Senate Postpones Recess so that they will subtract Your attention

     
Senate Majority Leader Mitch McConnell announced earlier this week that the Senate is going to delay their August recess by two weeks so that he and his Republican cohorts can continue working on their disastrous Republican health care plan.

Now according to McConnell, they've also got a couple other items that they need to take care of, potentially processing some of Donald Trump's nominees, which both Republicans and the Trump White House are blaming on Democrats saying that they're obstructing the entire process when in reality, Donald Trump has not nominated people for a majority of the positions that are currently available.

Really the health care thing is the big project that Republicans are trying to work on. Currently the Senate version of the legislation is stalled due to the fact that the ultra-conservativewing of the party and the slightly more moderate wing of the Republican party can't come to terms on how many people we should kick off their health insurance plans because at the heart of it, that's what this is all about.

It's not about Republicans not wanting to hurt people. It's about the more conservative wing of the party wanting to cut funding for programs like Medicaid even further than the Senate bill already does. They're not trying to make it better. They're actually trying to make it worse. After seven years of complete failure to bring up any kind of plan to replace the Affordable Care Act, I'm sure that the extra two weeks Mitch McConnell is giving his Republican sin the Senate absolutely going to be more than enough time.

Think about it folks, seven years. Seven years Republicans have been whining and complaining about the Affordable Care Act, saying that they want to replace it with something else, and they couldn't come up with a replacement bill. McConnell says, "All right, two more weeks. "After seven years, two more weeks ought to be what really gives us that little extra push to go ahead and do it.

Now look, I usually am completely against the Senate and the House basically taking off the entire month of August. It's not fair. Average American workers do not get that same benefit. It's not fair that our government legislative body basically shuts down for an entire month out of the year. However, in this particular instance, I am firmly against the Senate postponing their recess. Why?

Because they're postponing it to take away health care privileges from millions of American citizens, and to be honest, I shouldn't even say health care privileges. The right to health care from 22 or 23 million American citizens is what's at stake here.

They're going to stay back for an extra two weeks to figure out how to convince all of the Republicans in that Senate chamber to come on board with this plan that is according to experts, according to analysis of this legislation, it's going to get people killed. Anywhere between 18,000 and 24,000 people a year will die as a result of this Republican health care plan.

They're going to postpone their vacation, their precious time off, just to make sure that they get this legislation passed so that tens of thousands of people every year die due to lack of access to health care coverage because Republicans took it away from them.

Why Healthcare is so Expensive

     
How do insurance monopolies and government subsidies lead to higher health care costs? Here's an example to explain why: When you go to the gas station and you want to buy a six-pack of beer it costs around six or seven dollars, but when you go to the restaurant and you buy just ONE BEER it also costs around six or seven dollars.  This is because restaurants know that people who can afford to go and dine out can also afford to pay more for beer.

The restaurants charge them more so they can make as much money as possible. Health care works the same way; health care providers like pharmaceutical companies and hospitals know that insurance companies and the government can pay more for healthcare than individual consumers, so they charge them more so the hospitals make as much money as possible.

What's the solution to the problem then? It's a free-market health care system that gives consumers choice!When you go to the supermarket and you want to buy bread you see you have multiple options, a lot of companies to choose from.  If one of those companies decided to charge people more for bread no one will buy from them because they have so many other options.

Healthcare should work the same way!​​ The problem is that there are so many regulations; small and locally owned insurance companies cannot afford to comply with these regulations.  So therefore, there is not a lot of competition and monopolies take over! Regulations should be minimized; that way more insurance companies can compete with one another and charge lower prices.

If one of the companies charges more then no one's going to buy from them and then look at the other options! Likewise, healthcare providers are going to realize that those small insurance companies cannot afford to pay so much money for healthcare so they will ha veto lower their prices! A free-market capitalist healthcare and insurance industry are what work best for consumers and struggling families.  It lowers their prices and it gives them so many options to choose.

Things Everyone Should Know About Choosing An Insurance Agent

     

Many people believe that finding the right insurance is a struggle, yet that is just valid in the event that you don't have the foggiest idea about the correct approach to discover what you require. Like whatever else, you should be instructed about the correct approach to search for the protection you need in the event that you need to discover it. This article contains various tips on protection that will help you get what you are searching for.

