Assets – States Vehicle Policy Chart #vehicle #reviews

#vehicle value

States’ Vehicle Asset Policies in SNAP

Because of the outdated nature of the SNAP Policies, new legislation allows for States to create their own policies. There has been a strong effort to re-structure vehicle policies.

States are now allowed to use SNAP with the method for valuing vehicles that the state has established under a TANF/MOE-funded cash or non-cash assistance program so long as it is not more restrictive than federal SNAP rules.

Alternatively, states may employ in SNAP the vehicle asset rule from a TANF/MOE-funded benefit or service program for households that are authorized to receive that TANF/MOE benefit. Under the SNAP, households that receive TANF/MOE-funded benefits are categorically eligible for SNAP benefits and do not have to meet the SNAP asset test in order to receive benefits. In some states, all food stamp households are eligible for the TANF/MOE-funded benefit program. In others, only a small number of households are eligible for the services. For households that do not receive such benefits, the state must apply an alternative vehicle policy. They may use federal SNAP rules or import the rule from a TANF/MOE-funded assistance program.

These new policy options have given states that ability to craft vehicle asset rules in SNAP that work best for them. It also gives states the ability to make the rules consistent with other programs, such as TANF and Medicaid, ensuring that the SNAP rules do not work against other programs’ goals.

Car Insurance Online – Car Insurance Policy India – Motor Insurance #dealerships

#online car insurance

Car Insurance Policy

A comprehensive Car Insurance policy for your car that keeps it secure against damage caused by natural and man-made calamities, including acts of terrorism. Avail of Own Damage, Personal Accident and Liability cover all in one policy.

Key Benefits

Immediate policy copy issuance online.

Get Road Side Assistance cover, you can avail assistance anytime and anywhere.

Now, get daily allowance when your car is in the garage with our Garage Cash Cover.

Cashless servicing facility at 3300+ network garages across India.

Zero Depreciation Cover#. Avail coverage on replaced parts with zero deduction for depreciation.

Accidental cover facility for co-passengers up-to Rs. 2 Lac.

Avail off No Claim Bonus (NCB)*. This benefit is valid if you haven’t claimed in your old policy. This is also valid if your previous policy was not with ICICI Lombard.

Set Renewal Reminder to receive policy renewal reminders.

Doorstep surveyor facility in case of break in insurance.

Get towing assistance in case of a vehicle breakdown or an unfortunate accident.

Voluntary deductible is applicable in the event of claim when the amount you opt for is over and above the compulsive deductible. Final Claim amount will be after deduction of depreciation on parts, VD and compulsory deductible as per IMT).

Automobile Associations members can get up-to 5% discount.**

Up-to 2.5% discount (# on own damage premium and subject to max of Rs. 500) on ARAI Automobile Research Association of India approved anti theft devices.

Multiple payment options on car insurance policy.

* NCB (No Claims Bonus) will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy. The NCB will be available; provided you show evidence that you are entitled to NCB from your previous motor insurance company. Evidence can be in form of a written declaration or renewal notice or a letter confirming the NCB entitlement from the previous insurer. Click here to view the wordings of the written declaration.

Valid on Own Damage Premium and subject to a maximum of Rs.200.

This service is offered by the banks and ICICI Lombard General Insurance Company Ltd. holds no responsibility or owes no liability in case of this facility provided by the banks to it’s customers.”

^ 2900+ garages as of 15th May 2013. For An updated list, Please refer to our website.

Life Insurance Quotes – See Life Rates Now #life #insurance, #life #insurance #company, #life #insurance #companies, #life #insurance #quote, #life #insurance #rates, #life #insurance #quotes, #life #insurance #policy, #life #insurance #policies


Life Insurance

Life insurance is your financial safety net

Progressive Advantage life insurance (powered by Efinancial) can help your family maintain the lifestyle they’ve grown to love and provide longer-lasting financial security. Your family can use it to help pay for funeral expenses, housing costs, medical bills not covered by health insurance, children’s college, debts and just about anything else they may need.

