l****z
发帖数: 29846 | 1 Rare Obamacare Success Story: A Dog in Colorado Gets Insured
November 22, 2013 by Warner Todd Huston
Obamacare has been an absolute disaster all across the United States.
Millions of Americans have lost their insurance due to the new rules that
Obama put in place with his Obamacare law. But there is one success to
report. In Colorado a man just learned that his dog got covered by Obamacare.
A man in Fort Collins, Colorado, received an interesting letter in the mail
from his Obamacare administr... 阅读全帖 |
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l****z
发帖数: 29846 | 2 HHS Blog Post Admits: ‘You must pay your premium to the insurance company
directly’
by Jammie
So, the ObamaCare website is humming along now, huh? Note this portion,
dated December 4.
No matter how you apply for coverage and select a plan through the
Marketplace, you need to pay your premium on or before December 31, 2013 in
order to have coverage by January 1, 2014. Although you compare and choose
a plan using the Health Insurance Marketplace, once you select a plan, you
must pay your prem... 阅读全帖 |
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c*****c
发帖数: 72 | 3 谢谢
是不是上online的traffic school是最好的选择？
我在网上查的说自己的保险可以step in as secondary coverage.
Since auto insurance follows the vehicle, if you’re driving a borrowed car
and get involved in an accident, the lender’s insurance policy will cover
the liabilities, your medical expense and the other vehicle’s damages. But,
if the lender has no insurance or his insurance is inadequate, then the
borrower’s insurance will step-in and cover all of the losses.
Any existing Auto Insurance policy on the borrowed car woul |
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F********P
发帖数: 805 | 4 事情是这样的，那天天黑没注意stop sign，被警察停住了。我道歉说确实每看见。警
察说没关系就把我的DL登记一下。
我不小把insurace book也给交上去了，那里面只有一张去年的insurance，早过期了。
我不知道。
警察回来给了我张ticket要我签名，第一次吃ticket..我一看不是stop sign的，而是
说我没insurance。事实上我刚续insurance,偷懒没把临时的打出来，新的还没寄到。
警察说你这insurance是去年的。我连忙把刚过期一天的insurance卡找出来给他。警察
还是要我签ticket，说没关系没有罚我的stop sign，只是insurance，让我把新的卡送
到法庭或者传真过去就行。
第二天我就在学院传真了，然后打电话听口音好像是个黑人女的接的，我让她查fax有
没有收到，她问了名字，说收到了。过了两天系秘告诉我说我上次发的传真没有传出去
。我说不对啊，明明打电话问过了，也就没再担心这事。
前两天收拾东西刚把警察给的ticket收据扔了。今天收到要出庭的信，而且不出庭
defend就要交$320罚单。我想出庭可能是必须的了，问 |
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j********d
发帖数: 157 | 5 Here is a special case due to traveling. My question is if the claim shall
follow Michigan or Maine's rule?
I went to Maine recently and backed up onto another car (with a Michigan
plate) in a parking lot. The front bumper of the other car was damaged (a 2
-inch long crack). No one was in the other car, so I left a note of my
phone # on the other car and continued on my trip. A few hour later, I
received a phone call from the Michigan car owner. My cell phone had poor
reception, so we talke... 阅读全帖 |
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w*****s
发帖数: 4116 | 6 Wrong.my LD was a post-doc before and then went back to school for better
career. He has diabetes and if he does not work , none of those life
insurance could take him. I bought some minimum life time insurance in case
he lost his job and cannot buy any life insurance anywhere. Myself made more
money but still healthy now. So I choose term insurance of 10 year. If you
don't have any private insurance and you lost job, it's not good for whole
family. As I said depend on if you live in a house and... 阅读全帖 |
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d*********1
发帖数: 101 | 7 In the past 12 months, there are 3 men passed away in my life circle. They
died due to illness or accident. They are all bread earner and loving
husbands for the family and they combined leave 7 under age children.
They are all Chinese and under 45 years old and none of them has life
insurance. All three families end up struggling even with tons of loving and
caring helps from friends.
I would like to take this message to every parent, buy some life insurance,
secure financial future in situatio... 阅读全帖 |
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g*****g
发帖数: 34805 | 8 First of all, most people don't need permanent life insurance.
