Monday, September 16, 2019

Salaam TV On YahSat-1A @52.5E

Salaam TV Channel New Biss Key On YahSat-1A @52.5East New TP Frequency 2019

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TP: 11960 V 27500
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Saturday, September 14, 2019

Auto and home claims that boost your insurance rates

Auto and home claims that boost your insurance rates


Say you’ve been involved in a fender bender. Or your dog Bailey bit your neighbor. Or your basement has flooded.
Think it’s time to contact your auto insurance or home insurance company to submit a claim? Maybe not.
Deciding whether to file a claim can be tricky. In some cases a claim may cause your insurer to raise your rates. In other instances, a claim could land your name in a database that might make it difficult to get or maintain coverage in the future.

At a Glance - Best Auto Insurance Rates - 2019

“Most consumers do not realize that filing an insurance claim can have long-term ramifications, not just with their current insurance company, but with other carriers,” said Joel Ohman, certified financial planner and CEO of CarInsuranceComparison.com. “[It] can even affect their ability to switch policies and get approved for new coverage with a new company.”
So, before you file a claim make sure you know how it could come back to haunt you.

Database dangers

The whole point of insurance is to make good on a loss, to make individuals whole again.
However, many people fear that filing insurance claims will cause them to be “blackballed” by insurance companies, resulting in higher premiums, loss of coverage and difficulties obtaining new insurance. And in some cases, they might be right.
The vast majority of consumer insurance claims are recorded in one or both of two databases: CLUE and A-PLUS.
The larger and better-known database, CLUE, which stands for Comprehensive Loss Underwriting Exchange, is operated by Ohio-based LexisNexis.

CLUE and you

CLUE is so popular that people in the insurance industry often refer to reports generated by either database as “CLUE reports.”
In a CLUE report, you can expect to find policy information like name, date of birth, policy number and claim information such as type of loss, date of loss and amount paid. The homeowner’s report lists the property address while the auto report mentions specific vehicle information.
While homeowner claims and auto claims are registered in CLUE and A-PLUS, health insurance and other types of insurance claims are not included. Claims will remain in your CLUE report for seven years and A-PLUS report for five years.
Insurers may rely on these databases — which originally were created to prevent insurance fraud — to research and screen applicants’ claim histories. In some cases, what these claim histories reveal can result in higher rates or difficulty obtaining coverage.
“Essentially, insurance companies came together many years ago and decided that pooling certain claims data together in a shared database would result in better intelligence on pricing future policies, or outright deciding to deny or rescind coverage,” says Ohman.

Get your CLUE and A-PLUS reports

Under the Fair Credit Reporting Act, you have the right to obtain your CLUE and A-PLUS reports every 12 months for no cost. Here’s how:
  • To get a free copy of your CLUE report, contact LexisNexis either online, via mail or by calling (866) 312-8076.
  • To get a free copy of your A-PLUS report, contact Verisk either online or at (800) 709-8842.
Since there may be information about your claims history in both reports, it’s in your best interest to review both. If you notice claims you never made or any other inaccurate information, inform LexisNexis or Verisk right away. They will perform an investigation within 30 days, resolve any errors and provide you with a free copy of the corrected report.

When to think twice about filing home claims

So, when should you file a home insurance claim?
“There are no general guidelines,” says Tim Bowen, an assistant vice president on the homeowners insurance team at MetLife. “These decisions are made on an individual basis.”
Filing a single claim for home insurance generally won’t result in higher rates. However, Bowen says that making two claims in a three-year period is more likely to trigger a hike, although each company is different. Many insurers base their decisions on how long you’ve been with the company and the nature of the claims.
Also, most insurers say homeowner claims resulting from weather or other catastrophes typically do not result in higher rates.
So, which claims do pose a potential risk to your insurance rates or coverage?

