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marketinsight12 · 3 months

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Auto Insurance Market Outlook for Forecast Period (2023 to 2030)

The Global Auto Insurance Market size is expected to grow from USD 7,68,198.17 Million in 2023 to USD 13,59,820.03 Million by 2030, at a CAGR of 8.50% during the forecast period (2023-2030).

As the name suggests it is the kind of insurance that covers the automotive sector. This insurance is only for the vehicle. If any unfortunate incident happened with the car & it gets damaged badly then the insurance company will pay for that. It is a legal requirement in most states and countries for drivers to have at least a minimum amount of auto insurance coverage. It covers several policies which include liability of car, collision/ accident, and comprehensive. This coverage pays for damages or injuries you cause to others in an accident. It typically includes bodily injury liability and property damage liability. This coverage pays for damages to your vehicle that result from a collision with another vehicle or object.

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The latest research on the Auto Insurance market provides a comprehensive overview of the market for the years 2023 to 2030. It gives a comprehensive picture of the global Auto Insurance industry, considering all significant industry trends, market dynamics, competitive landscape, and market analysis tools such as Porter's five forces analysis, Industry Value chain analysis, and PESTEL analysis of the Auto Insurance market. Moreover, the report includes significant chapters such as Patent Analysis, Regulatory Framework, Technology Roadmap, BCG Matrix, Heat Map Analysis, Price Trend Analysis, and Investment Analysis which help to understand the market direction and movement in the current and upcoming years. The report is designed to help readers find information and make decisions that will help them grow their businesses. The study is written with a specific goal in mind: to give business insights and consultancy to help customers make smart business decisions and achieve long-term success in their particular market areas.

Leading players involved in the Auto Insurance Market include:

"State Farm (USA), GEICO (USA), Progressive (USA), Allstate (USA), USAA (USA), Nationwide (USA), Travelers (USA), Liberty Mutual (USA), Farmers Insurance (USA), American Family Insurance (USA), AIG (USA), Zurich Insurance Group (Switzerland), AXA (France), Aviva (United Kingdom), Admiral Group (United Kingdom), Munich Re (Germany), Berkshire Hathaway (USA), Tokio Marine (Japan), Ping An Insurance (China), PICC (China) and Other Major Players."

If You Have Any Query Auto Insurance Market Report, Visit:

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Segmentation of Auto Insurance Market:

By Vehicle age

Old

New

By Type

Commercial

Personal

By Distribution Channel

Banks

Private Agents/ Brokers

Online

An in-depth study of the Auto Insurance industry for the years 2023–2030 is provided in the latest research. North America, Europe, Asia-Pacific, South America, the Middle East, and Africa are only some of the regions included in the report's segmented and regional analyses. The research also includes key insights including market trends and potential opportunities based on these major insights. All these quantitative data, such as market size and revenue forecasts, and qualitative data, such as customers' values, needs, and buying inclinations, are integral parts of any thorough market analysis.

Market Segment by Regions: -

North America (US, Canada, Mexico)

Eastern Europe (Bulgaria, The Czech Republic, Hungary, Poland, Romania, Rest of Eastern Europe)

Western Europe (Germany, UK, France, Netherlands, Italy, Russia, Spain, Rest of Western Europe)

Asia Pacific (China, India, Japan, South Korea, Malaysia, Thailand, Vietnam, The Philippines, Australia, New Zealand, Rest of APAC)

Middle East & Africa (Turkey, Bahrain, Kuwait, Saudi Arabia, Qatar, UAE, Israel, South Africa)

South America (Brazil, Argentina, Rest of SA)

Reasons to Purchase this Market Report:

Market forecast analysis through recent trends and SWOT analysis

Auto Insurance Market Dynamics Scenarios with Market Growth Opportunities over the Next Year

Market segmentation analysis, including qualitative and quantitative studies that include economic and non-economic impacts

Auto Insurance Market Regional and country-level analysis that integrates demand and supply forces that impact the growth of the market.

