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Media Coverage - jml Insurance
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See also: Press Releases from jml-insurance & Press Releases from the insurance industry
Please note the reports below may contain inaccuracies and jml Property Services takes no responsibility for this as they have been written by independent journalists.
Questor discounts car-hire excess cover
by Gill Montia
Questor, the car-hire excess insurer, is offering a 10% discount for customers purchasing online and using a dedicated link from the jml Insurance / insurance4carrental website, before the end of December.
Visitors to the sites need to find the Questor insurance page and will be provided with an offer code once they have landed on the site via the dedicated link.
The car-hire excess insurance market has been growing steadily in recent years, as consumers become increasingly aware that window, tyre and undercarriage damage is generally not covered by the hire company's basic insurance and that where damage is covered, the excess can be hefty.
jml insurance spokesman, Philip Suter, reminds customers that when they use the jml site, they are re-directed to their chosen insurance company's web site and that all dealing are between the customer and insurance company.
In addition to Questor, jml also promotes insurance4carhire, dailyexcess.com, Essential Travel, iCarhireinsurance, Odyssey and insuremyvanhire.com
Insurance4carhire succeeds with JML
Insurance4carhire has reported a successful year so far, with the JML Group having made over £100,000 in revenue for the company.
Since 2004. JML customers have been able to purchase Insurance4carhire policies and the group now has a dedicated car hire excess insurance site, which includes van hire.
UK motorists are increasingly becoming aware that renting a car also involves additional insurance; in the Eurozone in particular drivers making a claim have been charged excesses of up to £1,000 by rental providers, many of which operate in popular holiday destinations.
Currently, customers can benefit from 20% summer discount on Insurance4carhire's Annual European Excess Policy, which covers the excess on damage to a rental vehicle, including the roof and the undercarriage, excess on theft, and damage to windows and tyres.
The company is part of the Towergate Partnership and its policies are underwritten by Chartis.
Buy to let insurance policyholders 'need not worry about rent arrears'
Landlords with buy to let property insurance should not be concerned about rising tenant arrears if their policy offers a rent guarantee, an industry website has said.
According to ResidentialLandlord.co.uk, some buy to let insurance products on the market provide cover for missed rental payments, with 100 per cent cover of the monthly rent paid for up to five months from the first arrears.
Ian Wilson, managing director of insurance firm Martin and Co, told the website that buy to let insurance policies with rent guarantee are developed to ensure that their benefits are tailored specifically to landlords' needs.
He said: "Sadly, in the majority of cases it's a change in the tenant's circumstances that makes them unable to pay the rent. This can put the landlord in a difficult situation, especially if their rent isn't guaranteed."
Mr Wilson added that, landlords will often be sympathetic, but that they "still need their rent", so a solid buy to let insurance policy is essential.
Last month, Philip Suter, from JML Property Services, claimed that buy to let property insurance is something that landlords "cannot afford to be without".
Landlords 'cannot be without buy to let insurance'
Buy to let insurance is something that UK landlords "cannot afford to be without", according to an expert from the private rented sector, which may interest landlords considering buy to let insurance options.
The coalition government will today unveil its revised economic policy in an emergency Budget announcement, which could cause problems for buy to let insurance policyholders whose tenants may struggle amid economic uncertainty.
A major concern for landlords is the prospect of rising unemployment and its knock-on effect in terms of tenants' ability to keep up with rent payments.
Philip Suter, from jml Property Services, said: "If the effect of the Budget is going to cause higher unemployment, even in the short term, then property owners need to protect themselves."
He added that buy to let insurance is "one essential" that landlords "cannot afford" to miss and that rental guarantee insurance is now "vitally important".
Earlier this month, findings from independent research firm BDRC Continental found that 34 per cent of private landlords had experienced problems with rent arrears in the past 12 months, compared with 16 per cent in 2008.
Budget challenges for buy-to-let investors
Landlords are forewarned of painful times ahead, following tomorrow's emergency Budget.
According to jml-insurance.co.uk, the prospect of higher capital gains tax (CGT) on second homes and rental properties is one concern, while a rise in VAT could increase costs across a number of areas, including letting and inventory agents' fees, the renewal of equipment and refurbishment of bathrooms or kitchens.
Also to be taken into account are the knock-on effects of job losses resulting from the Budget.
Arrears generated from rising unemployment are already a major concern for landlords and can have particularly serious financial implications for buy-to-let investors with mortgages and those relying on rental income to help fund their retirement.
jml spokesman, Philip Suter, recommends insuring against arrears sasying: "If the effect of the budget is going to cause higher unemployment, even in the short term then property owners need to protect themselves."
Finally, landlords have also been alerted to the fact that HM Revenue & Customs (HMRC) is taking a particular interest in property sellers, with a view to tracking down CGT evaders.
According to accountancy firm UHY Hacker Young, HMRC investigators raised £60 million in extra CGT in 2007/2008, while two years later they raised £74 million, representing an increase of 23%.
Odyssey Insurance now on insurance4carrental.com
by Richard Kilner
It has been announced by insurance4carrental.com that the website will now market Odyssey car hire excess insurance.
The leading online excess insurance provider in the UK, Odyssey Insurance offers business and leisure travellers a cost-effective and easy way to take out car rental excess insurance and thereby dodge paying car rental firms extra fees, such as Excess Waiver charges.
Odyssey's products include Euro Odyssey European Car Hire Insurance, from £39.75 per year, and worldwide daily car hire insurance Daily Odyssey from £3.99 per day.
The firm also offers World Odyssey 31, worldwide car insurance from £59.99 per year, and for clients aged 75 to 85 years of age there is Odyssey 75-85 which costs £59.99 in Europe and £69.99 worldwide.
Philip Suter of jml Property Services has expressed his delight at being able to promote Odyssey Insurance to customers, adding that people could make large savings by using an independent insurance firm like Odyssey.
insurance4vanrental.com sees rise in van hire insurance sales
In September last year insurance4carrental.com offered van hire excess insurance (on behalf of Towergate Underwriting Group), since when the number of sales made has been rising daily.
In March, the firm launched insurance4vanrental.com, a reflection of the success of the specialist van hire excess insurance.
Philip Suter of jml Property Services, (which runs the website), has said that 55 sales of the product were completed between the 1st October 2009 and the 4th April.
Most van hires take one or two days, with most purchasers of the insurance being men taking advantage of the low £7.99 daily cost.
The insuremyvanhire product offers excess on damage and theft in full, and up to £2,000 coverage for any single incident, as well as coverage of wing mirrors, tyres, roof, undercarriage and windows.
Launch of insurance4vanrental.com
Insurance4carrental.com has now added Insurance4vanrental.com as a specialist category.
Since the latter half of last year insurance4carrental.com has been advertising van hire excess on behalf of Towergate Underwriting Group.
Earlier this month the website updated its van hire excess insurance page following the going live of Towergate's new product.
Philip Suter of jml Insurance (which runs the website) has said that due to the information gathered relating to the success of the new product it made sense to launch the specialist van hire excess insurance under its own name.
Suter went on to say that with the Easter holidays coming soon it was an ideal time to pick up a bargain, even hiring a van and taking the attic-dwelling clutter to a car boot sale.
He added that the site presently has one specialist van hire excess insurance provider, and that the site hoped to attract more in the future.
Simple launches caravan insurance via jml
Simple has announced that its new caravan insurance offering is now being promoted on the jml-insurance.co.uk web site.
The product is aimed at the owners of the UK's 498,000 touring caravans; 112,000 motorhomes and 335,000 caravan holiday homes (figures from the National Caravan Council).
Cover is available under two policies: Simple Static Caravan Insurance and Simple Touring Caravan Insurance.
Static insurance is available for caravans valued between £1,000 and £40,000 and touring for vans worth between £1,000 and £25,000.
Both policies offer a range of discounts according to alarm, tracker device and certified safe storage criteria.
In recent months, Simple has launched its new Rent Guarantee Insurance on jml's website, in response to landlords' growing concerns over arrears.
The policy covers up to £15,000 for rent arrears (up to £2,500 per month) and up to £10,000 for legal expenses.
Insurance4carrental offers Improved Van Hire Excess Insurance
Insurance4carrental recently enhanced their Van hire excess insurance when the van hire provider changed web sites. Insurance4carrental has been displaying ads for van hire excess insurance cover on their website for Towergate Underwriting group since last September. As of recently, insurance4carrental.com has altered the Van Hire excess insurance page to show that the new website by Towergate, Insuremyvan.com is now up and running and that inquirers from the insurance4carrental are now directed to the new website via a dedicated link.
Van insurance comparison site from The Van Insurer
The moderator of the auto and van hire van excess insurance website, Mr. Suter, stated that they had known about the website going live for quite a while and are happy that the site has now gone live. He also noted that they had been able to load the van hire excess page with more info and new logos and that is should be easier for the public to use. Philip went on to say that he had personally done a daily van rental, and bought van hire excess that cost him £7.99 per day, which is certainly cheaper than excess insurance he had bought from the van for hire company.
The main features of the van hire excess policies are as follows:
Excess on damage's and loss due to theft in full
Payment of up to £2,000 for any one incident
Windows, tyres, and wing mirror cover
Roof, undercarriage, and baggage cover
Cover for all drivers listed on your rental contact
Cover that goes from one to 180 days per van rental
However, the policy doesn't cover trucks, commercial vehicles and vans that weigh of 3.5 Metric Tonnes when without a load and Drivers must be between 21-84 years old.
For more information visit www.insurance4carrental.com/van_hire_excess.
Better van hire excess insurance from insurance4carrental.com
Insurance4carrental.com has updated its van hire excess insurance page to reflect the fact that Towergate Underwriting Group, on whose behalf the site has advertised van hire excess, has now launched its new Insuremyvanhire.com site.
Philip Suter of jml Insurance has expressed his delight that the new site has gone live, adding that insurance4carrental.com had updated its site with additional information and new logos.
Suter himself opted for the £7.99 per day product when hiring a van recently, making a substantial saving on the cost that would have been incurred had he used the van rental firm's own excess insurance.
The policies available include: up to £2,000 coverage for a single incident; damage to wing mirrors, tyres, windows, roof and undercarriage; baggage cover; excess on damage and theft in full.
Insurance4carrental.com offers worldwide car hire excess insurance
If you need rental car insurance anywhere in the world, there is one place where you can go and find all the information. Insurance4carrental.com is the place to be when you need any information about the companies that give car rental insurance and for the expert advice for the same topic. This is an operation that has its base in the Unite Kingdom and people from around the world can visit and make purchases for the services that the website makes available.
This UK operator in the car insurance supermarket can get you some of the best deals and offers from the providers in the UK market. The policies and the specification for the specialists will differ from each other but this is one such site that is helping in increasing the sales of products that are related to hire car excess. There are other companies or websites like insurance2carhire.com that are running under this operation and are making the services and products available to the customers all around the globe.
You can make international purchases and enjoy benefits as well. What you see is what you get. You will be using the local currency of your country and make purchases for the services and products. You will not have to deal in foreign exchange that used to be a tough task. An online expert will help you book insurance directly with the insurance providers and that too at prices that are very low. The average rates for policies in the market and in the internet market vary greatly and this is why you can take the help of this special car rental insurance portal.
All the latest news from the car insurance world brought to you by Supermarket.com the car insurance supermarket
Landlords should still be cautious despite rental increases
Philip Suter of jml-property-insurance.co.uk who has been a Landlord for over thirty years, said " it is good very good news that rents are now recovering again, however landlords should still remember that tenants can get into financial difficulties and consider very strongly taking out Legal Expenses Insurance and Rent Guarantee Insurance..."
Jml Property Insurance are Premier HomeLet agents advertising Homelet Landlord and Tenant insurance products on line for the past eight years. The Homelet Managing Director John Boyle who is a Landlord himself has just issued a News Release saying that he welcomed the latest FindaProperty Rental Index and the increase in rental asking prices he warns that it may not be good news across the board.
According to the February FindaProperty Rental Index The supply of properties available to rent fell by 3.6% to the lowest level since November 2008, this would be a result of people who could not sell and had to let their properties have been able to sell now and ten of the eleven UK regions experienced a monthly increase in asking rents. Following two months of declining values, asking rents increased from £804 pcm in January 2010 to £814 pcm in February, an increase of 1.2 per cent.
Philip Suter of jml-property-insurance.co.uk who has been a Landlord for over thirty years, said " it is good very good news that rents are now recovering again, however landlords should still remember that tenants can get into financial difficulties and consider very strongly taking out Legal Expenses Insurance and Rent Guarantee Insurance."
Philip went on to say that there are a number of well known Landlord and Tenant insurance providers advertising on our web sites including HomeLet, Letsure, Simple, Endsleigh and Rentguard who are offering Rent Guarantee products."
More information can be found at http://www.jml-property-insurance.co.uk/Landlords_Rent_Guarantee_insurance.htm
by Beth Williamson January 21st, 2010
Insurance4carrental.com is a UK based operation that despite its British base offers expert advice on hire car insurance with the added bonus that customers from around the world can easily purchase the services available.
Global customers can obtain the latest deals through the UK operator although individual offers are subject to the criteria and conditions of the individual insurance specialists featured on Insurance4carrental.com. The site itself is one of the premier advertising and promotion agents for sales of hire car excess insurance products.
Also operating under the Insurance4carrental.com banner are Questor insurance and insurance4carhire.com who both reiterate the message that despite their British base their products are available to all international customers.
One of the key benefits of international purchasing is that whether you are in Asia, the Sahara or mainland Europe you are able to purchase what is seen as these days mandatory insurance by using your own local currency and credit card, thereby avoiding much of the frustration associated with international transaction and exchange charges.
Insurance against excess is possible but bookings direct with hire agencies can frequently be considerably more expensive than when done through an online expert. While the average price of an agency bought policy is generally around £10 per day, Questor has offers for under £3 daily or from £43 for an annual policy.
The offers available from the UK-based providers apply to global customers who purchase services for use in the UK. It is important to note that non-UK residents are not covered inside their home country.
Car hire excess insurance available worldwide
Wherever someone is in the world, they can acquire car hire excess insurance from insurance4carrental.com.
The website offers products such as insurance4carhire.com and Questor insurance and, subject to terms and conditions, can offer motorists insurance wherever they happen to be in the world.
When hiring a vehicle costs can be cut dramatically by acquiring excess for any damage independently, instead of taking a Collision Damage Waiver from the car hire firm which can still leave a potential bill of around £1,000.
Coverage against paying an excess can be around £10 per day from a car hire company, but costs only £2.98 from Questor, or £43.68 for a year's coverage.
However, citizens of a country outside the UK would not be covered to hire a vehicle in their own country, insurance4carrental.com's Philip Suter confirmed.
Car rental excess reminder for Christmas travellers
Insurance4carrental.com.is reminding Christmas travellers to take out car hire excess insurance if they are hiring their transport.
The website promotes specialists in the excess insurance sector, including insurance4carhire.com whose spokesman, Philip Suter, comments that annual policies can prove very good value for money, although most providers also have daily policies at competitive prices.
