Category Archive : Insurance

The Value of a Great Insurance Agent

For many people, finding a good insurance agent is just as cumbersome as finding good insurance: if you try to handle it yourself, you struggle in an effort to find a diamond in the rough and you end up with buyer’s remorse. But there are no agents for finding insurance agents: finding the right one is up to you. Whether you’ve recently moved, recently bought a car, or simply need someone fresh, if you’re reading this it means that you’ll have to acquire some insurance in the near future. And you need to know that you’re working with someone you can trust. check it out

So what’s someone who doesn’t have a lot of experience in buying insurance going to do? Well, there’s the typical, easy route of looking up insurance agents on Google and placing a phone call to the person who ends up at he top of the list. But Internet rankings aren’t enough to guarantee you both the best price and the best quality of coverage: if you want to find an insurance who can really help you out, ten it’s time to put a little effort into it.

But you won’t by shooting darts in the dark. In this guide, we’ll tell you all about finding insurance agents – what to look for in an in-person meeting, how to find ones with less traditional means, etc. – and you’re going to find the best quotes whether you’re looking for health insurance, car insurance, life insurance, or something else.

Of course, while you can’t do this sitting on your butt, we hope you’ll take the time to check out this buyer’s guide to insurance agents. The best way to read it is to keep a pen and paper handy so that you can write down the key points you hear and anything else that strikes you as something you’ll want to keep in mind. Keep reading and in no time you’ll be ready to find a few insurance agents that are looking to provide you with a deal – not just add to their bottom line.

The Latest On Vital Factors For Mortgage Insurance

Mortgage companies secure their sold mortgages by taking an insurance policy on them. The premiums of this insurance policy are passed on to the people who have bought the mortgage, and are bundled into their monthly payments. The insurance premiums may not run for the entire duration of the mortgage. Mortgage insurance calculators help to determine how long the mortgagor will have to continue insurance payments on the mortgage.Do you want to learn more? view this post

This calculation is actually a very simple task. There are six important figures that are required to be inputted into the calculator – the current property value, the value of the property at the time of taking the mortgage, the current interest rate, the current balance amount, the monthly payment and the expected appreciation rate of the property.

A person has to pay insurance on the mortgage until the time the value of the remaining mortgage reaches 78% of the current property value. Each month a payment is made, a portion of it goes toward the principal value of the mortgage. Hence, the mortgage value falls down month after month. Once the residual mortgage value is below 78%, the mortgagor is no longer liable to pay any insurance premiums on it. Alternatively, there are no insurance premium payments to be made after the mortgage balance falls below 80% of the appreciated property value.

Buyers of mortgages may waive insurance premiums in lieu of higher interest rates on their mortgages. But more often than not, this is a tricky decision to make – whether to go for higher interest rates or to settle for paying mortgage premiums. There are special mortgage insurance calculators that can help buyers of mortgages decide this aspect. Such calculators can help to compare the total interest costs over the mortgages and the total portion of payments done towards mortgage insurance premiums.

Affordable Short Term Car Insurance

Short term car insurance is exactly what it sounds like. It is car insurance you that you can purchase for a shorter period of time than the traditional bi-annual policies we are accustomed to. There can be situations when you will find you will need it in addition to your regular coverage or there may be times when you would consider it instead of a regular 6 month policy. San Angelo Insurance Company offers excellent info on this. Do you really want to insure your car for the whole year when you know you aren’t going to need it the whole 12 months? Of course you don’t. If you’ve had the feeling that there just had to be a more practical way make whatever it is your situation calls for simple, affordable and of course, legal, then you should start looking into this as an alternative option. By stopping in here and taking a little time to familiarize yourself with what will be expected of you, it will be a just a few questions and clicks away from acquiring quotes on the necessary coverage which you help customize with your insurance provider. You’ll know in a short period of time if you do a little comparison shopping you just might see that would be a much better plan it can save your considerable amount of cash while providing you with comprehensive coverage.