Competitive environment related to the Auto Insurance market share for key players, along with new projects and strategies that players have adopted over the past five years

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We are technocratic market research and consulting company that provides comprehensive and data-driven market insights. We hold the expertise in demand analysis and estimation of multidomain industries with encyclopedic competitive and landscape analysis. Also, our in-depth macro-economic analysis gives a bird's eye view of a market to our esteemed client. Our team at Pristine Intelligence focuses on result-oriented methodologies which are based on historic and present data to produce authentic foretelling about the industry. Pristine Intelligence's extensive studies help our clients to make righteous decisions that make a positive impact on their business. Our customer-oriented business model firmly follows satisfactory service through which our brand name is recognized in the market.

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#Auto Insurance #Auto Insurance Market #Auto Insurance Market Size #Auto Insurance Market Share #Auto Insurance Market Growth #Auto Insurance Market Trend #Auto Insurance Market segment #Auto Insurance Market Opportunity #Auto Insurance Market Analysis 2023 #US Auto Insurance Market #Auto Insurance Market Forecast #Auto Insurance Industry #Auto Insurance Industry Size #china Auto Insurance Market #UK Auto Insurance Market

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vishnuchaughule · 10 months

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growthofcarsharingmarket · 11 months

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The global telematics-based auto insurance market is expected to grow at a CAGR of 18.2% during 2023-2028, as per RationalStat analysis. Telematics-based auto insurance is a type of usage-driven insurance (UBI) that utilizes telematics technology, which involves collecting data from a vehicle’s onboard sensors to assess the driving behavior and usage patterns of the insured driver.

#Telematics-Based Auto Insurance Market #Auto Insurance Market

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d2gfinserv · 1 year

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D2G Finserv In Bhopal

#investment plan in bhopal #healthinsurance in bhopal #auto loan in bhopal #general insurance in bhopal #financeplanning in bhopal #life insurance in bhopal #homeloan in bhopal #business loan in bhopal #property loan in bhopal #used car loan insurance in bhopal #stock marketing in bhopal #mutual fund in bhopal #financial plan in bhopal #grow more financially in bhopal #financial services in bhopal #two wheeler loan in bhopal #invest to grow

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pingcall-getlead · 1 year

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Health Insurance Pay Per Call Leads: An Effective and Efficient Way to Reach Potential Customers

Health insurance is a critical aspect of an individual's financial planning and well-being. It provides coverage for unexpected medical expenses and protects an individual's finances in case of a medical emergency. The need for Health Insurance Pay Per Call Leads is on the rise, and with the increase in demand of inbound insurance marketing, the competition in the health insurance market has become stiffer.

In such a scenario, insurance companies are looking for innovative ways to reach out to potential customers and generate leads. One such way is through "Pay Per Call" leads. Health insurance pay per call leads are a form of free auto insurance leads where insurance companies pay a fee for every call that is received from a potential customer. This type of lead generation has gained popularity due to its effectiveness and ease of use.

In Pay Per Call lead generation, Inbound Insurance Marketing partner with lead generation companies that specialize in generating leads for the insurance industry. These lead-generation companies invest in various marketing channels such as search engine optimization (SEO), pay-per-click (PPC) advertising, and direct mail campaigns to generate leads. Once a potential customer expresses interest in purchasing insurance, they are transferred to the insurance company, and the insurance company pays the lead generation company a fee for the call.

Advantages of Pay-Per-Call Lead Generation

The advantage of health insurance pay per call leads generation is that the insurance company only pays for leads that are genuinely interested in purchasing insurance. This eliminates the need for the insurance company to invest in marketing campaigns that may not result in any leads or sales.

High-quality leads

Pay Per Call leads are highly qualified leads as they have already expressed interest in purchasing insurance. This increases the chances of closing a sale and generates a higher return on investment for the insurance company.

Only pay for genuine leads

Another advantage of Pay Per Call lead generation is that it provides real-time lead generation. The insurance company can receive leads within minutes of a potential customer expressing interest. This allows the insurance company to reach out to the potential customer promptly and increases the chances of closing a sale.

Real-time lead generation

It's essential for insurance companies to choose the right lead generation partner for their Pay Per Call lead generation campaign. The lead generation company should have a proven track record of generating high-quality leads for the insurance industry. The insurance company should also ensure that the lead generation company follows ethical practices and does not engage in any misleading or deceptive marketing practices.

Choosing the Right Lead Generation Partner

In conclusion, Pay Per Call lead generation is an effective and efficient way for insurance companies to reach out to potential customers and generate leads. It eliminates the need for the insurance company to invest in marketing campaigns that may not result in any leads and provides real-time lead generation. Insurance companies should choose the right lead-generation partner and ensure that the lead-generation company follows ethical practices to generate high-quality leads and achieve a higher return on investment.

