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How much do you pay for your auto insurance? If you are reading this, the answer is most likely “too much!” You are looking for information that will help you save your hard-earned dollars, and you have found it. Ten Questions has been completely updated, revised, and expanded for 2012. It has also been reformatted for the Kindle at last, and the most effective way to use the guide is to own both the ebook and paperback versions. Ten Questions is not a book for "dummies," but it is an easy to use, half-hour read, specifically designed to help save you money. It is a comprehensive and detailed explanation of the underwriting process involved in determining the amount of premium you pay. The facts and clear examples included in the guide are based on my years of experience as a top-rated Sales Agent, and the thousands of auto insurance policies I personally have sold. Chapter One, “Risk” will help you understand what factors are used to determine your rating “tier,” and how to improve them. The amount of premium you pay is determined by the amount of “risk” you are seen to represent. Much of that determination is made through your answers to a series of questions you will be asked, either online, or in person by an agent. These are the “Ten Questions” referred to in the title. Chapter Two, “Discounts” contains a detailed description of nearly every available auto insurance discount, and how to obtain them. A single 5% discount that you have been missing each policy term is costing you far more than this guide will. You will also gain the knowledge that you will need to progressively lower your rates over time. Chapter Three, “Coverages” is a comprehensive explanation of nearly every available auto insurance coverage, including what each one does, (and does not do) for you, and how to the determine the proper balance of cost versus benefit when choosing them. When you finish reading it, you will know more about auto insurance than most agents do. Ten Questions isn't about getting the cheapest policy at the cheapest price: It's about getting the best policy at the best price. Chapter Four, “Sample Quote Process,” is your ultimate weapon in getting your new policy, because it details an actual phone quote in real time, along with the “correct” answers to the “Ten Questions.” Knowledge is power, and this guide is a very powerful tool that you will be able to use as long as you are driving and insuring vehicles. Advanced Topics is new for 2012,and this section includes “Youthful Driver Strategies,” and “State Specific Information,” such as a layman's explanation of so-called “No-Fault” coverages, and “Full,” versus “Limited” Tort. The Appendix contains all the technical terms that are used in the guide, to help you understand the "trade talk" in the auto insurance industry. This guide will save you money in several ways, including: It will help you find and qualify for discounts. It will show you how to improve your rating tier, and lower your “base rate.” It will help you allocate your premium dollars more effectively, so that you get the best coverage at the best price. Find out what the insurance companies don't want you to know, like the fact that you can switch carriers any time you want, as often as you want. You do not have to wait until your current policy renews in order to do so. Learn the answers to the Ten Questions today, and get a better policy for less money, tomorrow.
INSTANT NEW YORK TIMES BESTSELLER “One of the most important books I’ve ever read—an indispensable guide to thinking clearly about the world.” – Bill Gates “Hans Rosling tells the story of ‘the secret silent miracle of human progress’ as only he can. But Factfulness does much more than that. It also explains why progress is so often secret and silent and teaches readers how to see it clearly.” —Melinda Gates "Factfulness by Hans Rosling, an outstanding international public health expert, is a hopeful book about the potential for human progress when we work off facts rather than our inherent biases." - Former U.S. President Barack Obama Factfulness: The stress-reducing habit of only carrying opinions for which you have strong supporting facts. When asked simple questions about global trends—what percentage of the world’s population live in poverty; why the world’s population is increasing; how many girls finish school—we systematically get the answers wrong. So wrong that a chimpanzee choosing answers at random will consistently outguess teachers, journalists, Nobel laureates, and investment bankers. In Factfulness, Professor of International Health and global TED phenomenon Hans Rosling, together with his two long-time collaborators, Anna and Ola, offers a radical new explanation of why this happens. They reveal the ten instincts that distort our perspective—from our tendency to divide the world into two camps (usually some version of us and them) to the way we consume media (where fear rules) to how we perceive progress (believing that most things are getting worse). Our problem is that we don’t know what we don’t know, and even our guesses are informed by unconscious and predictable biases. It turns out that the world, for all its imperfections, is in a much better state than we might think. That doesn’t mean there aren’t real concerns. But when we worry about everything all the time instead of embracing a worldview based on facts, we can lose our ability to focus on the things that threaten us most. Inspiring and revelatory, filled with lively anecdotes and moving stories, Factfulness is an urgent and essential book that will change the way you see the world and empower you to respond to the crises and opportunities of the future. --- “This book is my last battle in my life-long mission to fight devastating ignorance...Previously I armed myself with huge data sets, eye-opening software, an energetic learning style and a Swedish bayonet for sword-swallowing. It wasn’t enough. But I hope this book will be.” Hans Rosling, February 2017.
