Details That Count When Comparing Online Auto Insurance Quotes!

(PRWEB) February 22, 2015 has released a new blog post explaining what details matter when comparing online auto insurance quotes.

Some details are very important for an auto insurance policy as it enables it to calculate the costs of a policy. Clients should know the type of vehicle they own and several technical details. The applicants driving record can also be very important.

Finding free auto insurance quotes from top agencies is now easier than in the past. It is possible to compare hundreds of offers on a single website and in just a few minutes, by visiting

Car insurance quotes can help people find low cost policies that provide good coverage for cars and other vehicles. Finding the best rates online is now more convenient. Visitors can also find additional information about various auto insurance plans on the website. 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. is owned by Internet Marketing Company.

For more information, please visit

How to Decide Between Whole and Term Life Insurance

How to Decide Between Whole and Term Life Insurance
Term life is basic coverage that pays out if you die within a specific time period. You choose the amount of coverage and the policy term ahead of time, and your payments and coverage are guaranteed to stay the same. For example, a $ 100,000 policy with …
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Transgender patients' care out of reach in Sonoma County
Lindsey Sachs' birth certificate says he was born female, but his whole life, he's considered himself a male. He has become so uncomfortable with his female body parts, and disillusioned with his inability to get them removed, that his life has been …
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MU's Ray exudes confidence at NFL Scouting Combine
That's kinda what I've been trying to do my whole life, is prove everybody the kind of elite football player I am, and what I can be.” For the record, Ray … “I've shown that I can make plays in the open field, that I can drop into coverage,” Ray said …

Clements Worldwide Partners with Starr China to Provide International Insurance Solutions in China

Washington, DC and Shanghai, China (PRWEB) February 20, 2015

Clements Worldwide,a global provider of international insurance products and reinsurance capabilities, today announced the launch of a partnership with Starr China to deliver insurance coverage to expatriates and international organizations in China.

Starr China, a premier China-based insurer, is joining forces with Clements to target the international individual and group segment in this growing insurance market. Starr China, under license by Clements Worldwide, will introduce Clements Scholars Offers Live Support For Comparing Car Insurance Quotes!

(PRWEB) February 18, 2015 announces that clients can now contact an insurance broker for live support when comparing online car insurance quotes.

When looking for auto insurance, come people may feel the need to discuss their insurance options with a professional broker. An insurance broker can help many clients find the right type of coverage for their vehicles. These professionals can now be contacted by calling the number displayed on the websites homepage.

Clients can get online car insurance quotes by visiting an insurance brokerage website like: . Here, they will have to complete a simple form. That form contains the same questions an insurance agency would ask.

An auto insurance policy provides essential financial protection for a vehicle. Some plans can also cover medical expenses in case the insured gets involved in an accident. There are multiple plans that provide car insurance. 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. is owned by Internet Marketing Company.

For more information, please visit: .

Find More Protection Policies Press Releases

Product Warranty Insurance Procurement Category Market Research Report Now Available from IBISWorld

Los Angeles, CA (PRWEB) February 15, 2015

The market for product warranty insurance has a buyer power score of 3.5 out of 5. This score indicates that buyers have slightly more leverage than suppliers during the negotiation process. According to IBISWorld analyst Kayley Freshman-Caffrey, a low availability of substitutes hampers buyer negotiating power, while low market share concentration and low price volatility are the most notable factors boosting buyers’ leverage.

The low availability of substitutes is the primary factor hurting buyers in this market. Buyers that wish to obtain protection for one of their items have little choice but to purchase a product warranty insurance policy, says Freshman-Caffrey. Some products come with a free factory warranty provided by the manufacturer, but these warranties are limited in both duration and scope. For example, they normally only cover manufacturer defects and do not offer protection for damage to the product caused by external factors. Furthermore, many products do not include factory warranties. Thus, buyers seeking a warranty must purchase product warranty insurance; this factor limits buyers’ ability to leverage the availability of service alternatives during the negotiation process.