#Free Auto Insurance Leads #Health Insurance Pay Per Call Leads #Inbound Insurance Marketing

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research-reports-blogs · 5 months

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The global telematics-based auto insurance market is expected to produce approximately US$ 2,513.9 million in revenue in the year 2023. This market is projected to experience substantial growth, with an anticipated annual increase of 18.7%, ultimately reaching US$ 13,998.3 million by the year 2033.

Governments want to develop the automotive industry by implementing cutting-edge telematics in cars. This is one of the key drivers of global market expansion. However, on-board Diagnosis (OBD)-ll dongles offer possible entry points that hackers use to steal information, cars, and remotely operate vehicles.

#Telematics-based Auto Insurance Market

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harshbisr-0 · 2 years

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Industry trends influencing the market include smart camera technologies in association with telematics and telematics for electric vehicles.

The Telematics Insurance Industry is expected to grow at a CAGR of 15.49% during the forecast period from 2020-2025.

#esure telematics #Telematics Insurance industry #Telematics Insurance market #auto telematics insurance #telematics fleet insurance

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aryanpages · 2 years

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If you are looking for an Insurance Agency in southern California for your Auto, Home or Business insurance, then Empire Independent Insurance Agency, with a team of professionals with a combined experience of over 150 years, is the best choice for your requirements

#Empire Independent Insurance Agency #Independent Insurance Agency in California #auto insurance california #home insurance california #Content Writing Services #content marketing services #aryanpages

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probablyasocialecologist · 10 months

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Agricultural production is worth protecting; food and fiber are too important to be subject to the increasingly cruel vagaries of the weather and global trade. But as it stands, the [Federal Crop Insurance Program] is maladapted to the challenges of our modern world, where places like Arizona are routinely smashing through high heat records and water in the West is becoming increasingly scarce. While home insurers like State Farm are pulling out of California and Florida due to the mounting costs of climate disasters, the FCIP is doing the opposite: insulating farmers from the true cost of doing business. The average return for home and auto policies is about 60 cents per dollar spent on premiums. Farmers receive an average of $2.22 for every dollar they put into crop insurance. As a result, between 2000 and 2016, farming businesses—mostly large ones—collectively pocketed $65 billion more in claim payments than they paid in premiums. They were paid to plant crops that never came to market.

#agriculture #farming #usa #big ag #crop insurance #Arizona

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thelazybard · 2 years

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Instead I Pour the Milk. [Alejandro Vargas x fem!Reader] Chapter 1: Prologue

Next Chapter

Check the tags at https://archiveofourown.org/works/42983298

"I'm pretending not to see them, and instead I pour the milk."

-Suzanne Vega, Tom's Diner

You were warned by your family and friends that moving to Las Almas would be dangerous. The city was teeming with Cartel activity that only brought murder and chaos. That should have swayed you to change your mind and not relocate afterall. But something was telling you that you would be fine, that opening a coffee shop may do the city some good.

Las Almas originally caught your eye during a family trip as a child. Originally, you were only meant to drive through the city to get to your campsite in the countryside but your car's front left tire caught a flat. That put a damper in your family's plans to say the least. While your father argued on the phone with his auto insurance about getting the tire fixed, your mother took you and your siblings downtown to keep you all occupied.

Mercado Las Almas, a colorful stone archway read as your mother guided you all through. Las Almas' Market. She figured she could pick up something for you all to eat while the car's tire got repaired. As she searched through various fruits and snacks the market had to offer, your eyes wandered. Something about this city was hard for you to ignore, like you were meant to be there. The colorful buildings and traditional architecture left you captivated.

Civillians much like yourself mingled and walked through the market like they were all one big family. Clearly the community was tight-knit, and it showed in how they addressed each other. You imagined what it would be like living there, becoming part of the circle and learning each and every one of these current strangers. The city enchanted you, to say the least.

Alas, your father got the flat fixed and you all were able to make it to the campsite before sundown, but you weren't nearly done with the city. You did plenty of research on the city as the time passed. Keeping up with its politics, frequently checking the real estate, even visiting a handful of times before you decided that this was something you really wanted to do.