Dog bites

Dog bites are the largest single cause of home policy claims, according to Robert P. Hartwig, former president and now a special consultant to the Insurance Information Institute.
Many insurance companies keep a list of dog breeds that are most likely to attack. Some of the most common breeds that are considered dangerous by insurers include pitbulls, German shepherds, chows, rottweilers, Great Danes and Doberman pinschers. If the homeowner owns one of those breeds, it may be difficult to obtain insurance.
A single attack is often likely to result in higher premiums. However, homeowners may be able to keep their rates from escalating by remedying the situation to the insurance company’s satisfaction.
This may involve getting rid of the dog or taking the dog to an animal psychologist or trainer. Sometimes, the homeowner’s rates will then depend upon passing a probationary period, such as six months without an attack.

Water damage

Water damage tends to set off a barrage of red lights for insurers, largely because of the costs of eliminating mold. The biggest controversy over CLUE reports, for instance, has been over water damage and its effect on real estate sales.
“Be careful before filing a water damage claim. It’s probably not a good idea to file one if the cost of the water damage is less than your deductible, the damage is related to poor maintenance on your part, or the repair is minor in nature,” says Ohman.
You may be better off paying for water damage out-of-pocket than filing a claim.

Slip-and-fall claims

A slip-and-fall injury is a generic term used to describe an injury that happens when someone trips, slips or falls as a result of a hazardous or dangerous condition on your property.
According to the National Safety Council, falls account for nearly one-third of all non-fatal injuries in the U.S. If a person is hurt on your property and files a claim with an insurance company, your rates may rise.

Theft

“Theft is always considered a suspicious claim, potentially requiring proof of purchase of the stolen item(s) and a police report,” says John Espenschied, owner of Insurance Brokers Group outside of St. Louis. He explains that out of all theft claims, jewelry theft claims are the most common.
A theft claim may indicate that your house is in an unstable neighborhood and raise your premiums as a result.

When to think twice about filing auto claims

Compared with home insurance, it is much harder to pinpoint which types of claims may cause your auto insurance rates to spike. Auto insurance rates are more volatile and depend on various factors such as your driving record, age and number of claims.
Other rate-hike or policy cancellation triggers vary from state to state and company to company. However, factors that may be considered include whether you were driving while impaired, whether injuries incurred and the severity and type of accident.
Some auto insurance companies, such as Allstate, Progressive and Nationwide, have a policy to forgive a first accident, but such rules are not ironclad.
To keep your premiums from increasing, it’s usually a good idea to avoid filing an auto claim if you have accidents or damage totaling $1,000 or less. If you decide to take this approach, make sure to raise your deductible to $1,000, which can lower your premiums.
“If no one is injured, no one else’s property is damaged, and the damage is relatively minor then one should avoid making an auto insurance claim. However, if someone is injured or someone else’s property is damaged or the damage is significant then one should contact their insurer immediately,” explains Ohman.
Paying out-of-pocket for damage covered by insurance is distasteful to many people. However, a series of small claims can result in increased premiums and possible loss of coverage.
It gets back to the notion of what insurance is all about: bailing you out from a large disaster, rather than the small things that annoy rather than harm.

Avoiding minor claims

The reality is that there are many people who are strapped for cash and living paycheck-to-paycheck and can endure financial hardship if they had to pay for a fender bender. These type of people may want to keep a low deductible.
“If you make a claim for a hail dent serviced at a body shop where paintless dent repair may have sufficed, these are dollars insurance carriers view as paid out unnecessarily,” explains Quinten Lovejoy, insurance risk advisor at Crane Agency in St. Louis. “If a resin could fill a chip in the windshield and you opt to have the entire windshield replaced, an insurance carrier will not look favorably upon this in terms of your premium or continuing to offer you coverage.”
However, a word of caution: if you cause an accident involving other vehicles, you should report it to your insurance company, even if the damage to your own vehicle is negligible. The other party may, legitimately or not, file a claim for damages or injury.
“Sometimes, when a person attempts to pay out-of-pocket to take care of the situation without involving the insurance company, the other party will file a claim or hold them liable for additional damages, putting them in a much worse situation,” notes Ohman.
Having your version of the accident on record will go a long way toward having your insurance company on your side. Also, many states require accident reports to be filed by the police. If that’s the case where you live, your insurer will be sure to find out whether you report it to them or not.

