I love the restaurant business. Hi. I'm Michael. For 3 years I've owned an
Italian restaurant.
We're known for the best homemade pasta in
town. And I'm also a businessman. That means I have to keep an eye on costs. One way I do that is by having workers' compensation
insurance coverage that fits my business.
Restaurants get hectic. Slips, trips and falls
happen. So I need an insurance carrier who will help
me prevent on the job injuries and keep my premiums low. My insurance carrier provides me with a plate
full of online resources to better manage risk, reduce workplace accidents, and stay
current with the latest OSHA information.
They also help me manage cash flow with competitive
pricing and flexible payment plans. In some states they offer premium discounts,
and in others they offer policy dividends. With over 100 years of experience with businesses
like mine, I know EMPLOYERS is a carrier I. Can trust and rely on.
Let me get you
some help, truman. You're not well. Why do you want to
have a baby with me? You can't stand me. That's not true.
Why don't you let me fix you
some of this
new mococoa drink? All natural cocoa beans
from the upper slopes
of mt. Nicaragua. No artificial sweeteners. What the hell
are you talkin' about? Who are you talkin' to? I've tasted other cocoas.
This is the best.
What the hell
does this have to do
with anything? Tell me
what's happening! Well, you're having
a nervous breakdown,
that's what's happening. You're part of this,
aren't you? [Gasping]
truman. Meryl! You are scaring me. No.
You're scaring me, meryl. What are you going to do?
Dice me? Slice me and peel me? There are
so many choices! [Screams] <i>Do something!</I> <i>What?</I> <i>What did you say?</I> Who were you
talking to? Nothing.
I didn't say anything. I didn't say anything. You said "do something." No, I didn't.
I wasn't talking to anybody.
[Banging on door]
talk to me! I don't know anything.
Please stop. Stay where you are. (Marlon)
truman? Truman. Oh, thank god! [Sobbing] [meryl crying] How can anyone
expect me To carry on
under these conditions? It's unprofessional..
Howdy everybody it's Mark Lyne from ... Okay wait a minute I was covering up the mic... Alright, it's Mark Lyne from Central Texas Insurance - A Mark Lyne Agency. I wanted to talk today about deductibles.
You'll notice the background is not moving I'm in the car, but not driving. There's two types of deductibles, the first is Collision, it's exactly what it sounds like it's if somebody were to collide with you or you were to collide with somebody else or, something that is standing still, for example. And the second type is Other Than Collision or some people will call it Comprehensive. So the first type of deductible Collision is the most expensive deductible of the two.
For that one we are usually paying for doctors, lawyers, brand new vehicles, you know... People usually have a lot more bodily injury in a Collision, their cars sustain a lot more damage that kind of thing... Comprehensive or Other Than Collision - best way I know how to explain that is it's stupid animals, mean people and God. So, for example, if a deer, if you hit a deer or a deer hits you if somebody vandalizes your car or if there's a hail storm or something along those lines, or the occasional piece of flying plywood like the one that hit my car a couple of months ago, so, anyway, call me, I can tell you a little bit more about that story.
So, that's it, your two ah, two auto deductibles sort of explained quickly. - Other Than Collision - stupid animals, mean people & God - Collision - you ramming into things or things ramming into you Thanks a lot and have a great day - Bye!.
Stephanie Martinez with SuperGlass Windshield
Repair. I am owner/operator since 2003. Super Glass is a repair company.
We repair windshields. You get a little chip in your windshield and we prevent
it from getting any bigger.
If you don't repair the crack as soon as possible,
the damage can get bigger. Then you're going to have to replace
it. But what you want to do is you want to try and fix it as soon as possible,
because once it's an older damage, older crack, then dirt gets inside
there, water gets inside there, and that's when your repairs don't come out
as clean. And if the customer's not satisfied, we can't ask for payment.
We
want the customer to be satisfied. We know what is a good repair and
what is not. If we don't like it, we don't charge the customer. We can do cash jobs starting off at $35.
But
you might want to check with your insurance company first to see if it's
covered. Sometimes insurance companies they give you three repairs per
year, and there's no out-of- pocket, no cost to the customer, and there's
no claim. It's a competitive industry, but we have one
of the best repair materials, and so we are the national vendor for one
of the number one rental companies and some of the major truck rental
companies. We are a mobile service.
So what they can
do is give us a call and we set up an appointment. We can go to their home,
to their work, to the mall, wherever they want their car fixed. My website is Jippidy.Com/Superglass. I just
wanted to say thank you for your time, and if you need any type of service,
give us a call.
If you have any questions, please give us a call. But
we do service San Francisco and San Mateo County, and hope to talk to you
soon..
- Hi guys, we're gonna do
the stinky fish challenge. And it is right here! - Yep. - And my dad is gonna eat
it, and we have prizes, so if we run around we
don't get the prize. My prize is a bike.
- And my prize is the Flipzee Girl. - Yep, this is the stinkiest
food in the whole wide world. It's the fish the Viking used to store on their ship voyages, and I'm gonna take a bite of it. And if Aisley and Demery don't run away when I open up this can,
Aisley gets a new bike, and what do you get, Demery? - A Flipzee Girl.
- And what do you get, baby? - Diamonds. - Diamonds. - Many of them. - All right, all right everyone.
We're gonna open up this can here. This is the stinkiest food... (Girls laugh) in the whole wide world. (Girls and dad laugh) (gagging noise) Do you guys smell that? (Gagging noise) (girls cough) (family laughs) (gagging sound) (family laughs) How am I gonna eat this? - Here you go, here you go.
(Gagging sound) (family laughs) - Oh, God, that's-- (family laughs) Hold on, baby! I gotta open up this can, and eat it! (Gagging sound) (family laughs) - It smells like a toot! (Family laughs) - It smells like a toot! - Oh my God. Oh my God. Hold on baby! (Girl laughs) (gagging sound) - You can taste it! - Taste it? - I Gotta open this. Where you going, demi? - I am not going anywhere! - Oh, hold on, daddy's gotta take a bite.
Woof. I'm just trying to open it. - Is it open? (Gagging sound) - Hurry, don't like this! - Oh, it's spraying on me! (Family laughs) Daddy's just gotta take a bite, baby! (Dad laughs) - Mommy, don't! (Gagging sound) - Oh my God. (Gagging sound) That's so stinky.
(Family laughs) Oh, hold on. - Is it open? - Hold on, it's open now. Oh, hold on baby. Aisley, Demery, you gotta
look at the camera, sweetie.
- Ahh! - Oh my gosh. - If you get used to it, guys, it doesn't smell like it-- - Oh, Aisley! - Oh, oh... - I'm gonna throw up. - It's a ba- ohh! (Gagging sound) - Okay, one bite.
Baby, you gotta look at the camera, man. Are you even in frame right now? - I don't know, but I just threw up. - Just get a little closer. - It doesn't smell like anything! - Come on! - Oh, Demery just threw up! - Demi just threw up.
- All right, hold on. I'm gonna take one bite. (Retching) - [Demeray] I wanna
get out of this camera! - Oh, I did it. - Can we stop this camera? (Retching) - Come on, let's go.
(Girl laughs) - Do I get my bike? - Yep. - I got my bike? - Yeah. Here, we have to get rid of this. Gross! - Demery throwed up! - She did.
- Look at that! - Can I get out now? (Dad laughs) Are you okay, did you barf? Oh, momma barfed! (Retching) Throw up Sounds Throw up Sounds again More throw up sounds Multiple throw up sounds Daddy, throw this away! (Water running) Throw up sounds over and over again (dog's claws clicking on wood floor) (retching) (water running) Oh my God..
Hi my name is John Yannone. I'm a personal injury attorney with Price
Benowitz. If you've experienced the unfortunate circumstance
of being involved in an accident there are certain things you should consider doing. There will come a time that the at fault party's
insurance company will try to reach you by telephone.
They will ask for information. It's very important that you do not feel compelled
to be cooperative. You have no obligation to that insurance company.
You have no obligation to cooperate. In fact, it's most important in many instances
that you do not.
Many times they will act as if they are there
to help you. That they want to do the right thing. That they want to resolve things in
a favorable way. People will find that they will extract the
information they want from you, and then do just the opposite,
that they are not there for you.
That they are not looking out for your interests,
they're looking out for their insured's interest, and they're looking out for the interest of
their company. Another issue you should be aware of is that
in many states, and certainly in our jurisdictions in the Metropolitan area, there's something
called a Defense of Contributory Negligence. That means if you are deemed the least bit
negligent your claim can be barred. So when the insurance company is seeking information,
they may very well be trying to establish facts that are favorable to their insured,
and not to you.
