So I called the owner of the broker company who told me that he would gladly backdate the policy upon the notion that AIG would accept it and they said that they would. Then the owner called me back stating that his broker that issued the policy already gave a recorded statement to the insurance company stating that he did not remember us requesting the added driver to the policy so he can’t help us or he would lose his license as a broker by recan’ting on a recorded statement so he then told me to make the adjuster take the recorded statement off the record and they will do it but it is illegal to even ask them to do that. Our Policy has canceled several other times due to this broker not turning in the proper paper work to AIG. I need help I have went through all the chain of comands and the california insurance board what is left??

Best answer:

Answer by KILROY was here
Do you mean back date a police to cover a driver that wasn’t on the policy at the time of an accident? That would be insurance fraud. If you had legitimately provided the name and the broker failed to add them that’s another matter but you are going to have to prove that happened.

What do you think? Answer below!

Best answer:

Answer by Porchdog
21st century insurance has affordable rates

Add your own answer in the comments!

So I called the owner of the broker company who told me that he would gladly backdate the policy upon the notion that AIG would accept it and they said that they would. Then the owner called me back stating that his broker that issued the policy already gave a recorded statement to the insurance company stating that he did not remember us requesting the added driver to the policy so he cant help us or he would lose his license as a broker by recanting on a recorded statement so he then told me to make the adjuster take the recorded statement off the record and they will do it but it is illegal to even ask them to do that. Our Policy has canceled several other times due to this broker not turning in the proper paper work to AIG. I need help I have went through all the chain of comands and the california insurance board what is left??

Best answer:

Answer by cwomo
You are in-deed between a rock and hard place. Since you have been to the insurance board you probably have one possible remedy (an appeal to the board not withstanding) left – a civil suit. Talk with a lawyer and explain the case in-depth as well as presenting him any proof of your statements to them. The lawyer will be able to help you determine if that is the route to go and if you have exhausted all routes of remedy. You have been hurt, to what degree I don’t know, by the agent’s actions. The fact that he has several mistakes concerning your insurance in the past, his offering to commit an illegal act on your behalf as well as his soliciting you to commit a illegal act has to make a person wonder how many other people he has placed in this situation. If AIG is aware of his misdeeds and has done nothing to correct them then they are also a part of the problem. Bottom line – sit down and talk with a lawyer and get good advice on what to do. And, I would be shopping for a new agent and insurance company.

Give your answer to this question below!

I need To finish these by tomorrow morning…i have most gut i need to check if im right. Work would be great …:)

Question Details:
1) A firm believes the internal rate of return for its proposed investment can best be described by a normal distribution with mean 32% and standard deviation 3%. What is the
probability that the internal rate of return for the investment will be at least 27.5%?

2) Farmers often sell fruits and vegetables at roadside stands during the summer. One such roadside stand has a daily demand for tomatoes that is approximately normally distributed with a mean equal to 459 tomatoes per day and a standard deviation equal to 30 tomatoes per day. If there are 417 tomatoes available to be sold at the roadside stand at the beginning of a day, what is the probability that they will all be sold?

3) The board of examiners that administers the real estate broker’s examination in a certain state found that the mean score on the test was 579 and the standard deviation was 72. If the board wants to set the passing score so that only the best 10% of all applicants pass, what is the passing score? Assume that the scores are normally distributed.

4) The amount of time it takes a student to walk from her home to class has a skewed right distribution with a mean of 12 minutes and a standard deviation of 2.3 minutes. If data were collected from 30 randomly selected walks, describe the sampling distribution of x,the sample mean time.

5) A survey of 500 non-fatal accidents showed that 222 involved the use of a cell phone. Construct a 99% confidence interval for the proportion of fatal accidents that involved the use of a cell phone.

6) In a recent study of 95 eighth graders, the mean number of hours per week that they watched television was 18.7. Assume standard deviation = 5.5 hours.

a) Find the 95% confidence interval of the mean.
b) If the standard deviation is doubled to 11, what will be the effect on the confidence interval?