You managed to snag a great deal on a café that had a two bedroom flat upstairs. The previous owners had enough of Las Almas and was willing to sell it for dirt cheap all things considered. The building itself was in great shape, and they even left most of their equipment. Being a connoisseur of all types of coffees and teas, you figured this would be easy work. And it was, eventually. People came for coffee and stayed for the atmosphere, and soon you were known by the townspeople as "la señora del café". The coffee lady. You took the nickname in stride and it encouraged you to keep up with the hard work to maintain a healthy and safe environment for your customers. Eventually you earned enough money to hire some employees. Mostly teens who just wanted cash to burn, but you would prefer them spending their time working in your shop than getting involved with criminal activity.

Your cousin on the other hand found a desk job. He moved with you to Las Almas not only to make sure you were okay but because he needed the change in scenery. With the two incomes and a lack of a need to commute on your end, money was almost never tight. Sometimes there were slow months, but you two eventually anticipated them and budgeted preemptively.

The townspeople loved you and treated you as a local despite only moving there as an adult. They protected you, making sure after any particular shootout close to your home that you and your cousin were okay. One time an altercation outside the shop left several bullet holes in your buildings outer wall. By the time you got up and went downstairs that morning to check, men from all ages were patching up the walls and assuring you they'd repaint the area once the cement dried. In return, you served them all lemonade and freshly baked goods for their labor in the sun.

It wasn't always like this, though. Your first few months in Las Almas were tricky to say the least. The townsfolk were wary of you, figuring you were just some hipster young woman hoping to gentrify their area. They talked about you around town, asking each other what they thought of you and if they'd been to your café yet. You still got customers, but it mostly seemed like people trying to size your place up and judge you without taking the time to talk to you. You couldn't quite blame them. They'd seen a lot these past few years what with the Cartel moving in, last thing they need is someone trying to profit off of their town's misery by buying a cheap shop and selling overpriced coffee. Even though that's... not at all what you were trying to do. If anything, your prices were pretty normal if not a little cheaper. They'd know that if they gave you a chance. It left you rather discouraged for a while. Eventually you thought your parents may have been right, and you hated when they were right.

But one fateful day, one of those hopeless days where you thought of going back home, a soldier came in. He had his rifle strapped to his back and wore the typical green camouflage uniform. Removing his shades, he found a seat at one of the many empty tables and you scooped up a notepad and pen to greet him.

He smiled at you. "Afternoon, Señorita."

"Welcome, Señor. Can I interest you in a concha? Do you need a menu?"

"No thank you Señorita, just a shot of espresso will suffice."

You nodded, wilting inwardly considering you spent the early hours of the morning making those conchas. But this was progress! You'd never had a soldier in your shop before, maybe he would enjoy your service and recommend your shop to his friends. Soldiers needed coffee, right?

While the press was brewing his espresso you turned to face him. "What is your name, Señorita?" He asked from where he sat, which was within earshot from the contraption you were working.

You told him, and he smiled. Uh oh, his smile was cute. Everything about him was cute, now that you started to notice. His black hair was slicked back neatly, and he was working on a five o'clock shadow. He appeared to be your age, two years older at max you thought. He had nicely defined cheekbones and jawline, too.

"A beautiful name." He said before cocking his head to the side slightly "Why the long face?" He asked.

You scrambled to come up with an excuse for your persistent frown. "No reason, I suppose I'm a bit sleepy if anything." You lied. You were totally upset because he was your first customer in days and didn't even buy a concha.

He grinned. "A sleepy coffee shop owner?"

You laughed bashfully as you took his espresso from the machine and brought it to him. "Well, when you word it like that it sounds ridiculous. It's not long until I can have a siesta, though." You said, looking upwards at a clock on the wall that read 11:54.

He nodded and thanked you for the coffee, and if he wasn't going to purchase anything else you rung up his bill.

He took a sip and raised his brows slightly. "Ay, this is great. What blend is this?" He asked.

"Oh, it's a blonde roast I had shipped from The States." You answered. Despite being less bitter in taste, the blonde roast actually had a higher caffeine content than most dark roasts.

"If you keep this in stock I may just keep coming back." He joked.

"You'd be my number one customer. My only customer, really." You sighed.

"Don't get much business?"