What to do before filing a claim

If you’re unsure of whether you should file a claim, Espenschied recommends calling up your insurance representative, explaining your situation and asking for their honest advice. They may steer you in the right direction and make your decision easier.
“You may have a $2,000 water claim with a $1,500 deductible and be asking yourself, ‘Should I file a claim?’ The answer is maybe,” says Espenschied. “If you’ve never filed a claim or it’s been five or more years, figure out if it’s worth receiving a $500 check towards the repair costs to pay it back with higher insurance rates for the next three to five years.”

Bottom line

“Keep in mind that there can be a long-term cost associated with filing a claim, (so) reserve claims for larger items that absolutely must be covered by the carrier rather than paid out of pocket,” says Ohman.
“However, if and when you decide you should file a claim, don’t sweat it,” adds Ohman. “That’s what insurance is for, and you did the responsible thing by purchasing adequate coverage ahead of time.”

Dollar to PKR, USD to PKR Rates in Pakistan Today, Open Market Exchange Rates, 14 September 2019

Dollar to PKR, USD to PKR Rates in Pakistan Today, Open Market Exchange Rates, 14 September 2019


The buying rate of the US dollar in the open market was Rs 156.10 while the selling rate of USD was Rs 156.60 in Pakistan.
Below you can see the rates of the last seven days for the US dollar compared to the Pakistani Rupee.
DateSymbolBuyingSelling
12 September, 2019USD to PKR156.25156.75
11 September, 2019USD to PKR150.30156.80
07 September, 2019USD to PKR156.50157.00
06 September, 2019USD to PKR156.50157.00
05 September, 2019USD to PKR156.30156.80
04 September, 2019USD to PKR156.30156.80
03 September, 2019USD to PKR156.40156.90

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FREQ: 3812 V 7200
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The 2019–20 Bangladesh Tri-Nation Series is a cricket tournament that is currently taking place in September 2019. It is a tri-nation series between Bangladesh, Afghanistan and Zimbabwe with all the matches being played as Twenty20 Internationals (T20Is).

Originally, the Afghanistan cricket team were scheduled to tour Bangladesh in October 2019 to play one Test and two T20I matches. On 27 June 2019, it was announced that both the Bangladesh Cricket Board (BCB) and the Afghanistan Cricket Board (ACB) decided to replace the bi-lateral series with a tri-nation series, with these two teams joined by Zimbabwe. The tri-series started on 13 September, with the final scheduled to be held on 24 September.

However, in July 2019, the International Cricket Council (ICC) suspended Zimbabwe Cricket, with the team barred from taking part in ICC events. Despite the suspension by the ICC, Zimbabwe Cricket confirmed that they would still be participating in the tri-series, as they can still play against other ICC members. The BCB confirmed the schedule for the tour in August 2019.

Following the 2019 Cricket World Cup, where Afghanistan lost all of their matches, Rashid Khan was named as the new captain of the Afghanistan cricket team across all three formats. Zimbabwe's captain, Hamilton Masakadza, announced that he would retire from international cricket following the conclusion of the tri-series. Following the series, Zimbabwe will play in another tri-series, in Singapore.

Friday, September 13, 2019

FilmWorld TV on Paksat 1R at 38.0°E Free FTA

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FREQ: 3850 V 3250
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Channel 4 cut its budget from £30 to £10 million and 50 staff in 2002, due to mounting losses, and re-integrated FilmFour as a division of its TV operation to continue to invest in new films. The cuts were a consequence of FilmFour's unsuccessful attempts to compete with Hollywood.

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The term high definition once described a series of television systems originating from August 1936; however, these systems were only high definition when compared to earlier systems that were based on mechanical systems with as few as 30 lines of resolution. The ongoing competition between companies and nations to create true "HDTV" spanned the entire 20th century, as each new system became higher definition than the last. In the 2010s, this race has continued with 4K, 5K and 8K systems.