There is increasing awareness among the motoring public that renting a car also involves additional insurance; in the Eurozone in particular drivers making a claim have been charged excesses of up to £1,000 by rental providers, many of which operate in popular holiday and second home destinations.
Furthermore, while rental agreements normally include cover for collision damage and theft, it is commonplace for the insurance supplied to exclude damage to a vehicle's undercarriage, tyres and windows.
Most rental companies offer excess insurance but consumers are advised to shop around as it is likely to be at a higher premium than can be obtained from a specialist provider.
Insurance4carrental.com is reminding Christmas travellers to take out car hire excess insurance if they are hiring their transport.
jml insurance websites offer HomeLet Landlord's Insurance+
HomeLet's Landlord's Insurance+ has become available on the jml insurance websites.
The new product offers a broad range of coverage including buildings insurance, contents insurance, and Prestige Rent Guarantee which covers legal expenses and rental payments for up to a year.
John Boyle, MD of HomeLet, has said that the Landlord's Insurance+, created with deep consultation with landlords and letting agents, is the only product of its type available in the market today.
Boyle went on to say that the product was competitively priced, and also offered a comprehensive level of coverage.
The Landlord's Insurance+ follows on the heels of the tremendously successful Tenants Contents Insurance + product, which helped drive HomeLet's policy sales up by 121%.
It was also developed to help counter the increasing dangers caused by higher unemployment and rising crime, creating a need for specialist insurance for landlords.
HomeLet to rescue LetSense agents
Tenant referencing and insurance firm, HomeLet, is offering assistance to agents linked to rival firm, LetSense, which is about to close.
John Boyle, HomeLet's managing director, says he has been contacted by a number of LetSense customers who are concerned about the closure and his company is determined to fill the gap.
Its New Agent Team has even set up a hotline for current LetSense agents, and is ready and willing to process applications.
The firm has guaranteed that it will set up new customer accounts and allow LetSense agents to transact their references and protect their landlords' rents, before the closure date of 7th December.
HomeLet currently supports a network of around 4,000 letting agents and regularly reference in excess of 1,500 prospective tenants every day.
The company recently announced that 91% of references are completed within 72 hours and 78% within six working hours.
In related news, jml Property Insurance has added Simple Rent Guarantee Insurance to its offering.
The online intermediary has recently launched a "rent guarantee" section on its website, in response to landlords' growing concerns over arrears.
The Simple policy covers up to £15,000 for rent arrears (up to £2,500 per month) and up to £10,000 for legal expenses.
Six or twelve month contracts are available, starting from £45 per month including IPT.
jml Property enhances rent guarantee offering
jml Property Insurance has added Simple Rent Guarantee Insurance to its offering.
The online intermediary has recently launched a specialist "Rent Guarantee" section on its website, in response to landlords' growing concerns over arrears.
HomeLet, Letsure, Endsleigh and Rentguard already appeared on the site which now also contains Simple Insurance's offering.
The new policy covers up to £15,000 for rent arrears (up to £2,500 per month) and up to £10,000 for legal expenses.
In related news, Landlord Assist has recently warned that buy-to-let conditions will remain difficult for landlords in 2010.
With no sign of the economic downturn lifting, the firm believes arrears will become a major issue in the months ahead, with uncertainty over interest rates adding to landlords' anxieties.
Furthermore, recent research from the National Landlords' Association indicates that almost three quarters of private residential landlords have experienced rent arrears, with 43% of this group reporting arrears being incurred in the last 12 months
New Rent Guarantee section in jml website
As the British recession stubbornly persists and unemployment continues to climb, more and more landlords are finding that their tenants are incapable of paying their rent.
To counter this, many consider taking out a Rent Guarantee Insurance policy from providers such as HomeLet and Letsure to acquire some protection should such a situation arise.
Landlords can find themselves in difficult if they lose their rent income, and Rent Guarantee Insurance can act as a financial safety net.
The number of missed payments is on the rise, with HomeLet paying out £1.5m in 2009 on Rent Guarantee Claims and legal costs, a significant rise on 2008.
In addition to the present economic woes, it is forecast that the jobs market will only stabilise five years after the recession, the longest and deepest since World War Two, finally ends.
Philip Suter of jml-property-insurance.co.uk has stated that Rent Guarantee Insurance now has its own classification on the website, highlighting the increased importance of the product.
jml signs up Staysure and JS Insurance
Staysure and JS Insurance have introduced their products to the jml website.
Staysure specialises in the over 50's market and is using jml to market its Over 50's travel insurance and Over 50's Holiday Homes Property insurance.
JS Insurance, which is a unit of Jade Stanley Ltd, is providing travel insurance for residents of EU countries, The Channels Islands and Isle of Man.
Its offering includes Winter Sports, Gap Year, Backpacker and over 65's policies.
The firm also specialises in mobile phone insurance and will cover Blackberries and iPhones.
Last month, jml signed up International Passenger Protection, which now provides Protectmyholiday Financial Failure Insurance via the introducer's site.
The policy is designed for the independent traveller who wants to protect against airlines and other carriers going bust.
jml has also recently extended its offering to residents of the Irish Republic with the introduction a new household and landlord insurance category.
The move followed the launch of a Northern Ireland specialist area on the jml Insurance website, last year.
insurance4carrental.com introduces new Van Hire Insurance
insurance4carrental.com has announced it is now able to act as an introducer for van hire daily excess insurance.
The product "Loss damage waiver excess reimbursement insurance - Van Daily Policy" comes from insurance4carhire group (part of Towergate) and is underwritten by AIG UK.
Only vans within the UK are allowed to take advantage of the product, which costs £7.99 per day.
The policyholder and up to seven named drivers are covered and will cover the Excess payable on damage and theft up to £1,000.
Philip Suter of jml Property Service (the firm that runs insurance4carrental.com) has stated that he is pleased that, with a large van rental market combined with the product's competitive value, the product is available via the site.
jml signs up Protectmyholiday
jml has extended its offering to include Protectmyholiday Financial Failure Insurance
The cover, provided by International Passenger Protection (IPP), is designed for the independent traveller who wants to protect against airlines and other carriers going bust.
At a cost of £5 per person for 30 days' protection, the policy also covers overseas hotels and villas plus self-catering accommodation in the United Kingdom, Channel Islands, Isle of Man and the Republic of Ireland.
Protectmyholiday claims that its website is the first of its kind because it allows consumers to buy financial failure protection insurance for component parts of holidays booked in the United Kingdom, Channel Islands, Isle of Man and the Republic of Ireland.
Endorsing the firm, jml Property Service spokesman, Philip Suter, comments: "A question that many people are concerned about is what happens if the villa owner goes out of business."
He adds: "The IPP policy is a very low cost way of having peace of mind whilst you arrange your self catering holiday, including the flight and car ferry."
IPP has been trading since 1990 and is a family run business.
In another recent development, jml has extended its offering to residents of the Irish Republic with the introduction of a new household and landlord insurance category
Business booms for insurance4carrental.com
Following great success since it was launched in February, insurance4carrental.com has undergone a radical redesign.
Originally featuring a single page, the website now offers a broader range of information for the numerous visitors who view it each week.
Matters relating to car rental have their own advice pages regarding the nature of car hire excess insurance when you rent a car.
The website is run by jml Property Services, and jml spokesman, Philip Suter, explained that the firm had, as introducer agents, been collaborating with insurance4carhire.com, Questor insurance and dailyexcess.com, and in the last few months have introduced a blog site.
Suter went on to say that car rental is not solely an issue for business or those travelling abroad, and that many ordinary Britons take advantage of the service without ever leaving Blighty.
HomeLet Introduces Tenant' Contents Insurance Product
Published:19-June-2009
The new policy allows for up to three people to share the same policy, as long as they are employed
HomeLet, a landlord and tenant insurance provider in UK, has released a new tenant' contents insurance product. The company acknowledges that it has become a trend that tenants share the cost of renting by sharing their home with a friend or colleague. The new policy allows for up to three people to share the same policy, as long as they are employed.
Philip Suter of JML-property-insurance, said: "We have been a HomeLet agent since 2002 and we are sent copy letters to tenants confirming the cancellation of their insurance, usually because of price and the fact that they have found a cheaper alternative."
John Boyle, Managing Director, HomeLet, said: "Our new policy - Tenant's Contents Insurance product is even better value for money than before, it still covers accidental damage to the landlord's contents, buildings, fixtures and fittings up to the value of £2,500."
JML-property-Insurance acts as a provider for insurance companies selling property insurance, including landlord and tenant rental products, pet insurance, wedding insurance, motor insurance, car hire excess insurance, travel insurance and non standard insurance products.
June 1,, 2009
jml provides landlord and household category for Ireland
jml Insurance Services has extended its offering to residents of the Irish Republic with the introduction a new household and landlord insurance category.
The move follows the launch of a Northern Ireland specialist area on the jml Insurance website last year.
An additional area of the site now offers introductions to companies such as Kay International and Intasure.
According to jml, a complete spectrum of household and residential property insurance products is available, ranging from simple landlord's cover through to blocks of flats and property portfolios.
jml spokesman, Philip Suter, comments "We are very pleased acting as an introducer for Kay International with their product range for the Irish Market. There is a great deal of rental property in Ireland and it is essential that landlords have suitable insurance."
Neil Cook of Kay International adds that his firm uses "traditional broking skills and values rather than a computer driven system" and specialises in complex risks including ex-offenders and flood or subsidence affected risks.
jml has also recently reintroduced Letsure Property Insurance products for its UK customers.
The company provides landlord, tenant and UK holiday home or second home property insurance, and a basic quotation system is available on the jml website.
Car hire excess sales on the rise
For the past five years jml insurance has acted as an introductory agent on behalf of insurance4car.hire, during which time they have introduced 17,000 clients to the company through websites such as www.jml-insurance.co.uk and www.jmlvillas.com.
jml's Philip Suter has stated that there is increasing awareness amongst the public that renting a car also involves additional insurance when booking or collecting the vehicle.
Suter goes on to say that insurance4carhire.com's daily policies are more reasonably priced than most rental companies' insurance offering, as well as offering windows, tyres and undercarriage coverage.
However, an annual policy is more cost-effective than a daily policy for those who would need the coverage for a greater period of time.
In his personal experience Suter has encountered a very hard sell approach from car rental firms, trying to persuade customers to take out more expensive insurance arrangements.
As well as insurance4carhire, jml also introduces customers to the car hire excess products of Questor insurance.
Letsure Property Insurance available via jml
04/11/09 ,
Letsure Property Insurance products are once again to be made available via jml-property-Insurance.co.uk.
When the website was first launched seven years ago its very first product was the Letsure Landlord and Tenants insurance policy.
As technology and the importance of the internet grew Letsure took the step of making its products available online.
Two years ago the insurer was acquired by the parent company of its close rival, HomeLet, and by October of 2007 all Letsure website's insurance dealings were directed to HomeLet.
In February Letsure's new MD, Ian Fraser, approached jml Property Insurance to enquire as to whether the firm could once again introduce Letsure products.
Letsure provides landlords, tenants and UK holiday home or second home property insurance, and a basic quotation system is available on the jml website.
It is the second property insurer to have its products available via jml in a week, with Rentguard Property Insurance offering coverage for residential & commercial lettings as well as Owner Occupier Insurance and UK Holiday Home Insurance through jml's site, as of last week.
Two years ago the insurer was acquired by the parent company of its close rival, HomeLet, and by October of 2007 all Letsure website's insurance dealings were directed to HomeLet.
In February Letsure's new MD, Ian Fraser, approached jml Property Insurance to enquire as to whether the firm could once again introduce Letsure products.
It is the second property insurer to have its products available via jml in a week, with Rentguard Property Insurance offering coverage for residential & commercial lettings as well as Owner Occupier Insurance and UK Holiday Home Insurance through jml's site, as of last week
Rentguard Property Insurance now available via jml insurance
JML Property Insurance has announced that it has become an introducer agent in the UK for Rentguard Property Insurance.
Residential and commercial lettings are catered for by the products and services on offer from Rentguard, who, in addition to this, also provide Owner Occupier Insurance and UK Holiday Home Insurance.
Philip Suter of JML has described the products on offer from Rentguard as good value not only for property owners, but also for tenants and landlords.
Not only is there a wide range of products to choose from, but over the internet quotes can be generated or cover provided within seconds.
Rentguard's national account manager, Chirag Patel, has expressed the firm's delight at collaborating with jml.
Earlier this month JML insurance's website also began offering products from Ember JD Insurance Brokers, particularly insurance for flats.
JML launches car hire excess insurance website
Online broker JML Insurance has launched a new website offering car hire excess insurance.
Car hire companies frequently sell insurance with higher than usual excess charges, which can come as a nasty shock to motorists involved in accidents.
Rental agreements normally include cover for collision damage and theft and excesses generally apply to both.
In the Eurozone in particular drivers making a claim have been charged excesses of up to £1,000 by rental providers, many of which operate in popular holiday and second home destinations.
In addition, it is commonplace for the insurance supplied by car rental businesses to exclude damage to a vehicle's undercarriage, tyres and windows.
Rental companies do offer excess insurance but this is likely to be at a higher premium than can be obtained from a specialist provider.
JML's new site provides links to insurance4carhire and Questor Insurance Services, both of which are well established in the car hire excess insurance market.
The firm says it is keen to hear from other companies offering the insurance as it hopes to expand its panel.
Please note Insurance Daily has described jml Insurance.co.uk as "an online broker" This is their description of the press release insurance4carrental.com is now live and as per our disclaimer at the bottom of each page on this website and our property insurance website jml-property-insurance.co.uk - We are only an advertising service for insurance companies and their products and the consumer goes direct to the insurance company's own website by dedicated tracking link.
Intasure launches policy for UK-based second homeowners
Holiday home insurance specialist, Intasure, has introduced a new policy for people who have their main residences in the UK but are absent for long periods.
The company, which provides policy documents in English and operates a UK based English-speaking support team, also provides cover for holiday homes across a number of European countries and further afield, in Thailand and the United Arab Emirates.
The firm says its policies are designed around the needs of property owners and can include locally tailored cover.
The new policy for UK-domiciled holiday homeowners is being promoted by jml insurance.co.uk, which points out that increasing numbers of British second homeowners are retired and can therefore spend long periods away from their main residences.
Unlike most home insurance policies, the Intasure product contains no restrictions on leaving a UK property unoccupied beyond the standard 30 days.
It can also provide cover if a property is let during the owner's absence.
According to jml insurance, Intrasure policies are underwritten by Lloyds of London and may also be suitable for properties of non standard construction.
jml-insurance offers Lifestyle excess insurance
The jml-insurance website is now offering lifestyle insurance excess products through a dedicated link.
The products, provided by insurance4excess, are designed for consumers who make insurance claims and end up paying the excess, and are available for home, motor, health, travel and pet insurance.
The way it works is that a customer takes out a Silver £500 Excess policy (a £500 Excess on their main insurance policy) that costs £75, and then has to make a claim of £1200.
The customer foots the bill for the first £500 and the £700 balance is paid for by the insurer, with the customer being reimbursed once the valid claim has been settled.
