Monday, September 26, 2016

Hillary Clinton Lost 2016 Presidential Debate to Trump

debate, Donald Trump, Hillary clinton

debate, Donald Trump, Hillary clinton

Republican Donald Trump and Democrat Hillary Clinton engage each other at Hofstra University in New York for their first presidential debate that is hugely anticipated by the American people. The audience rivaled that of the Super Bowl about 100 million Americans watched the debate.
debate, Donald Trump, Hillary clinton
A CNN/ORC poll released Monday found Trump edging Clinton 42% to 41% in Colorado among likely voters in a four-way race. In Pennsylvania, the poll found Clinton in a virtual tie against Trump among likely voters at 45% to 44%. In Bloomberg national poll that is the most latest poll  Trump gets 43 percent to Clinton’s 41 percent when third-party candidates are included.

Donald Trump edged Clinton on economics, he busted Clinton in the economy and creating job accusing Hillary she's been in the government for 30 years without doing anything about it. Donald also accuse Bill Clinton, Hillary's husband for NAFTA that devastated the middle income sending jobs and industry to other countries like Mexico.

Clinton asked Donald to release his tax returns, Donald fired back that he will release after the audit or if Hillary release her deleted emails.

debate, Donald Trump, Hillary clinton
Hillary Clinton looks like she's wearing a mini earpiece

Saturday, September 24, 2016

Taxpayers To Pay $90 billion in the 1st Year Under Hillary Clinton's proposal

Obamacare, Hillary Clinton healthcare, Trumpcare

If Hillary Clinton is to win the presidency and if her proposal to provide families a tax credit to help them pay for premiums, deductibles and coinsurance analyst said the taxpayers have to shell out an additional $90 billion in the first year.

The democrat leaning Commonwealth Fund RAND Corporation published a report of the Hillary's health agenda on Friday along with it is Donald Trump's proposal to repeal the Affordable Care Act. President Barrack Obama's health-care law has been dogged with low enrollment and majority of the big insurers are dropping participation in the exchanges because of the cost that they are incurring. Experts argue that the markets are fundamentally unstable.

The analysis show that both proposals has negative and positives. Clinton's proposal will be able to expand coverage, but only by supporting the major insurance company with substantial and expensive new subsidies from tax money. Trump on the other hand don't have the same number of people who will be covered but it his plan will make it more affordable, by allowing full competition in this market. Also, no person should be required to buy insurance unless he or she wants to under Trump's plan.

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Wednesday, September 14, 2016

Car Insurance Sold at Dealerships are Overpriced and Substandard

car dealership, car insurance, vehicle insurance

A new study found that consumers shelled out $1.6 billion in insurance premiums and they have been duped into getting an expensive, poor value insurance products that provide them with little or no benefit, according to the Australian Securities and Investment Commission (ASIC).

They have reviewed the sale of add-on insurance purchased through car dealerships for the span of three years. Add-on insurance products are sold to consumers when they purchased a brand-new or used car at a dealership. It usually include tire and rim insurance, mechanical breakdown insurance and extended warranties.

Australian Securities and Investment Commission (ASIC) chairman Peter Kell said there are serious problems with the industry.

"There are serious problems in this market that need to be immediately and comprehensively addressed by insurers," he said. "ASIC will be undertaking further work, including potential enforcement action to ensure that this market delivers acceptable outcomes for consumers."

Car dealers like selling this type of insurance since they receive big commissions on it, with salesperson earning $602 million, this is more than four times what consumers received in claims. The report also said that consumers paid $1.6 billion in premiums and received only $144 million in successful claims.

Payment for this type of add-on insurance was usually packaged into the customer's car loan as a single upfront premium, which could significantly increase the cost of the vehicle by increasing the loan amount and interest paid.

Consumer Action Law Centre advise the car buyers to not be tricked into buying insurance in a car dealership and they should shop around and consider all the options first that are available in the market so that they can get a good deal rather than accepting what the car dealer has to offer.

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Wednesday, August 31, 2016

Gov't Try to Fix Obamacare with Big Changes

Obamacare, ACA, health care act, health care law

The Obamacare or the Affordable Care Act has been hit with some major setbacks as big health insurers like Aetna are pulling out of the public exchanges, also some  regulators have said that the exchanges is collapsing due to increases in premium prices and the dwindling number of insurers. 

The US Centers for Medicare and Medicaid Services (CMS) have proposed a number of changes last Monday to try to save the exchanges on its impending collapse. The proposal will make it less risky for insurers in the marketplace to enroll sick patients. The major problem of insurers in the exchanges is that there are few young and healthy people to even out the cost of taking care of sick patients, which lead to huge losses.

