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Non prime credit these days can be obtained very easily and by no fault of your own. Sure there are instances of financial mismanagement and job loss but the world is suffering from an identity theft epidemic as well. What used to be a unusual thing now it is something that has happened to you, a friend, or a family member at least once. Stealing a credit card number to make purchases is one thing, but the trail left behind from someone who successfully used your social security number can be quite long and difficult to remove. None the less, there has to a proven solution to not only fix those mistakes but also prevent them from happening.So assuming that any of the scenarios have occurred to you, you don’t really find out until it’s too late. This is when you apply for some sort of credit and you get denied. Many of you may already know the status of your credit. Either way, let us assume that you are actually seeking to get it repaired. There are many reasons for better credit including a new or reliable car, moving to a better place to live (buy a new home or rent a nice place), perhaps a credit card because it is cheaper than payday loans by far, and other things. Oh yeah, there are employment issues as well.Most of us do web searches for everything, including credit repair. In addition to the credit repair signs you see all over town, there are other ways credit repair companies or individuals get your attention. Once they have it, it normally goes like this… ” we are glad you are seeking to repair your credit… in order to repair your credit, we will need a copy of your most recent credit report and our service fee.” Remember, nobody works for free these days, and their fee can be an upfront free, usually in the hundreds or it can be with a monthly retainer, like a popular law firm that start with an L. Regardless of how you come to terms with them, they tell you that they are providing a service and based on the items of your credit report, this process will take some time. So if you are paying a monthly fee, this could be for… who knows…One more thing, are you going to give someone the tools they need to steal your identity? (Your credit report which has your social, date of birth, addresses, employment info, and such).Here is the worse part, let’s say, that you paid your fee or your monthly retainer and it has been 11 months since you started your credit repair. You go apply for a loan somewhere and you get denied. So you contact your company or so called law firm and ask them why you were not approved? Their automated response it’s similar to “well sir/ma’am, we offer to repair credit but we cannot guarantee that you will have your credit applications approved because we do not know what companies you have applied for and what they look for. We mainly focus on bad credit and try to repair it.” So after having that feeling of getting ripped off by someone, you try to get a refund because why on earth would you fix your credit if your credit applications are going to get denied… correct? again, their automated response goes like this… “We cannot give you refunds on a service because we have to pay our staff, this is not a product but a service, hence there are no refund on services… “Unfortunately, it is not illegal in the United States to offer services, take money, and not provide what you offered. It just becomes a civil matter if you have the money to go that far, and normally the judge goes with the service provider. Not only is this a massive waste of money but if you value time more than money (like I do), it’s a double loss.Lucky for you, there is actually a way to get your credit goals accomplished for real. Before we dive into that, let’s define accomplished. If you want to get your loan applications approved, get an UNSECURED credit cards, upgrade your vehicle, and buy a house, then this is for you. Also, if you wish to get your credit fixed without sharing your personal information such as your credit report with anyone, then this is also for you.There is a way to correctly repair your credit regardless of what is on it, and turn it into a prime credit file that banks and financial institutions pay to get into their book of business. You ask how is this done? well, very simply actually. Banks and financial institutions have tactics that they use with their own clients to increase their book of business. You don’t do not need a crystal ball to know that every credit applicant does not get approved. Do you wonder what the banks do with the non approved clients? Well, depending on the type of business they are trying to bring and if it is a current client of theirs, they can walk them by the hand and take them from denial to approval. This only works if the client follows their instructions, step by step. And most of them do because they are seeking the financial product in the first place.Not every bank will do this for their clients. Examples are, lets say the credit file will need more time than average to repair, lets say the clients loan request is not substantial for their time, lets say they are just too busy… bottom line is that not everyone gets the help they want, and normally get turned away because it is not illegal to not help someone with bad credit.The same tactics that are used by these institutions are now available to you in a video course that takes less than a day to complete. These are not new tactics or procedures, but instructions that have been behind their walls for decades, with proven results. Here is the actual kicker, not every credit file is bad, in fact, there are many applicants that do not get their credit applications approved that do not have collections or other negative things on their credit report. Most are simply missing the other ingredients that banks look for before issuing credit approval. The procedures are designed generate credit approvals on many tiers but your credit gets repaired by default, but it is not the main purpose of the program.In conclusion, do not get ripped off by these companies who say they will get your credit fixed only to find out the hard way that nothing was ever accomplished. This credit course comes directly from the only qualified source of information to properly accomplish your credit goal, which are the banks.

