Welcome to Muslim Speaker

Lowe’s employees car insurance

Lowe’s employees aren’t required to pay for insurance – per se – but they are required to purchase auto insurance for their personal cars. In the case of Lowe’s, the company’s insurance policy costs a pretty penny, ranging from $299-$319 a year. But for most Lowe’s employees, this coverage does not exceed $200 a year.

On top of auto insurance coverage for employees, Lowe’s also covers their personal motorcycles. According to the company, Lowe’s motorcycle insurance covers up to $10,000 of damages, and the premium comes out of the Lowe’s auto insurance premium. Additionally, employees are provided with liability insurance for their personal bikes.

What Does the Best Car Insurance Coverage Have to Do?

Many insurance carriers try to differentiate their rates with features such as loyalty programs. But while these things may be appealing to some consumers, others may see the features as a sneaky way for carriers to increase their premiums. There’s a lot of activity in the car insurance industry when it comes to auto insurance – and it’s a pretty complicated field. Here are some things to consider when comparing auto insurance carriers.

Consumers Should Look at the Small Print

Consumers should consider what their options are when choosing an auto insurance carrier. However, because it can be difficult to see the small print on auto insurance policies, it’s a good idea to rely on online reviews. The web is filled with feedback on specific insurance companies, and you should consider what other customers have to say about the policy.

Do You Have Any Risks That the Car Insurance Company Needs to Cover?

A good way to make sure that you’re buying an auto insurance policy that covers you adequately is to know what kind of risk you are under. If you have a driver’s license, you are required to carry auto insurance. If you’re caught driving without a valid license, you can be charged with reckless driving and face fines, as well as jail time.

Does Lowe’s give member car insurance? (source: http://www.ewcdems.org/does-lowes-give-member-car-insurance.html)

Lowe’s car insurance policy covers every driver’s responsibility. Regardless of whether or not the policyholder had been on the road the entire time or if they had just recently purchased the vehicle, Lowe’s is the only carrier that would cover the loss of earnings and losses from the policyholder’s assets. Additionally, when it comes to insuring your personal vehicles, it’s probably best to look for a company that will give you coverage regardless of your driving record.

If you have a job that requires you to travel and drive, you should check into your auto insurance coverage with a local agent to make sure that you’re covered. For example, the day we called around for quotes on auto insurance, one of our car insurance quotes came back for $194 a month. This estimate would only cover our business expenses. When we factored in our household expenses, we found that it would cost us about $200 a month for auto insurance. In the end, we opted to go with a different policy, which was a little more expensive at $309 a month.

For most people, the best option is to purchase a policy with coverage for both business and personal driving. If you have children, you should be sure to get a policy with extra coverage for them, as well.

Ready to Get Started with Property/Casualty Insurance?

The Property/Casualty Industry has seen increased demand over the past decade, and these increases in demand have been a big driver in the insurance companies increasing their rates. We surveyed about 30 local insurance agents about their property and casualty rates for the first quarter of 2017, and found that insurance companies will be raising rates by an average of 2.76 percent in the year.

The good news is that, when you compare rates, you can get better deals by choosing the right insurance company. Compare policies using online quotes to get competitive rates, and keep an eye on your insurance policy renewal to make sure that you are still receiving the lowest prices possible.

Unlike with the employee car insurance, a company that owns a fleet of cars doesn’t have to worry about building a business case for auto insurance coverage. That’s because the company can simply write off the cost of its fleet. That doesn’t mean that the company has to give any money to cover those cars in the case of an accident or loss. The vehicles can be just as likely to lose money as they can to produce revenue. But at the same time, the company doesn’t have to justify to its insurer that it has vehicles.

Ultimately, the lesson here is that the auto insurance business is a very lucrative one. You can leverage auto insurance to your advantage, as this Lowe’s example shows. But make sure to take the time to do it properly.

Business policies claims exclusions

Many business policies explicitly exclude claims implied by pandemics. For example, Inovio Pharmaceuticals, which specializes in infectious disease research, reported that it spent US$10 million on flu treatment this season; if a case were to arise, Inovio would probably pay the bill and the hospital to treat it. Not pandemic, not the whole world Most experts consider pandemic coverage an “extra” payment – as in, an unusual circumstance, in which insurers expect to pay significantly more.