You looked around at the empty seats, biting back the urge to be sarcastic. "No, not really. A few tourists have come in, but I'm still trying to win the favor of the locals."

"I see. They'll come around once they know your intentions here are good, as well as the coffee."

You smiled weakly but jumped when your timer went off. Dismissing it, you excused yourself and jogged into the kitchen to pull freshly baked bread out of the oven and slice it.

By the time you returned, the man was gone. He left the money for his espresso on the bill you had left on the counter as well as a tip easily twice the amount of the original price. Picking up the money, you noticed he'd written something on the bill.

Cheer up, hermana.

-A

That's when it hit you. You never got his name.

Next Chapter

#alejandro vargas #alejandro vargas x reader #alejandro x fem!reader #cod #modern warfare

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pingcall-getlead · 2 years

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Ping Call is the Best industry for Insurance quality lead generation

The ever stressful mechanism of inbound insurance marketing shouldn’t deviate your attention from core business operations. This is where Pingcall makes it easier for its clients to accumulate high-quality pay-per-call leads that serve the organization's growth objectives. We run calling campaigns to generate digital leads for our B2B partners across the Globe. From contact sourcing to sales prospecting, we have developed a pipeline strategy to bring you highly convertible leads on time. Businesses can earn profits with minimum investment and generate the much-wanted traction for their product and services. Try Pincall to go one step beyond Possible! visit at website:http://www.pingcall.com/

#buy auto insurance leads #Inbound insurance marketing

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dontmeantobepoliticalbut · 3 months

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youtube

The Biden administration announced a rule Tuesday to cap all credit card late fees, the latest effort in the White House push to end what it has called junk fees and a move that regulators say will save Americans up to $10 billion a year.

The Consumer Financial Protection Bureau’s new regulations will set a ceiling of $8 for most credit card late fees or require banks to show why they should charge more than $8 for such a fee.

The rule would bring the average credit card late fee down from $32. The bureau estimates banks brought in roughly $14 billion in credit card late fees a year.

“In credit cards, like so many corners of the economy today, consumers are beset by junk fees and forced to navigate a market dominated by relatively few, powerful players who control the market,” said Rohit Chopra, director of the bureau, in a statement.

President Joe Biden planned to highlight the proposal along with other efforts to reduce costs to Americans at a meeting of his competition council on Tuesday. The Democratic president is forming a new strike force to crack down on illegal and unfair pricing on things like groceries, prescription drugs, health care, housing and financial services.

The strike force will be led by the Justice Department and the Federal Trade Commission, according to a White House statement.

The Biden administration has portrayed the White House Competition Council as a way to save people money and promote greater competition within the U.S. economy.

The White House Council of Economic Advisers produced an analysis indicating that the Biden administration’s efforts overall will eliminate $20 billion in annual junk fees. The analysis found that consumers pay about $90 billion a year in junk fees, including for concerts, apartment rentals and auto dealers.

The effort appears to have done little to help Biden politically ahead of this year’s presidential election. Just 34 percent of U.S. adults approve of Biden’s economic leadership, according to a new survey by The Associated Press-NORC Center for Public Affairs Research.

Sen. Tim Scott, R-South Carolina, criticized the CFPB cap on credit card late fees, saying that consumers would ultimately face greater costs through higher interest rates and less access to credit.

“It will decrease the availability of credit card products for those who need it most, raise rates for many borrowers who carry a balance but pay on time, and increase the likelihood of late payments across the board,” Scott said.

Americans held more than $1.05 trillion on their credit cards in the third quarter of 2023, a record, and a figure certain to grow once the fourth-quarter data is released by the Federal Deposit Insurance Corp. next month. Those balances are now carrying interest on them, which is the highest it has been since the Federal Reserve started tracking the data back in the mid-1990s.

Further, more Americans are falling behind on their credit card debts as well. Delinquency rates at the major credit card issuers such as American Express, JPMorgan Chase, Citigroup, Capital One and Discover have been trending upward for several quarters. Some analysts have become concerned Americans, particularly poorer households hurt by inflation, might be taking on too much debt.

“Overall, the consumer is credit healthy. However, the reality is that there are starting to be some significant signs of stress,” said Silvio Tavares, president and CEO of VantageScore, one of the country’s two major credit scoring systems, in an interview last month.

