By Bob Randooke

Everyone knows that the insurance giant AIG had an incredible collapse that few people really knew that was coming, even in the insurance industry but there were many warning signs that were there for company officials as well as employees but they chose not to listen.

According to the House select committee on oversight which did a study on AIG's downfall the writing was on the wall. Regulators have warned them five months in advance that they are was something fishy going on in the company's books but AIG's officials apparently didn't pay much mind to it. It looks to me that AIG's executives did the same thing that many Internet stock companies did before the collapse the stock market in the year 2000. I think that these problems could be solved in the future if our government put more stringent regulations and oversight in place to make sure that AIG's top brass invested their side cash wisely and not into very risky investments like commodities, energy and currencies. I mean yes, this side of their business was working magnificently for a good amount of time but this gravy train was bound to get short and run out of gas. If AIG would have focused most of its time and energy into focusing on its core business which was insurance then it would have never left itself wide open for this crash. This crash made the Enron crash look like a day in the park. All of this came about because of the greed of its top brass which make all of these risky investments and left its core business wide open for a knockout punch.

This all goes back to oversight. The Bush administration relaxed a lot of the regulatory factors on Wall street and many companies took advantage of this. Hopefully president elect will learn from the big mistake that the bush administration made on oversight over the business and investment practices of these top executives and force these companies to make the top CEO's work for its investors instead of just for their own pocket books. Now while i favored the bailout this time, it sure better not happen again. Fool me 3 times, shame on me. It is up to us, the American citizens to make sure that things like this dont happen again by making our voices heard by emailing our congress and through protests.

More on AIG - Is Our Auto Insurance, Life Insurance, Health Insurance and Title Insurance at Risk?

By Alice Erin

It is always wise to take some time to do a bit of research online to understand the whole business of insurance, how it works and what are its pros and cons. Doing this kind of research online, will not consume much of your time and effort as you can do it just being at your comfort zone. And, this kind of research bring immeasurable benefits for the customers while taking an insurance deal.

On the other hand, automobile insurance is a kind of policy that covers all the losses that occur to an auto mobile. There are a lot of institutions today that cover any kind of damages to auto mobiles pertaining to natural calamities or man-made damages or losses like fire, flood, earthquake, theft etc.

Several years back, automobile insurance for automobiles was not that popular as the masses were not aware of the importance of it. But, over the years, with the efforts of the various public and private sectors, people have began to understand the importance of auto mobile insurance and its popularity has grown. Therefore, nowadays every owner of a two-wheeler or four-wheeler endeavors to get such an insurance.

More on Realize the Importance of Insurance

By Sadhna D

If you have met with an accident due to the negligence of someone, you can make a claim. The amount of compensation, you can receive depends on several factors. It depends on the type of injury you have suffered, the place where the injury occurred, the amount of losses or damages you have suffered, etc. Even though, the amount of compensation for each injury varies dramatically, accident claims specialists can give you an approximate idea of the amounts of compensation you can claim. You can use a claim amount calculator to get an estimate of the amount of compensation you can receive.

This tool can help you give a fair estimate of the amount of compensation you can receive.

The claims solicitors can make a more realistic estimate of how much you are likely to receive. They can help you make a no win, no fee compensation claim too which will not cost you a single penny. You can even get 100% compensation for the injuries suffered. Accident claims specialists have helped many claimants get compensation quickly. The specialist can guide a claimant how to make a claim, the documents to be furnished to make a claim, under what circumstances you can make a claim, etc. They will answer any of your claims queries. The specialists will also discuss the circumstances under which you have suffered an injury and let you know how much you can claim.

More on Calculate Back Injury Compensation Claim Amount!

By Abi Smith

In this day and age we live at a fast moving pace. We have news and information at our finger tips. Either we can use the internet or we are receiving updates via our mobile phones. With the power of all of these tools we are able to save us money for all the things we purchase. From choosing a new TV to buying life insurance, or even critical illness insurance.

Now I have spent many an hour reviewing my finances to reduce my spending. One area that I have spoken to quite a lot of people about is the area of life and critical illness insurance. Some of my friends have told me 'I just want a quote for my insurance online and I don't want to speak to a broker' I always have to ask them 'Why would you want to do the work yourself?'

I must admit I like to use a broker for things like life and critical illness insurance. I sometimes call two of them in order to get the best deal for myself. My friends tell me things like 'I don't like to be sold to' or 'I don't trust salesman'. I tell you two things. I don't like to be sold to and I don't trust anybody! But I'd rather someone else do all the work for me and I don't even have to pay. I agree they are trying to sell me something but if that is something I need at the best price then I'm happy.

More on All I Want is an Insurance Quote!

By Steven Golia

Individual Surety Bonds are the original form of suretyship. The earliest known record of a contract of suretyship is a Mesopotamian tablet written around 2,750 BC. There is evidence of Individual Surety Bonds in the Code of Hammurabi and in Babylon, Persia, Assyria, Rome, Carthage, the ancient Hebrews and later England.

It wasn't until 1837 that the first Corporate Surety was organized, The Guarantee Society of London.

In 1865, the Fidelity Insurance Company became the first US Corporate Surety company, but the venture soon failed.

More on Individual Surety Bonds - Should Obligees Avoid Them?