You can report that you were the party involved
in the accident, but when it comes time for a recorded statement, you can refuse to give
that statement. In fact by this time, it is important that
you seek if you have not already done so; that you seek competent representation, so
that these matters can be addressed head on; and you can be advised of your rights. That is when a competent, experienced, aggressive
personal injury attorney comes in handy. Not only to advise you of your rights, but
then to take over the handling of your case, so that you can concentrate on what you need
to concentrate on, which is getting better and following your doctor's advice.
A competent attorney will then take over the
handling of your case, deal with the insurance company, and you don't have to worry about
those matters. If you have the need for an attorney if you've
been involved in an accident call me, and I will be happy to consult with you..
Welcome to Carmoza Auto Transport. As the
nation's leading vehicle transporter, we're here to answer your questions and to help
you cut through the clutter of auto transport companies. If you've already requested a quote from an
online auto transport broker - you've likely been inundated with responses. But, how do
companies differ? And who can you trust? It can be a confusing and intimidating process.
We know what you're going through and would
like to clarify a few things right up front. Auto transport is a pretty straightforward
process - and only three things really matter: First, is your vehicle going to be picked
up and delivered on time? Second, safety. While most vehicles are safely
moved, accidents do happen. As a result, insurance is not something "nice to have," it is something
you need to have.
Quite simply, if something were to go wrong, is the company you are using
to transport your vehicle going to be there to back you up? And lastly, accurate pricing. The lowest price
means nothing. As you compare quotes, how do you know what the "right" price is? The
right price is the real price it will take to get the right vehicle to the right place
at the right time. Many transport companies talk a good game,
but when it comes to proving what they claim...
Well, that's a whole different story. Most
brokers are not insured... Most have no quality controls in place to monitor the drivers they
use, and many will tell you one price up-front just to get your business - only to tack-on
hidden charges and fees later. Carmoza Auto Transport is different.
As the
nation's leading vehicle transporter, we've put a whole new spin on the auto transport
industry. We serve the entire United States, providing professional, door-to-door vehicle
transport services - with competitive rates. To top it all off - we provide premium full
coverage insurance and the highest level of quality and service. Quite simply...
We take
the worry out of shipping your vehicle. By utilizing the nation's most reliable network
of automobile carriers, we are able to transport your car in a safe and timely manner, door-to-door,
to any destination in the United States - including Puerto Rico, Alaska and Hawaii.
All of our drivers are both bonded and insured - and we treat every car as if it were our
own. With Carmoza Auto Transport, you can expect
a higher level of quality! Carmoza takes the time to pre-screen every
carrier it uses. In addition, every Carmoza customer gets a survey at the end of their
move.
We do this to get feedback on how satisfied each customer was with the service they received.
We constantly measure the performance of our drivers based on direct customer feedback.
If you are talking with other companies, ask them to explain how they measure the quality
of their drivers. We do our very best to ensure every vehicle
is picked up and delivered on time. We have back up transporters on every route and a
team of highly trained professionals that monitor each load's schedule. All of our carriers are top-notch professionals
who value their cargo and take every precaution necessary to avoid any damage to your vehicle.
To provide you with the maximum protection and peace of mind, we also carry $500,000
in contingent cargo insurance.
If something were to go wrong, with Carmoza you are covered.
Many brokers will tell you that they have insurance when in reality they do not. For
your protection, ask every company to provide proof of cargo insurance. If a company cannot
provide you with proof of cargo insurance - THEY DON'T HAVE INSURANCE! Carmoza's management team is comprised of
extremely talented and nationally renowned executives. Our CEO is Pat Croce, a successful
entrepreneur who was once part-owner of the Philadelphia 76ers basketball team.
Our President
is Peter Fong, who was formerly the President of the Chrysler brand! Our leaders have high
expectations and are focused on increasing the level of service people receive during
auto transport. We take the worry out of shipping your vehicles.
See for yourself how easy and cost effective it is to get the level of service that you
deserve! For more information or a free quote, please
contact one of our transport specialists to discuss your specific transport needs. Our
representatives are available Monday through Saturday from 8am to 8pm Eastern time at 1-888-708-0880.
Be sure to ask about auto club and military discounts. Our website is also a great place to learn
more.
In addition to detailed information about our door-to-door service, you'll find
our easy-to-use transport form. Just tell us about your move and a representative from
Carmoza Auto Transport will respond with a customized quote as soon as possible. Carmoza Auto Transport - safe, reliable, insured,
door-to-door auto transport at competitive rates. Why settle for anything less? Give
yourself peace of mind with Carmoza Auto Transport..
[Low music in headphones] Yo. Hey, yo. Hey, yo. Yo, yo.
Excuse--Excuse me? Oh man, oh man, oh man. I'll tell you one thing, if 9/11st were to happen up
on this here plane, psht, don't worry. We got this. Oh.
Okay, I have no idea
what you're talking about. He said that if them terries
is gonna try something up in here today, like
the bounce, boogie, and bump, that we got this shit on lock. Terr--Do you mean terrorists? - Oh yeah.
- Hells yeah, baby. He ain't talking
about Teri Garr.
And I certainly ain't talking
about no terry cloth. I mean, if a terry up
on this plane, even thinking about trying
to do something, we gon' draxx him up. You're gonna--
You're gonna what? We're gonna
draxx him sklounst. I think what my partner's
trying to say is if any terries
come up in here, - we gon' get our Berger on.
- Yeah.
Did something happen,
or did I miss something? Is this hypothetical, or... Oh, we're gon' definitely
drop some hypotheticals on that terry's clavicle,
'cause I'm talking 'bout... [Imitates neck breaking] [both imitating blood spurting] Don't you just wish though? Don't you just wish
in your heart of hearts... Yeah.
Yeah. Some terry would come up
in here, trying some grab-ass, and the touchy-feely? That's the opposite of what I
want to have happen on a plane. Okay. That's unfortunate.
Conference. This was unexpected. It certainly was. I'm thrown right now as
to who's gonna be our comrade.
I can still hear you. He doesn't have the heart,
nor the gumption. You're literally right next
to me, so... On three, break.
Three. Yoo-hoo. I got an idea,
feel free to say no, but can we switch seats? I will not take no
for an answer. Why? That's the combat seat,
Jonathan Livingston Seagull.
If you gon' be
in the combat seat then you gots to be willing
to blast up on some terries. Because with great power come great responsitrillitrust. Okay. I just--
I just wanted some leg room.
Um... Okay, Max Legroom. You get yours. Meanwhile, I'm gon' go
Hayden Pantinerry on some terries.
Especially when they get froggy. Ribbit, ribbit. - Yeah.
- Um... You gon' have to be ready
to kidnap a terry.
- I don't--
- You gon' have to be ready to torture a terry. I don't think
that's necessary. Absolutely, you have to
fireboard those motherjammers. I don't even understand
what that means.
Do you trust me? No. I'll take that as a yes. Okay. Trust.
These terries come up in here
trying to act froggy... Whoo! Then we gon' give them
the Rainbow Connection. Here, froggy, froggy,
froggy, froggy. Is that a box cutter? Oh, you best believe it, baby.
We gon' be eatin'
like Diane Keaton. 2.36 Inches, baby. Shifax. Perfectly leg-well.
And if those don't work, you know I'm working up
that Plan B, brother. [Suspenseful music] You have a gun? Oh, yeah.
3-D printer, baby. 100% Polyurethane. They can't detect
these mamajamas.
They have a--
They have a weap-- They have--
They-- They have a weapon!
They have a weapon! - Oh, God!
- These guys got a weapon. - Who got a weapon?
- Where you at terry? Everybody relax.
We takin' control of this plane. No, wait a minute,
I'm not with them. [All shouting] The guy on the right
is the ringleader.
Ow! I don't know them.
I don't know them. I don't know those guys. I'm on vacation. [Whimsical music] Draxx.
- ALL RIGHT,
Y'ALL GATHER ROUND.
GATHER ROUND.
WELCOME, GENTLEMEN. WHAT A BEAUTIFUL AND BLESSED DAY
FOR AN AUCTION. ALL RIGHT, Y'ALL,
GET ON UP THERE.
- PUT THAT WHIP DOWN
AND SEE WHAT HAPPENS, THOUGH. - STRAIGHT UP. I DON'T CARE WHAT PLANTATION
I END UP ON. I'M STRAIGHT STAGING A REVOLT
IN THIS MOTHER[bleep].
- HELLS YEAH. - WE HAVE LOT A,
LOT B, AND LOT C. - UH, $3 ON LOT A.
- $4. - 5! - $5 GOING ONCE, TWICE,
THREE TIMES, SOLD.
LOT A GOES TO THE MAN
IN THE BLACK HAT. - I MEAN, GOOD.
- YEAH. - [Chuckles] I'M GLAD
I DIDN'T GET SOLD, 'CAUSE I DON'T WANT TO BE OWNED
BY ANOTHER HUMAN BEING. - WHOEVER BUYS ME, THEY BETTER
KILL ME THE FIRST DAY, OR I'MA GO BUCK-WILD
ON THE WHOLE OPERATION.