"Right now, we are preparing to serve millions of consumers with a new set of innovations during the upcoming Marketplace Open Enrollment. As we do this, we are proposing today a set of critical actions based upon our first 3 years' experience that, if finalized, would improve how consumers and health plans interact with the Marketplace," said Acting Administrator of the Centers for Medicare and Medicaid Services Andy Slavitt. "These proposals help fulfill the promise that affordable, quality health coverage can be provided to everyone who needs it."

There are 14 proposals in total, here are some of them:

- Proposes updates beginning in 2017 to better reflect the risk associated with enrollees who are not enrolled for a full 12 months.

- by using some of the fees from the federally funded marketplace for outreach to get more young people to sign up.

- Strengthening rules for signing up for insurance outside the open-enrollment period to ensure that people are not waiting until they are sick to get coverage.

- Take prescription-drug use into account when evaluating the risk profile of potential patients. Previously, this had not been taken into account, and insurers argued that it prevented them from getting a full picture of possible patients' health status.

- Creating more flexibility for insurers in their bronze plan offerings to reduce cost burdens.

The proposed rule can be found here

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Wednesday, August 24, 2016

Disability Insurance What You Need to Know

Disability Insurance

Disability Insurance or sometimes called DI, disability income insurance, or Disability Income protects the insurers earned income against the risk of disability. It would pay a portion of your salary, creating a safety in case of illness, disability or accidents that render the individual unable to work.

For instance an employee may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits (LTD). If you suddenly become ill or disabled the Disability Insurance can help you pay your bills, make your monthly rent or mortgage loan payments, buy your groceries, make your car payments, pay for your children's education, etc.

According to Council of Disability Awareness the average length of a long-term disability claim is three years. So, what you need to do is to target above three years to give you more protection.

Yes, workers compensation is a Disability Insurance, however it's only for  work-related disabling illness, and it only covers about 2/3 of your pre-disability income. Most long-term disabilities doesn't come from work-related illness or injuries it comes from cancer, heart disease, and other illnesses.

Having a disability insurance is really important since no one knows what happens in the future. Protecting part of your income would be better than having no protection at all.

If you want to protect your future and get additional Disability Insurance you can get quotes from these online brokers:
Disability Insurance Resource Center

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Tuesday, August 16, 2016

Aetna Backs out on Obamacare Health Insurance Plans in 2017

Aetna Obamacare, Obamacare fail, Obamacare costing billions

Like a sinking ship, health insurer are jumping out of the Obamacare titanic. Aetna Inc, 3rd biggest health insurer in the U.S., announced Monday that because of continuous financial losses on Obamacare plans, they will limit their market on individual insurance on the government-run online marketplaces in only (4) four states next year, instead of their current 15 states. This is the latest blow to Obamacare. The will stop offering policies on the exchanges in 11 states. They will keep selling Obamacare products in Delaware, Iowa, Nebraska and Virginia.
Aetna Obamacare, Obamacare fail, Obamacare costing billions
Aetna said that they lost $430 million in its individual policies unit since the exchanges opened in January 2014. They had 838,000 exchange customers at the end of June and they complained that those policyholders are mostly sick and costly to maintain. They criticized the federal program that should have mitigate those risks.

"Providing affordable, high-quality health care options to consumers is not possible without a balanced risk pool," said Aetna CEO Mark Bertolini.

Aetna will still offer individual policies outside of the Obamacare exchanges in the vast majority of markets where it now does business. However, those Off-exchange products are not qualified for federal subsidies.

Like Aetna, most insurers complains about the loses they incur because of Obamacare exchanges. They said  premiums were too low and it can't cover the cost of care because their consumers are far sicker than anticipated.

UnitedHealthcare (UNH), the largest insurer in the U.S. is expecting to lose about $1 billion on Obamacare policies in 2015 and 2016, they will also pull out most Obamacare exchanges in 2017. Humana (HUM) announced last month that it was withdrawing nearly 1,200 counties in 8 states in 2017. Afterward, it will only be selling insurance on the exchanges in 156 counties in 11 states. Others, including several Blue Cross Blue Shield companies, are also scaling back.

Tuesday, August 2, 2016

Top 20 Insurance Brokers in the U.S.

insurance Brokers US, US insurance brokers, top insurance brokers in the US

The Business Insurance magazine have listed the top 100 brokers in the country they are ranked based on the 2015 brokerage revenue generated by U.S.-based clients.

