Home Insurance

How Have The QLD Floods Really Effected Port Stephens Real Estate

“How are the Old Floods going to effect house prices” is a question I am getting asked very regularly at the moment, and at the risk of looking like dodging the question, the real focus should be on decision making and in hindsight, the title of this post, “Decision Making, How To Make Good Decisions Better” .

This post may polarize people and I know is far removed from the Port Stephens Real Estate world, but as I sit in my Nelson Bay office today, I have reflected on an email sent to me. You may have heard the saying, you make a living by what you do and a Life by what you give” but have you heard the term “making good decisions better”.

Real Estate success is all about making good decisions better and so is success and well being in other areas of life. Especially financial decisions around uncertainty like buying or selling a house at the moment and asking your self “Is the Real Estate market going to increase or decrease because of the floods?”. My short answer to your personal question would be: ” Today is a very good time to be buying AND selling Real estate in Port Stephens.”

Let me explain.

Who controls your life?

You do. Know one else.

In fact, do you realize you are training people in how to treat you. I’ll go into that more another day. The point is, we all know how to make good decisions, but the real fruit comes from making good decisions better. Did you give to the QLD flood appeal? I know most people did. But how do you make that decision better?

So how do you do that you may be asking? Firstly, knowledge, secondly, reflection, thirdly, action. All great leaders and inspirational influences practice this principle. Let me explain my point with a story I have heard and repeated before from the book, “7 Habits Of Highly Effective People”

It goes like this: “A man was sitting in a subway car in New York. This is his thoughts: People were sitting quietly-some reading newspapers, some lost in thought, some resting with their eyes closed. It was a calm, peaceful scene.
Then suddenly, a man and his children entered the subway car. The children were so loud and rambunctious that instantly the whole climate changed.
The man sat down next to me and closed his eyes, apparently oblivious to the situation. The children were yelling back and forth, throwing things, even grabbing peoples papers. It was very disturbing. And yet, the man sitting next to me did nothing.
It was difficult not to feel irritated. I could not believe that he could be so insensitive as to let his children run wild like that and do nothing about it, taking no responsibility at all. It was easy to see that everyone else on the the subway felt irritated, too. So finally, with what I felt was unusual patience and restraint, I turned to him and said, “Sir, your children are really disturbing a lot of people. I wonder if you could control them a little more.”
The man lifted his glaze as if to come to a consciousness of the situation for the first time and said softly, “Oh, you’re right. I guess I should do something about it. We just came out from hospital where their mother died about an hour ago. I don’t know what to think, and I guess they don’t know how to handle it either.”
Can you imagine what I felt at that moment? My paradigm shifted. Suddenly I saw things differently, and because I saw things differently, I felt differently, I behaved differently. My irritation vanished. I didn’t have the to worry about controlling my attitude or behavior; my heart was filled with the man’s pain. Feelings of sympathy and compassion flowed freely. “Your wife just died? Oh, I’m so sorry! Can you tell me about it? What can I do to help?” Every thing changed in an instant. New information, reflection, and then action. His paradigm changed!

You see we all make good decisions, but making good decisions better comes from constantly searching for new knowledge, resting regularly in contemplation and reflection(meditation or prayer if you want it to sound spiritual) then taking action with that change of paradigm. I have practiced this and seen tremendous success for clients; I have coached clients to practice it and seen them have tremendous success when making decisions in selling their homes. I have also applied it to my personal life to have more fruitful and enjoyable relationships with friends. And you can too! Selling or buying Real Estate now with uncertainty may not be the real question to ask. Because you are buying and selling in the same market, it’s all relative. That is sell for more in 6 months, buy for more in 6 months and vice versa. So making that good decision to sell better should be more focused on how is it going to feel in that new lifestyle. A separate accommodation for the children, low maintenance surroundings, better school, pool, beach, extra bedroom etc you get the picture.

Now at the risk of retribution I’m going to pass on some political information that was passed onto me to consolidate my point. It changed my thoughts on a few social issues, but helped me realize the power of influence we have in a democratic country in making good decisions better.

Many people gave to the floods, nearly all voted for whom they thought would run the country and steward our hard earned money the wisest.  This is the email that was sent to me. I am not taking political sides, but read and make up your own mind. This is just so unbelievable it may even be  true !

