Immediate Release &#8211; News Syndication

Top Factors That Influence Car Insurance Costs

“Insurance companies will draw and analyze the risk profile of any potential customer before issuing any policy. That takes some time since many factors are accounted for. Check which factors influence premiums the most” said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
February 25, 2020

Compare-autoinsurance.org has released a new blog post where it presents the top influential factors for car insurance and ways to lower the premiums.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/factors-that-influence-the-insurance-costs/

Car insurance premiums are determined after analyzing multiple factors. Each company develops a specific algorithm for calculating premiums. Car insurance quotes online provided by http://compare-autoinsurance.org will help drivers discover the average insurance costs.

The factors used to determine premiums are classified in the following categories:

Demographic factors. Insurance companies use statistics for various social groups and geographical locations. This is why a potential customer is asked about age, gender, marital status, job, and address. The area where a client lives is very important for companies. They will check criminality rates, especially for vandalism and car theft. Population density and the number of cars in the area will also influence the final price.

Driving history. Companies will question the potential client about the driving experience, driving education and driving records. A person with a clean driving record will be considered safe and will pay less. Graduating defensive driving programs will also help to get a series of discounts. On the opposite, persons convicted for accidents or traffic violations will be considered high-risk

Car model and its features. Insurance companies check safety ratings and recent recalls for any particular model. Adding extra safety and tracking devices will make the car safer and the premiums lower. Insurers prefer medium-sized family cars. Having a top A+ safety pick will help drivers get car insurance faster, easier and cheaper.

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://compare-autoinsurance.org

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Wendy Colby Named Chief Executive Officer of AccelerEd

AccelerEd – Innovation Works Here

AccelerEd is a unique model to innovate, incubate and scale new learning solutions and delivery models that will differentiate, transform and create continuing market value for higher education.

BETHESDA, Md. (PRWEB)
February 25, 2020

AccelerEd, a UMUC Ventures company, today announced the appointment of Wendy Colby as Chief Executive Officer. Colby, a leader in global online education, brings extensive experience in driving product innovation, market growth and digital transformation. Most recently, she served in a variety of senior executive roles at Laureate Education, collaborating with university partners and leaders around the world to create high-impact student experiences.

“Wendy has spent her career creating online programs and digital platforms that have transformed the delivery of education,” said Lou Pugliese, Chief Executive Officer of UMUC Ventures. “She brings to AccelerEd a unique ability to strategically conceptualize, design and deliver technology-enabled learning solutions that align academic and operational requirements to improve student experiences and outcomes. Her passion for education, collaborative leadership style and customer-focused product expertise are ideally suited to help AccelerEd achieve its mission of enabling education institutions to adapt, grow and compete in a continuously evolving market environment.”

Born from the University of Maryland Global Campus (formerly UMUC) – America’s largest online public university – AccelerEd brings a seven-decade legacy of talent, knowledge and demonstrated expertise to enable higher education institutions to evolve, innovate and advance their strategic goals and missions.

“AccelerEd is a unique model to innovate, incubate and scale new learning solutions and delivery models that will differentiate, transform and create continuing market value for higher education,” Colby commented. “I am excited to join AccelerEd and our parent, UMUC Ventures, in conceiving, developing and delivering new solutions that deliver sustainable, affordable, high-quality digital teaching and learning that foster new market opportunities and better serve the changing needs of students and employers.”

Colby joined Laureate Education in 2014 to lead the development, advancement and commercialization of a portfolio of network-wide digital solutions and learning innovations. During her tenure, she led the design, development and scale of a global online digital platform for a network of universities, reaching over 80 institutions and over one million users. Prior to Laureate Education, she was the Chief Marketing and Products Officer at Carnegie Innovations/Carnegie Mellon University (CMU). Previously, Colby held senior executive leadership positions in product development and innovation at Houghton Mifflin Harcourt, Thomson Reuters (Thomson Learning) and DigitalThink.