There are four Western New York brokers that made the list First Niagara Risk Management Inc. – now owned by KeyCorp (NYSE: KEY) based in Buffalo  got the number 54 spot with $65.3 million. Lawley a privately-held insurance broker is at number 57 with $62 million. Meanwhile, M&T Insurance Agency Inc. dropped to number 79 from number 74 last year. Tompkins Insurance Agencies Inc., the sister company of Tompkins Bank of Castile in Batavia, were able to grow it secured the number 94 spot from 97 last year.

Here's the Top 20:

1 Marsh & McLennan Cos. Inc.1 $6,326,880,000 8.4%
2 Aon P.L.C. $6,052,059,000 4.1%
3 Willis Towers Watson P.L.C.1,2 $3,980,760,000 129.7%
4 Arthur J. Gallagher & Co.1 $2,713,336,000 13.0%
5 BB&T Insurance Holdings Inc.1 $1,676,025,000 (2.2%)
6 Brown & Brown Inc.1 $1,656,951,014 5.7%
7 Wells Fargo Insurance Services USA Inc. $1,316,335,000 1.3%
8 Hub International Ltd.1 $1,146,972,060 26.4%
9 USI Insurance Services L.L.C.1 $1,027,846,835 12.6%
10 Lockton Cos. L.L.C.1,3 $996,426,750 6.5%**
11 NFP Corp.4 $880,611,794 10.6%
12 Alliant Insurance Services Inc.1 $826,567,635 33.5%
13 AssuredPartners Inc.1 $555,938,953 23.8%
14 Acrisure L.L.C.1 $410,654,072 114.7%
15 BroadStreet Partners Inc. $336,550,000 36.6%
16 Jardine Lloyd Thompson Group P.L.C.5 $261,469,584 11.2%**
17 Integro Group Holdings L.P.1 $221,395,200 30.3%
18 CBIZ Benefits & Insurance Services Inc.1 $220,400,000 6.9%
19 Leavitt Group Enterprises1 $216,058,000 (2.9%)
20 Edgewood Partners Insurance Center, dba EPIC Insurance Brokers & Consultants $195,558,100 28.9%

The full list can be accessed on, however subscription may be required.

Friday, July 22, 2016

Car Insurance Rates Shoot Up Because of Pokemon Go Popularity

Pokemon, car insurance, Pokemon accident

Pokémon Go is a free-mium location-based mobile game developed by Niantic for iOS and Android devices, it contains some but not all aspects of an augmented reality game. It uses the  GPS and the camera of compatible devices. Players can capture, battle, and train virtual creatures, called Pokémon, who appear on device screens as though in the real world and that's where the problem lies this can harm the player specially if they are on the road or driving.

People who are too engage in the game while they are walking or driving can cause serious accident. A lot of people fear that car insurance rates will go up because of Pokemon go popularity. Let’s look at this issue more closely.

The National Highway Institute is one of the many organizations that have released warning about the dangers of driving they have also warn that by not paying attention to the road it dramatically increases the chance of an accident. 

We all know the dangers of being distracted while driving is and Pokémon Go can be worst than texting-while-driving it is a distraction that can cause serious accidents.  In fact, in the short time since its release, there have been reported accidents in every place where it has been released. 

In playing Pokemon Go using your device (smartphone, tablet etc.) the place around you will be filled with Pokémon monster that you can capture, battle, and train. You will need to look in your device to see them, and you need to go to places to capture this Pokemon or hatch an egg which can be dangerous specially if the players main focus is the game and not what going on around the player since the game requires that the player go out into the world around you to collect Pokémon. A crucial part of the game is finding these Pokémon hiding in the real world and catching them.  This is the reason why car insurance rates shoot up with Pokemon go release.  Not paying attention to the road will of course dramatically increase the risk of accidents and injury.  Similar to talking on the phone or texting, Pokémon Go takes your attention away from being a responsible driver or pedestrian.

Friday, July 15, 2016

Hillary Clinton's Plan Against Ballooning Student Debt with $16 a month

 student loan, personal finance, debt, student debt, Hillary clinton, Killary clinton
studet loan

Hillary Clinton's "debt-free college plan" include the imposition of a 3 months moratorium on federal student loan payments through executive action.

"With dedicated assistance from the Department of Education during this moratorium, borrowers will be able to consolidate their loans, sign up quickly and easily for income-based repayment plans, and take direct advantage of opportunities to reduce monthly interest payments and fees," she said.