The British high-definition TV service started trials in August 1936 and a regular service on 2 November 1936 using both the (mechanical) Baird 240 line sequential scan (later to be inaccurately rechristened 'progressive') and the (electronic) Marconi-EMI 405 line interlaced systems. The Baird system was discontinued in February 1937. In 1938 France followed with their own 441-line system, variants of which were also used by a number of other countries. The US NTSC 555-line system joined in 1941. In 1949 France introduced an even higher-resolution standard at 819 lines, a system that should have been high definition even by today's standards, but was monochrome only and the technical limitations of the time prevented it from achieving the definition of which it should have been capable.

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Thursday, September 12, 2019

TM TV HD on Telstar 18 Vantage at 138.0°E

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TM TV HD
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Frequency: 12477 H 45000 2/3
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Despite a population of just three million people, there are 555 media outlets in Mongolia and nearly 5,000 journalists nationwide.

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Wednesday, September 11, 2019

GEO News (Feed) On ChinaSat 11 at 98.0°East Free FTA

GEO News (Feed) Live TV Channel New Biss Key On ChinaSat-11  at 98 .0East New TP Frequency 2019

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FREQ: 11594 V 1600
MPEG4/HD/FREE FTA


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What to do when your insurance company won’t pay

What to do when your insurance company won’t pay


Occasionally, an insurance provider may refuse to pay out, or may insist on paying you just a partial amount of the money you think you are entitled to. This can happen due to a number of different reasons, and can often cause you severe financial hardship.

One of the main reasons that an insurer may refuse to pay out is if the policy was not in place at the time you made a claim for what happened, or if you did not tell the truth or omitted to disclose certain details that could affect your claim thus making the policy invalid. In addition, there may be an exclusion clause in the policy stating that you cannot claim for what happened, or that the item in question is not covered under the terms of the policy. Failure to keep up to date with your monthly installments, and failure to keep your insurer informed of a change to your circumstances can also lead to a claim being rejected, as can failure to keep to the conditions dictated in the policy, or if your insurance provider has reason to believe that you are trying to claim for more than you should.

You may also have a claim rejected if you do not have enough cover in place to cover the amount of your loss because you have under-estimated the total value of your claim; this is known as being underinsured. Also, some policies pay out on a new for old basis, but others do not. If your insurance policy does not operate on a new for old basis your insurer may offer to pay you far less to replace an item as you have already had some use from it.

Another reason an insurer may refuse to pay out, or not pay out in full, is if the item you are claiming for exceeds the amount that your insurer will pay for one, individual item. You may also encounter problems if you have a particularly high excess on your policy, as this may exceed the total amount of your claim.

If your insurer refuses to pay they must always give you a reason. You should go over the details of your policy thoroughly to ensure that their decision not to reimburse you is reasonable. If you do find evidence that your insurance provider is being unreasonable your first course of action is to try to negotiate with them. Start by writing to your insurance company, explaining your complaint in full, informing them of what action you would like them to take, and stipulating a time in which you expect this course of action to be completed. Make sure that you keep a copy of your letter and send any correspondence by recorded delivery so you have evidence that your letter has been received.

If these negotiations do not prove successful then you can then make an official complaint via the company’s internal complaints process, details of which can be found on your insurers’ website, or in your policy documents. If the results of the formal complaints procedure are not satisfactory then you can pursue the matter further. In the UK, if your insurance provider is a member of Lloyds you can contact the Policyholder and Market Assistance Department. If this does not prove fruitful you can make an official complaint via the Financial Ombudsman Service. Their services are free, and you can ask them to intervene if you have already pursued your complaint with your insurer directly. You need to contact them within six months of receiving a final response from your insurer, and this response has to mention that you have a six month time limit to contact the Financial Ombudsman. You must also get in touch with them within six years of the event that you are complaining about.

Their decision is legally binding, and your insurer must adhere to their decision. If this decision is not one that you agree with then your final option would be to take your insurance company to court. However, this can be very expensive so should only be pursued if you are confident that your claim will be successful.

