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Statistics |
| Unique Visitors: 8 |
| Total Unique Visitors: 116685 |
| Visitors Out: 271 |
| Total Visitors Out: 271 |
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| Amazing PTC site - FoxCash |
| 2008-05-16 21:15:00 |
I don't think I should hide this from anyone. Most surfers who frequent PTC sites should know of this site called FoxCash. I guess i'm a bit late cos they already have 36000 over memberships till date since the launch months back only. That's quite a feat if you ask me.
So, what's the pull? Most PTC sites pay $0.01 per click but for this FoxCash, it is paying $0.015 per click! The minimum
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| New Motor Claims Framework - Rationale and clarification |
| 2008-05-16 07:40:00 |
The new MCF has raised a lot of questions among all insurers. Though there was discussion among the GIA committees since months back, but a lot of grey areas and doubts still lingered on the minds of insurers from what I heard.
However rough and tough the road ahead for implementing this measure, it seems to be one of the last straw for Monetary Authority of Singaore (MAS) and General Insurance
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| New Motor Claims Framework |
| 2008-05-12 05:13:00 |
If you have not heard of the new Motor Claims Framework (MCF) initiated by General Insurance Association of Singapore, I would advise you to lend me your ear for a while. This is because the new MCF will require some changes in accident reporting for all motorist.
This new ruling will commence with effect from 1st June 2008.
What are the requirements? Well, this new ruling requires all
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| Only 5 car exhibitors for premier motor event, less than half that in 2006 |
| 2008-05-07 08:51:00 |
Have you been there before? I like the stunt show and seeing all those high value models like Ferrari and Lamborghini displayed elegantly. However, this year, the absence of these exquisite marques will be greatly missed. Argh!
TWO years after major European brands pulled out of the Singapore Motorshow, the event is set to shrink further.
Only five car brands - Honda, Subaru, Nissan, Alfa
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| 1st May update - Labour day |
| 2008-04-30 22:30:00 |
Today is a holiday for me and many others. A day for me to relax and do some posting, surf paid-to-click sites and visit my favourite TS25 traffic exchange!
I've reached the 3rd month of blogging. Looking back, though I did not manage to earn hundreds yet, not to mention thousands, but I am still enjoying this road of discovery of many things that is new to me.
Till date, these are the sites I
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| What will happen to my insurance if I drink drive? |
| 2008-04-24 17:57:00 |
As you can see from previous post, drink driving is an extremely bad risk. Allow me to use the word, "Terrible".
It goes to show the immaturity and irresponsibility of the driver. Insurers generally dislike writing such risk due to the high bodily injury claims if an accident is involved which can easily escalate to a S$100k loss. And accordingly to the Motor Act, Insurer has to settle any
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| Some things to be happy about! |
| 2008-04-20 08:05:00 |
Yeah, it is the end of the week and looking back, I realised that there are some things to be happy about and i'm just gonna share it here so that you can also share my joy. If you like, you can leave some notes here or sign up these free programs to experience it as well. :)
1. I have 2 new sign up under my Free Money Team. This is incredible to me though I have yet to reap the reward.
2. I
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| Road accident injury claims rising, questions raised |
| 2008-04-17 18:13:00 |
Claims are sometimes larger than those for repairs, and they are driving premiums up Motor insurers, which have been battling the scourge of inflated repair bills for years, are now facing a new monster: injury claims arising from road accidents, and not all of them appear to be genuine. Industry players said the claims, which are sometimes many times larger than those for vehicle repairs, are costing insurers an arm and a leg in payouts and driving premiums up for motorists. One leading insurer said it received on average 300 injury claims a month last year - more than double the 140 a month it received in 2006. Another top motor insurer, Axa Insurance, said its volume this year has already exceeded last year's by up to 20 per cent, with whiplash, cuts and abrasions forming the bulk of cl...
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| Too old to drive on the road? |
| 2008-04-16 04:53:00 |
Deaths, injuries involving elderly drivers have tripled, but insurers don't see them as unsafe.More elderly drivers here and in other places such as Japan have been killed or injured on the roads in recent years. In Japan last month, the rising numbers led to the police urging such people - the so-called 'grey drivers' - to give up their licences. But what makes for a safe driver depends on several factors, and age is only one of them. Indeed, police spokesman Danny Tan told The Sunday Times that there is 'no specific concern' that old drivers are more at risk on the road. Statistics from the Singapore police show a tripling, over the four years since 2003, in the number of drivers aged 65 and above killed or injured in road accidents. In 2003, the death and injury toll was 24. But this sh...
