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Bricon Associates PTE LTD: Personal Insurance

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Bricon Associates PTE LTD: Personal Insurance

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Your home, maid, vehicle and travel can be covered by personal Insurance. It is more than just a basic insurance policy. This personal policy covers things like your jewellery, cameras, musical instruments, silverware, art, collectibles, sports equipment, and valuable electronics.

All of those things are very costly and, should something be damaged or stolen, you can end up with quite the financial burden. Personal insurance takes that kind of burden away from you compensating you in the event of damage or theft. That way you can replace any lost items and not end up with a huge expense you could do without. So pick up a personal insurance policy today and protect your home and wallet.

Tenet Personal Insurance

TRAVEL COVERAGE

TRAVELJOY

No excess, no age limit and broad coverage, Travel Joy is your perfect companion for a ‘worry-free’ trip.

PERSONAL ACCIDENT COVERAGE

A fatal accident could happen to the healthiest of us. With our Personal Accident plans you can be assured that there is financial support provided to cope with the unexpected. Select from these 3 fabulous plans:

PAJUNIOR

An ideal Personal Accident package for your little ones providing 24/7 protection, coverage for HFMD & more.

PASTAR

A packaged product with exceptional benefits such as medical expense cover for 13 infectious diseases.

PERSONAL ACCIDENT

Create your own plan with benefits that best meet your needs.

HOMEBLISS

Don’t take any chances when it comes to your most valuable asset. Rest in the assurance of HomeBliss – a complete cover for your home & contents, complete with a 24 by 7 home emergency assistance hotline.

VEHICLE COVERAGE

MOTOR INSURANCE (PRIVATE CAR)

A motor insurance plan with comprehensive range of services to serve your needs. Sign up now for a safer and smoother ride!

Maid Coverage

MAIDEASE

MaidEase helps you to be more than a responsible employer. You and your maid are well covered and protected from mandatory costs and unexpected occurrences.

AXA Personal Insurance

VEHICLE COVERAGE

PERSONAL ACCIDENT

SmartCare Prime

SmartCare Shield

PERSONAL ACCIDENT COVERAGE

HOME & FAMILY

SmartHome Essential

SmartHome Optimum

SmartHome Prestige

TRAVEL COVERAGE

SmartTraveller

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Coalition
Against Insurance Fraud: Dodging auto premiums should be crime

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Coalition
Against Insurance Fraud: Dodging auto premiums should be crime

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Lying about garaging vehicles burdens honest drivers

Summer driving season is in full swing. It’s a reminder that dishonest drivers are illicitly registering their vehicles in states where premiums are lower. The Coalition is calling for states to go after these drivers.

Using out-of-state addresses to insure a car illegally reduces the driver’s auto premiums. It also burden honest insurance consumers who insure their vehicles with their real address. They may pay higher auto premiums thanks to drivers who cheat the system.

North Carolina was the first state to tackle this issue by requiring new insureds to show proof of residence before an insurer could write a policy. Out-of-staters were registering their vehicles in North Carolina for the lower auto premiums.

North Carolina recently went a step further and put more teeth in the existing law. Trucking firms are falsely registering their fleets in the state yet have no operations there. The new law requires businesses to prove they ply the roads in the Tar Heel state.

Falsely registering vehicles in New Jersey is a specific insurance crime.

The Coalition seeks a similar law in New York. Bills have stalled, though we and our partners there are planning to reboot in 2017.

A Maryland bill would’ve let insurers rescind policies of drivers who falsely registered their vehicles in the state. The state held a public meeting. An insurer told about a claimed loss in Maryland by an insured who lived in New York — where the insurer doesn’t write coverage. The insurer paid the claim to avoid a baseless yet potentially costly bad-faith suit.

The statehouse will revisit legislation in 2017.

The Coalition strongly supports targeting auto rate evasion. Tough state laws can remove a driver’s incentive to take the risk.  Consumers who lie about where they drive to lower their auto premiums add burdens to the many thousands of honest drivers. This undermines the integrity of the auto-insurance system.