There are three levels available, Bronze, Silver and Gold with costs and excesses of £49 and £250, £75 and £500, and £99 and £750 respectively.
Generally higher excess means a lower premium for the customer, although naturally this is offset in the case of a claim with the customer paying the excess.
Rent guarantee insurance becomes more appealing
HomeLet, the specialist provider of insurance to the rental sector, is alerting landlords to the fact that rent guarantee claims are increasing.
The recession and the rise in unemployment resulting from the credit crisis mean that more tenants are facing financial difficulties and could therefore be unable to pay their rent.
Landlords who do not have insurance that protects rental income are therefore more at risk of incurring rental arrears and possibly legal fees.
Last year, HomeLet paid out £2.7 million in rent guarantee claims but the firm expects the figure for 2008 to be higher and other providers of landlord insurance are making similar reports.
According to Let Insurance Services, higher premiums may deter some landlords from covering themselves against the risk of defaulting tenants but this could prove to be a false economy, given rising unemployment.
Meanwhile, Philip Suter, spokesman for online insurer jml-Property-Insurance.co.uk, advises that premiums are currently between 1.5% and 3% of monthly rental income and reminds landlords that the cost can be offset against income tax liability for the rental property.
With regard to tenants, many risk going without possessions cover but for those who are insurance minded, Mr Suter explains that with some policies, a tenant can add cover against accidental damage to their landlord's property and safeguard their deposits.
Travellers advises to take out car hire insurance
With the holidays of Christmas and New Year almost upon us, it is important for those pondering even brief trips abroad to remember to take out car hire excess insurance and travel insurance.
Many people rent cars whilst overseas, and although most remember travel insurance it's vital that car hire excess insurance is not disregarded, advises JML Insurance.
Airlines and car hire firms sometimes sell insurance as an extra, other times they can add them in unless specifically removed and may cost more than insurance sought from other sources.
Insurance for both travel and car hire can be much less expensive by purchasing annual policies, as single trip insurance can be costly.
JML Insurance's Philip Suter explains that some car hire firms can try to pressurise customers into taking out insurance when they collect their vehicles.
JML acts as introducers for insurance4carhire.com and Questor insurance, which have entered this area of insurance recently.
'Insuring' our ex-offenders get a good deal!
Thousands of ex-offenders are being helped to get their lives back on track in more ways than one! The Delite Insurance Agency offer a unique service by not only providing home insurance cover to people who are struggling but provide advice and support where needed too.
According to a recent article issued by the National Association of Reformed Offenders "Concerns about insurance for ex-offenders" difficulties with insurance often arise when an ex-offender sets up home with their family after a spell in prison. Premiums can often go through the roof once this information is disclosed so people avoid disclosing this information when the time of renewal comes. Thanks to Delite, insurance premiums do not have to go through the roof and there is no question of holding back information regarding the new addition to your house. In addition, thanks to Delite, people who have returned to society from a spell in prison are offered a new lease of life when all too often they are held back or constantly under further pressure to resort back to 'old ways'.
Delite who have joined forces with JML insurance for the last eighteen months are working together to offer an insurance product that is not standard and geared towards specific circumstances. The companies are set to assist many more ex-offenders in addition to their client base of Northern Ireland residents.
Ex-offenders have paid their debt to society - why are they still paying through the nose?
For many years, ex-offenders have been experiencing problems getting insurance to the extent that they would fear revealing their presence in the family home affecting the premiums. The presence of an ex-offender is generally a problem when it comes to home and contents insurance to the extent that premiums would go through the roof. Is this fair? According to the article "Insuring our ex-offenders get a good deal" UNLOCK, the National Association of Reformed Offenders say insurance customers have not to put up with this kind of treatment.
Thanks to JML insurance and Delite, there is, at last, a helpful alternative to the run of the mill insurance policy in addition to useful advice and support. They appear interested in the individual rather than the statistics and for that reason will claim a large piece of the insurance market pie to the detriment of the insurance 'giants'.
JML cautions against cutting costs on insurance
Over the course of the last year the global economy has been hit first by the credit crunch, and is now in the grip of a worldwide downturn and probable recession.
In the midst of the economic gloom, jml insurance.co.uk has embarked upon a campaign entitled "Insurance is one essential you can't afford to be without today".
Philip Suter explained that people are naturally beginning to reduce their expenditure as times get tougher, cutting back on little luxuries and looking for savings where possible.
However, Suter cautioned against taking the perhaps tempting option of cutting insurance costs.
Several types of insurance are legally required (most obviously motor insurance) and buildings insurance may be necessary for mortgage holders.
Home contents and travel insurance are the most likely candidates for cutting costs, but Landlord and Tenant insurance products grant tenants and landlords peace of mind by protecting them against possible losses.
Doing so will save money immediately, but as most tenants have laptops and other expensive goods, the danger is that the cost of replacing them will far outstrip any short-term gain from going without insurance.
For those who travel several times a year, an annual policy can save money whilst still protecting the policyholder from potential pitfalls abroad.
"Over the course of the last year the global economy has been hit first by the credit crunch, and is now in the grip of a worldwide downturn and probable recession.
In the midst of the economic gloom, jml insurance.co.uk has embarked upon a campaign entitled "Insurance is one essential you can't afford to be without [...]" (2008-10-28)
JML collaborates with Questor Insurance
JML Insurance is now collaborating with Questor Insurance, by operating as introducers offering car hire and My Driving Licence online.
The car hire insurance policy is available on a daily or annual basis, and has been created specifically to cater to those renting cars without wanting to take on the policies, frequently sold by car rental firms, with higher excess insurance charges than is usual.
Questor Insurance launched My Driving Licence in response to the stark fact that 20% of motorists will pay a speeding fine over the course of any single year.
Should a ban occur, My Driving Licence will help alleviate the consequent difficulties through provision of greater travel expenses during the period of the ban's effect.
JML Insurance's Philip Suter has expressed his delight at introducing the products, a sentiment echoed by Questor's chief executive Andrew Lawrence, who has stated he looks forward to working with JML.
Contents insurance advisable for students
The NatWest and the Halifax have published surveys revealing that a substantial proportion of students (42% according to the NatWest) will be in part-time employment at the beginning of the academic year.
Weekly spending averages £109 (according to the Halifax), of which accommodation costs are typically £74.70.
The remainder is made up of food, leisure and transport costs.
However, concerns have been raised by Philip Suter of jml-insurance.co.uk that many students fail to take out insurance to cover their personal belongings whilst at university.
The reasoning, Suter explains, is that many simply assume their expensive goods will never be stolen and that insurance is therefore a needless expense.
Students today often have a number of expensive possessions, such as mobile phones, iPods and laptops, amongst others, which have led to insurers HomeLet and Endsleigh offering policies for student tenants.
Should a student's home be burgled, they could lose expensive designer clothing, computers and other electrical objects worth hundred of pounds, and without proper insurance coverage, the theft will be a dead loss with no compensation.
Although students can be highly mobile, and frequently change where they live, many rental policies are flexible enough to take this into account.
Suter adds that parents should take a lead when it comes to contents insurance for their children, as most will simply not even consider the necessity of taking it out.
Theft Insurance For Students
John Williams - Tuesday 26.08.08, 18:28pm
Students are being urged to take out insurance to cover their personal belongings while at university as most now have expensive personal items like iPods, mobile phones and laptop computers, as well as designer clothing.
While many students frequently change address during their stay at Uni, this needn't be a problem for insurance purposes as companies such as HomeLet and Endsleigh offer specialist policies which take this into account.
Philip Suter of jml-insurance.co.uk says that parents should take a lead when it comes to contents insurance for their children, as most will simply not even consider the necessity of taking it out.
JML Insurance and Delite tackle flood insurance
Ever since the terrible flooding of last summer and the lesser floods at the turn of the year, flood defences and insurance coverage for flooding have been uppermost in the public consciousness.
An agreement was reached between the Association of British Insurers (ABI) and the Government to the effect that flood insurance should remain widespread, an agreement welcomed by the British Insurance Brokers' Association (BIBA).
However, BIBA believes that despite the agreement there are some homes that will not be able to acquire flood insurance, and as such will require expert advice from a broker.
Homes which may not be covered include those with a 1.3% chance of flooding (or 1 in 75) and are not due to have flood defences bolstered in the next five years.
Insurance broker Delite Insurance, working alongside jml-insurance.co.uk, are able to offer insurance advice to those currently facing difficulties due to flood risk.
Delite's Neil Cook has explained that the firm can offer reasonably priced insurance, even if the homeowner's home insurer has withdrawn flood coverage.
JML insurance enter Northern Ireland home insurance market
The jml-insurance.co.uk website has created a new specialist category, wherein ex offenders and household insurance in Northern Ireland can be found.
Despite the happy advent of peace in Northern Ireland it remains an area of deep complexity for insurance.
Because of the lack of players in the insurance market, compared to the rest of the UK, household insurance costs are relatively uncompetitive in Northern Ireland.
Collaborating with Delite Insurance Agency, who have an exclusive deal with their Lloyds of London underwriter, jml-insurance.co.uk has begun to establish a presence in the complex region.
In addition to more usual coverage, favourable coverage is available for those with non-standard housing (excluding thatch), and poor claims history which is quite common, affecting one in five in Northern Ireland.
Every client is to be treated on an individual basis relating criminal convictions, with coverage offered regardless of problems, according to Delite's Neil Cook.
Delite's Neil Cook has explained that the firm can offer reasonably priced insurance, even if the homeowner's home insurer has withdrawn flood coverage
Agents Urge Landlords And Tenants To Retain Rental Insurance
by Elisha Sanders
Fears of a recession are growing within the U.K. and Ireland, which is leading many to reduce spending on non-essential services. One service that may see a decline, according to industry sources, is insurance on rental properties, both for the landlords and the tenants. However estate agents are urging tenants and landlords to retain their insurance, as it can be vital to the up keep of a property, and may well save money in the end.
Houses aren't selling well currently, either in the U.K. or in Ireland, however the renting market is still going strong.
Philip Suter, a long time agent, said that this isn't the first time the market for buying has been in a slump whilst the to let market was doing quite well. During the equity issues of the late '80s early 90s, many house owners who couldn't sell properties looked to letting them instead. According to Suter, the unemployment rate being higher at that point made it harder to rent properties than now.
However there are now indications that unemployment may rise in the near future, but because of the boom in the 'buy to let' market, there will be no shortage of rental properties. This boom could even lead to a fall in rental prices, as new properties aren't selling well and many are being let, resulting in an oversupply in the market.
Consumers are reducing their spending, with the effects of the credit crunch and inflation being felt, however agents are predicting that they may be looking to reduce their spending on insurance, as a means of lifting some of the financial burden. Suter believes this is partly due to misinformation about what landlord and tenant rental insurance covers. Landlords often don't realise that they need contents insurance for unfurnished properties, however without this, their carpets and curtains aren't covered. Likewise, tenants often don't realise that they require contents insurance because they mistakenly believe their landlord's policy will cover their belongings, which under U.K. law, it cannot. visit www.jml-insurance.co.uk
A Word of Warning...Make sure that you take out dog insurance when you get a new dog.
Many people will get a pet and completely forget the take out insurance cover as Philip Suter of JML Insurance did. It has been a very costly experience and the costs are going to mount up over the next few years
This is the advice from Philip Suter of JML Insurance who has paid the high price of not insuring his dog.
In September 2005 he and his wife adopted a rescue dog. The dog had been inoculated to date, was chipped with an identity chip and was a healthy young animal about 16 months old.
They had her spayed and even obtained a 'pet passport' for her, (these veterinary costs would not have been covered by insurance) however in the summer of 2006 she started behaving strangely and then had difficulty eating because her gums were bleeding. The dog was diagnosed as having Immune Thrombocytopenic Purpura .
Fortunately the dog is able to maintain a good quality of life and is on steroids for the rest of her life. She has to have regular blood tests and can suddenly become very ill quickly and on the last occasion this happened a 24 hour stay at the vets when she was on a drip cost over £240. To date the treatment for the dog has cost over £2,500!
Philip said that "they decided to still take out dog insurance late in 2006 as although no insurance company would cover her for the ongoing medical condition she could have an accident or another medical complaint that would be covered". They are paying £15 a month with a pet insurance provider and of course had the dog been insured from she first moved into her new home, it would have saved a lot of money.
jml Property Services launches new web site
In 2002 jml Property Services launched a website designed at the rental market offering mainly Homelet and Letsure insurance products - jml-propertyinsurance.co.uk.
Other non property products were added including car hire excess insurance from insurance4carhire and travel products from Direct Travel. Theses also tied in with the re-branded euro-rentavilla.com holiday home advertising site that had been re-branded as jmlvillas.com.
Despite a couple of makeovers, the site needed bringing up to date with the ability to sell a much wider selection of products. With the increasing ownership of overseas holiday properties, Overseas Property Insurance was added in 2006. English speaking clients prefer to have their insurance policy written in their native language and this has proved most popular.
In May this year www.jml-insurance.co.uk went live. It has been specifically designed to be easy to navigate and now covers a variety of products from cars, property to wedding insurance. Other products are under negotiation like boating and business insurance. The site is run by former letting agent Philip Suter
For more information about ARLA Click on logo
Home Rental Insurance
THE HOME rental company jmlvillas.com can now offer holiday home owners insurance policies, written in English and underwritten by Lloyds through sister company jml Property Insurance.
The countries covered are France, Spain, Portugal, Greece, Italy, Ireland, Gernany, Belgium, Holland, Denmark, Sweeden, Malta, Cyprus and the UK. Premioums are payable in sterling and the insurance is arranged via Andrew Copeland (Insurance Consultants) Ltd of London. The company is regulated by the Financial Services Authority in the UK. jml-property-insurance.co.uk
Please note, all details on releases on this page are written by independent journalists for specific media publications and jml Property Services does not take any responsibilty for their content or accuracy.
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Insurance Industry Press Releases
jml Insurance.co.uk / jml Property Services acts purely as an advertising service for insurance products on this website. We are not insurance brokers and are unable to offer advice or deal with any of our advertisers enquiries. It is not an insurance comparison price website. All dealing must be with the insurance company that you will gain access to via a link from this website. jml Property Services are unable to give advice either verbally or in writing regarding insurance or assist with changes to insurance policies that you have taken out. You must contact the insurer direct. We are therefore unable to provide any quotes ourselves as we would be breaking the law. If you are unable to access one of the insurance company's sites please contact us. There are occasions when a link is broken to an insurance company's website and we are not aware of this.
© 2019 JML Insurance Services. Web site design, development, graphics and hosting by Taupo Solutions, Oxfordshire.
JML Property Services is a trading name of Jeffrey Milner Ltd. PO Box 80, Princes Risborough, Buckinghamshire. HP27 0WA. England. Established 1979 — Promoting insurance products online since 2002