ABOUT ACCELERED

AccelerEd’s innovative solutions and services are designed to catalyze growth and operational efficiency for higher education institutions. We implement advanced digital teaching and learning solutions that allow institutions to leverage technology more efficiently and free education leaders and administrators to focus on student outcomes. AccelerEd is a portfolio company of UMUC Ventures. To learn more about AccelerEd, visit AccelerEd.com.

ABOUT UMUC VENTURES

UMUC Ventures is an innovative business model for higher education that funds, develops and launches new innovative ventures that help higher education institutions compete more effectively in an era of rapid change. UMUC Ventures is a nonprofit, 501(c)(3) supporting organization created by University of Maryland Global Campus (UMGC) to help build the university’s endowment to maintain the affordability of a high quality UMGC education for adult learners in Maryland and around the world. To learn more about UMUC Ventures, visit UMUCVentures.org.

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Vermont’s captive insurance professionals rise to the top in Captive Review’s annual “Power 50” and “Ones to Watch” polls

MONTPELIER, Vt. (PRWEB)
February 25, 2020

Captive Review, a leading London-based trade publication for the captive insurance industry, has released their annual “Power 50” and “Ones to Watch” selections. These prestigious polls recognize the most influential individuals in the global captive insurance industry. A record ten captive insurance professionals with ties to Vermont were recognized, more than any other jurisdiction.

Sandy Bigglestone, Director of Captive Insurance at the Vermont Department of Financial Regulation, was one of only two regulators recognized and also the highest-ranking, climbing five spots to number 17 in this year’s “Power 50”. “Sandy’s imprint goes far beyond Vermont’s regulations,” said Dave Provost, Deputy Commissioner of Captive Insurance. “Her leadership on the NAIC’s risk retention group task force is just one example of how constructively she works with other regulators as well as the business community.”

Five Vermont-domiciled captive owners were also recognized, including: Julie Bordo (43), President and General Manager, PCH Mutual Insurance Co; Steve H. Legg (38), Director Risk Management, Olympic Casualty Insurance; Andrew Baillie (32), Program Director Global Insurance Property, The AES Corporation; Heather McClure (27), Chief Risk Officer, OU Medicine; and Deyna Feng (20), Director Captive Programs, Cummins Inc. Collectively, these individuals account for more than half of all captive owners represented on the “Power 50”.

Vermont captive professionals also featured on the “Power 50” included Rich Smith (25), President, Vermont Captive Insurance Association, and Nancy Gray (15), Regional Managing Director Americas, Aon Captive and Insurance Management. “Vermont has long been home to some of the most influential and respected captive professionals in the industry,” said Mike Pieciak, Commissioner of the Department of Financial Regulation. “The individuals with ties to Vermont recognized on this list are not only at the top of their fields but also give back continuously to the industry with their time and talents.”

Also announced was Captive Review’s “Ones to Watch” list. The “Ones to Watch” category recognizes individuals that have recently risen to prominence in the industry and that will be looking to make their mark in the years ahead. Erin Hackett, Senior Audit Manager with Crowe and a Vermont-based service provider, was recognized for her many professional accomplishments, including becoming the youngest-ever appointee to the Captive Insurance Companies Association (CICA) Board of Directors and for her work as chair of CICA’s NextGen Taskforce.

Ian Davis, Vermont’s Director of Financial Services, was also recognized for a third straight year on the “Ones to Watch” list. “Davis continues to be one of the names everyone knows” said Lauren Ingram, Editor of Captive Review. “Davis has effectively become the face of Vermont’s industry, engaging the US and international captive industry with charm and skill. Projects such as trade missions to Mexico and travelling to events in Europe have meant that Vermont remains not only the largest domicile but the most innovative.”

Captive insurance is a regulated form of self-insurance that has existed since the 1960’s and has been a part of the Vermont insurance industry since 1981, when Vermont passed the Special Insurer Act. Captive insurance companies are formed by companies or groups of companies as a form of alternative insurance to better manage their own risk. Captives are commonly used for corporate lines of insurance such as property, general liability, products liability, or professional liability.