The growth of the credit card industry is partly why Capital One announced it would buy Discover Financial last month for $35 billion. The two companies, which are two of the largest credit card issuers, are also two companies whose customers regularly carry a balance on their accounts.

This is not the first time policymakers have weighed in on credit card fees. Congress in 2010 passed the CARD Act, which banned credit card companies from charging excessive penalty fees and established clearer disclosures and consumer protections.

The Federal Reserve issued a rule in 2010 that capped the first credit card late fee at $25, and $35 for subsequent late payments, and tied that fee to inflation. The CFPB, which took over the regulation of the credit card industry from the Fed after it was established, is proposing going further than the Fed.

The bureau’s proposal is similar in structure to what the bureau announced in January when it proposed capping overdraft fees to as little as $3. In that proposed regulation, banks would be required to either accept the bureau’s benchmark or show regulators why they should charge more, a method that few bank industry executives expect to use.

Biden has made the elimination of junk fees one of the cornerstones of his administration’s economic agenda heading into the 2024 election. Fees that banks charge customers have been at the center of that campaign, and the White House directed government regulators last year to do whatever is in their power to further curtail the practice.

In another move being highlighted by the White House, the Agriculture Department said it has finalized a rule to stop what it deems to be deceptive contracts by meat processors and to ban retaliation against small farmers and ranchers that work together in associations.

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reportwire · 2 years

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The Best Income Investments Now

Income-oriented investors, it’s time to celebrate. There are suddenly many more opportunities—in areas ranging from junk bonds to real estate investment trusts—after the bear markets in stocks and bonds in the first half of 2022. In the bond market, yields in many cases have doubled, to around 8%, after one of the sharpest selloffs in history. This enhances the diversifying power of bonds in…

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scotianostra · 9 months

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David Dunbar Buick was born at 26 Green Street, Arbroath on September 17th in 1854.

He emigrated to the USA with his parents at the age of two. Although he founded the Buick Manufacturing Company which later became General Motors, Buick’s early success was largely due to his patented process for bonding porcelain to iron, a process that helped fuel the craze for white porcelain bathtubs.But Buick wasn’t all about tubs.

In 1899, after becoming engrossed in this new technology known as gasoline engines for automobiles, Buick established the Auto Vim and Power Co. to produce engines for farm and stationary use. He sold his plumbing business for $100,000 to raise capital for his new venture and began tinkering with using the engines he produced to power four-wheeled vehicles. Two years later, he founded the Buick Manufacturing Company to make engines for various car makers and to make cars himself.

Unfortunately Buick,although a brilliant craftsman was a terrible businessman, he actually only made 120 cars along with his partner Ben Briscoe, before selling his remaining share to William C. Durant who insured that the company grew successfully, so although countless cars have bore his name David Buick died of cancer on March 5, 1929. At the times of his death he was working as an inspector at a Detroit trade school. Buick, the man, was all but forgotten. Briscoe wrote in 1921 that had Buick been able to keep his shares in the firm, they would have been worth more than $10 million at that time. Their value today would be almost incalculable.

Buicks are still made, according to wiki they sold over 1.2 million vehicles in 2015, the main market nowadays is China! The cars baring the Scotsman's name are also sold, mainly in the USA, Canada, and Mexico.

#scotland #scottish #scots-american #engineer #car manufacturing

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the-quotable-alberta-hansard · 2 months

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March 11, 2024

Member Irwin: This brings me to another point, the whole, “Oh, we can’t intervene in the free market” argument from the other side. Well, at the risk of feeling like I’m going back to teaching social studies 30 in Bawlf, Alberta, I’ll go here anyways. We don’t have a purely capitalist society. Sorry, friends. Governments, even super conservative ones, intervene in the market all the time. I can point to countless examples, but here’s one, a more recent one: automobile insurance caps. The UCP reintroduced a cap on the price of auto insurance in 2023. That’s the same cap that former Premier Jason Kenney had eliminated months after the 2019 election. My point here is this. The UCP government were willing to recognize the need for market intervention for a cap in one area, so surely they could recognize the need for them in another, seeing how rapidly rents are increasing here in Alberta.