Simply put: life insurance can remove many of your financial worries. Just get a life insurance quote today, check these worries off your list and your family could be better protected.

Life insurance rates are more affordable than you might think

Progressive Advantage offers affordable life insurance rates starting at $14 per month. *

Coverage options start at $50,000 and go all the way up to $1 million. The younger and healthier you are, the more affordable your rates can be.

What is life insurance and how it works

A life insurance policy works similarly to any other type of insurance policy. You determine how much coverage you need, how long you need it and then you make your payments (called premiums). You typically can choose to pay monthly, annually or quarterly for 10, 20, 30 years or over your lifetime to maintain the coverage. When you die, if your policy is still active, the people you’ve listed on your policy (called your beneficiaries) get paid the death benefit. In most cases, this payment is paid in one lump sum.

Different types of life insurance

Typically gives the most bang for your buck with the most affordable premium payments and a comparable payout. As long as premiums are paid, the policy lasts the selected term length (standard options are 10, 15, 20 and 30 years).

Gives a guaranteed payout no matter when you pass away, as long as you keep paying your premiums. Plus, funds can often be withdrawn from your policy. These funds are known as the cash value of your life insurance policy.

Offers more affordable premium payments and a lower payout amount. This type of life insurance is designed for paying off your final expenses, such as medical bills, credit card debt, funeral and burial costs, etc.

Get a life insurance quote online and compare rates in just 5 minutes

We partner with Efinancial to bring you one of the industry’s leading searching and comparing technologies. It’s 100% secure, and Efinancial works with top-rated life insurance companies to bring you some of the most competitive rates.

Get a life insurance quote, and you can instantly compare policy options and estimated rates from several leading life insurance companies.

Get a life insurance quote online or call for expert advice

Package Choice – Insurance for Professional Photographers from Hill – Usher Insurance – Surety, LLC, package insurance policy.#Package #insurance #policy


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Package insurance policy

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Thank you for visiting our insurance for photographers website.

Please browse to read about our camera and liability insurance program for photographers and videographers. Interested in a quote for business insurance? Complete our online questionnaire to receive a proposal of insurance specific to you and your company. In most instances on the same day. Click the Apply Now! button when you are ready.

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Errors Omissions: Protection From Off-the-Wall, Groundless Lawsuits

Professional Liability insurance (Errors and Omissions) is designed to provide for the photographer or videographer’s legal defense and pay for awarded damages when another party alleges some negligence or wrongdoing that resulted in a loss. General Liability coverage specifically addresses bodily injury, property damage, and personal/advertising injury.

An unhappy or unsatisfied bride or groom may not allege that you physically injured either of them; but that won’t always stop a lawsuit from being filed against you. Rare as they are, claims against professional photographers that allege an Error or Omission do happen, many times years after the wedding event. sometimes after the marraige already ended in divorce.

Read the New York Times article entitled “Years Later, Lawsuit Seeks to Recreate a Wedding”:

Errors Omissions is a unique brand of liability insurance that will often defend the professional against professional service related lawsuits. Package Choice is pleased to offer Errors Omissions nationwide.

How or whether insurance coverage responds, of course, depends on the allegations and the facts specific to each case; but, it’s fair to state that the purpose of E O is to defend a photographer when the bride, groom or other individual claims that the work product falls short of reasonable professional standards.

Introducing Package Choice Photographer’s Insurance

Package Choice TM is a comprehensive, multi-insurance carrier program administered by Hill Usher Insurance Surety. Since 1998, thousands of professional photographers and videographers throughout the United States have come to rely on the program for complete business insurance protection. Standard and available coverages include:

Package insurance policy

Errors Omissions (Professional Liability)

Pro-life answers to pro-choice arguments – Campaign Life Coalition #campaign, #life, #coalition, #canada, #life, #pro, #family, #anti, #abortion, #government, #medical, #bio, #ethics, #marriage, #policy, #legislation, #human, #cloning, #stem, #sells, #euthanasia, #prenatal, #development, #anti #abortion, #march, #for, #life, #40, #days, #life, #clc


Pro-life answers to pro-choice arguments

The following are a sample pro-life rebuttals to common pro-choice arguments. Please note that wording is presented here in a casual, conversational style to reflect the natural manner of speaking that one might have in a face-to-face conversation with pro-choice friends, relatives, classmates or co-workers. If dialoguing with somebody in writing, the wording, grammar and/or tone might have to be modified.