Low market share concentration partially alleviates this problem by cultivating competition among suppliers. Specifically, low market share concentration prevents individual suppliers from dominating the market by spreading market share across a high number of firms. Suppliers must therefore consider competitive pressures when making pricing and service decisions, which compels them to keep their prices within market norms and maintain high service quality. Players in this market include Assurant Solutions, Asurion and Warrantech. Low market share concentration also reinforces low price volatility, another market characteristic benefiting buyers. Low price volatility enables buyers to more accurately budget for their product warranty insurance expenses and empowers them to make their purchase as needed without worrying that prices will spike or fall after they have committed to a contract. For more information, visit IBISWorlds Product Warranty Insurance procurement category market research report page.

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IBISWorld Procurement Report Key Topics

This report is intended to assist buyers of product warranty insurance. Product warranty insurance policies serve as an extended warranty on the products for which they are purchased. Product warranty insurance is also often referred to as a product protection plan. Product protection plans may be offered by the same retailer or manufacturer from which the product is purchased or by a specialized third-party provider. Product warranty insurance terms vary in length and coverage. This report excludes more comprehensive types of property insurance, such as building and contents insurance.

Executive Summary

Pricing Environment

Price Fundamentals

Benchmark Price

Pricing Model

Price Drivers

Recent Price Trend

Price Forecast

Product Characteristics

Product Life Cycle

Total Cost of Ownership

Product Specialization

Substitute Goods


Quality Control

Supply Chain & Vendors

Supply Chain Dynamics

Supply Chain Risk


Competitive Environment

Market Share Concentration

Market Profitability

Switching Costs

Purchasing Process

Buying Basics

Buying Lead Time

Selection Process

Key RFP Elements

Negotiation Questions

Buyer Power Factors

Key Statistics

About IBISWorld Inc.

IBISWorld is one of the world’s leading publishers of business intelligence, specializing in Industry research and Procurement research. Since 1971, IBISWorld has provided thoroughly researched, accurate and current business information. With an extensive online portfolio, valued for its depth and scope, IBISWorlds procurement research reports equip clients with the insight necessary to make better purchasing decisions, faster. Headquartered in Los Angeles, IBISWorld Procurement serves a range of business, professional service and government organizations through more than 10 locations worldwide. For more information, visit or call 1-800-330-3772.

Find Accidental Death and Dismemberment Insurance at Low Prices Online!

(PRWEB) February 17, 2015 has released a new blog post explaining how to purchase accidental death and dismemberment insurance at low prices.

Accidental death and dismemberment insurance commonly known as AD&D is a type of policy that provides benefits in case of an accident. The benefits are meant to cover medical expenses. This type of coverage is usually sold as a rider for an auto insurance policy.

Clients can now visit an insurance brokerage website like and compare online quotes for AD&D insurance. By comparing online auto insurance rates, customers can find low cost policies.

Since it is usually sold as a rider, AD&D is not expensive. The policy can also be bought separately or in combination with other types of coverage such as auto insurance and life insurance. 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. is owned by Internet Marketing Company.

For more information, please visit

Find More Life Insurance Quotes Press Releases

Corporate Social Responsibility Initiative: Chargebacks911 Revamps $50,000 Initiative Get Paid for Grades

Clearwater, FL (PRWEB) February 17, 2015

According to a recent article by the Wall Street Journal, a study found that four in 10 U.S. college students graduate without the complex reasoning skills necessary to manage white-collar work (1)a trend that risk management company Chargebacks911 looks to counteract by providing funding relief, supporting teachers, and motivating student improvement at a younger age, all in an effort to help build a stronger and more sustainable community.

Chargebacks911 launched Get Paid for Grades, a Pinellas Education Foundation-supported program that will reward students up through high school with up to $ 50,000. Students who participate in and meet the conditions of the program will either receive $ 500 in cash in recognition of their hard work during the school year, or students who qualify may optionally select a scholarship for $ 1,000 instead. Additionally, Chargebacks911 will give each student an opportunity to obtain real work experience by attending a total of 12 one-hour workshops geared towards life skills such as work etiquette, professional conduct, interview skills and resume writing.

Chargebacks911 co-founder Monica Eaton-Cardone says that Get Paid for Grades aims to overcome a key flaw in the education system: the current format of the education system does not train students for the skills and characteristics needed for todays workforce.