There are any number of reasons might you need some short term coverage. Every driver has different needs and different drivers are looking for varying levels of protection. Whether you are a ‘worrywart’ and hyper-vigilant about being covered for any emergency, or you rarely worry at all about what could happen, because you are in a rush to get something done, you are going to have to learn just enough about short term car insurance to set it up. First and foremost, whether you like it or not, if you are driving a car, you have to have insurance. It makes no difference if you are going around the block or across the country; it’s the law. If that isn’t enough to motivate you to do the responsible thing, then think of it as a pre-emptive strike just in case you need to “CYA”. Who doesn’t have a nightmare of a story to tell about someone they knew who for some reason or another had been involved in an accident with an uninsured vehicle or driver that had resulted in fines, legal fees, and loss of income. An accident that cost so much that they had to spend every penny that they had to fix the problems that came along because of the one time they did something really stupid, and ignored the law and drove without insurance.

Choosing the Right Miller Hanover Insurance

If you do not have access to a group employer plan then the other option you have is to apply for individual health insurance plan. Visit us on Miller Hanover Insurance. Individual health insurance application requires more information from you then group health insurance plans that you might have had through job. The reason for that is that individual, and that applies to family health plans, are medically underwritten. That means that a person called medical underwriter will go over your medical application and decide if you are a good risk for the insurance company. The main reason for medical underwriting is to keep overall cost for every one low. The more insurance company has to pay out in claims the more they have to charge every one for health insurance to keep the average cost down. If you have already had a chance to take a look at individual application then you probably know that it can be long. How much of the application you have to fill out depends on your previous medical history? If you are in perfect health then there is not much that you can write on your application other than some basic information. If you are someone who has been to the doctors for lab work, test or takes prescription medication then you would have to include that on your application. Most individual application require you to provide information of your doctor or the last doctor you have been to. If you are not sure of the name of the doctor you can always include the hospital name, clinic name or doctors practise name. When it comes for the dates of your last doctor office visit or any other dates. If you do not remember exact dates, just put down your best estimate. The most important thing to keep in mind when filling out individual or family application, especially if you do have some medical issues, is to understand this.

Terms And Conditions Of Auto Insurance

It is important that anybody driving a vehicle, whether it is your car or a friend’s car, have an auto insurance policy centered on the high number of injuries that arise each year, even though it is the least of all insurance plans offered. auto insurance near me offers excellent info on this.

The insurer protects the policyholder and covers all persons who use the vehicle or the driver in certain situations. However, whether the vehicle is involved in an event that is not in the interest of the policyholder or in default of the arrangement between the policyholder and the insurance provider, the insurance policy will not compensate the harm incurred by the accident.

In situations where the insured vehicle is transferred to another individual, the new purchaser is protected within a duration of 3 weeks after the transition of possession by third party liability insurance and often by a robust auto insurance policy (if any). When there is a brand successful insurance program, the new vehicle owner may incur for the deductibles in the insurance policy.

Car insurance does not compensate harm to cars in the hands of the insurer for the intent of purchases.

There could be no reason for you to inform them whether the provisions of the contract agreement have modified, depending on the auto insurance policy negotiated between you and the insurance provider. Forfeiture compensation and compensation can be the result of failure to inform the insurer whether an injury happens or reduction of the indemnity and compensation or whether compensation and compensation lapses in the payout.

Therefore, in order to mitigate the repercussions described above, contact your insurance provider promptly if there is a shift in policy detail.

Without ending the original policies from the first insurer, you will buy the same auto insurance from two separate insurance firms, so when an accident happens, the agreement of the car insurance contract may apply, and this could mean that all companies cover part of the expense on an accident.

In respect to car insurance, another significant factor to remember is the deductibles that are focused on the auto insurance coverage arrangement. Deductibles shall be deducted only once in the event of an insurance claim requiring liabilities of all third parties and penalties resulting in the comprehensive vehicle insurance plan.

There would not be a deductible under cases such as:

  1. Damages resulting from a known responsible tortfeasor
  2. Harm resulting from burn, blast, lightening or theft
  3. Harm from objects that land on the automobile.

In addition, if there is driving injury to the automobile by any individual other than the policyholder or another licensed owner of the three cars in the car insurance policy, there would be an extra deduction.

There are certain injuries and will not be protected by the car insurance policies. Your vehicle inside policy is not included by the liability insurance;

  1. The Driver’s Injury
  2. Harm arising from the carriage of goods by road according to contractual actions
  3. Harm to vehicle connected
  4. Loss that happened at the moment the car was rented out, although it can be shown that the damage is related to an incident that complies with the auto insurance policy
  5. Harm to things belonging to the driver, policyholder, a frequent customer, anybody mentioned in the auto insurance policy.

