Pro-Sports Virtual Studios
Harry Kerker demonstrate with StudioMagic and Pro-Sports Virtual Studios how to get that grungy look we see in contemporary sports images in Magazines, TV, on the web and social media.
Daily News From Life about all aspects of life
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Tagged: , 5 , Carnival , class games , congkat , field , five , five stones , games , hall , inter-class , racial harmony games , school , sports , sports carnival , traditional games , zero point
If you need to generate leads of people interested in getting updated car insurance rates, here is a script that works great. All of the verification questions are asked first to build trust with the prospect before asking for new information. Don't over think your lead generation campaign, often the simplest processes yield the best results. Start off with a short greeting and explain the reason for the call within the first 30 seconds or risk losing the prospect's attention. Verify first, ask for new information second. Use verification questions to build report with prospects before asking for new information. For example, "I show your address as...", versus, "how much is your monthly auto insurance policy at the moment?"
Write out rebuttals that the telemarketer might need to handle common objections. Think of these as opportunities to give more information as well as steer the conversation back to generating a lead. Generating interest and doing some simple verification work should be the primary goal of each call. Don't make the mistake of trying to pack too much into each call.
"Hi, may I speak with __________? Hi _________, this is AGENT NAME, I'm calling from XXX car insurance, I'm just calling to verify your information so we can provide you with updated auto insurance quotes, I show your name as NAME and your address as ADDRESS in CITY, STATE, and the zipcode is ZIPCODE I also have your email as EMAIL ADDRESS, is this correct?
Thank you, and what is your marital status? (single or married).
Are there any additional drivers we should include? (if yes get name, date of birth).
We understand people's vehicles often change, so what vehicle do you currently insure? I just need the year, make and model.
Are there any additional vehicles? (if so need the year, make and model).
Are you currently a homeowner? (own/rent)
And who is your current car insurance company?
Thank you, and finally I have your date of birth listed as/what is your date of birth? (if not listed in contact info)
To make sure we can save you the most money we will have a local insurance agent contact you so that you receive the best rate and coverage possible. Thank you for your time and have a great day."
Side Note: This script works great with a web-based lead form, you can quickly create a form that follows this format in Google Docs and will deliver results to an online spreadsheet that updates in real time.
Who f**ckin wit me if I drop this merch ❓
If you would CoP this drop a 🔥 emoji
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Real Madrid v Deportivo la Coruna
Kaka
Follow me at: twitter.com/toksuede
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Car insurance is a mandatory investment as the law. Therefore, a large number of car owners opt to pay a premium for a car insurance policy to safeguard their cars against a possible collision. However despite this, a majority of their claims are rejected by companies. This is because people are unaware or rather ignorant to the intricacies related to car insurance. Therefore, a major chunk of car insurance claims are rejected. To stop this from happening, let's go through a list of reasons where a car insurance claim might get rejected:
1. Intimating your insurer late or not at all: Please be informed that your claim is destined to be rejected if you fail to inform your insurance provider in the stipulated timeframe. On an average, you should update your insurance company within 48 to 72 hours from the time of accident or collision.
2. Driving under the influence of alcohol or any other drug: This one is a no-brainer but still most people are negligent about it. If you are driving when you have consumed alcohol not only are you breaking the law, but even your insurance company will refuse to cover in case of an accident.
3. If your car is being used for commercial purposes: If you have a private car and it is being used for any commercial use such as being used to carry goods or passengers than your car insurance provider can reject your claim. This is because there are different policies for Private car and commercial vehicle policies.
4. If you drive without a valid license: In case you or anyone driving your car is driving valid license and face an accident then your coverage becomes null and void. Therefore, ensure you renew your license on time.
5. Starting the repairs before inspection by insurer: When you intimate your insurer about the collision or accident, a surveyor will visit you to inspect the condition of the car and authenticate your claim. Without this inspection, the insurance company will be unable to trace the degree of the repairs and estimate the cost involved. Therefore, your claim is bound to be rejected.
6. Failing to transfer the policy from the previous owner: There is going to be some verification during the claim process. In case, the car insurance policy is not in your name then your insurer has the right to refuse your claim.
7. An Electrical or Mechanical Breakdown: In case your car is damaged without any external collision due to some electrical or mechanical breakdown then you are not covered by your car insurance policy. In this case, you will have to shell out some money from your own pocket.
Next time be more careful of all these reasons and ensure you make maximum utilization of your car insurance policy.
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In a sagging economic environment we are all looking for innovative ways to save money. In recent months, a large number of not only American households, but households all over the developed world have had to make changes in how they spend and how they live.