THE TOP 8 RECIPIENTS OF THE AUSTRALIAN GOVERNMENT’S AID DOLLARS IN 2010-2011

Indonesia – $ 458.7 million

Papua New Guinea – $ 457.2 million

Solomon Islands – $ 225.7 million

Afghanistan – $ 123.1 million

Vietnam – $ 119.8 million

Philippines – $ 118.1 million

East Timor – $ 102.7 million

Cambodia – $ 64.2 million

TOTAL =US $ 1,669 million -to be given away in 52 weeks

..But wait, there’s more… !!!!!!!

• Australia provides approximately 150,000 tonnes of food aid every year—about $65 million—to

Bangladesh, Indonesia, Sri Lanka, Sudan and Chad.

• In 2010-2011 the Australian Government plans to spend almost $4.4 billion on development
assistance to under developed countries.

SO….. Ask your local Member how come 2011 Queensland flood victims get “$17 million so far”?

When insurers, such as Allianz and CGU, provide cover for storm damage but EXCLUDE FLOOD from
their home and contents policies.

SUGGEST, we EXCLUDE them from our Shopping Lists ????

And now Gillard will give nearly $500 million for Indonesia’s Islamic schools which are largely moderate
in outlook but there have been pockets of radicalism that have produced terrorists in Indonesia, most
notably the cleric Abu Bakar Bashir’s school in Ngruki, central Java, where some of the Bali bombers studied

STOP THE OVERSEAS AID NOW AND DIVERT THOSE FUNDS TO QUEENSLAND.

WHEN QUEENSLAND HAS BEEN REBUILT AND BACK ON ITS FEET,

THEN WE CAN HELP TO BUILD MORE ISLAMIC SCHOOLS

OVERSEAS. AND HERE’S AN IDEA:

MAYBE WE CAN ALSO TEACH ABU BAKIR’S DISCIPLES TO SING:-

“KOOKABURRA SITS ON THE OLD GUM TREE”,

“GUMBAYAH”,

“WALTZING MATILDA”

AND

“I STILL CALL AUSTRALIA HOME”!!

Conclusion: We can make a good decision to buy that right property at the right price or sell our home in the right market or give some of our hard earned money to the people in need in the QLD floods or else where. We can though make these good decisions can be made better by changing your paradigms i.e. get new information, process new information, act on new information. i.e. the information I shared about where the money you gave is Really Going. It is at the decision making level that all fruits in life worth pursuing exist and many people feel they are too small or insignificant to make a difference. The decisions you make really do make a difference, and you can make those good decisions better by 1) finding new information, 2) processing that information 3) Taking action. The good Samaritan in the Good Book wouldn’t have been so influential if he just had good intentions. He acted on those good intentions.

Make you next good decision better today by following this simple but effective 3 step process and feel the difference. I hope I have helped a little in what ever decision you are ready to make next whether Real Estate, Political, Social or Personal. Until next time, have a great day and I’ll end with a little humor and a photo about making good decisions better. While this chap may have made a good decision to have relaxing ale at the end of the day, he didn’t make a good decision better by having an exit strategy. This is Chris Hasson, over and out!

About the Author

Chris Hasson is <a href=”http://www.portstephens-realestate.com.au/”>Port Stephens No 1 Real Estate Agent</a> and with upwards of $50 million dollars worth of annual property sales is the areas leading expert. He is based in Nelson Bay.

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Insurance Theory and Practice $29.16 Presents a comprehensive overview of the theory, functioning, management and legal background of the insurance industry. This title begins with an examination of the insurance concept, its guiding principles and legal rules before moving on to an analysis of the market, its players and their roles and relationships.

Insurance in Private International Law $65 This volume provides an analysis of insurance in private international law for international business lawyers, including discussion of the jurisdictional and choice of laws issues arising from cross-border contracts of insurance and reinsurance concluded by electronic means.