Pro-choice argument #1:
Pro-lifers want to take away women s rights.

Pro-life answer:
#1. We support women s rights. We re all for choice too. so long as you don t kill anybody. Your argument begs the question, however – does abortion kill an innocent human being? If not, then there is no moral or ethical problem. If however, abortion represents the killing of an innocent member of the human family, it is immoral, unethical and cannot be justified. There is no such thing as a right to kill innocent people.
# 2. Fifty percent of unborn children are girls. The unborn female has a body that is separate to that of her mother. She has her own unique DNA. Her genetic code directs the development and growth of her own body, from the moment of conception. Therefore, one out of every two abortions takes away the rights of a woman. It takes away her right to control her own body. It takes away her right to choose anything in the future. It takes away a right more fundamental than the right to choose – the right to not be killed.

Pro-choice argument #2:
Women will die of unsafe abortions if we make it illegal.

Pro-life answer:
#1. That argument begs the question – is it ok for society to sanction child-murder just because some people might do it anyway? Should we legalize rape so the government can make it safer and cleaner? Should we legalize the underground trade in sex slaves to regulate and make it safer?
#2. That is a myth concocted by the abortion industry. Before its legalization, most illegal abortions were already committed in doctor s offices by physicians. Dr. Bernard Nathanson, the co-founder of the National Abortion Rights Action League (NARAL), admits that he and other abortion industry leaders invented figures to make the claim that thousands of women are dying annually from unsafe abortions. They did this in order to win public sympathy for legalization.
#3. It s possible that more women are dying today as a result of legal abortion than were dying before its legalization in 1969. Abortion surgery and abortifacient pills like RU-486 do sometimes result in death from continued bleeding or infection. Studies also show a correlation between abortion-choice and suicide. Want to keep women from dying? End the abortion culture and support your neighbour through her pregnancy.

Pro-choice argument #3:
Religion should not influence our laws.

  1. That statement begs a more fundamental question – what is the unborn? If the unborn is in fact a human being, then we can t permit abortion simply on the basis that Christianity opposes it.
  2. Laws against murder and stealing are based on the 10 Commandments. Which one of these would you like to toss? The truth is that killing children in utero violates the natural law, not just Christian teaching.
  3. If something is true, it remains true, regardless of who agrees with it. Should we stop teaching times tables in school because the Church agrees with arithmetic? The nature of the unborn is key in this debate, not who are the groups debating it.

Pro-choice argument #4:
What about compassion for young women whose lives will be ruined by an unwanted pregnancy?

Pro-life answer: #1. That statement begs a deeper question – what is the unborn? If the unborn is in fact a human being, we cannot choose one person s convenience over another person s life. The inherent right to not be killed always ranks higher than the alleged right to be free from hardship or inconvenience.
#2. It is false to suggest that their future educational and career goals must end because one becomes pregnant. With the choice of adoption and the many support programs which exist today, young women or teens can postpone their educational plans but still achieve them.

Pro-choice argument #5:
It s cruel to force a woman to carry a pregnancy which was the result of rape.

Pro-life answer: #1. The Supreme Court has said that the death penalty is cruel and unusual punishment for rapists and that rapists don t deserve the death penalty. I don t think the innocent child conceived in rape deserves the death penalty for the crimes of her father. It seems to me that is cruel and unusual punishment.
#2. Rape victims are 4 times more likely to die within the next year after the abortion, with a higher rate of suicide, murder, drug overdose, etc. As someone who really cares about rape victims, I want to protect them from the rapist, and from the abortion. A baby is not the worst thing that could ever happen to a rape victim an abortion is. We need to educate the public on the truth in this matter and not make public policy based on myth and misinformation.
#3. Rape victims choose abortion at half the rate of the average unplanned pregnancy, which is over 50%. Only 15-25% of rape victims choose abortion, depending on the study. The majority of rape victims choose to raise her child not the rapist s baby HER child.