In the event that you can stand to do as such, it is less expensive to pay your protection premiums at the same time instead of by making regularly scheduled installments. Most insurance agencies will charge intrigue and different expenses on top of your regularly scheduled installments, or may offer a markdown for paying in a solitary single amount.

To spare cash on your protection, you ought to audit the majority of your strategies in any event once every year. Conversing with your specialist about any progressions that have happened is a decent approach to remain state-of-the-art in your scope. Tell your operator about things you have included and things you don't have any more.

To spare cash on travel protection, begin by taking a gander at what you may as of now have secured. Most mortgage holder and tenant strategies cover robbery of property; many charge cards offer unintentional passing while voyaging on the off chance that you utilized the card to pay for the outing. Some even offer auto rental protection and additional things assurance.

To keep the cost of travel protection down you ought to verify what your present medical coverage plan would cover. A few strategies, and Medicare, don't offer any scope on the off chance that you are outside of the United States and domains, others may just cover the a settled sum for a mischance however nothing for infection that requires hospitalization.

As was expressed in the start of this article, finding the correct protection is truly a matter of training. On the off chance that you know the correct approach to search for protection, you will have a simpler time finding what you require. Apply the exhortation from this article and your funds and protection strategy will be a match made in paradise.

Individual and Family Health Insurance Plan 2017 Predictions

     
What will the future of health insurance hold? Let's just consult my magic disco ball. Hi, this is Kristi DeWitt-Quintero here, and I don't know what's going to happen to health insurance in 2017. Some people are holding onto the hope that miraculously it will all be cured before January 1, 2017. EEEEH! I don't think so!So here's what you're going to do: First of all, look at your options. What are your options?Well, you should go onto the ACA site and look at their plans OR you can contact me- I'm Kristi DeWitt-Quintero and you can email me at Kristi@PHXHealthInsurance. com, that's Kristi - K-R-I-S-T-I at Health Insurance. com. I don't know what the future holds, but I know what plans are available for 2017. So get a hold of me right away because my plans are saving people anywhere from $300- $1,000 per month per family. I hope you're in good spirits this holiday season, and I hope to make it even better. What will happen if they don't email me?Um, you'll probably spend a lot of money. Thanks so much - good luck out there! 

Individual and Family Health Insurance Plan 2017 Predictions

Insurance Market Outlook 2017

     
Thank you for tuning in. As you may know, each year, Wells Fargo Insurance publishes an Insurance Market Outlook, which provides a look forward to the coming year. In the report, our knowledgeable national practice leaders share their thoughts on 18 different coverage areas to give you the timely information you need to understand: today's market, market capacity, topical issues, and what's expected for the year ahead. Casualty and alternative risk national practice leader, Doug O'Brien, is here along with Meredith Schnur, professional risk national practice leader, to share some highlights of the report.

>> Well, I'm pleased to share that as we predicted in our 2016 Market Outlook, 2016 was a buyer's market for both property and casualty commercial insurance and affiliated lines. The majority of insureds experienced medium to high single-digit to low double-digit rate decreases. Abundant market capacity and competition for new business helped drive prices down overall for the majority of insureds, despite an environment of level or declining treasury yields.

>> Now, looking forward to 2017, experts predict the U. S. economy will continue to expand. Job growth means higher payroll, sales, more autos owned or leased for business purposes,increased construction, property expansion, and more, which will increase gross premiums underwritten. The majority of insureds will continue to see reductions, just not as high as in prior-years. We are beginning to see the pace of reductions slowing, and the market stabilizing somewhat. So, what are some of the specific factors and trends that will affect the 2017 market,Doug?

>> The specific factors and trends that will affect the 2017 market run a very wide gamut,but one we'll likely continue to hear about in 2017 is cyber liability, as noted by mycolleague Meredith Schnur, professional risk national practice leader. 

>> That's right, Doug. Cyber liability insurance, which is a newer product, continues to expand in scope as have the cyber attacks and high profile data breaches they are intended to cover. Impostor fraud is also growing, further increasing the focus on cyber crime. Aggregation is a concern for cyber carriers, because a single data privacy event could result in multiple claims reported to the same insurance companies. 