Get Paid for Grades is designed to inspire students to excel beyond their expectations. We understand that many students need additional support channels, acknowledgement and specific challenges to reach their true potential and prepare them for the real working world, said Eaton-Cardone.

Unlike many scholarship programs that are solely contingent upon overall GPA, Get Paid for Grades measures the level of change among the students grades. The students who make the greatest change in their overall grades (for example, bringing their average grade from a C to an A) will be awarded $ 500 and a letter of recommendation; or, if they so choose, $ 1,000 towards their college tuition. In addition to this funding, the program also provides students with 12 hours of work preparedness workshops, giving the students a higher probability of overcoming the lack of work experience obstacle that many high school and college graduates face today.

In contrast to previous years, Chargebacks911 will target a select group of students, track their progress and publish a case study based on the positive results. The company will then provide an opportunity to apply for a federal grant on behalf of Clearwater High School to assist with administering the Get Paid for Grades program in a larger, more expansive effort.

This year, Get Paid for Grades will run a controlled case study. The purpose of this study is to analyze how an increase in self-confidence and life skills competency in students can ultimately increase the value and contribution to the economy. The program will be available to a limited number of students, not to exceed 100. Teachers are encouraged to nominate four students each. Understanding that attendance is a primary localized concern, this will also be a focal point. The only requirements are that the student must attend 12 one-hour workshops, and sign a release form consenting to sharing their transcript and attendance data for statistical assessment. At the end of the school year, participating students will be awarded $ 500 in cash for their participation in this study. Students who qualify may optionally select a $ 1,000 scholarship.

Get Paid for Grades strives to dispel the myth that increasing numbers of students of todays generation are unable to excel past their high school foundationwe want to discourage that hypothesis by proving a positive statistic of todays high school students and show that, by adding back in community support, we can actually improve their true potential in our own backyards, added Eaton-Cardone.

Chargebacks911 specializes in servicing merchants and the majority of banking institutions in mitigating chargeback disputes. The company services a variety of industries, including cosmetics and skin care, insurance and educational programs, private and public entities, healthcare companies, online dating sites, insurance, retail merchandise, and bid sites.

Chargebacks911 believes that financial literacy and real-world incentives taught at the high-school level gives students the ability to learn the value of academics in application in coordination with the business world, in order to prepare young adults for success.

For more information about Chargebacks911 or Get Paid for Grades, visit

About Global Risk Technologies and Chargebacks911:

Global Risk Technologies is most known for its role in payment processing solutions that cater to each side of the value chain: and The firm is headquartered in Tampa Bay, Florida, with offices in Ireland and Atlanta. They have approximately 350 employees worldwide and currently manage over 150MM in transactions each month, with clients located in the U.S. and Europe.

Chargebacks911 is a division of Global Risk Technologies, and was developed specifically for merchants to offer immediate aid through proprietary technology and provide the necessary function that gives merchants the freedom to focus on their core competency and optimize their in-house skill set. Chargebacks911 focuses on chargeback mitigation and risk management. They specialize in servicing Internet merchants and acquiring banks, offering dispute response solutions and deep analytics. Chargebacks911 works with its client base to help their clients keep dispute rates down and retain their ability to accept credit cards. For more information, visit

1. Belkin, Douglas. Test Finds College Graduates Lack Skills for White-Collar Jobs. Wall Street Journal, 16 Jan. 2015. Web. 10 Feb. 2015.

Related Life Insurance Press Releases

A New Blog Post Presenting Awarded Auto Insurance Companies in 2014!

(PRWEB) February 14, 2015 has released a new blog post presenting a list of auto insurance policies that received numerous awards in 2014.

Purchasing auto insurance plans from reliable agencies is important. The newly released blog post presents companies that received numerous awards in 2014. Clients can thus find the best providers in just a few minutes.

It is now possible to find more information about car insurance online. By visiting , clients can also compare multiple quotes gathered from different agencies online.

Auto insurance is an important policy as it provides financial relief for car repairs. Comprehensive car coverage provides the best protection and pays benefits in numerous situations. 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. is owned by Internet Marketing Company.

For more information, please visit .

AlignLife President Donates Over 300 Vital-i-Tees to Health Missions

(PRWEB) January 21, 2015

Health Missions was established in 2004 to enhance the exposure of natural health care to communities around the world. Health Missions’ focus is divided into three branches of service. The first branch is providing natural health care services to those underprivileged and under served both domestically and internationally. Mission trips and planned integrated clinics will allow different health care providers the opportunity to work together for the common good of the patient. The second branch is education of the public about natural health opportunities and lifestyle choices to enhance their health and vitality. The educational programs that Health Missions and their charter members provide enable citizens to understand their health care options. The final branch of Health Missions is natural health care research. Their goal is to prove the efficacy of natural health care services to enhance their exposure, acceptance and third party reimbursement. Health Missions is committed to enhancing the integration of natural health care options with conventional medicine tot allow the patient to receive the greatest benefit. The research, in a partnership with Life University, will validate natural health care services.

Early in 2014 the founders of Health Missions partnered up with Life University to begin research for publications on the efficacy of natural health care. Studies such as who uses Chiropractic and the effects of chiropractic on specific conditions such as ADHD will be completed and published from this partnership. Unfortunately Health Missions is funded mostly by the existing Charter members and advocates along with fund raising opportunities and some merchandise sales. Without more financial support the completion and publication of this research is far in the future.

This prompted the president of AlignLife, a national chiropractic & natural health center franchise, to donate merchandise for sale. Dr. Cristina started to sell T-shirts while she was finishing her education as a supplemental way to earn an income. “Vital-i-Tees was started when I was in chiropractic school as a way to help drive conversations with people out in the public about chiropractic. The thought was if we can have t-shirts with bold, funny, thought provoking sayings that attracts the attention of the public, it can spark a question that will allow a dialogue to begin about chiropractic. As an introvert myself, I was a lot more comfortable when someone approached me and asked me about my shirt than me starting the conversation with them and these t-shirts is what allowed me to do that,” stated Dr. Esposito.

Over 300 T-Shirts were donated, with prices ranging from $ 8 to $ 15. These shirts will pay for about half of what the research costs in one month. A Health Missions spokes person said, “The sales of these shirts will allow us to push forward in our partnership with Life University and every dollar we generate helps us speed up the process that could help people with things like insurance coverage and having integrated care readily accessible to everyone in America and beyond.”

To view these shirts, visit Health Missions on the Square store at:

If you would like more information on how to become a corporate sponsor, charter member, or even an advocate visit the website here:

Health Missions also participates in programs with Smile Amazon, eScrip group 50045148 as well as a Flower bulb sales program. You may visit the links on more information to passively contribute as well.

Employee Benefits Expert, John Arminio, Joins Ironwood Insurance Services

Atlanta, GA (PRWEB) February 02, 2015

Furthering its commitment to offer nationally competitive resources with a strong local service team, Ironwood Insurance Services announced they have added another experienced and quality industry professional, John Arminio, to its Atlanta team. John will join the employee benefits practice as its newest Benefits Consultant. He will lead a consulting team and assist in expanding the reach of Ironwoods practice.

John is a natural fit for the firm and a welcome addition. He is an expert in medical plan consulting and will be effective in assisting our clients as they manage their ACA compliance and long term benefits strategy, said Mark Conner, Managing Partner of Ironwood Benefits Advisory Services.

As a Benefits Consultant, Johns focus will be client development and support in all areas of the practice including group medical, dental, vision, short and long term disability, life and voluntary benefits. He will provide consulting services to clients in the areas of plan pricing, funding and review, communication and enrollment technologies, plan and employee cost share benchmarking, data analytics, and employee wellness programs.

John began his career as an underwriter where he priced and designed employee benefits programs for customers at the insurance carrier level. This experience gives him a strong acumen for financial analysis, benefits strategy and alternative funding options. He later worked in the field serving large and middle market clients where he continued to develop market and industry expertise.

In our business, people are the assets. We sell a promise, therefore we want the best people representing us, said Will Underwood, Managing Partner. John is a true asset for Ironwood. Not only is he a talented individual, but he also brings expertise gained from nearly a decade of experience working with the largest health insurance carriers.

About Ironwood Insurance Services: Ironwood Insurance Services is a privately held firm providing insurance brokerage, surety services, risk management, employee benefits consulting and human resources outsourcing services. Our firm was founded on the principles of teamwork, integrity and service to others. We recognize that our people are our most valuable asset and believe that great people deliver excellent customer service. Our success is measured by the amount of positive impact we have in the lives of our clients, employees, shareholders and community. To learn more about Ironwood Insurance Services, please visit

Where’s the Podcast?

Hi –

If you came to this page looking for the Short Cummings Audio presents Happily Domesticated podcast, I’m afraid you’ve arrived too late. After four-and-a-half years of production and distribution, I made the decision to shut down the show.

(To be honest, since April of 2010 it’s been re-runs, so it wasn’t too big a jump from that to a total shut down.)

For those of you confused by the first two paragraphs…a little explanation. This blog is the companion to an audio program called Happily Domesticated. That sounds really cool, but it was mostly just me reading the essays into a computer. So if you didn’t stumble across that while it was running…you didn’t miss any of the content…just my voice.

If you want to get in touch with me, post a comment below. I get notified of all of them and I’d love to hear from you.

For those of you — too many to name, but you know who you are — who contributed to the podcast experience; thank you. You made it a wonderful ride!

To those of you who still want access to the material, the essays are all here on the site for your reading pleasure. If there’s something you remember, but can’t find … let me know. I’ll be happy to point you in the right direction.

I’m busy with other writing projects right now and when the time is right, I’ll post information here.

With fond regards,

19 Responses to Where’s the Podcast?

  1. Cooper Coleman

    Kind of feel like I lost a friend…

  2. David Harrison

    Hi Kevin,
    Thanks for riding with my family and I to church each week over the last 4 years. We really appreciated you clean humor. We will miss it. I still have archives of a lot of your shows and we will no doubt listen to them again. It was refreshing to be able to depend on you for humor without the offensive language that a lot of the other comedy show contain.

    Bless you in your future endeavors. – The Harrison Family

  3. Thanks for the last 4 years. My blog, BDGJM, would not exist without your inspiration and mentorship. I will miss your podcasts but I know your projects will be met with success.


  4. Thanks Shane. I’m glad I could be part of your journey as a writer…and I really enjoy your blog!

  5. I’m sorry to hear this. I enjoyed listening to your stories even when they were the reruns. Any plans for any new audio projects or to someday put the audio back up? Either as an archive or even a purchasable dvd?

    • Glad you enjoyed listening. At the moment, I don’t have a place to host an archive, but I’ll give some thought to compiling them into a single disc. The files come to a little over 1 GB, so it would be easy to get ‘em all on a DVD.

  6. I’m sorry to hear this, but glad we got 200 excellent episodes and a year of reruns of some of the favorites. Can’t wait to see what’s next for the KLC media empire.

  7. Hey Kevin, sorry to see it go. Have you heard of a site called ? Maybe there’s an opportunity for them to read your stories instead. Just a thought. Be well.

  8. Hey Kevin! Sorry to see you go. You’re a big part of my podcasting experience, too. Gonna miss you.

  9. Sergey Stopkevych

    Hello Kevin. I came across your podcast series just in the end of the last year. I was so astonished by your clean, sparkling and intelligent humor, that spent two days downloading your essays, and then, for the last several months I’ve enjoyed my driving to work more than ever, shocking people around by insane happiness on my facial expression, especially in the morning. I am Ukrainian and my mother tongue is Russian. I like Russian literature very much and love powerful Russian language. It’s ways different from English, not just by words, you know. Listening to your podcast, I want to thank you for amazing language you made me feel, and, what is much more for the humor which proves that there are like-minded people all over the world despite the language they speak or country they live. I recommended your essays to all my friends who know or learn English and they were astonished as well. That’s really a pity you stopped podcasting, and the only excuse might be that the novel you are co-authoring will be an outstanding one. Good luck!

    • Thank you Sergey. Your kind words are a gift to me.

      My writing partner and I are revising the novel. (Although, my partner is a much better writer than I am.) And we will annouce it in this space when it is available.

  10. i hope you find a solution to archive the podcast somewhere (and get some money for your good work). My French students liked them.

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