April is National Kite Month! This simple springtime pastime is a great family activity, but finding the perfect place can be a challenge. The Finger Lakes offers up a total of 11 lakes in the region which all provide the perfect mix of location and wind. In Cayuga County, there are some great open spaces and parks that lend themselves well to this relaxing pastime. So, pack a picnic and the kids, and head out to a windy spot to enjoy some kite flying!
a. The length of the string (short enough to keep the kite away from any hazards).
b. The kite flyer must not interfere or endanger other park users.
c. The kite flyer would be responsible to insure the kite does not become entangled in trees, power lines etc.
What else is there to do? If you make the trek to Emerson Park but the winds just won't agree with you never fret there are plenty of other activities to enjoy! Emerson Park also offers playgrounds, swimming in the summer, picnic shelters, and even a dog park. Activities such as paddlecraft rentals and disc golf are available. Also located on park property is the Ward O'Hara Agricultural Museum. Looking for a bite to eat afterwards? Green Shutters is right across from Emerson Park and offers a not only ice cream but a full menu with seating inside and out.
2. Frontenac Park is another great option. Located in the Village of Union Springs the park has an expansive property of twenty-seven acres that is open and some great lake front as well along the shore of Cayuga Lake. The park is seasonal so during the off season kite flying is an at your own risk activity. The park has two picnic pavilions and a gazebo available for reservation.
This spectacular 1400-acre site, with nearly two miles of Lake Ontario shoreline, features glacially formed bluffs withscenic vistas of Lake Ontario. The Sterling Nature Center is open from dawn to dusk every day of the year. The beach is ideal for kite flying but please keep in mind not to get too close to any areas with trees and to use good judgment. Since this is another property operated by Cayuga County the same rules apply for kite flying as at Emerson Park.
When the wind conditions are right you should be able to fly a kite on McIntyre's Bluff successfully. If you want to take a break, take the family on a hike throughout the nature center's network of trails. If you love all things that fly then make sure you visit the Nature Center's rookery that offers up the Great Blue Heron who are nesting during the spring. If the visitor's center is open be sure to check out their exhibits inside that feature information about many of the creatures that live on the center's grounds. Additionally the center offers special events and programming. If you want to learn more visit: http://www.cayugacounty.us/Community/Parks-and-Trails/Sterling/Sterling-Nature-Center-Events and make a full day of nature exploration.
*Please note check in with the municipality that you are visiting to find out rules and regulations beforehand. Due to safety issues, all NYS parks prohibit kite flying.


