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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>home interior idea</title> <atom:link href="http://doterosperu.eu.org/feed/" rel="self" type="application/rss+xml" /> <link>https://doterosperu.eu.org</link> <description></description> <lastBuildDate>Fri, 05 Jan 2024 01:58:19 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Top Technology Trends in Insurance Domain</title> <link>https://doterosperu.eu.org/top-technology-trends-in-insurance-domain/</link> <comments>https://doterosperu.eu.org/top-technology-trends-in-insurance-domain/#comments</comments> <pubDate>Thu, 06 Apr 2023 12:58:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://doterosperu.eu.org/?p=32</guid> <description><![CDATA[Technology is evolving fast and many insurance organizations are challenged to keep up the pace. The top priority of an insurance company today is profitable & sustainable growth and to enable this, leading insurance carriers are taking all possible measures to deploy innovative practices & latest technology for improving the business processes and streamlining legacy [...]]]></description> <content:encoded><![CDATA[<p>Technology is evolving fast and many insurance organizations are challenged to keep up the pace. The top priority of an insurance company today is profitable & sustainable growth and to enable this, leading insurance carriers are taking all possible measures to deploy innovative practices & latest technology for improving the business processes and streamlining legacy applications.</p><p>“Digital Natives” is and will continue to dominate the workplace, which has huge implications for agents and brokers looking to engage with customers and grow their businesses. As the millennial generation matures and enters its peak, buying power, digital and more-automated ways of doing business will become a fundamental part of day-to-day workflows.</p><p>From the rise of mobile users and cloud-based technology to social media interaction, a Deloitte study on 2016 tech trends for insurance agents explains that insurance agents are finally realizing the need to be more nimble, efficient and accessible to serve today’s customer.</p><p>To add to this, there is a challenging regulatory environment that continues to add more regulation to streamline the insurance sector. A recent Deloitte report outlines that such regulations are no longer one between state and federal entities, but a hybrid of U.S. and state government regulation of insurance entities to ensure efficiency and adherence to state and federal standard procedures.</p><p>As a result, insurance agents not only feel pressured to digitize their workflow, but also must streamline business processes to make the cost of doing business more efficient and in-line with these regulations.</p><p>While 63% of insurance businesses report that they are ready to move towards more digital practices, only 23% of these businesses are ready, reports a joint Forrester and Accenture study.</p><p>To accelerate this process and ensure successful transition to digital workflows, there are a few key trends insurers are and should be embracing.</p><p>Modernizing legacy systems for operational efficiencies – With operations spread across geographies, spanning over decades, insurance companies are inhibited with legacy systems, outdated technologies resulting in high maintenance costs. The proliferation of modern technologies like mobile and cloud computing has changed the way organizations do business. Rather than being left behind, it’s time for insurance companies to embrace the latest technologies, and modernize their legacy platforms for operational efficiencies while considering the flexibility of consumers.</p><p>Embracing a cloud-based and on-premise infrastructure – IT teams in the insurance sector struggled with what information is allowed by regulators to be stored on cloud vs. on-premise. Many insurance entities are running off 40-year old administration technology designed to manage the claims process, says a recent TrustMarque report, which is hindering innovation. Also, insurance agents are far from instantaneously replacing such mainframe technology.</p><p>As the insurance sector adopts a more streamlined workflow, we can expect a significant increase in the use of technology that can be operated via hybrid cloud and on-premise, ensuring ultimate flexibility for customers and clients and strong adherence to the ever-changing government regulations within the insurance environment.</p><p>Artificial Intelligence – Artificial Intelligence (AI) is helping insurance companies develop systems that can perform tasks that previously required human intelligence and manual processing. With the advent of AI in the insurance industry, insurance agents can now count on sophisticated systems for precision, efficiency, and flawless automation of existing customer-facing, underwriting and claims processes. In coming days, Artificial Intelligence will be more disruptive and will be used to identify and assess emerging risks.</p><p>Blockchain – The insurance sector is also focusing on Blockchain technology to empower the future. Through its distributed ledger, smart contracts and non-repudiation capabilities it can act as a shared infrastructure that can transform multiple processes across the insurance value chain. Not only will it simplify paper work and improve auditability, besides helping the insurance industry to cut expenses significantly. It will also reduce fraud related instances of valuables. Some major life insurance players have already taken steps to experiment with blockchain-based solutions across the value chain. John Hancock, for example, is evaluating a proof of concept for employee rewards.</p><p>Predictive Analytics with Machine Learning (ML) – Using predictive analytics with ML, the insurance companies can unleash the power of intelligence, to process complex data source variables into relevant data for actionable insights. This would help them predict what could happen next and what the best decision should be. As far as the insurance industry is concerned, predictive consulting is offered to customers to facilitate 24-hour customer service.</p><p>Heavy reliance on IoT and Big Data – The insurance sector is a data-driven industry that generates countless data- both structured and unstructured. Thus, insurance companies are counting on Internet of Things to accumulate more and more data pertaining to the behavior of their customers.</p><p>Big data analytics help insurers take crucial decisions based on the analysis of the accumulated data. For example, data accumulated from wearable health devices enable insurers to monitor the activity of the customers to offer discounts for the customers’ healthy activities.</p><p>Going mobile to offer on-the-go services – With increasing usage of smartphones in both developed and emerging economies, the insurance industry is steadily implementing mobility as part of their business strategy. Through the mobile apps, customers can easily request a policy quote, locate an insurance agent, calculate premium or retirement income, and store the policy data. Insurers just cannot ignore the benefits that the mobile applications offer in building the brand. With the growing internet consumption via mobiles, customers can be engaged through social networking and different other modes of communications.</p><p>Offering innovative and personalized services through digital touch points – The customers in the insurance industry are driven by various policies and their premiums, and the attrition rate is high as they have several options to choose from. To retain their customers and build deep customer relationships, the insurance companies are investing in customer engagement activities using various digital touchpoints say the web, mobile, social media, email, etc. For example, insurers are helping customers to develop and protect their assets like homes, vehicles, wealth, and health, usually by partnering with other service providers. Such digital services are provided through devising a digital strategy.