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| The consequence of drink driving |
| 2008-04-13 03:31:00 |
If you are caught drink driving by the Traffic Police, the penalties are as listed below. Legal Implications First Time – Fined between $1000/- and $5000/- or six months imprisonment.Second Time – Fined between $3000/- and $10,000/- fine and imprisonment for a term of up to one year.Repeated Time – Face enhanced punishment up to 3 times the penalty, a maximum of $30,000/- fine and three years' imprisonment. Offenders causing death or serious injuries can also be caned up to 6 strokes.All those convicted will be disqualified from driving for at least 1 year, even if they have not caused any traffic accidents.Personal ImplicationsOther than having your license revoked and charged by the authority, you might also face s...
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| Drink Driving Related Accidents decreased but number of persons caught drink driving increased |
| 2008-04-10 22:32:00 |
Accordingly to Singapore Traffic Polic record, the number of drink driving-related accidents fell from 288 in 2006 to 188 in 2007, a decrease of 100 cases. The number of persons killed in drink driving-related accidents also decreased from 25 to 15. Similarly, the number of persons injured in such accidents decreased from 336 to 263 in 2007. Of these, 7 suffered serious injuries. Appended in Tables below are the number of drink driving accident cases and persons killed/injured for 2007 and 2006 respectively.The alarming thing is although there is a decrease in drink driving related accidents, but the number of persons...
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| Another great PTC site - Bux! |
| 2008-04-08 07:18:00 |
This is another great Paid-to-click (PTC) site that you will regret if you give it a miss! Why?? Look, there are over 10+ ads to click / day consistently and if you do so faithfully, it will be a good $5 bucks/month. If you think the amount is too small for you, think again. This is only 1 of the paid to click sites. If you have 6 such sites, it will mean $30/month. Now, how about if you have built a steady stream of downline?? The results will be in folds then. But before you dream too much, let's begin the first step by signing up here
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| Did I drink drive? |
| 2008-04-05 10:38:00 |
Drink driving is an increasing concern, not just for the Traffic Police (TP) and Land Transport Authority (LTA), but also for the insurers.But, what is drink driving really? If i drink, am i considered drink driving then?1. Legal limitYou are considered drink driving if you have more than the legal limit of 35 microgrammes of alcohol per 100 millilitres of breath (the blood-alcohol equivalent is more than 80 milligrammes of alcohol per 100 millilitres of blood). 2. Traffic Police judgementHowever, you can still be arrested for drink driving should the traffic police think you do not have sufficient control of your vehicle. For example, a driver who is seen driving in a zig-zag manner may have a breath sample registering an alcohol level within the legal lim...
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| 1st April update - Not April Fool! |
| 2008-04-01 18:17:00 |
So far, I am still enjoying the trill of blogging. There's been some delay in posting due to work. Its tough as i've just came back from reservist and during this transition, i have a new job offer! The money is there, so is the uncertainty and discomfort of coming out of my comfort zone. . . gosh!Anyway, that aside, 1.5 months has passed since i first started posting and these are some of the "milestones" achieved:1. Stats count: 1250 visitors2. Adsense: $5.303. AdToll: $1.224. Hits4Pay: $10.605. IsbaelMarco: $1.26 (I have not clicked as much as i can.)6. Clicksense: $0.837. e-mailpaysu: $10.345Well, I have not really made any money online yet. I'll probably need to build on the content (more regular posting) and downline for the exchanges and PTC sites. Nevertheless, I'm glad to have achieve stats count of 1250 visitors and hope more visitors will leave their precious comments here.
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| Car insurers try new tack |
| 2008-03-28 23:43:00 |
A COMMON lament among motor insurers is that underwriting vehicle risk is by its perverse nature a losing proposition. Padded repair bills, damage fraud, theft, third-party claims and the growing trend of young drivers getting into nasty accidents contribute to high payouts. Moreover, competition among the 30-odd motor insurers has held premiums down. The facts though do not support fully the assertion. Taking the past 5 years - a period when car ownership rose rapidly - as a guide, profits were recorded in 2004 and 2005. In 2006, a loss-incurring year for the industry overall, two of the three largest motor insurers - AIG and NTUC Income - were profitable, proving that motor underwriting is generally not meant for small outfits with limited portfolios and poor histories in settling claims...