- OKAAY? - NEXT ONE,
GET UP ON UP THERE, NOW. - OH, THIS--OKAY. Both: [inhale] - $6 ON LOT A. - $7!
- EIGHT.
- 9! - $9 GOING ONCE, TWICE,
THREE TIMES, SOLD! Both: [exhale] - OKAY, WELL,
YOU HAVE TO BUY THAT DUDE. - IT'S A NO-BRAINER.
- I MEAN, THAT GUY'S HUGE. - A MASSIVE INDIVIDUAL. - THAT'S TWO OF ME.
- ANYBODY WOULD BUY HIM.
- I'D BUY THAT DUDE. - MY QUESTION IS
HOW'D THEY CATCH HIM? - NEXT! - OKAY. OH, YEAH.
- YEAH. - $2 ON LOT A.
- $2 GOING ONCE, TWICE,
THREE TIMES, SOLD. - SEE, NOW,
THAT SURPRISES ME. - THAT IS INTERESTING,
TO SAY THE LEAST. - I MEAN, WELL, IT JUST SEEMS
LIKE AT A CERTAIN POINT, IT'S LIKE, DO THEY EVEN KNOW
WHAT THEY'RE LOOKING FOR? - IT'S LIKE
THE WHOLE CRITERIA.
SEEMS JUST A LITTLE
INCONSISTENT. - I MEAN, AT SOME POINT,
I WANT TO BE ON LOT A. - YEAH, WHICH--
CAN A BROTHA GET ON LOT A? - NEXT. - OH, HERE WE GO.
- HERE WE GO.
- BEEN A PLEASURE.
- GIVE 'EM HELL. - ALL RIGHT.
- OKAY. - $8 ON LOT A. - GOING ONCE, TWICE,
THREE TIMES, SOLD! - HOW DOES THAT HAPPEN?
- NOPE, NOT TRUE.
- HOW DOES IT HAPPEN? - WHAT YOU JUST SAID--
THAT'S GOBBLEDYGOOK. OKAY? THAT CAN'T BE TRUE.
'CAUSE WHAT CAN THIS DUDE DO? LOOK AT HIM.
WHAT COULD HE PICK? A COTTON PLANT
IS, LIKE, THIS TALL. - YES.
- I'M SAY-- NO OFFENSE, BROTHA,
I'M JUST SAYING. - OFFENSE TAKEN.
- WHA--[gasps] AM I WRONG? IS HE NOT SHORT?
HE'S SHORT.
BUT YOU ARE ACTUALLY SHORT
IN REAL LIFE, IN THE WORLD. - YOU'RE GOOD, MAN.
- ENOUGH. I WILL NOT HAVE
MY REPUTATION TAINTED, SELLIN' SUPERFICIAL,
BIGOTED SLAVES. - SUPERFICIAL? DID THAT REALLY
JUST COME OUT OF YOUR MOUTH? - THAT'S IT!
THIS AUCTION'S OVER! - AUCTION'S OVER?
- WHOA, WHOA, WHOA.
NO, IT'S--IT AIN'T OVER.
IT'S NOT OVER! I'M STRONG, Y'ALL! I'M VERY STR--
I CAN SLEEP IN A BUCKET. - I'M FAST, I GOT STAMINA,
AND I KNOW MAGIC. - MY WORST QUALITY
IS THAT I'M A PERFECTIONIST. - LET ME MEN--
HAVE I MENTIONED THIS? DOCILE.
I AM AGREEABLE
TO A FAULT. YOU SHOULD HAVE SEEN THE DUDE
WHO ASKED ME TO GET ON THE BOAT. WHEN WE CAME OVER HERE. - NOT A VIOLENT BONE
IN MY BODY.
- I JUST WALKED RIGHT ON,
NO BIG DEAL. NEVER SEEN A BOAT
IN MY LIFE..
[Music] Buying a new vehicle or selling a vehicle to another individual means that you need to transfer the car title. Transferring the title might sound complicated, but the process is not as hard as it might seem. The three most common reasons for transferring your car title are: transferring from a dealer, transferring after a move, or transferring when selling your car. The dealer will fill out the back of the
current title with their information, the number of miles on the odometer, and your information.
If there's more than one individual on the vehicle title, then both names are filled out. The dealer will then sign the back of the title and you will sign it too, which is the initial transfer of ownership. After the original title is filled out, go to the local Department of Motor Vehicles with the title from the dealer. Register the vehicle by filling out the paperwork provided at the DMV's office.
You will receive a paper to transfer the title from one owner to the other. Fill out the document with the name of the previous owner and then your name as the new owner. Turn in the paperwork and pay any
fees that are required. You will turn over the original title, and the state will send a new title in the mail to your current address.
When you move to another state, you will be required to transfer your title to the appropriate state at the time you register your vehicle and change your license. The documents you will need after a move include the current title, a driver's license, a birth certificate, another form of ID such as a passport, and the documents provided by the DMV. Change your driver's license first and then register your vehicle. When you register the vehicle, you will transfer the title from one state to the other.
That mean the previous owner section will still be your name. Put your name in that section of the paperwork, as well as a section
for the current owner. The state will send you the new title when the paperwork processes. If you're selling the car to any other individual or you're trading it in at a dealership, then you will need to transfer the title.
Fill up the back of the title, and put the number of miles from the odometer in the appropriate space. According to DMV.Org, you will also need
to fill out a bill of sale with the price of the vehicle. The bill of sale allows the DMV to set appropriate state taxes when the buyer registers the vehicle. After you fill out the back of the title and bill of sale, your pardon transferring the title to the buyer is complete.
The buyer is then responsible for the remaining paperwork that is completed when the vehicle is registered. Transferring a title is not hard, but it will vary slightly based on the situation. Whether you're transferring it to a different state, selling a vehicle, or getting a title after purchasing from a dealer, the process is relatively
simple. [Music].
Hello how are you in this video I will discuss and put
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Hi, I'm Scott O'Sullivan and this is the first in a video blog series where I answer your questions that I get every day in my practice. I encourage you to watch the following videos and, as always, if you have any questions please feel free to give me a call. I've been representing motorcycle riders since about 1998. As a former rider, I understand the seriousness of how accidents can effect people's lives I actually stopped riding in about 1992 when my good friend Mark died on his motorcycle just down the street from where I lived.
At that point I realized just how serious these accidents can be for people. And, I represent motorcycle riders throughout the state of Colorado who've been hurt through somebody else's negligence. Usually it's when somebody makes a left hand turn right in front of them and they hit the motorcycle rider right
in the broad side. Motorcycle accidents have a terrible impact on people's lives whether it's the medical bills recovery from your injuries, time away from work and family, and trying to recover.
These are things that we can help you with and that I help people with every single day in their motorcycle accidents. And one of things that I would like you to do today is get as much motorcycle insurance as you can afford. This will help you in the end, God forbid you get hit, help you get your medical bills paid, your lost wages, and other damages that just aren't covered by the other side, because
chances are they don't have enough insurance. If you have any insurance questions regarding your motorcycle, or if you've been in an accident, give me a call today..
Finding the right homeowners
insurance requires research and preparation. To save you time and
potential surprises, the loan professionals
at 1st Mariner Mortgage have developed these
tips to get you started! Choosing the right kind
of homeowners insurance from the right
company is important. Here are some tips to
help you in the process. First, get past the
advertising fluff.
Just because a company has
the advertising budget for big mailings with
flashy brochures, that doesn't necessarily
mean it's the best. Always do your homework, and don't buy from the
first company you see. Check your state's website, because they generally
provide good information on what your homeowners
insurance will cover in terms of local
weather conditions, state codes and
zoning issues. Also, many states list
consumer complaints against particular companies from local residents.
Make sure the coverage
is appropriate for you, by comparing the
company's areas of focus with the needs of
your particular home and geographic area. Familiarize yourself
with the claims process. It may turn out that
making a repair yourself will be less expensive than the increase in your
premium if you file a claim. Finally, get a home inspection
by a certified professional, and make sure that any potential
problems he discovers are covered by your
policy before you commit.
Buying homeowners insurance
is like anything else: doing your homework before you buy will always pay dividends..
Hey, what's up this is Matt and this is gone in 60 seconds. Do you know a question I get a lot? Hey, why do you raise my auto insurance? Well I didn't raise your auto insurance, okay, I'm just an agent. There is a guy in a dark room with a lot of numbers that decided it will be a good idea to raise your rate and I'm going to explain to you why he does that. Okay? He does it because things are getting more expensive.
Okay? The average cost of a car in 2016 is over $33,000 for a new car, but not everybody buys a new car, right? That's cool. The average cost of a used car is $18,800 alright? Everything is getting more expensive bumpers have cameras and sensors in them raters and sonar and all kind of stuffs in there. Anyway the average property claim is $4,000 alright? That's a lot more than it was just a few years ago. Thats why these rates are going up.