The Future of Insurance Regulation and Supervision $190 Written by leading academics, researchers and insurance industry experts, this book offers a diversified perspective on how the regulatory and supervisory framework for the insurance sector will develop over the coming years. It is supported by The Geneva

Guide to Health Insurance Billing $110.53 Begin your career in the world of health insurance billing with A Guide to Health Insurance Billing, Third Edition. This resource introduces you to medical billing, covering everything from patient registration to claims submission. Become familiar with a

Medical Insurance for Pharmacy Technicians $82.64 Medical Insurance for Pharmacy Technicians provides a practical, focused overview of medical insurance and billing of prescriptions in the community pharmacy setting. Each chapter is structured to give students a hands-on, practical approach to understand

Economics of Agricultural Crop Insurance $255.55 Government subsidized crop insurance has been used by a number of developed countries as a mechanism to reduce farm income instability by reducing yield risks. Economics of Agricultural Crop Insurance: Theory and Evidence provides an in-depth analysis and

The Admissible Contents of Experience $39.95 Which objects and properties are represented in perceptual experience, and how are we able to determine this? The papers in this collection address these questions together with other fundamental questions about the nature of perceptual content. The book draws together papers by leading international philosophers of mind, including Alex  Byrne (MIT), Alva Noë (University of California, Berkeley), Tim Bayne (St Catherine’s College, Oxford), Michael Tye (University of Texas, Austin), Richard Price (All Souls College, Oxford) and Susanna Siegel (Harvard University) Essays address the central questions surrounding the content of perceptual experience Investigates how are we able to determine the admissible contents of experience Published in association with the journal Philosophical Quarterly

Insurance Enthusiast Kit $42.99 Includes: Wig, apron, Make your own name tag, Eyelashes.”I heart insurance” logo and shirt are not included.

Principles of Risk Management and Insurance (10th Edition) $112.78 Principles of Risk Management and Insurance focuses primarily on the consumers of insurance, and the text blends basic risk management and insurance principles with consumer considerations. Praised for its depth and breadth of coverage, the Tenth Edition provides even more flexibility in its organization by giving an overview of the insurance industry first, before discussing specific plans. Basic Concepts in Risk Management and Insurance: Risk in Our Society; Insurance and Risk; Introduction to Risk Management; Advanced Topics in Risk Management; The Private Insurance Industry: Types of Insurers and Marketing Systems; Insurance Company Operations; Financial Operations of Insurers; Government Regulation of Insurance; Legal Principles in Risk and Insurance: Fundamental Legal Principles; Analysis of Insurance Contracts; Life and Health Risks: Life Insurance; Life Insurance Contractual Provisions; Buying Life Insurance; Annuities and Individual Retirement Accounts; Individual Health Insurance Coverages; Employee Benefits: Group Health Insurance; Employee Benefits: Retirement Plans; Social Insurance; Personal Property and Liability Risks: The Liability Risk; Homeowners Insurance, Section I; Homeowners Insurance, Section II; Auto Insurance; Auto Insurance and Society; Other Property and Liability Insurance Coverages; Commercial Property and Liability Risks: Commercial Property Insurance; Commercial Liability Insurance; Crime Insurance and Surety Bonds. For all readers interested in risk management and insurance.

Insurance Risk and Ruin $38 Ideal for a first course in insurance risk theory. Includes numerous worked examples and exercises for which solutions are provided.

Risk and Insurance in Construction $116.67 This thorough and readable text deals with the subject of construction insurance from the rationale behind it through to its day to day practice.

Government Support to Agricultural Insurance $19.99 Governments in developing countries have been increasingly involved in the support of commercial agricultural insurance programs in recent years. In their attempt to design and implement agricultural insurance, many governments in developing countries have sought technical assistance from the international community and particularly from the World Bank. World Bank is among the few international financial organizations having a fully dedicated insurance team with agricultural insurance experts, and the agricultural insurance team currently provides technical assistance in about 20 countries. One of the recurrent requests from the governments is about the international experience with agricultural insurance, not only in developed countries where in some cases agricultural insurance has been offered for more than a century, but also in middle- and low-income countries. They are particularly interested in the experience of public support to agricultural insurance, including technical, operational, financial and institutional aspects. The book aims to inform and update the public and private decision makers involved in the promotion of agricultural insurance about the recent developments in agricultural insurance, with a particular focus on middle- and low-income countries. It provides the decision maker with a framework for the development of agricultural insurance based on an analytical review of the rationale of public intervention in agricultural insurance and a detailed comparative analysis of agricultural insurance programs with and without public support. This analysis is based on a survey conducted by the World Bank’s agricultural insurance team in 2008 in 65 developed and developing countries. It offers policymakers a review of public support in agricultural insurance in light of international experience and makes recommendations for the development of sustainable, affordable and cost-effective agricultural insurance programs.