#alberta #alberta politics #ableg #Janis Irwin #Edmonton-Highlands-Norwood #NDP #cdnpoli

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mwcowan · 7 days

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A Whole New Chapter

In past blogs I’ve written every week or two. Here I am nearly 3 months into this current adventure and I finally sit down to write. I was really planning to give this up but I’ve endured a fair amount of grief from some of my readers, and with a hopefully blog-worthy event coming up (road trip!) Georgia has encouraged me to get back with the program.

Lots of catching up to do! But before I even get to the Philippines, I’ll take you back all the way to our previous trip. One day, as I was paying the bills necessary to maintain a home in the mountains of California, I thought about the monthly costs for electricity, propane, water, sewer, home & auto insurance, property taxes, etc. and wondered why we were paying so dearly for a home we only used half the time, and planned to use even less in the future. Georgia and I thought about it and talked and decided to downsize and relocate our base in the US, and spend most of our time over here – maybe 9-10 months a year.

And between May 2023 and our return here in March, that’s just what we did. We first found a small home on a ¾ acre lot, still under construction, in Fernley, Nevada. This promised much lower expenses than Graeagle, plus Nevada has no state income tax. As one example, our homeowner’s insurance is $328 per year, while we paid more than that every month for the house in Graeagle. Everything else has scaled accordingly, and though we’re not particularly in love with Fernley, it gives us what we need when we’re there, and we feel safe just locking up the house and leaving for 5-6 months at a time.

The new US Headquarters in Fernley

The house in Graeagle was put on the market in September, and in one day we had a buyer, with cash, and the deal was done! We stayed in the house until after Georgia’s son Matt was married (in Graeagle) then began the move to Fernley. By November 15 we were Nevada residents.

Max

Although Max was well taken care of while we were gone, by Georgia’s sister Dignah, we were the ones who suffered, missing him terribly. We decided to bring him with us, and leave him here during our short return trips to the US. Our caretakers love dogs so it should work out well.

I asked my nephew, who flies for a major airline, about the best way to fly a dog overseas. “Easy” he said, “he just needs to get registered as a medical service dog then he gets to fly in the cabin, for free.” Lucky for us, he’d done that for one of his own dogs and knew the ropes. Soon enough, Max was a “trained and certified” service dog, able to alert to Georgia’s condition. And no, ADA laws do not allow you to ask what that condition is.

Doesn't he look handsome on his ID card?

That was indeed the easy part, and only guaranteed Max a comfy seat on the plane. The path started with Max’s vet, who researched the health and vaccination requirements both for import to the Philippines and export from the US. Max got to know his vet well over the next few months but, as attested to by the lengthy USDA export form, he was perfectly healthy. A complete medical and vaccination history was provided to the Philippines Bureau of Animal Imports to receive an import clearance, and various US DOT forms had to be completed.

Thus armed with a large stack of paperwork, and a suitcase full of Wubbas and Chuckit balls, we set off for our flights from Reno to SFO, then SFO to Manila. The gate agent in Reno didn’t want to see any of the papers; she told us that it would be handled at SFO before the international flight. Nope, at SFO we just walked onto the plane and settled into our business class seats. Max had it pretty good for sure!

Surely we’ll have to provide paperwork to get Max through the airport in Manila, right? Well, again, no. Through Immigration, baggage claim, and Customs, Max just trotted along beside us. The whole trip and not once were we asked to provide any documentation. Welcome to the Philippines, Max!

The most amazing thing though, was Max’s bladder control. He used an animal relief area outside the Reno terminal before our first flight, wouldn’t go near the stinky in-terminal relief station in SFO, held it through both flights, then through the terminal in Manila, finally taking a potty break outside the terminal. Super-human!

Kawayan Cove

It was nice to get back to our home, after being back in the states for a very busy 10 months. Nice especially as the caretakers had done a good job maintaining both home and gardens. Ready to move in and relax!

After greeting everyone and making some instant friends, Max spotted the swimming pool. It was a hot day (and he soon found out that every day is hot here!) and in he went. A quick lesson on where the steps were so he can get in & out and now swimming is a daily activity. Usually when one of us is there to throw the Chuckit ball, but we’ve seen him go down by himself and sit on the bench with water up to his chest, just cooling off.