Fraud fighters have taken the forefront on this issue. Stay alert to auto-premium evasion in your state. Tell the Coalition and your state insurance department. Falsely registering a vehicle should be a ticket to jail, not an easy source of summer spending money.

About the author: Howard Goldblatt is director of government affairs for the Coalition Against Insurance Fraud.

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Coalition
Against Insurance Fraud: Pa. Airbag-Fraud Bill Would Help Knock out Knockoffs

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Coalition
Against Insurance Fraud: Pa. Airbag-Fraud Bill Would Help Knock out Knockoffs

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Coalition urges state Senate passage to protect consumers from shady body shops

Making airbag scams a specific crime in Pennsylvania will save lives and deal a blow to insurance scams, the Coalition Against Insurance Fraud has urged the state senate majority leader.

“Airbags protect us from serious injuries or worse. We rightfully expect they will protect us during crashes. The use of counterfeit or non-functional airbags jeopardizes that expectation,” director of government affairs Howard Goldblatt wrote Sen. Jake Corman.

HB 1476 cleared the state Senate Finance Committee this week, and faces a vote on the full Senate floor. The Coalition urged swift passage.

Motorists face a serious safety peril. Knockoffs generally won’t open properly in a crash. Drivers have died and been injured in crashes involving non-functioning counterfeits or fraudulently removed airbags. Knockoffs also spewed shrapnel and flames at crash dummies in federal tests.

Dishonest body shops can easily buy knockoffs on the black market or mainstream sites such as eBay or Craigslist. Counterfeits cost just a few dollars, though shady body shops charge auto insurers $1,000 or more for legitimate manufacturer originals.

“The ethically challenged repair shop thus pockets a large and illegal profit. This is insurance fraud against the consumer and insurer, helping keep premiums higher for honest drivers in Pennsylvania,” Goldblatt wrote.

Thirteen states have made airbag fraud a specific crime in recent years. HB 1476 would add similar protections for Pennsylvania consumers, Goldbatt wrote.

A Chinese national named Dai Zhensong tried to flood the U.S. with fake airbags made in his factory in China. They looked like legitimate models from mainstream carmakers. His airbags spewed shrapnel onto crash dummies in federal tests.

Thousands of airbags made it to the U.S. Many could’ve been installed on vehicles. Zhensong’s network was dismantled and he received 37 months in federal prison.

“HB 1476 will help protect Pennsylvania consumers from counterfeit airbags and the public-safety problems they pose,” Goldblatt wrote.

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Terms of Use at Anti-fraud Organization Tokyo, Japan

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Terms of Use at Anti-fraud Organization Tokyo, Japan

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Overseas buyers are welcome to search for any Japanese company free of charge. Registration is not required to search for Japanese companies. Feel free to search any Japanese company.

Whilst the vast majority of websites in Japan are of genuine business companies, it is a sad fact that online scams and fraud are alive in Japan, and rest of the world. It is very important to be smart and stay safe by exercising all due precaution and do not become a fraud victim.

If you notice any website which you feel is fictitious or suspicious, please contact this organization with details. In order to keep online shopping clean and safe, your cooperation is highly appreciated.

If you are victim of online fraud in Japan, please inform your case. This Organization has close connection with Japanese police, and all fraud-attempts are immediately reported to Japanese Police Department.

If your searching company is not found in our database record, send inquiry by filling "inquiry form".

For accurate result, please send "as maximum as possible" detail of the Japanese company you are inquiring for.

Search for "JCTO" verified Japanese companies

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Hawkfield
Gallery Fine Arts Consultants: Striking American Art

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Hawkfield
Gallery Fine Arts Consultants: Striking American Art

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The arts and entertainment world have encountered a remarkable upturn with the rise of digital technology. Who could have thought we would all be downloading and listening to audios as well as viewing art pieces online. Due to the rise of technology, piracy has become more rampant especially in music. Yet still, visual arts like paintings and sculptures aren’t easy to replicate or forge.

