There are 2 kinds of #carinsurance Buyers. Which kind are You?

Do you know that there are actually 2 types of Car Insurance Buyers; they are

1) Those who get a quote from just one company and might end up paying way more than they need to,  

or

2) Savvy ones who pay rates considerably below the norm 

If you have been casually following the news about the car insurance industry over the past few years, you could be forgiven for believing that rates have skyrocketed and continue to climb. The real story is that, as a result of relentless consumer and regulatory pressure on insurance companies and claim matters, car insurance rates in many cases have actually dropped.(See my earlier blog posting at 

http://esendsure.blogspot.sg/2014/03/motor-insurance-premium-collected-last.html) 

Of course, don’t expect your insurance company to let you know you could be getting coverage for less. Of all the monthly expenses that can be reduced with some time and effort, car insurance tops the list.  But, of course your time itself is worth money. Most of the time, many car owners do not take the time to research if they could be getting a better deal.  It is a trade-off between perhaps paying more and spending hours of your time getting quotes from multiple insurers.

However, the possibility is, when it comes to car insurance, the savings to be had by doing a little comparison shopping can be huge – often hundreds, if not thousands of dollars!  

More importantly, there are now many insurance brokers or individual insurance representatives make it remarkably quick and easy to get multiple competitive quotes, so that you can easily find the lowest quote.

Most people are amazed by the huge differences between the quotes and their current rate after they have tried the free service.

Bottom line: It is simple to find significant savings fast, and contrary to what many people believe – it is easy and cost-free to change insurance carriers anytime. Consumers are never locked into a policy for any period of time.

So, if you are interested but still not sure how this works or you simply want to get started to get more competitive quotes, send me an email to esendsure@gmail.com to find out more!

Stay Calm and Enjoy It #Liverpool #LFC #Suarez

Liverpool defeated Tottenham Hotspurs 4-0 during their English Premier League match at Anfield in Liverpool, northern England on March 30, 2014, to climb to the top of the Premier League for the first time since December 2013. This win fuelled the growing conviction inside Anfield that Liverpool can win a first English league title in 24 years. What a long wait it has been!

Luis Suarez scored the 2nd goal (his 29th goal this season) with a left-foot shot across the Spurs goalkeeper Hugo Lloris and into the bottom corner, making him Liverpool's highest scorer in a single Premier League season, surpassing the record of my all-time favorite Liverpool player, Robbie Fowler.

Now, both players are my all-time favorite players and both are powerful with their left foot and I am left-footed too but I have never use it in a match for a long time already. I only play kid soccer with my 8-year-old boy and some kids once in while. Ha ha!

With 6 matches to go including another 2 very tough home games again Manchester City and Chelsea, Liverpool will have to stay as calm as they can be and focus on each game at a time. If they keep on playing as a team and with its great bunch of individual who can turn on the magic and finish off the game, I believe Liverpool will still be at top of the table at the end of the season and we shall celebrate!

This dream is coming true!

YOU WILL NEVER WALK ALONE (#YWNA)

#Car Part 1 Aren't you worth much more than your car? >>> Part 2 Chun bo???

Part 1

Mr Speedy: How much is the car insurance premium for my Mazda 6?

Insurance Agent: $1,000 for this year.

Mr Speedy: Very good! This year's premium is cheaper than last year by $150.

Insurance Agent: Yes, because your No Claim Discount (NCD) has increased to 50%.

Mr Speedy: Ok! I will pay the full amount by credit card.

Insurance Agent: Thanks, Mr Speedy! By the way, do you have personal accident insurance coverage of $1,000,000 for yourself?

Mr Speedy: No!! Why should I have so much coverage? $1,000 annual premium some more? So expensive!!

Insurance Agent: But aren't you worth much more than your car?

Part 2

Mr Speedy: (Must think of a rejection line)....Oh! Actually, I love my car twice as much as myself. Ha ha!

Insurance Agent: I see..... (Thinking hard)
Insurance Agent: So that means you will pay $500 on yourself since you mentioned that insuring your car for $1,000 is cheap.
(Feeling excited) Ok! A personal accident plan with Accidental Death & Permanent Disablement benefits of $500,000 plus Medical Expenses benefits of $5,000 at an annual premium of $490 before GST, should work for you right, Mr Speedy?

Mr Speedy: Are you saying, I need to pay $490 a year to cover myself for $500,000 in accidental benefits? Hmm, I think it is still too expensive. (So easy to get me meh)

Insurance Agent: So Mr Speedy, how much should the premium be then it is reasonable for you?

Mr Speedy: I think I can set aside $1 everyday drinking 1 less cup of Kopi-O, since it has increased in price and my wife has also been nagging me to cut down on my coffee consumption. (Ha ha! Now, see how you can provide me with $500,000 coverage with just $300 yearly premium)

Insurance Agent: So that works out to be approximately $300 yearly.