This is a problem I'm sure I have encountered before and I haven't a clue where I'm going wrong!
I have my scene with two characters who are having a conversation and I need to import my audio to start creating the lip synching.
However, no matter what I do the audio always imports at 0 on the time frame. I adjust the audio start time but it makes no difference. Any ideas "VERY" much appreciated.
Incidentally, I considered using DAZ Mimic and thought I would give the demo a quick spin to see if it was as good as I had heard but I couldn't get it to run. When Importing the plugin I get the following error.
This application has failed to start because DevIL.dll was not found.
That file is a required file for Mimic LW to run. I know the file is part of the full working version of MimicPro For LW as I bought the program a few months back! Not sure why the demo doesn't have it. It also might have been placed in the wrong directory or folder during install of the demo. The file needs to be in LW's program directory to work.
If for some reasom you don't find it you can contact DAZ3d to ask them about the DevIl.dll file, or you might try a search for it using google.
Thank you for the reply mate. I'll have a go at searching for it. If I can find it do you know which directory I should paste it in!
It goes into your LW Programs directory, the same place Mimic's main program and its other .dll files should be. You may want to cosider getting in touch with Daz3d about the missing .dll. Tech there is very helpful from my experience.
I had problems with this same thing. You have take all the files in the "Program" folder that came with Daz3d demo and put them in LightWave's Program folder, make sure the Pulgin from Daz3d is in your utility's folder.
I'll give it a try and report back. Thank you!
Excellent! I've managed to get the mimic demo to work so thank you for your help.
I've tried changing the audio start time before I add it and after but it makes no difference.
The only thing I can think of is changing the time on the audio itself.
Yeah, unfortunately Daz MimicPro for LW does not have a way to adjust the start frame/time of an audio file. I found it best to record the audio dialog and allow silence until the character is supposed to speak. MimicPro for LW has not been updated in a while and there's no clue if it will.