</p><p>Automating regulatory compliance requirements – Since Insurance is a highly regulated industry, insurance carriers must incorporate regulatory compliance into their business processes. Also, they need to rapidly keep up their processes in compliance with the new regulations as and when enacted. Automating regulatory compliance helps insurance carriers with an immediate access to information while ensuring that the processes are followed consistently, minimizing the risk of non-compliance. Automation also provides needed information for the reports and documentation about a specific task performed. Modern systems make the regulatory automation easy while allowing for the change in the regulatory compliance, over the legacy systems.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://doterosperu.eu.org/top-technology-trends-in-insurance-domain/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Obtain an Insurance Broker</title> <link>https://doterosperu.eu.org/how-to-obtain-an-insurance-broker/</link> <comments>https://doterosperu.eu.org/how-to-obtain-an-insurance-broker/#comments</comments> <pubDate>Thu, 06 Apr 2023 12:58:27 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://doterosperu.eu.org/?p=30</guid> <description><![CDATA[What is company insurance & What are its functions and benefits? A company insurance may be defined as a kind of coverage which can be utilized by big agencies to cover up various operational dangers together with robbery, financial losses, personnel’ health blessings and injuries. Such an insurance plan is also known as commercial enterprise [...]]]></description> <content:encoded><![CDATA[<p>What is company insurance & What are its functions and benefits?</p><p>A company insurance may be defined as a kind of coverage which can be utilized by big agencies to cover up various operational dangers together with robbery, financial losses, personnel’ health blessings and injuries.</p><p>Such an insurance plan is also known as commercial enterprise coverage and it is of superb gain for the officials who’re concerned or had been involved with the organization and obviously, for the enterprise itself. in this regard, it must be mentioned that the protection has certain limits.</p><p>The officers of the employer are held accountable for any nonpublic moves so that it will no longer be included by way of this insurance.kinds of corporate Insurance</p><p>Types of Corporate Insurance</p><p>Corporate coverage is a provision through which businesses can cowl their losses. here is a list of the types of company insurance to be had inside the marketplace; one ought to certainly have at the least this type of on the way to financially defend an organization and for keeping the enterprise walking swiftly.</p><p>1. Property Coverage: In case the assets of a company get broken by way of incidents which includes natural calamity, hearth, workers unrest, vandalism etc., assets insurance can assist cowl the losses. a few insurance plans cover all forms of incidents with an exception of only a few ones below their All-chance guidelines. on the other hand, there’s any other type of assets insurance this is referred to as peril-specific rules which provide monetary cowl best for the one’s losses that are indexed within the policy.</p><p>2. Expert Legal Responsibility Insurance: This form of insurance is also referred to as mistakes and Omission insurance (E&O) insurance and protects the enterprise from all types of negligence claims and sure mistakes. It differs from one industry to some other and is addressed via an industry-precise custom designed policy.<br />3. This form of corporate insurance is obligatory for any organization that offers with accounting, finance, consulting, healthcare, law, and insurance.</p><p>4. People’ Compensation Coverage: A business enterprise should upload workers’ compensation coverage in its insurance listing the moment its first employee is employed. It covers the medical remedy costs of the worker and affords compensation in case of death or disability of the employee at the same time as he/she is operating for the company.</p><p>5. Group Medical Health Insurance: One of the maximum important corporate insurance, organization medical insurance offers healthcare benefits to a collection of people, i.e. the personnel of a corporation. commonly, this coverage plan is uniform in nature and offers the identical benefits to all the individuals of the group. What’s extra, group medical health insurance enables in availing full-size tax benefits.</p><p>6. Product Legal Responsibility Insurance: when you have a commercial enterprise which manufactures products for mass consumption inside the fashionable marketplace, then you definitely should actually have Product legal responsibility coverage. although the producer is certain that the products are flawless and safe, you ever recognize if the product will become causing harm to a person. hence, the satisfactory option to protect a manufacturing business is with the help of this unique type of corporate insurance.</p><p>7. Commercial Enterprise Interruption Coverage: There are in all likelihood to be incidents while certain activities and occurrences can interrupt the regular path of your commercial enterprise. This insurance will assist cowl up the losses one faces in this interruption period. business Interruption coverage is the high-quality for a retail shop or for the form of enterprise wherein one needs a physical endpoint to get in contact with the clients.</p><p>As a result, there are numerous styles of company insurance that could help you at some stage in the path of your commercial enterprise and can assure full economic protection of the equal.</p><p>Features of Corporate Insurance</p><p>Although there are a couple of forms of business coverage and everyone has its own gain and blessings. but, there are positive common functions which all of these company coverage plans share. those are listed beneath.</p><p>Corporate coverage offers you the absolute lawsuit safety, regardless of the truth that there is something incorrect completed at the enterprise’s/professional’s behalf. Even after being accidentally negligent, with the assist of an insurance coverage, one shall be able to cover the losses and their enterprise can be properly-defended.<br />In some instances, the insurance organization appoints a lawyer to defend the business towards the claims.<br />The institution health insurance of the company may even act as a financial remedy to the employees in an effort to cowl any of the physical losses that they face including serious health issues or even loss of life.<br />Having your commercial enterprise completely insured isn’t the simplest important but is also a smart choice. each form of business, whether or not massive or small, need to definitely have positive sorts of insurance to cowl any extraordinary legal repercussions.</p><p>Benefits of Corporate Insurance</p><p>Benefits of corporate Insurance After analyzing the sorts and features of corporate insurance, it’s miles very plenty understood that it’s far one of the critical elements of an enterprise inside the direction of avoiding any hassle or loss. The advantages of commercial enterprise plans are as follows.</p><p>A corporate coverage facilitates hold the business jogging inside the face of a fiasco. it can shield your organization from lack of earnings caused because of severe failures.<br />Your commercial enterprise appears more credible when it’s miles included by means of insurance. personnel carries out higher after they recognize that there are provisions for his or her monetary safety if they’re not able to hold on their obligations. thus, you can entice and maintain your employees with the assist of group health insurance.<br />In case you are looking forward to having an enterprise settlement with a customer, the first component that your consumer will be aware of is whether or not your commercial enterprise is insured or not. some customers even specify that they may paintings with handiest those agencies that have their company nicely insured.