Business

Car insurance- Things to Keep in Mind to Choose the Best One

Published

4 years ago

December 18, 2020

Every kid when young dreams of having his/her car and house but little do these young minds knows that buying a car is not only about selecting a car model or its colour. Not only does one need to get a driver’s license but also get car insurance which is convenient for the individual. Purchasing your car comes with a lot of responsibilities and choices and bag and baggage.

Auto insurance or car insurance has been made compulsory by most states to provide its citizens with financial support in case of a man-made disaster or accident.

Tips to choose the best motor insurance

Always compare prices from different websites and agents before finalizing any insurance plan.
The most important thing is to drive safely and avoid any unnecessary accidents.
Buying a collective package for all your insurance policies like health insurance and life insurance. This way you can also get a reasonable discount
Choose your coverage wisely. You need to be careful about the premium. If it’s too less, then it won’t be much helpful in case of an accident or collision. If the premium is too much, you might not be able to utilize it.
Understand your policy. Being a legal document, the insurance contract has a lot of technical terms that might not be intelligible. It is advisable to go through all the pages thoroughly before signing.

The aspect of moving or shifting from one state to another can be exciting, experiential, and informative. But I would be hiding the truth if I say it’s all good. It comes with its bag and baggage. The major problem migrants, emigrants, immigrants, NRI’s mostly face, other than transport and shifting issues are related to a driving license.

A driving license is a legal document that is issued by the government of a country to certify its citizens’ eligibility to drive a vehicle. Each nation has its way of issuing the driver’s license and its own rules and regulations regarding the driver’s license. A driver’s license is issued in the state that the individual considers having a permanent residency in.

Till the time this license is valid, an individual is free to drive in any other state in the country. Most countries have set the minimum driving age to be 18. Few countries having a minimum driving age of 17 and below are Australia, Malaysia, Israel, Iceland, New Zealand, the Philippines, Canada, etc.

People living in more than one state at the same time might wonder if it is possible to attain a driver’s license in more than one state. The answer to that is tricky because of varying jurisdictions and authorities in each state and country. In a country like the US, each state is regulated by Automobile Insurance individually. Having a driving license of two different states is not only not allowed in a country like India but also it acts as a threat to the security policies. If getting two licenses was allowed, people would resort to it to avoid fines, suspensions, fees, and penalties in other states.

Business

Private Listings by Harold X. Clarke: A New Approach to Fine Real Estate

Published

1 week ago

December 16, 2024

Matthew Wiles

Photo credit: Private Listings by Harold X. Clarke.

Byline: Andi Stark

Private Listings by Harold X. Clarke, a real estate platform operating across Hawaii, is rewriting how properties are bought and sold in the region. Unlike larger firms reliant on public listings and mass marketing, Private Listings’ strategy prioritizes personalization, privacy, and meticulous curation of ultra-high-end, off-market properties, including oceanfront estates, gated community residences, and architectural masterpieces.

Harold Clarke, founder of Private Listings, describes their method as one that rejects “cookie-cutter solutions in favor of understanding the nuances of both buyers and sellers.” This approach has resonated with ultra-high-net-worth individuals (UHNWIs) seeking refined and discreet real estate transactions.

The Hawaiian real estate market remains a hub for global investors, with the median price for a single-family home in the state reaching $900,000 in 2024, according to the Hawaii Association of Realtors. Within this competitive landscape, Private Listings is building up to be a trusted name for properties that extend beyond luxury into generational investments.

Challenging the Industry Norms

Private Listings deliberately avoids the conventions of large-scale real estate firms. By focusing on fewer, higher-value properties, the company ensures that each transaction is treated with the same level of care and confidentiality.

Public listing platforms, while effective for broader markets, often expose sellers to unnecessary attention or unqualified inquiries. For Clarke, this model is misaligned with the needs of UHNWIs. “Privacy isn’t a luxury for our clients—it’s a necessity,” Clarke explains.

This philosophy has led Private Listings to handle some of Hawaii’s most significant real estate transactions, including off-market properties valued at over $40 million. Its success is not measured by the volume of listings but by the depth of trust built with clients, many of whom return for subsequent transactions.

Adapting to Changing Client Demands

While Private Listings maintains a foundation of traditional practices, the firm also recognizes the evolving needs of its clientele. The global real estate market is increasingly influenced by concerns over digital security, with a 15% rise in data breaches targeting high-net-worth individuals in the past three years, according to cybersecurity firm NortonLifeLock.

To address these risks, Private Listings employs rigorous screening for potential buyers and uses secure platforms for communication and transactions. The firm’s “by invitation only” model ensures that clients remain protected from the pitfalls of public exposure. Clarke notes, “Our goal is not just to sell homes but to create an environment where clients feel safe and confident during every step of the process.”

The Human Element in Real Estate Transactions

Despite advancements in technology, Private Listings firmly believes that real estate transactions cannot be reduced to algorithms or automation. Unlike firms that depend heavily on online data aggregation, Private Listings emphasizes human connection and insight.

The company’s sales strategy integrates personalized client interactions, in-depth market analysis, and years of experience navigating Hawaii’s unique real estate ecosystem. Clarke’s background in managing family assets and his global perspective is significant in shaping this essence.

Future Directions for Private Listings by Harold X. Clarke

As Hawaii continues to attract global attention, Private Listings aims to expand its influence within the state while maintaining its core principles. The company is currently developing a new platform to streamline services for UHNWIs, blending their demand for discretion with seamless access to Hawaii’s finest off-market properties.

Additionally, Private Listings is strengthening its ties with local communities, recognizing that sustainable growth benefits both the company and the islands’ ecosystems.

Private Listings by Harold X. Clarke has set itself apart in Hawaii’s real estate scene by moving away from the typical mass-market approach. Through a mix of traditional values and modern sensibilities, the firm continues to define what it means to transact ultra-high-value properties with integrity and care.