Reforming the Insurance Market in Russia $42 This book presents an in-depth historical and analytical review of the reform process in the Russian insurance sector. The report examines the state of the Russian insurance industry, analyses market dynamics and structure, and assesses the major reform initiatives that have occurred in the sector over the past years. Of crucial importance in the reform process was the revision of the organisational structure of the Russian insurance business, improvement of solvency and capitalization requirements for insurance companies, liberalization of the market, and enhancement of supervisory oversight with the establishment of the Federal Service for Insurance Supervision.  . The report concludes with a series of policy recommendations for policymakers and insurance market players.  They are designed to further improve the legal and regulatory framework and to strengthen the insurance industry management structure, operational mechanisms and competitive capacity.

Anti-theft Insurance Iron Security Rim Door Lock $13.19 An ideal rim door lock that is well suited for family residential dwellings as well as commercial applications. This lock is the ease and convenience of a standard lock. It can ensure your houses security. It is the best choice for your home.

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Insurance Against Covariate Shocks $9.99 Uninsured risk had far-reaching consequences for rural growth as well as poverty reduction. A range of informal mechanisms to insure rural households against the impact of shocks, but they are a modest component of a risk layering strategy for well-off households and even less protective for low-income households. Formal insurance mechanisms have inherent market imperfections. State interventions to address these limitations have proven costly and generally are targeted poorly. Recent developments in microfinance as well as in insurance marketing have opened new possibilities for household risk reduction. Index insurance, such as weather indexing, addresses other inherent problems in insurance by using an indicator that is not affected by individual behaviour and may address monitoring costs and moral hazard. A number of innovations using index insurance are being tried currently in diverse settings ranging from India to Mongolia to Malawi. Marketing costs may limit the provision of such insurance to small farmers, but even in such cases microfinance institutes may serve as market intermediaries. Moreover, state and submational governments can use insurance to achieve countercyclical funding programs. In this vein, municipal governments in Mexico have used insurance to finance disaster contingency while the World Food Program has insured a portion of its emergency assistance to Ethiopia. Humanitarian organizations and NGOs may also seek insurance in this manner.

Risk Management and Insurance $67.81 For many years, introductory insurance textbooks presented insurance as a subject based in contracts. Slowly, the course has moved toward a consumer orientation, providing students with a broad, descriptive survey of the insurance field, covering topics such as legal aspects, life and health, and property and liability. Over the past 10 years, textbooks began to promote, and to a limited degree, incorporate a stronger business risk management component while maintaining a consumer orientation. Harrington/Niehaus’ Risk Management and Insurance 2e is written to take the next step offering the essential aspects of insurance contracts and the insurance industry while providing a substantially more conceptual analysis and attention to business risk management and public policy issues that exists in current texts.

EYES LIKE MINE: CONTENTS ARE ALL LIES $12.24 EYES LIKE MINE: CONTENTS ARE ALL LIES

Nickel Fire Insurance After Shave Balm $35.2 Nickel Fire Insurance After Shave Balm

Stochastic Processes for Insurance and Finance $140 Stochastic Processes for Insurance and Finance offers a thorough yet accessible reference for researchers and practitioners of insurance mathematics. Building on recent and rapid developments in applied probability, the authors describe in general terms models based on Markov processes, martingales and various types of point processes. Discussing frequently asked insurance questions, the authors present a coherent overview of the subject and specifically address::; The principal concepts from insurance and finance; Practical examples with real life data; Numerical and algorithmic procedures essential for modern insurance practices. Assuming competence in probability calculus, this book will provide a fairly rigorous treatment of insurance risk theory recommended for researchers and students interested in applied probability as well as practitioners of actuarial sciences. Wiley Series in Probability and Statistics

Life and Health Insurance License Exam Cram $31.48 Life and Health Insurance License Exam Cram

So You Want to Be an Insurance Agent 2nd Edition $24.7 So You Want to Be an Insurance Agent 2nd Edition

How to Start Your Own Successful Insurance Agency $9.85 How to Start Your Own Successful Insurance Agency

Auto Accident Personal Injury Insurance Claim $38.61 Auto Accident Personal Injury Insurance Claim

