Swimming in the assigned-risk pool for car insurance, car insurance high risk.

#Car #insurance #high #risk


Swimming in the assigned-risk pool for car insurance

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Last updated March 19, 2010

If you have numerous speeding tickets, traffic violations or a recent history of car accidents, you may be swimming in the high-risk pool for car insurance.

Over the years, the auto insurance industry has found ways to absorb most high-risk drivers into its ranks through “nonstandard policies,” where you pay a high premium but secure the liability insurance you must have by law to drive.

Car insurance high riskBut there are drivers even the regular car insurance industry can’t help. These drivers can’t buy car insurance in the “voluntary market” because they are first-time drivers or their driving records are peppered with violations. These are folks who are expected to make future car insurance claims and car insurance companies don t want them.

If you’re in that boat, you’ll have to dive into your state’s “assigned-risk pool,” also known as the “residual” or “shared” market. This is where risky drivers can buy car insurance policies at a high price from insurers who must accept them. According to the Insurance Information Institute (III), every auto insurer must accept a number of assigned-risk drivers in proportion to the amount of business it conducts in each state. Residual-market policies may be available for all types of vehicles, including commercial vehicles, motorcycles, motor homes, campers, all-terrain vehicles, snowmobiles and golf carts.

Nationwide, assigned risk business made up roughly 0.8 percent of the total written auto premium in 2008, according to a 2009-10 report from AIPSO, which provides services for insurers that operate in residual markets. Nearly $1.5 billion of premium was written in the private passenger and commercial auto insurance residual market that year. However, due to advances in underwriting and changes in marketing strategies, the residual market has declined dramatically since the 1990s, according to John Verruso, director of communications for AIPSO. Back in 1989, by comparison, the residual market accounted for 8.9 percent of total auto premiums. A significant reversal of this trend is not anticipated.

“It will be interesting to see what happens,” Verruso says. “Historically, we have seen the residual market increase (during an economic slump). The auto insurance residual market s share of the total market may grow in 2010. If it does, it will still be nowhere near the levels we saw twenty years ago.”

Proportions of assigned risk premium vary greatly among states. North Carolina had by far the largest residual market in 2008 (the latest data available), with more than 14.4 percent of its total auto premium falling into that category, according to the AIPSO report. Massachusetts, in second place, had 6.1 percent in the market, followed by Maryland at 2.8 percent.

Though all 50 states and the District of Columbia have a residual market, there are four different systems. The most common is the “assigned-risk plan,” currently found in 42 states and the District of Columbia, according to III. These plans are administered through an office created by the state and governed by a board representing insurance companies licensed in the state.

Four states (Florida, Hawaii, Michigan and Missouri) have state-mandated pooling mechanisms through which all auto insurance companies doing business in the state share the premiums outside the voluntary market, as well as the profits or losses, according to III.

North Carolina, New Hampshire and Massachusetts have reinsurance facilities. Here, an insurer decides whether to handle the policy as part of its regular “voluntary business” or transfer it to the reinsurance facility. An insurer is permitted to transfer a percentage of its policies to the pool. Profits or losses in this pool are shared by all auto insurers licensed in the state, according to III. (Massachusetts began a three-year process to convert to an assigned risk plan in April 2008, according to III.)

Maryland is the only state that has its own state-funded system. Private insurers do not participate directly but are required to subsidize any losses from the operation.

How an assigned-risk pool works

Each state has its own eligibility rules for its assigned-risk pool, but typically you must have been declined for a car insurance policy or offered a policy at a rate higher than the pool’s premiums within the last 60 days. Some states may require that you’ve been turned down more than once. AIPSO has each state’s manual online.

Your car insurance agent will help you get a policy from the residual market. You’ll likely sign a declaration stating that you’re eligible under your state’s rules and your agent will tell you your rate and the insurance company to whom you’re assigned. This rate is set by your state insurance department, so no matter which insurance company you get, your rate remains the same. However, your premium will still vary according to factors such as where you live, your age and your driving record.

Even in the residual market, you’ll have some policy options. Of course you’ll have to buy liability insurance for at least your state’s minimum requirements, but you will likely have a range of liability-amount choices above that, plus the option to purchase collision and comprehensive coverage.

It’s possible you can get out of the pool within a year or two. Your residual-market insurer may offer you a policy in the voluntary market. States often provide incentives to insurers for these “take outs.” Or, you may be able to find a voluntary-market car insurance policy yourself. There’s no law against shopping around for car insurance!

The standard assigned-risk period is three years, according to Verruso. Then you’ll be back in the voluntary market and, one hopes, not returning to the pool.

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Snow shoveling may increase risk of heart attack in men – Medical News Today #testosterone #heart #attack #risk


Snow shoveling may increase risk of heart attack in men

published Monday 13 February 2017 published Mon 13 Feb 2017

As winter draws to a close, those of us living in snowy areas might be relieved that we no longer have to shovel our way out of the house every morning – and for good reason. New research suggests that snow shoveling can increase the risk of heart attack.

New research suggests that shoveling snow increases the risk of myocardial infection among men.

Snow shoveling is a particularly strenuous activity, and our cardiovascular system “knows” it, too.

The intense aerobic activity may be good exercise, but lifting too much heavy snow puts a disproportionate amount of strain on our arms compared with our legs, therefore increasing our heart rate, blood pressure. and oxygen demand. Together with the inhalation of cold air, this can lead to adverse cardiovascular events, also known as the “snow-shoveler’s infarction.”

A new study, published in the Canadian Medical Association Journal. examines the link between large snowfalls, long periods of snow, and the risk of myocardial infarction (MI).

Researchers led by Dr. Nathalie Auger, of the University of Montreal Hospital Research Centre in Montréal, Quebec, examined data from two databases, gathering a total of 128,073 patient admissions and 68,155 MI-induced deaths that occurred in Quebec between 1981 and 2014.

They analyzed the data only in areas prone to heavy snowfalls, and they collected information during the winter months between November and April. Furthermore, the researchers received detailed weather information from Environment Canada for each of the regions studied, such as daily snowfall and temperature.

Studying the link between snowfall and the risk of heart attack

Overall, Dr. Auger and team found an association between heavy snowfall and a higher risk of both nonfatal and fatal MI.

Specifically, heavy snowfall – defined as approximately 20 centimeters – correlated with a 16 percent relative increase in the chances of being admitted to the hospital due to an MI. Heavy snow was also associated with a 34 percent relative increase in the odds of dying from an MI in men.

Approximately 60 percent of al MI-related hospital admissions and deaths were in men, but no adverse cardiovascular effects were noticed in women.