7) In order to set rates, an insurance company is trying to estimate the number of sick days that full time workers at an auto repair shop take per year. A previous study indicated that the standard deviation was 2.2 days.

a) How large a sample must be selected if the company wants to be 90% confident that the true mean differs from the sample mean by no more than 1 day?
b) Repeat part (a) using a 95% confidence interval. Which level of confidence requires a larger sample size? Explain.
The principal at Lakewood Elementary would like to estimate the mean length of time each day that it takes all the buses to arrive and unload the students. How large a sample is needed if the principal would like to assert with 90% confidence that the sample mean is off by, at most, 7 minutes. Assume standard deviation = 14 minutes.

9) In a college student poll, it is of interest to estimate the proportion p of students in favor of changing from a quarter-system to a semester-system. How many students should be polled so that we can estimate p to within .09 using a 99% confidence interval?

10) In a survey of 10 golfers, 2 were found to be left-handed. Is it practical to construct the 90% confidence interval for the population proportion, p? Explain.

Best answer:

Answer by Karthik S
Jesse,

Thanks for your message. I can definitely help you with these questions and here is my profile and please contact me at my email:

Statistics Online Tutor,Statistics Homework help,Math Online Tutor,Math Homework help,Chemistry Online Tutor,Physics Online Tutor,AP Chemistry Online Tutor,AP Physics Online Tutor,Calculus Online Tutor,Precalculus Online Tutor,Algebra Online Tutor,IB Chemistry Online Tutor,IB Physics Online Tutor,IB Math Online Tutor-Karthik Shanmugam-Contact me for help.Please.

Hi,

I am Karthik Shanmugam, and I am providing Online tutoring
in Math,Chemistry and for competitive exams like SAT,
GRE,GMAT,MCAT,DAT. I tutor Math, Chemistry, and Physics
for all grades up to College levels and I also tutor AP
subjects.I can help you with your school homework assignments
and also the quizzes on a regular basis. I am very much
familiar with AP and IB curriculums and I can tutor any
topics in Math,Chemistry and Physics.

I have several years of tutoring experience and I am
tutoring via online for around 6 years. I am working as
a professor in a private College.I am providing Online
tutoring via yahoo messenger voice chat and by using a
digital whiteboard.

I will assign lot of homework assignments after each session
and also there will be periodic quizzes. Students progress is
completely monitored on a regular basis. Please contact me
at my mail for a free demo class.

All my sessions are highly interactive and personalized
one-one sessions.

My charges are very reasonable and I charge only 8$-10$ for one hour
online tutoring session and If you are interested
please contact me for a free demo class at karthikshantutor@yahoo.com.

I have started this to help students who really need help
in Math and Science.

My tutoring pedagogy involves teaching the fundamentals
and I believe in the principle of

“Learning Fundamentals ensures success”.

I have also written books for SAT, Math. Many of my
students have scored very good grades and won the
presidents scholarship
etc…

If you are interested send me an email at

karthikshantutor@yahoo.com

You can reach me online at

Skype: karthikshanmugam2006, Yahoo ID: karthikshantutor

Visit my website at: http://mathonlinetutor.googlepages.com/

Note: I am available in skype daily from 6 PM – 12 PM for a free discussion
about your tutoring needs. Lets meet online in skype and discuss your
tutoring needs.

Visit my website:http://mathonlinetutor.googlepages.com/

www.onlinetutorsite.com

Thanks & Regards,

KARTHIK SHANMUGAM

Give your answer to this question below!

What is the best avenue in seeking a Certified Public Accountant who also will serve as a financial advisor (planning and counseling). I need one who is in Atlanta, holds his/her CPA, patient with me as I do ask a lot of questions, but i have to understand, and sometimes it takes me longer to understand “things” because I am not a financial wizard. My husband and I do make a tremendous income (we are fortunate), and we DO not have any debt outside our mortgage and one car payment, and we are currently aggressively paying down our mortgage, and since my first payment, we have made additional payments each month where we will actually pay our car off in one year, and with it only 1% interest, we are not focused on it too much right now). I share this b/c it seems that if I call my insurance agent, current broker, and/or anyone else we have money invested, I get on their nerves (seems like they don’t want to hear from me, but lovemy “auto” renewals). Help. I need direct guidance.