Property and Casualty Insurance License Exam Cram $26.98 Property and Casualty Insurance License Exam Cram

National Renovation & Insurance Repair Estimator [With CDROM] $40.62 National Renovation & Insurance Repair Estimator [With CDROM]

National Health Insurance in the United States and Canada $26.68 National Health Insurance in the United States and Canada

Fordney’s Medical Insurance Dictionary for Billers and Coders $32.62 Fordney’s Medical Insurance Dictionary for Billers and Coders

Insurance Agency Mergers & Acquisitions and Growth Strategies 2011 $271.65 Insurance Agency Mergers & Acquisitions and Growth Strategies 2011

How to Save 25% Plus on Your Auto Insurance $17.55 How to Save 25% Plus on Your Auto Insurance

2012 National Renovation and Insurance Repair Estimator $58.11 2012 National Renovation and Insurance Repair Estimator

Semi-Markov Risk Models for Finance, Insurance And Reliability $94.05 Semi-Markov Risk Models for Finance, Insurance And Reliability

The World’s Easiest Pocket Guide to Buying Insurance $11.43 The World’s Easiest Pocket Guide to Buying Insurance

BIG PAPA & THE TCB: 12-GAUGE INSURANCE P $12.25 BIG PAPA & THE TCB: 12-GAUGE INSURANCE P

The Impact of Health Insurance in Low- and Middle-Income Countries $21.8 The Impact of Health Insurance in Low- and Middle-Income Countries

Tabbies Insurance Label $8.99 0% 06420 1″ 250 / Roll 3″ 3″ Width x 1″ Length Labels with the message “Insurance” are created for medical office use to convey vital information quickly and easily. Insurance Label Medical Label No Pink TABBIES Tabbies www.tabbies.com

Statistical Tools for Finance and Insurance $82.5 Presents solutions, theoretical developments and method construction for many practical problems in quantitative finance and insurance. Written by practitioners and leading academics in the field of quantitative finance and insurance, this book offers a combination of topics which are helpful to market analysts and risk managers.

Handbook of International Insurance $164.17 Offers an understanding of insurance markets by adopting an international comparative approach. This book provides information on market trends, regulation, taxation, and economic developments for thirteen countries in Europe, the Americas, and Asia. It covers key aspects of insurance. It is intended for scholars, practitioners, and policy makers.

Principles of Life Insurance $45 This is a Textbook for Post-graduate Diploma in .This Text-Book prepared as a part of Study course for post graduate diploma in Insurance would be found useful also to a layman who wants to know about the basics of Life Insurance. It will satisfy the needs of students population I general as well.

Registration and Insurance Wallet $2.49 Store and organize all of your important vehicle documents such as car registration, insurance papers and other important records with this Registration and Insurance Wallet by Allison. Registration and insurance documents are crucial when getting into an accident or when a police officer stops your vehicle. The wallet features a hook and loop closure so all your documents stay secure.

General Liability Insurance Coverage $125 Insurance coverage disputes raise issues in which laws and outcomes regularly vary from state to state. Whether a claim is covered can depend a great deal on whether the case arises on one side of the street or another. It is imperative that insurance claims professionals, lawyers, brokers, risk managers, risk consultants, regulators and judges have adequate access to comparative state-law research. General Liability Insurance Coverage is designed to give the stakeholders in the claims process ready access to the law of all 50 states on the most important liability insurance issues to quickly learn and assess state law relevant to coverage disputes.

Insurance Solvency Supervision $159 The insurance sector plays a growing role in national economies. This reinforces the importance of the solvency of insurance companies. Yet how can we stay informed about the rules and practices related to the supervision of the financial health of these insurance companies in OECD countries? This publication synthesises contributions made by the 30 OECD countries on national regulation of insurance solvency supervision, its practical organisation and the measures taken when difficulties arise. It also contains a comparative analysis of the various systems of solvency supervision set up in OECD countries. A true reference work, this book will interest all readers wishing to deepen their knowledge of these structures.

Insurance Statistics Yearbook 1994-2001 $184 The insurance industry is a key component of the economy by virtue of the amount of premiums it collects, the scale of its investment and, more fundamentally, the essential social and economic role it plays in covering personal and business risks. This annual publication provides major official insurance statistics for all OECD countries as well as Singapore which has an observer status to the OECD Insurance Committee.