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.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. Here we are explaining the procedure how to claim on your car insurance policy. This will help you a lot.How to claim on your Car Insurance ClaimWe will understand this procedure in some scenario step by step so it will be very easy for us.Claims for own-damage: If your car met with an accident, you should follow these steps to claim for damages:

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.

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.

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.

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.

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.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.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:

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.

Lodge FIR – Lodge FIR at the nearest police station and keep a copy of the FIR for future reference as well.

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.

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.

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.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.It is advisable to see if the situation can be settled amicably outside the tribunal.Claims for theft: If you find that your car has been stolen then follow the below procedure.

Lodge FIR – Lodge FIR at the nearest police station and keep a copy of the FIR for future reference as well.

Inform to insurance service provider – You should inform to your service provider at the earliest with a copy of FIR

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.

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.

Once all the formalities are completed, the insurance company will disburse the claim.

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.I wish that you don’t need these procedures. I wish you will have a Safe Drive, someone is waiting for you.

Did you know your diet can have a strong impact on your brain and its ability to function? You can enjoy greater brainpower with simple diet changes. The right foods are important for both the mind and the body, so your diet matters.
Try these simple additions to your diet:

1. Oily fish. The oils in the fish are important for brain health because your mind requires fats in the right amounts.

* Fish has essential fatty acids that can help boost brainpower. Oily fish include salmon, sardines, herring, trout, and other varieties.

* The lack of essential fatty acids can lead to memory issues and other concerns.

2. Dark leafy vegetables. Adding these vegetables can help your mind and your body at the same time.

* Vegetables such as kale and spinach are important for boosting brain power. They have vitamins and folate, so your brain benefits by having more protection for its cells. By adding a salad to your meal plans, you can help your brain.

3. Broccoli. Broccoli may not be a favorite, but it has powerful nutrients to help the mind.

* Broccoli has a large amount of vitamin K, which has been linked to helping boost your brain.

4. Nuts. Does your diet include almonds, peanuts, and other nuts?

* Add more cashews, walnuts, and other nuts to your diet to get more vitamin E. This vitamin helps keep the mind healthy and prevents decline in function.

5. Avocados. Avocadoes have multiple nutrients that can help the brain.

* Avocadoes have a great amount of vitamin E and other helpful fats that your brain needs to function.

6. Seeds. Sunflower seeds are an easy source of getting more vitamin E in your diet.

* Pumpkin seeds are another important ingredient for boosting brain power. They have high levels of zinc, which helps the memory. Zinc may also affect the thought processes in the brain.

7. Tomatoes. Tomatoes have lycopene, an important antioxidant, that can help protect your brain.

8. Berries. From strawberries to acai berries, your diet can benefit from the addition of more berries. They have antioxidants and vitamins that can help protect the brain. They also help memory through their nutritional power.

9. Whole grains. Although all grains can boost energy, whole grains are better for your mind because they release glucose slowly. This means your body takes more time to digest them and avoids sugar spikes. Your brain gets a steady amount of energy this way.

10. Sage. Sage extracts and oils are an easy way to boost your brain. The herb has compounds that prevent neurotransmitters from falling apart, so your memory and overall brain function is better. You can add sage to salads or other foods.

11. Beets. They’re a cheap way to get more brain power, and they can be prepared in multiple ways.

* Beets help the mind by increasing blood flow, so your cells can work better.