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| Is low premium really good? |
| 2008-03-24 07:11:00 |
If you run a search on google, you will find plenty of articles providing tips on how you can save on motor insurance premium. But wait, is that really savings? For some instance, it may indeed be savings but only in the short run. In other instance, it could be a possiblity that the information provided are not consistent. This is very common when your agents do not have your complete information. You have to understand, at times, even a year more of driving experience explains for the difference.If the infomation provided are accurate, then there could be more restrictions and conditions imposed on your policy. Why? It's very simple; Insurers are not charity organisations. If insurer A charges $500 premium and insurer B charges $1000 premium, it only makes sense for Insurer A to probably...
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| What You Need to Know About Excess (Underwriting) - Part 4 |
| 2008-03-22 04:26:00 |
By now, you would have acquired a good basic understanding of excess. But, do you know that other than Eldery Young & Inexperienced Driver (EYIDR), you might also experience a higher excess loaded by the insurer? I have listed a few examples below for your reference.1. Endorsed driving licenseIt could be due to speed driving, hit and run, drink driving etc. Well, if you have your driving license revoked / suspended recently, it will affect your insurance premium and excess. The insurer will usually look at the duration of revoke, when it was revoked, alochol level, frequency, accident details, occupation etc to underwrite your proposal. If they do take in your case, you should expect a certain loading on your premium and excess accordingly. 2. High claim experienceIn Singapore, you are req...
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| Isabelmarco's moneymaker |
| 2008-03-20 11:04:00 |
This is another paid-to-click site that has 20 over ads per day. I tried clicking it all and managed to register a $0.25 earning. Assuming that this is repeated for 365 days, the total earning will be $91.25. This is not considering if you have any other downline! Isn't this amazing?Do not wait further. Sign up now!
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| Make Quick Money Online Easily for FREE! |
| 2008-03-19 08:02:00 |
Recently, i came across a website called "Free Money Team" which has a well compiled list of paid-to-click and traffic exchange sites. I'm not sure whether you have seen it before but it's quite popular nowadays. The good thing about it is since it's all listed down in a single page, which makes it easy for you to sign up. There is also short recommendation or review on each paid-to-click sites. Furthermore, once you sign up, you can use it as a tool to refer to your friends and many others to sign under your downline. After all, down line is crucial in all paid-to-click sites.So, do not wait further. Do visit http://www.freemoneyteam.com/p.cgi/8262/
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| Get Paid Every Time Your Website Is Seen |
| 2008-03-15 21:15:00 |
I want to show you how to get a 100% conversion rate on your website traffic.This is not a sales pitch and there is nothing to buy. There is no squeeze page that is designed to sell you anything later either.This is an event that you should know about...First there was Pay Per Click advertising which pays you on the small percentage of website visitors that actually click on an advertisement.Now there is "Pay Per Play" advertising that will pay you on 100% of your website traffic... NO CLICKS NECESSARY!Pay Per Play caters to an audience that is larger than radio, television and print media combined!Billions of dollars are being spent by big brand advertisers and they are ready to pay you. Will you claim your share of the pie?Or will you let someone else have it?To learn more about Pay Per Play visit:http://www.sellingppp.com/a.cgi?ppp=1210372038
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| What You Need to Know About Excess (Premium) - Part 3 |
| 2008-03-15 10:52:00 |
Let us move on to see how excess is related to premium.Let's assume that you have a normal saloon car (Toyota Vios) and based on your profile, your motor policy premium is at $1000 with standard excess of $500. As mentioned earlier, if you happen to have a minor accident with cost of repairs < $500, it is pointless to claim against your policy for the repairs. As such, insurer actually protect themselves from small claims by setting a standard excess on the policy. Thus, the higher the standard excess, it also means a lower risk for the insurer. In that earlier example, if the standard excess is at $1500 instead of $500, the premium should be lower than $1000, say $950. Likewise, if the standard excess is set at $0, the premium will be higher than $1000 since it means a higher risk for the...
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| 7 Things to Know Before Filing Any Car Insurance Claim |
| 2008-03-14 07:47:00 |
The aim of motor insurances is to cover all car costs that happen from any undesirable events, which is an accident. You pay up the rates, nevertheless once your car is damaged, you are afraid of the higher insurance premiums because of the filed claim.This is oftentimes related to the motor insurance policies, specially the exceptional conditions that are enclosed inside. Thus financial consequences commonly are applied in claiming it which could be surprising.The followings are 7 things that you should acknowledge before you file any car insurance claims.1. Car Insurance Policy RenewalNormally, insurance firms publish policies which can be renewed frequently. Yet, the company can choose not to renew the policy ...