Personally I don't see the need to pay a helfy preminum for life
insurance after I retire. Your kids are on their own, you have a
sizeable fund for retirement, no employment income. Unless you
think you'll die early after you retire, there's really no point.
We all know we lose money in insurance in average. That's why we
want just enough coverage, not as much as we can afford.
Second of all, the life insurance part of premimum may b... 阅读全帖 |
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z*******i
发帖数: 2904 | 10 最近考虑除了单位给的life insurance之外，趁着年纪不大在外面再买term life
insurance。有几个问题想请教一下
1. 关于Coverage Duration。夫妻两人都是early 30's，是买20年还是30年term？30年
的话能差不多cover到退休，20年的话，如果到50's再想继续买，是不是premium就会很
高了？
2. Term life insurance的policy holder必须得有工作才行吗？比如单职工家庭的话
，上班那位肯定要买，不上班那位也能买吗？
3. 前几天看到一个老美blog说孩子一出生爷爷奶奶就给孩子买了life insurance当作
礼物吧,不知道是term 还是whole life，这种给刚出生孩子买life insurance是有什么
讲究吗，为啥要给小小孩买呢？
另外欢迎版上的Term Life Insurance代理站内信联系。谢谢！ |
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s*******h
发帖数: 3219 | 11 【 以下文字转载自 Military 讨论区 】
发信人: sammamish (sammamish), 信区: Military
标 题: 这下Uber真的完了:Uber insurance bill passes Senate
发信站: BBS 未名空间站 (Sat Apr 25 18:38:26 2015, 美东)
昨天参议院以绝对多数通过法案，强制Uber和普通出租车公司一样负担所有保险和各种
费用。Uber打车变得和cab一样贵。
A Senate plan that places insurance requirements on app-based transportation
services like Uber and Lyft is now poised to move to the House, which is
set to take up its own plan today.
By a vote of 28-12, the Senate passed Sen. David Simmons' SB 1298, which
would require high... 阅读全帖 |
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F***Z
发帖数: 703 | 12 ☆─────────────────────────────────────☆
CynthiaFall (清秋明月) 于 (Tue Nov 29 20:05:30 2005) 提到:
title insurance 是不是越便宜越好？ 发现律师收费都一样，差别只在title insurance
. 另外用lender推荐的律师有什么不好之处吗？ owner's title insurance 不买有什么
坏处吗？
谢谢
☆─────────────────────────────────────☆
CynthiaFall (清秋明月) 于 (Tue Nov 29 21:23:07 2005) 提到:
自己顶一下
insurance
么
☆─────────────────────────────────────☆
CynthiaFall (清秋明月) 于 (Wed Nov 30 09:19:45 2005) 提到:
怎么没人回我？ 不同公司 title insurance 中有什么 trick 吗？
insurance
么
☆────────────── |
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b*****y
发帖数: 196 | 13 有哪位听说过ASI和universal insurance这两家insurance 公司吗？本来车险是在AAA
，没想到他的Home insurance高的吓人。这家universal insurance的最低，只有700,
ASI要970，但是storm/hail insurance 只有1%。 还有请问大家如果是在500年
FLOODING以外，会买FLOOD INSURANCE 吗？多谢 |
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g*******8
发帖数: 34 | 14 我在VA，Loan officer给我的GFE里面：
1） Hazard insurance.
903 Fire and hazard insurance premium: 1 year $600
1001 Hzard insurance escrow: 3 months $150
这个903不就是包括了1001，为什么还要交1001？
如果我交了903，是不是就不用自己再找保险公司买房屋保险了？
2) 1108 Title Insurance $1012.50(paid by seller)
这是个bank own 的房子，我找的这个bank (Wells Fargo)的loan office, 他给我的GFE里面免了1108项，是不是说银行就免了title insurance？ 因为我看到一些同学说GFE里面只有800项目是确定的，其他都不确定。 他会不会在
closing之前再改口要我出1108的费用？
多谢多谢！ |
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p*l
发帖数: 1359 | 15 Geico don't sell home insurance, so they partner with Liberty Mutual. When
their client want to buy home insurance, they refer the client to Liberty
Mutual. Liberty Mutual will give you a discount if you use Geico for car
insurance.