<br />There’s additionally a provision of protection of your homes in opposition to the “Acts of God” consisting of Hurricanes, tornadoes, earthquakes, and floods. The property and office shall be included in opposition to the losses incurred all through this direction of time. On account that personnel is the actual property of your business, it’s far them who hold your business strolling and flourishing. therefore, it’s miles your responsibility to ensure their safety.<br />Normal health-care centers, checkups, and reimbursement in case of incapacity or demise will make them rely on the business enterprise. This manner the organization too shall be able to maintain the first-class talents.<br />There are possibilities of robbery in any new enterprise. so as to guard the fixtures, computer systems, and many others. from robbery, those coverage plans are a must.</p><p>Therefore, a company coverage is a should for any organization planning to achieve extremely good desires in the future. To protect the interests of the employer and employees, employers must get the right insurance plans at the earliest.</p><p>if you are looking for a Corporate Insurance in Calgary [https://wescaninsurance.ca/], go to our internet site and we can tailor your health insurance in keeping with your budget.</p>]]></content:encoded> <wfw:commentRss>https://doterosperu.eu.org/how-to-obtain-an-insurance-broker/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Tips, Tricks, And Advice On Auto Insurance</title> <link>https://doterosperu.eu.org/tips-tricks-and-advice-on-auto-insurance/</link> <comments>https://doterosperu.eu.org/tips-tricks-and-advice-on-auto-insurance/#comments</comments> <pubDate>Thu, 06 Apr 2023 12:58:16 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://doterosperu.eu.org/?p=22</guid> <description><![CDATA[Don’t put yourself at risk of the financial burden by not having auto insurance for yourself or your teen drivers! Having auto insurance protects you and helps offset costs, should you be in a car accident. Use the following tips to pick the right auto insurance company to fit you or your teen driver’s needs. [...]]]></description> <content:encoded><![CDATA[<p>Don’t put yourself at risk of the financial burden by not having auto insurance for yourself or your teen drivers! Having auto insurance protects you and helps offset costs, should you be in a car accident. Use the following tips to pick the right auto insurance company to fit you or your teen driver’s needs.</p><p>As you choose car insurance, be sure to properly protect yourself when it comes to liability for property damage and bodily injury. The right amount of coverage in this area can make a big difference in the event of an accident. Not having enough coverage can leave you with a lawsuit that can be hard to recover from.</p><p>When insuring a teenage driver, lower your car insurance costs by asking about all the eligible discounts. Insurance companies generally have a discount for good students, teenage drivers with good driving records, and teenage drivers who have taken a defensive driving course. Discounts are also available if your teenager is only an occasional driver.</p><p>When considering insurance for a young driver, it is wise to not purchase an expensive car. Rates are high enough for teenagers, they will skyrocket depending on the type and worth of a car. In this situation, safety is one of the highest factors affecting insurance costs.</p><p>One of the best ways to drop your auto insurance rates is to show the insurance company that you are a safe, reliable driver. To do this, you should think about attending a safe-driving course. These courses are affordable, quick, and you could end up saving thousands of dollars over the life of your insurance policy.</p><p>When shopping for an auto insurance policy, most companies are going to offer extras like towing, road-side assistance, GPS services, and other add-ons. These may come in handy if you’re ever in a pinch, but they can be really expensive. Say no to these extras in order to save money on your insurance.</p><p>There are a lot of factors that determine the cost of your automobile insurance. Your age, sex, marital status and location all play a factor. While you can’t change most of those, and few people would move or get married to save money on car insurance, you can control the type of car you drive, which also plays a role. Choose cars with lots of safety options and anti-theft systems in place.</p><p>Check into how much you would save by using the same insurer for both your home and your car. Some companies offer a discount if you have multiple policies with them. The majority of companies today do insure a variety of items, so it is a good idea to look into the possibility.</p><p>To make sure you’re getting fair pricing in your premiums, verify that your reported information is accurate in your policy. For example, ensure that the make/model of your vehicle is correct, the number of miles on the vehicle when you took out the policy, etc. Even your reported commuting distance is important as shorter commuting distances can have a positive effect on your premium savings.</p><p>You will want to make sure to contact your insurance company if you get a divorce and no longer want your ex to be on your policy. If they get into an accident while they are on your insurance policy, it could cause your rates to go up, and you will have to pay for their mistake for the rest of the time you have a policy with that company.</p><p>When you purchase a new car, you should keep your insurance rates in mind and look for the best safety features you can get. Safer cars are cheaper to insure. Because insurance companies are responsible for medical liability, they will charge a lower premium for safe cars that minimize injuries in an accident.</p><p>Know the laws in your state concerning auto insurance. In almost every state, car insurance is compulsory. You can face stiff fines and penalties for not carrying adequate car insurance. Some states are even known to jail repeat no-insurance violators. Educating yourself is important so that you can comply with the laws.</p><p>When trying to decide on an insurance company for your auto insurance, you should check into the department of insurance from your state. You will find some valuable information there which will include closed insurance cases, important financial data as well as licensing information. This research will help you decide if you feel comfortable trusting this insurance company.</p><p>Pay for your auto insurance coverage in one payment up front. When you pay in full you will not be charged interest charges as you would if you were paying monthly. This means some companies also offer you a discount if your coverage is paid for ahead of time. Monthly payments can be convenient, but they may not be as affordable as you would like.</p><p>If you live in an urban area or an area where there are many wild animals, you may want to consider animal collision on your insurance. Repairing a car after you have hit an animal, especially a large one, can cost you thousands of dollars. Animal collision covers all of these costs.</p><p>A big part of setting the cost for your auto insurance premiums has to do with the type of car that you drive. Remember that when you are in the market for a new car – cars that are more expensive to repair, for example, will often result in higher insurance rates.</p><p>Ensure that your car insurance plan pays up front for car rentals. Drivers whose policies do not include rental coverage may wish to secure additional insurance for this purpose. The extra policy can be as much as $20 per day. If your car requires major repairs, you could be paying for quite a while.</p><p>Don’t allow your teen or yourself to drive without auto insurance. Car accidents and car repairs can be incredibly expensive. Having auto insurance before something happens is important so you can protect you and your family from a financial struggle! Use the tips above to get auto insurance today!