If you re interested in pro-life apologetics, order the book Pro-life answers to pro-choice arguments by clicking here. It gives answers to hundreds of pro-choice arguments.

Related ‘Abortion’ Pages

Car Insurance for Classic Cars FAQ – How Do I Read My Car Insurance Policy? About Policy Forms #auto #insurance #policy #number


How To Read a Car Insurance Policy

In Part 1 we learned that what are called ‘Policy Forms’ are not quite what we commonly understand forms to be: They are not fill-in forms like a job application or a tax return. Instead, insurance policy forms are pre-printed, boilerplate documents that spell out all the terms and conditions of the insurance contract. Some are only a single page long while others are several.

A form may cover the details of one coverage (Uninsured Motorists, for example) or several. It usually takes many forms bundled together to make up a single insurance policy, and the exact forms used vary from person to person, depending on what coverages one person has chosen versus another.

Whats in a Name?

As we saw in Part 1. policy forms have names that usually are strings of several letters and numbers. They look intimidating but often break down easily into understandable bits. For starters, the last four digits of the form number are usually the revision month and year, so ‘PP00010698’ is the form ‘PP0001’ with a revision date of June, 1998. Further, the ‘PP’ is secret insurance code for ‘Private Passenger’, which tells us the form belongs in personal auto policies. We’re left with ‘0001’ which is the core, unique form number. In this case, ‘PP00010698’ is the June, 1998 revision of the Personal Auto Policy form (the basis – the real meat – of all auto insurance contracts). We will be reviewing that specific form – and going over many more fun facts about insurance forms – in the next article.

The Problem: Lots of Forms in Lots of Jurisdictions

Car insurance for privately-owned vehicles is a regulated industry. Not only is it regulated. its regulated by the individual U.S. states. As such, the regulations in California versus Kansas, while similar, are not identical. Thus you need policy language in Kansas that you don’t in California and vice versa. Additionally, one state’s regulators may make unique updates to their regulations over time.

Changes in insurance regulations will require updates to individual forms for a particular state. Since roughly a dozen forms make up a typical insurance policy – and each state’s regulators have to review and approve any forms changes a company may make – the result is a real headache for the company that tries to keep up with all the changes.

The Solution: The ISO Standard

To help solve this problem, the insurance industry has ISO – not the ISO most people are familiar with – This ISO is an acronym for Insurance Services Office. and thats the one we mean from now on. Among other things, ISO keeps up to date with all regulations and forms changes, and produces policy forms that are properly compliant with a given state’s insurance regulations – so long as you are using the current form edition.

The fact that these forms are immediately usable is very important. The use of ISO forms means a given insurance company doesn’t have to re-request regulatory approval for their forms every time there is an update. Sounds perfect, right?

Not a Perfect World

Unfortunately, generic ISO forms don’t always do the job a given company needs. What if, for example, a company wants to offer nationwide roadside assistance rather than simple towing coverage? There’s no generic form for that, so the company will have to create one. Further, what if a company wants to remove a few restrictions, or add new ones, to the policy? They have to either rewrite the form so its to their liking, maintaining most of the ISO language but not all of it, OR create an entirely new form that amends sections of the standard form (yes, the subject is getting complicated).

In the real world, many companies use a mixture of both generic ISO forms and their own, specialized ‘manuscript’ forms. These company-designed forms are subject to regulatory approval prior to their use. Securing this approval can sometimes mean a considerable delay and a lot of effort.

From The Ground Up.