We brought our home insurance though Progressive, because our car insurance
was with Progressive at that time. Progressive refer us to Ameriprise. Later
we switched our car insurance to Ameriprise too. |
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a***a
发帖数: 524 | 16 贡献一下俺的教训。
如果要买，就到网上找个quotes，例如entitle direct。会比local便宜不少。但是，
要至少提前3周去办理，不能等closing前几天再去问，这些你的broker和attorney是不
会和你说的。
他们只是说是optional，但是只有你问到了，才和你说HUD1上的owner title
insurance（标价1000多）是和lender title insurance （标价几百块）捆绑在一起的
。你选择不买 owner title insurance，你的lender title insurance的价格就涨上去
了（涨到1000多），最后和买了owner title insurance就差不了几百块了。
俺们但是不知道，broker忽悠说不用买，也没告知这其中的猫腻。所以等最后一天和
attorney说不要买owner title insurance，就得到以上信息，等再去找网上的公司买
，已经来不及了，只好挨宰，多花了700块钱。
总之，买的没有卖的精！ |
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N*****a
发帖数: 2630 | 17 说是只有qualify mortgage insurance才可以抵税，然后下面这些是qualified. 最后
那个private mortgage insurance是泛指的我们常说的PMI吗？是不是只要是PMI都可以
qualified呢？怎么知道到底是否qualify啊。还是只要box 4 of form 1098 上面有数
目就可以？
Qualified mortgage insurance is mortgage insurance provided by the
Department of Veterans Affairs, the Federal Housing Administration,
Rural Housing Service, and certain private mortgage insurance.
Generally it is reported in Box 4 of Form 1098. Do not include mortgage
insurance premiums paid for rental, business, farm, or f... 阅读全帖 |
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d******n
发帖数: 2712 | 18 首先，agent提供的第一版GFE未必准确，因为一般mortgage公司都不是自己去做title
的，会交给title公司去做，所以他们预估的数未必准。建议LZ找个title公司询一下价。
lender's title insurance是一定要买的，因为要借钱么，这个是保障债权人利益的，
不买的话，没人贷款给LZ。
owner's title insurance是保障自己权益的，不管有多少届owner，LZ可以借此规避这
个房产还有其他债主的风险。如果不买的话，万一过了户，在跳出个阿猫阿狗拿着个借
据来说，房子是他的，估计要摆平就不只千把块钱了。
保险这个东西，都是不怕一万，只怕万一的事情。
再者，在买房是买owner's title insurance，日后refi，或是卖房都方便很多。一般
owner's title insurance只追溯到前一个owner's title insurance，如果要追溯10年
或更久，要花费很多时间。如果到时候卖房的时候希望1个月close，却被owner's
title insurance的问题拖到2个月，或更长时间，也未必划算。 |
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B****n
发帖数: 1523 | 19 房子月底要closing，重新找mortgage是不是来不及了？
原本找的这个broker，lock的利率不怎么好，我想算了，先closing了再看秋天
能不能no cost refi。
这样我期望closing cost别太高。从刚发来GFE，感觉title insurance太
高了，lender's title insurance和owner's title insurance两个加起来快3千了。
home insurance也给估了$700。不太懂，我知道home insurance可以自己找，
买到$500多便宜的。这个title insurance也可以提出自己找买便宜些的吗？ |
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c******l
发帖数: 502 | 20 If you set up escrow account, you should pay 1/12 tax and home insurance to
your escrow account every month. When the tax or the insurance due, suppose
on your account has 14 month reserve per law. The lender will pay tax and
insurance when they are due. For mortgage insurance, it's different than
home insurance. Becuase your down payment is lower than 20%, you need to buy
mortgage insurance. |
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b****n
发帖数: 379 | 21 卖家是银行。合约中说
I(we) elect to have the Seller choose a qualified escrow company and/or
title insurance company in connection with the sale of the subject property;
provided that Seller will pay the cost of the Owner's Title Insurance
Policy, and Buyer and Seller will each pay for their respective escrow and/
or title insurance closing costs as indicated on the HUD-1 Settlement
statement.
好像是说银行可以做帮我买title insurance的选择，也没说他们会这么选阿。但我的
agent说他们会出钱买。Am I missing something?
