ePan Stories

Pelakon kacak Hisham Hamid mendedahkan dia berdepan insomnia ketika minggu pertama penggambaran rancangan realiti pencarian bakat pereka fesyen tempatan, Gen F awal Februari lalu.

Kata Hisham, pertama kali menyandang peranan sebagai pengacara, dia gementar dan tertekan untuk memberikan kualiti kerja yang terbaik.

"Minggu pertama rakaman Gen F memang saya tertekan sampai tak boleh tidur malam.

"Biasanya saya akan berjaya untuk menghafal skrip sampai waktu Subuh dan akan tidur kemudiannya, sampaikan isteri saya menegur sikap pelik saya yang terlebih cuak daripada kebiasaan.

"Namun, apabila memasuki minggu kedua, saya sudah semakin biasa beraksi spontan di hadapan kamera dan tidak hanya bergantung semata-mata dengan skrip," katanya kepada Astro Gempak.

Pelakon mini siri Do[s]a itu akan muncul sebagai pengacara rancangan realiti Gen F yang akan mula bersiaran pada 11 Mac depan.



Selain Hisham, rancangan itu juga melantik pereka fesyen terkenal Datuk Rizalman Ibrahim dan usahawan popular Vivy Yusof sebagai juri tetap.

Gen F diwakili oleh 10 jenama fesyen tempatan seperti Kahou, Lolo, HN, Wan & Mary, Calaqisya, Jubahsouq, Ridzuan Alias, Larf, Seth & Luna dan Clothesology.

Jangan lepaskan peluang menonton Gen F setiap hari Ahad, 9 malam bermula 11 Mac 2018 di saluran Astro Ria (104) dan Astro Ria HD (123).

Teks oleh: Amri Hassan
Foto: IG @hishamhamid7 

Sumber: Gempak.com

Pelakon Sharifah Shahira mengimbau kenangan lucu yang berlaku di majlis akad nikah bersama suaminya, Ijoy pada 28 Februari 2003.

Menerusi perkongsian di akaun Instagram (IG) peribadinya, Shahira atau lebih mesra dengan panggilan Shiera memuat naik foto mereka berdua ketika majlis tersebut.

Dengan menggunakan hashtag #kahwindulukahwinsekarang, Shiera menceritakan momen-momen menarik yang berlaku melalui setiap posting yang dimuat naik di IGnya.






 
Rata-rata peminat berasa terhibur dengan perkongsian Shiera dan mendoakan hubungan pasangan ini berkekalan dan bahagia selamanya.






Terdahulu, hasil dari perkahwinan bersama Ijoy, mereka telah dikurniakan lima cahaya mata iaitu Airell, 12, Airra, 9, Auddra, 7 dan Adeena, 3 bulan.

Shiera sebelum ini turut mempunyai seorang anak perempuan, Allisya, 18, hasil perkahwinan pertamanya dengan vokalis Black Dog Bone, Jatt

Foto: Instagram @shieraijoy

Teks oleh: Mya Amri

Sumber: Gempak.com 

The anecdotes make him cringe. Whole life insurance has its place, he says. “What I’m not OK with is how whole life is sold.” 

Now Huntley is asking personal finance bloggers, insurance agents and consumers to join him in a “Whole Life Insurance Rebellion,” an effort to educate consumers about life insurance and the risks of buying the wrong product. His website serves as the hub for the push. 

Comparing the policies
Huntley’s rebellion is the latest salvo in a decades-long battle between proponents of whole life and term life insurance. Here’s how the two compare:



Whole life insurance is an unsexy product that sparks a lot of sharp debate. In recent years, personal finance celebrities Dave Ramsey and Suze Orman have trashed whole life and other permanent life policies that are sold as “investments.” Ramsey dubbed it “one of the worst financial products available.” 