So now we know that getting approval for forms that only deviate a little from the ISO standard can be a headache. Now consider that some companies – typically only the largest – write their own policy forms from scratch. They don’t use the ISO standard at all. An insurance company has to really want a custom contract bad to go thru that sort of wringer. Why would a company put themselves through such enormous effort?

There is no easy answer, but while ISO forms and their language are an industry-wide known quantity, completely custom forms are the opposite. We have reviewed many such policies here over the years and have found some real jewels hiding inside that were either missed by regulators, or allowed to go through despite theor implications. One example of what we came across, and what a consumer went through as a result, is here .

The moral of this portion of the story is to know that the closer your insurance policy is to the ISO standard, the less chance that there is an ugly surprise hiding inside. You need to get out your magnifying glass, brew up some coffee and prepare yourself for a long read. Its hard to say whats in there until you go through it all.

In our next article, now that we have explained what forms are, we will start reading some and trying to figure out what they are trying to tell us. We’ll start with the Personal Auto Policy form, whose generic form is found here .

A Cancer Supplemental Health Policy Covers the Gaps #cancer #policy #companies


Cancer Supplemental Health Policy

Cancer insurance is a supplementary health insurance policy that can cover many of the costs associated with this disease. While your regular health insurance may cover some procedures, people often find out at a critical juncture that some of the most expensive costs involved in their cancer recovery are not covered by a health plan. A serious disease can be a strain not only on your health but on your savings as well.

If you aren’t sure whether cancer insurance is right for you, find an agent in the Trusted Choice ® network today. A local member agent can help you compare cancer insurance policies and quotes from multiple companies and customize the best plan for your unique situation.

The Cost of Cancer

  • Cancer in the U.S. costs an average of $228 billion per year
  • $93.2 billion is spent in direct medical costs
  • The average cost is rising by 15% each year
  • Prescriptions alone can cost over $50,000 per year; for example, Provenge, a prostate cancer treatment costs $93,000

What Does Cancer Insurance Cover?

Ultimately, coverage depends on the plan you buy and company you buy it from, but many cancer insurance policies cover basic medical and non-medical expenses. Certain medical expenses can include things like radiation therapy, long hospital stays, co-pays, deductibles, and even experimental procedures. Cancer treatments easily cost thousands of dollars, and while your 20/80 coinsurance rates may seem reasonable on a $100 bill, a $300,000 charge can bankrupt the average person.

An attractive feature of a cancer insurance policy is the ability to assist with certain costs that otherwise would come straight out of your pocket. Things like transportation, meals, home health care, loss of income and extra child care can strain your finances and aren’t covered by regular health insurance.

Cancer insurance will pay benefits to you directly. You may receive a lump sum upon diagnosis, but anything above and beyond the limit may require reimbursement receipts. In the long run, hanging on to your receipts might be easier than paying exorbitant out-of-pocket costs.

Who Needs Cancer Insurance?

In the United States, cancer is the second leading cause of death, affecting nearly 1.2 million individuals per year. You likely know someone, either directly or indirectly, who has been diagnosed or affected by this disease. How do you decide if cancer insurance is right for you?

Here are some considerations:

  • Ask yourself what kind of risk you face. If your family has a history of breast cancer, purchasing breast cancer insurance might make sense. Just make sure that the supplemental cancer insurance policy includes the specific diagnosis. Some policies only cover certain kinds of cancer.
  • Ask yourself if your current health plan has any gaps specifically related to cancer. It could be more advantageous to upgrade your main policy rather than buy supplemental cancer insurance. While cancer insurance companies can offer attractive policies, it’s important to make sure a supplemental policy does not counteract your main policy or pay fewer benefits.
  • If you’ve ever had cancer or have recently been diagnosed, it’s likely you won’t be eligible for a cancer insurance policy. But if you’ve never had cancer, make sure you understand the ins and outs of your coverage and your personal risks before committing to another insurance payment.

A Trusted Choice member agent can help you gain control over your insurance choices by exploring all available options to find the best cancer insurance or other critical illness policies.

Benefits of Cancer Insurance

In many cases, this form of coverage will provide many benefits that may not otherwise be covered.