It has to pay for this stuff so that's reason one. The next time I'm going to talk to you Im going to talk about how much medical is going up. You guys know that too, right? Okay, thanks for watching..
Thank you for joining us today for an overview of the SHOP Marketplace, and the application and enrollment process for SHOP coverage that starts in 2015. This presentation addresses the SHOP Marketplace run by the federal government known as the Federally-facilitated SHOP Marketplace and also as the FF-SHOP. States running their own SHOP Marketplace may operate differently. If youre unsure whether your state uses the Federally-facilitated SHOP.
Marketplace or runs its own SHOP Marketplace, please visit Healthcare.Gov for more information. This presentation is not intended for the press. If you are a member of the press or other media outlets, please contact the CMS press office for further information at press@cms.Hhs.Gov. This presentation is also available on Marketplace.Cms.Gov.
Finally, the information presented here is not intended as legal or tax advice. For such advice, we encourage you to contact a legal or tax professional. Thank you, and now, we'll begin. This presentation explains the features of the Federally-facilitated Small Business Health Options Program (FF-SHOP) and how these are changing for plan years starting in 2015.
During the presentation, we will cover the following topics: What the FF-SHOP is, Who can purchase FF-SHOP coverage and when Employee participation requirements for small group plans ACA standards and protections for SHOP Qualified Health Plans. How employers can browse their coverage options before buying Coverage options for the Self-Employed The Small Business Health Care Tax Credit The Employee Choice option The Small Business Health Options Program (SHOP), is part of the new Health Insurance Marketplace sometimes called an Exchange and is available in every state. It was created to make it easier for small employers to find and purchase health insurance for their employees. Some states are running their own SHOP Marketplaces, while others are participating in the Federally-facilitated SHOP Marketplace.
This presentation is focused on the Federally-facilitated SHOP Marketplace, also known as the FF-SHOP Marketplace. The SHOP is open to employers with 1-50 employees including non-profit and religious organizations. The FF-SHOP Marketplace offers a choice of health and dental plans, and tools to help customers make informed purchasing decisions. Employers and their employees can submit initial group enrollments for SHOP.
Coverage at any time throughout the year. After the initial group enrollment is submitted and coverage goes into effect, SHOP enrollments are limited to an annual enrollment period for employees, special enrollment periods, and enrollment periods for newly eligible employees. In addition, if employers offer their employees coverage through the SHOP, and meet other eligibility requirements, small employers may be able to claim a Small Business Health Care Tax Credit worth up to 50% percent of their premium contributions. Together, new insurance reforms and the SHOP will help curb premium growth, and spur competition based on price and quality.
The SHOP Marketplace now lets small businesses find and enroll in 2015 coverage online through HealthCare.Gov. And, in 14 of the 33 states using the FF-SHOP, small employers now have the option to offer their employees a choice of health plans, much like large employers do. Small employers with fewer than 50 full-time-equivalent employees aren't required to offer their employees health insurance, and theres no penalty if they choose not to. The FF-SHOP is open to small employers with 1 to 50 full-time equivalent employees (FTEs) Full-time equivalent employees generally include those who work at least 30 hours per week.
Part-time workers whose combined hours total at least 30 hours per week, are also included when determining FF-SHOP eligibility. Employers must have at least one employee on payroll, who is not a business partner or spouse, to be eligible for FF-SHOP coverage. To participate in the FF-SHOP employers must offer coverage to all employees who work an average of 30 or more hours per week. HealthCare.Gov now offers an online tool--the SHOP FTE.
Calculator--that can help employers count how many full-time equivalent employees they have, to help determine if they might be eligible for the Federally-facilitated SHOP. The FTE Calculator is based on the counting method used by the FF-SHOP which, until 2016, may differ from the method used by states running their own SHOP. Employers in a state with a state-based SHOP should contact the SHOP in their state to learn more. Small employers can offer employees health coverage through a FF-SHOP.
Now, or at any time during the year. In the FF-SHOP, if an employers initial group enrollment is completed between the 1st and 15th day of the month, coverage could begin as soon as the first day of the next month. For example, if initial group enrollment is completed on March 10, group coverage could begin as soon as April 1. For initial group enrollments completed after the 15th of the month, coverage could begin as soon as the first day of the second following month.
So, for enrollment completed on March 18, group coverage could begin as soon as May 1. Before employees can complete enrollment in an FF-SHOP plan, the employer will generally need to meet the FF-SHOPs minimum participation rate for their state. States and issuers may also set different requirements for group plans offered outside the SHOP. Marketplace.
In many states that are using the Federally-facilitated SHOP, at least 70% of the business or groups employees who are offered coverage must accept the offer before any employees can enroll. In a few states, the FF-SHOP has set a different minimum participation rate, so employers should check on HealthCare.Gov to find out if their state is one of these exceptions. An employers participation rate is determined by taking the number of employees who are enrolling in coverage offered through the SHOP, and dividing it by the total number of employees offered coverage. Not every employee is counted for purposes of determining the participation rate, such as employees with group coverage through another job, another persons employer health plan or through government-sponsored coverage such as Medicare, Medicaid, VA, Indian Health Service, or TRICARE.
An employees dependents also aren't counted in determining the participation rate. However, employees who are getting coverage through an individual health insurance plan are counted for the purposes of this calculation. Employers dont need to calculate their employee participation rate themselves, because the SHOP. Enrollment application will do this, and will determine whether the employer has met the minimum requirement, based on information provided by employees when they accept or waive the employers coverage offer.
There is an exception to these minimum participation requirements. From November 15 - December 15 each year, employers can buy small group coverage inside or outside the SHOP Marketplace without having to meet any applicable minimum participation requirement. Employers that offer employees SHOP coverage can be sure theyve selected a plan that conforms to the new standard. All health plans sold through the SHOP.
Marketplace are known as Qualified Health Plans and include a package of essential health benefits, like coverage for doctor visits, preventive care, hospitalization, and prescription drugs. Employers and employees buying group coverage will also have the benefit of an array of other consumer and insurance protections offered by the health care law. In the small group market, insurance companies generally must spend at least 80% of premium dollars on health care and quality improvement activities, and no more than 20% for other purposes, such as administrative, overhead, and marketing costs. Health insurance companies must also publicly disclose, justify and let the state or federal government review any rate hike of 10% or more, before raising premiums.
Health insurance companies cant sell plans that charge employers more because of a workers medical history, health condition or disability. Nor can they sell plans that charge more for women based on gender, and there are new limits on charging higher premiums for older employees based on age. Also, insurance companies now generally have to spread risk across a states small group market, rather than on a group-by-group basis. This should help make premiums more stable from year to year, over time.
Before employers begin their SHOP application, they can get a look at price estimates for all the 2015 Qualified Health Plans and Qualified Dental Plans that the Federally Facilitated SHOP. Offers in their area by using an online premium estimation tool. Users answer a few quick questions, such as whether they're looking for health benefits or dental benefits and select the state where their primary business address is located. The price estimates are based on the age-ranges of employees and where the business is located.
Estimates reflect prices for people who don't use tobacco. Insurers are allowed to charge higher premiums for tobacco users. Agents, brokers or Navigators can help employers use the tool and make plan comparisons. Once they're ready to apply for coverage, employers can get a final quote on HealthCare.Gov as part of the online enrollment process.
Neither the price estimates on HealthCare.Gov, nor the final quote will reflect any savings an employer might be eligible to receive through the Small Business Health Care Tax Credit after filing tax returns. Sole proprietors, or shareholders of more than 2% of an S corporation that has no common law employees, cant buy insurance through the SHOP. But small employersand spousesmay qualify to buy insurance through the Health Insurance Marketplace, which sells health insurance for individuals and families. Depending on the level of household income, as individuals, sole proprietors may qualify for tax credits through the Health Insurance Marketplace.
While small employers can complete an initial group enrollment at any time during the year, individuals using the Health Insurance Marketplace generally must enroll during the Open Enrollment Period. For 2015 coverage, Open Enrollment for individuals and families began on November 15, 2014 and continues until February 15, 2015. Outside of Open Enrollment, however, sole proprietors, the self-employed and their families may be eligible for a Special Enrollment Period in the Health Insurance Marketplace if there is a change in life situation, known as a qualifying life event, and in certain other, limited circumstances. Examples of qualifying life events include: moving to a new state, certain changes in income, and changes in family status or size like, if getting married, getting divorced or having a baby.
Visit HealthCare.Gov for more information on premium assistance, enrollment, and qualifying life events. The Small Business Health Care tax credit was created to help small employers of low-to-moderate-wage workers defray the costs of providing coverage. One important reason for employers to consider offering employees SHOP. Coverage is that, starting 2014, the credit is generally only available to those who have employees enrolled in SHOP coverage.