Insurance Statistics Yearbook, 1996-2005 $168 This annual publication provides major official insurance statistics for all OECD countries including data on premiums collected, claims, and commissions by type of insurance; investments by type of investment; and numbers of companies and employees.  Data for Singapore, which has an observer status to the OECD Insurance and Private Pensions Committee, are included in the online and CD-ROM editions of this publication. The data, which are standardised as far as possible, are broken down under numerous sub-headings, and a series of indicators makes the characteristics of the national markets more readily comprehensible.

Insurance Statistics Yearbook, 1997-2006 $182 This annual publication provides major official insurance statistics for all OECD countries including data on premiums collected, claims, and commissions by type of insurance; investments by type of investment; and numbers of companies and employees. Data for Singapore, which has an observer status to the OECD Insurance and Private Pensions Committee, are included in the online and CD-ROM editions of this publication. The data, which are standardised as far as possible, are broken down under numerous sub-headings, and a series of indicators makes the characteristics of the national markets more readily comprehensible.

Insurance Statistics Yearbook 2002 $159 This annual publication presents the main official insurance statistics for all OECD countries and for Singapore, which has an observer status to the OECD Insurance Committee. The reader will find information on the diverse activities of this industry and on international insurance market trends. The data, which are standardised as far as possible, are broken down under numerous sub-headings, and a series of indicators makes the characteristics of the national markets more readily comprehensible.

Insurance Statistics Yearbook 2000 $135 This annual publication gathers major official insurance statistics for all OECD countries as well as the Slovak Republic which has an observer status to the OECD Insurance Committee. The reader is provided with information on the diverse activities of this industry and on international insurance market trends. The data, standardised as far as possible, are broken down under numerous sub-headings, and a series of indicators makes the characteristics of the national markets more readily comprehensible.

Swiss Annuities and Life Insurance $50 Swiss Annuities and Life Insurance examines the key characteristics of Swiss annuities and life insurance, and explains how the use of these products can help you achieve asset protection, growth, and, in some cases, significant tax planning opportunities. Swiss annuities and life insurance are an excellent alternative investment, particularly for high-net-worth individuals. With this expert guidebook, you too will learn how to safely capitalize on these attractive products.

Insurance Statistics Yearbook 2001 $142 This annual publication gathers major official insurance statistics for all OECD countries as well as Singapore which has an observer status to the OECD Insurance Committee. The reader is provided with information on the diverse activities of this industry and on international insurance market trends. The data, standardised as far as possible, cover the period 1992-1999. They are broken down under numerous sub-headings, and a series of indicators makes the characteristics of the national markets more readily comprehensible.

CliffsNotes Understanding Health Insurance $5.99 Cliffs Notes: Understanding Health Insurance is the best beginning guide to navigating the alphabet soup of health care today. Learn the difference between HMOs, PPOs, POSs and other managed care plans. Find out how to determine which plan is for you and how to make the most of the care offered by your employer. CliffsNotes: Understanding Health Insurance provides expert advice on costs, coverage, claims, consumer rights and more. From your COBRA plan to Blue Cross / Blue Shield, this book will give you the details on the plans offered by major carriers. Filled with information and expert tips on deciphering the language of health insurance. Discover how to distinguish from the many kinds of health care from PPOs to HMOs and beyond. Features advice on dealing with the red-tape of insurance paperwork. 71 percent of Americans under 65 have private health insurance coverage. ( Human Ecology Forum , June 22, 1997)

Essential Home: Putting Together Your Perfect Home $9.99 Essential Home helps you to make informed decisions about what you put into your home, and demonstrates how the right choices can streamline your style and save money. Just as a carefully planned wardrobe can be supplemented year after year, the well-edited home contains the essential building blocks for enduring style. There’s no blueprint for the contents of the ideal home, but with informative text, practical lists, and inspiring photography, Essential Home shows you how to create your own unique formula that will last a lifetime.

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Contents Dislodged During Shipment $13.82 1. I’m a Believer 2. Revelations of Dr. Modesto, The 3. I Could Rule the World if I Could Only Get the Parts 4. Coronation 5. Slide 6. Hump Day 7. Pink Berets 8. Squirm You Worm 9. Chinese Circus 10. Puppet Wipes 11. New York’s Finest Dining Experience