Long-standing debate
“I’ve been in the business for 50 years, and that criticism was there when I started,” says Marvin Feldman, president and CEO of insurance industry group Life Happens. “It was there when my father started in 1938.”
James Hunt, a life insurance actuary with the Consumer Federation of America and a former Vermont insurance commissioner, recalls how Primerica, whose life insurance business focuses solely on term life, referred to permanent life insurance as “trash value life insurance” in the 1980s. Those on the other side of the debate referred disparagingly to agents who promoted only term life as “termites,” a word that would then be embraced by some pro-term agents.
Huntley’s firm, Huntley Wealth & Insurance Services, sells mostly term life and some whole life. The whole life policies he sells are often for smaller amounts to cover final expenses. He says he’s not against whole life as a product. His beef is with agents who pitch whole life as an investment to consumers who have modest incomes.
Agents earn larger commissions on whole life than term life. “Just because someone can make good money selling something doesn’t mean it’s a bad product,” Huntley says. But he adds that there is a lot of pressure on agents from some companies to sell whole life insurance.
If you can’t make a payment on a life insurance policy, the coverage ends. And if that happens in the early years of owning a whole life insurance policy, you walk away with little or no cash value. The thousands of dollars you’ve spent on the policy are gone. This is what happens to consumers who get talked into a whole life policy they can’t afford, Huntley says. They end up without life insurance coverage and with nothing to show for their “investment.”
More than a quarter of whole life policies are terminated in the first three years, according to the latest available data from the Society of Actuaries and LIMRA.
Huntley’s “Whole Life Insurance Rebellion” asks participants to do three things:

• Educate themselves about life insurance.
• Share information about the rebellion on social media.
• Sign the “Insurance Bill of Rights,” a petition created by Tony Steuer from InsuranceLiteracy.org. Among other things, the bill says agents should act in consumers’ best interest and recommend affordable and appropriate coverage.

When whole life might make sense
Before even thinking about investing in whole life, Huntley says, consumers should max out contributions to tax-advantaged retirement accounts. Meanwhile, they can buy cheap term life to get the life insurance coverage they need. 

Feldman says term life is a good choice for someone with a temporary need for life insurance, such as providing money for his or her family to pay debts or living expenses for a limited number of years in case he or she dies. 

“This is not a subject where there’s a hard-and-fast rule where you should only buy this or buy that,” he says. “The answer isn’t either-or; it’s a ‘depends’ or ‘maybe.’”

He adds that whole life is a good solution for people who need lifelong coverage and want the safety and guarantees the product provides. He’s had clients who managed to keep businesses afloat because they could borrow against the cash value in their permanent life policies.

Whole life can make financial sense as an investment alternative for people with money to burn. These are folks who have maxed out contributions to tax-advantaged retirement accounts and want a safe, conservative vehicle for extra cash to diversify a portfolio. The cash value growth in a life insurance policy is tax-deferred. To build up enough cash value to make it worthwhile, though, the policy needs to be held for at least 20 years, Hunt says. 

Huntley says his main goal for the rebellion is for consumers to be better educated about life insurance. Although he expects to get some pushback from others in the industry, he says he launched the effort because, “I just feel like it’s the right thing to do.”
Barbara Marquand is a staff writer at NerdWallet, a personal finance website.

Source: Forbes.com

Tarian cabaran Panama pelakon Sari Yanti yang kini sedang hamil dipuji peminat.

Sari Yanti menerusi akaun Instagram (IG) peribadinya memuat naik video dia melakukan tarian tersebut dalam keadaan duduk di atas kerusi.

Menurut Sari Yanti pada awalnya dia hanya diminta oleh seorang jurufoto untuk melakukan beberapa gerakan tanpa mendengar muzik atau lagu Panama.

Pelakon yang kini manis bertudung itu memberitahu dia hanya menurut kata juru foto tersebut selepas selesai sebuah sesi fotografi.

Selepas menerima video tersebut Sari akui dia baru mengetahui bahawa tarian yang dilakukan itu adalah untuk cabaran #PanamaDance yang sudah menjadi tular.





Video tersebut mendapat perhatian peminatnya yang rata-rata memuji gerakan yang dilkukan sangat comel, apatah lagi dia kini sedang berbadan dua.

"Alahai...kenapa comel sangat ni.

"Kakak, comelnya perut.

"Lain pada yang lain...masih nampak ayu," tulis beberapa peminat.

Sari dan Jep Sepahtu berkahwin pada 24 Februari 2017. 

Sumber: Gempak.com

 Pelakon Sharifah Shahira mengimbau kenangan lucu yang berlaku di majlis akad nikah bersama suaminya, Ijoy pada 28 Februari 2003.

Menerusi perkongsian di akaun Instagram (IG) peribadinya, Shahira atau lebih mesra dengan panggilan Shiera memuat naik foto mereka berdua ketika majlis tersebut.

Dengan menggunakan hashtag #kahwindulukahwinsekarang, Shiera menceritakan momen-momen menarik yang berlaku melalui setiap posting yang dimuat naik di IGnya.










Rata-rata peminat berasa terhibur dengan perkongsian Shiera dan mendoakan hubungan pasangan ini berkekalan dan bahagia selamanya.
