If you are looking for your new favorite artwork then you are welcome to visit Hawkfield Gallery located on a scenic route in a shore town halfway between Boston and Cape Cod or you can check out their website. Hawkfield Consultants Gallery is dedicated to art lovers and collectors who have an interest in American impressionism, decorative songbirds, wildlife bronzes and shore-bird decoys. They are deeply invested in 20th and 21st century American fine arts and folk arts created by many most talented artists.

The owner of the gallery is Sally Caverly, an art enthusiast who holds a Master’s degree in Education and a B.A degree in Marketing. She has over 25 years of experience collecting and pursuing art. Sally and her art consultants can effectively manage and determine the authenticity and value of a piece of art. With considerable experience in the art world, each staff of Hawkfield strives to ensure that all the necessary details and process of buying and selling art are handled efficiently.

Visit the sites’ gallery section to discover available artworks for sale. Each artwork featured on the site displays the price and relevant details about the piece.

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What to Invest in Singapore - 5 Worst
Types of Financial Advice

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What to Invest in Singapore - 5 Worst
Types of Financial Advice

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You know the problem with financial advice? It’s the people who dispense it: Insurance salesmen, bankers, property agents…most people in position to give good advice also have no motive to do so. They’ve all got an angle of some sort. And short of strapping them in a chair and going at them with a golf club (pick the bankers, it legally counts as pest control) you can seldom get reliable advice. Instead you get dangerous gibberish, like:

1. The Rental Income Will Pay For The Property

This argument suggests property is practically free. You take a home loan,  then rent out the house. The rental income will then cover part (or even all) of the repayments.

Look, if it were that simple, I’d be getting plastered in an Amsterdam nightclub right now, instead of writing this for a living. But I know better.

This advice assumes rental income is consistent. It’s not. Tenants pay late, dispute contract terms, and don’t renew leases. Ask any landlord: Getting tenants to behave is like training cats to execute parade drills. Then there’s the global market: If MNCs implement cutbacks (like now, thanks to the Euro crisis), expatriate tenants start heading home.

It’s true that property is the best investment. But the problem with this advice is presumption: Never assume the rental income will cover the home loan. Always be prepared to upkeep an empty apartment for a few months.

And if you can’t afford loan repayments without rental income, you can’t afford the property.

2. Forex Trading Will Make You Millions

Question: How does an amateur trader make a million dollars on Forex?

Answer: Start with two million.

95% of Forex trading accounts close in the first year. Most dabblers break even; a pitiful few lose everything. Either way, it’s a waste of time and money.

That’s because Forex seldom rewards day traders or dabblers. Don’t get me wrong, it is a viable path to wealth. It’s just not as easy as brokers pretend. Take a look at the typical successful Forex investor:

They start with massive capital (sometimes in the millions), can afford to lose significant sums, and almost always have a career in finance. Moving money around is their full time job. Do you seriously think reading your Dummies Guide to Forex puts you on the same level? That’s like trying to join a PGA tour because Tiger Woods once gave you a golf tip.

In short: If you are the sort of person who could make millions on Forex, you wouldn’t be listening to the broker. The broker would be listening to you.

3. Budget First

Most people only start budgeting once they feel “squeezed”. A common cause is a major purchase (e.g. a car or house). Then these people panic, decide to budget, and find they can contain their expenditures like a haemophiliac can control blood loss.

A better idea is to try to grow your income first, and budget if that fails. For example, say you’re going to buy a car or a house. On your current income, you’ll live about as comfortably as a a pomfret in a desert. Instead of starting a spreadsheet to dictate your purchases for the next five years, focus on finding ways to make more money.

Ask for a raise, find some side-income, change your job. Exhaust every possible avenue of growing your income, before resorting to budgeting. Remember: Earning capacity first, and budgeting second. It should be common sense.

4. Buy Big Company Shares When They Drop

Sometimes this comes from amateur investors. Other times, it comes from market manipulators who are looking to offload garbage.