  • Treatments: Some comprehensive health insurance plans will limit coverage for certain kinds of treatments, especially those considered less orthodox – which may not be covered at all. In the fight against cancer, some people are more willing to exhaust all resources. When cancer insurance benefits are paid directly to you, you are also in control of your treatment.
  • Travel: A cancer diagnosis often comes as a shock, but added travel expenses can be just as shocking to patients. Many patients have to travel long distances for specialized care, or need to make more trips to the doctor than normal. With today’s gas prices holding steady at $3+ per gallon and air and train fare becoming more expensive, being reimbursed for travel can save a lot of money.
  • Loss of income: If you can’t work because of your diagnosis, there may be a ripple-effect on your finances. Even if you’ve maintained a healthy savings account, those savings can be seriously impacted by the cost of treatment. Cancer insurance benefits can help cover daily household expenses, including extra child care.
  • Options: Some cancer insurance policies give you the ability to add a spouse and/or children to the plan. Cancer doesn’t discriminate; close to 14,000 children per year are diagnosed with the disease. If you get sick with another illness as a result of cancer, cancer insurance will also typically cover the secondary illness while your main health insurance plan may not.

Critical Illness vs. Cancer Insurance Policies

When you begin your search for cancer insurance, you may find another form of supplemental health insurance called “critical illness coverage,” which also includes cancer. Be sure to evaluate your need for critical illness coverage before you buy. If your family disease history consists only of cancer, cancer insurance may be a better investment.

On the other hand, if your family disease history includes a range of major illnesses such as heart disease and kidney failure, a critical illness policy may be a better form of protection. Both will cover medical and non-medical expenses, but cancer insurance policy may have higher payment limits and more provider flexibility. Critical illness policies may be dependent on an employer; when purchased privately, this is exceptionally expensive coverage as compared to cancer insurance.

It might be hard to determine which policy is the best for you, especially if you have limited information about your family history. A local agent in the Trusted Choice network who specializes in health insurance can help to assess your needs, evaluate several different options and make an informed choice.

Contact a member agent for personalized assistance with your cancer insurance needs.

End of box

Mba energy management #energy #management #program, #best #energy #management #program #in #india, #mba #in #energy #management, #pgdm #energy #management, #pgp #in #energy #management, #best #mba #in #energy #management, #energy #management #in #india, #premier #business #school #in #india, #management #institute #in #delhi, #pgp #in #international #marketing #(im), #pgp #in #human #resource #(hrm), #pgp #in #public #policy #management #in #india, #hr #institute #in #india, #pgdm #marketing #institute #in #north #india, #mba #admissions #2016


Post Graduate Programme in Energy Management (PGP-EM)

Objectives of the Programme

To cope with new realities and changing contours of the Energy/Power & allied sector in India, MDI’s Energy Management Programme focuses on developing future leaders who:

  • Believe in leading change rather then managing change
  • Integrate thoughts with action
  • Create an impact to make a difference wherever they go
  • Are trained and developed as the best talent to meet the challenges of developing and managing Energy/Power & Allied sector in India
  • Would be well-equipped with the salient features of functional areas of management
  • Would share experiences on national and international best practices and innovations in community-based participative model
  • Would be facilitators for awareness, understanding and implementation of enactments related to energy/power.

Thus, the mission of the programme at MDI is to prepare global leaders who create, manage and effectively lead change in the energy/power & allied sector. These leaders are expected to create winning institutions in the emerging corporate Olympiad. The programme also sensitizes them on ethical issues.


Teaching is based on recent research material and experience gathered from around the world. The pedagogy is highly interactive. It envisages substantial participation and action learning. Teaching methods include lectures, cases, seminars, group discussions, business games, role plays, simulations, exercises, structured and unstructured group work and field visits. The emphasis is on involving each participant to make learning participant-centric and help them relate the concepts, ideas, and theories to their own experiences. Consistent with recent advances in training technology, the programme integrates the use of latest IT and computing technologies with learning in different functional areas.