Source To Know All About San Angelo Pronto Insurance

Auto insurance is an insurance coverage designed for automobiles, trucks, cars, and any other road-going vehicles. Its primary function is to offer financial protection against personal injury or physical damage resulting from vehicle accidents and also from liability which can also arise in a car accident. It helps you get compensated when you are involved in an auto accident, regardless of who is at fault. There are many types of auto insurance available in the market these days. Most insurance companies provide different kinds of insurance plans based upon the kind of vehicle driven by an individual, the driving pattern of the individual, etc. Different companies also have varied discount schemes for auto insurance, which helps the customers to get reasonable discounts on the insurance quote. Visit us on San Angelo Pronto Insurance.

One of the most common types of auto insurance is the uninsured motorist coverage reimbursed in the event of an accident. This coverage reimburses the driver who is not covered by an insurance policy due to his/her failure to stop after crashing the car or to show proof of insurance after crashing the car. A common type of this coverage is the hit-and-run coverage, which covers the driver who is at fault for a crash even though he/she was not insured or has not paid the necessary fee for the coverage. This coverage does not reimburse you if you are found at fault for a hit-and-run. However, if your vehicle is repaired after an accident and it is your fault for the accident, you can still get financial compensation for the repairs to your vehicle. A hit-and-run driver cannot claim for damages on personal injury and property damage caused by the collision, if the accident occurred because of his/her negligent or reckless actions.

You should always remember that you are required to have car insurance to drive in many states. Some states require you to get this coverage while others require that you have it. Therefore, you should understand auto insurance laws thoroughly before getting a car. You should also know what your responsibilities are if you get into an accident and if you can avoid unnecessary accidents.

San Angelo Insurance – Overview

Insurance is a way of protection against financial loss. It’s a form of risk management, mostly utilized to mitigate the potential risk of some uncertain or contingent expense. An insurer is also referred to as an insurer, underwriter or risk management company. Insurance businesses are classified into three main types: life insurance companies, health insurance companies, and automobile insurance companies. In this article we will discuss more about insurance and its types. Get the facts about San Angelo Insurance
Life Insurance. Life insurance is designed to cover the funeral expenses of individuals under a family policy. When you purchase a life insurance policy, the insurance company pays the amount of death benefits (the lump sum) to the designated beneficiary. Typically, you pay a lump sum premium to the insurance company when you purchase a life insurance policy. This lump sum is used for various types of expenses such as expenses for taxes, capital gains, expenses to payout the death benefit and many other purposes.
Health Insurance. Health insurance is designed to cover the medical expenses of insured individuals in case they become sick and need medical care. Health insurance companies are categorized into two types: health insurance companies and group health insurance companies. As for health insurance companies, these are firms that sell insurance and engage in the business of selling insurance, while other health insurance companies are associations of companies that sell or offer group health insurance to individuals. As for group health insurance companies, these are employers, government organizations, labor unions, schools, hospitals and any other group that want to provide low cost group health insurance to their employees.

Reasons Why Health Insurance Is a Must for Everyone

There was a widespread misunderstanding a few years ago that family health care is a form of privilege that can only be afforded by the wealthy. However, owing to many causes, such as inflation, increasing hospitalization rates, and the rise of the middle class, this view is now shifting.
There is no question that individual health insurance around the globe is considered significant. Homemakers and working people are currently hunting for insurance plans that will, just to name a few, cover their costs relating to critical illnesses, lifestyle problems, health issues, and diseases.Do you want to learn more?-get more info

We will speak about five persuasive factors in this article that illustrate the value of health care for persons, regardless of their age, ethnicity, occupation, or social status. In order to know more, read on.

Protecting finances
First of all, there is financial security offered by the scheme. When you get hurt or get ill, it will cover your medical costs. You would not have to pay your bills out of your own account in these cases. In addition to this, the operations and other surgical services that will save you thousands of dollars can be compensated for under this program.

For example, if you do not have medical insurance, basic bypass surgery will cost you up to $60000. And you do not have too much additional capital to cope with this kind of emergency.

Lifestyle Conditions for Wellbeing
Health disorders, such as asthma, hormone dysfunction, debilitating back pain, obesity, and diabetes, impact many homemakers and working professionals.