The study also found that the probability of fatal MI increased proportionally with the consecutive number of snow days. The likelihood rose particularly in the day most close to the snowfall period, with a third of the MIs in men occurring the day following a snowfall. This association was even stronger for longer-lasting snowfalls – 2 to 3 days, for example.

As Dr. David Alter points out in an accompanying commentary to the study, this makes the possibility of causality between snow shoveling and MI very plausible.

Researchers adjusted for age, cardiovascular risk factors, and other health conditions. The risks remained high independent of these variables. However, the authors suggest that men over 50 who are at risk of cardiovascular disease or lead a sedentary lifestyle may have the highest risk of MI if they shovel large amounts of snow.

Despite study limitations, snow shoveling still a plausible cause

Lastly, the authors also point out some limitations to their observational study. There is no data on gender-specific snow-shoveling habits, or other behaviors that may have taken place immediately before the snowfall. Researchers were also unaware of how the snow removal was done – manually or with the help of a snow blower, for instance.

Furthermore, in his review, Dr. Alter points out that if snow shoveling was indeed accountable for the adverse health effects, the risks of comorbidities, frailty, and MI should have risen along with the risk of cardiovascular events.

Despite these “important considerations, the hypothesis that shoveling is associated with an increased risk of MI events among men remains plausible,” the authors write.

” We suspect that shoveling was the main mechanism linking snowfall with MI. Men are potentially more likely than women to shovel, particularly after heavy snowfalls. Snow shoveling is a demanding cardiovascular exercise requiring more than 75% of the maximum heart rate, particularly with heavy loads.”

Dr. Nathalie Auger

In fact, Dr. Auger and colleagues advise public officials to come up with awareness campaigns that dissuade people from this activity, especially if their health is already poor.

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LASIK Surgery Procedure

Center is conveniently serves patients throughout the Dallas Fort Worth Metroplex. Prior to surgery, eye drops are administered to numb the eye and ensure maximum comfort throughout your LASIK procedure. Device is positioned to prevent blinking during LASIK surgery, then the corneal flap is created using either a microkeratome or the Intralase laser.

LASIK Surgery Benefits

The vast majority of LASIK patients at our office experience a quick recovery with minimal downtime and benefit from a reduced or eliminated need for glasses or contact lenses. In addition, many LASIK patients also enjoy enhanced quality of vision after their surgery, resulting in vision that is sharp and clear.

LASIK Surgery Risks

Patients in the Dallas area who undergo LASIK surgery at The M LASIK Center can expect few or no complications and significant improvement in vision after surgery. However, all surgery does carry some risk, so Dr. Mazaheri works with each patient to determine individual needs with thorough pre-operative testing.

LASIK Surgery Testimonials

A prominent physician serving the DFW Metroplex, including the Richardson and Dallas areas, LASIK surgeon Michael Mazaheri, M.D. has helped many satisfied patients enjoy the convenience of improved vision. A number of other doctors have even entrusted their sight to Dr. Mazaheri and have referred their family and patients to him as well.

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    Cataract patients looking to improve their vision may be candidates for Crystalens implantable lenses. Crystalens can also serve as an alternative solution for patients who are not eligible for LASIK surgery. These lenses allow the patient to achieve 20/20 vision or better, and allow patients to focus at near, far, and intermediate distances. We have teamed up with a master surgeon in Crystalens and your quality of surgery is our only concern.

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    Those wishing to eliminate cataracts and decrease dependency on glasses, ReSTOR lens implants may be the ideal solution. ReSTOR lenses are especially effective in improving nearsightedness, and offer several of the same benefits as Crystalens.

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Baird Aggregate Bond Fund


The investment seeks an annual rate of total return, before fund expenses, greater than the annual rate of total return of the Barclays U.S. Aggregate Bond Index. The fund normally invests at least 80% of its net assets in the following types of U.S. dollar‑denominated debt obligations: U.S. government and other public‑sector entities; asset‑backed and mortgage‑backed obligations of U.S. and foreign issuers; corporate debt of U.S. and foreign issuers. It only invests in debt obligations rated investment grade at the time of purchase by at least one major rating agency or, if unrated, determined by Robert W. Baird & Co. Incorporated to be investment grade.


U.S. News evaluated 981 Intermediate-Term Bond Funds. Our list highlights the top-rated funds for long-term investors based on the ratings of leading fund industry researchers.

BAGIX is listed as:


Trailing Total Returns Monthly

BBgBarc US Agg Bond TR USD


The fund has returned 1.83 percent over the past year, 3.16 percent over the past three years, 3.29 percent over the past five years, and 4.68 percent over the past decade.


Fees are Low compared to funds in the same category. Baird Aggregate Bond Fund has an expense ratio of 0.30 percent.

Net Expense Ratio

Category average: 0.79

Category average: 0.39


Risk is Above Average compared to funds in the same category according to Morningstar.

Volatility Measurements

Volitility measures reflect the uncertainty or risk of change in a security’s value.

Standard Deviation. 2.942

Sunset Plaza Insurance, Discount Auto Insurance, DUI insurance quote, Cheap Sr22 insurance California, High Risk Motorcycle Insurance, Commercial Truck Insurance California, car insurance high risk.#Car #insurance #high #risk


We specialize in California Auto, Motorcycle, Boat, Commercial and Homeowner/Renters Insurance. Lowest priced DUI and SR22 Insurance Online Quote.

Savings of up to 40% on your insurance quote. Our agents are specialists in finding a discount quote that fits your needs. Have a bad driving record, suspended license, DUI or other high risk auto insurace need? Get a free quote from Sunset Plaza Insurance. Let us help you find affordable California insurance coverage.

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as well as best coverage

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your insurance needs

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Insurance is not something that should be taken lightly. You need to make sure you are completely covered for any situation that may arise just in case. As well as make sure you satisfy the legal requirements. Pretty much every area of your life needs to be insured. Work, home, travel, driving commute; it doesn t matter where you are or what you are doing, there is never 100% guarantee that things will run smoothly. And while you may work on the basis of what you fear, you attract and think that you are safe, the truth of the matter is that accidents do happen. If such a thing were to happen to you, you wouldn t want to be left high and dry. We specialize in SR22 insurance, teen driver insurance, DUI car insurance and high risk auto insurance which are some of the most important coverage options you could take out depending on your needs.


This Los Angeles bases insurance Agency serves all of California and will definitely be able to offer you exactly the type of insurance you need. This dedicated team has the best interests of their clients at heart and will stop at nothing to make sure that they find the right insurance provider with the best rates. Everybody has different needs when it comes to insurance cover. You may be termed as a high risk client and require DUI car insurance or SR22 insurance. You may be the parent of a teenager and require teen driver insurance. Both of these could be expensive if you go to other agents but Sunset Plaza guarantees you the best coverage at the most affordable rate.