Mr Speedy: Yes, you can say that.

Insurance Agent: Ok! I am proposing to you another personal accident plan with Accidental Death benefit of $500,000, Permanent Disablement benefits of $200,000 plus Medical Expenses benefits of $3,000 at an annual premium of only $299 before GST.

Mr Speedy: (Shocked!) Chun bo???


Do you think it is possible that this Insurance Agent can really come out with such a personal accident plan for Mr Speedy in Singapore?

Look forward to your polling comment.

I LOVE #Singapore Football: Perak vs. #LionsXII live telecast on 25 Mar cancelled. Check out the video highlights of the match here

The Football Association of Singapore (FAS) announced the cancellation of the live telecast of the Malaysian Super League match between the LionsXII and Perak on Tuesday night.

FAS have stated that it is due to 'technical and logistical issues faced by the host broadcaster'. Malaysian cable network Astro is the host broadcaster of the Malaysian Super League and has provided local telco Starhub the broadcast feed in the past.

I was disappointed that I cannot watch this match live from my comfortable sofa and extremely angry with the broadcaster. Imagine if it is an English Premier League or World Cup match and the whole world cannot watch it because of 'technical and logistical issues'. You think this kind of issue will happen to these competitions? I doubt so. So why it happen in Malaysian Super League. Professional league right? Super for super jialat huh?

Anyway, still need to thank one of the media who took a video, edited the highlights and shared on YouTube then we can get to see how Safuwan Baharudin scored that superbly executed header in stoppage time to give our LionsXII this away win.
Final Score: Perak 0 LionsXII 1

Cheers!
Let's go for the League Champion!

Hello, I have just dented your #car...

Have you met someone who has accidentally dented your car at the carpark and leave a note on your windscreen to apologize and want to pay for your repair?
Or have you met someone similar to the one in the picture above? Wrote the note because someone was watching but did not really intent to pay for the damage at all?

Frankly, I never receive any note or met anyone before. I only met my car with a 'halfway dropping' bumper but I do not know who did it until today. There were many big dents, long scratches here and there all over my car body and the paint has all fallen off but I have no f#%king idea who did it?

So do you think there is really a kind soul who will really leave a note 'meh'?
Or have you hit someone's car and leave a apology note on the windscreen with your contact number, prepared to pay for the repair cost of the damage?

Share your story if you are that kind soul.
Share your story if you have met a kind soul before.
Share your story if you have received a similar as the above picture.

Write in the comments box or email to me esendsure@gmail.com

#Suarez bags a hat-trick! Simply amazing! #LFC

Luis Suarez blasted a hat-trick as Liverpool grabbed a remarkable 6-3 victory over Cardiff on Saturday, 22 March 2014. Suarez was the key to Liverpool's blistering performance and the Uruguay striker now has 28 league goals this season.

An audacious back heel from Sturridge picked out Suarez who ran into space and did the rest from eight yards. Brilliant goal and it is definitely my favorite goal of the game.

Luis Suarez is really a class-act and his partnership with Daniel Sturridge is one of the most lethal strike force in the English Premier League today, and if they carry on to produce the goals, Liverpool has realistic chance to win the league again after so many years.

You Win Never Walk Alone again...

I LOVE #Singapore Football: #LionsXII win PKNS 2-1 with quality comeback efforts, 22 March 2104

A brilliantly curled free-kick from 25 yards out by Zulfahmi Arifin and a left-footed strike from Faris Ramli allowed LionsXII to come back from a goal down to defeat PKNS by 2-1 at the Jalan Besar Stadium on Saturday night. The win also ended LionsXII's two-game losing streak in the Malaysia Super League.

Although the defence still looks very shaky but I am heartened by the flowing soccer that was displayed. The match was won due to a good passing move from several players and a strike that is shot with the single-minded aim to be on target. The comeback effort is definitely to be applauded and we must carry on to be behind our team so that they can continue to produce this type of quality play week in week out.

Go Lions go!

Let's win the Malaysia Super League again!

#Motor-insurance avg. premium collected last year was $1,250, down from $1,280 in 2012

The average motor-insurance premium collected last year was $1,250, down from $1,280 in 2012. Furthermore, insurers made their smallest payout in motor-insurance claims in 5 years last year. They paid $712.4 million in claims, $29.7 million less than the $742.1 million the previous year.

Reason? Measures to tackle inflated or fraudulent claims, such as its Motor Claims Framework, are taking effect.

Implemented in 2008, the scheme requires motorists to inform insurers of accidents within 24 hours and makes it mandatory for insurers to conduct pre-repair inspections.

Mr Derek Teo, executive director of GIA, said: "It's now more embraced by motorists. In the beginning, motorists were not so used to it so not many adhered to it."

He added: "Timely reporting gives insurers a better chance to investigate."

Inspections by third-party insurers before the repair works start also cut down the chances of cheating and inflated claims.