Mabini

Last trip, I wrote about our visit to nearby Mabini/Anilao, a famous dive spot in the Philippines. We noted that the second hotel we stayed in was dog-friendly so for Georgia’s birthday this year we decided to go back, taking Max this time. We all enjoyed relaxing, swimming (both pool and beach for Max), getting massages (sorry, not you, Max), and of course the bar and restaurant. We went diving one day and I got in a couple enjoyable dives, spotting lots of fish, octopus, nice corals and crinoids, turtles, and a number of colorful nudies (nudibranchs).

Where's Dad?

New Car

I had a plan for this trip to replace our Innova with a Toyota Fortuner SUV (a model not available in the US but similar to the Toyota Highlander). More luxurious, better ride and handling, but still retaining a lot of utility for hauling people and stuff around. Georgia had a better idea (as she's prone to have), to get a really small car mainly for use in and around town, something that will be easier to drive and park in the crowded markets.

We originally settled on a Toyota Wigo (again, no equivalent in the US), a very compact “city car” with a mighty 1.0L engine. Buying a new car here isn’t like in the US, where you practically have to shake salespeople off your legs. Even a test drive isn’t standard here; we actually had to go to 3 dealerships to get one. OK, one dealer did let us drive a Wigo, but only around the dealership parking lot! In the 3rd dealership though, we noticed a little bit larger mini-SUV called the Raize. About the same height and width as the Wigo, but somewhat longer and with lots more room inside. Comparison drives between the Wigo and Raize convinced us that the Raize’s even mightier 1.2L engine was worthwhile, plus it was more comfortable overall. A deal was struck and we’re now enjoying our new mini-SUV!

Georgia’s mom is also wanting a car for the Philippines, and it turns out that our Innova is exactly what she’s looking for. We’ve made a deal to sell it to her, so now we’re looking for its replacement. I may get my Fortuner after all!

Driver’s Licenses

Regarding the story above, I got to test drive the cars; Georgia didn’t. The salesperson noted that her license had expired the day before, which was her actual birthday. Mine didn't expire until July so I was good to go.

We’d been clued in to the existence of a Land Transportation Office (LTO) branch in a nearby shopping center that only handles driver’s license renewals, which was said to be very efficient compared to dealing with the full-service LTO. The requirements for renewal are basically passing a medical exam and a written test. We went to the medical office, conveniently next door to the LTO, for our exams. After filling out a short medical history, my exam consisted of getting weighed, height measured, and reading one line of inch-high letters on an eye chart. Every other result of the required “exam” was just filled in by the staff. And then, as I was waiting for my exam results to be registered, I was handed a certificate stating that I’d passed the written test with a score of 92%. VERY efficient indeed, considering that I’d never seen a test. I do wonder what questions I got wrong though…

In less than an hour overall, we both walked out with 10-year renewals on of driver’s licenses. I’ll be almost 80 when this one expires, hope I’m around to get it renewed!

And BTW, I’m mad because Georgia outscored me on the written test, getting a 96!

Billiards

Billiards is a popular activity in the Philippines, probably because it’s played indoors in air-conditioned rooms. I’ve played occasionally here with Herve, who has a table, but this year we’ve hooked up with Kawayan Cove neighbors Graham (of English garden fame) and Andy (a New Yorker who lives mostly in Singapore). Also in our group, from neighboring developments, are Jean (Belgian), and Robert (Canadian). We call our informal group the “Sandy Balls Billiards Club” and we play a “tournament” every weekend, each putting 100 Pesos (about $1.75) into a winner-take-all prize pool. I’ve won once, hoping to continue to improve my game.

L-R: Robert, Jean, Graham, me, Herve (Andy not pictured)

Road Trip!

We’ve been talking about a road trip to the far northern reaches of Luzon for some time; we finally decided to do it. And just like our road trip to Baguio and Sagada in 2018, we’re not driving or taking our car, rather hiring both. Reminds me of an old commercial…

Car rental = $40/day

Driver = $20/day

Food and Lodging for Driver = $10/day

Sitting in the back and enjoying the ride = Priceless!

Our itinerary will include La Union, Vigan, Pagudpud, Santa Teresita, Tuguegarao, and Baguio. Stay tuned!

Sunset(s)

We’re still enjoying our sunsets, nearly every evening. Since it’s been almost 3 months I’ll throw in some bonus photos!

From our home:

From Mabini:

All for now, take care everyone!

#photography #travel #philippines #kawayan cove

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