Want to Keep Ahead of Insurance Fraud? Here Are 5 Steps You Need to Take

Many people take out an insurance policy to make their family is taken care of in the event of the insurance holder’s death. The money can also be used financially to support families during crises like natural disasters or injury that results in an inability. It’s important to conduct a security assessment on insurance policies, especially if an unauthorized person is looking to utilize insurance policy funds. You can avoid insurance fraud and put money aside for emergencies, lifestyle changes and health issues by keeping these suggestions in mind.

insurance fraudPhoto courtesy of Everydayplus @ freedigitalphotos.net

Check the Company’s Rules for Fraud

One of the best things you can do is ask your insurance company what steps they have taken in the past to prevent or stop fraud. Talk to company representatives about the action plan for insurance fraud and make sure you understand all the security measures that are in place to keep scammers from accessing your policy.

Report Correct Information

You can also prevent fraud by not committing it. While you likely don’t intend to provide false information to your insurance provider, there are times when you may answer questions in a way that will save you money, even if the information is not completely correct. For instance, if you live in New Jersey, you may insure your car in Pennsylvania so you won’t have to pay a higher price for the insurance. If you get in an accident, it may take longer for you to get the compensation you deserve if all the information on your policy isn’t correct. It’s also best to disclose all the drivers on your insurance policy and to let your insurance company know if you use your vehicle for commercial purposes.

Check Your Policy Often

When you keep up with your policy and make changes as needed, you can avoid fraud. Scammers may not be aware of pertinent details that can give them access to your money, so this helps to protect your policy. If you need to add a child or grandchild to your life insurance policy as a beneficiary or need to update your will, it’s important to do this as soon as you can so the right people will benefit from your policy.

Keep Your Policy Confidential

Don’t share the details of your insurance policy with everyone. You should only inform family members you trust about the details of your policy. For instance, your spouse should know your final wishes and how to allocate policy funds. If you are aware of your parents’ or grandparents’ insurance policy, don’t share these details with other family members unless you are advised to do so. Even then, use discretion so the information doesn’t get into the wrong hands.

Take Advantage of Technology

The economy and the insurance market are constantly changing, so you should be on top of these changes to prevent fraud. Be sure all your online documents are secure or encoded so that unauthorized persons won’t have access to them. You should have paper and electronic copies of all your claim documents and ensure each page has a valid signature.

John Cutter Investigations can help you with the legal issues associated with insurance policies so you can avoid being a victim of insurance fraud. The John Cutter team will investigate all claims and details concerning your insurance policy to determine whether the policy is valid and to verify the benefits you should receive.

Moving to a New Area? Here Are 8 Ways to Get Rid of All the Junk You’ll No Longer Need

More stuff packed onto the moving truck leads to a higher cost to move everything. Once it’s at the new house, any added clutter will need to be dealt with anyhow. Instead of wasting money and packing things that aren’t really needed, it might be a good idea to look into different ways to get rid of junk before the move.

get rid of junkPhoto by Annie Spratt on Unsplash

Rent a Dumpster to Declutter

For a large declutter job, it might be a good idea to rent a dumpster. This makes it easy to go through everything in the home and toss what’s no longer needed. Those who are getting ready to move and want to declutter first can visit dumpsquadusa.com to learn more.

Pack Up Items to Donate

Many different charities will accept donations, so this is a great option for things that aren’t needed anymore but are in great shape. Pick a charity that can ensure those who may need the item will be able to get it easily.

Sell Items Online

If the items are still in good shape, it might be possible to sell them online. There are many different options for this, depending on the type of item, and it can help bring in some extra money before the move. Always be safe when selling online to avoid scams or theft.

Hold a Garage Sale

Garage sales can be an excellent way to get rid of stuff that isn’t needed anymore and make a little extra money. Plan the garage sale for a day with nice weather so there will be more people out looking for a bargain.

Hold a Swap

A community swap allows neighbors to all bring their unwanted items and leave with items they want, without spending any money. Consider holding one to help your neighbors declutter as well.

Look for Free Groups Online

Look for a local group that allows those in the area to post things they are giving away for free. Those who may be able to use the items can then come to pick it up. Don’t want to wait for people to get there? Put the items at the end of the driveway and post a curb alert.

Repurpose Old Items

Some items may not be needed as-is anymore, but they can still be useful if they’re reused. Old clothes, for instance, can be cut up and used as cleaning rags. This is perfect before a move because they can be used to clean the home and get it ready for the next occupant.

Start Composting

Need to get rid of a lot of paper and other biodegradable items? A composter is an excellent choice. Purchase a composting bin so it can be moved to the new home easily and let the items start breaking down. At the new house, the resulting soil can be used in the garden.

When it’s time to clear out a house, there are many different ways to get rid of the junk and make sure as little as possible is moved. Try out a few of the ideas here to get rid of anything you don’t need long before the move. You can save on moving expenses and may be able to make a little bit of money at the same time.