>> Some of the other notable factors and trends to watch for the 2017 market include: a continuedrise in medical inflation; expected changes to the Affordable Care Act,which may make coverage less available or increase costs, and which may drive injured people to file workers' compensation claims in lieu of healthcare claims; terrorist events increasingly occurring on U. S. soil; Florida workers' compensation premiums were raised 15% following a court ruling on negotiated fee agreements, although that hike is now delayed due to another court ruling; the elimination of the option for employers to opt out of the Workers' Compensation Act in Oklahoma, which will likely drive up employer costs;an increase in securities class action filings; and a continued carrier focus on data analytics in the underwriting process. 

All told, we believe insurers will sustain underwriting profitability, resulting in the continuance of a buyer's market. Buyers of guaranteed-cost or low-deductible programs will experience lower reductions and likely single-digit increases in 2017, compared to buyers of large deductible and retention programs. Visit our website at wfis. wells fargo. com to read our full 2017 Insurance Market Outlook,with information on specific coverage areas, trends, and premium pricing forecasts.

Insurance Market Outlook 2017

Insurance Information: How to become an insurance agent

     
We're here to discuss the intricate details of protection. Today, will talk about, how to wind up distinctly a protection office. Only a little foundation that you may need. Most organizations that are searching for protection offices, or operators, don't really require an advanced education, however it is profoundly suggested that you do have no less than a four year college education.

It truly doesn't make a difference what that degree is in, yet a four year college education is useful. A portion of the identity qualities that may help you in this calling, is you should will to go out and meet and converse with individuals, in light of the fact that in all reality, you are a professional,but you're likewise a sales representative, and you need the capacity to chat with individuals, and associate well with individuals. In turning into a Insurance  Specialist, there are a few unique tracks that you can take. 

Insurance Information: How to become an insurance agent
One of the least demanding and most normal tracks individuals take, is to apply to be a specialist, with what is brought in the business, an immediate essayist company,or a select organization, or a hostage office, for example, State Farm Insurance, or Allstate Insurance, or Farmers, and there are numerous different organizations, that do that. The advantages to beginning your vocation as a protection agent,with one of these sorts of organizations, is they give a lot of preparing. They do offer sponsored pay bundles, in your initial years. The way a protection specialist gets paid, is a commission, in view of the premiums that are accumulated on the protection arrangements, that are sold,and as your book of customer base increases,then clearly, your wage level will build, so in the early years, it can be hard to get built up as a protection operator, since you don't make a gigantic measure of cash, off of every individual approach, in advance. 

After some time however, notwithstanding, you will gather a huge customer base, and your wages will increment. Working with a hostage company,you do get typically better than average preparing, the improved pay arranges in the early years,but there are a few disadvantages to acting as a hostage operator, since you are attached to quite recently that one organization, and you're constrained to what that organization can do. One of alternate roads that you can take to end up distinctly a protection operator, is to go to work for a free protection specialist. 

An autonomous protection operator, is somebody who does not really speak to only one bearer, but rather speaks to various transporters, and numerous sorts of protection. A portion of the benefits of working with a free protection specialist, is that you are not tied into any one organization. You can really coordinate the organization, or go out and look fora organization, that matches the customers that you have. 

A portion of the drawbacks to it, is that there are not typically any appropriation accessible to you, to help you begin, thus you truly need to recognize what you're doing. There's not as much preparing gave. It's to a greater degree a hands on learning knowledge.

The best insurance tips for millennials

     

5 best protection tips for millennialsAdulting (verb) - acting like a grown-up or taking part in exercises normally connected with adulthood, frequently mindful or exhausting tasks.1

In case you're a millennial, you know this definition great. You've achieved the age where you might take out understudy advances, purchasing or leasing a place to live, having children and, eventually, obtaining protection. These real life occasions for millennials make it critical to have a money related security net. What's more, that is precisely what protection is: a monetary security net. So it's disturbing that a study from Princeton Survey Research Associates International named millennials the most under insured era.

There are many reasons why individuals of all eras abstain from obtaining protection. It's regularly observed as a major venture, however that doesn't really imply that it's a costly one. Truth be told, protection most likely costs short of what you think. For example, as indicated by the National Association of Insurance Commissioners (NAIC), millennials overestimated the cost of tenants protection by more than five circumstances its genuine cost every year.

Additionally, the convoluted terms can make finding an arrangement a confusing knowledge and the topic can be difficult to process. Nobody needs to consider being in a pile up, encountering a break in, losing everything in a flat fire or whatever other kind of awful, surprising occasion. Be that as it may, these things can happen, so you'll need to be readied.