For more information on Vermont’s captive industry, visit http://www.vermontcaptive.com, call Ian Davis at 802-828-5232 or email Ian.Davis@vermont.gov.

The Department of Economic Development operates within the Agency of Commerce and Community Development, whose mission is to help Vermonters improve their quality of life and build strong communities.

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Business Acceleration Company LUDWIG+ Bolsters Rapid Growth with Key Senior Hires

Ludwig+ Logo

LUDWIG+ clients range from healthcare to packaged goods, to a large financial services practice. The greater Detroit agency hails national and international clients with a team that is expected to reach 40+ team members by the agency’s first anniversary.

BINGHAM FARMS, Mich. (PRWEB)
February 25, 2020

Since the opening of LUDWIG+ last August 2019, the full-service brand transformation and business acceleration company, has more than tripled its client list to 15+. With the rapid growth has come several major hires – Liz Behler joins as SVP/Strategy and Innovation, and powerhouse Creative Director Robin Todd joins the creative leadership team. The Detroit advertising stars will serve in key leadership roles, boosting the agency’s capabilities, growing talent and client roster.

“I’m thrilled to join a team who is creating business-defining brand ideas that ignite organizations and reshape entire industries,” said LUDWIG+ SVP Liz Behler. “It was important to me that I found an environment where there are no limits to where we can go, and I can expand my edges.”

As SVP/Strategy and Innovation, Behler is charged with taking clients to fresh, strategically sound places to drive business success. Behler comes to Ludwig+ from Huge, a design, media and technology company, where she led planning and created highly impactful work for major national brands.

Also joining Ludwig+ is Robin Todd. As Creative Director, Todd brings award-winning creative chops and insight to the impressive roster of clients. Todd will join the ranks of several highly decorated creative talent, including Creative Chariman Bill Ludwig, ECD Jennifer Grasso, Creative Directors Eric Livingston and Steve Platto. Todd will be the leader on several client teams.

“LUDWIG+ is unlike any other agency I’ve ever worked at,” said Robin Todd. “Beyond the break-through thinking that drives huge ROI for clients, there’s a unique culture that gets you excited to come to work each day,” said LUDWIG+ Creative Director Robin Todd.

Prior to Ludwig+, Todd served as Creative Director at Doner and Campbell-Ewald brining a wealth of stellar experience building brands, from automotive and fashion to healthcare and packaged goods.

“Liz and Robin bring incredible energy and limitless thinking to our brilliant team,” said CEO Barbara Yolles. “We’re thrilled that they’re joining the forces at LUDWIG+ where we’re not just creating big, transformative ideas, we’re helping our clients scheme their business for significant growth.”

LUDWIG+ clients range from healthcare to packaged goods, to a large financial services practice. The greater Detroit agency hails national and international clients with a team that is expected to reach 40+ team members by the agency’s first anniversary. “We are assembling an amazing roster of clients and a formidable team.” said Yolles, “Stay tuned. We’re just getting started.”

About LUDWIG+

LUDWIG+ is a full-service, woman-owned Brand Transformation and Business Acceleration marketing partner that excels in mind-blowing digital technology, infectious social media, brilliant strategic planning, laser-focused media planning, efficient media buying, insightful analytics, wicked-good creative brand activation that contains all those valuable keywords, like the ones found in this long run-on sentence, to drive SEO/SEM. LUDWIG+ is headquartered in Metro Detroit. For more information, go to: ludwigplus.com.

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How To Compare Prices And Select The Best Deal

“Use online quotes to compare offers in your area and get the best deal. Our website will help you get free quotes and compare all available offers”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
February 25, 2020

Compare-autoinsurance.org has released a new blog post that explains how the clients should compare car insurance rates and save money.

