Claiming Both Car Insurance Spectrum

 

With internet making everything a hundred times easier and more accessible, people taken to shopping online, renting movies and even purchasing things as important as car insurance online as well. As stated in an article found in the Boston Globe, Plymouth Rock offers customers on both ends of the buying spectrum the opportunity to buy and manage car insurance online as well as speak to an agent in person. In Massachusetts tangible agents still run two thirds of the of the market. Even largely known online companies such as Geico and Progressive have entered the agent centered insurance game. An internet survey done in 2014, nearly 60% of car insurance was bought through an agent either in person or over the phone. Plymouth Rock’s strategy seems to be a good move seeing as it is still widely custom for agents to get most of the business while offering online services includes the rest of the population who would rather sit at a computer than in an office.
James Stone, founder and CEO of the Boston based business has spent the majority of his life dealing with insurance world and studying economics. After obtaining his bachelor’s degree in 1969 from Harvard University, he continued on to obtain his PhD from Harvard in 1973. Before earning his higher degree his undergraduate work and papers on the economy won him two separate awards.

After leaving Harvard as a student in 1973 he was appointed as an economics lecturer and also consulted part time for the insurance industry. By 1975 he was appointed by the governor to be Insurance Commissioner for the commonwealth of Massachusetts. He continued his career in government insurance and quickly became chairman of the United States Commodity Future Tradings Commission in 1979. In 1983 he finished his time in Washington and returned to Boston where he would start his company, Plymouth Rock. Stone has been working in the insurance world for decades. It comes as no surprise that his company would be one of the first to meld agents and online insurance together to help suit his customers needs.

Christian Broda on the Dynamics of Economics

Anyone who has studied distribution and production of goods services and products is an economist. It’s important for an economist to have adequate knowledge in financial management. Students who are good in mathematics, statistics and research make excellent economists.

There are corporate, government, finance, macro-economist and academic economists. Their functions include carrying out market research and providing information that determines the pricing and marketing of goods and services. Another function is analysis and collection of data that helps the government budget. Economists do research and post their findings on journals and books. They also use data to predict the future market trends. Calculation of worldwide financial currencies, trade policies and exchange rates is also a function of an economist.

Christian Broda is an economist who undertook his bachelor’s in finance degree in Universidad de San Andre. He later joined Massachusetts Institute of Technology where he did his masters and doctorate. He started his career as an associate economics lecturer at the University of Chicago. He then became a tenured lecturer at the same university until 2010 when he joined Barclays Capital as a Chief International Economist.

Mr. Broda is currently the managing director of Duquesne Capital Management. His vast knowledge in economics had enabled him to write trade and economic books. He is also a columnist for the Quarterly Journal of Economics and the American Economic Review. Christian is based in New York where he stays with his wife and two sons.

Economists use reports, chats, tables and graphs to gather and analyze information. They also perform historical research and use the information to predict the future. Through studying the money market and banking system an economist can predict the economic effect caused by changes.

Aside from having an educational background, economists are expected to have good communication skills. The skills come in handy in explanation of their data and findings to those who do not understand the graph and statistic representations. Skills in analysis also helps economist study emerging and changing patterns and provide logic solutions.

To enjoy a lucrative career in economics it’s good to network. Networking gives an economist the opportunity to meet people who can need their services in the near future. Joining economic associations is a good start. Work experience makes it easier for an economist to learn on the field. It’s also a chance to apply the knowledge gained in a practical setting.

According to economists, new laws and policies have significant impact on citizens of a country. It can help in development in the environment, education, health and agriculture sector. The importance of economist in the society is wide because their work and skills are applicable either directly or indirectly to every sector.

Finding Love Online With Skout

Nowadays, online dating has become the norm in our society. That’s because people are too busy or have too many other commitments to go out there and meet someone in the real world. There is nothing wrong with that. It doesn’t make them a recluse or anything of the sort. In fact, it makes them quite normal. Online dating has gotten easier in recent times and it’s all thanks to apps that really care about helping their users to meet new people and potentially find love.

Online dating opens up a whole new world right at your fingertips! People are able to connect with those that they never would have met otherwise. It’s a chance to make new friends and possibly more. Relationships grow and prosper online because there isn’t all that pressure that there is when two people date face-to-face. Not all online dating apps are created equally and that’s why it’s important to do research and choose the right one.

Skout is one of those good ones. First and foremost, their goal is to keep you safe. Online dating can be scary because you never know who’s on the other end of that computer. Skout takes extra precautions to make sure that nothing will go wrong. The premise of Skout is pretty simple. You chat with users that are in close proximity with you. This makes it easier to meet in the long run. Skout offers many profiles that you can view. Therefore, you can decide if their looks and their interests are a match for you. After matching up, the two people have the option to message each other or video chat. They can eventually make plans to meet up once they feel comfortable!

One of the coolest features of Skout is shaking your app to get connected with someone somewhere in the universe, randomly. It’s so fun because it’s giving you a chance to meet someone new. It’s giving you a chance to meet someone you never would have met before otherwise. It’s a way to meet new people and get a glimpse into different life styles and cultures.

Skout has many users therefore the chances of finding love on this app aren’t bad! There’s so many people looking right at your very own fingertips so why not give it a shot? Overall, it’s a great little app for online dating. It takes the pressure off of dating in person. People are more inclined to open up and share their feelings on this app. That’s a great way to get to know someone. This app is also really simple to follow! That makes it perfect for those who are just starting online dating. There’s no complicated rules or profiles to set up. It’s all straight forward. It’s also great for the more experienced online daters because it’s connecting them to so many users! Overall, you can’t go wrong with looking for love through this app. Good luck, and here’s to finding the one!

FreedomPop: A New Way to Get Free Mobile WiFi Plans

There’s a brand new mobile data carrier that is competing with the larger mobile carriers. This new company is called FreedomPop. FreedomPop buys and uses data centers that are already out there such as Sprint, TMobile, and ATT and gives their customers amazing deals on this data. This company, which has over 1 million users, has a basic business model which allows users to use mobile data off of their purchased data free of charge and then upsells various other services. FreedomPop will allow its users to use a small amount of data, talk, and messaging and gives them the opportunity to buy more . For example the basic customer will receive 200 minutes of calls, 200 text and 200MB of data for absolutely free. This mirrors most carriers’ basic mobile plan. If the customer wants to increase these numbers, the customer will have to pay for this increase. What is even more interesting with Freedompop, they offer both international and regional calling plans. They are also offering service to multiple different phone types, even if the phone is currently out of service. As long as the customer is able to access the wireless capabilities of the phone, they will be able to access Freedompop services. The payment plans increase in brackets of mobile data, calling, and messaging. The first bracket is unlimited data for only five dollars per month. With each upgrade, the service become more and more expensive. According to the Freedom Pop business model, they only need 30% of their customers to pay for the services in order for the company to stay afloat.

As if this all wasn’t amazing enough, Freedompop has just opened up its boarders to include access to mobile data and calling in Europe and the UK. They are starting as a sim-card only plan with their initial plan, as they did in the US, which will be 200 minutes of calls, 200 text and 200MB of data. The best part of the deal, and which is the biggest selling point, is that the customer will be able to get free international calling to 60 countries including all of the European Union. They will also receive free data and calling to any other Freedompop users.

FreedomPop Gets Investments of $30 Million To Expand Their Free Service

In a huge leap toward building their global empire based on free cell phone service. FreedomPop raised $30 million in funding. The CEO and Co-Founder, Stephen Stokols, said that they are growing their business independently and are not looking to sell. Though there have been many offers on the table, they have been rejected due to the companies young 18 months in the business. Their goal is to raise another $50 million in the next year.

The funding they collected will allow them to branch out across the United States and globally. Right now they are just in California, but they are hopeful to get out beyond that area soon. With growth margins at more than 50% for last year, they are optimistic at this point. They hope to have one million users by the end of 2015. They currently are focused on upselling their extra data to cover the costs. Customers get 500 free voice minutes, as well as other services.

They buy minutes from the big carriers, which they resell to their customer base. One reason they can keep their costs so low is how much they pay. They actually pay about 1/10th of what it costs big carriers to keep their lines operational. With such low overhead, they offer great services for free and add-ons for less. Their average cost per person is an amazingly low $5.00. However, the average cost for the big names is about $380 per user. They don’t currently have a huge customer service department, but that is all in the works. They want to focus on their customers having a pleasant experience.

With a start in the right direction, FreedomPop is the company to watch. The ‘bare bones’ cell phone service is what many budget minded people are looking for.

McDonalds Turnaround Plan

McDonald’s announced their earnings today and they mostly disappointed with an 11% drop in revenues when compared to the prior year. This quarter’s decline in sales was the sixth consecutive quarter in which sales have declined and stock investors have taken notice with the stock price declining over the past year despite the overall surge in the market.

The stock price for McDonald’s increased today in connection with an announcement by CEO Steve Easterbrook. Easterbrook announced that the company would be announcing a turnaround plan that they have been currently devising and will release the announcement on May 4th. It was the immediacy of the plan being put in place that appears to have resonated with customers.

Easterbrook has only been in office for 7 weeks but is already making his mark on the company with a plan to make the business more “customer-centric”. McDonald’s stock has suffered as a result of changing customer tastes and what franchisees have called an unwieldy me that attempts to be many things but accomplishes few of the objectives of it.

The fast food industry has been moving towards a higher quality product like Madison Street Capital, that is more natural, tasty, and healthy and McDonald’s has been significantly behind this trend.