Best answer:

Answer by derek
Check with the AICPA and search for a CPA that holds their PFS desingnation (Personal Financial Specialist).

There are several in Atlanta.

Give your answer to this question below!

My son was involved in an auto accident in August. The other driver was driving a company vehicle. The small business he works for is in Illinois and the collision took place in Missouri, where we live. According to my son and an unbiased witness, the other driver was clearly at fault. They did not call the police and after they exchanged insurance information the guy gave my son his business card and said to get an estimate and give him a call. It sounded to me like the guy knew he screwed up and there wouldn’t be a problem but I should have known better. I was never able to reach him at work so I called the broker their company uses and finally got in touch with someone from their insurance company (which I think is based in Ohio) and filed a claim. Apparently the other driver changed his mind by the time he gave a statement to his insurance company and now his insurance company is refusing to pay the 00 to fix our car. They decided that they don’t think their client was at fault. When I last spoke to the other guy’s insurance company I told them that I was going to file a lawsuit and they told me to go ahead and do that. We carry only liability so my insurance company won’t pay anything – but they did agree to record a statement from the unbiased witness for me and are in the process of transcribing and mailing that to me.
FINALLY, MY QUESTIONS ! I have the forms from the small claims court but I don’t know who to name as the defendant(s). Do I name the business who owns the vehicle, the driver himself, or the insurance company ? Also, since me and my husband are named on the title of the car my son was driving who is/are the plaintiff(s) ? Can I file this petition myself by telling what he and the witness said happened or does my son have to fill it out (he is away at college now) Do I have to name my husband on the form and if I do will he have to be in court and will my son also have to come home from college to be in court ?
Thanks in advance, sorry this was so long.

Best answer:

Answer by San Diego Art Nut
This is just speculation but I would say since you and your husband are hurt financially then you would be the plaintiffs. Your son and, if possible, the witness should come to court to present their version of the incident.
I don’t think there is a limit on the number of defendants and you can win a reward from one or all. I don’t think the award can exceed your loss. Name the person driving the other car and the chief executives of his company and the insurance company. Small claims is people facing people.
Good luck. The tough part is demonstrating fault. Take an out of court settlement if offered.

Give your answer to this question below!

I would LOVE help from a mortgage broker!! With the economy the way it is right now, many housing builders around me are advertising that they are willing to work with you to get approved. I had GREAT credit for a long time, 2 years and 11 months of never a single late payment on ANYTHING. And I’ve posted here about trying to raise my credit because thanks to an accident in November and a pending lawsuit against my auto insurance company who is trying not to pay, my credit score took a nose dive thanks to collections for the month long hospital stay coming to about 0 on my report. But I am trying to negotiate a PFD with them, and if I do my credit score should increase by at least 94 points… If I just pay them off it doesnt increase at all and I have a scores ranging from 589 to 621. My husband and I are moving to a rural area that are eligible for USDA mortgage loans that require 0 down and are for people with low to median wages for the area. Right now we make about ,000 but I am about to change companies, keeping my same job, and we are going to be at about ,000. Our monthly debt isnt high. Would any company be willing to work with me like this??
We are looking at houses in the 90-110ks. And also, none of my accounts are past due now either. Just the medical bills hanging in the balance thanks to the lawsuit.

Best answer:

Answer by loanmasterone
You should dispute this medical account with the credit bureaus. If you do decide to pay them off have them sign and agreement that the debt is “PAID”

Most lenders will understand the medical debts and might require a written explanation concerning this debt.

In order to find out the type of loan programs you are qualified for you will have to fill out a loan application, with a mortgage broker, which you can find one in your local telephone book.

Make sure this mortgage broker or mortgage banker is able to do government loans such as FHA and VA loans if you qualify for one.

He will fill out this application, which takes awhile so grab your favorite beverage and sit down. Once you have completed the application, he will run your credit report which will have your credit scores. These credit scores will determine your interest rate.

The amount of your monthly debt payments you are required to pay as per your credit report and the amount of mortgage you can take on based on your income will determine the amount of house you will be able to purchase.

