Keith Armbrecht Provides Thousands of Americans With the Best Medicare Videos

Medicare On Video Is #1 On Youtube

Best Medicare Videos Made For Regular People Just Like You

Complete Medicare Resource Center

Medicare On Video

Keith Armbrecht's Explanatory Youtube Videos Are Simply The Best In The Market. Join Thousands Of Other Americans By Watching Them On His Youtube Channel!

When I share the knowledge I get from Keith's Medicare videos its like Moses coming down from the mount with the Ten Commandments. I really appreciate your work!”

— Mary O.

TREASURE ISLAND, FL, UNITED STATES, May 15, 2018 / — Medicare on Video's Founder Keith Armbrecht Provides Thousands of Americans With the Best Medicare Videos


Saint Petersburg, Florida – 15th May 2018 – The nation is facing a prescription drug cost crisis. According to the Government Accountability Office, over the last year for which figures have been made available, 300 popular generic medicines saw their prices increase by 100 percent, and other research shows that brand name medicines have seen their prices soar as well. It's easy for the public to feel powerless in the face of soaring medication costs – but there are things that they can do to fight the increases, including being pro-active about maintaining their medical coverage.

Medicare exists to help with prescription drug costs, hospital stays and other health care, and Medicare on Video aims to provide the public with the best Medicare videos so that they can navigate the care system and make informed choices about which plans to choose, and also enroll at the right time. Medicare on Video is about to reach an important milestone of 500,000 views on their Medicare videos, and 7,000 subscribers – showing the scope of the issue and the sheer number of people who are confused about Medicare.

A Complete Medicare Resource Center

Medicare on Video was set up by Keith Armbrecht, with the intention of being a complete resource center full of the best Medicare videos and guides, with resources explaining every aspect of the system.

Every month, there are 300,000 people who are entering Medicare at the age of 65, and many of those people do not understand the Medicare system or what each Part means. The Medicare coverage parts are broken into letters, but it's not obvious what Part A and Part B cover, or whether it's worth getting Part C or Part D. The system is opaque, and if you rely on the government websites it takes a lot of reading to figure out what it all means. That's why Keith Armbrecht launched the Medicare on Video website. He aims to help those who are moving into the Part A and Part B cover system, and by providing the best Medicare videos on an open and public platform, he hopes that Medicare on Video will become the go-to service for those who are confused by the system, and that it will go a long way towards ensuring that American citizens get the help and advice that they need.

Answering America's Questions About Medicare

Since launch, Medicare on Video has helped half a million viewers to understand the Medicare cover system. The plans are changing constantly, and it isn't always clear what is covered by default and what people would need to pay for, as well as what the difference is between the Original Medicare, Medigap, and the different Parts of the new system. In videos such as "What is Medicare" these issues, and more, are explained.

Armbrecht hopes that his videos will help those who are older or on a low income to ensure that they are correctly enrolled and that they are getting the best cover for their needs. He said "It's encouraging to see that there has been such a strong response to the videos, and that 7,000 people have found enough value in them to subscribe and return to the channel. I offer these free to view videos to help people navigate the Medicare system, and to give people peace of mind that their potential medical expenses will be covered".
Are You Correctly Covered by Medicare?

The complexities that are associated with Medicare Part B are something that millions of Americans face each year. Part B covers the majority of the things that people expect to find in a health plan, indeed more than you would find in other parts of Medicare, but there is the option to delay enrollment, and this issue catches some people out, because if a person does delay enrollment without meeting the specific criteria that allow delayed enrollment, then they may face penalty charges and end up owing thousands of dollars.
Someone who misses the initial enrollment window for Medicare Part B may find that they can only enroll during January to March each year, with a delay after enrollment before the cover is active. This means that if they don't qualify for the special enrollment period they could be without cover for up to a year.

Medicare Part A is free of charge for most people; Medicare Part B carries a premium. It is this monthly fee that deters some, including pensioners, from taking up the cover, although delaying enrollment is not always wise. Every month, thousands and thousands of Americans make mistakes when it comes to picking which Medicare Parts to enroll on and either buys too much cover or delay taking out cover that they should have. These decisions can be costly and leave people unable to access the care that they need, when they need it.
Keith Armbrecht's Medicare on Video channel ( aims to help Americans of all ages to get the cover that they need and can afford. Whether you're employed and already have a health insurance package, are about to retire and be auto-enrolled on Part B, or are considering taking out COBRA or another similar package.

For more information about Medicare, explore the website, or contact the site founder, Keith Armbrecht using the contact form, or the email address listed below.