For more info and free quotes online, visit https://compare-autoinsurance.org/how-to-compare-auto-insurance-prices/

When determining rates, companies analyze several socio-economic factors. Age, gender, employment status and driving history are top influential factors. Clients who want to get quotes, compare prices and choose the best offers, should follow the next steps:

Analyze the factors used to determine premiums. There are many factors taken into consideration when determining insurance costs. The most influential factors are car’s make and model, driving history, demographic factors, recent claims, and traffic violations and coverage options. All these variables are added in a rates calculator and the client will be presented with an insurability score and a quote. Each factor has its importance. For example, married persons are statistically safer drivers and they end up paying less on car insurance.

Understand which risk category they are placed, then look for adequate companies. For Standard and Preferred drivers, the insurance process is really simple. Make a list with top reputable companies and get quotes for each one of them. Things get complicated for high-risk drivers. They must find non-standard carriers, get quotes and compare prices. Comparison is really important in this case since high-risk drivers will have to pay a whole lot more.

Get multiple quotes from brokerage websites. There will be many smaller, more local companies included in those quotes obtained from brokerage websites. But in many cases, smaller companies offer top competitive services at lower costs. It really pays to shop around and not limit the options to just 2 or 3 companies. Furthermore, all results are obtained using the same data and for the same product. This gives no room for errors. Clients who use brokerage websites can quickly sort offers by prices. But do not be guided only by price. Check what other benefits and bonuses can be obtained by applying to each offer.

Making several changes will help drivers get better rates. Many insurance questionnaires ask about installed anti-theft devices, graduating defensive driving or installing telematics. These will help lower the costs. Teens can also get better rates if they agree to follow the rules of a customized contract. UBI programs will help good drivers get better rates.

For more information and free car insurance quotes, visit https://compare-autoinsurance.org/

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Lido Advisors Hosts Exclusive Client Appreciation Event with County Commissioner at New Regional Office in Boca Raton, Florida

Lido Advisors

Key speakers included Lido Advisors CEO Gregory P. Kushner, CPA*, Chief Investment Officer Jeff Garden, CFA®, President Jason Ozur, CPA*, Managing Director Ken Stern, CFP®, as well as Managing Director Robert W. Marton, CFP®, CIMA® and Director John Bute, CPA of the Boca Raton office.

LOS ANGELES (PRWEB)
February 25, 2020

Lido Advisors, LLC, a Los Angeles-based, full-service, independent, Registered Investment Advisory firm (“RIA”), hosted a commemoration event on Wednesday at their recently opened regional office in Boca Raton. Attendees ranged from the managing partners of Lido Advisors to County Commissioner Robert Weinroth, among others.

The celebration accommodated over 150 clients, executives, and county officials in attendance, shifting from afternoon cocktails and heavy appetizers to an evening of detailed presentations, desserts, market updates, and a closer look at Lido’s origins, growth, and vision for the future.

Key speakers included executives from Michael Dell’s Family Office, MSD, and GTIS of the private equity and real estate investment space, Lido Advisors CEO Gregory P. Kushner, CPA*, Chief Investment Officer Jeff Garden, CFA®, President Jason Ozur, CPA*, Managing Director Ken Stern, CFP®, as well as Managing Director Robert W. Marton, CFP®, CIMA® and Director John Bute, CPA of the recently launched Boca Raton office.

The event honored clients with equal parts appreciation and in-depth discussion, while sending a clear message that Lido’s new presence in the region will continue to grow, providing both innovative wealth management and sophisticated strategies for high-net-worth investors.

*CPA (inactive)

About Lido Advisors

Lido Advisors, LLC is a nationally ranked wealth advisory firm headquartered in Los Angeles, California with over $5 billion in assets under management and offices throughout the United States. Lido seeks to provide comprehensive investment and wealth solutions designed to grow, protect, and maximize our clients’ legacies, with due consideration given to tax and estate-planning facets of our clients’ lives.

Lido strives to deliver consistent growth and expansion, with innovation and integrity. As a nationally recognized leader in wealth management, we offer unique strategies and exemplary service for wealthy families and select institutions.

To learn more about Lido Advisors, visit http://www.lidoadvisors.com.

