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Coalition
Against Insurance Fraud: Lemons or lemonade?

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Coalition
Against Insurance Fraud: Lemons or lemonade?

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First P2P insurer says it will slash fraud costs

Do insurance consumers have a thirst to buy policies using their smartphones? Will they be less fraud-prone knowing some of their excess premiums get donated to charity? And will the prospects of quick claim cash motivate them to switch carriers?

One new insurance startup is betting yes, offering to quench that thirst.

Lemonade, the first so-called peer-to-peer insurance company, debuted this week to much fanfare.

Started by technology entrepreneurs, the company is targeting smartphone users by offering ease-of-service transitions and cheap prices on homeowners and renters coverage.

Lemonade says most insurance “sucks” (their words) because insurers hassle claimants, are bloated and make too much profit. And thus, claimants are more likely to file inflated or fake claims.

The company says it will undercut traditional insurers by using streamlined, tech-oriented transactions and reduced fraud costs. In an interview this week, Lemonade president Shai Wininger said:

“With insurance, over 90 percent of the fraud is perpetrated by supposedly normal upstanding citizens like you and me. So what is about insurance that brings out the devil in us? Why is it that when it comes to insurance, we feel entitled to break the law?”

Research suggests consumers are less likely to defraud a company they feel good about. Customers designate a favorite charity to receive their share of company profits at the end of the year, if there are any.

Call me skeptical, but I doubt Lemonade’s approach will make that much difference in policy pricing.

Still, Millennials who love transacting business on their cellphones and are socially conscious should be drawn to this model. It will be interesting to see if Lemonade has a magic formula to reduce fraud. We’ll be watching to see if this new player leaves a sweet or sour taste in the mouths of its customers.

About the author: Dennis Jay is executive director of the Coalition Against Insurance Fraud.

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BRINGING POSITIVE CHANGE

Every year on September 11th, in conjunction with the Cantor Fitzgerald Relief Fund, we remember our 658 friends and colleagues and the 61 Eurobrokers employees who were tragically killed by distributing 100% of our global revenues to the Relief Fund and many other charities around the world.

BGC Partners and Cantor Fitzgerald, in conjunction with the Cantor Fitzgerald Relief Fund, commemorate our 658 friends and colleagues and 61 Eurobrokers employees, who perished on September 11, 2001 by distributing 100% of our global revenues on Charity Day to the Cantor Fitzgerald Relief Fund and dozens of charities around the world.

Since its inception, Charity Day has raised approximately $125 million globally. Each anniversary is a poignant occasion for us. Charity Day is our way of turning a tragic day into one that is positive and uplifting by helping others.

Charity Day 2015 was held on Friday, September 11, 2015 and raised approximately $12 million.

Charity Day 2016 will take place on Monday, September 12, 2016. To apply for Charity Day 2016 in NYC, email charityday-ny@bgcpartners.com and request an application.

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Cambridge
Associates: How can we align our social values with our investing strategy?

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Cambridge
Associates: How can we align our social values with our investing strategy?

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Whether you’re a charitable foundation looking to have a direct impact on community programs or a family eager to make investments that align with your personal priorities, you need to consider a few things. How will you define success? What impact will these investments have on the overall risk/return profile of your portfolio? How can you measure the non-financial accomplishments of these investments? Will there be additional resources or Committee time to address MRI-related issues?

Our MRI team of 25 professionals provides research and services that encompass a broad range of strategies, such as positive and negative portfolio screening, microfinance, clean energy and technology, community investments, real assets, bespoke and illiquid impact investments, and program-related investments. And our databases track more than 450 funds that meet various MRI criteria.

We’re spearheading MRI manager due diligence and analysis, creating an infrastructure for the inclusion of MRI managers in our proprietary databases, and publishing research on a variety of MRI topics. Whether you are debating the topic for the first time or you have already adopted a commitment to MRI, we can help you navigate the many policy questions and investment decisions you need to make.

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Howard Marans MD: Dealing with All Kinds of Arthritis Conditions

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Howard Marans MD: Dealing with All Kinds of Arthritis Conditions

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The healing profession has never ceased to amaze in the way it keeps up-to-date in providing solutions to diseases or ailments that have beset many generations since time immemorial. Today, we can somehow say that, barring a few unsolved medical issues, treating most of humanity's previously dreaded diseases has been meticulously researched and all but practically made into routine procedures that any doctor can administer the proper diagnosis and provide the right prescription to benefit majority of patients.