A major expense facing most Americans are expenses related to transportation, namely your car. If you do own a car, you will need general auto insurance. Are you paying too much? You probably are. Take the following checklist to your insurance provider to see what kind of savings could be coming your way before your next payment.
Take an online drivers education course
In most states, if you enroll in an online defensive driving course you may be eligible for a discount of 10% or more. Some states do not recognize these courses so before taking one, it is best to check with your insurance provider to see what kind of discounts they offer with a defensive driving course. For a list of driving schools in your city or state, visit Wannadrive.
Get a low risk job
Insurance companies keep more statistics than can be imagined. One of them is accidents by occupation. If your chosen profession has more accidents than the average, than your premiums will reflect this. Engineers tend to pay lower premiums because engineers get in fewer accidents than other professionals. Simply by doing some research and adjusting your job title might be enough to reduce your monthly premium.
Tell them you are Retired
If you are retired, you may be eligible for an additional discount. We have all seen the commercials. This savings applies especially to you if you have a clean driving record. If you are retired and your insurance provider does not know this than you could be missing out on substantial savings.
Join a Professional Organization or Auto Club
Select organizations and auto clubs receive discounts at all sorts of retail outlets that include hotels and restaurants. Membership in some of these organizations may also help you reduce your insurance costs. If you are a member of any organization or club, it never hurts to ask your provider if members of that organization receive a discount.
Combine Your Insurance
Some insurance companies may reduce your premium if you use their company for both home and auto insurance. If you currently have two different providers for home and auto insurance ask both of them what kind of premium reduction you are eligible for if you combine your home and car insurance into one.
Auto Safety Features
If you have any additional safety features on your automobile your insurance rates could also go down. Look for vehicles that have air bags for both the driver and the passenger, traction control, good head restraints, anti-lock braking and all wheel drive are all features that improve the safety performance of your vehicle. Bring a list of the safety features that your vehicle has to your insurance provider and ask specifically how additional safety features lower your premiums.
Assume more Risk
By raising your deductible from say $400 to $800, you will likely have to pay more out of pocket in the case of an accident but you do save significantly on your monthly premium. If you are a prudent driver, the savings that you incur by paying a lower premium will pay for itself over the course of the year. The amount of coverage that you have will not change by increasing your deductible.
Be a good citizen
Simply by having a good credit score, or by performing well in school can reduce your premiums. Insurance companies have found a correlation between credit score, academic performance and your likelihood of getting into an accident. If you do have a good credit score and you perform well academically, you could be eligible for a discount.
Pay in fewer installments
Insurance companies will charge you a fee to make a payment in installments. The more installments, the more fees you will pay. If you are fiscally responsible enough, ask your insurance provider about different payment options, such as paying once a year, every six months, or a quarterly payment. Be careful using this strategy because it is possible to lose your insurance by missing just one payment.
Demand better service
Believe it or not, there is still some moral fabric in the business world. If you have been with the same insurance company for years, ask them for a discount as a loyal customer. If they refuse, shop around. Another provider may offer better rates, or provide you with better information regarding your insurance needs.
Hopefully, this article has made you a little wiser when it comes to purchasing general auto insurance. Use this information and turn it into dollars and cents.
📸 Neuer Blickwinkel 📸
Ihr habt ja alle schon gemerkt, dass ich gerne Sport mache. Aber wisst ihr auch, dass es mir mega viel Spaß macht vor der Kamera zu stehen? Weil das ist genau MEIN Moment! 📷
Mittlerweile habe ich aber genug Bilder von mir im Handstand oder in einem Breakdance Freeze.
Ich bin bereit für innovative Ideen! 💡
Mein Ziel: Ich möchte mich vor der Kamera weiter entwickeln, neue Sachen ausprobieren und Bilder kreieren die sonst niemand hat!
Also, wer ist kreativ und hat Bock? 🐏
#theotherside #photographer #bboy #dancer #malemodel #photoshoot #bamberg #oldtown #change #perspective #sports #athletic #fitnessmotivation #puma #ootd #sneakerhead #athleticfitness #fitnesslifestyle
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🔘⚫😘HAPPY BDAY BUNNU 😘🔘⚫
My handsome hunk . Mere pidduuu 😘 god bless you . Bua loves you allllllooooot.
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Autodrome de Linas Montlhéry
les coupes de printemps 2015
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Pictures from the annual 140km Tour De Helsinki bicycle competition. This year also treated us to some, well, varied weather conditions.