</p>]]></content:encoded> <wfw:commentRss>https://doterosperu.eu.org/tips-tricks-and-advice-on-auto-insurance/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Car Insurance Claim Procedure</title> <link>https://doterosperu.eu.org/car-insurance-claim-procedure/</link> <comments>https://doterosperu.eu.org/car-insurance-claim-procedure/#comments</comments> <pubDate>Thu, 06 Apr 2023 12:58:07 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://doterosperu.eu.org/?p=23</guid> <description><![CDATA[Motor Vehicle Insurance is compulsory in India under Motor Vehicle Act 1988. Motor vehicle insurance is the insurance coverage of the risk of third party arising out the use of motor vehicle and also for covering the risk of damage caused to the vehicle. Indian people neither concern about Life Insurance Plan nor Medical Insurance [...]]]></description> <content:encoded><![CDATA[<p>Motor Vehicle Insurance is compulsory in India under Motor Vehicle Act 1988. Motor vehicle insurance is the insurance coverage of the risk of third party arising out the use of motor vehicle and also for covering the risk of damage caused to the vehicle. Indian people neither concern about Life Insurance Plan nor Medical Insurance plan but they are more concern on Motor Vehicle Insurance either they are driving a Scooter or a Bike or a Car or a Truck. It is mandatory otherwise if anyone injured without insurance vehicle, it will treated like a Crime.</p><p>Now days everyone have their own vehicle, roads are jam pack with vehicles, the risk is high so as a result, motor insurance companies are growing day by day and claims have also gone up. But many a time, the policyholders do not know exactly what they can do to get their Car Insurance Claim Procedure.</p><p>Here we are explaining the procedure how to claim on your car insurance policy. This will help you a lot.</p><p>How to claim on your Car Insurance Claim</p><p>We will understand this procedure in some scenario step by step so it will be very easy for us.</p><p>Claims for own-damage: If your car met with an accident, you should follow these steps to claim for damages:</p><p>Inform the insurance service provider – First and foremost you should inform to the insurer at the earliest and you have to submit a duly filled in claim form along with the required documents to the insurance company before you send the car to the garage for any repairs. The forms are available on insurance service provider’s websites. Most insurers follow strict guidelines and its mentioned in the policy documentation.<br />Lodge FIR – In some cases, First Information Report (FIR) is required so lodge FIR to the nearest police station for the safer side. Although it may not be mandatory for claim settlements but it is advisable to lodge an FIR. It depends on the condition.<br />Assess the damage – Once you inform to insurance service provider, they will appoint a surveyor who will assess / evaluate the damage of your vehicle. He will prepare a report and pass it on to the insurance company. You will also receive a copy and then you can move your car to the nearest network garage for repair.Note: If the damage is severe then surveyor will reach the spot of the accident at the earliest for survey.<br />Claim settlement – As soon as insurance company receives survey report, they will analyze the claim request and sends an approval to the garage. The garage will have to provide an estimated cost for the vehicle repair and timelines for the same. The insurer will be in touch with the network garage for an overall view of the extent of damage and the way in which the repair work is proceeding.<br />After the work is completed, you will have to take the duly signed bills and documents from the garage and submit them to surveyor. Surveyor will send it to the insurance company.<br />If all the documents are completed, the insurance provider will reimburse your bills. Keep in mind that there will be some compulsory deductible and variable deductible components, as stated in the policy document. Once your claim settled and your car is OK then you can drive again.</p><p>Car insurance claim process for a third party claim: -If you are responsible for an accident where a third-party suffers injuries or damage to property, here is what you need to do:</p><p>Inform to insurance service provider – First and foremost you should inform to your service provider at the earliest. Also remember not to make any financial commitments to third party.<br />Lodge FIR – Lodge FIR at the nearest police station and keep a copy of the FIR for future reference as well.<br />Share policy document – You should mandatorily share a copy of your car insurance policy with the third-party, so that they can raise a claim on it.<br />Claim at Motor Tribunal – According to the Motor Vehicles Act 1988, third-party liability claims are raised at the Motor Accident Claims Tribunal (MACT). The claim can be raised by the third-party at the tribunal closest to his/her residence or yours.<br />After receiving all the documents, the insurance service provider will verify the documents and assess the accident and if found satisfactory, you will get a lawyer appointed by them.<br />If the court directs you to pay the damages to the third party thereafter, the insurance service company will directly pay the dues to the third party.</p><p>It is advisable to see if the situation can be settled amicably outside the tribunal.</p><p>Claims for theft: If you find that your car has been stolen then follow the below procedure.</p><p>Lodge FIR – Lodge FIR at the nearest police station and keep a copy of the FIR for future reference as well.<br />Inform to insurance service provider – You should inform to your service provider at the earliest with a copy of FIR<br />Once you receive the final report from police station, make a copy of it and submit it to your insurance company. The insurance company will assign an investigator. Investigator will make the report and submit to insurance company. Once that is done, submit the RC book of your stolen car to the insurance company.<br />Submit the duplicate keys of the car and also a subrogation letter. You will also need to submit a notarized indemnity on a stamp paper also.<br />Once all the formalities are completed, the insurance company will disburse the claim.<br />It is very important for us to know about the formalities of car insurance claim procedure otherwise many people are paying from their pocket due to lack of these information. Now days the entire insurance service provider’s having a very good customer support network and their teams are skilled and co-operative also so you must communicate with your insurer whenever you need it.<br />I wish that you don’t need these procedures. I wish you will have a Safe Drive, someone is waiting for you.</p><p>Looking contents for website or blog of insurance niche? or want to promote website or blog to increase sales 50 to 100 times, feel free to contact RS Seo Services Solution.</p>]]></content:encoded> <wfw:commentRss>https://doterosperu.eu.org/car-insurance-claim-procedure/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Insurance for Your Business</title> <link>https://doterosperu.eu.org/insurance-for-your-business/</link> <comments>https://doterosperu.eu.org/insurance-for-your-business/#comments</comments> <pubDate>Thu, 06 Apr 2023 12:57:57 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://doterosperu.eu.org/?p=24</guid> <description><![CDATA[The importance of insurance cannot be over-emphasized and neither can the danger of paying for insurance you don’t need. It is strongly recommended you solicit the advice of an in-dependent business insurance agent. Don’t forget to SHOP! Talk to three or four independent agents and compare notes and prices. An insurance agent will lay out [...]]]