So what does this mean to us?
I hope our car insurance premium will fall much more year on year.
However, I also believe that it is our responsibility as an individual driver, to drive defensively and safely to reduce the possibility of an accident on the road. As such, then insurers will have less claims and they should be able to pass on the some of their profit margin to us such that all motor-insurance premium will be lowered.

In summary, if we hope our car insurance premium can drop to a lower level that deem more affordable and reasonable to all of us, we also should do our part by

1) Report any accident timely, but touch wood, hopefully no need to report forever will be best.

2) Drive defensively and safely to reduce the risk and possiblity of accident on the road.

Happy driving!

I am inspired to write about my views by the report in MyPaper. Check that news out:
http://mypaper.sg/top-stories/war-motor-claims-bears-fruit-20140319

#MH370 Speculations on the internet closing in? 'Stalked SIA flight to the north through India airspace' ; '3 airports in India are in the flight simulator software'???

'Stalked SIA flight to the north through India airspace' 

According to The Malaysian Insider, a Reddit social network contributor named "Sweeperguy" and hobbyist pilot Keith Ledgerwood suggested the theory that lost Malaysia Airlines Boeing 777-200ER had shadowed the Barcelona-bound SQ68 for most of the seven hours it remained in the air.

Sweeperguy said if MH370 had followed SQ68 along a north-west path over India, which he speculated, the missing passenger jet would be near the SIA jetliner over Pakistan five hours from its last known position at 2.15am.

"So, by closely following SQ68 at a similar altitude and speed, it's likely that any Indian radar operator would not notice or question two closely placed primary radar returns as long as he had the expected squawk from SQ68," he added.

In his Tumblr post, Ledgerwood came to the same conclusion that flight MH370 had flown to all the navigational waypoints disclosed by the Malaysian authorities until it was near the vicinity of SQ68 at about 2.15am.

He said it became apparent that when inspecting SQ68’s flight path history that MH370 had positioned itself directly behind the SIA plane "at approximately 18:00UTC and over the next 15 minutes had been following SIA68".

"It is my belief that MH370 likely flew in the shadow of SIA68 through India and Afghanistan airspace. 

"As MH370 was flying 'dark' without transponder / ADS-B output, SIA68 would have had no knowledge that MH370 was anywhere around and as it entered Indian airspace, it would have shown up as one single blip on the radar with only the transponder information of SIA68 lighting up ATC and military radar screens," Ledgerwood wrote in a post that has gone viral.

Click the link below for the full report.

http://www.themalaysianinsider.com/malaysia/article/could-missing-mh370-have-stalked-sia-flight-to-the-north-possible-say-netiz

'3 airports in India are in the flight simulator software'

Another Yahoo News posted The Malaysian Insider report, that investigations into the flight simulator taken from the missing pilot's home showed a software for five practice runways, including one belonging to the United States, Berita Harian reported today.

"Among the software we checked so far is the Male International Airport in Maldives, three airports in India and Sri Lanka, and one belonging to the US military base in Diego Garcia. All have a runway length of 1,000 metres," a source told the Malay daily.

Click the link below for this piece of news.

http://sg.news.yahoo.com/us-military-south-asian-airports-mh370-pilot-simulator-020501547.html

Are all these speculations really piecing the puzzles up and are we closing in nearer to the missing plane?

Why did someone want to go through so much hassle to detour the flight towards this direction that is being speculated wildly online?

If there is a motive, let's hope it will keep the passengers and crew alive for negotiation towards a win-win outcome. I am hopeful.

Let's carry on to pray for #MH370

#Suarez is my NEW Robbie Fowler! #LFC

Luis Suarez scored the 3rd goal to seal today's away match against Manchester United. The match ended Manchester United 0 Liverpool 3. The first 2 goals were both scored by Steven Gerard from the penalty spot.

Liverpool has definitely made the correct and worthwhile effort to keep Luis Suarez after the 'Bite' incident in 2013. He is definitely a World-Class striker and he is going to be another Liverpool legend in the likes of Robbie Fowler (my all-time favorite player), Ian Rush and John Aldridge. However, I felt Suarez is much stronger physically and he is insanely passionate about the game. His passion has overflown so much so that he bit and abused in attempt to win a game, although it is morally wrong in this world and we should only learn from his mistakes.

Like any other individuals, no matter a successful sportsman or businessman or actors, when he is passionate about his career, he shown it with his outward attitude and his every efforts that he made, is single-mindedly towards 1 goal, that is to be spot on his goals for SUCCESS.

His energetic performances and achievements never fail to inspire me. I am constantly learning and striving to embrace this passionate attitude and turn it into realistic actions and hopefully consistently successful results.

Kudos to Suarez!

Another video below is about Robbie Fowler and do check out the similarities of the 2 of my favorite players of all times. Both have instinctive visions and strike power to score amazing goals as they not only use their eyes and legs but their hearts to play the game. Enjoy!