Three Things All Teens Should Know When Learning to Drive

learning to drivePhoto by takahiro taguchi on Unsplash

Learning to drive is about more than learning how to accelerate and brake, use your turn signals and squeeze into a tight parking space. It also involves learning how to deal with the many different circumstance that you can encounter when on the road. If you are a teen learning to drive, you should especially know how to handle the following three situations:

1. When a Police Officer Stops You

If a police officer flashes blue lights, you should pull over to a safe spot as quickly as possible. Stay in your car and wait for the officer to approach your window. Do not get out of your car or make any sudden movements that will alarm the officer. You should be ready to provide the officer with your driver’s license and vehicle registration upon request. Also, you should be calm and polite throughout the course of the stop and answer the officer’s questions as clearly as possible. Never argue with the officer. If you believe the officer made a mistake and/or issued you a ticket that you did not deserve, you should save those arguments for traffic court.

2. When Your Driver Is About to Drive Under the Influence

Consuming any amount of alcohol can affect a person’s mental and physical faculties and increase their risk of getting into an accident. For this reason, you should never get into a car with anyone who has drank alcohol (or used a controlled substance such as marijuana). Call a taxi, Uber or Lyft instead. You should also reach an agreement with your parents that allows you to call them for a ride in this situation. You should also do your best to convince the impaired driver to find a different way home.

3. When You Get into an Auto Accident

If you are involved in any type of car accident – even a minor fender bender – you should pull over to a safe area. If possible, you should check on the condition of everyone in your car and the other car. Next, call the police. You will want an officer there to secure the scene and investigate the crash. Make sure to get the other driver’s name, insurance information and contact information. Do not admit fault or blame the other driver for what happened. You should also try to get photos of the accident and the names and phone numbers of any witnesses. Finally, tell your parents what happened and see a doctor as soon as possible. You should be thoroughly checked for any injuries you may have suffered in the crash.

Lamudi Affordable Housing Fair

For its second installment this year, Lamudi is bringing its Lamudi Affordable Housing Fair to the Glorietta Activity Center this July 20 to 21, 2019. Aside from bringing together individuals and groups from all ends of the real estate industry, with top property developers, property buyers, financials and government institutions participating, Lamudi Affordable Housing Fair in Glorietta will offer property seekers a unique opportunity to choose from an extensive selection of real estate. The event will also be a great opportunity for industry professionals to elevate their footing in the industry through the various learning opportunities in store at the event.

Housing Fair to the Glorietta Activity Center this July 20 to 21, 2019. Aside from bringing together individuals and groups from all ends of the real estate industry, with top property developers, property buyers, financials and government institutions participating, Lamudi Affordable Housing Fair in Glorietta will offer property seekers a unique opportunity to choose from an extensive selection of real estate. The event will also be a great opportunity for industry professionals to elevate their footing in the industry through the various learning opportunities in store at the event.

housing fair

The Lamudi Affordable Housing Fair in Glorietta follows the successful housing fair that was held in TriNoma last April 6 and 7, 2019, which was attended by more than 3,000 property seekers and brokers. The exhibitors were SMDC, Aspire by Filinvest, Futura by Filinvest, Prestige by Filinvest, The Hauslands, Amiya Raya, Taft Properties, Robinsons Communities, BPI Family Housing Loan, Grand Monaco, Ortigas & Company, Phinma Properties, Pag-IBIG Fund, Sandari Batulao, and Suntrust. The Subdivision and Housing Developers Association, Inc. (SHDA) was the official Event Partner with Media Partners Business World, Business Mirror, Malaya, Inquirer, and Philippine Star.

On top of the affordable property selections, there are a lot more in store for property seekers during the two-day event.

housing fair agents

Free Home Buying Seminar

Like previous Lamudi housing fairs, there will be a free home buying seminar for aspiring homeowners and real estate investors to be conducted by the experts. Knowing the right way to approach this all-too-important process of home buying is going to help homebuyers tread it with great ease.

Property Discounts and an Auction

For those who are looking for more affordable options, Lamudi Housing Fair in Glorietta will also host an auction. On top of that, property buyers who will attend the housing fair will also be treated to freebies and exclusive discounts they won’t find elsewhere.

Real estate professionals will also find attending the housing fair to their advantage.

housing fair guests

Optimizing lead generation channels

Online real estate marketing experts from Lamudi Academy will teach attending real estate brokers and agents on how to make the most out of the various digital channels that today’s property buyers are exploring through the Top Online Lead Generation Channels course. The course will give you the low down on each digital channel and will provide tips on how you can use them to your advantage.

Harnessing the power of Lamudi

As the number one real estate platform in the country today, the Lamudi Academy coaches will also teach you how to make the most of Lamudi. Lamudi is a trusted brand and learning how to use this to your advantage will ensure that homebuyers trust you and a step to selling them your property listings.

Aside from learning valuable insights through these courses, you will also get the chance to network with other real estate professionals and potential property buyers. The best part of all is—attendance and the trainings are all free of charge!