></description> <content:encoded><![CDATA[<p>The importance of insurance cannot be over-emphasized and neither can the danger of paying for insurance you don’t need. It is strongly recommended you solicit the advice of an in-dependent business insurance agent. Don’t forget to SHOP! Talk to three or four independent agents and compare notes and prices. An insurance agent will lay out a vast array of insurance coverage much of which you simply may not need. Your situation will be unique and you must consider each insurance element carefully to ensure comprehensive coverage.</p><p>Whatever your final insurance program looks like, you should review it at least every six months. Your business can change rapidly, especially in the first few years and insurance needs change with it. Keep your program up to date by calling in your agent and reviewing your coverage. Make changes where necessary.</p><p>LIABILITY INSURANCE</p><p>This is probably the most important element of your insurance program. Liability insurance provides protection from potential<br />losses resulting from injury or damage to others or their property. Just recall some of the big cash awards you have read about that have resulted from lawsuits concerning liability of one kind or another and you will understand the importance of this insurance. Your insurance agent can describe the various types of liability insurance coverage that are available. If you will end up with a comprehensive general policy, make certain that the general policy does not include items you don’t need. Pay for only the insurance you need. For example, your business may not need product liability insurance.</p><p>Do not confuse business liability coverage with your personal liability coverage, both of which you need. Your personal coverage will not cover a business-generated liability. Check to be certain.</p><p>Compare the costs of different levels of coverage. In some cases a $2 million policy costs only slightly more than a $1 million policy. This economy of scale is true with most forms of insurance coverage. That is, after a certain value, additional insurance becomes very economical.</p><p>KEY PERSON INSURANCE</p><p>This type of insurance is particularly important for the sole proprietorship or partnership where the loss of one person through illness, accident, or death may render the business inoperative or severely limit its operations. This insurance, although not inexpensive, can provide protection for this situation. Key person insurance might also be necessary for others involved in your business.</p><p>SGC was a small firm run by three partners, a software programmer, marketer, and a general manager. Their product was a complex computer program used by aerospace firms. Al, the programmer, was involved in a severe automobile accident, became totally disabled, and SGC lost their programming capability. The problem was that the computer program written by Al was essentially the company’s sole product. Modifications to accommodate the customer became impossible and the time to bring another programmer up to speed was excessive. SGC lost considerable business as a result of this situation. These losses could have been offset by key person insurance.</p><p>DISABILITY INSURANCE</p><p>You, as a business owner, should be covered by disability insurance whether or not you decide on key person insurance. This insurance, along with business-interruption insurance, described below, will help ensure your business will continue to operate in the unfortunate situation where you are unable to work. Your disability insurance policy needs to provide satisfactory coverage. Particular attention should be paid to the definition of “disability,” delay time until payments start, when coverage terminates, and adjustments for inflation.</p><p>FIRE INSURANCE</p><p>Fire insurance, like all insurance is complicated and you should understand what IS and IS NOT covered. For example, a typical fire insurance policy covers the loss of contents but does not cover your losses from the fact that you may be out of business for 2-months while your facility is rebuilt. Fire insurance is mandatory whether you’re working out of a home office or you have a separate facility. You should discuss a comprehensive policy with your agent. Take the time to understand the details. For example, will the contents be insured for their replacement value or for actual value at the time of loss?</p><p>Consider a co-insurance clause that will reduce the policy cost considerably. This means that the insurance carrier will require you to carry insurance equal to some percentage of the value of your property. (Usually around 85%.) With this type of clause it is very important that you review coverage frequently so you always meet the minimum percentage required. If this minimum is not met, a loss will not be paid no matter what its value.</p><p>If you are working out of your home, your existing homeowner’s policy may not cover business property. If this is the case, have your insurance agent to add a home-office rider to your policy.</p><p>AUTOMOBILE INSURANCE</p><p>You probably already have automobile insurance but it might not include business use of your vehicle. Make sure that it does.</p><p>WORKER’S COMPENSATION INSURANCE</p><p>If you make the decision to hire employees, you will be required, in most states, to cover them under worker’s compensation. The cost of this insurance varies widely and depends on the kind of work being performed and your accident history. It is important that you properly classify your employees to secure the lowest insurance rates. Work closely with your insurance agent.</p><p>BUSINESS INTERRUPTION INSURANCE</p><p>This protects against loss of revenue as the result of property damage. This insurance would be used, for instance, if you could not operate your business during the time repairs were being made as a result of a fire or in the event of the loss of a key supplier. The coverage can pay for salaries, taxes, and lost profits.</p><p>CREDIT INSURANCE</p><p>This will pay for unusual losses as the result of nonpayment of accounts receivables above a certain threshold. As with all policies, you must thoroughly understand the details so discuss it with your insurance agent. One of the largest providers of this coverage is American Credit Indemnity, Baltimore, MD. (800) 879 1224.</p><p>BURGLARY/ROBBERY/THEFT INSURANCE</p><p>Comprehensive policies are available that protect against loss from these perils, including by your own employees. Make certain you understand what is excluded from coverage.</p><p>RENT INSURANCE</p><p>This policy covers the cost of rent for other facilities in the event your property becomes damaged to the extent that operations cannot continue in your normal location.</p><p>DISABILITY INSURANCE</p><p>This insurance will pay you an amount each month slightly less than your current salary in the event you become disabled and are unable to work. Cost for this coverage varies considerably depending on your profession, salary level, how quickly benefits start, and when they end. Benefits paid are tax-free only if you, not your company, pay the premiums.</p><p>This list could be continued since it is possible to purchase insurance for just about any peril you can imagine … if you can pay the premium! When considering your insurance coverage, use the following checklist:</p><p>INSURANCE COVERAGE CHECKLIST:</p><p>o Can you afford the loss?</p><p>o What coverage is required by Federal, state, or local law?</p><p>o What SPECIFIC items are covered by the policy?</p><p>o Are items to be insured for their replacement cost or original value?</p><p>o What SPECIFIC items are EXCLUDED by the policy?</p><p>o If there is a co-insurance clause, do you have adequate coverage?</p><p>o Have you chosen deductibles wisely in order to minimize costs?</p><p>o Do any of the policies you are considering duplicate or overlap one another?</p><p>o Do you need any insurance based on location, e.g., flood, earthquake?</p><p>Use the following checklist to review your insurance plans:</p><p>INSURANCE PLAN CHECKLIST:</p><p>o Employ an independent insurance agent rather than going to individual insurance companies. Ensure the agent shops for your insurance.