The Financial Crisis Inquiry Report, published by the U.S. Government and the Financial Crisis Inquiry Commission in early 2011, is the official government report on the United States financial collapse and the review of major financial institutions that bankrupted and failed, or would have without help from the government. The commission and the report were implemented after Congress passed an act in 2009 to review and prevent fraudulent activity. The report details, among other things, the periods before, during, and after the crisis, what led up to it, and analyses of subprime mortgage lending, credit expansion and banking policies, the collapse of companies like Fannie Mae and Freddie Mac, and the federal bailouts of Lehman and AIG. It also discusses the aftermath of the fallout and our current state. This report should be of interest to anyone concerned about the financial situation in the U.S. and around the world.THE FINANCIAL CRISIS INQUIRY COMMISSION is an independent, bi-partisan, government-appointed panel of 10 people that was created to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." It was established as part of the Fraud Enforcement and Recovery Act of 2009. The commission consisted of private citizens with expertise in economics and finance, banking, housing, market regulation, and consumer protection. They examined and reported on "the collapse of major financial institutions that failed or would have failed if not for exceptional assistance from the government."News Dissector DANNY SCHECHTER is a journalist, blogger and filmmaker. He has been reporting on economic crises since the 1980's when he was with ABC News. His film In Debt We Trust warned of the economic meltdown in 2006. He has since written three books on the subject including Plunder: Investigating Our Economic Calamity (Cosimo Books, 2008), and The Crime Of Our Time: Why Wall Street Is Not Too Big to Jail (Disinfo Books, 2011), a companion to his latest film Plunder The Crime Of Our Time. He can be reached online at www.newsdissector.com.
"An exemplary biography—exhaustively researched, fair-minded and easy to read. It can nestle on the same shelf as David McCullough’s Truman, a high compliment indeed." —The Wall Street Journal The definitive biography of Herbert Hoover, one of the most remarkable Americans of the twentieth century—a wholly original account that will forever change the way Americans understand the man, his presidency, his battle against the Great Depression, and their own history. An impoverished orphan who built a fortune. A great humanitarian. A president elected in a landslide and then resoundingly defeated four years later. Arguably the father of both New Deal liberalism and modern conservatism, Herbert Hoover lived one of the most extraordinary American lives of the twentieth century. Yet however astonishing, his accomplishments are often eclipsed by the perception that Hoover was inept and heartless in the face of the Great Depression. Now, Kenneth Whyte vividly recreates Hoover’s rich and dramatic life in all its complex glory. He follows Hoover through his Iowa boyhood, his cutthroat business career, his brilliant rescue of millions of lives during World War I and the 1927 Mississippi floods, his misconstrued presidency, his defeat at the hands of a ruthless Franklin Roosevelt, his devastating years in the political wilderness, his return to grace as Truman's emissary to help European refugees after World War II, and his final vindication in the days of Kennedy's "New Frontier." Ultimately, Whyte brings to light Hoover’s complexities and contradictions—his modesty and ambition, his ruthlessness and extreme generosity—as well as his profound political legacy. Hoover: An Extraordinary Life in Extraordinary Times is the epic, poignant story of the deprived boy who, through force of will, made himself the most accomplished figure in the land, and who experienced a range of achievements and failures unmatched by any American of his, or perhaps any, era. Here, for the first time, is the definitive biography that fully captures the colossal scale of Hoover’s momentous life and volatile times.
"Bibliography found online at tonyrobbins.com/masterthegame"--Page [643].
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