This document outlines an insurance program being proposed by Oegema, Nicholson & Associates Insurance Brokers Ltd. for members of the Foster Parents Society of Ontario (FPSO). The program would provide competitive auto and property insurance rates through Waterloo Insurance Company. Benefits for FPSO include no cost or administration, while benefits for members include discounts of up to 60%, convenient payment options, and superior claims service. The document reviews coverage details and discounts for auto, property, and additional insurance policies. Contact information is provided for Cathy Luciano to obtain additional details or policy quotations.
In this presentation, I talk about some crucial aspects of the Canadian auto insurance industry like Tort vs No-Fault systems of insurance, reasons for high premiums in Ontario & how coverages can vary across provinces in Canada.
2014 state unemployment insurance - How do you rate?EY
Unemployment insurance is a significant labor cost. How does your approach to managing this expense rank with other businesses?
Take our benchmark survey and get more of the facts you need at http://uifactfinder@ey.com.
It is mandatory to get car insurance in Montana for drivers to drive legally in the state. Different companies in Montana provide car insurance at different rates.
https://blog.mymoneymyquotes.com/cheap-car-insurance-in-montana/
State Farm Agent in Austin TX for life, home, car insurance and more at https://www.kirkingels.com
Find us here: https://goo.gl/maps/UB2ddTL3kAjXLWin6
Services:
Austin State Farm Agent
State Farm Agent Austin TX
State Farm Austin TX
State Farm can take care of all your insurance needs. They offer most types of insurance coverage. All the usual suspects of auto, home, life, renter's, and supplemental medical Insurance are available through State Farm. Other insurance offerings include condo, long-term care, and Medicare supplement. The State Farm web site kirkingels.com is very user-friendly and easy to use. Using the web site, consumers can obtain a quote on any policy named above, or find an agent, both within minutes. Answering a few quick questions will lead you to a free online quote, and a search feature makes finding State Farm Agent in Austin TX simple work.
Contact Us: Kirk Ingles
3701 Bee Caves Rd STE 201, Austin, TX 78746, USA
Phone: (512) 270-6327
Fax: (512) 870-9370
Follow us on:
https://www.pinterest.com/StateFarmAustinTX/
https://www.instagram.com/statefarmaustintx/
http://statefarmaustintx.wordpress.com/
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In this presentation, I talk about some crucial aspects of the Canadian auto insurance industry like Tort vs No-Fault systems of insurance, reasons for high premiums in Ontario & how coverages can vary across provinces in Canada.
2014 state unemployment insurance - How do you rate?EY
Unemployment insurance is a significant labor cost. How does your approach to managing this expense rank with other businesses?
Take our benchmark survey and get more of the facts you need at http://uifactfinder@ey.com.
It is mandatory to get car insurance in Montana for drivers to drive legally in the state. Different companies in Montana provide car insurance at different rates.
https://blog.mymoneymyquotes.com/cheap-car-insurance-in-montana/
State Farm Agent in Austin TX for life, home, car insurance and more at https://www.kirkingels.com
Find us here: https://goo.gl/maps/UB2ddTL3kAjXLWin6
Services:
Austin State Farm Agent
State Farm Agent Austin TX
State Farm Austin TX
State Farm can take care of all your insurance needs. They offer most types of insurance coverage. All the usual suspects of auto, home, life, renter's, and supplemental medical Insurance are available through State Farm. Other insurance offerings include condo, long-term care, and Medicare supplement. The State Farm web site kirkingels.com is very user-friendly and easy to use. Using the web site, consumers can obtain a quote on any policy named above, or find an agent, both within minutes. Answering a few quick questions will lead you to a free online quote, and a search feature makes finding State Farm Agent in Austin TX simple work.