Tagged: , bicycle , race , tour , de , helsinki , finland , pyöräily , cykel , kilpailu , tävling , september , 2013 , syyskuu , sports , action , speed , athlete , copyright
Since 2013, the United States Postal Service has furthered a move that will save the agency billions of dollars. By requiring owners of newly constructed homes to use curbside mailboxes like those used by millions of other homeowners and renters, associated costs will be cut significantly.
Though the change favors cost-cutting efforts, it does involve a degree of inconvenience for those used to the traditional delivery at the door front. That downside, however, does not compare to the real risk the newly introduced location - near the road - presents: exposure to damage from a colliding auto or other type of vehicle.
Due to the fact that mailboxes located at the side of the road are in close proximity of constant car and truck movement, there is an extremely heightened risk of them getting hit and damaged.
Can I File a Related Insurance Claim?
Should another driver hit your mailbox, be sure to ask for his phone number and address as well as his driver's license information. Following that, make an official police report and file an insurance claim with the driver's auto insurance. Buy another mailbox like the one you are replacing and save the sales slip so that there is cost proof for insurance recompense.
As life goes, chances are you may not be home if and when your mailbox gets damaged by another car. Then what, right?
Check your doors for contact info that may be left by a summoned police officer or the driver him or herself. You can also call the police and see if there was a police report filed about the accident. In the event you do not discover a note with pertinent contact information or anything about an associated police report, be sure to file a hit-and-run accident police report as soon as possible. If that leads you nowhere, you can still opt for a homeowners insurance claim. Be prepared for either a flat out denial or a denial based on not meeting deductible requisites, though.
In the event your mailbox retained damage due to vandalism, you can do either of the following:
• Make a police report so that you will get repaid by the vandal when apprehended as part of a court decision.
• You can also see if your homeowners insurance policy will cover you for an act of vandalism of this sort. Consult with your independent insurance agency for a professional take on the matter.
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Lancia Beta Monte Carlo Turbo
"Martini Racing, In pursuit of the Myth"
Museo dell'automobile, Torino, Italy
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Many people face rising auto insurance premiums each year without knowing how to stop the increases. There are a number of factors that can adversely impact the premiums that are paid for auto insurance. Knowing these factors and managing them can make a big difference when it comes time for your policy renewal.
The make and model of your car has a big impact on your premiums. In many cases, more expensive cars are more expensive to insure. This is because replacement parts and labor are more expensive. Safer cars, even if they are larger, can reduce premiums, because drivers and passengers have a lower likelihood of dying or becoming seriously injured in these cars.
Personal driving history has a dramatic effect on ones premiums. Accidents can and often do increase your premiums, and too many accidents can result in non-renewal of a policy. Traffic tickets not only cost you money when incurred, but they are tracked by the insurance companies. Drivers that get tickets are considered to be a higher risk and cost more to insure.
In most cases, cars become cheaper to insure as they get older. At a certain point, the replacement value of an older car is low enough that collision coverage is not needed, as the premiums would be more than the cost of buying an identical car of the same age.
The number of miles driven over a year is a question that insurers ask about. This is because a car that sits in the driveway has a much lower risk of getting into an accident than a car that is in traffic. People who work at home and only drive for leisure will save a lot more than people who commute twenty or thirty miles or more each day.
Similarly, a car owner who lives in a rural area will have lower premiums than one who lives in a high traffic urban area. This is due not only to increased risk of accidents in urban areas, but also because of higher auto theft rates in urban areas. Some people in urban areas incur a very high cost of transportation, including parking garage fees, and some of them decide to rely entirely on public transportation.
A driver's age is another factor in setting rates. Younger drivers are more expensive to insure, as they tend to be in more accidents than older drivers. Older drivers are safer and more experienced drivers in most cases. These higher rates can be offset somewhat by having all drivers in a household on the same insurance policy, thus incurring a multiple driver discount.
Every driver needs insurance, but hopes to never need to use the insurance coverage. Taking the time to understand the factors that drive increases in auto insurance premiums can help the consumer to save a great deal of money on insurance.
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Being one of three daughters in my family, if you asked me three years ago how raising a little boy would be, I would have no idea. Not that little girls cannot or do not like trucks, airplanes, cars, sports, etc. but it seems as if I am immersed in it. I've learned a lot and am so grateful for him.
This is his recent favorite pasttime...golf. He's goes to the range and putting green with my dear husband. He's growing up so fast and it is a little bittersweet. But I've been trying to enjoy every moment of it...
Tagged: , Winston , golf , Nikkor 50mm f/1.4G
Here are some great tips that could save you money on auto insurance.
1. Raise Your Deductible
One way to save money on car insurance is to raise your deductible. A higher deductible will result in a lower premium. Just remember that you will need to pay the deductible in the event of the accident. So don't raise it so high, that you can't afford to pay it if you were ever to get in an accident.