In addition to high risk auto insurance, Sunset Plaza also offers the following insurance services:

  • Motorcycle Insurance
  • Boat Insurance
  • Home Insurance
  • Commercial Insurance

No matter what type of insurance you purchase, Sunset Plaza guarantees that you will never find yourself in the position of being overcharged. It may be a little confusing to choose between the different insurance options (especially when it comes to auto insurance: high risk). The experienced agents of this firm will assist you every step of the way, offering advice and answering your questions when necessary, and advising you as to the best way to purchase your High risk or SR 22 insurance, or just covering your teen driver.


The goal of Sunset Plaza is to:

provide our customers a source for the right insurance at the best prices and to be a source of helpful insurance information

When you come in to find the perfect high risk auto insurance for you, you will find a dedicated team that will assist you in every way possible. Sunset Plaza intends to cultivate long-term relationships with clients, so if you ever find yourself in need of a little extra help you know just who to call.

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The UT Dallas MBA Program, Naveen Jindal School of Management, risk management mba.#Risk #management #mba



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The UT Dallas MBA Program

The 53-credit hour UT Dallas MBA combines a robust core with the option of adding a joint MS degree allowing you to receive an education that is consistent with what top employers expect. Highlights of the degree include:

  • 5 flexible formats—Full-Time Cohort, Professional Evening Cohort, Professional Flex, Professional Online and Executive MBA.
  • 14 joint MS/MBA degree options (5 of which are STEM designated programs).
  • 15 MBA concentrations with more than 200 elective courses.
  • Nationally top-ranked programs:
    • Our Full-Time MBA is
      • No. 12 among U.S. public university programs according to Bloomberg Businessweek (2016) and
      • No. 16 (tied) among U.S. public university programs according to US News World Report (2017)
    • Our Professional MBA is
      • No. 7 among Best Online MBA Programs, U.S. News World Report (2017) and has also been ranked
      • No. 16 among U.S. public university programs according to U.S. News World Report (2017) and has also been ranked
  • Widespread alumni network with approximately 40,000 Jindal alumni nationally and 4,700 MBA alumni in Texas.
  • Access to the Career Management Center for all MBA students—Full-Time and Executive MBA students also have a dedicated program career coach.
  • 90% placement rate for Full-Time MBA Program with recent placements at Amazon, Chick-fil-A, Deloitte, Intel Security, Proctor Gamble, SpaceX, TI and Toyota.
  • Multiple experiential learning courses across a variety of functional areas.
  • Competitive tuition pricing with generous scholarships that may provide in-state tuition.

    To learn more about our MBA Programs register for an upcoming admission event or request information on your program of choice.

    • Connect with the Director
    • MBA Formats
    • Degree Plan
    • MBA Program Contacts
    • Joint MS/MBA Program
    • Transfer Credits

    Connect with the Director

    How exciting that you are considering earning your MBA. This journey was rewarding in itself and pivotal in my career development. It took me beyond the point of questioning my ability to allowing me to feel accomplished and confident.

    At UT Dallas, your MBA experience is tailored to your unique interests and career objectives. Networking, career development, alumni and faculty engagement opportunities are strategically integrated throughout our programs.

    We are confident you will quickly understand why the MBA program from UT Dallas is much more than a degree. I encourage you to take a few minutes, get to know us and find your place within the company of smart people.

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Colorado Health, Auto, Home, Dental and Business Insurance

With our exclusive and totally objective Colorado Health Insurance Analyzers . you compare the rates and plan designs of EVERY major health insurance company in Colorado. It’s the perfect tool for comparing individual health insurance. group health insurance and Medicare insurance plans as well as Health Savings Accounts (HSA’s), auto and car insurance, home, motorcycle, ATV, RV, renters, and business insurance. We even have pet health insurance.

We have been Colorado’s insurance superstore since 1984, serving as an insurance exchange. or marketplace, where consumers can compare and shop for all of their insurance needs. In our role as insurance navigators. we help consumers navigate their way through the maze of insurance companies and plans to find the one that best fit their needs at the lowest possible price. Consumers can comparison shop and purchase all in one place, and still get the personal service they deserve.

At Group Insurance Analysts, Inc. (GIA), our brokers have no allegiance to any particular Colorado health, auto or home insurance company, and we do not exact fees from our clients. Take advantage of our experience, expertise, and exceptional client service. We’ll help you find a health, auto, home, dental or business insurance package that fits both your needs and your budget. You will see insurance quotes from:

Group Insurance Analysts, Inc. (GIA) is an independent insurance agency located in Colorado (Arvada, Wheat Ridge, Lakewood, Denver area) since 1984. We provide no obligation Colorado health insurance, auto, home, dental, Medicare and business insurance quotes from many insurance companies in Colorado to individuals and Colorado businesses.

We specialize in individual insurance products, as well as commercial and business insurance. We handle insurance for individuals/families and businesses of every size – large corporations, partnerships, small business and even sole proprietorships.

Since our Lakewood, Colorado inception in 1984, through our move to Arvada in 1995, and today in our current location in Wheat Ridge, we have been dedicated to the representation of our clients only – not the insurance companies.

Group Insurance Analysts, Inc, and GIA Risk Management, LLC offer the following types of Colorado insurance – Health, Life, Auto, Home, Dental, Medicare, Business, Workers Comp, Health Savings Accounts (HSA’s),Pet, Disability, Flood Insurance, Surety Bonds, Fidelity Bonds, Construction Bonds, Liability and Property, through licensed Colorado insurance companies like Progressive Insurance, Safeco, Travelers, Hartford, Anthem, Aetna, Delta Dental, Cigna, Kaiser, Humana, RMHP, UHC, Kaiser Permenente,Blue Cross Blue Shield of Colorado, Pacific Specialty, United Fire, Pinnacol and many more.

We provide insurance quotes in Arvada, Denver, Wheat Ridge, Lakewood, Golden, Boulder, Broomfield, Westminster, Brighton, Aurora, Littleton, Englewood, Parker, Northglenn, Thornton, Longmont, Louisville, Lafayette, Superior, Evergreen, Morrison and throughout Colorado.