Contact Us: Kirk Ingles
3701 Bee Caves Rd STE 201, Austin, TX 78746, USA
Phone: (512) 270-6327
Fax: (512) 870-9370
Follow us on:
https://www.pinterest.com/StateFarmAustinTX/
https://www.instagram.com/statefarmaustintx/
http://statefarmaustintx.wordpress.com/
https://statefarmaustintx.tumblr.com/
https://en.gravatar.com/statefarmaustintx
Motorcycle accidents in L.A. are not uncommon. Motorists can be badly injured because of the lesser protection than if driving a vehicle. If your injuries were caused by the negligence of another traffic participant you can claim compensations. Find out how from our L.A. personal injury attorneys at: http://www.lapersonalinjuryattorney.net/.
https://www.dlgtriallaw.com/practice-areas/personal-injury/motorcycle-accident/
For many people, nothing compares to the feeling of riding on a motorcycle. However, motorcycles are involved in an alarming number of accidents every year, many of them very serious and even deadly.
Call today to speak with a Houston motorcycle accident lawyer at The de la Garza Law Group
The de la Garza Law Group
1616 S Voss Rd Suite 870
Houston, TX 77057
(713) 784-1010
https://www.dlgtriallaw.com
VA loans are amazing! If you are a veteran or in the service, you may be eligible to buy a home with 0 down. If you own a home and want to refinance you can cash out up to 100% of your home's value without mortgage insurance. If you are a surviving spouse of a veteran, you may also be able to take advantage of these benefits. Call me with any questions and help!
King Aminpour Law Firm has an experienced motorcycle accident attorneys can assist you in all aspects of your motorcycle injuries. From minor rear-end accidents, to major traumatic injuries, catastrophic collisions, and brain injury. . Get more information, visit us https://www.motorcycleaccidentlawyersd.com/practice-area/motorcycle-accident-lawyers/
Motorcycle accidents in L.A. are not uncommon. Motorists can be badly injured because of the lesser protection than if driving a vehicle. If your injuries were caused by the negligence of another traffic participant you can claim compensations. Find out how from our L.A. personal injury attorneys at: http://www.lapersonalinjuryattorney.net/.
https://www.dlgtriallaw.com/practice-areas/personal-injury/motorcycle-accident/
For many people, nothing compares to the feeling of riding on a motorcycle. However, motorcycles are involved in an alarming number of accidents every year, many of them very serious and even deadly.
Call today to speak with a Houston motorcycle accident lawyer at The de la Garza Law Group
The de la Garza Law Group
1616 S Voss Rd Suite 870
Houston, TX 77057
(713) 784-1010
https://www.dlgtriallaw.com
VA loans are amazing! If you are a veteran or in the service, you may be eligible to buy a home with 0 down. If you own a home and want to refinance you can cash out up to 100% of your home's value without mortgage insurance. If you are a surviving spouse of a veteran, you may also be able to take advantage of these benefits. Call me with any questions and help!
King Aminpour Law Firm has an experienced motorcycle accident attorneys can assist you in all aspects of your motorcycle injuries. From minor rear-end accidents, to major traumatic injuries, catastrophic collisions, and brain injury. . Get more information, visit us https://www.motorcycleaccidentlawyersd.com/practice-area/motorcycle-accident-lawyers/
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
1. Group Automobile & Property
Insurance Program for
Foster Parents Society of Ontario
2. Agenda
Oegema, Nicholson & Associates Insurance Brokers Ltd.
The Foster Parents Society of Ontario
Waterloo Insurance Company
Benefits for FPSO
Benefits for FSPO Members
Program Marketing
Automobile Insurance Coverage
Property Insurance Coverage
Launch Program
Contact Information
4. Oegema, Nicholson & Associates
Established in 1961
Specialize in providing auto and property insurance for groups
and individuals, commercial insurance and financial services for
organizations and individuals across Ontario and Canada
Currently Ontario Alliance of Christian Schools Group Program
& the Diplomat Program amongst others
Staff of 47 insurance professionals available to service needs of
the FPSO
5 convenient locations across the greater Ottawa area
Recognize each group as unique and work in partnership with
the group to meet their specific needs
Firmly committed to providing each group with proactive and
personalized service to serve each auto and property insurance
needs for THE LIVES WE LEAD
5. The Foster Parents Society of Ontario
Mandate “to become the dedicated voice of foster
families across Ontario
6349 homes
Approximately 12,000 foster parents in Ontario
Trying to implement insurance and reduced rates for
foster parents
Ministry funding has been reduced to CAS, affecting
support to foster families
6. Waterloo Insurance
Waterloo Insurance Company is a member of The
Economical Insurance Group – 100% Canadian
A financially secure organization with over $4.4
Billion in assets and a surplus of over $1.26 Billion
to protect its policyholders
Waterloo Insurance has partnered with over 550
group programs across Canada
7. Benefits for the FPSO
NO COST!