   Terdahulu, hasil dari perkahwinan bersama Ijoy, mereka telah dikurniakan lima cahaya mata iaitu Airell, 12, Airra, 9, Auddra, 7 dan Adeena, 3 bulan.

Shiera sebelum ini turut mempunyai seorang anak perempuan, Allisya, 18, hasil perkahwinan pertamanya dengan vokalis Black Dog Bone, Jatt

Foto: Instagram @shieraijoy

Teks oleh: Mya Amri

Sumber: Gempak.com





Pelakon Iedil Putra akui ada berjumpa dengan Bront Palarae yang memegang watak asal Rahman dalam Filem Ola Bola sebelum menjayakan pementasan muzikal tersebut.

Iedil Putra berkata Bront Palarae amat mempercayainya untuk membawakan  watak tersebut dalam Ola Bola The Musical.

“Saya sudah berjumpa dengan Bront Palarae, dia pun gembira apabila mendapat tahu saya yang membawakan watak tersebut.

“Katanya di Malaysia ni tiada orang atau pelakon lain yang dia percaya boleh membawa watak Rahman.

“Jadi saya pun sudah mendapat restunya,” katanya kepada Astro Gempak

Pun begitu, Iedil memberitahu dia cuba untuk mencari kelainan dalam watak Rahman supaya ia tidak sama dengan cara pelakon asal.

“Meskipun sebelum ini saya sudah menonton filem Ola Bola, namun untuk pementasan ini saya cuba bawa kelainan dan hanya mengambil karakter Rahman sebelum ini sebagai rujukan sahaja.

“Malah saya turut terlibat dalam proses olahan skrip untuk membuat improvisasi agar apa yang saya tampilkan memgikut gaya penyampaian saya sendiri,” katanya lagi.

Selain Iedil Putra, pelakon yang membintangi Ola Bola The Musical adalah Luqman Hafidz, Lim Jian Wen, Altimet, Douglas Lim dan ramai lagi.

Ola Bola The Musical yang dipersembahkan oleh CIMB itu sedang dipentaskan di Panggung Sari, Istana Budaya sejak 8 Februari (hari ini) hingga 11 March 2018.

Tiket Ola Bola The Musical dijual dengan harga bermula dari serendah RM58.71.

Diskaun sebanyak 40% diberikan untuk pengguna kad CIMB atas pembelian tiket mengikut terma san syarat. Ia boleh dibeli di www.olabolamusical.com.  


Imagine you’re a month away from the cruise you’ve been planning for nearly a year. You’re traveling smarter these days, so with some health issues in the family, you decide to look into getting travel insurance.

The problem comes when you finally get around to looking for a policy. You find out that you won’t be covered for your medical expenses if your bad back flares up on your trip and you may not even be covered if you need to cancel the trip because your father-in-law’s heart condition worsens.


The reason: They’re pre-existing conditions, which are usually excluded on travel insurance policies.
Fortunately, that doesn’t have to be the case. Based on my work at Squaremouth, an online company that compares travel insurance products, I’ve found that you may be able to buy travel insurance covering pre-existing conditions without paying more or filling out a special application. It’s all about timing.

How Travel Insurance Defines Pre-Existing Conditions
You’re likely familiar with the term “pre-existing condition” as it relates to health insurance, but travel insurance defines it a little differently. In travel insurance terms, a pre-existing condition is typically defined as an “injury, sickness or condition for which medical advice, diagnosis, care or treatment was recommended or received” during what’s known as the “lookback period.” This lookback period is typically two to six months before the policy’s coverage effective date.
You may have a pre-existing condition, from a travel insurance standpoint, if any of the following occurred during the lookback period:

• A doctor recommended or performed a diagnostic test, examination, or medical treatment
• You received a new prescription or had a change in your current prescription or dosage of a medication
• You experienced a change in an existing condition, for better or worse
• You exhibited symptoms for which you should have sought care or treatment

A stable condition or disease may not be considered a pre-existing condition, though. If you have diabetes, for example, but have not experienced any change in your condition or medication in the past few months, that would not be a pre-existing condition.

Essentially, if you can look back at your medical records over the past 60 to 180 days and see a documented change, you may be considered to have a pre-existing condition.

The Need to Be Proactive
If you want pre-existing condition coverage, you need to be proactive in your search for travel insurance. Many policies will cover pre-existing conditions, but only if you purchase the policy within 14 to 30 days of when you make your first booking for your trip. As soon as you reserve a hotel, book a flight, or make a deposit on a cruise, the clock starts ticking. On some policies, you must also insure 100% of your trip cost to be eligible for pre-existing condition coverage. The upshot: it’s very important to look at the policy requirements before you buy.