text:
Q: MYSQL LOAD DATA INFILE LINES TERMINATED BY not working I have data load from text file, looks like ID column is not coming from text file , it is coming as 0.

drop table table1;
create table table1 (id int, name varchar(50),Ref_by varchar(50),Dept varchar(50), city varchar (100));
select * from table1;

LOAD DATA INFILE 'G:/MYSQL_Load/Data_txt_files/db/tbl_Student.txt' INTO TABLE table1 FIELDS TERMINATED BY '|' LINES TERMINATED BY '|||';
select * from table1;

After load.

Here is the sample, between Id 9 and 10 there are three lines are added as zero. I guess this is because of characters length in the text file I have 4000+ characters for one of the filed. I tired txt and csv both are getting broken.

redpajama_set_name: RedPajamaStackExchange


Easy RPG los de la derecha, RTP los de la izquierda.
It's the best time to make some plans for the future and it's time to be happy. I've read this post and if I could I wish to suggest you some interesting things or tips. Maybe you could write next articles referring to this article. I want to read more things about it!


I have been called many things. I have written many songs. I have learned to be patient but I haven't really learned to get along. The future and the setting sun will come out either way. That's my new record. Its a little more rootsy, maybe even stripped down at times, but still very surprising and dynamic. Its easy on the earholes. And I'm pretty excited about it. Two thumbs up.


text:
Q: Assign default value to TIMESTAMP_NTZ snowflake I need to assign default value to column SERVERTIME with datatype TIMESTAMP_NTZ in snowflake.
I have a below query:-
CREATE TABLE STG_ORDER_DETAIL
   (
    ORDERID NUMBER(38,0) not null,
    ORDER_TYPE VARCHAR(3),
    AGGRID VARCHAR(20),
    AGGRNAME VARCHAR(250),
    MERCHANTID VARCHAR(20) not null,
    SERVERTIME NOT NULL DEFAULT '1900-01-01'::TIMESTAMP_NTZ(9),
    CURRENCY VARCHAR(5),
    constraint STG_ORDER_DETAIL_PK primary key (ORDERID, MERCHANTID) not enforced);

getting syntax error.

A: Please make sure the data type is included and matched with the expression:
CREATE TABLE STG_ORDER_DETAIL
   (
    ORDERID NUMBER(38,0) not null,
    ORDER_TYPE VARCHAR(3),
    AGGRID VARCHAR(20),
    AGGRNAME VARCHAR(250),
    MERCHANTID VARCHAR(20) not null,
    SERVERTIME TIMESTAMP_NTZ(9) NOT NULL DEFAULT '1900-01-01'::TIMESTAMP_NTZ(9),
    CURRENCY VARCHAR(5),
    constraint STG_ORDER_DETAIL_PK primary key (ORDERID, MERCHANTID) not enforced);


Student loans can be very difficult to discharge and usually reserved for people who could not maintain even a minimal standard of living for themselves or their dependents if they were forced to repay the student loans.
The two different kinds of bankruptcy handle this quite differently.
In a chapter 7 bankruptcy most courts refer to what is known as the Bruner Test to determine if the student loan is eligible to be discharged in the bankruptcy. The Bruner test can be paraphrased and summarized as follows.
As a general rule, bankruptcy courts are often reluctant to discharge student loan obligations, and as a result the standard of proof needed to show the financial hardship repay the student loans might cause you and your dependents can be high.
Only an experienced bankruptcy lawyer can determine your ability to obtain a discharge of your student loans in bankruptcy. Even if you are not able to discharge her student loans in a chapter 7 bankruptcy you may be able to obtain relief on your direct student loans through the Department of Education or under chapter 13 bankruptcy. At Marshall D Cohen LLC we have experience counseling our clients about the likelihood of their success in discharging their student loans, repaying student loans under chapter 13, and seeking administrative relief through the Department of Education.
Even if you're not eligible to discharge her student loans under chapter 7 you still may obtain partial relief from your student loans, both direct and private student loans, through chapter 13. Under chapter 13 you propose to the court repayment plan to repay all of your debt including your student loans. Often times the repayment of debt can be at pennies on the dollar.
The typical chapter 13 plan last 3 to 5 years. At the end of your chapter 13 plan all of your debts are discharged with the exception of your student loans. At the end of the chapter 13 plan without having any other debt clients are in a better position to reestablish a repayment plan on their student loan whether it be done by simply picking up the payments, consolidating their student loan debt, entering into an income-based repayment plan, or applying for a loan rehabilitation program.


Two and a half years ago, she ran away from her home and her life.
Her life was good, and she was happy with her small family, her close-knit circle of friends, and being by the side of the man she loved more than life itself. She was a normal girl who was happy with what she had and didn't want more because she couldn't imagine ever having the need to desire it.
But she made a mistake when she chose to save him from his past.
Now aided by a mysterious agency she knows next to nothing about, she always manages to stay one step ahead of the man who vowed to take everything from her. Moving around from city to city, country to country, continent to continent, has become a regularity. She only knows of the constant need to look over her shoulder, afraid to make a mistake and exposing herself to the man who forced her to abandon everything she cared about.


text:
"My work expresses my concern with the honor, dignity, truth and potential of real people. Human lives and beliefs are the material, the choreographic elements, of my work."
- Robert Moses
Founded in 1995, Robert Moses' Kin is considered by many to be one of the most prolific and exciting new contemporary dance companies to emerge nationally in the past decade. The company's mission is to produce work which speaks to what is specific and unique in human nature. Robert Moses' Kin uses movement as the medium through which race, class, culture and gender are used to voice the existence of our greater potential and unfulfilled possibilities.
Robert Moses' diverse company is known for its eclectic movement vocabulary, demanding choreography, ferocious dancing, and provocative themes. Moses' focus on the expressiveness of the human body and his desire to speak with the voices of his African American heritage have produced works with regional, national and international recognition.
Since founding Robert Moses' Kin, Moses has collaborated with a number of prominent dancers, musicians, composers, sculptors, authors, poets, and designers to realize the concept of dance as a unifying form of art, an art-form which speaks broadly from a specific place. The company has commissioned works from choreographer Julia Adam, Alonzo King, Sara Shelton Mann, Margaret Jenkins, KT Nelson and Robert Henry Johnson. In addition, Moses has collaborated with numerous other artists including Marcus Shelby, SoVoSo, Keith Terry, Will Power, Frank Boehm, Joe Venegoni, Dan Reiter, Joanna Haigood, Amy Seiwert, Alex Ketley, Somei Yoshino Taiko Ensemble and the poets of Youth Speaks.
Robert Moses' Kin has presented an annual home season in San Francisco since 1995, premiering several new works every year with a repertory of over 70 works that range from neoclassical ballet to postmodern movement theatre. Over the past several years, Robert Moses' Kin has enjoyed an increase in touring opportunities to universities, colleges, and festivals throughout the U.S., including Jacob's Pillow, Bates Dance Festival, Colorado Dance Festival, Dance Center at Columbia College, University of Nevada, University of Texas, Orange Coast College, Dance Umbrella, Stanford University, ProArts Collective, the Maine Festival, and New York's City Center's Fall for DanceFestival. Robert Moses' KIN regularly participates in residencies and offers master classes and lecture-demonstrations while on tour.
The company's work has earned a host of awards, including four Bay Area Isadora Duncan Awards (IZZIES), the most recent ones were in 2016 for Outstanding Achievement in Choreography and Outstanding Achievement in Performance-Company for Thick/Silt/Powder/Death, in 2007 for Best Individual Performance of Doscongio by Robert Moses, and in 2004 for Outstanding Achievement in Choreography for The Soft Sweet Smell of Firm Warm Things. Robert Moses and the company have also been awarded a Bay Guardian Outstanding Local Discovery Award in Dance (Goldie); and a San Francisco Weekly Black Box Award for Choreography.
Robert Moses' Kin has been the recipient of major funding from the William and Flora Hewlett Foundation, San Francisco Arts Commission, Grants for the Arts/San Francisco Hotel Tax Fund, Wallace Alexander Gerbode Foundation, Fleishhacker Foundation, National Endowment for the Arts, Zellerbach Family Foundation, Princess Grace Foundation, New England Foundation for the Arts, Rockefeller MAP Foundation, San Francisco Foundation, James Irvine Foundation, California Arts Council, and Walter & Elise Hass Fund.
An ambitious and diverse company, Robert Moses' Kin has received tremendous national media coverage in such publications as The New York Times, Entertainment Weekly, Dance Magazine, Los Angeles Times, San Francisco Chronicle, San Francisco Examiner, The Village Voice, Denver Post, Rocky Mountain News, as well as on radio, television and the internet.
© 2019, Robert Moses' Kin | Site Map