</p><p>o Talk to and get quotations from at least THREE agents and pick the best one for you.</p><p>o Use money saving comprehensive policies, if possible.</p><p>o Perform periodic (every 6-months) reviews of your insurance program.</p><p>o Have business assets professionally appraised to determine coverage needs.</p><p>o Ensure existing personal insurance coverage includes business-related activities and add riders as necessary or obtain additional coverage.</p>]]></content:encoded> <wfw:commentRss>https://doterosperu.eu.org/insurance-for-your-business/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Is Buying Business Insurance the New Texas Holdem Poker?</title> <link>https://doterosperu.eu.org/is-buying-business-insurance-the-new-texas-holdem-poker/</link> <comments>https://doterosperu.eu.org/is-buying-business-insurance-the-new-texas-holdem-poker/#comments</comments> <pubDate>Thu, 06 Apr 2023 12:57:47 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://doterosperu.eu.org/?p=25</guid> <description><![CDATA[If you’re looking to buy Business Insurance you’ll have a certain level of power over a number of insurance brokers, insurance companies and insurance providers all wanting to do business with you. With this in mind we’ll put you in the position of the dealer in our game of Business Insurance Poker so you can [...]]]></description> <content:encoded><![CDATA[<p>If you’re looking to buy Business Insurance you’ll have a certain level of power over a number of insurance brokers, insurance companies and insurance providers all wanting to do business with you.</p><p>With this in mind we’ll put you in the position of the dealer in our game of Business Insurance Poker so you can watch the game develop. Are you sitting comfortably? Then let’s begin:</p><p>If you already have Business Insurance we’ll give your existing insurance provider the dealer button as they really have the best seat at the table. They’ve already built some kind of relationship with you and they can sit back and wait to see what the competition does before they decide to act.</p><p>So next is the small blind. The small blind has an interest in your business as they’ve put in some of their own money in the hope they can win your business. You may have seen an advert for them, they may have sent you a letter or they may have called you to see if you’d like a quote for your Business Insurance.</p><p>Next is the big blind. The big blind when it comes to Business Insurance could well be an insurance provider you’ve heard of. They’ve spent a sizeable amount of money to get your attention (maybe a television advert or some promotion in the National press) and they aren’t likely to give up without a struggle. So those are the 3 insurance providers who definitely are interested in you and your Business Insurance:</p><p>- Dealer button – Your existing insurance provider</p><p>- Small blind – Maybe an insurance broker who would like to help you</p><p>- Big blind – Perhaps an insurance company who has a large marketing spend and has got your attention.</p><p>It’s possible that this is only a 3 player game but as is becoming more common with insurance brokers and insurance companies other parties enter the game. These other insurance providers generally fall into 2 categories:</p><p>1. They are likely to offer something (or have a hand) similar to either your existing insurance provider (who still has the button) or the small or big blind.</p><p>2. These new insurance providers will offer you something different. They get your attention as they have noticed an element of weakness with the other people at Business Insurance table and are planning on showing you how good they are. So how are they going to do this? Well more often than not they will raise and when it comes to Business Insurance this means they will give you more than the other people at the Business Insurance table.</p><p>Let’s play the Business Insurance Poker hand to explain in more detail:</p><p>1. Your existing insurance provider sends you your renewal terms but you decide to look around for alternative insurance quotes as it’s either more expensive than last year or you just want to see what else is available.</p><p>2. You receive a letter from an insurance broker who seems similar to your existing insurance broker but they save you a little on your insurance premium. It gets your attention but it is enough?</p><p>3. You are now contacted by a direct insurer. You know their name, you’ve seen their adverts and they knock even more off your renewal price. Sounds great yes? Well maybe but let’s see how the game develops.</p><p>4. Another player enters the game and makes a bet (or in this case makes you an offer). Their offer is different in that:</p><p>a. They specialise in the type of business insurance you are actually looking for</p><p>b. They appear to focus more on you and your business rather than on how good they are and how cheap they can get your premium</p><p>c. They quote you a very good premium but in addition to this offer you advice, guidance and tell you that if you do suffer a loss with them they will be there to help you. They don’t have call centres’, they don’t keep you waiting in queues. Instead they employ people who understand your business, understand your needs and are here to help you.</p><p>So with the bets (or business insurance quotes) all on the table it’s possible you may want to play one off against the others with bluffs, raises (or in this case reductions in premiums) until everyone has played their hand and you have to decide who to look after your insurance for another year.</p><p>Will you choose?</p><p>1. Your existing insurance provider – who gave you your renewal premium but only really started to play when under threat from other providers</p><p>2. Someone who offers you the same thing but saves you a little money</p><p>3. A company who saves you a little more money but doesn’t really stand out from crowd</p><p>4. An insurance broker who seems to understand what you need and will do whatever it takes to make sure you are satisfied</p><p>Insurance companies and insurance brokers need to pay attention as although insurance is still a very price sensitive business the reality is customers and people buying business insurance want more than a cheap premium.</p><p>They want cover tailored to their needs, they want an insurance provider who will work for them and with their interests at heart and they want someone to speak to when they need them most.</p><p>They don’t want to be held waiting in queues or even worse be keep waiting only to be cut off. They also don’t want to speak to someone they don’t understand or who doesn’t understand them.</p><p>Texas Holdem Poker is a great game but insurance for your business is a serious matter. Make sure you get the cover, service and insurance provider you deserve and don’t muck it up.</p><p>Is buying Business Insurance the new Texas Holdem Poker was brought to you by Mark Burdett, Marketing Manager of Northern Counties Insurance Brokers. As one of the UK’s Leading Insurance Brokers Northern Counties have been providing Business Insurance to companies since 1928 and specialise in Business Insurance, Motor Trade Insurance, Nursery Insurance and Care Home Insurance.</p><p>This article was written by Mark Burdett, Marketing Manager of Northern Counties Insurance Brokers. Mark has over 17 years Marketing experience in the Financial Services industry and has worked on campaigns for companies including Norwich Union, Kia and Zurich.</p><p>Now based in Newcastle upon Tyne Mark is Marketing Manager for one of the UK’s Leading Insurance Brokers – Northern Counties Insurance Brokers.