然后还说我和卖家分别pay各自的escrow cost，是什... 阅读全帖 |
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m*******d
发帖数: 274 | 22 We need to buy a home insurance. The house price is 520k. Loan amount is
200k. The replacement cost (shown in appraisal report) is 423k. Most
insurance companies gave quote with insured dwelling amount around 300K-380K
, Geico gave quote with insured dwelling amount at 520K, and State farm gave
quote with insured dwelling amount at 423K. I am wondering if everyone use
sale price or replacement cost for the insured amount, or even lower. Thanks
a lot! |
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f******e
发帖数: 2888 | 23 在fidelity title insurance 和另外两个推荐的网
34万的房，20%downpay
似乎owner title insurance 1200+, 旁边也有一个跟贷款(我以为就是lenders title她
insurance了）相关的，基本上是50和100.这正常么？还是我还没quote lenders title
insurance?
我看银行给我的closing cost上面的明细，两个title insurance都是1000+啊。
很困惑。
还有quote的时候，问你使用的是什么policy form。有类似如下的选项：
ALTA homeowner's policy of title insurance
ALTA standard coverage policy
有高手指点一下吗？ |
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I******s
发帖数: 223 | 24 Conventional 贷款的Mortgage Insurance在LTV<=80%时可以打电话给贷款银行要求取
消，而如果LTV<=78%时， 贷款银行会自动取消Mortgage Insurance。以当前的贷款利率
（15年固定利率大约3.25% ，30年固定利率大约4.25%）来算的话，起始LTV为90%的贷
款，假设房价保持不变， 如果是15年的贷款的话在第二年结束就可以要求取消
Mortgage Insurance，如果是30年的贷款的话也可以在第六年结束时要求取消Mortgage
Insurance。
而起始LTV 为90%或者以下的FHA贷款，在付款11年后才能取消Mortgage Insurance。起始
LTV为90%以上的FHA贷款， 终生都要付Mortgage Insurance。 |
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x******g
发帖数: 2165 | 25 【 以下文字转载自 Investment 讨论区 】
发信人: xincheng (新城), 信区: Investment
标 题: 请教一下 universal life insurance
发信站: BBS 未名空间站 (Sat Sep 7 21:57:18 2013, 美东)
最近在准备买life insurance，本来想买简单的term insurance，结果有朋友推荐
permanent life insurance ( universal insurance). 听上去好像很不错，最后肯定
可以拿到回报。
有朋友买过life insurance吗？能分享一下经验吗？ |
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c**********e
发帖数: 1184 | 26 Master Insurance就是指HOA给整个小区的房屋所买的保险。这个保险一般保的都是整
个小区所有房屋的建筑部分以及公共区域（例如路，小公园，草地等），只有极少数
Master Insurance连建筑部分也不保而需要户主自己单独购买。但是申请贷款银行还会
要求户主购买HO6 insurance policy也就是保房屋内部的improvements也就是personal
property的保险。这个HO6 insurance就是您自己要单独再买的Homeowner Insurance
，一般insurance agent都做。
http://www.mitbbs.com/club_bbsdoc/CircleSquareMortgage.html
Management |
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s********n
发帖数: 944 | 27 有TITLE INSURANCE还有必要买OWNER＇S TITLE INSURANCE吗？
房子马上就要到CLOSING DATE了，其中CLOSING费中，除了必须买的TITLE INSURANCE
（据说只是保护银行的），还列出OWNER＇S TITLE INSURANCE，后者才是真正保护买家
的。前者比较贵，得２０００多刀，后者便宜，６００刀多一点点。
大家觉得有必要买OWNER＇S TITLE INSURANCE吗？ 忘了说这是一栋６０多岁的老房子
了。谢谢！ |
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h********e
发帖数: 1130 | 28 不方便写中文，多包涵
just got the appraisal report, and lender asked for the home insurance.
sale price:500k
20% down, so the loan amount is 400k
appraisal value: 550k
land value: 54k
total estimated of cost-new: 493k
depreciation 49.3k
depreciated cost of improvements (493-49.3=443.7k)
1) when quote from insurance company, I should use loan amount $400k or
replacement cost $493k in (A)Dwelling. my understanding is to use the lower
one 400k.