To qualify for pre-existing condition coverage, you must also be considered medically stable to travel when you purchase your policy. So if you haven’t been to a doctor in a while or if your condition was not stable during your last visit, you may want to have your physician confirm that you’re currently stable to travel.

If You Booked Your Trip a While Ago
But what if you booked your trip a long time ago? In that case, you may not be able to get pre-existing condition travel insurance coverage. However, you may be able to find a policy that still covers most of your needs.

A policy with a shorter lookback period may be more favorable. For example, if your back injury was three months ago, it would not be considered a pre-existing condition on a policy with a 60-day lookback period.

Once you determine the kind of coverage you need, use a travel insurance comparison site to browse and compare policies. You can also call a licensed travel insurance agent to make sure you end up with a policy that covers your specific concerns.



Source: Forbes.com

I received this article on the importance of life insurance from Intelliquote.com and decided to share it. Having adequate life insurance can't bring your loved one back, but it can help provide you with financial security. I have numerous female friends who are living financially secure because their husbands had life insurance.

Whether it’s just you and your spouse or your family consists of a houseful of kids, a top priority for your peace of mind is having the right whole or term life insurance to make sure your loved ones are protected. Because there are so many options available, it’s easy to put off making a decision if you are overwhelmed with your choices or don’t properly understand them. The following 10 suggestions can help you make the right decision for you and your family.

1. Get multiple insurance quotes that include all options or restrictions so you know exactly what is available.
2. Stay away from any agent or organization that cannot or will not fully explain exactly what you are buying and why.
3. Always remember that you are the client. At no point should you feel bullied or intimidated into buying something that you aren’t sure of.
4. Though you certainly want to purchase adequate coverage, don’t over buy. If your premiums are too high to manage because of the extras that have somehow found their way into your policy, you will be much more apt to allow it to lapse.
5. Once you find a company or agent that you are comfortable with, ask questions. The clearer you are on what type of life insurance rates and options are right for you, the easier it will be to agree on a package that suits your requirements.
6. Consider life insurance for the whole family, not just the adults. Expenses that follow a death or serious illness or accident will add more stress to an already devastated family.
7. Remember to regularly check your policy for changes that may affect you or your family. Almost all companies will send out notices to explain changes that they have made so make sure you review them.
8. Review your policies relevance regularly and update as your family and their needs change.
9. Consider your life insurance a fixed and non-negotiable expense in the same way you would your mortgage or car payment. It’s easy to consider life insurance as a luxury rather than a need, when in reality that is definitely not the case.
10. Don’t be overwhelmed by “what if” or worst case scenarios.

No one wants to leave their family early, and no one wants to leave them struggling financially as well as the emotional trauma they will experience with the loss of a loved one. The proper whole or term life insurance can let you get on with the business of living while knowing that should the worst happen, your family is protected.
Warmly,
Marcia Brixey




Source: Forbes.com

2. Property Insurance:  If you own your building or have business personal property, including office equipment, computers, inventory or tools you should consider purchasing a policy that will protect you if you have a fire, vandalism, theft, smoke damage etc.  You may also want to consider business interruption/loss of earning insurance as part of the policy to protect your earnings if the business is unable to operate.

3. Business owner’s policy (BOP): A business owner policy packages all required coverage a business owner would need. Often, BOP’s will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance . Based on your company’s specific needs, you can alter what is included in a BOP. Typically, a business owner will save money by choosing a BOP because the bundle of services often costs less than the total cost of all the individual coverage’s.


4. Commercial Auto Insurance: Commercial auto insurance protects a company’s vehicles. You can protect vehicles that carry employees, products or equipment. With commercial auto insurance you can insure your work cars, SUVs, vans and trucks from damage and collisions.  If you do not have company vehicles, but employees drive their own cars on company business you should have non-owned auto liability to protect the company in case the employee does not have insurance or has inadequate coverage.  Many times the non-owned can be added to the BOP policy.


5. Worker’s Compensation: Worker’s compensation provides insurance to employees who are injured on the job. This type of insurance provides wage replacement and medical benefits to those who are injured while working. In exchange for these benefits, the employee gives up his rights to sue his employer for the incident. As a business owner, it is very important to have worker’s compensation insurance because it protects yourself and your company from legal complications. State laws will vary, but all require you to have workers compensation if you have W2 employees.  Penalties for non-compliance can be very stiff.