NO EXTRA administration required
Waterloo Insurance handles all sales, service and claims
functions
An enhancement to your member benefits programs
FSPO assumes NO LIABILITY
8. Benefits for the FPSO Members
COMPETITIVE RATES save after-tax dollars
Additional DISCOUNTS can reduce premiums up to
60% plus your GROUP DISCOUNT
Convenient payment options with NO SERVICE
FEES:
Monthly pre-authorized payments
full annual payment
three installments
Visa, MasterCard & American Express (COLLECT THOSE
POINTS)
internet or ATM
9. Benefits to Members Continued
No INTEREST or SERVICE CHARGES – additional
3% savings
SPOUSES and DEPENDENTS living at home are
eligible
Convenient no obligation TELEPHONE and ONLINE
quotations with immediate binding of coverage option
SUPERIOR Claims Service
2010 Claims satisfaction survey Waterloo Scored 92.1%
24/7 Claims Service across North America with one toll free
number
10. Program Marketing
Communication CHANNELS with your members/
employees via member/ employees newsletters,
internet/ intranet site (web banner), emails, direct
mail, and new member/ employees kits
QUARTERLY reminder marketing to all eligible group
members/ employees
PARTICIPATION by Waterloo Insurance at member/
employees events
11. Automobile Insurance Coverage
Private passenger vehicles
Utilities vehicles
Vans and trucks
Motorcycles (Cruisers)
Snowmobiles
ATVs
Recreational vehicles including campers, trailers and motor
homes
Antique vehicles
High Valued vehicles
12. Automobile Insurance Discounts
Anti-Theft (5 – 10% )
Conviction-free (15%)
Graduating License (10%)
Mature Driver / Age (5 – 15%)
Multi-vehicle (20%)
Retiree (15%) only applies to 65+ of age and received no
employers income (only pension) for previous 6 months
Student living away from home (50 – 75%)
Multi-policy (5 – 10%)
The appropriate GROUP DISCOUNT applies to the policy premium
13. Property Insurance Coverage
Package policies are written on a SINGLE LIMIT basis to guard
against INFLATION and UNDER insurance:
HOMEOWNER’S PACKAGE – coverage for the homeowner on
building, contents, extra property limits and personal liability
TENANT’S PACKAGE – coverage for the tenant on contents, extra
property limits and personal liability
CONDOMINIUM OWNER’S PACKAGE – coverage for the
condominium unit owner on contents, extra property limits
(including improvements and betterments, contingent loss and
property loss assessments in accordance with Provincial
Condominium Acts) and personal liability
14. Additional Property Insurance Coverage
Rental and Seasonal Dwellings
New Home Construction Policies
Vacation Trailers and Campers
Watercraft, Jet crafts, and Yachts
Earthquake
Increases Liability Limits
Jewelry, Cameras, Sports Equipment, etc.
Personal Umbrella Liability
15. Property Insurance Discounts
Burglar/ Fire Alarm (5 – 10% )
Claims Free (15 – 25% )
Mature Homeowner (5 – 15% )
Mortgage Free (20% )
Multi-resident (5% )
Newer Home (1 – 35% )
Renewal (5% )
Multi-policy (10% )
The appropriate GROUP DISCOUNT applies to the
policy premium.
16. Program Policies
Quotation forms available upon request
Easily and convenient
Submit via email, fax or face to face
consultations
17. Contact Information
Cathy Luciano, C.A.I.B
5526 Manotick Main Street
P.O. Box 149
Manotick, Ontario
K4M 1A2
T. (613) 692-3403 ext. 204
F. (613) 692-0695
cluciano@ona.ca
www.ona.ca