2. Take a Driver's Safety Course
Did you know that taking a course in Driver's Safety could save you money on your policy? Many companies offer discounts to customers who complete an approved driving course. See if your insurance company could offer you a discount for this.
3. Choose your Car Wisely
You may not be in the market for a new car right now, but when you are thinking of a purchasing a new vehicle, choose wisely. Don't just look at the sticker price on the vehicle when shopping. Certain cars are more costly to insure than others, so you could end up paying a lot more in car insurance than you expected if you buy that nice sports car instead of the four door sedan. Cars that are more likely to be stolen or that have parts that cost more to replace will be more expensive to insure. Keep that in mind when you decide to purchase a new car.
4. Drive Less
You may be wondering how driving less will save you money on car insurance. Well, many companies offer discounts to people who meet certain low mileage requirements. Start carpooling to work or school. Not only could it save you money on car insurance, but it will also save you money on gas!
5. Compare Quotes from Multiple Companies
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Mercedes-Benz SLS AMG F1 safety car
www.facebook.com/anTypePhotography
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People usually don't like to spend much time while buying a car insurance policy. They think that there are only two options available in the market and i.e. third-party liability which is mandatory by the Motor Vehicle Act and second one is Comprehensive insurance. But the reality is there are so many add-on covers that can boost your car insurance coverage by spending a minimal amount at the time of buying or renewing policy for your car.
In order to choose the ideal add-on covers to enhance your car insurance policy coverage car, it is very important for you to understand the vital role of add-on covers.
Zero Depreciation: Nobody likes to be in a situation where you get a shock to know that you have to lose your pocket in order to repair your damaged car, even if you have a car insurance policy. But, the fact is that no insurance policy offers a full coverage to your car in case of a loss or damage in an accident. To avoid such situation, one should opt for No Dep. or Zero Dep. add-on, which offers you a full claim on the value, repaired or replaced parts after an accident. Ideally meant for new cars only, companies generally don't offer this kind of add-on to cars which are older than 5 years.
No-Claim Bonus Retention (NCB): From its name NCB retention, this add-on works as a protection cover to your NCB. NCB is a reward for not making any claims against insurance policy in the preceding year. Normally, people don't avail any claims but renew their insurance every year. The insurance company gives a reward in the form of discount of up to 50% on the premium cost which will be withdrawn by the company if the claim is taken once. So, there is a provision of NCB retention even if you make any claims.
Road Assistance: Just imagine you are driving back to home and your car gets stuck somewhere in the middle of night for any of the reason like out of fuel, some technical issue or battery dead, now what? As the name suggest, this add-on will assist you to reach home in such emergency and takes care of your car. If you have opted for this add-on along with the standard car insurance policy, you need not worry about assistance while driving in a remote location or in the night.
Personal Accident Cover: With this add-on cover, the insurance company offers a protection to the owner as well as to the paid driver in case if any. You can opt for personal accident cover combining with the comprehensive car insurance policy. This add-on gives you a benefit of lumpsum amount in case of permanent disability or accidental death caused in an accident.
Daily Cash Allowance: In case of a major accident, the procedure to get your car repaired is too lengthy and your car has to stay in the garage for days or weeks or even more than a month, depending upon the condition of the car. In that situation, you need to commute either in a public transport or hire a cab which is a costly option especially if you have budgetary constraints. So, under this add-on, the insurance company will bear the cost of such daily commutation expenses.
Also, there are too many other add-ons are available in the market which includes Return to Invoice, Engine cover, Key Replacement that you can combine with your standard insurance policy. So, choose wisely according to your requirements to enhance your policy coverage.
1er capitulo.
El sistema de suspension desarrolla fuerza, equilibrio y flexibilidad simultaneamente. No es una moda y no es usarlo por usarlo. Hacer uso de este medio permite conocerte integrarte contigo mismo dandote la posibilidad de no hacer uso de resistencias externas más que tu propio cuerpo. Beneficia a deportistas de diferentes niveles en muchos casos con rendimientos superiores a los del uso de maquinas y permite la rehabilitación con trabajos funcionales a pacientes con lesiones 🤕 en vías de recuperación.
Ahora bien que se puede lograr con este sistema?
👉 Permite entrenar todo el cuerpo y aunque su principal finalidad es potenciar la fuerza muscular
👉 La realización de ejercicios funcionales permite completar el trabajo con pesas tradicionales y mejorar la movilidad, la coordinación y la flexibilidad ya que los rangos de movimientos a los que te sometes son amplios.