If you are not insured and you incur a financial loss it may be possible to take the company or individual responsible for your loss to court in order to recover your expenses. Similarly, if you are required to pay an excess for a car accident for which you are not to blame you may need to claim this amount back from the driver’s insurance provider. If you encounter problems you then have the option of taking the driver or their insurance provider to court. However, if your own insurer has already dealt with the claim they should claim the excess back for you on your behalf.

Insurance offers you peace of mind that if the worst happens you will be financially compensated, so it can be devastating if your insurance provider turns down your claim. However, there are a number of different options available to you if you believe that your insurer is acting unfairly, and by following the official complaints process you may well get your insurer’s original decision not to pay out overturned.

Insurance policies everyone should have

Insurance policies everyone should have


There are a huge variety of insurance policies available on the market, so much so that it can be difficult to decide which ones you would benefit from, and which ones would quite simply be a waste of money.

One of the most popular types of insurance policy is home insurance, and it comes in two sorts; buildings insurance, and contents insurance. Buildings insurance is vital if you own your own home; infact if you have a mortgage your mortgage provider will usually insist on you taking out a policy. Buildings insurance covers the cost of repairing or rebuilding your property if it is damaged by fire, storms, floods or subsidence. Contents insurance, on the other hand, covers your possessions against loss or damage, and offers valuable protection for both homeowners and tenants alike. Both types of policies do not cover you for general wear and tear, and both will incur an excess, which is the portion of the claim that you will have to pay yourself. Nevertheless, both types of policy, depending on your residential status, are strongly recommended to protect both your home, and its contents.

In most countries car insurance is required by law; you are usually legally obliged to take out at least third party cover. There are three levels of cover, and depending on which type of policy you choose they will cover you for damage to your own vehicle, and personal injury and damage caused to other road users. The most basic level of cover is third party insurance which covers damage to other people’s property and injuries sustained by others in the event of an accident. However, it does not cover the cost of theft or damage to your own vehicle so it is useful only if your own vehicle has a very low monetary value. Second, is third party, fire and theft which provides all the benefits of third party insurance in addition to paying out should your own vehicle be stolen or set on fire. The most comprehensive level of cover, as the name suggests, is comprehensive car insurance which incorporates all the benefits of third party, and third party, fire and theft insurance in addition to paying out for damage to your own car.

If you are travelling, either on holiday or for business purposes, then it is highly recommended that you take out travel insurance; infact most travel agents and holiday providers will insist on it, especially if you are travelling overseas. The majority of policies will cover you for lost or stolen belongings, medical expenses, and the cost of cancelling, cutting short, or delaying your trip. The majority of policies offer around £1m worth of medical cover, and will guarantee that they will fly you home. However, if you enjoy adventure sports such as abseiling and skiing then you will need to take out additional cover as most standard policies do not cover you if you sustain injury whilst partaking in these activities.

Life insurance, critical illness cover, payment protection, and income protection policies cover either you, or your dependants should you suffer a serious illness or die. Life insurance pays your dependants either a lump sum, or regular payments, if you die and is useful if your partner and/or children depend on your income to cover monthly expenses such as mortgage payments etc. Critical illness cover, unlike life insurance which only pays out in the event of your death, pays you a fixed lump sum, or a monthly installment, if you contract a critical illness such as multiple sclerosis or certain types of cancer, or if you sustain a serious injury which in turn leads to you becoming disabled. Payment protection insurance covers your monthly mortgage, credit card, and loan repayments if you become unemployed, have an accident, or become ill and are unable to work, whilst income protection policies pay a percentage of your take-home pay if you are unable to work for a while due to illness or disability. Income protection policies cover the majority of illnesses that result in you being unable to work, but do not cover you for periods of unemployment.

If you have a pet then you are probably aware that veterinary treatment can easily run into double figures. Pet insurance gives you peace of mind that if your pet is unwell, or involved in an accident, then your bills will be covered. However, annual jabs, spaying and neutering are not covered by a pet insurance policy. This type of insurance is best suited to individuals who would find it difficult to afford the cost of treatment out of any spare income, and if you have a certain breed of cat or dog that is likely to require a greater amount of medical treatment. However, you do need to make sure that your pet receives regular vaccinations or your pet insurance will be invalid, and it can be difficult to obtain cover for an animal that already has an ongoing medical condition, or is old.