But the claims add up: The CDC paid more than $15 billion in the five-year period from 2004 to 2008 for around 2 million policies, only 10 percent of which included pandemic exclusions. And some experts estimate that the cost of pandemic flu coverage would be even higher, given the more dangerous pandemics that might emerge in the future. For these reasons, flu experts think it’s crazy to pay $9.99 for a $24 annual policy.

Typically, that cost will be offset by the relatively small premium for a non-pandemic policy. The ratio of premium cost to loss is between 1.4 and 2.0, and the “spread” between the two could be anywhere between $0 and $400 per policy. There are a number of cases where these extra costs make insurance “insurance” in the traditional sense almost unprofitable. Theoretically, it could even be made so unprofitable as to make pandemic insurance effectively meaningless.

For example, policies for an average hospital hospitalization cost US$4 million, and the average primary care office visit costs about US$74. If an illness can cause death, a policyholder is still responsible for paying a very high deductible in order to obtain a policy (as high as $5,000 for catastrophic coverage in some cases), and also incurs additional medical costs. Most medical bankruptcies result from medical expenses.

Insurers are widely accused of insuring against future risk by neglecting to adequately budget for emerging infectious diseases, as the case of SARS illustrates. But this raises questions about the true value of cover, since any pandemic would overwhelm the system. Concerns about a new pandemic have escalated in recent months, after a scientist in Boston linked this winter’s deadly flu outbreak to the arrival of a new, deadly strain of the H7N9 bird flu virus.

The Affordable Care Act's health insurance mandate included a measure to force insurers to cover the services, but insurers complained that it was onerous and expensive to keep that coverage in force. How to stay healthy “Antibiotic resistance is something that needs to be managed proactively. You don’t wait until you have an infection to take action.” Antibiotic-resistant infections are a serious global health problem, causing more than 2 million illnesses and 23,000 deaths annually.

Meanwhile, as Ian S. Kemp notes, there is an actual pandemic looming, influenza, which kills millions of people every year. Yet insurers still have policies that don’t cover it. Most businesses cannot give workers access to the worst pandemic scenario. How, then, should employers prepare for it? First, they must know the risk of pandemic happening. How likely is it? Do we have a vaccine? What countries will it kill the most people? It kills about 4% of those infected, mostly in Asia.

Using Cheap SR22 Insurance

Whether you like it or not, you're going to have to pay for car insurance. It's a necessity if you want to be able to drive legally. The good news is that you have the freedom to compare car insurance quotes or choose cheap sr22 insurance and choose a policy that is ideal for you.

Obtaining quotes and comparing them used to be a long, drawn out process. Thanks to the internet, this is no longer the case. You no longer have to call one company at a time to obtain a quote. Nor do you have to meet with an agent if you don't want to. Obtaining multiple quotes at once now is now a simple process that you can do online.

That said, you will still need to do your research and educate yourself about the different types of coverage, and cheap sr22 insurance. You will also need to be honest when filling out the questionnaire. You will be asked questions such as your age, gender, the type of vehicle you drive, your location, and so forth. The process only takes a minute, and you will be provided with car insurance quotes from different carriers.

The next step is to compare what each policy has to offer. A quote is just a number. What's important is what that rate covers and what it doesn't cover. The minimum amount of coverage you need depends on the state in which you live. The types of coverage typically include bodily injury, collision, comprehensive, personal injury protection (PIP), and personal injury liability. Do research on what is needed in your state. Decide which of the optional types of coverage you need, and compare the quotes accordingly.

Welcome to Muslim Speaker

Mike Ghouse is a Muslim Speaker, thinker, writer, organizer and an activist committed to building cohesive societies with a belief that what is good for Muslims has got to be good for the world and vice versa to sustain peace, harmony and prosperity.

Twitter.MikeGhouseThe dearth of Muslims to speak up for the moderates has been a major problem in the society; it has created an imbalance in creating stereotypical images of Muslims. To the American public if the guy is not wearing a beard, head covering or the Muslim garb, he is not a ‘full' Muslim, even Muslims have fallen into that trap – if the guy does not max out using Arabic words he is not Muslim enough. What a shame that a Muslim has been reduced to his appearance rather than his message.

A majority of Muslims do not wear beard, or head coverings or the Muslim garb, indeed, there is no such thing as a Muslim garb. It was a blessing to break the stereotypes and Mike was one of the first few Muslims who went on national TV. He looked like an average Muslim Teacher, Engineer, Doctor, Lawyer, Accountant, Administrator, Waiter, Driver or another professional that they can relate with.

Mike has appeared in over 300 shows on TV and Radio, and about 150 times on Fox News and over 100 times with Sean Hannity.  He has published over 3000 articles and about a 1/3rd on Pluralism, a third on Islam and the rest on a variety of topics. Bulk of the writings is published by Dallas Morning News, Huffington Post, Op-ed News and others.

Mike Ghouse is committed to building cohesive societies and offers pluralistic solutions to media and to the public on important and complex issues of the day and is available to speak in a variety of settings such as schools, seminars, conferences, and places of worship, work place, graduations ceremonies and home gatherings. He welcomes all questions and will address the fears many have about Islam.

God loves his creation and does not exclude anyone from his mercy and kindness and adds that he has sent a peace maker, messenger or a prophet to every tribe and nation, indeed no one is deprived of his love. The Quran lays it out very well in Surah Al-Hujurat 49:13: “O mankind! We have created you male and female, and have made you nations and tribes that ye may know one another. The noblest of you, in sight of Allah, is the best in conduct. Allah Knows and is Aware.”

God has intentionally created diversity; each one of us has a unique identity with our own thumb print, eye print, DNA and other uniqueness. If we can learn to respect and accept the God given uniqueness of each one of us, then conflicts fade and solutions emerge. God in Quran makes it absolutely clear that no one is to judge the other in matters of faith, only he, he alone is the judge and not today, but on an elusive Day of Judgment.

Mike's Mission is to work for a world of co-existence through inclusiveness and participation. Speaking about the World Muslim Congress, the organization he manages, he adds, “As a member of diverse family of faiths, our efforts will be directed towards justice and equity to attain peace for the humankind with a firm grounding in commonly held values. We cannot have advantages at the cost of others. Such benefits are temporary and deleterious to lasting peace. We believe what is good for Muslims has got to be good for the world, and vice versa, to sustain it.

The Center for Pluralism champions the idea of co-existence by respecting and accepting the otherness of those different from ourselves. The World Muslim Congress is committed to nurturing the pluralistic ideals embedded in Islam, many are not aware that Islam teaches Pluralism. Heavily involved in both, Mike Ghouse is committed to building cohesive societies and has produced outstanding public events to bring Americans together of different religions, ethnicities and races on common grounds of building a safe and secure America.

More about his at www.MuslimSpeaker.com | www.InterfaithSpeaker.com | Motivational Speaker | Pluralism Speaker.

In defense of Islam, pursuing a civil dialogue


By Steve Blow sblow@dallasnews.com Published 19 September 2010 02:28 AM

Over and over you hear it said: If Muslims oppose terrorism, why don’t they stand up and say it?
If that has been you, Mike Ghouse ought to be your hero.

It is hard to imagine that anyone has worked harder than the Carrollton resident to demonstrate the peaceful and moderate side of Islam.

And that effort includes personally visiting Dallas’ First Baptist Church last Sunday just to put a friendly face on the “evil, evil religion” that the Rev. Robert Jeffress denounced a few weeks before.

“It was wonderful,” Ghouse said of the visit. “We were so warmly received.”
He hopes a quick chat with Jeffress will be the start of deeper discussion about Islam and the importance of respect between religions.

“I want to have a dialogue with him, not to say he is wrong but to share another point of view,” Ghouse said.

The 57-year-old Muslim was born in India and has lived in the United States for 30 years. He owns a small property management firm. But most of his day is devoted to building bridges between people of different faiths.

“It is my passion,” he said in his distinctive raspy voice.

He has been a guest a dozen times on Sean Hannity’s TV and radio talk shows. “I don’t like the way Sean cuts me off, but I have to honor him for giving the American public a semblance of another point of view.”

Ghouse said he can understand fear and criticism of Islam because he went through a time of similar feelings. As a teen, he was troubled by passages of the Quran. He called himself an atheist for a while.

But he said deeper study led him to realize the Quran had been purposely mistranslated down through history.

In the Middle Ages, European leaders commissioned a hostile Quran translation to foster warfare against Muslim invaders.