➡️ Descubre las potencialidades que te brinda está metodología que permite trabajar todos los grupos musculares de una manera bien funcional, diferente y muy efectiva.
😎 Te dejo por aquí una 1era entrega de ejercicios para que en tu tiempo revises y veas solo algunos movimientos que te permiten fortalecer tu organismo.
⚡Mejora tu balance, fortalece tu equilibrio, llenarte de energía. Desafía tus limites y alcanza un más allá.
nota: Si bien es cierto que trabajas la fuerza también es grandioso para trabajos aeróbicos.
Importante es que debes cuidar la postura en cada movimiento.
🔥 Trabajo de biceps
🔥 Abdominal
🔥 Cuádriceps (sentadillas, desplante)
🔥 Triceps
🔥 Isquiotibiales
🔥 Pecho (flexión y extensión, aperturas)
🔥 Espalda (escápulas, deltoides, trapecios)
🔥 Hombros (inclinado)
#abstrx #perfomancetraining
#trainigsuspencion #trxtraining
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#exercise #trainig
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Mobility has taken over every industry and has dipped its proverbial toes in the auto insurance industry as well. With GPS and accelerometers as high-tech accessories, mobile technology for the automotive industry too has come a long way and has many more miles to go. In an age where digitization and mobility is one of the bare necessities, most auto insurance providers are lost under heaps of paperwork. That's the reason why the concept of auto mobility has shifted its focus to the insurance industry.
A combination of mobility solutions - telematics, analytics and communications, has eased the burden for auto insurers through information on driving style, collection of the same, analyses and reports that benefits all the stakeholders.
User-Based Insurance (UBI)
Insurance providers struggle with allocating premium amounts for their clients. Despite their best calculations, they have incurred losses. Traditionally, insurance companies calculate premiums based on driving records, vehicle use, previous claims, insurance scores based on credits and so on. Policyholders believe that these premiums are usually a fixed value.
Telematics technology will change the face of auto insurance through the usage-based insurance (UBI) pricing system where clients pay as per their usage, driving behavior that is. Pay-as-you-drive gives clients and insurers the freedom to calculate premiums based on not just driving records and vehicle usage but actual or real-time driving information.
Real-time Information
Telematics can calculate every minute detail of the client's driving style, including every hard brake, rapid acceleration, parking style, etc. Analytics will amalgamate, analyze and interpret this data, simplifying it to understand the driving patterns of the client and the risk(s) involved. This driving information will be shared with the insurance provider who can use the same to allocate the insurance premium amount for the respective client.
Vehicular insurance companies have realized the difference that real-time information makes in processing claims. With the ability to capture real-time data in the form of images, videos, driving information, etc., there will be adequate information to process a claim or to decide the insurance amount for a client. It will eliminate the possibility of modified data and increases the accuracy of information analyzed.
Time and Efficiency
Time is everything. Waiting for weeks for insurance agencies to process a claim can be painstaking. Insurance companies will soon provide every client a more personalized and expedited service. Mobile devices will enable evaluation of claims or consultation with clients in their comfort zone. In the case of an accident, real-time data can be captured in the form of videos or images, eliminating the possibility of improper claims or incomplete information, which can prove to be a loss for both parties. Automation will reduce paperwork and redundancy. At the same time, it will increase efficiency and accelerate processing of claims.
Management of Data
With the reduction of paperwork and introduction of technologically advanced analytics frameworks, managing vast quantities of data has become a child's play. Analytics use complex algorithms and mathematical equations to organize, analyze and interpret huge volumes of information. The ability to retrieve relevant information instantaneously and accurately will save a lot of man-hours.
Beyond Insurance
Mobility solutions for auto insurers come with additional services such as roadside assistance in case of an emergency, geo-fencing for parents to monitor their teenager's driving, customer engagement to ensure the loyalty of the client, driving suggestions and other customizable options. Insurance companies will be able to go beyond their regular services for the client's convenience.
Challenges of Telematics
However, there are a few concerns with telematics being used by insurers. Standardized regulations on data capturing and its process is yet to be determined. This raises concerns for loss of privacy or misuse of data. The other concern is when the client wants to switch to another insurance provider. The new insurer might not accept their driving data as the method of data collection is different. This could result in the client losing his benefits and has to start from scratch.
Nonetheless, telematics technology is relatively new and is yet to take over the market fully. Like any new technology, there will be glitches which will be fixed in due time. These challenges will not be an obstacle for auto mobility to be integrated with insurance, as the pros of auto mobility outweigh the cons. Gradually all insurance providers will largely depend on mobility solutions in order to develop their business and will become inevitable for auto insurance to use.
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