When you speak with the mortgage broker you will need the following documents to complete the loan application, there will be others, but this will get you started.

#1 One month of pay stubs for each person that will be on the mortgage.

#2 Six months bank statements from each bank in which you bank as well as statements from any 401K from you place of employment.

#3 Two years of federal income tax along with the W-2 that match.

Once he has all that he need to do he can then issue you a pre-approval letter so you can purchase a home. In this pre-approval letter will be the amount of house you are qualified to purchased.

Once he gives you this pre-approval you may now find a real estate agent to find yourself a home or he might have a referral.

Now make sure before you get your pre-approval you and your mortgage broker go over all your options as to the mortgage programs you qualify for, the interest rate, monthly payments.

If you are getting a FHA, fixed rate, two loans to eliminate PMI like an 80/20 or one loan, if you are qualified for and approved for a 100% loan.

You should select the loan that best suit your financial condition at the time. That could be an adjustable rate loan. It could be a fixed rate loan for 5 or 10 years and then adjust. Some adjustable rate mortgages only adjust once.

Make sure your mortgage broker explain all your options so you may make an intelligent decision.

What might be good for one person might not be good for you, in other words just because your friends and all your real estate buddies are telling you about the great fixed rate they got, your financial situation might call for something else.

So select the best option for you and your financial situation.

You should also get a Good Faith Estimate (GFE) which will indicate the cost you will have to pay for getting this loan. It will also indicate the amount of your down payment.

Once you have found a home the real estate agent will then prepare a contract for you and the seller to sign.

Your mortgage broker will now order an appraisal to show proof of the property value.

The mortgage broker might ask for additional information or documentation, don’t get all up tight this is normal, just supply the information or find the documents needed.

After the appraisal has been completed you will be called by your mortgage broker to sign your loan docs so you can take possession of your new home.

Before signing any loan docs make sure they say exactly what you and your mortgage broker went over when you decided on what mortgage program was best for you.

I hope this has been of some use to you, good luck

“FIGHT ON”

What do you think? Answer below!

1995 thru 2004 to Other Countries for Loans, Grants & Military aid? (188 Trillion+ $’s) http://qesdb.usaid.gov/cgi-bin/broker.exe <<<>>> whithout Expectation of any sort of re~payment before we secure our own Boarders, repay Money misappropriated (for Decades)from Social Security, repair Our Own Infrastructure and institute a Nationwide Medicare Program for ALL Americans to receive the Best in Medical Care?? as well as a National Auto Insurance Program…. everything being paid for with current Tax revenue’s?

Best answer:

Answer by godoompah
the benefit of knowing other humans in other countries arent starving to death and dying from stupid, easy to cure diseases.

Give your answer to this question below!

I work for a interstate auto carrier based in California. We contracted a load from an auto broker company based in Arizona. One of my truckers picked up a vehicle and delivered it damaged. We worked with the customer and got it repaired. The auto broker said they will not pay the money owed to us until the repair is done. After the repair was finished, they claim that the load was dispatched out to our company and not to our contracted drivers. So they are trying not to pay. Most of our drivers are independent truckers, who owns their own truck and trailer and pays for their own insurance, whom are contracted to work for us. We have signed contracts with our drivers. Even all the documents used are in our company name and not the independent contractors name. Even the bond company denied our claim. Will I be able to sue this other company?

Best answer:

Answer by I_Have_all_the_answers…
1. Call a lawyer
2. Tell the lawyer everything you just listed
3. Ask the lawyer if he/she thinks that you have a case….

What do you think? Answer below!

I want to start up a financial consulting business. I have 3 questions.

1) Does anyone know of a broker dealer who will sponser me, along with a ball park estimate of fees I would have to pay for the sponsorship.

2)Second question is how can I go on about selling auto insurance along with securities and life/health insurance? What license would I need for the auto insurance?

3) Approximately, what is the commision structure for like for auto insurance?

Thank you very much for reading, I look forward to hearing from you.

Best answer:

Answer by Fred S
go to TFSweb.com, ask for Tom Hyland. They will set you up and answer all your questions in detail.

Give your answer to this question below!