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Group Insurance Analysts, Inc. | 9195 West 44th Avenue | Wheat Ridge, Colorado 80033 | in the Denver Metro area | 303-423-0162 ext 100 | Colorado Agency License #45298

Mailing Address | Group Insurance Analysts, Inc./ GIA Risk Management, LLC. | P.O Box 1246 | Arvada, Colorado 80001 | 888-423-3232 Ext 100

Types of Colorado Insurance – Personal and Commercial

Auto | Health | Business | Medicare Plans | Home | Dental | Life | Workers Comp | Liability | Classic Car | Renters | Motorcycle | Pet | Property | Fire | Medical | Accident | Supplemental | RV | ATV | Boat

� Copyright 1999-2012 Group Insurance Analysts, Inc – Colorado Health Insurance Brokers – Colorado Home Insurance Brokers – Affordable Health Insurance

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Our Mission

To provide our clients with exceptional protective services that grant them peace of mind, and the confidence that the safety and security of their family, business and assets are ensured. To provide our employees with the highest level of training, compensation and respect, allowing them to consistently exceed our client’s expectations.

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Welcome to EPG Security Group

EPG Security Group provides Protective Agent Services in Minnesota, Wisconsin, Florida and Washington DC.

We specialize in protection to executives, high-profile individuals, and organizations from businesses to places of worship to the hospitality industry.

We earn the continued trust of our clients through superior customer service, highly trained and loyal security personnel, and a thorough assessment of risk followed by astute counsel on a strategic security program.

It’s Time To Expect More From Your Security.

Posted: December 15, 2016

Away from it all, out in the open air… the green pastures… the blue sky above… Who would ever think that you would need security? Just take a look at history and you’ll think again. What plan do you have in place to protect your farm or ranch against everyday crime? Or what about agroterrorism? If Continue reading Protect Your Farm and Ranch with this Security Checklist!

EPG Security Group was formed in 2007.

Why should I hire EPG and not another company?

Truth be told, if you are simply looking for a Officer in a uniform there are many vendors that can provide that service. However, if you are looking for a true partnership that delivers customer service, excellent communication and highly trained officers, then look no further. EPG Security Group has the global network in place to tackle the toughest assignments. Furthermore, when you contract with EPG you are not simply a number. Each client has direct excess to CEO Erik Bergling, something the bigger vendors simply don’t allow.

Aren’t all security services the same?

Unfortunately they are not. Too many companies simply throw a solution together without truly understanding the clients issues. To truly call yourself a Security Provider, you need to approach each and every job in a holistic manner. Taking the time to understand our clients needs is what separates us from the other vendors.

What questions should I be asking a potential security company?

When you are shopping for a security vendor it is vital that you ask the following questions. If they can’t answer or are unwilling to answer any of these questions, I would look somewhere else; A. How Long have you been in business? B. Are you licensed and Insured? C. Do you background all of your personnel? D. Would you recommend a service if you felt it wasn’t required? E. Can I speak with a few of your longest served clients?

Will my guests be scared if I hire a security officer for my wedding?

Prior to your event we will sit down and discuss your overall concerns for the event. In some instances, our clients prefer a more overt approach, meaning our Special Event Agents are branded as Security. However, we do have clients that prefer a more low key approach, meaning our Agents blend in with the crowd. We have even gone as far as wearing the same color as the wedding party. With either approach, our services are always welcomed by the attending guests and the venue itself.

What are some of the top reason to hire a security officer?

There is no blanket answer for this question, however, after sitting down with you and discussing your concerns your individual issues will be determined. With that said, no matter what the reason, a well designed security solution should always deliver the following; Peace of Mind for the client and a customer friendly and approachable environment for guest and employees.

Armed or Unarmed Officers?

This question can not be answered until a thorough examination of your current situation is completed. There are numerous factors that need to be considered when using armed Security Officers. Cost, overall feel of the security program and liability are chief among them.

If you need to send us a quick message please fill out the form and we will get back to you as soon as possible. If you would like a quote or like to submit a resume please check out our contact page.

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MVP Managed Services is a division of MVP Staffing, which provides Temporary, Temp-to-perm and Direct Hire staffing services for a wide range of industries. With exceptional local market expertise as well as nationwide capabilities, MVP Staffing is a turnkey solution built on responsiveness and a commitment to long-term relationships.


Privacy Policy

This privacy policy sets out how Most Valuable Personnel (MVP) uses and protects any information that you give MVP when you use this website.

MVP is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

MVP may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from August 25, 2015.

What we collect
We may collect the following information:

  • name and job title
  • contact information including email address
  • demographic information such as postcode, preferences and interests
  • other information relevant to customer surveys and/or offers

What we do with the information we gather
We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

  • Internal record keeping.
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  • We may periodically send promotional email about new products, special offers or other information which we think you may find interesting using the email address which you have provided.
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We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies
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We use traffic log cookies to identify which pages are being used. This helps us analyze data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites
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Short Term Insurance South Africa #short #term #insurance, #south #africa, #insurance #brokers, #cape #town, #risk #management, #insurance #solutions, #property #insurance, #liability #insurance, #business #insurance, #theft #insurance, #motor #insurance, #corporate #insurance, #insurance #policies, #insurance #market, #insurance #premiums, #insurance #claims, #financial #service #providers


Short Term Insurance South Africa

Chadwicks Risk Insurance Brokers (Pty) Ltd in Cape Town are independent South African short term insurance intermediaries who specialise in risk treatment and insurance solutions. We guide our clients in analysing their risk exposures, highlighting both the insured and uninsured risks. The result? Clients purchase insurance with total peace of mind, which in turn enables them to concentrate on what they do best – their business.

Mission Statement

Chadwicks aim to position themselves, in the minds of South African business, as a professional short term broker of exceptional quality. To be achieved through sustained operational excellence, underpinned by expert risk analysis, top class personalised service, motivated staff, solid insurer partnerships and an ongoing quest to master insurance processes.

Short Term Insurance Available

The short term Insurance Risk Management Division of Chadwicks specialises in all insurable financial losses, particularly:

Access to the whole South African Insurance Market

We have access to the entire South African short term insurance market, including Lloyds. With the full insurance market available to you, Chadwicks Risk Insurance Brokers place insurance policies designed specifically for you with insurers who understand the risks associated with your business. This ultimately leads to optimum insurance premiums and, even more importantly, no unpleasant surprises at claim stage.

Long-term Insurance Partnerships

At Chadwicks Risk Insurance, we strive to build long-term client partnerships based on professionalism and integrity. We believe that a successful insurance transaction is underpinned by excellent personal client relationships and, in the final analysis, is about the prompt and fair settlement of insurance claims.

Contact Us for Quality Insurance

Please take a moment to view the Chadwicks Risk Insurance Brokers’ website for short term insurance in South Africa. We hope to have the opportunity of presenting our full array of products and services to you (should you not already be a Chadwicks client).