Employers may be eligible for the credit if they have fewer than 25 full-time-equivalent employees and those employees have average wages of less than $50,000 a year. The average salary limit is adjusted for inflation beginning in 2014. For practical purposes, that means that an employer whose employees wages average less than $51,000 may qualify for the credit in tax year 2015. The limit on employer size applies to full-time-equivalent employees.
That means that employers who have more than 25 lower-to-moderate wage part-time employees may still be eligible for the credit. For example, two half-time employees might equal one full-time-equivalent employee. Full-time equivalent employees are calculated differently for purposes of the tax credit than for determining whether an employer can use the SHOP Marketplace. The tax credit bases full-time equivalent employees off a 40 hour work week.
To be eligible for the credit, employers must also pay at least 50% of employees self-only health insurance premiums. The value of the tax credit increased significantly starting with tax year 2014, and is now worth up to 50% of the employers premium contribution (up to 35% for tax-exempt employers). For tax years 2010 through 2013, the credit was worth up to 35% of the employers contribution (25% for tax exempt employers.) Employers who offered employees health insurance during any of the years from 2010 to 2013, may still be able to claim the credit for those years, and should consult a tax advisor for more information. Starting with tax year 2014, the enhanced tax credit is available for two consecutive yearseven for employers that have already claimed the credit one or more times before 2014.
Since the Small Business Health Care Tax Credit became available in 2010, small employers have received more than $1.5 Billion in tax credits for contributions to employee premium costs. To help employers learn if they might be eligible for the tax credit, and how much that credit might be worth, HealthCare.Gov offers a tool, called the SHOP Tax Credit Estimator, available at the web address listed here. Small employers can now access the SHOP online at HealthCare.Gov to: - Browse, select and offer employees health and dental coverage that begins in 2015 - Have employees enroll in SHOP. Coverage online - Find and authorize a SHOP-registered broker to help with online enrollment Paper applications for SHOP coverage are no longer distributed or accepted.
SHOP-registered agents and brokers can access new online features and manage accounts when authorized by clients. Employers in 14 Federally-facilitated SHOP states can offer employees a choice of plans within a single plan category. The SHOP Call Center is now available to assist employees, as well as employers, agents and brokers. The SHOP Marketplace offers employers a choice of plan categories, insurance companies, and Qualified Health Plans.
Qualified Health Plans are grouped into 4 categories, each named for a precious metal: Bronze, Silver, Gold, and Platinum. Categories generally reflect how plans share the costs of care with the average enrollee. Plans share costs with enrollees through deductibles, copayments and coinsurance and out-of-pocket limits For example, the average employee in a plan at the Bronze plan category is expected to pay approximately 40% of covered medical expenses, and the plan is expected to pay approximately 60%. Please note, these percentages are for the average individual and may vary somewhat from individual to individual.
Generally speaking, Qualified Health Plans that pay a larger share of an employees medical expenses, also have higher premiums. As mentioned, all Qualified Health Plans in the SHOP must offer benefits from each of 10 essential health benefit categories defined in the law, such as coverage for doctor visits, preventive care, hospitalization and prescriptions. Still, Qualified Health Plans, even within a single plan category can differ in other wayssuch as in the networks of providers or the prescription drug formularies offered Grouping plans into metal categories allows consumers to compare plans with a similar level of cost sharing. This, along with consideration of premiums, provider networks, and other factors, can help the consumer make an informed decision.
Any employer who offered an FF-SHOP health plan to employees in 2014 and wants to renew that SHOP coverage, needs to do so online. Renewals cant be done for SHOP coverage by working directly with an insurance company. SHOP-registered agent or brokers also have to handle renewals and changes to SHOP coverage, online. Before beginning the renewal process, employers should consider the timing of their renewal offers, and keep in mind that they: - Must give employees at least one week to decide whether to accept the offer, and - Must submit enrollments by the 15th day of the month for coverage to start the first day of the next month When renewing SHOP participation online, employers will be asked the same questions asked on the 2014 application.
They should answer the questions based on information that applies for 2015with one important exception: - If an employer had 50 or fewer FTEs when enrolling in 2014 but now has more than 50 FTEs, that employer should attest to the statement that says the business has 50 or fewer FTEs, based on last years attestation. The SHOP is required to let an employer continue to participate in SHOP for 2015 if all of the following apply. The employer: - Received a determination of eligibility from the SHOP in 2014 - Had 50 or fewer FTE at the time SHOP. Participation began in 2014 - Added employees after beginning SHOP.
Participation and now has more than 50 FTEs - Meets all other requirements for participating in the SHOP If all of these factors apply, an employer can attest to having 50 or fewer employees based on the prior years attestation, and can continue to participate in the SHOP in 2015 The ultimate goal of SHOP is to give small employers more options for their employeesincluding the option to offer employees a choice among health plans at in one plan category. In 2014, small employers in states with a Federally-facilitated SHOP generally had a choice of health plans and dental plans in different plan categories, from various health insurance companies. Employers could select to offer employees only one SHOP Qualified Health Plan and, if applicable, a single SHOP Qualified Dental Plan. Some states running their own SHOP Marketplace gave employers the option to offer employees a choice of plans.
Now, employers in 14 states using the Federally-facilitated SHOP can offer employee choice. This means that an employer selects a plan category, and then the employee can enroll in any plan available within that category. Many states running their own SHOP Marketplace offer an employee choice options, which may differ from the employee choice option offered by the FF-SHOP Marketplace. In 2016, all states are expected to offer small employers a choice between offering employees a single SHOP plan, or letting employees select among multiple SHOP plans.
Offering employees a choice of plans can provide advantages for both employers and employees. Employee choice can mean less hassle for employers because they dont have to spend as much time trying to find one plan to fit all. It means that employees can select the plan that works best for their individual needs. Offering employees a choice of health plans--as many large employers docan help a small business help attract and retain valued employees.
And when employees can choose their own plan, insurers have to compete for their business which can lead to lower costs and better service. With the SHOP Marketplace more choice comes with less paperwork: no matter how many different insurance companies or plans employees select, the employer gets and pays just one monthly bill. The SHOP takes care of disbursing payments. Employees get choice, but the employer sets basic limits, by deciding which category of plans to offer, and how much to contribute to premium costs.
In 2015, in 14 of the 33 states using the Federally-facilitated SHOP, small employers can offer their employees a single qualified health plan and, if they choose, a single dental plan. Alternatively, they can let their employees choose a plan within the plan category the employer selects. In those states using the FF-SHOP and offering employee choice, employers can offer employees a choice among all qualified health plans in a single plan category that the employer selects. If applicable, the employer can also offer employees a choice among all dental plans within a single plan category that the employer selects.
In any state using the FF-SHOP, an employer can still choose to offer employees a single qualified plan and (if applicable) a single dental plan, if the employer prefers. The FF-SHOP offers many ways to get help: The toll-free SHOP. Call Center offers assistance to employers, agents and brokers, and now also to employees enrolling in employer-offered SHOP coverage. Also, for coverage beginning in 2015, employers who create an online account in the SHOP Marketplace on HealthCare.Gov can find a SHOP-registered local agent or broker online, and can authorize that agent to help with enrollment and to manage the employers SHOP account online.
Employers can also use the Find Local Help feature on HealthCare.Gov to locate a SHOP-registered agent or broker, or other assisters in their area, without creating an online SHOP account. Employers just enter their city and state, or their zip code, and select the Small Business Health Options box. Employers who want to work with an agent or broker they found through Find Local Help, should ask the agent or broker if he or she has registered with the SHOP Marketplace and has completed a SHOP. Marketplace profile.
Only agents and brokers who have taken these steps can complete an application for an employer. The SHOP Marketplace offers a simpler way to find, and compare health insurance and dental insurance options for small employers and employees. New online features put the whole enrollment process online at HealthCare.Gov for coverage beginning in 2015. Beginning with tax year 2014, small employers may qualify for a tax credit worth as much as 50% of their contribution to employee premiums when they buy coverage through the SHOP Marketplace and meet other eligibility requirements.
HealthCare.Gov offers straightforward information, useful links to information about how the ACA affects small business and helpful tools, like the SHOP FTE Calculator, SHOP Tax Credit Estimator, and the Premium Estimate Tool Employers get a choice of health plans from multiple insurance companies, and in different plan categories. Small employers in the 14 Employee Choice states now have the option to choose a plan category and let employees select any plan in that category. Help is available and easy to find, through the HealthCare.Gov Find local help tool, the SHOP Call Center, and through the searchable online list of FF-SHOP-registered agent or brokers thats available through the SHOP. Application.