Arthritis has been one of the most enduring problems faced by adults for centuries. This condition refers simply to “inflammation of a joint, or a place at which two or more bones meet”. Most common of all kinds of arthritis are osteoarthritis, post-traumatic arthritis, and rheumatoid arthritis. Dr. Howard Marans manages many arthritis cases non-surgically, allowing most people with the condition to enjoy happy normal full lives unhampered by this condition.

But beyond the modern technical aspect of medical practice Dr. Howard Marans and his staff have set as their mission to treat all their patients promptly and in a professional manner. Accurate diagnosis involves a comprehensive evaluation of treatment alternatives and their possible results leading to the implementation of the chosen treatment options whether it involves surgery or not. Dr. Marans has spent two decades helping his patients achieve their medical needs in trying to fulfill his mission with diligence and commitment.

Although some cases of arthritis require surgery, Dr. Howard Marans opts for non-surgical procedures in most arthritis cases in order to avoid certain risks and to minimize medical costs. Some of the treatments utilized in these non-surgical procedures include physical therapy (muscle-strengthening exercises), change in lifestyle (for example, avoiding high-impact activities), weight loss (as little as 10% reduction can relieve symptoms), and injection of steroids to reduce inflammation.

This common ailment may afflict many people today; nevertheless, medical treatment is always available as long as we know where to look for it. Dr. Howard Marans has the wide experience to help patients find the relief they seek.

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Howard Marans MD: Best Reviewed Orthopedic
Surgeons Near Tustin, California

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Howard Marans MD: Best Reviewed Orthopedic
Surgeons Near Tustin, California

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Dr. Howard Marans MD – Surgery of any kind can be a major decision. The way to feel confident about the decision is to find the best surgeon possible to aid in the health care treatment of the diseased or injured area. Finding the right orthopedic surgeon near Tustin can be a step toward returning to normal activities. The search should begin with research on the surgeons in the area.

Referrals

The best way to find the right orthopedic surgeon near Tustin is to ask for referrals from a variety of sources.

The best referrals can come from your primary care physician or health care provider. Your doctor understands your medical history and can make a sound recommendation.

Consider finding a surgeon within your current insurance provider’s network. Finding an orthopedic surgeon near Tustin within the insurance provider’s network will reduce your out of pocket expenses.

Consult with family, friends, and neighbors. Usually, everyone knows a person who has needed an orthopedic surgeon at some point. When a highly qualified surgeon’s name comes up in more than one conversation, consider contacting the orthopedic specialist.

Check online resources. The American Academy of Orthopedic Surgeons is a great resource to utilize. The database provides lists of qualified surgeons within specific geographical areas.

Surgeon’s Qualifications

Online reviews, databases, and websites allow a potential patient to check each surgeon’s qualifications and credentials.

Online resources allow for review of the surgeon’s education, medical degrees, credentials, and any specialized training. Checking the information can help provide peace of mind to the patient.

When picking out an orthopedic surgeon near Tustin, consider the number of years in the practice. An orthopedic surgeon who has been in the same area for a number of years will have an established consistent practice.

Time to Meet the Surgeon

After the compiling a list of qualified orthopedic surgeons near Tustin, start scheduling consultations. The face to face consultation can often be the biggest contributing factor when choosing a surgeon. As a potential patient, feeling comfortable with the surgeon and the staff is a priority for optimal health care.

Before the appointment, make a detailed list of medical history, pain level, and any questions that pertain to the surgery.

Ask questions about the surgeon’s experience with similar cases.

Get a detailed timeline of the surgery, follow up care, physical therapy, and recovery.

Discuss any pre-existing conditions that may affect the surgery. Diabetes or a trauma to the area may have specific impact on the healing process.

Best Reviewed Orthopedic Surgeon, Tustin, CA

The decision to move forward with an orthopedic surgeon should be made confidently. The right surgeon can make all the difference throughout the treatment and recovery process. Finding the right orthopedic surgeon near Tustin is just a phone call away. Dr. Howard Marans has decades of experience treating patients with a wide variety of injuries and conditions. He would be happy to meet with you to discuss your treatment process. Please click below to schedule your consultation or call us at 714.979.8981.

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Meir Ezra Blog: Are You Ready
To Conquer The Money Maze?

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Meir Ezra Blog: Are You Ready
To Conquer The Money Maze?

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Meir Ezra - Are You Controlling Money or Is Money Controlling You?

Signs Money Is Controlling You:

·  You often wish you could buy more things

·  Your want to get rich, but you have no realistic plan

·  You blame others for your financial problems (government, boss, spouse)

·  You use credit to buy things that decrease in value, such as expensive cars or expensive clothing

·  Money controls your mood - you feel good or bad based on your finances

Signs You Are Controlling Money:

·  You invest in yourself, such as more education or personal improvement

·  You buy things that increase in value

·  You donate to causes you believe in, even if just small amounts

·  Each year, your earning power improves and financial worth increases

·  You use money as a tool to realize your dreams

Once you know how to control money, your life will change!