2) in most quote, the system automatically enter some value in ... 阅读全帖 |
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q********a
发帖数: 438 | 29 不是哪个州更改，而是所有州都需要更改，每个州的规定不是统一，但是Lender Title
Insurance 将占主要，有一个case, loan amount $245000, Lender Title Insurance
$1859, Owner Title Insurance ( Optional) $553, 并且若buyer 取消Owner Title
Insurance， 则会适当增加Lender Title Insurance 。按照loan amount比照, Lender
's policy 0.75%, 而Owner's 则大约是0.23%, 这也是大致的区间数值，希望有所帮助
。 |
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q********a
发帖数: 438 | 30 不是哪个州更改，而是所有州都需要更改，每个州的规定不是统一，但是Lender Title
Insurance 将占主要，有一个case, loan amount $245000, Lender Title Insurance
$1859, Owner Title Insurance ( Optional) $553, 并且若buyer 取消Owner Title
Insurance， 则会适当增加Lender Title Insurance 。按照loan amount比照, Lender
's policy 0.75%, 而Owner's 则大约是0.23%, 这也是大致的区间数值，希望有所帮助
。 |
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D****G
发帖数: 284 | 31 换工作搬家，现在的房子出租。想把homeonwer insurance 改成rental insurance. 但
现在的homeowner insurance 都是从escrow出，这样要求insurance company 改
insurance type,lender会不会要求立刻refinance改mortgage rate？
实际上这个房子自己也基本没怎么住过，买来以后一直在出租，最近听人讨论，怕租客
出了事保险会因为我用的是homeonwer insurance而拒绝理赔。
lender是Providend Funding, mortgage已经卖给Fanne Mae |
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u****s
发帖数: 2186 | 32 The only difference between MasterRental® Insurance and MasterRental&#
174; Insurance - Business Card is the word 'secondary'.
https://www.citicards.com/cards/wv/speedbumpDisclosure.do?screenID=1262
MasterRental® Insurance
AT&T Universal Savings Platinum Card
AT&T Universal Savings and Rewards Card
Citi CashReturns® MasterCard®
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Rewards Card
Citi® Dividend Platinum Select® MasterCard®
Ci... 阅读全帖 |
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s**********g
发帖数: 14942 | 33 visa signature自带的看条款像secondary啊
Within your country of residence, Visa Signature Auto Rental CDW supplements
, and applies excess of, any valid and collectible insurance or
reimbursement from any source. It does not duplicate insurance provided by
or purchased through the auto rental company; it will not pay for losses
reimbursed by your own insurer, employer, employer’s insurance, or any
other valid and collectible insurance; however, it will pay for the
outstanding deductible portion or other ... 阅读全帖 |
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f******e
发帖数: 582 | 34 The health insurance of my son is currently with my wife. My wife will
change a job on July 1, 2011 and my wife insurance will begin on August
1, 2011. So there is one month gap that my son will have no insurance.
I plan to add my son to my insurance. However, based on the policy, my
adding insurance for my son will only be effective from Sept. 1, 2011.
Is there a way I can do to have my son have insurance for July 2011?
Thanks |
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p********2
发帖数: 9939 | 35 好混乱.大家凑合着看吧.
25号生娃在医院A.收到账单若干.宝宝加到了父亲的insurance下面,而没有加到妈妈的
insurance下面.
29号宝宝入院到医院B,爸爸妈妈陪着.妈妈insurance on line的EOB看到一个B医院room
and board的账单.妈妈的保险公司cover这部分费用(叫它费用B).
问题:
1.费用B是宝宝的还是妈妈的? 妈妈insurance是不是可以cover 1个月宝宝的费用呢?
2.要是宝宝的claim,是不是balance还可以file 爸爸的insurance,as 宝宝加到爸爸
insurance下面了. |
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l*******m
发帖数: 949 | 36 有一种叫做secondary insurance,这个你需要单独付钱去purchase. 这个就是primary
insurance报后的balance,再有secondary insurance接着cover.