6. Professional Liability Insurance: this type of insurance is also known as Errors and Omissions Insurance. The policy provides defense and damages for failure to or improperly rendering professional services.  Your general liability policy does not provide this protection, so it is important to understand the difference.   Professional liability insurance is applicable for any professional firm including lawyers, accountants, consultants, notaries, real estate agents, insurance agents, hair salons and technology providers to name a few..

7. Directors and Officers Insurance: this type of insurance protects the directors and officers of a company against their actions that affect the profitability or operations of the company. If a director or officer of your company, as a direct result of their actions on the job, finds him or herself in a legal situation, this type of insurance can cover costs or damages lost as a result of a lawsuit.

8. Data Breach:  If the business stores sensitive or non-public information about employees or clients on their computers, servers or in paper files they are responsible for protecting that information.  If a breach occurs either electronically or from a paper file a Data Breach policy will provide protection against the loss.

9. Homeowner’s Insurance: Homeowner’s insurance is one of the most important kinds of insurance you need. This type of insurance can protect against damage to the home and against damage to items inside the home. Additionally, this type of insurance may protect you from accidents that happen at home or may have occurred due to actions of your own.

10. Renter’s Insurance: Renter’s insurance is a sub-set of homeowner’s insurance which applies only to those whose who rent their home. The coverage is protects against damage to the physical property, contents of the property, and personal injury within the home.

11. Life Insurance: Life insurance protects an individual against death. If you have life insurance, the insurer pays a certain amount of money to a beneficiary upon your death. You pay a premium in exchange for the payment of benefits to the beneficiary. This type of insurance is very important because it allows for peace of mind. Having life insurance allows you to know that your loved ones will not be burdened financially upon your death.

12. Personal Automobile Insurance: Another very important type of insurance is auto insurance. Automobile insurance covers all road vehicles (trucks, cars, motorcycles, etc.). Auto insurance has a dual function, protecting against both physical damage and bodily injury resulting from a crash, and also any liability that might rise from the collision.

13. Personal Umbrella Insurance: You may want some additional coverage, on top of insurance policies you already have. This is where personal umbrella insurance comes into play. This type of insurance is an extension to an already existing insurance policy and covers beyond the regular policy. This insurance can cover different kinds of claims, including homeowner’s or auto insurance. Generally, it is sold in increments of $1 million and is used only when liability on other policies has been exhausted.



Source: Forbes.com

Why do I need legal expenses cover on my car insurance?

Advantages of car insurance legal expenses cover

Disadvantages of legal expenses cover

Including legal cover in your insurance policy

Sumber: Gempak

Car expenses rank second only to housing costs for many Americans. A family with two cars to insure and pay off could easily spend $1,000 or more per month to drive.
But automotive expenses can often be trimmed. You could find significant savings by shopping for better rates on what could be the biggest items in your auto budget: monthly loan payments and insurance premiums.
Rather than simply pinching pennies on gas, taking a few hours to lower these bills can feel much like getting a raise, delivering free money you can count on every month.

Refinance your auto loan

If you didn’t know your credit score or shop around for a loan when you bought your car, it’s hard to know whether you got the best possible rate.
Dealerships — where most people finance their cars — may offer very low-interest financing. But sometimes the rate you get isn’t the lowest you could have qualified for. “Most people have no idea” when it happens to them, says Delvin Davis, senior research analyst at the Center for Responsible Lending.
To see if you can reduce your interest rate and monthly payment, you can apply to refinance your auto loan, meaning you pay off your current loan with a new one from a different lender. This can really save you money if:

• You originally agreed to a higher interest rate than you needed to, or
• Your credit has improved and you qualify for a lower interest rate

Lenders have varying credit and vehicle requirements, so compare multiple offers to find the best rate and terms. Just be sure to apply to all lenders within 14 days to minimize the impact on your credit score when lenders perform a credit inquiry. Multiple inquiries for the same type of loan within a short period are typically treated as one, but it’s smart to check your report afterward to confirm this is the case.
All this might be easier than it sounds. You can check your credit, compare rates, estimate savings and apply online. Check with your current bank or credit union, too. It may offer the best deal because it already has a relationship with you, Davis says.
But be careful: If you can lower your payment only by extending the length of your new loan, you’ll pay more interest overall, making your car more expensive. It also puts you at risk of owing more than your car is worth. Take a longer loan term only if you’re struggling to make payments and need to avoid defaulting to preserve your credit score, Davis advises.
And if you really can’t afford your monthly payment but still need a car, consider downsizing to a less expensive one.