For information about the FF-SHOP Marketplace and online tools, visit Healthcare.Gov/small-businesses. The IRS has in-depth information about the Small Business Health Care Tax Credit on its website. CMS.Gov/CCIIO is the website for the federal Center on Consumer Information and Insurance Oversight, and has detailed regulatory information and guidance for the SHOP Marketplace, as well as a resource page for Agents and Brokers, and information about other assisters. Finally, to get news about the SHOP Marketplace, in 2015, online tools and tips for small business owners, new health plans and prices, and more, we encourage you to sign up for SHOP Email Updates at the web address listed in the box on your screen.
[MUSIC STARTS] NARRATOR: Depending on your income, family
size, and the health plan you choose, you may qualify for financial assistance to help
pay for your health insurance coverage. If you purchase insurance from a health insurance
marketplace and you're eligible, tax credits will help you pay your monthly premiums. You can take the tax credit in advance which
would lower your monthly payments. Or, take the tax credit at the end of the
year, either lowering the amount of taxes owed or increasing your refund.
Changes to your income or family size could
affect your tax credit amount. In addition to tax credits, you may also qualify
for cost-sharing which helps lower out-of-pocket costs like deductibles and co-payments. Coinsurance,
or copayments, are generally your share of the costs when you go to the doctor. A "deductible" is the amount you pay out of
your own pocket before your insurance begins paying for your health care.
Make sure you understand what type of financial
assistance you qualify for before purchasing a plan. For more information, and to determine whether
or not you qualify for financial assistance, explore our website. [MUSIC ENDS].
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THE STATE.. WHEN IT'S. TIME TO RENEW THEIR CAR. REGISTRATION.
THE SAME. GOES FOR THE TENS OF. THOUSANDS WHO NEED. EMISSIONS.
TESTS ... BUT WHEN M-V-D. QUIETLY CHANGED THOSE. REMINDERS LATE LAST.
YEAR... THOUSANDS OF. DRIVERS DIDN'T. GET THE MESSAGE.
INSTEAD. THEY GOT FINED AND. ITS STILL HAPPENING TO. SOME.
ON SPECIAL. ASSIGNMENT ... NEWS 13'S. CHRIS MCKEE QUESTIONED.
THE STATE ABOUT THE MESS. IT CREATED. 00:45:52 Sound of black car passing 00:19:15 sound of car passing side to side from ground level 00:09:52 sound of cars passing on freeway A. LOT OF ALBUQUERQUE.
DRIVERS CAN RELATE... 00:15:35 "Right, of course" TO SANDY. OHLGREN. TO SANDY OHLGREN.
00:01:07 "It's just the 00:00:57 "I'm retired THE RINGER WITH THE NEW. MEXICO. MOTOR VEHICLE. DEPARTMENT...
OVER THAT. SPECIAL EMISSIONS TEST. BERNALILLO COUNTY. DRIVERS NEED.
00:12:09 "What would you tell the state?" 12:11 "Umm ... Get your act together... Haha" 12:14 SANDY HAS ALWAYS. FOLLOWED THE RULES...
00:01:14 "Always" REGISTERING HER CAR.. AND... 00:21:10 "There you go!" 00:02:01 Sound of barcode scanner beeping 00:25:12 sound of gas cap clicking GETTING HER. EMISSIONS CHECKED.
STATE. LAW REQUIRES MOST CARS. REGISTERED IN BERNALILLO. COUNTY TO GET AN.
EMISSIONS TEST EVERY TWO. YEARS. THAT WASN'T A. PROBLEM FOR SANDY..
00:05:20 "Yes I was very surprised!!" ...UNTIL. RECENTLY. 00:05:42 "It made me angry and frustrated" 05:44 SHE'S ONE OF. THOUSANDS OF CAR.
OWNERS.. WHO THE STATE. HAS FINED FOR OVERDUE. EMISSIONS TESTS THEY.
NEVER KNEW ABOUT. 00:14:00 "It felt like a scam to ask me for 30 dollars for something I. Felt wasn't my mistake" 14:06 A RETIRED TEACHER. WHO STAYS ON HER.
BILLS... SANDY'S. CAR REGISTRATION WAS. SUSPENDED IN FEBRUARY ..
JUST WEEKS AFTER SHE. RENEWED IT. 00:05:25 "And of course the first thing you HER MONEY.. SANDY EVEN.
GOT NEW STICKERS FOR HER. LICENSE PLATE. 00:02:41"I just thought everything was fine!" 02:42 BUT IN A RECENT. EMAIL ...
THE NEW MEXICO. DEPARTMENT MOTOR. VEHICLES TOLD SANDY THEY. WERE SUSPENDING HER CAR.
REGISTRATION BECAUSE SHE. FAILED TO GET AN. EMISSIONS TEST. TO DRIVE.
HER CAR AGAIN .. M-V-D. WANTED PROOF OF A NEW. EMISSIONS TEST..
AND AN. EXTRA 30 DOLLARS. 00:03:28 "Which I guess is the part that angered me the most" 03:30 M-V-D. CLAIMED IT WARNED SANDY.
ABOUT HER EXPIRING. EMISSIONS TEST.. THROUGH. A LETTER THEY SENT HER.
IN LATE JANUARY. BUT. THAT'S THE PROBLEM. 00:06:05 "Do you think you ever got one of those? 06:07 "No, absolutely not..." 06:09 SANDY SAYS SHE.
NEVER GOT THAT. REMINDER LETTER. WITHOUT. A NOTICE..
SANDY DIDN'T. KNOW HER TEST WAS. EXPIRING. 00:12:25 "In the past, you've always received a notice and I've always paid attention to it" 12:29 AND IT'S NOT JUST.
SANDY'S PROBLEM. IN THE. LAST FIVE. MONTHS...
M-V-D. SUSPENDED AND REINSTATED. MORE THAN 3643 REGISTRATIONS.. AFTER.
DRIVERS FAILED TO GET. EMISSIONS TESTS. BECAUSE THEY WEREN'T. NOTIFIED.
MORE THAN A. THOUSAND. PEOPLE HAVE PAID A 30 DOLLAR FEE. 00:34:04 "Most drivers are used to getting emissions reminders during their car registration.
And for years, sent out these that all changed, last year" 34:17 IN SEPTEMBER.. WITHOUT. TELLING ANYONE ... M-V-D.
REMOVED THE. EMISSIONS TEST REMINDER. FROM REGISTRATION. POSTCARDS ...
AND. STARTED SENDING SEPARATE. EMISSIONS. LETTERS TO PEOPLE.
00:15:16 "It drives me nuts, it really does" 15:18 00:04:47 "FastTest Emissions?" EMISSIONS. TEST SHOP OWNER... GREG. HOWLAND HAS GOTTEN AN.
EARFUL FROM HUNDREDS OF. CUSTOMERS WHO SAY THEY. NEVER GOT AN EMISSIONS. NOTIFICATION.
00:02:51 "They were used to seeing emissions test required" 02:54 00:02:22 "...And they're not seeing it anymore, so they're ignoring it" 02:24 HOWLAND ALSO HAD. NO IDEA THE CHANGE WAS. COMING. 00:06:15 "You always want to make it simple, you don't want to make it complicated and that's what they've done" 06:20 SO WE ASKED.
M-V-D ABOUT IT. SPOKESMAN BEN CLOUTIER. SAYS.. THE CHANGE IS AN.
EFFORT TO GIVE A MORE. ACCURATE NOTICE TO. DRIVERS ABOUT WHEN THEIR. EMISSIONS EXPIRES.
01:44:34 "It would make more sense to allow for your registration renewal reminder, because .... They don't necessarily line up" 44:47 M-V-D DIDN'T THINK IT. NEEDED TO TELL THE. PUBLIC ABOUT.
THE SWITCH EITHER. 01:45:47 "Well since they're getting both notices by mail... It seemed that there wouldn't be much of a difference" 01:45:53 BUT. THE DIFFERENCE..
WAS. THAT THE NEW SYSTEM. DIDN'T WORK. M-V-D.
SAYS SOME EMISSIONS. NOTICES WEREN'T. SENT. THEY CLAIM THE.
PROBLEMS BEEN SOLVED. 01:42:11 "That has been fixed as of early January" 42:13 BUT TRY. TELLING THAT TO SANDY. M-V-D SUSPENDED HER.
REGISTRATION FOR EXPIRED. EMISSIONS ON FEBRUARY. 21. HER EMISSIONS.
NOTICE.. SHOULD HAVE HIT. HER MAILBOX AROUND. JANUARY 20TH.
00:06:49 "There was nothing that came" 06:51 WHILE M-V-D SAYS IT'S. SORRY FOR ANY PROBLEMS. .. BUT ALSO TRIED TO.
SHIFT THE ULTIMATE BLAME. ON DRIVERS TO KEEP TRACK. OF THEIR OWN TESTS. IN.
MULTIPLE EMAILS... M-V-D. TOLD US EMISSIONS. REMINDERS ARE A QUOTE.