但是LZ的宝宝根本没有secondary insurance, lz不能把宝爸的insurance当做
secondary insurance. |
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b****b
发帖数: 665 | 37 close 前的title search 肯定要做，买家才敢买房子，才有Title insurance 敢给保
险 （
呵呵，这个就是title insruance company 的自我保护了）。
claims 肯定很少，要不，title insurance company 忙死了，亏死了。
这个跟Life insurance 一样，我们很多人买Life insurance ,是怕万一出事，其实出
事的概率相当小。
但是Titel insurnce 不光保 某人来敲门ClaimInterest，还保不清楚的房产权纠纷---
比如，你家的Driveway其实是建在别人家的地上，买房时根本没发现（这个不容易发现
），后来发现了，这个也属于房产权保险范围---这件事情是我的朋友（不是我的客户
，别说我没看清楚）的亲身经历，后
来Title Insurance company帮他付钱重修Driveway（他阴错阳差，买的是好的贵的
title Insurance，deductable 少）。
如果便宜，几百块钱，就买了无妨。 毕竟是几十万的东西。 |
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c***g
发帖数: 484 | 38 6年前想多买些 life insurance ，范对我说 allianze index whole life insurance
很好。如果每年7%，投7年 每年$3500，7年后积累的本金可以到100岁life insurance
不用再交钱。我想大不了2万，买个 whole life, 的确好。他还在电脑上run了那个7
年7%积累的本金可以到100岁life insurance 不用再交钱的表格。现在发现根本是骗人
。存钱进去就charge10%，每年除了 insurance fee, 还多charge $800多的管理费，长
的钱怎么也赶不上charge。现在只有本金 1万多，非得继续存，不然很快钱就每了。如
果继续存, 合同上写不保证还会更多更高的fee。如果取消就只能拿出 $1000来。
范现在不承认有run过那个7年7%积累的本金可以到100岁life insurance 不用再交钱的
表格。真是每办法了。
有人也买过这个上当的吗? |
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b*****t
发帖数: 3928 | 39 条款很复杂。自杀是其中之一。有病活不长估计也不行。
这个听上去是term life insurance。每个月91好像有点贵。如果真想买，需要货比三
家。
Life insurance有两种，term or whole life。Term是有时间限制的, whole life 是
到人死或到期，比如100岁。
对美国人的生活方式来说，life insurance 有其优点。典型的一家人有孩子和房屋贷
款，一旦收入来源断掉了，比如只有父亲工作，父亲过世，那么保险会帮助母亲和孩子
度过经济难关。
但对不是美国的居民来说，这个变数很多。是否一定要在美国待下去，是否有房屋贷款
，手上的存款能维持生活几个月，等等等等，都要考虑。
有钱人买whole life insurance有其原因，主要是保险金不作为收入，不必交税。如果
是VUL，还可以多存钱进去，避免遗产税。Term insurance没有这些用处。穷人一般买
term life insurance，比如有幼儿期间。
买不买，一定要看自己的情况，自己决定。不能听agent的话。很多agent将生活中的非
常态当作常态来讲，非常迷惑人。 |
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J******y
发帖数: 214 | 40 问一个弱智的问题,什么情况下才值得买life insurance?
刚才打电话到life insurance公司,对方问到"Why do you want to buy life
insurance"? 我本能的一愣...
我和老公现在都是opt学生签证,SBLI说他们不给F1学生提供life insurance.
我们现在工作的单位不提供life insurance,像我们这样的情况是不是等工作稳定了,转
成H1b或者绿卡后再考虑购买life insurance? |
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d*2
发帖数: 2053 | 41 http://finance.yahoo.com/news/Hyundai-VW-top-insurance-apf-3002591025.html?x=0&.v=5
Hyundai-Kia, Volkswagen win most 'top safety pick' awards from insurance
industry group
Ken Thomas, Associated Press, On Wednesday December 22, 2010, 9:58 am EST
WASHINGTON (AP) -- South Korean automakers Hyundai and Kia and German car
maker Volkswagen lead the insurance industry's annual list of the safest new
vehicles, used by safety-minded consumers looking to buy a new car.
The Insurance Institute for Highway... 阅读全帖 |
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l******c
发帖数: 2555 | 42 Q. I'm buying a home and the lender insists that I buy a title insurance
policy before it will give me the loan. Now my real estate agent tells me
that I should buy a policy for myself, too. This seems like overkill. The
house I'm buying is only five years old, and the sellers are original owners
. Is the agent right, and if so, why do I need this insurance?
--Hillsborough, Calif.