redpajama_set_name: RedPajamaCommonCrawl


Pennsylvania finally has joined 36 other states that have a credential for BSWs. On Oct. 22, 2014, Gov. Tom Corbett signed Senate Bill 807 into law, making it Act 179 of 2014. The legislation was sponsored by Sen. Chuck McIlhinney (R-Bucks).
Senate Bill 807 creates a voluntary license for individuals who graduate with a bachelor's degree in social work. NASW-PA is confident that providing a credential for BSWs will set them apart from graduates with other degrees, paving the way for more BSWs delivering frontline social work services. Licensure for BSWs protects the public and holds those individuals who operate outside of the NASW Code of Ethics and professional standards accountable. We are confident that outcomes in a variety of areas of social work delivery will improve now that this credential is available.
We encourage graduates and current students to stay connected to NASW-PA to find out more about when the licensing application and exam will be available in Pennsylvania. According to the law, everything could be in place as soon as July 2015. However, the process could take longer because new regulations have to be written to comply with the law. Just like licensure at the master's level, BSW graduates will have to pay fees to sit for the exam and get the license. There also will be a continuing education requirement for bachelor's level licensure.
If you attended a Legislative Advocacy Day or contacted a legislator or staff member on behalf of BSW licensure, NASW-PA has a simple message: Thank you! BSW licensure could not have become a reality without the advocacy of many students and professionals over the years. We appreciate your passion and work to help us get this legislation passed!


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2 Critical Things You Must Do to Meet Your Goals for the Year — Winning Ways, Inc.
If you haven't set your word and goals for the year yet, January is a great time to do it. With the holiday rush over, you can focus on the year ahead.
So, what are two things you want to accomplish this year? One can be personal and one professional. Write them down! Make sure you put those goals in a visible place that is front and center.
Let's say one of your goals is to be promoted to a specific position. You're going to have to take several steps to ensure this happens.
One step might be setting up a meeting with your boss and asking what you need to do to demonstrate you're ready for the promotion. Your boss says you need a specific certification, and you need to be up-to-date on all performance reviews. He also suggests you talk with two people who already hold that position (or similar) and ask how to be successful in that role.
Now you have three milestones to achieve, so it's time to schedule them on your calendar.
First, look up when the certification test is offered. Set up a timeline to prepare, and register for the test during Q1.
Look through all the performance reviews, and set a completion date for Q2.
Set up meetings with the two people who already hold the position you aspire to; you could do this during Q2 as well.
Continue to break down the steps you need to reach your goal, and schedule it on your calendar to ensure you keep moving forward.
This might sound easy and basic, but the people who achieve their goals create milestones and schedule completion dates.
If you'd like to guarantee your success on achieving your goal email me for a goal planning power grid. It includes 10 steps to guarantee you'll achieve your goal. Every time you set a goal – achieve it!


We are very excited for you to start your academic career at Montana State University! Orientation is your introduction to academic and non-academic life at Montana State University. All new students are required to attend an Orientation session.
*Students attending these sessions are required to stay on campus for the duration of Orientation.
All new students are required to attend an Orientation before they can register for classes, except for students registering for summer courses. Please see below for more information.
Parents are invited to participate in a separate but concurrent Parent Orientation program while their student independently completes their required Orientation program. These sessions are optional for paent and family members to attend, with more information available on the Parent & Family Orientation website.
All students attending a Freshman Summer Orientation Program (programs in June and July) are required to stay on campus. The Orientation Office will make arrangements for your housing for Monday and Tuesday evening. If you will be arriving early or staying late and need on-campus housing before Monday night or after Tuesday night, please make your reservations online through the on-campus housing website. Please remember that you only need to do this if you need housing before or after Orientation. The Orientation Office will take care of your reservations for Monday and Tuesday night during orientation.
Freshmen who will be starting school fall semester will need to register for one of the three summer Orientations (June or July) or the fall Orientation (August).
Students attending the June or July Orientation are required to stay on campus and pay a $150 non-refundable meals and lodging fee.
If you will be arriving early or staying late and need on-campus housing before Monday night or after Tuesday night, please make your reservations online through the on-campus housing website. Please remember that you only need to do this if you need housing before or after Orientation.
Students attending the August Orientation will move directly into their housing accommodations for the fall semester upon arrival to campus. There is no meal and lodging fee associated with this Orientation.
You will be able to register for Orientation online through your Admissions Checklist in early spring. In order to register, go to www.montana.edu/myinfo, then 'Log into MyInfo' with your Student ID number and password, then click on 'Undergraduate Admissions Checklist'.
Students are required to attend all Orientation meetings as directed by Student Orientation Leaders.
10:00pm Orientation Information Tables- A Place to Stop by and Ask Questions.
Academics 2: Registrar's Office Introduces You to the Tools You Need to Succeed!
10:00pm Orientation Information Tables: A place to stop by and ask questions.
5:30-7:00pm Welcome Picnic for all Students, Families & Friends: $10.00 for adults, $5.00 for children 12 and under.
Freshmen starting school in the spring semester will need to register for Orientation to be advised for spring semester classes. Information regarding spring Orientation will be sent to you in early November.
Freshmen that start school during a summer session will not need to attend an Orientation for summer school. Students will be mailed information on course registration. *Please note that freshmen taking summer courses will still need to register for an Orientation during June, July or August to register for fall courses.
If you have any questions, please feel free to contact the Orientation Office at (406) 994-2827, toll-free at (888) MSU-CATS or via email at orientation@montana.edu.