High Risk Merchant Accounts With Instant Approvals #high #risk #merchant #accounts #with #instant #approvals.instant #approval #merchant #accounts,high #risk #merchant #accounts


High Risk Merchant Accounts With Instant Approvals

Instant Approval Merchant Accounts

At First American Merchant we have been helping merchants with credit card processing services for over 10 years. Our belief is that not every processor is right for every business and that it s clearly NOT a level playing field in the merchant services industry.

Instant Approval Merchant Accounts

Our merchant advisers can help you start accepting credit cards in as little as 24 hours. We have online merchant applications with instant approvals. Call a representative today to learn about the dozens of providers that we represent and see what credit card processing company is the best fit for your business. We can compare merchant account rates with you, answer questions about customer service, Interchange rates and more.

High Risk Merchant Accounts and High Risk Credit Card Processing

At First American Merchant we specialize in high risk credit card processing and high risk merchant accounts. We work with virtually every business type and any credit situation. Below are just a few of the business types we work with, we can approve merchant accounts for the below accounts in as little as 48 hours.


Fill out the form to the right or call 1-800-210-5649 now to get started!

Risk Manager – Administrative and Information Managers – Health Care Team – ECHO Resources #risk #management #healthcare


Risk Manager
  • Responsible for loss prevention and reduction (clinical and non-clinical), claims management, risk financing, patient safety, and regulatory and accreditation compliance.
  • Develops and enforces risk management program plans, and enacts the changes in clinical practice, policy and procedure, and employee/medical staff behavior to preserve the organizations assets, reputation, and quality care.
  • Must communicate effectively, negotiate, remain objective, maintain confidentiality, organize, and prioritize issues.
  • Generally not engaged in direct patient care, but may provide support to a patient or family after an adverse event or medical error.

Who is a Risk Manager?

A health care Risk Manager develops and enforces a risk management program plan and enacts the changes in clinical practice, policy and procedure, and employee and medical staff behavior necessary to fulfill that plan. The purpose of the plan is to preserve the assets, reputation, and quality of care of an organization through a process that identifies and reduces or eliminates the risk of loss.

What does a Risk Manager do?

Risk management is defined as the process of making and carrying out decisions that will assist in the prevention of adverse consequences and minimize the adverse effects of accidental losses upon an organization. The risk management program is designed to identify, assess, prevent, and control losses that can arise from employee work-related injury, liability, property, regulatory compliance, and other loss exposures.It also encompasses the evaluation and monitoring of clinical practice to recognize and prevent patient injury.

The roles and responsibilities of Risk Managers vary widely. The Risk Manager s functional areas of responsibility include loss prevention and reduction (clinical and non-clinical), claims management, risk financing, patient safety, and regulatory and accreditation compliance. Risk Managers work in a variety of health care settings, including acute care medical centers, integrated delivery systems, academic medical centers, behavioral care (substance abuse, mental health), ambulatory care, long-term care, and the insurance industry. Risk Managers are responsible for coordinating risk management activities with the medical staff, managers, and employees at all levels of the organization. This includes fostering an awareness of risk management practices and techniques through education and communication among senior management and the governing body, medical staff members, and employees at all levels.

What education, training, and experience must one have to function as a Risk Manager?

To be successful, Risk Managers must develop a variety of skills necessary for performing a difficult job in a complex environment. A Risk Manager is someone who can communicate effectively (verbally and in writing), negotiate, remain objective, maintain confidentiality, organize, and prioritize.

Education and training vary for Risk Managers, in part because of the way in which the profession has evolved. The professional and educational backgrounds of Risk Managers include nursing, law, administration, quality assurance, and insurance. Risk Managers may hold a bachelor s degree, a master s degree, or a juris doctor. They often have clinical training as a registered nurse. Other clinical training backgrounds include social work, medical technology, physician, physical or respiratory therapy, and pharmacy.

How and by whom is a Risk Manager supervised?

A Risk Manager may report to the chief executive officer, senior officer/vice president, director of risk management, or director of quality. The reporting relationship varies depending upon the Risk Manager s position in the organizational hierarchy.

What are the typical day-to-day activities of a Risk Manager?

A Risk Manager must deal with sensitive and confidential information that directly affects the organization s public image and financial status. These activities may include:

  • managing claims against the organization
  • communicating with defense legal counsel
  • managing and analyzing risk management data
  • conducting risk management educational programs
  • triaging complaints and claims related to professional and general liability
  • coordinating insurance coverage and risk financing
  • complying with risk management standards established by The Joint Commission and other accrediting and regulatory agencies

The objective always is to enhance patient safety while promoting quality care.

Must a Risk Manager be licensed or certified to function in his or her role as part of a health care team?

Licensure requirements for Risk Managers vary by state. Risk Managers should be aware of and understand the state-specific statutes and regulations that govern their work environments. Professional designations held by a Risk Manager may include:

  • Certified Professional in Healthcare Risk Management (CPHRM)
  • Associate in Risk Management (ARM)
  • Certified Professional in Healthcare Quality (CPHQ)

What types of patients would benefit from the care of a Risk Manager?

Though Risk Managers are not engaged in patient care, any type of patient who has experienced an adverse event or medical error may have this information disclosed by a Risk Manager. Disclosure is defined as the communication of information regarding the results of a diagnostic test, medical treatment, or surgical intervention.

How and when does a Risk Manager become involved in the care of a patient?

Generally, Risk Managers are not directly engaged in patient care. A Risk Manager may provide support to a patient or family, as well as members of the health care team, after an adverse event or medical error. They may also provide support when there are concerns involving the quality of care rendered to a patient or general patient safety concerns. Such support may include facilitating effective communication between the patient/family and other members of the health care team relative to the disclosure of the event. Risk Managers may assist with making an apology, managing patient and family emotions, and dispute resolution.

Residents should contact a Risk Manager (and their attending physician ) whenever there is an adverse patient care outcome as a result of an error in management, or even when the patient or family express concern that an error may have occurred.

Professional organizations for Risk Managers:

Contributed by:
Joe Pixler, American Society for Healthcare Risk Management

College Savings Calculator #investment #products, #investment #types, #investment #risk, #investment #strategies

Knowledge Center

College Savings Calculator

Not a recommendation. Any specific securities, or types of securities, used as examples are for demonstration purposes only. None of the information provided should be considered a recommendation or solicitation to invest in, or liquidate, a particular security or type of security or account.

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Unauthorized access is prohibited.

Scottrade, Inc. and Scottrade Bank are separate but affiliated companies and are wholly owned subsidiaries of Scottrade Financial Services, Inc. Brokerage products and services offered by Scottrade, Inc. – Member FINRA and SIPC. Deposit products and services offered by Scottrade Bank, Member FDIC .

Brokerage products are not insured by the FDIC — are not deposits or other obligations of the bank and are not guaranteed by the bank — are subject to investment risks, including possible loss of the principal invested.