Networking opportunity

Apart from the free online real estate marketing lessons courtesy of Lamudi Academy, Lamudi Housing Fair in Glorietta will also be a convergence of the biggest players in the local property sector—from property developers, financing institutions, and government agencies—as well other real estate professionals that might all contribute to your own body of knowledge.

Continued local orientation

With the prominence of digital as the primary search avenue for property seekers, the value of personal interactions and the building and maintaining of relationships between real estate professionals and their clients will continue to be invaluable Potential buyers will eventually want to speak with a broker or agent and see a property in person.

According to Lamudi’s visitor data for 2018, property seekers from Makati account for the second largest market of visitors, as well in leads. This means there are a sizable number of users in the city who repeatedly went on the website to look for property, and are also more likely to drop by the housing fair to further explore the real estate options available to them.

In addition to this is the substantial amount of foot traffic typically seen on weekends in the Glorietta, from mall-goers who won’t miss the sight of the Lamudi Housing Fair.

Some of the developers and financial institutions that will be exhibiting their offerings are SMDC, Lancaster New City by ProFriends, Federal Land, DMCI Homes, BPI Family Housing Loan, Aboitiz Land, Grand Monaco, PA Properties, Megaworld Prime RFO, Camella Homes, Polintan – Agpasa Engineering and Architectural Design, UnionBank Credit Cards, Phinma Properties, Calmar Land Development Corporation, Aspire by Filinvest, RCD Land, CDC Holdings, Inc., Futura Homes by Filinvest, and Food Panda.

SNDC is a Premium Sponsor. The event’s Major Sponsors are Lancaster New City by ProFriends and Federal Land. DMCI Homes, BPI Family Housing Loan, Aboitiz Land, and Food Panda are Minor Sponsors.

5 Stylish Yet Affordable Home Makeovers

home makeoversHome makeovers: Photo by Alexandra Gorn on Unsplash

Part of owning a home is breathing fresh life into it every now and then. Maybe you just bought a new place, and the previous owners or developer has a different aesthetic from yours. Maybe you have had the same wall décor for the past ten years now. Either way, the question remains the same: how can you change the look of your home without shelling out big bucks? Never fear! Here we have 5 ideas for stylish home makeovers that will not break the bank!

1. Add Greenery

A tried and tested way of livening up a home is to introduce some indoor plants. Both flowering and non-flowering plants are great options to brighten up a living room or any other space. For potting options, you need not be stuck with run of the mill terracotta pots; you can just as easily get plants to thrive in hanging baskets, window planters, or even buckets and basins. Want to be practical? Try spicing up your kitchen with a mini herb garden that will supply you with some of your culinary needs.

2. Light It Up…Differently

Lighting can make or break a room, or in this case, an entire home. Banish the flat, glaring illumination from boring fluorescent fixtures and switch to fixtures that give a softer glow. Try LED lights, floor and table lamps, or even colored spotlights. Creativity is the limit when it comes to lighting options: you can go classic vintage with lava lamps or capiz-shell lanterns, or quirky and edgy with neon-colored tubing and black lights. Got a smart home? Program your new settings into the home assistant and you are good to go!

3. Spruce Up the Soft Stuff

Chances are, your sofa is more than just a comfy piece of furniture. It’s probably among the first things your guests notice when they enter your space. Play up the star of your living room by kitting it out in the colors and fabrics of your dreams. It can be as simple as changing the throw pillows to more interesting designs (or even just adding throw pillows to begin with) to as thorough as ordering new seat covers and cushioning. You can do the same with armchairs, chaises, and other soft furnishings. Want a new accent piece? Consider breaking up the living room into small nooks with creative seating arrangements such as a wicker armchair beside a table of easy reading books.

4. Jazz Up the Walls

Who says that you must stare at a blank wall every time you are home? Make the use of this expanse of space by adding shelves that will display your treasured collections of books, records, prints, or whatever other knickknacks you are itching to exhibit. Not into displaying your stuff? Consider covering the walls with fabric (all you need is a staple gun or good adhesive), or with pieces of art. A bonus to picking art is its value as an investment; you never know when that abstract painting from a new artist will shoot up in value!

5. Strip and Refinish

If you have a little more money to spare, one other aesthetic change and investment you should make to your home is to redo the finishing on countertops, cabinets, and even the bathroom. Take the time and money to hire someone to strip away the old varnishing, paints, and tiling, before you install something new. Tired of wood finishing? Redo everything in metal or chrome. Want something more natural? Try marble countertops alongside natural stained and water-sealed wood cabinets. Freshening up the finishing on your surfaces also extends their life and helps protect them from damage due to water, heat, or being subject to heavy falling objects. This is important if you intend to rent out or even sell your home down the road.

Improving and making over your home is more than just a personal project for you and your family’s comfort. It can also help reduce costs due to constant repairs or fixing damage from unfortunate events. Home makeovers also increase your property’s value, making it attractive for renting or selling. With that, we wish you luck and happy doing over!