Shop car insurance rates

There’s just one way to make sure you have the cheapest car insurance possible: Compare quotes. You can do this online with a comparison tool, by calling companies for quotes or by visiting an insurance agent. If you work with an agent, keep in mind there are two types:

• Independent agents, who can show you quotes from several insurers
• Captive agents, who sell insurance from only one company

Car insurance pricing depends on dozens of factors, including your driving history, ZIP code and even your previous insurer. “Each insurance company values different things when setting rates,” says Janet Ruiz, a spokesperson for the Insurance Information Institute. That’s why shopping around is essential to getting the most competitive rate for your current situation.
For example, after an accident one insurer may raise your premium 25%, while another would raise it by 50% — a price that can last three to five years. And in many states, bad credit can impact your rate even more than causing an accident, according to NerdWallet analysis.
If you drive very little and don’t mind having your driving tracked, you might find greater savings with per-mile insurance from companies like Metromile, Esurance or Milewise from Allstate.

Other ways to lower your premium

If you’re already paying less for car insurance than the quotes you find — maybe you’re bundling home and auto insurance — there are other ways to lower your premium:

• Raise deductibles on comprehensive and collision coverages. If your car’s stolen, totaled or damaged by someone else, you’ll pay more out of pocket with a higher deductible, but your premiums would be lower.
• Drop collision and comprehensive on paid-for older cars. Without a loan to cover, there’s no need to pay hundreds per year when you’ll get only a couple thousand bucks back — minus the deductible — if your car is totaled.

Get every discount you can. Check your insurer’s website for available discounts, and confirm with your policy, agent or service representative that all are applied.

Getting the best car insurance deals for your car

The best car insurance offers for your age

The best car insurance deals – no claims bonus

The best car insurance offers if you have multiple cars

Make your car more secure

Most of us need car insurance, yet few of us fully understand it.
Dozens of car insurance companies, including large players and regional insurers, are vying for your business. Many offer an eye-glazing assortment of policy options, making it hard to compare policies and figure out what’s the best and cheapest car insurance.
Here are eight things you can do to ensure you get good coverage at the best possible rate.

1. Don’t assume any one company is the cheapest

Some companies spend a lot of money on commercials that try to convince you they offer the lowest car insurance rates. But prices that different people pay for the same coverage by the same company can vary widely. No single insurer can claim to be the low-price leader for everyone. The insurance company that’s cheapest for one person in one place might be the most expensive option for a driver in another state.

The only way to ensure you’re getting the best deal is to shop around.

The only way to ensure you’re getting the best deal is to shop around.
There are some savings at stake: A NerdWallet analysis found that good drivers could be missing out on $416 a year on average by not comparing insurance prices.
Our study also found that 38% of Americans who have car insurance haven’t compared insurance costs in at least three years, if ever.
» COMPARE: NerdWallet’s car insurance comparison tool

2. Don’t ignore local and regional insurers

Just four companies control nearly half the nation’s auto insurance business: Allstate, Geico, Progressive and State Farm. But smaller, regional insurers such as Auto-Owners Insurance and Erie Insurance often have higher customer satisfaction ratings than the big names — and they may have lower rates, too.
» MORE: The best car insurance companies

3. Check for discounts

Insurers provide a variety of discounts, including price breaks for customers who:

• Bundle car insurance with other policies, such as homeowners insurance
• Insure multiple cars with one policy
• Have a clean driving record
• Pay their entire annual or six-month premium at once
• Agree to receive documents online
• Own a car with certain anti-theft or safety features
• Are members of particular professional organizations or affiliate groups

Don’t be swayed, however, by a long list of possible discounts. Compare your final prices from multiple insurers.

4. Pay your bills on time

Your credit score is a significant factor in the car insurance quotes you receive — except in California, Hawaii and Massachusetts, which don’t allow insurers to consider credit when setting rates. Insurance companies say customers’ credit has been shown to correlate with their chances of filing claims.
A NerdWallet analysis found that having poor credit can boost people’s car insurance rates by hundreds of dollars a year compared with having good credit.
Improve your credit — and get cheaper insurance — by paying your bills on time and reducing your debt. Track your progress by checking your credit score regularly.

5. Consider insurance costs when buying a car

You probably already pay attention to factors such as fuel efficiency and repair costs when picking a car to buy, but you should also consider insurance premiums. A NerdWallet analysis of the cheapest cars to insure among top-selling vehicles found the lowest rates are for the Honda CR-V, Subaru Outback and Jeep Cherokee.