All investing involves risk. The value of your investment may fluctuate over time, and you may gain or lose money.

Online market and limit stock trades are just $6.95 for stocks priced $1 and above. Additional charges may apply for stocks priced under $1, mutual fund and option transactions. Detailed information on our fees can be found in the Explanation of Fees (PDF).

You must have $500 in equity in an Individual, Joint, Trust, IRA, Roth IRA, or SEP IRA account with Scottrade to be eligible for a Scottrade Bank® account. In this instance, equity is defined as Total Brokerage Account Value minus Recent Brokerage Deposits on Hold.

The performance data quoted represents past performance. Past performance does not guarantee future results. The research, tools and information provided will not include every security available to the public. Although the sources of the research tools provided on this website are believed to be reliable, Scottrade makes no warranty with respect to the contents, accuracy, completeness, timeliness, suitability or reliability of the information. Information on this website is for informational use only and should not be considered investment advice or recommendation to invest.

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Options involve risk and are not suitable for all investors. Detailed information on our policies and the risks associated with options can be found in the Scottrade ® Options Application and Agreement. Brokerage Account Agreement. by downloading the Characteristics and Risks of Standardized Options and Supplements (PDF) from The Options Clearing Corporation, or by requesting a copy by contacting Scottrade. Supporting documentation for any claims will be supplied upon request. Consult with your tax advisor for information on how taxes may affect the outcome of these strategies. Keep in mind, profit will be reduced or loss worsened, as applicable, by the deduction of commissions and fees.

Market volatility, volume and system availability may impact account access and trade execution.

Keep in mind that while diversification may help spread risk, it does not assure a profit, or protect against loss, in a down market.

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Cyberespionage and ransomware attacks are on the increase warns the Verizon 2017 Data Breach Investigations Report #security, #cybercrime, #cybersecurity, #government, #enterprise, #risk, #data, #espionage, #ransomware, #breaches


Cyberespionage and ransomware attacks are on the increase warns the Verizon 2017 Data Breach Investigations Report

NEW YORK – Cyberespionage is now the most common type of attack seen in manufacturing, the public sector and now education, warns the Verizon 2017 Data Breach Investigations Report. Much of this is due to the high proliferation of propriety research, prototypes and confidential personal data, which are hot-ticket items for cybercriminals. Nearly 2,000 breaches were analyzed in this year’s report and more than 300 were espionage-related, many of which started life as phishing emails.

In addition, organized criminal groups escalated their use of ransomware to extort money from victims: this year’s report sees a 50 percent increase in ransomware attacks compared to last year. Despite this increase and the related media coverage surrounding the use of ransomware, many organizations still rely on out-of-date security solutions and aren’t investing in security precautions. In essence, they’re opting to pay a ransom demand rather than to invest in security services that could mitigate against a cyberattack.

“Insights provided in the DBIR are leveling the cybersecurity playing field,” said George Fischer, president of Verizon Enterprise Solutions. “Our data is giving governments and organizations the information they need to anticipate cyberattacks and more effectively mitigate cyber-risk. By analyzing data from our own security team and that of other leading security practitioners from around the world, we’re able to offer valuable intelligence that can be used to transform an organization’s risk profile.”

This year’s DBIR – the keystone report’s 10 th anniversary edition – combines up-to-date analysis of the biggest issues in cybersecurity with key industry-specific insights, putting security squarely on the business agenda. Major findings include:

  • Malware is big business. Fifty-one (51) percent of data breaches analyzed involved malware. Ransomware rose to the fifth most common specific malware variety. Ransomware – using technology to extort money from victims – saw a 50 percent increase from last year’s report, and a huge jump from the 2014 DBIR where it ranked 22 in the types of malware used.
  • Phishing is still a go-to technique. In the 2016 DBIR, Verizon flagged the growing use of phishing techniques linked to software installation on a user’s device. In this year’s report, 95 percent of phishing attacks follow this process. Forty-three percent of data breaches utilized phishing, and the method is used in both cyber-espionage and financially motivated attacks.
  • Pretexting is on the rise. Pretexting is another tactic on the increase, and the 2017 DBIR showed that it is predominantly targeted at financial department employees – the ones who hold the keys to money transfers. Email was the top communication vector, accounting for 88 percent of financial pretexting incidents, with phone communications in second place with just under 10 percent.
  • Smaller organizations are also a target: Sixty-one (61) percent of victims analyzed were businesses with fewer than 1,000 employees.

“Cyber-attacks targeting the human factor are still a major issue,” says Bryan Sartin, executive director, Global Security Services, Verizon Enterprise Solutions. “Cybercriminals concentrate on four key drivers of human behavior to encourage individuals to disclose information: eagerness, distraction, curiosity and uncertainty. And as our report shows, it is working, with a significant increase in both phishing and pretexting this year.”

Business sector insights give real-life customer intelligence

This year’s report provides tailored insights for key business sectors, revealing specific challenges faced by different verticals, and also answering the “who? what? why? and how?” for each. Key sector-specific findings include:

  • The top three industries for data breaches are financial services (24 percent); healthcare (15 percent) and the public sector (12 percent).
  • Companies in the manufacturing industry are the most common targets for email-based malware.
  • Sixty-eight (68) percent of healthcare threat actors are internal to the organization.

“The cybercrime data for each industry varies dramatically,” comments Sartin. “It is only by understanding the fundamental workings of each vertical that you can appreciate the cybersecurity challenges they face and recommend appropriate actions.”

The most authoritative data-driven cybersecurity report around

Now in its tenth year, the “Verizon 2017 Data Breach Investigations Report ” leverages the collective data from 65 organizations across the world. This year’s report includes analysis on 42,068 incidents and 1,935 breaches from 84 countries. The DBIR series continues to be the most data-driven security publication with the largest amount of data sources combining towards a common goal – slicing through the fear, uncertainty and doubt around cybercrime.

“We started the DBIR series with one main contributor – ourselves,” comments Sartin. “Our vision is to unite industries with the end goal of confronting cybercrime head-on– and we are achieving this. The success of the DBIR series is thanks to our contributors who support us year after year. Together we have broken down the barriers that used to surround cybercrime – developing trust and credibility. No organisation has to stand in silence against cybercrime – the knowledge is out there to be shared.”