A. Imagine that you've bought and settled in to this house. One day, a woman
knocks on your door and says that she a... 阅读全帖 |
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A******c
发帖数: 595 | 43 如果microsoft insurance 是secondary insurance，而primary insurance要求有
copay 和deductable， microsoft的insurance 会pick up the copay & deductable吗？
为什么有人要放弃自己单位提供的parimary insurance，每个月交钱把Microsoft 的
insurance 从secondary改为primary呢？
谢谢！ |
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c*u
发帖数: 103 | 44 在买另外的 condo insurance 之前, 你可以再问一下HOA townhouse insurance 是否
cover房子的fixture etc. 最好问一下HOA townhouse 的master insurance provider
的联系方式,直接 request insurance certificate (should be free for home
owner). 这样你就知道master insurance 的准确coverage. 如果是 "ALL IN"
coverage, 提供master insurance certification后,贷款银行很有可能Waived HO-6.
拿 |
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s*******h
发帖数: 3219 | 45 【 以下文字转载自 Military 讨论区 】
发信人: sammamish (sammamish), 信区: Military
标 题: 这下Uber真的完了:Uber insurance bill passes Senate
发信站: BBS 未名空间站 (Sat Apr 25 18:38:26 2015, 美东)
昨天参议院以绝对多数通过法案，强制Uber和普通出租车公司一样负担所有保险和各种
费用。Uber打车变得和cab一样贵。
A Senate plan that places insurance requirements on app-based transportation
services like Uber and Lyft is now poised to move to the House, which is
set to take up its own plan today.
By a vote of 28-12, the Senate passed Sen. David Simmons' SB 1298, which
would require high... 阅读全帖 |
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v******o
发帖数: 3417 | 46 right, you don't need to insure the full purchase price. Actually, in
insurance, the purchase price is not in concern; the calculated replacement
cost is what they insure.
So these scenarios might happen:
1. insured value is much higher than purchase price... could happen with big
houses in low value area; Customers are unhappy.
2. Insured value is much lower than purchase price... think about those old
house in high value area; it is hard to persuade mortgage company to accept
the low insured v... 阅读全帖 |
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m*******r
发帖数: 8950 | 47 刚刚SETTLE了一个CASE。买主的TITLE INSURANCE非常便宜，用的REISSUE的RATE。也就
是大家在做REFINANCE的时候用的RATE。以前，也遇到过一个类似的CASE，但买主和卖
主是亲戚，我以为两者之间有什么DEAL。这次双方之间没有任何关系。和SETTLEMENT
ATTORNEY聊了聊，原来只要卖主同意提供他/她的TITLE INSURANCE，
卖TITLE INSURANCE的公司，是可以REISSUE 这个INSURANCE的，其价格只是重新买的30
% 左右。。。 这个RATE，不包括LENDER的TITLE INSURANCE。。。
所以，如果买的不是FORECLOSURE或SHORT SALE的房子，而是REGULAR SALE, 大家可以
试试是否可以拿到REISSUE的TITLE INSURANCE。 |
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b*******e
发帖数: 36 | 48 3.5: Insurance and Even Money
Insurance is perhaps the least understood of all the commonly available
rules for Blackjack. This is not necessarily a bad thing because the
insurance bet is normally a poor bet for the player, with a high house
advantage. However, that's not always the case. So, here we go:
If the dealer turns an up-card of an Ace, he will offer "Insurance" to the
players. Insurance bets can be made by betting up to half your original bet
amount in the insurance betting stripe in f |
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h*******l
发帖数: 1542 | 49 A doctor in internal medicine in Florida could expect to pay in excess of $
56,000 per year for insurance as of 2009, in contrast with Minnesota's $4,
000. General surgeons paid in between $90,000 per year and $175,000 per year
or more. OB/GYNs once again could expect the highest rates, with liability
coverage ranging from $100,000 to $200,000 per year.
You selected an Occurrence policy for the specialty of Neurosurgery practicing in Kings county. The annual premium for this type of policy is $2... 阅读全帖 |
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h*******l
发帖数: 1542 | 50 A doctor in internal medicine in Florida could expect to pay in excess of $
56,000 per year for insurance as of 2009, in contrast with Minnesota's $4,
000. General surgeons paid in between $90,000 per year and $175,000 per year
or more. OB/GYNs once again could expect the highest rates, with liability
coverage ranging from $100,000 to $200,000 per year.
医生的净收入很低啊。工资20万要减去10万的malpractice insurance, nursing cost,
rental fee, 最后就剩下10万块了。再去掉税，没有几个钱啊。
还是拿铁工资的好，不要付出任何insurance, 单位给买了extended healthy
i... 阅读全帖 |
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