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| What You Need to Know About Excess (Advanced) - Part 2 |
| 2008-03-12 06:55:00 |
I'm going to talk a little bit more on excess that you'd need to pay in the event of an accident first before we move on to see how it relates to your premium.After all, a lot of us might not be aware of the possibly additional excess imposed by the insurer on the policy which is usually reflected somewhere clearly in the terms & conditions. I have listed down a few common ones for your reference.1. Unnamed driver compulsory excessSome insurers impose an additional excess in the event that the driver of the accident is not named under the policy. The rationale is very simple; if the driver is not named, the risk uncertainty is higher and the premium collected might not be sufficient in the first place. 2. Elderly, Young and Inexperienced Driver (EYIDR)It is not uncommon for insurers to cha...
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| What You Need to Know About Excess (Basic) - Part 1 |
| 2008-03-10 09:30:00 |
Are you a first time car owner? Do you know what you need to pay in the event of an accident? If you are a first time proud owner of a car, you will probably have seen the certificate of insurance from your insurer already. You might not have noticed in the certificate or might not even be aware of this term that appeared as Excess. Some people like to call it "Deductible" instead. So, what is it?I'll like to define it as the minimum amount that you have to pay before the insurer proceed to settle your claim. Another definition is also available at thefreedictionary. Let me give an illustration. For example, right under your certificate, the standard excess is stated as $500.00. Thus, in the event that you met a minor accident and need to submit your damaged vehicle for repair and assumin...
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| Another free tool to complement Adsense |
| 2008-03-10 05:29:00 |
I have applied adtoll on my blog recently if you have noticed. One thing i like about the ads is the peel off look. If you do not know what i'm referring to, check on the top right by moving your mouse over. Isn't that interesting?Recently, they introduced a new ad format called PicText Ad. I have just employed this and excited to see the effect soon.If you like to find out more about AdToll, please click on the video below.
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| Get paid for your post! |
| 2008-03-09 04:11:00 |
Recently, i've just joined myLot which is a forum that promotes numerous topic of interests. The amazing thing about this forum is you can join in existing discussion or create new discussion and get paid for your post! Well, do not expect a high payout for every post you make but if you are someone who likes to participate in forum, it doesn't hurt much to join this FREE forum. In fact, you will gain some monetary rewards in the long run, depending on your level of participation in it. The minimum payout is set at $10 only and can be paid via paypal.So, wait no futher and have fun in it! http://www.mylot.com/?ref=boazstuff
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| Car Accident Settlement - Get the Most Out of Process |
| 2008-03-07 18:37:00 |
Getting a fair car accident settlement can be difficult. Insurance companies are savvy, and their adjusters are trained to negotiate and settle with you for the lowest amount possible. Insurance companies leverage the vehicle damages (and the total loss process) against you. For example, they will try to settle with you as soon as they talk to you. They will tell you that they will fix the car and "take care" of you if you settle for any/and all claims. They will offer you anywhere from $50 to $500. They will try to "cut of" the rental car as soon as they can so you are put in a weaker position and you settle faster. These techniques are unfair, but yet they are legal.The problem with accepting an early settlement is that you can potentially lose all y...
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| What you need to know about No claim discount (Underwriting) - Part 5 |
| 2008-03-07 09:41:00 |
The NCD does not just help to reduce your premium. It also sends a strong message to the underwriter on your profile.If you are enjoying 50% NCD on your motor policy, what you are telling your insurer is that you have been driving without any claim in the last 5 years or more. This is an amazing feat and i can assure you every underwriter generally likes insured of such profile. True enough, the premium collected will be substantially lesser than someone of exact profile with 0% NCD but that's not the point. Insurance is after all about pooling of risk and if an insurer can underwrite more good risk profiles than otherwise, it also means possibly lower loss ratio which translates to higher profit margin! How about that after all?Thus, a high NCD level will help to increase your chance of h...
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| What you need to know about No claim discount (Declaration) - Part 4 |
| 2008-03-06 08:11:00 |
You probably have not noticed before on the top most portion of your motor proposal form a statement that reads: "Statement Pursuant to Section25(5) of Insurance Act, CAP.142 (Or any subsequent amendments thereof) You must disclose all facts as you know or ought to know which may affect the insurance cover being applied for. Otherwise, the insurance policy issued may not be valid"I can't emphasise more on this especially to car owners who intend to change car. I have seen enough of car owners declaring haphazardly their NCD level only to get themselves into unnecessary troubles. Look, if the insurer collects $1000 premium from you based on the declared NCD and found that the NCD should be lower or nil, it is only right and natural that they collect the difference from you. If they are unab...