Get the basics in place

With 81 percent of hacking-related breaches leveraging either stolen passwords and/or weak or guessable passwords, getting the basics right is as important as ever before. Some recommendations for organizations and individuals alike include:

  1. Stay vigilant – log files and change management systems can give you early warning of a breach.
  2. Make people your first line of defense – train staff to spot the warning signs.
  3. Keep data on a “need to know” basis – only employees that need access to systems to do their jobs should have it.
  4. Patch promptly – this could guard against many attacks.
  5. Encrypt sensitive data – make your data next to useless if it is stolen.
  6. Use two-factor authentication – this can limit the damage that can be done with lost or stolen credentials.
  7. Don’t forget physical security – not all data theft happens online.

“Our report demonstrates that there is no such thing as an impenetrable system, but doing the basics well makes a real difference. Often, even a basic defense will deter cybercriminals who will move on to look for an easier target,” concludes Sartin.

Verizon delivers unparalleled managed security services

Verizon is a leader in delivering global managed security solutions to enterprises in the financial services, retail, government, technology, healthcare, manufacturing, and energy and transportation sectors. Verizon combines powerful intelligence and analytics with an expansive breadth of professional and managed services, including customizable advanced security operations and managed threat protection services, next-generation commercial technology monitoring and analytics, threat intel and response service and forensics investigations and identity management. Verizon brings the strength and expert knowledge of more than 550 consultants across the globe to proactively reduce security threats and lower information risks to organizations.

It project management services #project #and #program #management, #resources, #articles, #templates, #best #practices, #tools, #methodologies, #application #development #methodology, #package #selection, #business #intelligence #tools, #deliverable #templates, #information #technology #planning, #knowledge #management #processes, #crm #applications, #cost #benefit #analysis, #portfolio #management, #risk #management #programs, #systems #development, #information #engineering, #project #office, #roi, #pmo, #it #white #papers, #scope #management, #issue #tracking, #gantthead, #ganthead, #business #case, #customer #relationship #management, #microsft #project, #ms #project, #program #management #office


Knowledge Shelf

by David Shaw, PMP June 1, 2017

Cloud computing and services are central to digital transformation. The cloud improves an organization’s agility to rapidly roll out new IT solutions to meet business needs. The cloud by its fundamental nature reflects an adaptive (agile or value-driven) approach to delivering products or services. How does that fit into the usual five-gate phases in IT project governance?


by Barbee Davis, MA, PHR, PMP, PMI-ACP, PMI-PBA May 30, 2017

Question: Okay, I’m not proud of how this project ended, but management is blaming me…me! There were lots of moving people and parts to this one, and we knew from the beginning it would be a challenge. But how do I react to the accusations? I want to be sure no one goes away thinking it was my fault, because I don’t think it is. What do I say so that the proper culprits will be blamed and my reputation comes out unscathed?

from Be Agile in all type and aspect of projects, risk construction. posted by Vincent Guerard on June 02, 2017

Project manager needs to make a decision. Some are more difficult than others. Many are not clearly understood. When to say yes? When to say no? And when to change the initial choice? See this a.

from Change, Agility and the Elusive ‘Typical Project’ posted by Julia Shumulinsky on June 02, 2017

It was the best of projects, it was the worst of projects, it was the age of empowerment, it was the age of hierarchy I had better stop before Charles Dickens* gets annoyed with me. Imagine.

from Emerging Technologies posted by Kevin Coleman on June 01, 2017

An interesting question has come up and I thought I would share. Non-attribution of course! Here it is. Did the Police Department in FL violate HIPAA when they disclosed (video.

from Project Management Central posted by Tam Nguyen on June 02, 2017

Can someone explain what is the meaning of Scrum Artifact.

from PM Network posted by Dan Goldfischer on June 02, 2017

We are in a disruptive era. A new era calls for new leaders leaders who are fast, informed and decisive. Are you one of those leaders, or do you aspire to be? June s PM Network, with its a.

from Project Management Central posted by Ed Tsyitee Jr on June 03, 2017

As job seeker, I have been noticing lately a lot of job descriptions for project coordinators. This a great thing, but upon further reading, it is more of an Administration/Executive Assistant role.

from Project Management Central posted by George Lewis on March 01, 2017

What’s The Difference Between Scrum & Kanban.

from Project Management Central posted by Tam Nguyen on June 04, 2017

Can someone explain what is the meaning of Project Scope.

Help Shape The Practice Standard for Work Breakdown Structure

by PMI June 2, 2017

The Practice Standard for Work Breakdown Structure was updated in 2006 and reaffirmed in 2011. Plans are now underway to update the practice standard to the third edition. If you have experience in work breakdown structure, you are invited to apply now for a seat on this committee.

by Brandon Evans June 1, 2017

As more organizations become agile, clear, real-time communication becomes increasingly important. Here are a few tips to keep in mind to ensure your communication remains effective a new fast-paced environment.

by David Shaw, PMP June 1, 2017

Cloud computing and services are central to digital transformation. The cloud improves an organization’s agility to rapidly roll out new IT solutions to meet business needs. The cloud by its fundamental nature reflects an adaptive (agile or value-driven) approach to delivering products or services. How does that fit into the usual five-gate phases in IT project governance?

by Alexis Devenin June 1, 2017

This is an exploration of the importance of first-cost estimates in engineering projects and how they are used to decide whether to go ahead with market studies and engineering development—or dismiss the project.

by Nima Bahrehdar June 1, 2017

The easiest solution is not always the best. It is more effective if you choose the best methodology for each single project based on its nature. Scrum doesn’t fit all projects’ needs. Kanban is another agile methodology that, believe it or not, works more smoothly for at least one type of project. But what type?

by Mark Mullaly, Ph.D. PMP May 30, 2017

As we are becoming more (excruciatingly?) aware, we live in a world of increased complexity. But just what does that mean, exactly? And in particular, what does it mean in the context of our projects?

by Greg Lewis May 30, 2017

Some baseline calculations become much more intricate when dealing with large projects, especially when fielding new technologies. But at the end of the day, the premise is the same. Is our project within scope, on schedule and within budgeted costs?

by Paul Visser May 30, 2017

We generally talk about managing projects that were sold to our customers. But how about the management of a presales project? Is that just like managing any other project? Do we have the same constraints? Is it less stressful?

by Patrick McBane

May 03, 2017 | 62:21 | Views: 3,350 | PDUs: 1.00 | Rating: 5.82 / 7

If you have influence with at least one person – that makes you a leader. Becoming the leader you want to be is part of what we will look at during this session. We’ll supply the tools to establish, elevate, and sustain your leadership strategy as the #1 business priority and make it the #1 employee benefit in your organization. A culture of leadership does both.

by Luis Alberto Caceres Villota

May 03, 2017 | 60:35 | Views: 2,040 | PDUs: 1.00 | Rating: 4.84 / 7

In this webinar, the author applies concepts of strategic planning, change management and soft skills development, to provide a practical approach to increase PMO’s value, helping to change perceptions such as “being a process cop”, to create a culture where the stakeholders understand the value of the project management and become evangelists of the best practices.