Group Activities

Substantial work is assigned to the participants in small groups. This provides an opportunity to examine a problem collectively and to learn from each other’s experiences. The group learning activities can be broadly classified into two:

  • Group assignments with presentations and case analysis
  • Group tasks-assignments that involve learning by doing.

Industry Visits

In order to have the first hand experience of the best practices in energy/power & allied sector in India, MDI organizes industry visits for the benefit of the participants.


The first four terms are residential on Campus and the fifth term is devoted exclusively to the dissertation work. The tentative term dates are as follows:


On successful completion of the Programme requirements, participants are awarded a Post Graduate Diploma in Management (Energy Management) which has the approval of the All India Council of Technical Education, Government of India. The Programme is also accredited by AMBA.

30-Day Car Insurance Policy #cheap #rental #cars

#day car insurance

30-Day Car Insurance Policy

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When to Consider Using Monthly Car Insurance

  • **For a rarely used car.** If you have a classic car that spends most of its time locked up in a shed, then it’s probably not insured, and you may only want coverage for a month or two during the summer, for example.
  • **Teenage drivers**. If you have access to a car that is not yours, such as a friend or work colleague’s, you probably still need your own insurance in most cases. If the car belongs to your parents, try to get [added to their policy]( instead.
  • **Emergency situation** or other short-term need. If you’re moving out of your home or your boss needs you to drive a work vehicle for a short period of time, you will need to have insurance that covers that vehicle.

No-Down Payment Car Insurance

Although these policies generally have terms of three, six or 12 months, you only need to make monthly payments and you’re not required to make a large lump sum payment at the beginning of the coverage period. This generally works out to be more expensive in the long run compared to paying in advance, though, because of added billing fees. You may be able to cancel this type of policy after paying for the first month, but you should check the details with your provider.

Canceling A Regular Long-Term Policy

In most states, you can simply take out a regular longer-term insurance policy for your car and then cancel it after one month. although laws exist in some states that make it impossible to cancel the policy in fewer than two months — regardless of your reason.

Even if you are able to cancel the policy after a month, there may be extra fees associated with this early termination, so read the fine print carefully. In any case, many states require you to prove that you have another insurance policy in place before allowing you to cancel your existing one.


Prices of temporary car insurance plans vary greatly, depending on many factors such as your age, where you live, driving history, type of car and how long you want insurance coverage for. Seek quotes from at least three or four providers before settling on one. If you are already insured with a long-term policy, ask your provider if it offers any options that are shorter.

Harvard Kennedy School – Master in Public Policy #master #of #public #policy #programs

Master in Public Policy

The Master in Public Policy (MPP) degree is a rigorous two-year program that prepares students both to understand complex problems and to craft concrete solutions. Through courses, exercises, and fieldwork students master an interdisciplinary conceptual toolkit that draws on the social sciences but is adapted for action. MPP candidates arrive at HKS committed to improving the world. They equip themselves to do so through broad-spectrum analytical competency. This defining feature of the MPP means intellectual honesty; a hunger for evidence; the capacity to extract answerable questions from the messy clutter of real-world public problems; familiarity with a wide range of analytic methods and the habit of picking the tool to fit the task.

The MPP Core curriculum features policy analysis, economics, management and leadership, empirical analysis, negotiation, ethics, and politics. The first year culminates in a Spring Policy Exercise that lets student teams try their hand at a real-world, real-time policy challenge. Most students spend the summer on a policy-oriented internship. The Policy Analysis Exercise —a client-driven, often team-based practicum—caps the second-year curriculum, in which students also pursue a range of electives at HKS and throughout Harvard.

Classes at the Harvard Kennedy School are taught by the case method, the more traditional lecture format, or a mixture of both. Students work together in small groups on projects and are aided by course assistants, teaching fellows, and faculty members in a collaborative and non-competitive working environment.

Prospective students interested in the MPP program are encouraged to review the prerequisites for academic and work experience prior to applying.

Programs of Study: