Bil Hatch - License: 0h12179

02/02/2021

Our guests this week will include Steve Carrasco, a Financial Services Professional (https://www.facebook.com/steve.carrasco.31/) and Joel Clelland, also a Financial Services Professional (https://facebook.com/joeldouglasclelland) and Board Chair of Project Boon (http://projectboon.org). Eat & Be Well can be found on their own website (http://eatbewell.org).

This will be the most fun you can have in a podcast! Tuesday nights are destined to be the time you'll get your music fix. "Not Quite After Midnight" is centered around musicians, the music business, and businesses that support musicians (either in what they do or how they do what they do). We'll do a little talking, my musical guests will play a little music, and we'll all have a good time. Raise a glass to each other; you'll enjoy yourself.

Our guests this week will include Steve Carrasco, a Financial Services Professional (https://www.facebook.com/steve.carrasco.31/) and Joel Clelland, also a Financial Services Professional (https://facebook.com/joeldouglasclelland) and Board Chair of Project Boon (http://projectboon.org). Eat & Be We...

11/25/2020

We help parents build stronger family bonds using proven techniques.

My team and I are currently developing an online workshop I plan to begin offering after the start of the new year.

Please take my survey at https://www.surveymonkey.com/r/5ZDKX99.

Respectfully,

Bil Hatch

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Please take the survey titled "Market Research - Pilot Program Questionnaire". Your feedback is important!

11/12/2020

Hi, it's Bil. I'm designing a workshop around the needs of parents and their children. Please help me out by taking this survey and sharing it with your contacts.

Please take the survey titled "Market Research - Pilot Program Questionnaire". Your feedback is important!

10/08/2020

Lots of Americans have discovered Medi-Share, an affordable alternative to health insurance. Join hundreds of thousands of Christians who share each other’s medical bills. Let me tell you how you can become a part of this sharing community.

09/30/2020

5 Steps To Cheap Car Insurance Premiums

Car insurance is compulsory, but it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive car insurance rates really can save you serious money at renewal time.

Step 1 - Cut the Risk and Cut the Cost
The easiest way to cut your car insurance premiums is to cut the risk and accept a higher voluntary excess. An insurer's standard excess may be £100 but if you meet the first £250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft or a bill for repairing bodywork damage after a car park crunch.

Step 2 - Security Means Savings
Fitting security devices can also result in cheap car insurance premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security. It saves you money when your insurance renewal is due and gives you extra peace of mind.

Step 3 - Annual Mileage, Less Means More in Your Pocket
If your annual mileage is, 5,000 miles or less, ask insurers if they offer discounts for agreed mileage restrictions.

Step 4 - Named Drivers Trick
Adding a named driver to your policy can increase or reduce your premiums depending upon the named drivers age, s*x and driving record. Adding a young driver will increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly if the named driver is female!

Step 5 - Shop Around and Save Even More
The biggest car insurance savings come from shopping around. There can be massive differences between the lowest and highest car insurance quotes for exactly the same car and driver(s). Start off using good comparitive online quotation sites, take their best quotes and go direct to the cheapest car insurance company for more specific quotes.

So next time your renewal quote arrives, don't just accept it and give your money away to the insurance company. Use the steps above and get the right cover at the right price.

09/29/2020

5 Situations It Would Pay To Have Travel Insurance

No one likes to think about the worst when you’re planning a holiday – that’s for the journey back when you’re thinking about the stack of papers that need dealing with on Monday when you’re back in the office.

Sadly, there are hundreds of things which could go wrong when you’re on your travels around the world. And ‘away from home’ is the last place you want to be when things start to go wrong. Unfamiliar surroundings can make a bad situation considerably worse, but having appropriate global travel insurance can really lighten the load.

“I never thought it would happen to me” is a phrase you hear a lot in my trade – fortunately the types who say it to me are the types who took the smart decision to buy global travel insurance anyway. You can never be too sure, and for that reason here are 5 scenarios when your UK travel insurance company would swoop in to save the day wherever you are in the world:

You have to cancel your vacation for a death in the family

No one can accurately predict when a loved one will pass away, and with holidays booked months in advance, it’s no wonder that the unexpected often occurs and a family is forced to cancel or delay their vacation plans. If you don’t have travel insurance though, the losses will be firmly for you to soak up. With global travel insurance, the provider should reimburse you the costs involved so you can rebook at a more appropriate juncture.

Your daughter is hospitalized after a nasty fall abroad

A child playing in unfamiliar surroundings is often a recipe for trouble. If your daughter were to fall and break bones while on your holiday, a timely and expensive visit to the local hospital will be on the cards. While everyone would be happy to pay for their daughter’s recovery, it is always easier if your UK travel insurance company is on hand to foot the bill – leaving you with more cash to sightsee when your daughter is able.

Your holiday apartment is broken into and your valuables are stolen

There’s no disguising the fact that affluent holiday makers are an obvious target for crime, and holiday apartments often contain rich pickings for burglars. If your possessions are stolen while you’re out enjoying the sunshine then it can ruin a holiday – fortunately, appropriate travel insurance can save the day by replacing or reimbursing you for the items stolen.

You injure a complete stranger by accident

Suppose you’re minding your own business by your hotel’s swimming pool, when you bump into someone, causing them to slip and break their arm. Without travel insurance, you could be held liable to pay damages including their hospital fees. With travel insurance, your personal liability cover will pay for their medical expenses.

Your business’ future is in jeopardy after you fall ill

Picture the scene: You’re representing the company on some urgent business abroad, and suddenly you fall terribly ill. The company’s future is at stake! Fortunately, your travel insurance company can save the day by paying for an early return home for you, with a business associate taking your place. They’ll pay the travel and accommodation expenses, to boot.

Sure, I understand that the majority of people have a wonderful time on their holidays and don’t encounter any of these problems – I mean they’re not the kind of thing that happens to you everyday. But they do happen – I’ve seen the claims to prove it! And those are just the stories from the people who have bought global travel insurance: I can’t prove it, but I suspect the number of people who wish they had bought travel insurance for the peace of mind it offers must be a significant figure.

09/28/2020

5 Quickest ways to lower your Life Insurance Premium

Worried about the spiraling life insurance premium? We have enlisted 5 quickest ways to lower your life insurance premium. Well, keep these points in mind but do tread with caution and act prudently.

Shop around and Bargain –
Shop, Compare and Bargain! Well, the oldest principle, old as dirt, but still going strong. Once decided on your coverage, don’t just sign up for the first plan that crosses your eye. Ensure that you shop around (internet is a great place to start) and get a feel of the market. This would help you to bargain hard and get the greatest coverage at the lowest possible price.

Opt for Term Life Insurance –
The quickest way to lower your life insurance premium is to opt for Term Life Insurance policy instead of a whole-life policy. The idea is to keep insurance as what it is and not turn it into an investment product. Thus, you can get yourself insured under term life policy at the fraction of the cost of a whole-life scheme with typically the same coverage amount. However, do not forget that Term Life Insurance covers you only for a pre-defined period of time.

Keep yourself Fit –
Be a low risk proposition for your insurance provider by maintaining a healthy lifestyle and keeping yourself away from addictions such as smoking, drugs and alcohol. A good health record will result in considerable reduction in your life insurance premiums.

Consult an Insurance Advisor –
To reduce your life insurance premium, the easiest thing you can do is to consult a good Insurance Advisor. Since the advisor will be pro in the insurance marketplace, he/she would be able to get you to the most affordable deal in line with your coverage requirements. Essentially a good insurance advisor would compare different market rates for you and would also negotiate the best rates on your behalf. Well, internet is a great place to identify an agent.

Start at a young age! –
Insure yourself at a young age. Life insurance premium at a young age is only a fraction of what it could be when you are well into your middle-age. The premise is young and healthy people are the lowest risk segment. The low mortality risk is a great incentive for insurance companies to insure you at lower premiums.