High Risk Auto Insurance In New York – Insurance For High Risk Drivers #auto #speakers

#high risk auto insurance

High Risk Driver Insurance

New York is a dangerous place to drive. Our high population and busy roadways make driving a nightmare for some. It is no wonder that the state of New York constantly ranks as one of the most accident-prone states and also one of the highest states to insure your vehicle. If you have been made one of these accident or traffic violation statistics one too many times, you may now be considered a “high risk driver” to insurance companies. And if you are a high risk driver, then you probably know about how difficult it is for you to purchase insurance!

The reason why automobile insurers classify drivers into categories such as “high risk” and “low risk” is because they want to know how likely it is that they will make a claim. Car insurance companies in New York like insuring drivers with good driving records who pay their bills on time and never file claims. To them, these type of drivers are much less of a headache and cost less money.

Let s take a deeper look into high risk auto insurance in the state of New York.  Choose the topic you would like to read about below, or continue scrolling down to read about auto insurance for high risk drivers from the beginning!

Are you a high risk driver in New York? Continue reading below to see which auto insurance options are available to you.

Buying High Risk Auto Insurance In New York

If you have gotten into a bunch of accidents that are your fault, if you were convicted of a DUI or reckless driving, or if you have a lot of speeding tickets, however, insurance companies will not be too thrilled to accept your business. But that does not mean that insurance will be impossible for you to come by. Many insurance companies will still happily accept you as a customer (albeit usually for an expensive rate).

The first step in finding an insurance company that will accept your business is to scroll up to the top of this page and enter your zip code to get quotes from different New York auto insurance companies. By doing so, you will compare rates for high risk auto insurance from many different competitors so that you can choose the cheapest rate possible for yourself.

Unfortunately, for some New York residents, however, the average insurance company will still refuse to offer you coverage. Thankfully, as a New Yorker, there are still a bunch of options for you. Continue reading below to learn about them.

The New York Automobile Insurance Plan

If you are deemed to be too “high risk” that no other auto insurance company wants you, there is still hope. The New York Automobile Insurance Plan (NYAIP) will cover you. The NYAIP is a special insurance department in New York state that guarantees insurance coverage. Think of it as a “last resort” insurance plan for motorists who have been denied coverage due to too many accidents or traffic violations. If this sounds like yourself, you might want to give the NYAIP a call.

Be forewarned, however, getting insurance from the NYAIP should be a last-ditch effort. The coverage offered by the NYAIP is sub-par and is more expensive than the average rates. In 2012, the average NYAIP premium was listed at $2,283. It is basically a program to make sure that high risk drivers are given the option of having insurance so that they do not create an even bigger legal mess if they are forced to drive without it. As of this year, records show that over 90,000 New York residents get insurance through NYAIP.

How Can I Get Out Of The High Risk Pool?

If you do not want to be deemed as a “high risk driver,” as you obviously should, you should follow some simple steps.

  • Don t get traffic tickets or violations
  • Don t get into accidents

These things are probably pretty obvious to you. Safe driving leads to lower insurance rates. If you already made one too many mistakes, however, and you are considered to be a high-risk to insurance companies, how do you get out of it? How do you clear your good name?

Let s take a look at some of these methods:

  1. Complete safe-driving or drivers-ed courses. You might thing that these classes are for 16 year old kids, but adults can re-take these courses to get points removed from their driving record and be put back into the good graces of insurance companies.
  2. Contest old traffic violations in court. If you believe you were unfairly charged with something, go back to court and fight it. Sometimes, even if the court does not support your claim, the judge might be nice and remove it from your driving record just for showing up in court!
  3. Apply for the “Point and Insurance Reduction Program” (PIRP). One of the many perks of being a New York resident is the many government services we have at our disposal. The PIRP is a government sponsored defensive driving class that you can take online. After enrolling at completion, you will receive a 10% discount on your auto insurance rates and get up to four points off of your New York driving record.

Additional Resources

  • If you are required to fill out an SR22 form (as many high risk drivers need), please view our guide on SR22 Insurance In New York .
  • If your high risk auto insurance premiums are too high, check out our list of tips for lowering your insurance costs in the state of New York. Perhaps you can find some of those tips useful.

High Risk Auto Insurance, Best Car Insurance Online #infinity #autos

#high risk auto insurance

High Risk Auto Insurance

What is High-Risk Auto Insurance?

Many people have driving records that are less than perfect. High-risk insurance, or more commonly called “Non-Standard” insurance, refers to an auto insurance policy that is given to a high-risk driver, which means you will pay higher car insurance premiums.

Some auto insurance companies only insure drivers with spotless driving records, but there are other companies that offer high-risk insurance. You just need to know where to find them. And if you’ve had your license suspended or revoked and require an SR-22 policy for reinstatement, you’ll want to shop around to find the best rate with a reputable company.

What is an SR-22?

An SR-22 is not an insurance policy; it’s simply a financial responsibility form proving that you have insurance coverage. The SR-22 is filed with your state by your insurance company and certifies that you carry the minimum liability coverage on your car insurance policy. If you do not own a motor vehicle, you must purchase “non-owners” liability coverage. If you’re not currently insured, this could cause your driving privileges to be revoked. The Department of Motor Vehicles in your state will notify you if you require an SR-22 policy.

Your driving record will determine if you need high-risk car insurance. For example, if you ve been convicted of driving under the influence of drugs or alcohol or have multiple speeding tickets, you may be placed in a high risk category, requiring special high-risk auto insurance. Your recent driving record history is the most important factor taken into account. Any accidents or tickets you’ve had in the last 12 months will count more than an incident from several years ago. This can make it difficult for you to find affordable auto insurance, since many insurance companies refuse to take the risk.

What if you are in a high-risk group for car insurance?

So what can you do if you re in a high-risk group for car insurance ?

First, get a free online car insurance quote to get an idea of what your premium might be, based on your driving record and other factors.

Even if you need high-risk auto insurance or are looking for affordable teen car insurance. here are some things you can do that may lower your cost:

  • Take a defensive driving course. Check with an Agent for approved courses.
  • Trade in your car for a model with a better safety record or more safety features.
  • Follow all traffic laws. Going three years without a ticket may result in a decrease in your rate.
  • Drive defensively. Significant discounts are available if you can stay accident-free for three years.

Talk to an agent or get a free online car insurance quote to find out what InsureOne can do for you. We will find you the best deal because we do all the research. We work with the established, major low-cost insurance companies to find you the best coverage at the best price.

Call us today and see how much you can save on your high-risk auto insurance.