Later, Muslim leaders produced another translation to inflame Muslims against Christians and Jews.

“It was all for politics,” he said.
Ghouse said he hopes to present Jeffress with a modern, faithful translation and challenge him to find evil verses.

“If he can, I will convert. I will join his church,” Ghouse said. “If he can’t, I will call on him to retract his statements and become a peacemaker.”

Ghouse acknowledges that deep problems persist within Islam. “Three steps forward, two steps back,” he said with a sigh.

And he agrees that mainstream Muslims have not done enough to counter violent images of their faith.

“That is very true,” he said. “But part of it is that many Muslims have given up hope that we will ever be heard.”

He said repeated denunciations of terrorism seem to fall on deaf ears.

And some efforts have backfired – like the proposed Islamic information center in New York. He said it should be hailed for furthering the moderate Muslim cause.
Instead, it has deepened hostility toward Muslims.

I have been astounded by the amount of anti-Islam propaganda that circulates via e-mail. Tons of it has come my way in the last few weeks.

One theme is that people like Mike Ghouse can’t be trusted, that Islam encourages deception.

But Ghouse says actions speak louder than words. And he points to elections in Muslim nations.

More than half of Muslims live in countries with some degree of democracy. And time and time again, Islamist parties are overwhelmingly rejected in favor of secular, mainstream parties.

“The religious parties don’t get more than 3 percent of the vote,” Ghouse said.
Polls show deep mistrust of Muslims. “But the most important question in those surveys is: ‘Do you know anything about Islam?’ ” Ghouse said. “Most people say no.”
What keeps him going is faith in Americans, he said.

“The majority of Americans, if they know the truth, they will change their minds.”

# # #

Mike Ghouse is a speaker, writer, thinker, futurist and an activist of Pluralism, Islam, India and Civil Societies passionately offering pluralistic solutions on issues of the day.

He is a frequent guest at Fox News on the Hannity show, nationally syndicated Radio shows along with Dallas TV, Print and Radio networks and occasional interviews on NPR. He has spoken at international forums including the Parliament of Worlds Religions in Melbourne, Middle East Peace initiative in Jerusalem, International Leadership conference in Hawaii, Washington and elsewhere.

Concerned by the divisiveness, he saw the need to bring Americans together and founded America Together Foundation committed to building a cohesive America, indeed it is in response to ACT America which is bent on pitching one American against the other. We will be holding series of educational programs, conferences and workshops to address the issues that divide us such as Civil Right, GLBT, Quraan, Abortion, anti-Semitism, Islamophobia, Racial Profiling and Stereotyping.

The Annual Unity Day USA is in its 7th year now, it is a purposeful event to bring Americans together, on this Unity Day, we the people of the United States of America of every faith, race, ethnicity, culture and background will gather to express our commitment to co-existence, unity, prosperity and wellbeing of our nation.

Thanksgiving Celebration is in its 15th year showcasing cultural diversity.

The 5th Annual Reflections on Holocaust and Genocides is to learn and to acknowledge and reflect upon the terrible things we have inflicted upon each other and commit to avert such tragedies. Through this event non-Jewish people have consciously learned about Holocaust for the first time, it was also for the first time that people of 14 faiths came together to join in to commemorate the Holocaust that commemorated within the Jewish Community for years. They are not alone anymore in their anguish, we are all in it together with them, and it is a Muslim initiative to effect a positive change.

The programs, seminars and workshops conducted by the Foundation for Pluralism have become a part of the America Together Foundation. While the Foundation for Pluralism continues championing the idea of co-existence through respecting and accepting the otherness of other, the commitment to nurturing the pluralistic ideals embedded in Islam through the World Muslim Congress continues.

Two books will be released this year; The American Muslim Agenda and My Journey to Pluralism.

Mike has written over 1000 Articles on Pluralism, Islam, India, Peace & Justice and civil societies published in a wide spectrum of Newspapers and Magazines around the world.

Locally, he is a panelist at Dallas Morning News’s and writes weekly on a range of issues facing the nation. Washington Post, Huffington Post and other news papers and sites regularly publish his work.

Mike is available to speak on Pluralism, Islam, Civil Societies, and Peace & Justice at your place of worship, school, work place, seminars, workshops or conferences. His work is reflected at three websites & twenty two Blogs listed at http://www.MikeGhouse.net/

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