Owing to their demanding lives, most individuals acquire these disorders. The irony of the matter is that even young people have to see specialists these days to cope with their situations.

Besides, these days, psychiatric disorders are very common. It is vital, therefore, that you get insurance for your family.

Hospitalization Cashless
Health Insurance covers hospitalization in cashless form. For starters, if one of your family members gets ill in the middle of the night all of a sudden, you’ll have to get them hospitalized right away. They can claim thousands of dollars for emergency surgery at the hospital to save the patient’s life.

Now, you can risk the life of your loved one if you don’t have the cash right away.

Family health care will help you cope with this matter in this case. You don’t have to pay cash upfront for this policy. The treatment bills will be covered by the insurance provider.

Insurance against Critical Disease
Insurance providers now empower you to buy essential health insurance. If a heart attack, paralysis, kidney disease or cancer affects you or a loved one, this form of insurance can offer partial coverage as far as medical expenses are concerned. The program will include complete compensation for medical care in some circumstances.

San Angelo Insurance – At A Glance

When looking for cheap online car insurance, make sure that you realise that cheap only implies not that expensive and should not be mistaken as just cheap in some shape of form. It is important to investigate very carefully every auto insurance provider that advertises only cheaper prices, since others are in the lines of either paying for such inexpensive upfront rates or finding the expense of doing business cheaply over the life of the contract. This is not to suggest that an inexpensive online insurance offer is a bad insurance clause, particularly a fantastic car insurance quote that has a lower rate than what you have seen lately. This is only to suggest that as premium premiums for auto insurance are significantly reduced, what usually occurs is that one region loses. This may be the beneficial and almost precious consequences of the decrease or worst of a really strong customer support team, a late or non-existent settlement of claims! Get the facts about San Angelo Insurance
Stream of like-minded insurance providers online
Searching and searching regularly is a smart way to locate inexpensive online auto insurance and realise that you are not being taken for a ride. Hold a pen and paper and take notes as you move from the online insurance agent to the online insurance agency or brokerage company, and finally settle back and glance at all those notes when everything is said and done. What you’ll find is that for average car insurance quotes and auto insurance premium rates, there would be a flow of like-minded online insurance providers each dropping between $10-$25. You can notice a drop in the rates for the online car insurance prices every now and then and you need to circle them and head to the next entry. You will then realise just what we are referring to when we see that inexpensive is not necessarily the only place to go with car insurance because you have searched at all the notes from the tour on the Internet in pursuit of the lowest auto insurance rates
True Live Viable Savings Heavily Discounted
Another perfect way to save money on your online auto insurance is to build a strategy in which you grasp just what you need from your online insurance needs and are willing to head out there and collect your highly discounted actual viable savings. Agents and carriers who just see the bottom line and do not see the forest in the woods are flooding the field with inexpensive online auto insurance.

Home Insurance, Protecting Your Castle

The home of a man is his castle, the house you and your family live in, the inheritance of your family. For your peace of mind and protection, maintaining it is not only necessary but crucial. Auto Insurance Michigan-Ieuter Insurance Group offers excellent info on this. You will find useful data here that will help you determine what home insurance you want to purchase and the coverage you will need. Take the time to look over it, as with any sort of insurance policy, and ask all the questions you want before signing it.

Home insurance applies to a private residence’s coverage and security. If you live in a high-rise apartment or on a farm somewhere, on an island or in the city, it is not significant. For your insurance, it is up to you to determine what you want to cover and the sum you have to pay will depend on the place and condition in which your home is. You may have to pay more than average for burglary and vandalism security if your home is situated in an area where there is a lot of crime and break-ins. If you are not in top shape for an electrical device, the insurance provider will charge you extra for fire safety or ask you to repair it before insuring you.

Of course, depending on the region in which you stay, there are items that favor you and lower the premiums. If you live on the beach, for example, and your house has hurricane shutters, it will help lower the premium. There would also be a better rate for a home with an approved alarm system or an automatic fire extinguishing system than one without them. The materials used to build it and the type of terrain on which it is constructed are also considerations that the insurance provider can take into account in selling you a home insurance policy when it is built.

It is common when you buy your first home that the bank lending you the money to make the purchase needs you to purchase a home insurance policy that will cover at least the sum they lent you to buy it. The bank looks out for its own interests, not yours, so make sure that you get ample coverage to support yourself when you buy your first home with a mortgage. When they are ready to give you the loan, several banks will give you a home insurance policy to sign, look over it to find out what’s in it for you in case anything happens and your house is lost or harmed. Get them to change the policy before signing it, if you are not safe.