"COURTESY" AND. NOT A REQUIREMENT. 01:43:11 "That is something we try to do to help our customers" 43:14 THAT'S NOT EXACTLY WHAT. THE STATE'S EMISSIONS.
PROGRAM RULES SAY. THOUGH. WRITTEN IN THE. NEW MEXICO.
ADMINISTRATIVE CODE IS. LANGUAGE REQUIRING M-V-D. TO SEND EMISSIONS. NOTICE.
QUOTE.. "THE. M-V-D SHALL DISTRIBUTE. NOTICES OR OTHER.
APPROPRIATE. INFORMATION TO OWNERS OF. VEHICLES APPLYING FOR. RE-REGISTRATION...
" WE. SHOWED IT TO M-V-D. 01:54:14 "You seem to be saying this was courtesy... Isn't this the rules? 54:20 Silence 54:22 IN REVIEWING OUR.
FINDINGS CLOUTIER. AGREED. 01:54:46 "Well... According to this...
We ... We are supposed to be sending them out, and we are, so that is good news. 54:52 And I may have been misinformed if that was not the case" 54:57 00:45:53 sound of black sedan passing camera M-V-D SAYS IT. WILL KEEP SENDING.
EMISSIONS REMINDERS.. AND ITS STILL GIVING. REFUNDS TO DRIVERS. WHO'VE PAID ANY PENALTY.
FEES.. BECAUSE OF THE. ISSUE. 01:57:47 "Feel free to come into an office or THEY WISH M-V-D HAD DONE.
THAT TO. BEGIN WITH. 00:13:25 "It's time consuming and I'm not at the end of it yet" 13:29 ON SPECIAL ASSIGNMENT. ...
CHRIS MCKEE.. KRQE. NEWS 13. M-V-D SAYS WITH ITS NEW.
COMPUTER SYSTEM... THERE. SHOULD BE AUTOMATIC. ALERTS ONLINE..
AND AT. SERVICE CENTERS ABOUT. EMISSIONS TESTS. OPEN THE KRQE NEWS APP.
NOW FOR MORE INFORMATION. ON WHAT YOU SHOULD DO.. If YOU'VE BEEN AFFECTED. BY THE EMISSIONS.
[MUSIC PLAYING] Let's talk about deductibles. What are they and
why do they matter? Your car insurance is designed
to protect you financially if you get in an accident. But before your
insurance kicks in to pay for the cover
damages, you'll have to pay a
portion of the loss. This out-of-pocket amount
is called a deductible.
The dollar amount
of your deductible varies, based on the policy
you and your American Family Insurance agent select together. But all deductibles
work the same. You are responsible for a
pre-specified amount of money upfront, and then any covered
costs above and beyond that are reimbursed
by your insurance. Accidents happen.
And when they do,
we'll be here to help you every step of the way. Want to learn more about
how deductibles work or what deductible
amount is right for you? Your American Family
agent is happy to help..
Car insurance is a necessary evil, but there
are ways of reducing your premium come renewal time If you drive a car, then it needs to be covered
by insurance - it's the law. You might not necessarily provide your own
cover, but either way you need to be insured to get behind the wheel. The minimum cover you can have is for third
party damage - so other road users are covered, but you and your own vehicle are not - but
you should really aim for the most cover that you can afford and fully comprehensive insurance
is often no more expensive. ANPR automatic number plate readers help the
police to cross-reference vehicle registrations against insurance databases to see if a car
has valid cover at the time it's being driven.
If you haven't got the right kind of insurance,
or any cover at all, and you're stopped by the police, then you will be liable to a fixed
penalty of 300 and have six points added to your licence. If proceedings escalate, you could be facing
a court case where you may get an unlimited fine and also be disqualified from driving. The police will also be able to seize your
vehicle. The majority of road users are covered by
insurance, and the most recent Driver Power survey in 2016 revealed that the average Auto
Express reader pays more than 400 a year for their policy.
But of course that's an average, and some
drivers will face far higher or lower bills than that. Ways to save on you car insurance. There's no escaping the fact that if you simply
let your car insurance roll over every 12 months without shopping around, you'll be
paying a lot more for cover than you should. Simply logging on to an insurance comparison
website should help you see whether you're paying through the nose for your premium,
and these sites should be your first port of call in the weeks coming up to your renewal.
Once you're armed with some online quotes,
it's time to get dialling. First, try your existing insurer. Phone them and talk directly to a sales advisor,
as this will be the easiest way of negotiating a new price. If it can't match or undercut your lowest
quote at the first time of asking, it's worth telling them that you will be moving on if
it can't do anything to help.
This should sway the company your way, and
if they can oblige with a similar quote, then you're on to a winner, because then you won't
need to fill out any forms or supply new information, as all you'll be doing is paying a lower bill
or monthly direct debit. One point to make is that some of the larger
companies, such as Aviva and Direct Line, don't supply insurance quotes to online comparison
sites, so it would be worth researching these firms separately just to see if they can beat
your best offer. If you can pay for your insurance in one go,
that could save you some cash. Paying a lump sum means you don't have to
worry about it for another 12 months.
But most insurance firms know that customers
usually don't have the means to pay in one go, so they may charge interest if you take
out a monthly direct debit to pay for your cover. Check your car insurance policy
Be aware of any extras that are loaded on top of the basic policy. Extras such as legal cover or cover for possessions
might be included. But if you have home insurance, the latter
could well already be covered, so you'd be paying extra for something you don't need
and might be quite limited in it coverage.
If you have more than one car, then a multi-car
policy could help you to save money. Put both cars on the same policy with one
company, and let the insurance company the names and driving history of everybody who
will be driving them, and there are savings to be made over having separate cover for
each car. Interestingly, while there are three levels
of insurance cover - fully comprehensive, third party, fire & theft and third party-only
- the lower levels of cover won't necessarily provide the cheapest quotes. A study of insurance costs by The AA revealed
that, on average, a fully comprehensive policy is nearly 200 cheaper than third party fire
& theft the thought behind this being that somebody who takes out fully comp cover
is more responsible than somebody who just wants the bare minimum cover available.
Another way to reduce the cost of cover is
to attain a recognised advanced driving course. Do this, and sign up with a driving association
such as the Institute of Advanced Motorists, and you can easily see another 10 per cent
cut from your premium. Kitting your car out with technology can also
help to cut costs. Pam Quinn, from the British Insurance Brokers
Association, told us: Using the latest in technology can help reduce costs.
For example, driving with a dash cam lowers
premiums by 10 per cent on average. Weve also found that new drivers can
cut costs by fitting a telematics box. Industry data shows the devices save 212
on average for new drivers. Finally, we recommend purchasing your insurance
via a cashback site, as you can earn as much as 70.
Similarly, by clicking through from one of
these sites when buying breakdown cover, you can earn up to 30..
- We're with John Kelly,
John is a personal injury attorney in Phoenix,
Arizona and he's agreed to answer online questions. This one was specifically
related to accidents involving not wearing
a helmet, essentially, on a motorcycle. Um, so here is the question, the question is from Aaron. "We ride through Arizona a lot.
I know you don't need
to wear a helmet on a motorcycle, as far as
the state is concerned, but I don't know how that
works with insurance. Can I file a claim if
I get into an accident without a helmet on?" - Ah, that is a great
question that Aaron has. A lot of people do ride
in Arizona, without a helmet and unlike many states, there is no statute
that requires them to have a helmet on. So it's a situation
where you have a lot of people that get
into accidents, and are injured and
weren't wearing a helmet.
You still do have a claim,
especially if the other party was negligent in
causing the accident. However, you have
to be aware that if you're not gonna
to wear a helmet, you risk getting an
injury that you are held to have
contributed towards. So it's very similar
to, in your car, if you're not wearing a seatbelt and you get a head injury. If you're on a bike and
you get a head injury, and you didn't have a helmet on, you're still gonna have
a claim but it's gonna be a tougher road
because the insurance company's gonna just
say that you were contributing to your
injuries and that if you weren't wearing a helmet,
which is standard safety.
That you would have never
had that kind of injury, so it's something that you
definitely want to consider. While driving in
Arizona it's probably a good idea to wear a helmet. - All right, thanks for your
answer and if you have any additional questions for
John all you need to do is post em in the comments
section below, thanks John. - Thank you..
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cancer policy cancer insurance quote http://www.Youtube.Com/watch?V=Pjbv3w2dQQ4.
Today we're gonna be talking about Amendment 70: Colorado's $12 minimum wage amendment. In August, Colorado Secretary of State Wayne Williams announced that in their November general election ballot, they would have an amendment to raise their state minimum wage. Now this measure would raise the minimum wage from $8.3 All the way up to twelve dollars by 2020. Colorado's current minimum wage is based on 2006 constitutional amendment similar to that of Amendement 70.