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10,000 Baby Boomers Hit Age 65 Every Day, Millennials Must Arrange for Care

Today, more baby boomers are divorced and live alone than did their parents, which puts even a greater care-giving pressure on Millennials

CLEARWATER, Fla. (PRWEB)
February 24, 2020

Technology has made it possible for baby boomers, those born between 1946-1964, to live longer. Currently, their average life expectancy in the US is 78.9 years. (2) Yet, the age they require care is getting younger set at 66 years. As senior care progresses, the age of their caregivers is also proportionally decreasing. In 2018, survey results showed that the average age of a caregiver has dropped to 47 years. (2) Typically, the responsibility of care falls on the children of seniors, known today, as millennials, those born between 1980 to 2000. The relationship between these two generations, however, can substantially impact the care seniors receive from their children. With recent accounts of a dismissive phrase, “OK Boomer,” going viral on media outlets globally, the cultural gap between these two generations are straying. When it comes to caring for seniors, John Clifford, COO, Ensurem LLC, urges millennials to view their senior counterparts as more than just “Boomers,” but as parents whose lives will depend on the quality of care they receive from their children. Millennials, however, are encouraged to arrange for care if they are unable to fulfill the caregiver role by becoming educated on Medicare and Medicare Advantage systems. (3)

Why Baby Boomers Need More Care

Baby boomers are hitting the age of 65 at an average of 10,000 per day. Of those, according to a PWC survey, only one third have savings just shy of $50,000 or less. Factors that contributed to these low saving accounts, include baby boomers working for employers that did not offer a standard 401k or becoming bankrupt and losing one’s home during the financial crisis of 2008.(4) Along with not being financially equipped to care for themselves, one significant reason care for seniors needing care sooner is because of tech advancements including, earlier detection of conditions such as Alzheimer’s disease. (3)

How to Avoid Medicare Confusion

Whether millennials plan on taking on the caregiver role or not—they need to stay informed about what Medicare and Medicare supplemental plans can provide. For example, the millennials who cannot commit to becoming full-time caretakers, should investigate whether their loved one qualifies for at-home health services through Medicare since these types of benefits are only provided if the beneficiary meets certain conditions. Medicare Supplement insurance however, depending on the plan, may also cover a portion of the coinsurance for certain supplies required for at-home health care, including, but not limited to aids like walkers and wheelchairs. In addition, some Medicare Supplement plans may provide coinsurance for skilled nursing facility care.

Another important thing for caregivers to take into consideration is preexisting conditions. Insurance companies cannot deny your application for Medicare Supplement insurance due to preexisting conditions as long as the beneficiary enrolls during their initial enrollment period. While, with Medicare Advantage, ESRD is the only preexisting condition for which a Medicare Advantage carrier can decline your application.

“Medicare can be confusing and difficult to understand,” says Clifford. Ensurem however, has created a user-friendly technology that deletes this confusion. It provides a platform for consumers to compare and understand all working parts of the Medicare system, especially because two-thirds of people who file for bankruptcy cite medical issues as a key contributor to their financial downfall. (4)

Today, more baby boomers are divorced and live alone than did their parents, which puts even a greater caregiving pressure on millennials—pressure that baby boomers didn’t experience when their parents were seniors. Now, with a streamlined Medicare platform, neither boomers nor their millennial children, will have to suffer any financial losses due to medical or caregiving expenses in advance to head off any potential disasters. (1)

About Ensurem

Ensurem, headquartered in Clearwater, FL, is a leading technology and product distribution company serving carriers and consumers within the massive U.S. senior market. The company provides end-to-end solutions for carriers, including product development, digital marketing, and consumer-centric front ends and back ends. For more information, please visit http://www.Ensurem.com

1.    Ensurem. “Why Millennials Need to Know More About Medicare.” Why Millennials Need to Know More About Medicare, 2019, blog.ensurem.com/millennials-need-know-medicare-compare-medicare-supplement-plans.

2.    “U.S. Life Expectancy 1950-2020.” MacroTrends, 2018, macrotrends.net/countries/USA/united-states/life-expectancy.