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| What you need to know about No claim discount (Transfer) - Part 3 |
| 2008-03-05 07:45:00 |
Accordingly to GIA guidelines, NCD can be transferred to another vehicle you owned but it is not transferable to another person. Nevertheless, over the years, insurers have developed their own practice and do allow certain types of transfer. The most commons are transfer between spouses and transfer between parent & child. There is also possible transfer between companies, say transfer from Sole proprietor to company. All the transfers will require the relevant supporting documents to be presented prior to approval. I have listed a common list which might not apply to all scenarios. 1. NCD transfer form - There is usually a standard format provided by the insurer.2. Marriage certificate3. Birth certificate4. Grant of letter of administration or probate - For cases whereby the insured has ...
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| Get paid to read ads! |
| 2008-03-04 06:16:00 |
Having joined this program, the program has allowed me to clicks average 7 ads daily which is quite a lot compared to some others. Each click is worth $0.01. Furthermore, you can also read emails, so far around 3-5 emails received daily for myself. Each email read is worth $0.02. To sweeten the offer, there is a $10 sign-up bonus. So, why wait further? It's free anyway!http://e-mailpaysu.com/members/index.cgi?boazstuff
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| Free web submission |
| 2008-03-03 04:58:00 |
Missing traffic to your website? Do not have time to spare to get your website listed by the search engines? Well, now you can by trying this FREE service which will auto submit for you.
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| What you need to know about No claim discount (foreign) - Part 2 |
| 2008-03-02 22:53:00 |
If you have been outstation and will be posted back, you may get your overseas insurer to provide you with a NCD letter so that you can present to your local insurer and enjoy NCD in Singapore. The NCD letter usually come with the insurer's letterhead and includes: 1. Your personal details2. Last period of insurance3. Number of claims free year or NCD level4. Claim details, if anyYour insurer will recognise and award you with the NCD accordingly as long as the required details are completed and the last in-force date is not more than 1 year. E.g. Assuming today's date is 3rd March 08, the last policy expiring date should be after 3rd March 07. Some insurers may allow up to 2 years. For this, you will need to check with your respective insurer.
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| What you need to know about No claim discount (Basic) - Part 1 |
| 2008-03-02 22:25:00 |
One way to reduce your annual premium is to earn your No Claim disount.The No Claim Discount or NCD, as it's commonly known, is a discount provided by insurer as an incentive to the insured for being claims free. Thus, if you have been driving a motor vehicle and does not have any accident or claim against your policy on the last 1 year, your insurer will provide you with an additional 10% NCD on your renewal premium. In Singapore, you may earn up to 50% NCD for private vehicle and 20% NCD for commercial vehicle and motorcycle. In some other countries, the NCD can go as high as 65% or even 70%. If you are currently enjoying 50% NCD and has a at-fault claim against your policy, your NCD will reduce to 20% on renewal. Likewise, if you are enjoying 30% NCD ...
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| Get paid to read emails! |
| 2008-03-02 08:32:00 |
I just wanted to let you know about a great new Internet program called Cash Money Email! They pay you for simply reading email ads, visiting website and signing up for free offers! To make it even better they will give you $10 just to join up. Cash Money Email will even pay you when your friends and family read e-mail! I know you'd like to earn some easy extra cash! It doesn't get any easier than this. signing up for FREE and earn a quick $10!! http://cashmoneyemail.com/members/index.cgi?boazstuffJoin today and earn a FREE $10! Cash Money Email is totally free, privacy-protected and the money is real!
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| Get paid for your short opinion! |
| 2008-02-29 21:38:00 |
I have just joined and within 30 minutes, i have locked in $23! Each survey will pay from $4 and will take 5-10 mins to complete. You will need to give your short opinion on 2 websites advertisement. Don't miss this!http://www.AWSurveys.com/HomeMain.cfm?RefID=boazstuff
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| Extra money for FREE! |
| 2008-02-29 19:51:00 |
I have joined Clixsense and so far, there is alway a constant flow of ads for me to click and get paid. The minimum paid out is only $10. So, if you don't mind earning some extra dollars, try it out at http://www.clixsense.com/?2373788
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| Are women far better bets to cover in motor insurance than men? |
| 2008-02-29 12:03:00 |
Yes, it's a fact. The local leading insurers are also practicing this. Women do enjoy a lower rate in motor insurance premium than their counterpart. Normally, it should be close to 6% which can be quite a sweet saving. Are women far better bets to cover in motor insurance than men? And why?a. Ladies are naturally not inclined to drive very large or classic automobiles like men. Meanwhile, motor insurances are mostly related to the model, newness, driver's personality etc while they are being evaluated for insurance rate premiums and its insurable risks.b. Ladies are not also inclined to drive recklessly or race abnormally along the highway, since their em...
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