text:
How to build a better call centre
Imagine a call centre filled with happy staff who leave every customer satisfied. For some companies it's already reality.
Apr 11, 2012 Jeff Beer
"Cancel. The. Account."
In 2006, Vincent Ferrari called AOL to cancel his membership. It took him a very long and very strange 21 minutes to do it. In a surreal conversation with the customer service rep, Ferrari said the word "cancel" more than 20 times, and yet he was still spun in scripted circles. He was ignored, cajoled and pleaded with—the rep did almost everything, except actually fulfilling Ferrari's request."When I say, 'Cancel the account,' I don't mean, 'Figure out how to help me keep it,'" Ferrari said at one point, through gritted teeth. "I mean, 'Cancel the account.'"
Afterward, Ferrari did what any disgruntled consumer in the 21st century would do. He uploaded the whole conversation to the web. It quickly went viral, prompting stories in The New York Times and an appearance on the Today show. It was a PR disaster for AOL, mere months after the company paid a $1.25-million fine for violating an agreement with the Federal Trade Commission regarding—yes—properly processing subscriber cancellation requests.
For many consumers, it was a prime example of what it's like to deal with a call centre, reinforcing the stereotype of a sales or customer-service version of Henry Ford's assembly line: low-skilled cubicle cattle housed in giant Orwellian workrooms, with a script or a supervisor, turning the simplest request into a maddening ordeal. It can make life truly unpleasant for the half hour or so you have to deal with such a call centre. Now imagine if you were on the other end and it was your job.
There are more than half a million Canadians working in over 14,000 call centres across the country. They are often the first and only line of communication between a company and its customers. And yet studies have shown that they are often the least valued employees in the building. They often suffer from both mental and physical health problems at a higher rate than workers in other industries as a result of their working conditions, which include operating under hard-nosed management practices and getting yelled at all day by irate customers.
It's bad for the workers, but its arguably even worse for the companies that employ them, says Ron Burke, a professor at the Schulich School of Business. Unhappy, unhealthy employees increase human-resources costs—training a new employee costs more than $6,000, for example. And, as the AOL fiasco illustrated, they can do serious damage on the customer-service and branding fronts at a time when image and customer experience are becoming a great differentiator in the marketplace. "Too many companies are still focused on treating people in robotic ways, looking only at the bottom line," says Burke. "That's how you end up with all these problems, from health issues to high turnover. It's a cliché about how bad some call centres are, but plenty of companies still don't get it."
Over the past decade, a great deal has been written about how happy, engaged employees perform better, are more productive and stick around longer. At Google, perks such as free lunches and the 20% rule (where workers spend 20% of their time on personal passion projects) have helped it recruit and retain enough top talent for the company to become a global force in just 10 years. And it's not just tech giants—companies of all stripes have become more flexible, actively seeking to keep employees happy and engaged, whether through work-life balance initiatives or management strategies that encourage employee feedback, input and advancement. However, these ideas have barely trickled down to the call centre, where attrition rates can run as high as 75%. That will have to change. Companies that can't and won't recognize it are setting themselves up for a fall.
The modern call centre was arguably born in the 1970s, when automatic-call-distributor devices enabled companies to route incoming calls to a specific group of agents. By the late '90s, call centres had become the main point of contact for the customers of airlines, insurance companies, banks and telecoms. Countries such as India and the Philippines became popular destinations for companies looking for cheap phone labour. But it wasn't just overseas where call centres flourished. New Brunswick used its bilingual, educated workforce and robust telecom infrastructure, along with plenty of tax incentives, to become the call-centre capital of Canada. Nationally, annual growth of call centres outpaced overall economic expansion by more than four times from 1998 to 2006. During that time, call-centre revenues went from just over $424 million to almost $2.8 billion. To our south, more than five million Americans now work in contact or call centres.
Sales call centres may make money, but they also cost plenty in salary, training, benefits and operations. For many companies, the easiest way to find savings is to crack the whip. "If you're competing on cost, like the Walmarts or Kmarts of the U.S., what you care about is average speed of answer, hold times and holding your agents feet to the fire and getting customers off the phone as quickly as possible," says Kate Leggett, a senior business process analyst at research and advisory firm Forrester. "It's all about efficiency and productivity."
The traditional call centre may be efficient but, increasingly, companies are finding there are additional ways it can help a business and, consequently, the bottom line. Turns out, treating your employees like automatons will get you (and your customers) robots in return. Plenty of employers have recognized the economic benefit of a happier workforce, but it's an attitude largely reserved for the upper echelons. Companies successfully competing for not only customer service and experience, but also for the talent that provides it, recognize the direct correlation between happy employees and happy customers. According to studies by the Hay Group and Towers Watson, engaged employees are 43% more productive, and companies with the highest percentage of engaged employees, on average, increase operating margins 3.64% and net profit margins by 2.06%.
Some companies eschew the stigmatized version of the call centre by having many of their call-centre employees work from home. Telus has eight traditional call centres but also 1,000 agents in its at-home-agent program. And all of U.S. airline JetBlue's 1,800 reservation agents work from home. JetBlue spokesperson Allison Steinberg says, "Crew members are happier at home, which lends to friendlier people answering the phones, usually resulting in happier customers."
Online U.S. shoe retailer Zappos is often held as the standard bearer for superior customer service and employee culture. Founded in 1999, the company went from US$1.6 million in sales in 2000 to US$1 billion in 2008. In 2009, it was the highest-ranking newcomer in Fortune magazine's annual Best Companies to Work For list and later in the year was acquired by Amazon for more than US$1.2 billion.
Employee perks include free lunches, a library, nap room and paid health care. When Mullen, the company's advertising agency, went looking for ideas back in 2010, it found the answer in Zappos's call centre. The "Happy People Making People Happy" campaign featured audio from actual customer calls. "It's a very fun environment," says director of customer loyalty Rob Siefker. "I don't think you hear that word associated with [call] centres very often."
The 500 call-centre workers at Zappos's Las Vegas headquarters get seven weeks of training on company culture and how to make customers happy. Every new employee, from finance to merchandising, spends time on the phone so they know what it's like. After all that, new hires are offered $3,000 to quit (97% turn it down).
Siefker says that while time is an important metric, and the call centre does have efficiency goals, customer experience trumps all. The company record for the longest customer-service call is eight hours and 47 minutes. "It can't just be a metric-based call centre where you're just trying to squeeze every last ounce of work out of each employee," he says. "Some companies think it's too expensive, that it's a low-skill job and they don't see it as an invaluable part of their business. I just don't get it."
Another oft-awarded company in both customer service and employee satisfaction is WestJet. The airline's reputation has helped it expand significantly over the past decade, and a big part of that is how it values the more than 700 employees in its four call centres. "They are the CEO of a guest's experience," says Stephen Platt, WestJet's director of call centres and guest experience. "We talk about performance and productivity, but we rarely talk about those things in isolation. Certainly, how many calls you get through is part of it, but at the end of the day it's about the experience you provided while doing that."
All this may sound like plain common sense or corporate Pollyannaism, but it's harder than it looks. Platt says that it's easier for WestJet to maintain its culture because it's been part of the relatively young company since it was founded in 1996. "It's much more difficult to change an existing environment," he says.
George Currie has worked in both sales and IT customer service at Rogers Communications (which owns Canadian Business) for more than 11 years. "Every day I knew there were going to be at least a couple people who would call up and yell at me that day," he says. "It's not personal. You just happen to be the one they're taking their frustration out on. It can become a personal attack verbally, but you have to realize they're just upset at Rogers and the problem, and you try to spin that into the most sincere apology and promise to do anything you can to assist them."
Currie now works in sales at a new, small-scale experimental call centre Rogers set up in Kitchener, Ont. Two years ago, the company established the call centre to test not only new sales techniques but also management strategy—things like emphasizing team results in compensation and measurement over the traditional individual approach that often breeds an overly competitive and stressful boiler room atmosphere. The results have been strong sales numbers and almost zero attrition, while the centre has grown from a staff of 30 to almost 70.
Last year, the company surveyed a portion of its call-centre staff on health and wellness with the help of Scienta Health and found many suffered from headaches, obesity and other preventable problems. Because of the unrelenting pressure to process more calls, employees were cutting down on water consumption (and hence, bathroom breaks), and stress and lack of time were leading to unhealthy food choices.
As a result, the company launched an initiative at the centre with Scienta that offered advice, healthy food and online health-monitoring tools like pedometers, as well as team health challenges, to help encourage a change. The reception was so encouraging that soon it was rolled out to a larger call centre in Ottawa. After a year, senior vice-president Paul Nielsen says it's had an incredible effect on employee health, job satisfaction and performance. "Our sales performance has gone up incredibly, and while that's due to a number of factors, this certainly was a major contributor," he says. The program is now being considered for all of Rogers' 6,000 customer-service employees.
In the U.S., where the cost of medical insurance is a major expense for employers, large companies are also seeing the bottom-line benefits of investment in employees' health and well-being. In researching for his upcoming book on fulfilling work, Schulich's Burke found that Johnson & Johnson saw at least a $4 return on every dollar it spent on employee wellness initiatives in terms of lower health-care costs, less absenteeism and higher productivity. "Financially, it just makes great sense," says Burke. "There's also the halo affect of becoming an employer of choice."
Another way progressive employers are making life easier for their call-centre workers is by investing in technology that can improve the experience of both the call-centre worker and the consumer. Donna Fluss, president of DMG Consulting, says that the best way to keep costs down in a people-heavy organization like a call centre is through effective use of workforce technology software, which can help quickly identify a customer's needs and deliver the call to the right agent. Some programs use speech analytics to capture phone conversations, converting them into data that can be used to create more accurate profiles of both customers and agents. "Obviously you have to pay attention to productivity, but if used properly, you can find that balance with better-quality conversations and more satisfied staff," says Fluss. "As organizations increasingly understand how critical a role the initial customer experience [through a call centre] plays in retention, they're starting to rethink some of the ways their using their contact centres."
As with any corporate culture shift, uplifting the overall quality of the call-centre experience will take time. The average MBA program has 20 or so courses, and perhaps two or three broach the subject. "You've got statistics, accounting, management science, operational research, but you're not talking about humans," says Burke.
For companies pondering just how to invest in a call centre and its employees, Zappos's Siefker says they just have to answer one question. "What kind of relationship do I want with my customer?"
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Following up my EPR comments, I post this to show that my opinions are not much different from respected experts on the subject.
There may indeed be "peaceful coexistence" between Quantum nonlocality and Relativistic locality, but it may have less to do with signaling than with the ontology of the quantum state. Heisenberg's view of the mode of reality of the quantum state was briefly mentioned in Section 2 - that it is potentiality as contrasted with actuality. This distinction is successful in making a number of features of quantum mechanics intuitively plausible - indefiniteness of properties, complementarity, indeterminacy of measurement outcomes, and objective probability. But now something can be added, at least as a conjecture: that the domain governed by Relativistic locality is the domain of actuality, while potentialities have careers in space-time (if that word is appropriate) which modify and even violate the restrictions that space-time structure imposes upon actual events. The peculiar kind of causality exhibited when measurements at stations with space-like separation are correlated is a symptom of the slipperiness of the space-time behavior of potentialities. This is the point of view tentatively espoused by the present writer, but admittedly without full understanding. What is crucially missing is a rational account of the relation between potentialities and actualities - just how the wave function probabilistically controls the occurrence of outcomes. In other words, a real understanding of the position tentatively espoused depends upon a solution to another great problem in the foundations of quantum mechanics - the problem of reduction of the wave packet.
What he is trying to say is that Heisenberg's quantum states represent potential measurements, not actual reality. There are apparent nonlocalities in the potentialities, but that is just in our minds. It does not violate relativistic causality, because that is about actual reality. There is no nonlocality in actual reality.
He still wants to believe in some sort of spookiness, but this shows that there is no proof of nonlocality in actual reality.