• Insurance & Finance Educational Services, by Cornell University - Add it Up: Whether you're a student in middle school or high school, you'll find lots of ideas, tips, and interactive pages to increase your money knowledge and skills.
• It's Our Healthcare: The Campaign for Quality, Affordable Healthcare for All Californians - is a coalition of consumer advocates, seniors, health advocates, communities of faith, and labor united to ensure that the people of California’s voice is heard in the debate over healthcare reform.
• Consumer Driven Health Plans
• California Healthcare Survey: Small Business for Affordable Healthcare
• Consumer Resource Handbook
• A.M. Best
  Founded in 1899, A.M. Best Company is a full-service credit rating organization dedicated to serving the financial services industries, including the banking and insurance sectors. Policyholders and depositors rely on Best's ratings and analysis as a means of assessing financial strength and creditworthiness of risk-bearing entities and investment vehicles.

• California Governors Office of Emergency Preparedness

  • Family Disaster Preparedness

• Senior Insurance Bill of Rights

• Consumers Guide to Health Insurance

• What HIPAA Does and Does Not Do (Click title for more details)
  The Health Insurance Portability and Accountability Act of 1996 (HIPAA) includes important - but limited - protections for millions of working Americans and their families. HIPAA may: 

- Increase your ability to get health coverage for yourself and your dependents if you start a new job;
- Lower your chance of losing existing health care coverage, whether you have that coverage through a job, or through individual health insurance;
- Help you maintain continuous health coverage for yourself and your dependents when you change jobs; and
- Help you buy health insurance coverage on your own if you lose coverage under an employer's group health plan and have no other health coverage available.

• Foundation for Taxpayer & Consumer Rights

• Life Events & Financial Decisions

• Property Valuations (free)

• International Risk Management Institute

• Society of Risk Management Consultants

• Professional Liability Underwriting Society

• The National Alliance for Insurance Education & Research

• Insuring the Uninsured through Associations 
  (National Center for Policy Analysis)

• Health Coverage Guide
  (Objective Information for California Small Businesses)

• Health Savings Accounts (IRS site)

• California Department of Motor Vehicles is Closed on Saturdays & 1st through 3rd Fridays each month. Click here to make an appointment.

• DMV forms

  • Notice of Transfer and Release of Liability (REG 138)

  • Affidavit for Transfer Without Probate - California Titled Vehicle or Vessels Only  
    (REG 5)

  • Bill of Sale (REG 135)

  • Application for Title or Registration (REG 343)

  • Endorsed Certificate of Ownership (By current owner, given to new owner, after bill of sale and notice of transfer signed and payment received)

• California Attorney General: Do Not Call Registry

• Google Advanced Search

Free Advertising Websites

• @LA.com

• Pennysaverusa

• Craigslist

• Recycler

• Backpage

Statistics: We know what they are,
but not who they’ll happen to

Whose Car is Insured?

• 52% of Californians auto policies provide for only minimal insurance, as required by the state ($15k)

• 33% of all California drivers are completely uninsured!

• With the above 2 statistics, you have an 85% chance of collecting nothing or next to nothing from the other driver’s insurance company or the other driver, if they don’t have insurance; because 

  • Most Americans have only 2 months of savings, in case of an emergency

  • 45% of Americans age 45 & older have only saved $1,500 towards retirement and 51.2% have saved nothing for it

  • Therefore a total of 96.2% don’t have enough money to pay for an accident, if they don’t have insurance, because they cannot pay you for your loss out of any savings they don’t have!

  • But, not to worry: The courts have been known to award victims who win cases in CA verdicts of up to 50% of the guilty party's salary for up to 20 years, if they don't have the money or proper insurance coverage to compensate immediately.

• Drunk drivers kill 17,000 persons a year in the USA

• Vehicle animal collisions kill over 200,000,000 animals a year. How many of these may result in injuries or death to the occupants of the vehicle?

Other Insurance Statistics:

• One out of five persons are getting cancer these days

• 21% of persons under 21 will die before they reach age 65

• Over one third (33 percent) say their family assets and income will be enough to pay for long-term care should it be needed; But average nursing home care costs in California can soar well beyond $50,000 per year

• Yet only one out of ten surveyed have invested in a program to cover the costs of this care 

• Chances of persons requiring long-term care are high: 

  • Probability of a house being destroyed is 1 in 1300. 

  • Chances of a car being totaled are 1 in 250.  

  • Chances of needing hospitalization are 1 in 15. 

  • But 1 out of 3 people will need a long-term care insurance policy. 

  • Put in another way, for people who are at least age 65 years old, only 5 out of 1000 (0.5%) will lose their homes due to fires. 

  • For the same age group, only 70 out of 1000 (7%) will be involved in car accidents and file insurance claims. (SOURCE: InsuranceNewsNet, Inc.)