6. Skip collision and comprehensive coverage for an older car

Collision coverage pays to repair the damage your vehicle after an accident with another car or an object such as a fence. Comprehensive coverage pays to repair vehicle damage from weather, animal crashes, floods, fire and vandalism. It also covers car theft. But the maximum payout under either policy is limited by the value of the car if it’s totaled or stolen. If your car is older and has a low market value, it may not make sense to shell out for these types of coverage.
» MORE: Understanding collision and comprehensive insurance

7. Consider raising your deductible

If you buy comprehensive and collision coverage, you can save money by opting for higher deductibles. (There is no deductible on liability insurance, which pays for the damage you cause others in an accident.)

8. Consider usage-based or pay-per-mile insurance

If you’re a safe driver who doesn’t log many miles, consider a usage-based insurance program such as Allstate’s Drivewise, Progressive’s Snapshot or State Farm’s Drive Safe & Save. By signing up for these programs, you let your insurer track your driving in exchange for possible discounts based on how much you drive, when you drive and how well you drive.
If you drive less than 10,000 miles a year, you might be able to save money with a mileage-based insurance program such as Metromile or Esurance Pay Per Mile. Metromile is available in seven states; Esurance Pay Per Mile is available in Oregon.


Source: Nerdwallet

BUKIT MERTAJAM - Majikan yang menyiksa Adelina Sau, Tenaga Kerja Indonesia ( TKI) yang tewas di Malaysia, terancam mendapat hukuman sangat berat.

Hal itu terungkap ketika S Ambika menjalani persidangan di Pengadilan Bukit Mertajam Rabu (21/2/2018).

Diwartakan The Star Online, Hakim Muhamad Anas Mahadzir membacakan dakwaan kepada perempuan 59 tahun tersebut.

Ambika didakwa telah menyiksa Adelina, TKI asal Nusa Tenggara Timur (NTT) sehingga dia meninggal 11 Februari lalu.

Ambika dianggap melanggar Pasal 302 Hukum Pidana dengan ancaman maksimal vonis mati jika terbukti bersalah.

Adapun Bernama via The Malay Mail Online melansir, Ambika datang ke ruang sidang tanpa diwakili oleh kuasa hukumnya.

Adelina Lisao tidur di beranda rumah di Taman Kota Permai, Penang, Malaysia, ketika ditemukan Sabtu (10/2/2018). TKI asal Nusa Tenggara Timur itu ditemukan dengan berbagai luka di wajah dan kepala. Perempuan 21 tahun itu meninggal dunia sehari berselang (11/2/2018). (Steven Sim/The Malay Online)

"Terdakwa tidak mengucapkan sepatah kata pun untuk membela dirinya," ujar Malay Mail dalam reportasenya.
Sementara anak Ambika, R Jayavartiny, didakwa telah mempekerjakan imigran ilegal sejak Maret 2017 hingga 10 Februari 2018.
Perempuan 32 tahun tersebut dianggap melakukan pelanggaran terhadap Pasal 55 B ayat 1 Hukum Imigrasi.

Jika terbukti bersalah, Jayavartiny bakal dihukum selama satu tahun, dan denda maksimum 50.000 ringgit, atau sekitar Rp 173 juta.

Jayavartiny langsung membantah tuduhan tersebut. Meski, dia mengaku kalau mengetahui bahwa Adelina datang tanpa izin resmi. Pengadilan lanjutan dilaporkan bakal digelar 19 April mendatang dengan agenda laporan hasil laboratorium, forensik, dan post-mortem. Sebelumnya, sehari sebelum meninggal (10/2/2018), Adelina tampak terlalu takut untuk merespons kehadiran tim penyelamat yang berupaya mengevakuasinya. Dia hanya melirik dan menggelengkan kepala.

Sementara anjing jenis Rottweiler berwarna hitam yang terikat tali dan berada di sampingnya terus menyalak kepada petugas.

Tetangga rumah tersebut mengklaim perempuan asal Nusa Tenggara Timur (NTT) itu tidur dengan seekor anjing di beranda rumah selama sebulan terakhir, sebelum ditemukan pada Sabtu.
Menurut keterangan dokter, Adelina menderita memar di kepala dan wajahnya. Dia juga menderita kegagalan multi organ sekundar akibat anemia.

Artinya, organ tubuhnya gagal bekerja karena kekurangan darah di tubuhnya. Adelina meninggal di rumah sakit pada Minggu (11/2/2018).

Ambika dan Jayavartiny langsung ditangkap kepolisian Penang sehari setelah Adelina tewas (12/2/2018).