Many insurance policies offer invaluable cover depending upon your individual circumstances. If you are not entirely sure whether a policy would be beneficial to you then it is advisable to consult an experienced insurance broker to seek professional advice.

Will making an insurance claim raise your rates?

Will making an insurance claim raise your rates?


Unfortunately, if you make a claim on your insurance policy your insurer is likely to increase your premium, and this also applies if you have protected no claims discount. You can expect your monthly payments to rise by about ten to fifteen percent; although this does vary between insurance providers, and depends on what type of claim you have made.

In addition, the more claims you make, the higher your premium will become as you will be considered as being a high-risk customer; so avoid making very small claims as these could prove costly in the longer term. If you pay to protect your no claims discount you will still receive a discount, but on the increased cost of the premium. This is due to the fact that you pay to protect your discount, and not the actual amount of the premium.

You can keep your insurance premiums to a minimum in a variety of ways if you have recently made a claim and have seen your premiums rise. Firstly, make sure that you take out the right amount of cover. If, for example, you are buying buildings and contents insurance make sure that you work out beforehand exactly how much cover you need; too little, and you could end up under-insured (which can prove disastrous in the event of a claim), and too much and you could end up paying over the odds for your premium. When taking out buildings insurance remember that the cover you require is based upon the amount of money it would take to re-build your property, and not its market value; rebuilding costs are usually substantially less than the full market value. The cost of re-building your property can usually be found in the initial surveyor’s report, or alternatively you can access calculators online that help you to work out re-building costs.

When it comes down to insuring the contents of your property again it is important that you get this figure right as you could end up under-insured, or you could end up paying for far more cover than you actually need. Go around every room in your property and make a full inventory of every item you own with its associated value. It is also a good idea to keep this list in a secure place away from your property should your home be severely damaged by flood or fire.

When you receive your renewal notice from your insurance provider it can be tempting to let the policy automatically renew, even if there has been an increase to your premium (which is most often the case). However, just half an hour spent researching quotes online can save you a substantial amount of money. Since the introduction of price comparison sites it has never been easier to compare the prices offered by insurers, and to take out a new policy. Recent research carried out by a leading price comparison site in the UK has revealed that around one in ten people in the market for home insurance could save up to £200 per year by switching their provider. Most certainly, in the case of insurance, it rarely pays to remain loyal to one provider.

If you own your property and are about to renew an existing policy, or take out a new one, then you can often save money by taking out combined buildings and contents insurance from the same provider. You can often save around ten percent when compared to taking out two separate policies with different insurers. You may have two different renewal dates, but most insurance companies will be able to arrange for a joint policy to start on a date that meets your needs, and importantly, leaves you with no gaps in insurance cover.

If a recent claim has resulted in a rise in your premium you can also reduce your costs by improving your security. If you don’t already have one then consider installing a burglar alarm, and likewise, think about installing security lighting on the outside of your property. This can lower your premiums, as can joining a local neighbourhood watch scheme if there is one active in your area. Before installing an alarm system check with your insurer to see which ones they prefer, as in order to reduce your premiums you will need to install a system that is officially approved by your insurance provider.

Another way that you can reduce your insurance premium is to increase your excess, which is the amount that you have to pay out of your own pocket towards a claim. Part of the excess is fixed by your insurer and cannot be changed, but there is also a portion of the excess that is voluntary and which you can set yourself to suit your budget. The higher the excess you are prepared to pay the lower your premium, although make sure that you set your excess to an amount that you can comfortably afford should you need to make a claim.

If the worst happens and you do need to make a claim on your insurance policy then, unfortunately, you can expect your premium to rise. However, the good news is that there are a number of steps that you can take to keep your premiums to a minimum, and sometimes to even reduce them.