The Secrets Of Medicare Insurance Plans

Medicare insurance plans are the backbone of the united states medical system. With Medicare part A, or “Medigap,” as it’s also known, you receive guaranteed coverage, regardless of how much you earn and without any age restrictions. Medicare part B covers various medical expenses and is also subject to change yearly. Each year, Medicare insurance companies are allowed to change the percent levels that they charge for both Medicare part A and Medicare part B. Medicare insurance plans near me offers excellent info on this.

There are various types of medicare insurance plans. All Medicare supplement plans offer at least some coverage from Medicare. Some plans focus on hospitalization benefits, prescription drugs, dental care, vision care, travel, home health, and personal services. Others focus on covering long-term care, disability income, critical illness coverage, and coverage for expenses that occur while a patient is in the hospital receiving treatment. Even though most Medicare supplements are standardized, variations exist among companies and among products within companies.

Some people believe that Medicare part b should be considered a stand-alone program. Although this is possible, the majority of physicians agree that using Medicare part b alongside of Medicare part a is not always the best course of action. This is because individuals frequently purchase necessary medications from their private health insurance companies instead of seeking reimbursement from Medicare. Private health insurance companies may cover some of the costs of medications, but not all.

ERISA Summary Plan Description Requirements

The Employee Retirement Income Security Act (ERISA), the federal law regulating private pension, group life, and health benefits, includes a document known as a summary plan outline to be obtained by plan participants (“SPD”). Although the SPD must be drafted in compliance with two regulations of the Department of Labor, it does not have to be named “The Summary Plan Description.” Disability Insurance Attorney offers excellent info on this.

What is protected in the definition of the Overview Plan?

The SPD is a systematic document informing members in the plan on how the plan works and is handled. The SPD must, among other things, clearly describe the following items in an easily understood language:

A definition or description of the advantages

The term, supporter, and administrator of the plan

Mechanisms to Finance

Guidelines on participation and qualifications

Service and benefits assessment approaches

Timetables of profit vesting

Procedures for payment of benefits and scheduling

Submission Procedure for Allegations

Appeal procedure for allegations

Address for Legal Process service

Circumstances which can lead to ineligibility or denial of advantages

A declaration of the ERISA rights of participants and other technical notices

Questions that a participant will still have about the plan can be addressed by contacting the plan administrator after reading the SPD.

When should a review of the Summary Plan be provided?

In the following circumstances, every plan administrator must provide participants with a copy of the SPD:

When a fresh strategy takes place

When a worker becomes qualified to take part in a programme

At the written request of the participant or beneficiary of the programme,

Are there any exceptions to the definition of the Summary Plan?

Employer-provided daycare and health plans are excluded from the SPD mandate for management and highly paid workers. For limited plans covering less than 100 participants, there are no exemptions from the SPD provision.

Insurance Claims Lawyer Can Help You Get What You Need

Insurance claims often turn out to be quite contentious. It is important that you find a good insurance claims lawyer and adjuster who can help you with your insurance claim as quickly as possible. When you are filing for insurance claims, it is always best if the claim is settled out of court because you don’t want to go to court over something that may turn out to be a waste of time and money. Most of the time when an insurance claim is filed, the insurance company has their own adjuster who is called an insurance claims attorney. Insurance companies employ insurance adjusters, who in most cases are also lawyers, to decide the amount of your insurance claim. Feel free to visit their website at  Insurance Claims Lawyer near me for more details.

The insurance claims lawyer will then visit your home and conduct more detailed inspections of the property you claim. You would probably be best advised to hire your lawyer and/or adjuster at this point of the procedure to protect your legal interests. You do not want to have the wrong thing taken away from you in a loss sum because the insurance company thinks that they can get away with it. In addition to getting your compensation, the lawyer will also make sure that you are given justice. This could mean having the right amount to compensate you for the wrong thing done to you.