What's more, don't give any underlying perplexity or assumptions a chance to push you away. You're a millennial, all things considered! Your era is continually handling new difficulties and growing the way the world works, in many cases in splendid ways.

Protection gives basic budgetary assurance to your future, so now's an ideal opportunity to begin "adulting" and venture out.

Here are five tips for purchasing protection:

Shop keen. When searching for protection, your No. 1 need ought to be to discover satisfactory scope. Cost is vital, yet you'll need to figure out what sort of scope you require first. At that point you can fit that scope into your financial plan and figure out which transporter can furnish you with the most extensive approach for your circumstance. You might be enticed to pick protection with the least sticker price, yet in the event that you don't have enough scope (or the correct sort of scope), you will see less money related advantage when it comes time to record a claim.

Search for rebates. When you assess your scope needs, calculate your financial plan and discover approaches to spare. Inquire as to whether there are any rebates on your scope. Regularly, bearers offer rebates for things like forking over the required funds, staying car collision free or, in case you're in school, getting decent evaluations. You additionally can spare cash by "packaging" numerous arrangements, for example, acquiring a home and auto strategy from a similar transporter.

Fill in the crevices. A normal approach will cover the nuts and bolts, however you may need to add additional scope to meet your interesting needs. For example, you may have things like hardware or a pleasant bit of adornments that would be monetarily hard to supplant, even with the help of your normal leaseholders or mortgage holders strategy. You might need to include extra scope for these things.

Buy disaster protection—you aren't excessively youthful. Disaster protection is fundamental, regardless of how youthful or old you are. What's more, for millennials, purchasing now might be a savvy move since it's less expensive to purchase a life coverage approach when you're youthful and solid. This sort of protection can help your family take care of unforeseen expenses in your nonappearance, including understudy credit obligation or a home loan, notwithstanding end-of-life expenses. What's more, on the off chance that you have children, an extra security strategy can likewise bolster their training or childcare costs. Furthermore, every millennial ought to consider long haul handicap scope, which helps you remain above water monetarily if a mishap happens and you get to be distinctly handicapped and not able to work.

Converse with a free operator. A free protection specialist is a basic asset when buying protection—particularly if this is your first time. An autonomous specialist works with numerous diverse bearers, which is not the same as hostage operators who can just offer protection from the transporter they work for. Working with a free operator can help ensure that you are getting the best scope, at the best cost. You'll likewise profit by autonomous specialists' protection learning; they know how to talk you through your choices and really clarify what every arrangement incorporates. A free specialist will ensure the greater part of your benefits are secured, help you discover rebates or different approaches to spare, and be a significant asset as your life changes and your protection needs change, as well.

The best insurance tips for millennials

4 Reasons You Need Car Insurance

     
Meet Joe Average. This is Joe's car. Joe loves his car. Like most South African car owners, Joe Average doesn't have car insurance. That's a lot of cars that are. . .  a bit off color when it comes to insurance. 

Like most, Joe believes that he doesn't need it. But Joe Average, like everyone else does need car insurance.  We'll tell you Joe, if you promise to use your words.  You're a stick man, not a cave man. Alright, well here are the four reasons that you need car insurance. 

The main reason that people like Joe don't have car insurance is because they don't want to fork out a monthly premium. What people like Joe don't consider is that without insurance they're risking their savings and other assets every time they take their car for a spin. 

Why? Because accidents happen and vehicle accidents can be expensive.  And while we're on the subject of accidents let's move on to our second reason.  Apart from covering Joe Average for damages insurance will also cover him for legal liability following a vehicle accident that caused bodily injury or death to other parties,or damage to their property.  This includes legal costs that someone can claim from Joe. Reason three.  

Without insurance who will help Joe if he's involved in an accident? Who will tow him home? Help him find someone to repair his car?Help him organize a car that he can drive while his car is being repaired? Or, what if his car is a write-off? Who will help him find a replacement vehicle?With reliable insurance all these things will be taken care of. And on to the final reason on why you need vehicle insurance. Joe's an Ace Driver.  

He adheres to the rules of the road and doesn't drive under the influence of alcohol.  But on the road Joe is surrounded by drivers who aren't Ace Drivers, but are in fact Driving Duds and their unpredictable behavior can cause many accidents.  Eish! is right Joe.  As a matter fact, there are more than 500,000 vehicle accidents per year in South Africa. So don't be like the average Joe, make the smart choice and be prepared by taking out car insurance today.