DJ&J Financial Assurance was founded in 2006 by David Grier who serves as the agency principal and independent insurance advisor.

A graduate of North Carolina Central University with a degree in marketing, David has been in the financial services field for over 18 years with a background in consumer lending, mortgages and insurance.

DJ&J Financial Assurance is a leader in providing quality protection for individuals and families throughout the state of North Carolina. Finding the best financial product with the best terms and making it a pleasant experience for you should not be a difficult task. That is why we make it our goal to provide you with the information you need to make the right financial decison.

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This type of agreement is also used for situations such as arranging for a friend to have access to your vehicle if you become ill. If you have been admitted to hospital for an extended period or need regular lifts to the doctor but can’t drive then enabling someone else to drive your vehicle could be the answer. Many people also use this type of cover if their vehicle has gone in for a service or to have repair work done and they would like to borrow their partner’s vehicle for a short period.

When you approach an insurance company to purchase an insurance policy, the company gives you a quote that contains all the aspects like premiums to be paid, the benefits and so on. When you agree to the terms and submit the application, the insurance company reviews whether you are eligible to receive the insurance, and then insures you if found eligible. When the situation occurs for which you have taken the policy, you can approach the insurance company and file a claim to be paid for the expenses you incurred because of that situation.

Playing musical chairs -

A very common technique. Adjusters love to “change”, “reassign” or “exchange” claims among them. Many times the adjuster supervisor steps in and re assigns the claim. This makes you renegotiate settled points. Dealing with new adjusters helps the insurance company isolate different issues. Joe will settle the total loss, Ben will settle fault, and Karen will settle the injury. This way, insurance adjusters can “throw” the ball among them, and they do not have to give you a straight answer. “Well sir, I think the answer is A, but you need to talk to Ben about that and he is out of the office for a week”.</il>

Changing the shape of the money -

“I am very sorry that you had a headache and lower back pain for more than two weeks. That is certainly a shame. We only can give you, at the very most “$2,500″ which can pay for a trip to Mexico for two. Why don’t you treat yourself and take your wife in a nice Caribbean cruise?” This is very powerful. Adjusters do this every day and this one is only one of their powerful strategies. If the adjuster is settling a younger person, the offer would be $250 for an IPod or a PSP. This “helps” the injured party spend the money in their heads, and makes them want to settle. Remember, you are settling for pain. You want money, not IPods, Cruises, Laptops, or Video games. Visit http://www.auto-insurance-claim-advice.com/bodily-injury-claim.html for more tips regarding bodily injury settlements.

Time of the day -

Adjusters want to call you when it is inconvenient for you. Yeah, they want time to be able to explain their position, but not give you much time to rebut. They probably will hate me for revealing one of the most rude insurance adjuster secrets. They will call you at 7:30 A.M. when you are about to go to work. They want to put pressure on you so you settle right there and then. It “helps” you think “I am done dealing with this people. I just settle and move on with my life”. You can turn this one around. Call the adjuster just before their lunch hour or before they leave for a three day weekend. They want to get out of the office and go home; you can get a better offer if the adjuster wants to go see their family.

Christmas is a wonderful time for Insurance Companies.

Every one seems to be broke right before or after Christmas. Even if you are not a Christian, it just seems that the retail industry is able to sucker all of us into spending more than we have. Consequently, most people are broke right about then. Insurance companies push adjusters (I was one of them) to be more aggressive around this time of the year. They also apply this technique around other holidays. Think about it. You need money for the kids’ toys? So Why not give in and settle for $1,000? Adjusters are savvy and this is a great time for them. Where I used to work, December and January were the best times to settle claims. Our success rate increased by 70%.

The Mute Button-one of the most powerful insurance adjuster secrets.

I was trained to give an offer and hit the mute button. The rule was that we could not emit a sound after the offer was on the table. This often worked. You were ensuring that you would not make a second offer in the same conversation. If my offer was $10,000 then I wanted to hear a response. I did not want to say $10,000 but if you settle today $11,000. This would be considered bidding against oneself. Insurance adjuster will never (unless the adjuster is not trained correctly) give you two different offers in the same conversation. They will give you an offer and wait to see what you say. Use this against the insurance company. Counter offer and hit the mute button!

Forming a Limited Liability Company

Starting a limited liability company in the UK requires the submission to Company House forms, 10 and 12, plus a memorandum and articles of association to complete the company formation and registration. Company House Form 10 provides details of the first directors and intended situation of the registered office. A name check should be carried out with Company House to ensure the proposed name is available and suitable and the proposed limited liability company name entered on form 10 with limited as the last word. Also check addresses and post codes with Royal Mail to avoid the company formation registration being rejected. Company House form 10 must be signed by either by or on behalf of the subscribers to the memorandum of association. Company House Form 12 is a legal declaration that the limited liability company formation details are true and can be signed by a solicitor engaged in the limited liability company formation or a person named as director or company secretary on form 10 under section 10 of the Companies Act 1985. The Memorandum of Association sets out the objects and scope of the proposed limited liability company stating the company name with details of the subscribers to the Memorandum of Association witnessed. Table A is a standard format of a set of Articles of Association, a statutory document that governs the internal affairs of the limited liability company and it is recommended that Table A, Articles of Association is adopted in its entirety. Following a final check to ensure accuracy submit all 4 documents to Company House with the company registration fee and the company formation is complete.

Company Corporation Tax Advantages

Sole traders pay income tax on the net taxable profit which will be reduced from 22% to 20% from 1st April 2008 on net profits earned over the personal allowance. A limited liability company pays corporation tax which is a tax payable on the company net profit. The taxation advantages and disadvantages change from year to year as government policy in relation to tax rates and allowances change. From 1st April 2007 the rate of Corporation Tax for small businesses was increased from 19% to 20% and is set to increase further from 1st April 2008 to 21% and further to 22% from 1st April 2009. These tax changes narrow the gap between the tax payable on profits by sole traders and limited companies. The taxation balance for businesses earning in excess of £34,840 before the owners / directors wages remains in favour of incorporation since the self employed profit is also subject to 8% national insurance in addition to the 20% tax which rises to 40%. The scale of the tax advantage by being incorporated is dependent upon the level and expected level of net profit. Generally self employed businessman paying tax at the lower income rate of 20% would not gain a significant tax advantage the main difference being the national insurance of 8%, while anyone paying the personal tax rate of 40% would show significant tax advantages compared to the corporation tax rate of 20% in 2007 rising to 22% by 2009.

Advantages of Limited Liability

A sole trader receives no protection from the business liabilities should the business run into financial problems whereas the liability of the shareholders in a limited liability company is limited to the amount subscribed for that shareholding. Limited liability becomes less clear in reality. Banks and credit institutions often require directors of a small and newly formed limited liability company to provide personal guarantees against loans and credit.

In addition directors should be aware when starting a limited liability company that should that company run into financial difficulties and become insolvent the directors themselves may be financially liable for any debts incurred if the company continues to trade after the directors became aware the company was insolvent. This is why administrators of companies that go into liquidation often immediately cease trading to avoid themselves as administrators being held liable for any subsequent debts being incurred.