Colorado is currently one of ten states to tie its minimum wage to inflation. And in 2009 it became the first state to decrease its minimum wage. This new measure would change the criteria for adjustment from inflation to cost of living increases. According to supporters this raise in minimum wage would benefit twenty percent of households in Colorado.
And according to a study from the Bell Policy Center women make up fifty five percent of those who would benefit if this amendment 70 passes. And according to the same study, thirty percent of those who would benefit are adults over 20 with children. Supporters believe that raising the minimum wage will increase consumer spending and boost the economy. How? The logic is that lower and middle-income workers will spend their wages within the community.
But that's not the whole story. Opponents of Amendment 70 believe that prices and costs of living will increase as business owners will have to compensate for their employees' increase in pay. They argue that raising the minimum wage might reduce job growth. For example they say that small business owners or farmers might not be able to afford the raise in minimum wage and reduce their operations.
Unemployment is a major debate in this and Colorado's disparity between its most and least expensive areas is the 12th highest in the nation. This means that this raise the minimum wage could have a huge difference in different areas in Colorado. There's no clear-cut solution when it comes to policies concerning minimum wage but you can do your part to stay informed by visiting BallotReady.Org. Give the video a thumbs up if you liked it and see you next time!.
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>> FRAN WESCOTT: ONE MORE THING. WE HAVEN'T
YET TALKED ABOUT SOME OF THE AUTO INSURANCE. RELATED FRAUDS AND THIS IS A WHOLE LIKE THAT
COULD BE AN HOUR UNTO ITSELF FROM WHAT I UNDERSTAND. AND LEARN FROM YOU ALL.
LET'S START FIRST
WITH AUTO REPAIR BECAUSE IT'S A STRESSFUL. TIME, AND PEOPLE ARE TRYING TO FIND REPUTABLE
COMPANIES THAT CAN DO THE WORK, BUT NOW ONE. HAS TO ALSO CONSIDER WHETHER OR NOT THEY ARE
GOING TO BEHAVE APPROPRIATELY WITH REGARD. TO CLAIMS AND INSURANCE COMPANIES.
SO MAYBE YOU CAN TELL US A LITTLE BIT ABOUT.
THE KIND OF FRAUD THAT ARE BEING PERPETRATED
IN THIS AREA OF THE UNIVERSE AND THEN A LITTLE. BIT ABOUT HOW TO AVOID IT AND WHAT TO LOOK
FOR. >> HON. WAYNE GOODWIN: WELL, I WILL START.
WE HEAR ABOUT THIS QUITE A BIT BECAUSE, YOU.
KNOW, EVERYONE IS ON THE ROAD AND SADLY EVERY
FAMILY AT SOME POINT OR THE OTHER MAY HAVE. AN ACCIDENT. WELL, ONE OF THE THINGS THAT
STICKS OUT IS WHERE YOU HAVE A BODY REPAIR. SHOP WILL TRY TO PAD THE BILL.
BASICALLY REPORT
THAT THE DAMAGE WAS GREATER THAN IT WAS, AND. BY BILLING FOR THAT EXCESSIVE COST, THAT'S
A FRAUD RIGHT THERE. THEN THEY FALSELY REPORT. THAT CERTAIN PARTS WERE LOST OR WERE DAMAGED.
THERE MAY BE...THEY MAY CONTEND THAT THEY.
PUT ON THE VEHICLE PARTS THAT WERE ORIGINAL
TO THAT MAKE AND MODEL OF THE CAR BUT ACTUALLY. WERE NOT AND THERE'S ALL TYPES OF THINGS THAT
CAN OCCUR. THAT, AGAIN, GOES BACK TO ASKING. QUESTIONS AND WORKING WITH SOMEONE WHO IS
REPUTABLE.
AND YOU ALSO YOU KNOW, YOU HAVE. THE RIGHT TO CHOOSE WHOMEVER YOU WANT TO PREPARE
YOUR VEHICLE. OFTENTIMES INSURANCE CARRIERS. WILL RECOMMEND SOMEBODY AND YOU WANT TO ASK
QUESTIONS ABOUT THAT TOO, AS TO WHOM IS THIS.
PERSON SERVING, WHOSE INTEREST ARE THEY SERVING?I'M
SURE ANGELA AND AL HAVE SOME COMMENTS ABOUT. THIS AS WELL. >> AL KOEHLER: A LOT OF TIMES WITH TOW TRUCK
OPERATORS AFTER YOU HAVE AN ACCIDENT. THE TOW TRUCK COMES OUT AND TAKES IT TO A
FAVORITE BODY SHOP.
WELL, THAT BODY SHOP IS. GOING TO WANT TO DO THE BODY WORK THERE THEY'VE
ALREADY GOT THE VEHICLE THERE. THE INSURANCE COMPANY MAY NOT WANT YOU TO
USE THAT BODY SHOP. THEY MAY WANT YOU TO USE.
YOUR OWN, BUT IF YOU DO DECIDE TO USE THAT
ONE, THE INSURANCE COMPANY IS ONLY GOING TO. PAY WHAT THEY THINK IS THE PROPER AMOUNT OF
MONEY FOR REPAIR. WELL, THAT BODY SHOP MIGHT. CHARGE, YOU KNOW, DOUBLE AND THE CONSUMER
IS GOING TO GET STUCK WITH THE DIFFERENCE.
>> FRAN WESCOTT: WITH THE DIFFERENCE. >> AL KOEHLER: SO THAT'S WHY AS THE COMMISSIONER
SAYS, YOU REALLY NEED TO DO YOUR HOMEWORK. AND FIND OUT, GET AN ADJUSTOR TO LOOK AT YOUR
VEHICLE, GET AN INDEPENDENT ADJUSTOR. GET.
MORE THAN ONE ESTIMATE AND TRY TO FIND OUT
WHICH IS THE BEST ESTIMATE TO GET..
I love the restaurant business. Hi. I'm Michael. For 3 years I've owned an
Let me get you
Howdy everybody it's Mark Lyne from ... Okay wait a minute I was covering up the mic... Alright, it's Mark Lyne from Central Texas Insurance - A Mark Lyne Agency. I wanted to talk today about deductibles.
Stephanie Martinez with SuperGlass Windshield
- Hi guys, we're gonna do
Hi my name is John Yannone. I'm a personal injury attorney with Price
Welcome to Carmoza Auto Transport. As the
[Low music in headphones] Yo. Hey, yo. Hey, yo. Yo, yo.
[Music] Buying a new vehicle or selling a vehicle to another individual means that you need to transfer the car title. Transferring the title might sound complicated, but the process is not as hard as it might seem. The three most common reasons for transferring your car title are: transferring from a dealer, transferring after a move, or transferring when selling your car. The dealer will fill out the back of the
Hello how are you in this video I will discuss and put
Hi, I'm Scott O'Sullivan and this is the first in a video blog series where I answer your questions that I get every day in my practice. I encourage you to watch the following videos and, as always, if you have any questions please feel free to give me a call. I've been representing motorcycle riders since about 1998. As a former rider, I understand the seriousness of how accidents can effect people's lives I actually stopped riding in about 1992 when my good friend Mark died on his motorcycle just down the street from where I lived.
Finding the right homeowners
Hey, what's up this is Matt and this is gone in 60 seconds. Do you know a question I get a lot? Hey, why do you raise my auto insurance? Well I didn't raise your auto insurance, okay, I'm just an agent. There is a guy in a dark room with a lot of numbers that decided it will be a good idea to raise your rate and I'm going to explain to you why he does that. Okay? He does it because things are getting more expensive.
Thank you for joining us today for an overview of the SHOP Marketplace, and the application and enrollment process for SHOP coverage that starts in 2015. This presentation addresses the SHOP Marketplace run by the federal government known as the Federally-facilitated SHOP Marketplace and also as the FF-SHOP. States running their own SHOP Marketplace may operate differently. If youre unsure whether your state uses the Federally-facilitated SHOP.
[MUSIC STARTS] NARRATOR: Depending on your income, family
Donate Car To Charity CALIFORNIA. DONATE CAR FOR TAX CREDIT. DONATE CARS IN MA. DONATE YOUR CAR SACRAMENTO.
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THE STATE.. WHEN IT'S. TIME TO RENEW THEIR CAR. REGISTRATION.
[MUSIC PLAYING] Let's talk about deductibles. What are they and
Car insurance is a necessary evil, but there
- We're with John Kelly,
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Today we're gonna be talking about Amendment 70: Colorado's $12 minimum wage amendment. In August, Colorado Secretary of State Wayne Williams announced that in their November general election ballot, they would have an amendment to raise their state minimum wage. Now this measure would raise the minimum wage from $8.3 All the way up to twelve dollars by 2020. Colorado's current minimum wage is based on 2006 constitutional amendment similar to that of Amendement 70.
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>> FRAN WESCOTT: ONE MORE THING. WE HAVEN'T