</p>]]></content:encoded> <wfw:commentRss>https://doterosperu.eu.org/is-buying-business-insurance-the-new-texas-holdem-poker/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>4 Prominent Benefits of Hiring a Tree Removal Service</title> <link>https://doterosperu.eu.org/4-prominent-benefits-of-hiring-a-tree-removal-service/</link> <comments>https://doterosperu.eu.org/4-prominent-benefits-of-hiring-a-tree-removal-service/#comments</comments> <pubDate>Tue, 12 Jan 2021 16:47:21 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://doterosperu.eu.org/?p=15</guid> <description><![CDATA[In summer, people get out to enjoy the beautiful warm weather while having a great time at their desired destinations. Some people complete their yardwork projects to turn their dream into reality. For instance, they can remove the dead tress from their backyard. Although trees look great, many of them can create problems. If you [...]]]></description> <content:encoded><![CDATA[<p>In summer, people get out to enjoy the beautiful warm weather while having a great time at their desired destinations. Some people complete their yardwork projects to turn their dream into reality. For instance, they can remove the dead tress from their backyard. Although trees look great, many of them can create problems. If you can’t remove a tree yourself, you can hire a professional tree removal service. Given below are some benefits of these services.</p><p>1. Saves tons of Time and Money</p><p>The biggest benefit of these services is that they can help you save tons of time and money. Although these services are paid, you can still save money as you won’t need to invest in the required tools and equipment. Additionally, if you do the job yourself, you may end up damaging something valuable in your house.</p><p>On the other hand, hiring a professional ensures the job is done properly and there are no chances of damage to anything. Plus, you can have the job done in a timely fashion.</p><p>2. No Safety Concerns</p><p>If you think that the roots of the trees may be damaging the foundations of your house, it’s better that you hire the services of a removal service for a long-term for regular trimming and pruning. This will ensure your property will be protected against possible damage down the road.</p><p>On the other hand, if you trim or prune your trees on your own, you may end up injuring yourself or other people around you. The thing is that professionals use the right tools and follow the right steps in order to get rid of unwanted dead trees. Therefore, the surroundings of your house will not be touched. In other words, there will be no safety concerns if you have an expert do the job for you.</p><p>3. They have the required equipment</p><p>Another prominent advantage of a professional service is that their employees are well equipped, which means they can use the right tools and other equipment for each job. Aside from this, they have years of experience using the equipment in order to perform the job and save you from injury. On the other hand, you may not have the required tools and equipment to carry out this type of dangerous jobs.</p><p>4. Neat and Clean Landscape</p><p>Although DIY projects are interesting, you may run into problems, especially if you have no idea how to go about bringing a tree down. Besides, even if you can cut a tree down, you may find it a pretty time consuming task to clean all the mess. On the other hand, professional services are ideal if you want to get the project done in a way that it keeps your backyard just like before, neat and clean.</p><p>Long story short, if you want to improve your property by getting rid of fallen or dead trees, we suggest that you check out the services of an experienced provider. Doing the job yourself can save you money, but may cost you more down the road or may cost you if the job is not done properly.</p>]]></content:encoded> <wfw:commentRss>https://doterosperu.eu.org/4-prominent-benefits-of-hiring-a-tree-removal-service/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>4 Tips to Help You Install a New Driveway</title> <link>https://doterosperu.eu.org/4-tips-to-help-you-install-a-new-driveway/</link> <comments>https://doterosperu.eu.org/4-tips-to-help-you-install-a-new-driveway/#comments</comments> <pubDate>Sat, 12 Dec 2020 16:47:42 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://doterosperu.eu.org/?p=17</guid> <description><![CDATA[If you want to make your property look more appealing, you can work on a new driveway. This is true whether you have a home or office. As a matter of fact, this is important if you want to maintain your property. In this article, we are going to share with you a few tips [...]]]></description> <content:encoded><![CDATA[<p>If you want to make your property look more appealing, you can work on a new driveway. This is true whether you have a home or office. As a matter of fact, this is important if you want to maintain your property. In this article, we are going to share with you a few tips that will help you install a new driveway.</p><p>Driveways serve a lot of functions. For example, they can prevent your guests from crushing the grass area. Apart from this, it will add to the curb appeal of your property. As a result, you will be able to create a great impression on your visitors.</p><p>Without further ado, let’s check out a few simple tips that will help you make the right choices when working on your driver project.</p><p>Color</p><p>Generally, most homeowners prefer grey or tan color for their drivers. However, you can choose any color of your choice. This choice should be dependent on your personal preferences. It is better that you go for a color that can look best on your property. After all, this is your chance to add to the curb appeal of your property.</p><p>If you be careful, you can make your driveway look exactly the way you want. So, you may want to choose the best color while making this choice.</p><p>Pattern</p><p>As far as choosing a pattern is concerned, you can go for lines that will allow you to expand the area in the winter.</p><p>You may choose a stamping to make your driveway look like it is made from bricks. Alternatively, you can ask for a different pattern based on your personal preferences. It all boils down to your likes and dislikes.</p><p>Texture</p><p>For better traction, it is better that you add some texture as well. This is even more important you live in an area where you get snowfall in the winter. Apart from this, you may find it a lot easier to drive if it has a little bit of texture. On top of this, the texture will help you keep your vehicle steady when parked.</p><p>After Construction</p><p>After the driveway is cured, you can start using it. However, you can also apply a seal coating. You need to apply this coat on top of the layer of concrete. The role of this coating is to prevent damage and cracks. Apart from this, this layer will also help you maintain the cleanliness of the concrete.</p><p>Seal coating can be applied on an annual basis. This way you can fill in the cracks and remove blemishes.</p><p>Long story short, we suggest that you follow these steps if you are going to work on your driveway project. By following these steps, it will be a lot easier for you to complete the project and get the most out of your driveway.</p>]]></content:encoded> <wfw:commentRss>https://doterosperu.eu.org/4-tips-to-help-you-install-a-new-driveway/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Design a Garden You Can Enjoy All Year</title> <link>https://doterosperu.eu.org/how-to-design-a-garden-you-can-enjoy-all-year/</link> <comments>https://doterosperu.eu.org/how-to-design-a-garden-you-can-enjoy-all-year/#comments</comments> <pubDate>Thu, 12 Nov 2020 16:48:10 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://doterosperu.eu.org/?p=19</guid> <description><![CDATA[The key to enjoying your landscaping all year-round isn’t sexy, exciting nor secretive-it’s planning and design structure. To succeed in having a four-season landscape design, we will need to understand design, color, and form-and how the techniques apply to create your home landscape. How Design, Color, and Form relate to our desired goal of enjoying [...]]]