Berita Ini Sudah Dipublikasikan di Kompas.com, dengan judul: Majikan TKI Adelina Terancam Hukuman Mati

 Sumber: Tribunnews






 How to get cheap insurance for young drivers

Our guide on how to get cheap insurance for young drivers can help you find the best cover.

Young drivers in the UK are statistically more likely to have an accident and make a claim. This has the knock-on effect of sending their car insurance costs sky high.

Getting the best cheap car insurance for young drivers can feel like an impossible task, but there’s plenty you can do to help keep costs down. From picking the right car to increasing your excess, our tips go back to basics so that you can consider a wide range of insurers, not just those that offer telematics or pay-as-you drive insurance.

Read our nine top tips to help you find cheapest car insurance for young drivers.

1. Pick one of the cheapest cars to insure for young drivers

When looking for your first car, the cost of car insurance is often a big factor in the buying process. All cars on the market belong to one of 50 different car insurance groups — the cheapest cars to insure for new drivers can be found in groups one to five. This is particularly important for young male or female drivers with fast cars, which are typically more expensive.

2. Steer clear of car modifications

Car modifications, such as alloy wheels and body kits, often appeal to young drivers wanting to personalise simple-looking hatchbacks or medium-sized cars. However, avoid them if you want the best insurance for young drivers — modifications are known to increase premiums by hundreds of pounds. Again, this is the sort of thing that young drivers with fast cars, or those who want a fast car, should be aware of.
If you are absolutely determined to modify your car, consider if you would be happy to replace the modified parts with cheaper ones, otherwise the costs of the premiums could be much higher.

3. Consider a black box policy

Black box policies (also known as telematics) use an app or a small device installed in the car to monitor usage and driving behaviour. These types of policy can help to cut the cost of car insurance for young drivers as insurers are able to base premiums on actual driving behaviour rather than assuming every young driver is at risk of making a claim.
If there ever was a way to get the cheapest insurance for young drivers, then black box insurance is top of the list. In fact, drivers aged 17-21 with zero no claims could save an average of £1,282 by choosing black box insurance over a standard policy (based on quotes generated by uSwitch between November 2016 and January 2017).

4. Pay per year, not per month

With the average car insurance premium for young drivers into the thousands of pounds, it can be tempting to stagger payments rather than shelling out for the cover all in one go. It’s usually much cheaper to pay for the whole year in advance rather than paying monthly, if you can afford to. You’ll avoid the monthly interest charges and could save a substantial amount.

5. Consider increasing your excess

Choosing to pay a higher voluntary excess on top of the compulsory excess you’re quoted — the amount you’d have to pay up front if you made a claim — can significantly reduce the cost of your car insurance. However, make sure you’re able to afford to pay the excess if you do have an accident — young drivers with little money could struggle to stump up £500 or more after a crash. Furthermore, statistically speaking, young drivers are more likely to make a claim within the first year of driving, so beware that you could end up forking out the higher voluntary excess early on.

6. Think about the level of cover you need

Comprehensive car cover is normally the most expensive type of car insurance — it covers both your car and other vehicles if you have an accident. Third-party cover — the most basic level of cover — covers claims against you if you’re involved in an accident and injure someone. It also covers the cost of repairing or replacing the other person’s car, but not your own. Assess how often you plan to drive, what you can afford to cover, and what type of superficial car damage you might be prepared to live with. Learn more with our guide on the different types of car insurance.

7. …but don’t assume third-party is the best insurance for young drivers

It pays to compare quotes with different levels of cover before you buy. According to the Association of British Insurers, the average third-party, fire and theft premium is more expensive than comprehensive cover because it’s often chosen by younger drivers with a tendency to make larger claims. Bear this in mind before you compare car insurance for young drivers. Also, don’t search for cheap car insurance for the price alone. You still need to assess what type of cover it is you need. Sacrificing quality of cover over the price could end up costing you more in the long term.

8. Add a named driver, but beware of ‘fronting’

You can reduce car insurance costs by adding an extra named driver to the insurance policy – especially if they’re older and more experienced on the road, regardless of whether they are male or female, although you should avoid those with points. Putting the policy in a parent’s name, with the young driver as a named driver when they’re actually the main driver – known as ‘fronting’ – is illegal and can result in insurers rejecting claims.

9. Increase security and limit risk

Adding extra car security features, such as an alarm or immobiliser, can often help you get cheaper cover. Car insurance can be cheaper still if you park your car in a garage or driveway overnight rather than leaving it on the street as insurers see this as a further way of minimising risk.



Referenstion: Usswitch