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History
of Williams Connolly Consulting Group Attorneys

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History
of Williams Connolly Consulting Group Attorneys

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The history and identity of Williams & Connolly LLP are inextricably linked with the life of its founder, Edward Bennett Williams. Recognized as the greatest trial lawyer of his time, he was a spellbinding orator, but also a meticulous cross-examiner - a master in the courtroom, and a craftsman of the written brief. Williams was capable of the calculated theatrical gesture, but he also understood that the key to success in the courtroom was total preparation in advance.

To his colleagues, Williams was larger than life, a force of nature; to the sophisticated world in which he moved, a "giant among men." Although he was a counselor to presidents and the powerful, he was also the champion of unpopular, seemingly "hopeless" causes. In his hands, however, no cause was hopeless.

Williams combined extraordinary gifts of advocacy with a passion for justice. His commitment to excellence in advocacy and to the zealous representation of clients are his enduring legacy.

In 1967, Williams joined with his former student at Georgetown, Paul Connolly, to form Williams & Connolly. The firm set out to practice law the way its partners lived life - passionately. Williams called it "contest living," embracing the competition and fighting relentlessly to win.

The firm has grown steadily over the years. Today it numbers approximately 275 partners and associates. As the firm has grown, it has brought its founder's competitive spirit to bear in an ever-expanding range of battles.

Yes, the defense of individuals in highly publicized controversies - from Oliver North, to President Clinton, to Vice President Cheney - continues to be a major part of the firm's practice. But as time has passed, more and more of the country's major institutions have retained Williams & Connolly. And although the firm remains, first and foremost, a litigation firm, it has added a tax and business capacity that enables the firm to handle a broad range of non-litigation problems - from the representation of media celebrities and political figures to the documentation of significant financial and securities transactions.

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QVF Group Fraud Investigators Civil Risk Management

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QVF Group Fraud Investigators Civil Risk Management

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Meet the Team

Steve Mackle

Steve has worked for over 30 years in the fields of Financial Intelligence, Compliance, Money Laundering and Asset Tracing.

Steve has expertise in financial investigation from both a police service and accountancy practice perspective.

Steve acts as a consultant to the members of the National Housing Federation in relation to money laundering issues and has particular expertise in how money laundering and fraud affects that sector and the Local Government sector.

Barbara Franklin QPM

Barbara has completed over 33 years in the public and private sectors that include environments of organised crime, terrorism and government policy.

Barbara has been at the head of many investigations into Bribery, Corruption, and Misconduct.

She has experience at the highest level in Assessment of Operational Risk Management Processes and Policy.

Barbara has delivered training nationally in Anti Bribery and Corruption and is qualified to teach in the adult learning sector.

Terry McCabe

Terry has over 29 years of investigative experience.

He is a Specialist in Fraud Case management and is a Nationally Trained Fraud Investigator

Terry was also an accredited Financial Investigator  and Asset Confiscator.

His experience also extends to investigating, Public Sector Corruption, Bribery, Electoral Malpractice and Organised Crime.

He has been active within National Working Parties on Identity Theft, Electoral Malpractice and Action Fraud.

Trevor Fordy

Trevor Fordy is a former career detective, having served over 30 of his 34 years police service as a dedicated Investigator with the CID, the force’s Serious Crime Squad, Drug Squad and nationally on the Regional Crime and Regional Drug Squads.

His policing service has included both overt and covert policing tactics, heading up his force’s Inspectorate Department and culminated as a Detective Superintendent spending more than 7 years as a Senior Investigating Officer (SIO) investigating homicide, gangland violence and other serious crime.

William Johnston

Willie Johnston served in the public sector for 30 years with the police force, retiring in the rank of Detective Superintendent in August 2006.

During his police career he represented ACPO(S) on many partnership national working groups and was the Senior Investigating Officer on many high profile serious crime investigations, responsible for managing large teams, presenting to live media, and budget control.

Ian Haigh MITAI LCGI

Ian has 24yrs years experience in Road Traffic enforcement and 15 years as a Forensic Collision Investigator, carrying out complex investigations in all aspects of Road Traffic Collisions.

He is qualified to carry out Forensic reconstructions of collisions and has undertaken hundreds investigations into Fatal, Serious and Complex collisions. He is a qualified mechanical engineer and draughtsman in structural engineering and shipbuilding.