Despite the sales reduction, the company was still profitable with earnings per share of $0.84 and strong cash flows. Still, the turnaround and return of McDonald’s dominance is long overdue.

Working With Supermodels Is Both Fun and Not

The book “Have I Said Too Much?” is named with a question to which the answer is yes… The author is Caroline White, who has been a Supermodel agent in many years and had to deal with the most awkward and challenging situations.

Igor Cornelsen (twitter.com) has learned that some of the stories that she revealed are both worth laughing and crying at. From an unnamed supermodel who demanded to see the pilot of the plane to tell him that she did not like the hard boiled egg they served her, to another model missing her plane to Denmark, at which Caroline White had to figure out how to book a private jet. Some stories in the book are about well known names such as Claudia Schiffer who wanted to negotiate the price right before going on the stage for a presentation, claiming a bigger sum. Well chosen moment, but the manager was not the right person, and they promptly replaced the model with another beauty, refusing her service even when she wanted to work for the old price.

Some private information about models paying someone else to hold their bag at the disco, someone really wanting to change her name to 1981, and two models napping in the park in Paris are also in the book.

North American Spine on CW: A Review

North American Spine, a leader in minimally invasive spin care, was featured on CW 33 in honor of their campaign to bring greater awareness to spinal health and wellness. According to PRNewswire, the organization gifted approximately 50 yoga mats to students attending the Robert E. Lee Elementary School in Dallas, Texas.

The mats have been given to children both at the pre-k and kindergarten levels with hopes of generating greater interest in taking care of both one’s mind and physical form. A number of the children face development issues of their own and may especially benefit from the gesture. The CW’s purpose was to document Yoga Recess Day, a nation-wide day started by the Yoga Health Foundation. Students participating were shown some of the basic, easy to grasp, and foundational yoga techniques.

The benefits of practicing Yoga are many. Yoga can help stave off physical aliments including back pain and various forms of physical misalignment. It also promotes exercise, a healthy lifestyle, and appreciation and respect for one’s body. When practiced, Yoga can sometimes offset the need for surgery and medical attention that can occur due to improper care of one’s body. This, among other reasons, is why North American Spine’s initiative has been so well received in the community.

Yoga, even when practiced a few minutes a day, can prevent future back pain and strengthen one’s core muscles. The conditioning it provides can help prevent future injuries as well. In addition, the North American Spine organization promotes the idea of staying active and avoiding a sedentary lifestyle. Movement and energy are cornerstones to the healthier living yoga promotes. In particular, sitting for prolonged periods of time can lead to long term back problems that could become costly down the road.

Source: PRNewswire: North American Spine on CW

Paul Walker Jokes Cut from Bieber’s Roast

As we all know by now, pop star Justin Bieber has taking part in a roast in his honor set to air on Comedy Central on March 30th. And rumors are that the roasters did not go easy on him. And why should they? Bieber is a spoiled, entitled grown-up who still acts like a rotten teenager. Ricardo Guimaraes BMG (cmbh.mg.gov.br) knows that he has been in trouble for stupid, petty crimes like urinating in public and throwing eggs at his neighbor’s home. He has also been in trouble for serious crimes like reckless driving and driving under the influence of alcohol. The boy needs to get his act together before he does something that hurts other people. The roasters joked about Bieber seeing prison sometime in the near future, which might not be too far off.

The digs and jokes at Bieber’s expense were harsh, and funny. Except the jokes about the late Paul Walker that comedian Jeffrey Ross made, according to the story on USA Today. Those jokes just went a little too far. Ross joked about the Ludacris lyrics, “move b****, get out the way” should have been what Walker said to the tree his car hit. Ludacris, who was friends with Walker, was on stage when Ross made that joke and looked very uncomfortable. Even the audience groaned and booed it.

Comedy Central agreed that it was too much and they are cutting any jokes related to Paul Walker.

Recall of Kraft Macaroni and Cheese

In a major food recall, Kraft Foods has announced a recall on almost 250,000 cases of its macaroni and cheese product. All the boxes potentially contain small metal pieces.

The well-recognized yellow and blue boxes of Kraft macaroni and cheese included in the recall have ‘use by’ dates of Sept. 8 through Oct.11, 2015. Each potentially tainted box will have the code ‘C2‘ on it. The product is in a 7.25 ounce box and is sold either individually or in the three box pack. Dan Newlin suggested that the Kraft product was sold everywhere in the United States, Puerto Rico and some areas of the Caribbean.

So far, eight people have found small pieces of metal in their recently purchased boxes of Kraft macaroni and cheese, but no injuries have been reported. People who have purchased the product recently should return it to the store from where it was purchased for a full refund.

It’s not yet known how the metal pieces got into the macaroni and cheese product and consumers are advised to not eat the macaroni product.