The idea is that big business is cyclical; when a big company’s shares decline in value, it’s just a matter of time before they go back up again. Because it’s a major corporate establishment, and “it’ll recover for sure”. So buy the shares now, while they’re cheap.

People who cite this advice will invariably mention Apple, and how low Apple shares used to be. Well here’s a counter-example: Kodak. Sometimes, shares go down and stay down. Sometimes, a company’s product is absolutely, irrevocably doomed. There will be no recovery, and the money you put into it is just lost.

“Always buy when low” is a bad assumption all around. If you don’t understand a company, don’t bet on its recovery. Even if it does recover, it could take years for the share value to rise again.

5. You Are Young, You Can Afford To Take More Risks

And being young, you’re also more likely to survive bear attacks. Does that make you more inclined to strap raw steaks to your ass and climb into a polar bear’s cage?

Look, it’s true being younger has advantages. You can take longer loans, you have more working years, and you can live off Maggi Mee for months. But that’s not an accurate form of risk assessment. The amount of money you can lose is based on your income and savings, not on your age (or lack thereof).

In fact, this advice is so bad, sometimes its opposite is true: If you’re a young student with just $5000 in the bank, you can afford to lose less than a 50 year old businessman with accumulated assets. And that’s how you should calculate acceptable risks: Based on the money and assets you have.

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Promenade
Medical Office to Elk Grove - Richard Isaacs MD

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Promenade
Medical Office to Elk Grove - Richard Isaacs MD

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Kaiser health, wellness facility coming to Elk Grove

On June 16, Kaiser Doctors and area leaders broke ground at what will eventually be the new Promenade Medical Office Building in south Elk Grove.

The two-story, 67,000- square-foot Kaiser Permanente facility will be designed to focus on matters affecting patients’ mind, body and soul.

It will feature a 50-meter outdoor sports track that will be part of a 4,000-square-foot Sports Medicine Center where athletes can be evaluated and rehabilitated.

In addition to the sports center, the medical office will also house adult medicine, pediatrics, women’s health, health education, radiology, laboratory and pharmacy services.

The building is scheduled to open in late 2011.

Elk Grove Mayor Sophia Scherman, Vice Mayor Steve Detrick, city council member Pat Hume, Dr. Richard Isaacs, M.D., and Dr. Lisa Liu, M.D., broke ground where the new facility will be built.

“Your presence in Elk Grove means more quality health and wellness for our residents,” Scherman said in a speech before they broke ground.

Dr. Isaacs and Dr. Liu also addressed the crowd.

Liu said the building will be “thoughtfully designed” with soothing colors, local artwork and a coffee bistro inside.

“We’re committed to making our facility a one-stop shop,” she said.

The new office will have a Healthy Living store where members can buy health and wellness equipment.

“We’ve been looking forward to this for quite some time,” Isaacs said. “Driving through the community, we’re aware of the economic impact in this area.”

Liu echoed that statement in her speech, saying, “I’m sure it won’t be long until this facility is surrounded by retail stores and restaurants.”

The building will be adjacent to the vacant Elk Grove Promenade Mall site where construction halted due to developer General Growth Properties undergoing bankruptcy.

When Scherman addressed the crowd, she discussed the unfinished mall behind her. “Although there is no set date, the mall will open,” Scherman said; “hopefully, within two years, it will be completed.”

Kaiser is thinking about the future, Isaacs said.

“We’re really hoping this will stimulate this part of the region,” he said.

In the past 10 years, Kaiser has added 30,000 new area patients. This new facility will be able to accommodate the health needs of current and future members.

Since 1999, Kaiser began phasing out the use of polyvinyl chloride (PVC) plastic in construction and implemented more environmentally friendly construction materials in their building designs.

The Promenade Medical Office Building will be built so that solar energy panels can be added in the future.

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Meir Ezra --- While Grandpa is taking a nap on the couch, his seven-year-old grandson gets some Limburger cheese from the refrigerator and smears it on Grandpa’s mustache.

When grandpa wakes up, he says, "This room stinks!" He goes to another room and says, "This room stinks." After walking throughout the house, he says, "The whole house stinks!"