There are many things that can cause insurance companies to deny your insurance claim such as; the wrong location of the incident, the wrong type of injury, the wrong description of the incident, etc. In order to avoid having your claim denied, you would probably want to have the insurance company present the proper evidence to support the case that they are denying you the claim. A good insurance claims lawyer should know how to get the evidence to support their client’s argument so that the case gets accepted. If the case is denied you might ask the insurance company why the procedure was denied and then you might be able to retry the claim if you find that the procedure was properly followed.

Wilkinson Insurance – Guidelines

It may seem foreboding to negotiate with an auto insurance provider, and definitely not a way you want to spend the day. Auto insurance providers are also thought of as being unpleasant to negotiate with because whenever you need to make a claim, a headache is waiting to happen. This is not always the case, however. You will choose the best car insurance company for you if you do your homework ahead and not have to contend with the headaches and run-around that your buddies and neighbours worry about. Visit Wilkinson Insurance.

Car Insurance Business Program Researching

The trouble they get after making a claim is one big challenge that most customers encounter when negotiating with their auto insurance business. By investigating businesses to identify ones who are proven to provide high consumer and claim support history, you will overcome this question. They can send you scores as well as include statistics about situations when a significant lawsuit against a firm has been filed.

Car Insurance Sector Financial Security Study

A auto insurance provider’s financial security is vital and you want them to be willing to cover your claim because you don’t want them in the middle of the night to sneak out on you.

How each auto insurance provider helps you to save cash

The best car insurance broker may also provide the right prices, especially where saving money is paramount in an economy. A number of incentives are provided by auto insurance companies to encourage those who apply to save as well as to draw clients they directly wish to pursue. Although these discounts do vary, there are several discounts similar to all of them. Multiple policy promotions, for example, are normally accessible from both firms. You will save money by sticking with one insurance company whether you have several cars or whether you need to cover things like an RV, cruise, car, or jet skis.

Often, having homeowner insurance from the same firm that insures your car will contribute to considerable savings if you own your house. Such prevalent discounts are:

  • Discounts on Association
  • Healthy discounts for students
  • Discounts for allegiance
  • Military rebates

The Company with Auto Insurance with the Highest Prices

It is a fallacy that there is a mystical auto insurance agency out there that provides the lowest prices of any insurance company. Each business varies in how the risk associated with its clients is measured and how much they charge for that level of risk. Although your sibling might find one business cheaper, it may not be cheaper for you. This suggests that to find the insurer giving you the cheapest deal, a review of car insurance premiums is required.

Auto Insurance Agency- Some Insights

Are you in search of an auto insurance agency? If your answer is yes, this is the right article for you. In this article, you will be able to find some tips and information, which will help you to find the right insurance company in your area. Finding these companies will also help you to obtain the right policy for your vehicle without spending much time and money. It does not matter whether you are looking for an insurance for your new car or old car. Finding the best deal is very important before purchasing a policy blindly. This will not only help you to save your money, but also give you a guarantee that you are working with a reliable company in the industry. Firstly when you are looking for auto insurance, it is very important to find quotes from different companies. Our website provides info on Auto Insurance Agency-Ieuter Insurance Group

Finding auto insurance quotes online is not a simple task as you think. There are few important criteria that and factors that will come in front of you when you are looking for the right company. You should also be ready for spending some time for finding the right insurance package for your vehicle. Comparing the insurance quotes provided by different companies will also help you to find the right option. There was a time where people had to roam around in the city getting into company by company for obtaining the insurance quotes. However, today, with the advent of internet technology, you will be able to complete this task easily. Most of the large as well as small auto insurance companies are providing their quotes online. Moreover, there are also some websites on the net, which will help you to compare the policies easily. However, in order to find the right deal that suits your needs and budget, you should know how to obtain the quotes from multiple companies. Once you have the best quotes with you, you can compare them are easily find the right deal that suits your needs and budget.

When you are looking for auto insurance quotes of different companies, you should try to find a website that can assist you in this case. There are many sites, which will provide you the quotes of different companies. Once you get into these websites, they will as you to fill up an application, which will ask your basic details such as name, address, insurance budget, type of vehicle, occupation etc. Once you fill up and send this information, they will provide you quick, easy, accurate, customizable as well as affordable quotes.

When you are selecting a website, it is very important to make sure that they are providing an accurate database for the customers. It does not matter whether you are looking for a long term or short term, these websites will help you to find the right automobile insurance agencies that suit your needs and budget. Therefore, when you are looking for an auto insurance policy, make sure you have these tips in your mind.