Insurance Advisor

Your professional Business Insurance Adviser will co-ordinate your accountant to put in place a share purchase agreement that fully protects you and your family's personal and business assets.

Contact James Harman for more information on personal life insurance.

James Harman on Personal Insurance Claims

Having a professional risk adviser can make the difference when it comes to making a claim, they can cut through all the red tape and ensure that your benefit is paid on time. Having an income protection policy ensures that when your wages stops you have the income to pay the bills, your personal ife insurance adviser can start a policy that is suited to your needs and budget.

The difference between a sickness and accident policy and income protection policy is that in most cases a sickness and accident policy only offers a two year benefit and can be cancelled at renewal time by the insurance company due to any claims during the past year.

A business insurance adviser can help you initiate a Share Purchase Agreement to protect your family and business assets and ensures that in the event of a claim there are funds to pay off debts and keep the business alive.

James Harman on Personal Protection Policy

Having a professional risk adviser can make the difference when it comes to making a claim, they can cut through all the red tape and ensure that your benefit is paid on time.

Having an income protection policy ensures that when your wages stops you have the income to pay the bills.

The difference between a sickness and personal accident policy and income protection policy is that in most cases a sickness and accident policy only offers a two year benefit and can be cancelled due to claims experience.

A business insurance adviser can help you initiate a Share Purchase Agreement to protect your family and business assets and ensures that in the event of a claim there are funds to pay off debts and keep the business alive.

Personal Life insurance Tip – When assess how mush life insurance you need include thing like your outstanding loans and credit cards, mortgage payout including penalties for early pay out, funeral costs, legal and accounting costs plus a multiple of your salary (minimum 7 times) to ensure that your loved ones are cater for in the future.

When looking for a life insurance adviser ask them if they will give you the names of existing clients who have made claims as a reference, anybody can sell you a policy, a professional life adviser is what you need at claim time.

How History Repeats itself

Hi
Oh how history repeats its self, a brief history of American recessions, the years ending in 3 and especially 7,8 & 9 are not good years for America.

Recessions in America
1779 – 1780 1807-1814 1819-1824 1837-1843 1857-1860 1873-1879 1893-1896 1907-1908
1918-1921 1929-1931 1937-1938 1953-1954 1975-1976 1979-1980 1982-1983
2001-2003 2008-

Stock Market Crashes 1929 1987 2008

For all you market watchers, the Dow Jones index in 1960 was approx 700 points and it took until end 1982 to pass through the 1,000 point mark and stay above that mark.

At the start of January 1983 the Dow was 1,027 points, at close on the 9th October 2007 it had risen to 14,164 points.

Finally if in 1962 you purchased 1,000 Berkshire Hathaway ‘A’ shares you would have paid around $7 - 8.00 per share ($7,-8,000.00), today those shares are trading around $96,460.00 per share ($96,460,000.00) not a bad profit, their share price dropped the other night by $3,600.00 per share (your loss $3,600,000.00), Berkshire Hathaway is Warren Buffett’s company.

To protect yourself from crashes or damages like these head to James Harman and Associates

Words of Wisdom

Some words of wisdom
- A day without sunshine is like night.
- 2.7 percent of all statistics are made up on the spot.
- 99 percent of lawyers give the rest a bad name.
- Remember, half the people you know are below average.
- He who laughs last thinks slowest.
- The early bird may get the worm, but the second mouse gets the cheese in the trap.
- Support bacteria. They’re the only culture some people have.
- A clear conscience is usually the sign of a bad memory.
- Change is inevitable, except from vending machines.
- If you think nobody cares, try missing a couple of payments.