Implied though not plainly expressed in those "opportunities" are other elements of her college plan, that will cover the ability for borrowers to refinance their student loans at current rates and interest-free loan deferrals for aspiring entrepreneurs. Borrowers who are behind on debt would also get help during the hiatus to rehabilitate their loans.

Financial planner Evelyn Zohlen president of Inspired Financial in Huntington Beach, California said that the 3-month moratorium has a better possibility of coming into fruition than the "tuition-free education at in-state public colleges for families earning as much as $125,000 or less" because it does not need the cooperation of Congress or a major funding initiative.

"It's allowing people to take advantage of programs already in place. The only people quote, unquote hurt are lenders, who may not see as much profit if people refinance to lower rates."

People who are unable to pay their student loan are growing more than 33% of the borrowers have been late on a payment at least once in the past year, and 25% were late more than once based on the report of the Financial Industry Regulatory Authority Investor Education Foundation's 2015 Financial Capability in the United States.

Even though they are struggling to pay, a lot of millennials don't care about their loan management options. Based on a survey released by Citizens Bank, millennials do not have an idea on what they owe on their student loans, the interest rate they are paying, when will they be able pay it or whether college was worth it. On average, graduates owed about $41,000 in student loans.  A shocking 60% millennials of the surveyed said they have no idea when their loans will be paid off and more than a third don't even know the interest rate they are paying, the report said.

Mark Kantrowitz, vice president of strategy for said that "You don't need Clinton's 3 months moratorium to switch repayment plans into income-based repayment. It takes just a few minutes."

Troubled borrowers may be entitled for one or more of the 7 alternative repayment options:

1. Standard Repayment Plan - it requires that you make fixed monthly payments of at least $50 for up to 10 years.
2. Graduated Repayment Plan - Your payments start low, and increase every two years. It will still be paid off within 10 years.
3. Extended Repayment Plan - repayment window for this plan is up to 25 years. You have the option of setting fixed monthly payments, like with the Standard Plan, or increasing them over time.
4. Income-Based Repayment (IBR) - Monthly payments are capped at 15% of your discretionary income, and readjusted each year based on your income and family size for up to 25 years.
5. Pay As You Earn Repayment (PAYE) -      Monthly payments are capped at 10% of your discretionary income, and readjusted each year based on your income and family size.
6. Income-Contingent Repayment Plan - Payments, made for up to 25 years, are based on your adjusted gross income, family size and the amount of your loans. Your payments change as your income changes.
7. Income-Sensitive Repayment Plan - Your monthly payments are based on your annual income.
Each of the plan has pros and cons. Just remember a longer repayment term not only lengthens your payment commitment, it also means you'll pay more overall. If you refinance your federal student loans into a new, private loan. I will come at the price of losing federal protections to postpone payments in times of financial hardship.

Also if you cut your loan rate it may not lessen your monthly payment that much. In Clinton's proposal, for instance, estimates that borrowers refinancing into new loans at current rates would save the typical borrower $2,000 over the life of their loan.

"Divided by 120 payments, and that's $16 a month," Kantrowitz said. So She's proposing puny "A free pizza a month."

student loan, personal finance, debt, student debt,

Wednesday, June 29, 2016

Toyota Recalls 3.37 million Vehicles for Defects

Toyota Prius Recall, Toyota recall, Toyota defects, car defects

Toyota announced on Wednesday that they will be recalling 3.37 million vehicles worldwide to fix defects, this is the latest troubles for a Japanese auto industry hit by fuel-efficiency scandals and an exploding airbag crisis.

The affected models in the latest recall includes Prius hybrid, Corolla sedan, and luxury Lexus brand, those vehicles were mostly sold in Japan, North America and Europe.

Vehicles that were manufactured between 2008 and 2012 has been found that most have problem with passenger and driver-side air bags that could see the safety device partially deploy and risk injury, the company said. They also said that it is not part of the massive recalls of Takata air bags, which is involve in an airbag defect scandal linked to at least 13 deaths and scores of injuries globally.

Toyota Motor Corp. said it does not know of any fatalities or injuries related to the latest recalls.

Another defect besides the airbags is with the vehicle's fuel emission control unit that could lead to cracks developing in the unit. They said that because of this the cracks could expand over time and, eventually, fuel may leak from these cracks when the vehicle has a full tank of gas. No accidents or injuries have been reported in this defect.

About 2.87 million Toyota and Lexus brand cars are being recalled over the fuel tank defect, Toyota said, noting that some vehicles are subject to both recalls.

If you want to know if your vehicle is included in the recall go to, you'll need to Enter a 17-digit Vehicle Identification Number (VIN):