></description> <content:encoded><![CDATA[<p>The key to enjoying your landscaping all year-round isn’t sexy, exciting nor secretive-it’s planning and design structure. To succeed in having a four-season landscape design, we will need to understand design, color, and form-and how the techniques apply to create your home landscape. How Design, Color, and Form relate to our desired goal of enjoying your gardens year-round will rely on staggering our flowers, shrubs, and trees so we can take advantage of their natural life cycle. The goal is to “stagger” our plants so we will have things flowering in the Spring, Summer and as Fall comes around, we will have colorful leaf changes and moving into Winter, we can rely on the plants shape or Form to create something beautiful to look at while everything has either died or moved into its dormant life stage.</p><p>Starting with Spring, we can break the season down into two sections, plants that flower in early and late Spring. That way once your early Spring flowers and blooms start to fall away, your late Spring plants will begin their ascent into full bloom. Because of this staggered approach, we’re going to need to spread these plants throughout the entire design because we don’t want one section to pop off while the rest of your gardens lie dormant. If we don’t look at the bigger picture, we might get lucky and have things look nice naturally, but with proper foresight, we can take advantage of the different life-cycles to enjoy the flowers for as long as possible without the need for new plants as the season changes.</p><p>Once the long days of Summer are upon us, we won’t be seeing as many blooms as we did in Spring because this is the time to enjoy the literal fruits of our labors. Flower buds turn to fruits and trees are filled with the deep green hues we associate with Summer vacation. Here we could have fruit trees or flowers and grasses that thrive in the high heat and long days of high summer start to show off their goods.</p><p>As the days grow shorter and Fall begins to descend upon our yards and gardens, we are hard pressed to find any more flowering plants; instead, we can focus on the turning of the leaves for our colorful focal point. Now, we can rely on the trees, decorative grasses and shrubs because they are the power players regarding leaf-changing beauty. These plants will be our last stand regarding color that we’ll see this season because we know that Winter Is Coming and we will finally see what I meant by “Form,” as discussed earlier.</p><p>Leaves will drop and start to turn into a colorful mess, littering our yards and gardens. No longer is the air filled with sweet-smelling flowers, the scent of fresh cut grass nor the hum of bumblebees toiling the day away. However, that doesn’t mean that we are at a loss, because we have an ace in the hole -just as we chose flowering plants for a staggered bloom cycle and our bushes and trees for their beautiful color changing leaves. So too did we plant a few “sleeper” knockouts that only start to show off their gifts AFTER the leaves have fallen away.</p><p>All we will have to look at now is the actual shapes or “skeletons” of the bushes, trees, and shrubs we planted way back in Spring. Referring again to the Planning portion of the process where the goal was to see into the future and anticipate what the plants would look like in their barren state, from there using those plants as a focal point for the colder months. After the snow has fallen (if we’re lucky), we will be able to look upon our yard and see the beautiful shapes the snow creates on our hibernating lawns, gardens, and patios.</p>]]></content:encoded> <wfw:commentRss>https://doterosperu.eu.org/how-to-design-a-garden-you-can-enjoy-all-year/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Eating For Better Health</title> <link>https://doterosperu.eu.org/eating-for-better-health/</link> <comments>https://doterosperu.eu.org/eating-for-better-health/#comments</comments> <pubDate>Fri, 06 Nov 2020 09:03:24 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://doterosperu.eu.org/?p=5</guid> <description><![CDATA[These guidelines contain today’s best scientific advice on selection of foods for promoting health, preventing disease and maintaining or losing weight. These are general guidelines that apply to most healthy people. If you have a chronic disease or other special nutritional needs, contact a registered dietitian for specific recommendations. Aim for Fitness Maintain or work [...]]]></description> <content:encoded><![CDATA[<p> These guidelines contain today’s best scientific advice on selection of foods for promoting health, preventing disease and maintaining or losing weight. These are general guidelines that apply to most healthy people. If you have a chronic disease or other special nutritional needs, contact a registered dietitian for specific recommendations.<br />Aim for Fitness</p><p> Maintain or work toward a healthy weight.<br /> Be physically active every day—return fun and play to your life. Get moderate to vigorous physical activity for at least 30 minutes a day 5 days a week.<br /> Healthy eating provides the sustained energy you need to be physically active.<br /> Learn to manage your stress with exercise, healthy eating, relaxation, and good coping skills.</p><p>Build Healthy Eating Habits<br />photo: family having a healthy fruit snack</p><p> Eat a variety of vegetables, especially dark green, red, and orange vegetables (3 or more servings a day).<br /> Eat a variety of fruits (2 or more servings a day).<br /> Eat whole-grain, high-fiber breads and cereals (3 to 6 servings a day). Reduce or eliminate refined or processed carbohydrates; most of the grains in your diet should be whole grains.<br /> Drink fat-free or low-fat milk and eat low-fat dairy products.<br /> Choose from a variety of low-fat sources of protein — including eggs, beans, poultry without skin, seafood, lean meats, unsalted nuts, seeds, and soy products. If you eat meat, eat white meat at least four times more often than red meat.<br /> Reduce intake of saturated fats and trans-fats (such as partially hydrogenated oil) as much as possible.<br /> Use vegetable oils (like olive or canola oil) instead of solid fats.<br /> Reduce daily intake of salt or sodium. Reduce to less than 1,500 mg. per day if you are older than 50, or have hypertension, diabetes or chronic kidney disease.<br /> Restrict or eliminate “junk food” — foods that contain refined white flour, solid fats or trans fats, added sugars, and are high in sodium.<br /> Restrict or eliminate sodas and other sugar-added drinks that are high in calories and contain few or no nutrients.<br /> If you drink alcoholic beverages, do so in moderation. Drink only when it doesn’t put you or anyone else at risk.</p><p>To Lose Weight</p><p> Reduce the number of calories you eat daily. Eat smaller portions—don’t “upsize” your meals at fast food restaurants.<br /> Follow the dietary guidelines above.<br /> Eliminate all sugar-added drinks from your diet. You can drink 100% fruit juice, unsweetened, but limit servings to one or two a day. Drink more water.<br /> Decrease the amount of time spent in sedentary activities, especially watching television. Use your screen-free time working on hobbies, house cleaning, yard work, or engaging in fun activities.<br /> Get moderate physical activity (such as walking, bicycling, swimming, or using aerobic exercise machines) for 30 to 60 minutes a day, at least five days a week.<br /> Do muscle strengthening and toning exercises at least 2 or 3 days a week.</p><p>small 5-2-1-0 logo</p><p>For more information about the Dietary Guidelines and the latest nutrition information, visit the U.S. Government’s Nutrition Information portal.</p><p>Also visit the home page for our 5-2-1-Almost None educational campaign about nutrition and physical activity.</p><p>These tips for healthy eating are based on recommendations from the Dietary Guidelines for Americans 2010, a publication of the U.S. Departments of Agriculture and Health and Human Services, and The Harvard Diet. </p>]]></content:encoded> <wfw:commentRss>https://doterosperu.eu.org/eating-for-better-health/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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