient about ALL the aspects of a treatment and all that can possibly go wrong. However, the provider must make a reasonable effort to do so, so that the patient can still make an informed decision.

A patient’s consent applies ONLY to the procedure that was explained to them and which they agreed to. For example, if a physician is performing surgery on a patient’s lung, and when doing so notices another condition that requires medical attention, if the surgeon were to correct the condition, they would still be liable for battery.

Medical providers are protected by law in emergency situations, in which a patient is not able to understand treatment information or provide consent.

Minors, the mentally incompetent, and those who do not understand English are deemed incapable of providing an informed consent.

Implied Consent

A medical provider should obtain written consent for treatment, regardless of its complexity, whenever possible. However, there are situations in which they can assume consent from a patient, such as when patients indicate by their behavior that they are accepting treatment or a procedure to be performed. This is referred to as “implied consent”. For example, if a patient schedules an appointment for a physical examination, it is implied that they consent the physician to touch them during the exam.

Exceptions to Consent- guide to consent.

Exceptions are dependent on state law

* A physician does not have to inform a …

Business people explore and use opportunities to enhance their business growth further. However, they get much difficulty in terms of the competition, cybercrime, work area and other categories of problematic things. They search for a professional team to solve their problems one after another. They can make contact with the continuitysa online and seek advice from specialized personnel of this successful company right now. They get a good response and customized service as expected.

Focus on the main services 

Different categories of services are available for every client of this leading company accessible from any location at any time. If you have understood your requirements regarding the enterprise resilient services online, then you can directly contact this company. You will feel peace of mind and get 100% satisfaction from the competitive price of the service from dedicated personnel of this company. A comprehensive range of services from this company in the following three categories fulfils requirements of every client beyond doubt.

• Advisory
• Technology
• Resilient office

Business continuity management services these days attract every business owner who has geared up for successfully continuing their business.  Well experienced and committed personnel of this company ensure about the continuity of effective business operations regardless of any crisis of disruption. They use technology advancements and proven methods to successfully provide the best in class nature of services. They make their clients satisfied with the overall quality of services and easy-to-follow guidelines associated with the development of the business further.  They ensure about 100% client satisfaction and organizational sustainability.  As a result, they get new clients from recommendations of existing clients.

Fulfil requirements on the business development 

Many men and women have loads of expectations about the commencement and development of the business online. On the other hand, every business person requires the absolute guidelines and easy-to-follow suggestions about how to solve problems in different categories of their business activities. If they visit continuitysa and make certain about how to enhance their business management activities, then they can feel confidence to invest in one of the most suitable services offered by a qualified team in this company.

You may have any requirement regarding your business continuity and enterprise resilience at this time. You can contact this company and concentrate on how to successfully use the personalized service and the prompt response offered by committed personnel of this company recommended by satisfied clients. You will be amazed about the overall quality of services offered by this company and enhancement in the everyday business operations without complexity in any aspect. You will get rid of stressful things related to your business. You will be encouraged to make use of the customized service offered by this leading company.…

One of the first things that you’ll be told with healthcare consulting is that patients hate waiting rooms. They always feel like they’re wasting time, especially if their doctor is late for their scheduled appointment. Fortunately, there are ways to minimize their annoyance with a well-designed waiting room. Here are just a few tips for rebuilding the space from the ground up.

1. Install Customer Service Kiosks

Instead of waiting on the attention of a receptionist, customer service kiosks allow patients to help themselves. They can check in, make payments, schedule new appointments and even write notes to their doctor that will be delivered before the doctor comes and fetches them. Kiosks are a great way to cut down on lines, and they can give patients a very positive and proactive feeling, too.

2. Offer Multiple Forms of Entertainment

Gone are the days when patients were satisfied with magazines. You’ll need to step up your game if you want to entertain your patients in today’s fast-paced world. Here are just a few ideas for waiting room excitement:

– Popular movies on communal televisions
– Games, puzzles and toys for the kids
– Real books that they can start reading as they wait
– Smartphone apps that they can download in conjunction with their visit

There are many other things that you can add to your waiting room, too. For example, adult coloring books can soothe patient anxieties, and fidget spinners can be employed by all ages to calm down. Don’t be afraid to get a little creative with your waiting room gadgets.