Grandpa goes outside and takes a deep breath and says, "The whole world stinks!"

Your attitude about life does the same thing.

Examples

1. Your marriage is not going well. You go to a movie and notice how nobody smiles. Couples seem to be bored with each other. The movie’s happy ending seems phony.

2. Someone’s nasty comment at work makes your head feel like exploding with anger. While driving home, everyone seems aggressive and rude. You drive like a dangerous, insane maniac. You think about gun ownership.

3. You watch the news on television for a few hours and feel uneasy. You go outside and look at airplanes as possible threats. You suspect your neighbor might be a bad guy. You jump out of your skin when a kid yells, "Bang!"

4. Your business just made a healthy profit this month. You celebrate at a restaurant where the food tastes great and the waitress is cheerful. When you go outside, the sunset looks glorious. Everyone seems to be smiling.

Why Life Changes

In an article "Is it Possible to Be Happy?" L. Ron Hubbard writes:

"You remember when you were maybe five years old, and you went out in the morning and you looked at the day, and it was a very, very beautiful day, and you looked at the flowers and they were very beautiful flowers.

"Twenty-five years later you get up in the morning, you take a look at the flowers—they are wilted. The day isn’t a happy day.

"Well, what has changed? You know they are the same flowers, it’s the same world, something must have changed.

"Probably it was you."

"Actually, a little child derives all of his pleasure in life from the grace he puts upon life. He waves a magic hand and brings all manner of interesting things into being out in the society. Here is this big, strong brute of a man riding his iron steed, up and down, and boy, he'd like to be a cop. Yes sir! He would sure like to be a cop; and twenty-five years later he looks at that cop riding up and down and checks his speedometer and says, 'Doggone these cops!'

"Well, what is changed here? Has the cop changed? No. Just the attitude toward him. One's attitude toward life makes every possible difference in one's living. You know you don't have to study a thousand ancient books to discover that fact. But sometimes it needs to be pointed out again that life doesn't change so much as you."

"The day when you stop building your own environment, when you stop building your own surroundings, when you stop waving a magic hand and gracing everything around you with magic and beauty, things cease to be magical, things cease to be beautiful."

Add Some Magic to Your Life

Clear out the smell of Limburger cheese and make your life more enjoyable with this exercise.

1. Look around you. Notice your immediate surroundings in present time. Focus on where you are.

2. Think of a way you can make your environment a little more comfortable. Write it down.

3. Think of a way you can make your environment a little more cheerful. Write it down.

4. Think of a way you can make your environment a little more beautiful. Write it down.

5. Do these three things.

6. Repeat as needed until your attitude and the world around you improves.

The article "Is it Possible to Be Happy?" is in the book Scientology: A New Slant on Life and available in our bookstore.

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En översyn av Arizona Training & Evaluation Center (AZTEC Group) 36 år inom Fastighetsskötsel

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En översyn av Arizona Training & Evaluation Center (AZTEC Group) 36 år inom Fastighetsskötsel

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AZTEC, eller Arizona Training & Evaluation Center, är en ideellvälgörenhetsorganisation som ger bra program och tjänster till hundratalsbarn och vuxna med utvecklingsstörning i olika samhällen i Arizona ochomgivande områden i Avondale, Glendale, Maryvale, Peoria och överraskning.

På grund av organisationens kontinuerlig tillväxt och utveckling planerarAZTEC att expandera sin verksamhet i vissa asiatiska länder som Malaysia,Singapore och Tokyo, Japan.

Sedan starten har uppvisar AZTEC grupp enastående engagemang för attuppnå sina verksamhetsmål för "Partnerskap betonar möjligheter thruPerson-Centered lever och sysselsättning" (människor). Organisationen har enmängd olika program och tjänster, inklusive regelbundna pedagogiskaaktiviteter, arbetsförmedlingar, bostads tjänster och stöd, rekreation ochtransport.