3.    Rohrich, Zoe. “Why More Millennials Are Becoming Caregivers.” PBS, Public Broadcasting Service, 16 Jan. 2019, pbs.org/newshour/health/why-more-millennials-are-becoming-caregivers

4.    Campbell, Todd. “Baby Boomers’ Average Savings for Retirement.” The Motley Fool, The Motley Fool, 17 Dec. 2016, fool.com/retirement/2016/12/17/baby-boomers-average-savings-for-retirement.aspx.

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Doug McMillan, President of zumBrunnen, Inc., Presenting Educational Session at 2020 LeadingAge Illinois Annual Meeting & Expo

ATLANTA (PRWEB)
February 25, 2020

Doug McMillan, P.E., President of zumBrunnen, Inc., is presenting an educational session at the LeadingAge Illinois Annual Meeting & Expo being held March 17-19, 2020 in Schaumburg, IL. McMillan will be available after the presentation to answer questions about reserve studies, facility condition assessments, capital replacement planning, construction monitoring, and other building-related services.

Strategic Capital Planning: Real Answers for Real Problems:

Tuesday, March 17 from 1:30-2:30 PM (Session 124B)

McMillan is presenting an educational session on strategic capital planning. Attendees will learn about the basics of facility assessments and capital budget planning, including the philosophies and methodologies of the process, and what to look for in consultants who perform this work. McMillan will also discuss new trends and technologies in building systems and equipment, including upgrades that facilities can implement for increased energy efficiency and utilization of green technology. The session will explain how facility assessments and establishment of a thorough capital repair and replacement budget position you to objectively model and validate a renovation, re-positioning, or replacement of a building or an entire facility

About Doug McMillan, P.E.:

Doug McMillan, P.E., is President of zumBrunnen, Inc. He began his engineering career in 1980, and he joined zumBrunnen in 1998. McMillan received his Bachelor of Science degree in Civil Engineering from the Georgia Institute of Technology in Atlanta, GA. He is a former Resident Engineer with the U.S. Army Corps of Engineers, and he is a member of the Society of American Military Engineers (SAME) and the American Society of Civil Engineers (ASCE). McMillan is a licensed professional Civil Engineer in the state of California.

“We are proud to be active members of LeadingAge,” said McMillan. “For over 30 years, our firm has partnered with hundreds of senior living providers. We enjoy helping our senior living clients evaluate buildings, create accurate budgets, and successfully manage their facilities.”

About LeadingAge:

LeadingAge is an association of over 6,000 not-for-profit organizations dedicated to expanding the world of possibilities for aging. LeadingAge strives to advance policies, promote practices, and conduct research that supports, enables, and empowers people to live fully as they age. LeadingAge’s members offer a continuum of aging services including, adult day services, home health, community services, senior housing, assisted living residences, continuing care retirement communities, and nursing homes. For more information, please visit http://www.LeadingAge.org.

About zumBrunnen, Inc.:

Founded in 1989, zumBrunnen, Inc. has offices in Atlanta, GA, Charlotte, NC, and Johnson City, TN. The firm specializes in long-range capital replacement planning, reserve studies, reserve study updates, property condition assessments, facility condition assessments, construction consulting, construction monitoring, and other building-related services for a diverse list of national and international clients.

The firm is also known for its proprietary FacilityForecast® Software System, a unique facility condition assessment and budgeting tool designed to forecast and manage “life-term” capital replacement expenses and to provide custom reserve funding plans designed to their client’s business model.

The firm has completed notable projects in a variety of market sectors, including senior living, educational, multi-family, student housing, healthcare, institutional, mixed-use, retail, office, warehouse, industrial, hospitality, and public assembly. The firm is involved with several professional trade associations, including LeadingAge (at a national level), LeadingAge North Carolina, and LeadingAge Georgia. For more information, please visit http://www.zumbrunnen.com.

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Neighborhood Credit Union Presents Children’s Health of North Texas with $60,000