3. Encourage Conversation

This will be impossible during busy days when your receptionist doesn’t have time to make conversation, but when they <i>aren’t</i> swamped, encourage them to talk to your patients. Keep them engaged. Time will fly when they’re sufficiently distracted from the clock, and that’s good for the patient, the receptionist and the doctor as well.

While you can’t entirely eliminate the negative feelings associated with waiting rooms, you can certainly minimize them. Use these tips to design a better space with better patient attitudes.…

When you own horses, it’s important that you insure them. Whether they are for racing, for riding, or for your general company as pets, they should have insurance policies. It’s similar to life insurance so that your investment is protected. Knowing how the horse insurance cost is calculated can help you stay in control.

Age of the Horse

The age of the horse is going to play an important role in how the insurance is calculated. Younger horses are generally healthier. As such, they are also going to be cheaper to insure. If you wait until a horse is older to insure them, it is likely going to cost you more. The best thing to do is obtain insurance the moment you come into possession of a horse, either through birth or a purchase.

Health of the Horse

The health of a horse will be examined before a quote can be issued. If your horse is healthy, the cost will be less. However, if your horse has any kind of medical condition, it can affect their life expectancy. Insurance companies will want to protect their own investment. Horses with a less-than-average life expectancy may be more expensive to insure.

Level of Coverage

The level of coverage is also going to be a consideration. You have to decide how much money you want to insure the horses for. As you increase the value of the policy, you will also be increasing the cost of the premiums. Consider what your budget is so you can determine what kind of coverage level you can afford.

Horse insurance doesn’t have to be expensive. However, owning and caring for horses can be expensive. It makes sense to have a policy so that you’re protected if the unthinkable happens. Plus, you will have the money to buy a new horse if yours dies in one way or another.…

What comes to mind when you think about ecommerce in Europe? Do major U.S. giants like Amazon pop up? Europe is actually one of the biggest ecommerce markets in the world and home to major online retailer companies like Ikea and Otto.

These major online retailers, that are big in several countries across Europe, are not the only stars in Europe. There are also ecommerce companies that are big in their home country, even though they are not as familiar among other European consumers. Consider Dutch online retailer, Wehkamp. Started as a mail-order company in 1952, every year it is listed among the top ten online stores in the Netherlands. Outside the country borders, however, it is not widely known.

Dutch research company Veraart Research shared their retail index that lists the top 30 retailers in Europe, which ranks ecommerce companies by turnover. The following are the top 5 online stores in Europe (in billions of euros) from Veraart Research’s top ten list:

1. Schwarz – Schwarz is a private family-owned German retail group that owns and operates the Lidl and Kaufland brands. It is also the fourth-largest retailer in the world by revenue, with turnover (in billions) of 97. Schwarz headquarters is located in Germany.
2. Aldi – Currently, Aldi Nord group consists of 35 independent regional branches, with approximately 2,500 stores. Most German towns and villages have at least one Aldi shop, and Aldi stores are also located in Australia and the United States. Aldi headquarters are in Germany.
3. Carrefour – Carrefour is a French multinational retailer. It is one of the largest hypemarket chains in the world, with an estimated 12,300 self-service shops at the end of 2016. Turnover for Carrefour is 57 (in billions). Carrefour is headquartered in Boulogne Billancourt, France.
4. Tesco – Headquartered in Hertfordshire, United Kingdom, Tesco employs over 500,000 people and operates almost 7,000 stores around the world. As per Veraart Research data, Tesco turnover (in billions) is 56.
5. Edeka – Referred to as Germany’s most successful entrepreneurial initiative, Edeka is Germany’s leading group of grocery retailers with about 11,430 and an annual turnover of approximately 54 (in billions). Edeka is headquartered in Hamburg, Germany and employs an estimated 250,000 people.

Are you in the process of launching an ecommerce business? Are you searching for the best merchant services to grow your brand? Consider the many reviews and helpful information – like cutpay – the team at Best Payment Providers has to offer. Find everything you need to know to choose the right provider for your business’ unique needs.

Author Bio: Payment industry expert Taylor Cole is a passionate merchant account expert who understands the complicated world of accepting credit and debit cards at your business. His understanding of the industry and cutpay reviews has helped thousands of business owners save money and time.…