AZTEC nådde fram till många prestationer i som betjänar människor medfunktionshinder att engagera sig aktivt för att avgöra var och hur de lever,lära och arbeta. Också, enligt några recensioner av olika grupper i Arizona,AZTEC grupp kunde verkligen ge allt stöd för funktionshindrade att bli lycklig,oberoende och framgångsrik i livet.

Adult services program

Detta program erbjuder individualiserad utbildning i självständigt boende,livskunskap, social och gemenskapens medvetenhet och social utveckling förpersoner äldre än 18 år gammal. AZTEC fokuserar på utbildning människormed funktionshinder att bli mer oberoende och ger möjligheter till lärandegenom integrerad rekreation och fritidsaktiviteter.

Äldre vuxna program

Detta program ger utbildning och terapeutisk verksamhet centrerad på äldressociala och psykologiska och fysiska behov. AZTEC vet att seniorer njuta avstimulerande och roliga aktiviteter som konst och hantverk, bingo, ochdeltagande i integrerad verksamhet erbjuds av lokala senior centers, det ärdärför de ger stor vikt i att utveckla en bekväm och säker miljö för dem.

Arbetsförmedlingen

AZTECS arbetsförmedlingen ger möjligheter som ger individer en meningsfullutbildning-relaterade aktiviteter och yrkesutbildning upplevelser. Dessatjänster kan tillhandahållas på en center-baserade workshop ellergemenskapens baserad arbetsplatsen. Syftet med programmet är attförbereda människor med funktionshinder att ha en oberoende anställningerfarenhet i den minst restriktiva inställningen. När en person har utvecklattillräcklig kompetens och kan arbeta självständigt, AZTEC hjälper till attutveckla ett jobb i gemenskapen där personalen stöder hjälp som enskildebehålla och utför sitt jobb.

Residential services

AZTEC'S residential program och tjänster syftar till att ge stöd till individer attbli mer oberoende och att samverka inom gemenskapen, och utvecklalämpliga individ och grupp fritid och sociala tid, hem levande och personligunderhåll färdigheter, hälsovård, gemenskapens integration ochkommunikativa färdigheter.

AZTEC hanterar mer än 30 bostäder grupp homes ligger i West Valley-området. Varje plats är fri från hinder och ger ett hem för tre till sex personer,som har en säker och pålitlig transport för medicinsk, rekreation ocharbetsmöten. Dessa platser har också tillgängliga fordon.

AZTEC'S homes är bemannade med pålitlig personal som är högt utbildadeinom olika områden såsom medicinsk administration, men inte begränsat tillgrundläggande hälsovård och sjukvård, beteendemässiga stöder,funktionshinder medvetenhet, förarutbildning, första hjälpen och CPR,incident rapportskrivning och personlig omvårdnad tekniker.

Rekreation

Varje bostadsområde tjänster programmet har rekreation koordinator som sertill att verksamheten planeras väl baserat på behoven hos individer i varjebostadsområde webbplats. Gemenskapens utflykter bedöms och övervakasför att säkerställa att individer njuta och lära av verksamhet.

Transport

AZTEC har en flotta av fordon och specialitet utrustade lastbilar för atttransportera människor med funktionshinder till och från deras program varjedag. Organisationens transport begränsas av gränser.

Baserat på AZTECS recension, har varje individ rätt att utveckla sin maximalapotential trots hans förmåga nivå. Personer med funktionshinder förtjänarsamma värdighet och respekt som resten av oss.

AZTEC utförs flera recensioner om tillståndet för personer medfunktionshinder i samhället, och det visar sig att dessa personer har varitmarginaliserad genom trångsynthet, beroende, diskriminering, isolering, syndoch fattigdom. AZTEC är ivrig att ändra på detta.

AZTEC bjuder in alla medlemmar i samhället att gå med dem i deras ventureändra vägen allmänna utseende och samarbeta med människor medfunktionshinder, omvänd marginalisering och beroende, och utveckla ettintegrerat samhälle som grundas på deras grundläggande övertygelse ompersonlig frihet och lika rättigheter.