Name: Keith Armbrecht
Organization: Medicare on Video
Address: 11120 7TH ST E
Phone: 727-954-5317

Keith Armbrecht
Medicare on Video
email us here

Medicare Made Clear {2018} – All You Need to Know About Medicare

Source: EIN Presswire

India Cards and Payments Market Size, Share and Growth to 2022

India Cards and Payments Market

India Cards And Payments Market – By Cards (Debit Cards, Credit Cards, Prepaid Cards), By Payment Terminals (POS And ATM’s), By Payment Instruments (Credit Transfers, Direct Debit, Cheques And Payment Cards) – Transaction Value, Volumes, Historical Trends

India Cards And Payments Market – Transaction Value, Volumes, Historical Trends, Analysis And Forecasts (2017 -2021)

Indian card payments channel expected to grow due to changing consumer preferences and distinctive demographics which are being targeted by banks and issuers.”

— Market Data Forecast

HYDERABAD, TELANGAANA, INDIA, May 15, 2018 / — Cards and Payments industry in India:
Report Summary:
MarketDataForecast’s 'India Cards and Payments Market’ report provides the insight into various payment cards market trends and growth opportunities in India along with the complete information about different types cards in the market. It also offers an epitomized assessment about the competitors in the market, influential marketing strategies, customer purchase patterns, adopted payment methods in the e-commerce industry and significant government regulations associated with India cards and payments market.

Our report kindles the hidden opportunities with reliable information about the different types of cash transactions, volumes of cardholders, market share, current accounts, growth in the number of cards, credit cards outstanding balances, transactional values, details of the issuers along with available banking schemes and futuristic analysis of overall cards and payment market in India.

India Cards and Payments Market Overview
The India Cards and Payments Market is expected to register a stable growth during the forecast period. The major factors driving the growth of the market include the change in consumer preferences, demographics, a rise in the adoption of online retail, and the growing disposable incomes of the populace. There has also been an increase in the number of banks which are expanding their network of ATMs and installing POS at terminals in order to encourage the use of card transactions.

The regulations announced by RBI in relation to the issuing of cards of prepaid, credit and debit categories under the Payment Systems and Settlements (PSS) Act of 2007, which were revised in 2008 to detail the requirements to be met for authorizing the payment systems, providing a framework for the determination of standards, and providing instructions on the types of payments.

Browse report brief and detailed TOC @

India Cards and Payments Market – Growth Potential:
The banks in the country are segmenting their customers for maximizing the profits derived of the market. Female customers are expected to be specifically targeted as they have become an important customer base for banks to capitalize upon. Banks are offering discounts, cashbacks, and promotions for attracting various customer categories towards using card transactions. Banks such as HDDFC Banks, IDBI Bank, and ICICI Bank have released debit cards which target the women segment, and American Express has launched cards targeting the corporate segment. India is the fourth largest country in terms of the number of residing high net worth individuals. Banks and issuers are focusing on targeting this segment as they show a greater willingness to make the use of card transactions in place of cash transactions. The huge proportion of the unbanked populace of the country, which exceeds 40 percent of the total populace is also one of the major factors driving the growth of this market in India.

India Cards and Payments Market – Geographical Segmentation:
The India Cards and Payments Market is analysed geographically under the region of Asia Pacific. India accounts for one of the largest shares of the Asia Pacific Cards and Payments 2017, and is also showing robust growth in the market. The government reforms taking place for the development of the card payments channel are expected to keep the market outlook stable in the coming future.

Avail Sample Market Brochure of the report for more information, Get a Copy @

Companies profiled in this report are:
• American Express
• Visa
• Discover
• MasterCard
• RuPay
• State Bank of India
• HDFC Bank
• ICICI Bank
• Axis Bank
• RBL Bank
• Corporation Bank
• Bank of Baroda
• Bank of India
• Union Bank of India
• Yes Bank

Make an Inquire before buying @

Related Reports from Market Data Forecast:
Australia Cards and Payments Market –

Singapore Cards and Payments Market –

About MarketDataForecast™
Market Data Forecast is a market research firm offering syndicated research, consults and industry newsletters across various domains & verticals. With a well-established in-house team of experts from diverse fields and outsource research network across 100+ countries, we are the sole research providers for the majority of Fortune 500 companies. Along with the standards of reports being on par excellence, our unique services like free customization, analyst support for the period of six months post to the purchase will be the flag bearers and differentiates us from the rest. Our experience and in-depth understanding of various business environments will be a support to you and your organization in making well-informed decisions.

Contact Information:
Name: Mr. Abhishek Shukla
Organization: MarketDataForecast™
Address: 2nd Floor, Lakeview Plaza, Kavuri Hills, Hyderabad, Telangana 500033, India.
Phone: +1-888-702-9626

Sai Kutumbarao
Market Data Forecast
email us here

Source: EIN Presswire

In Home Care Expert Shares Tips to Making Your Home Senior Safe and Handicap-Accessible

Comfort Keepers Warren NJ

Comfort Keepers of Warren, NJ

Comfort Keepers of Warren New Jersey Location

Comfort Keepers of Warren New Jersey Location

Stephanie Howe

Stephanie Howe

Comfort Keepers of Warren, NJ, is dedicated to helping seniors throughout New Jersey stay safe in their homes

Without a caregiver present in the house, there is nothing more subtly helpful to someone who has trouble getting around than grab bars and benches placed strategically around the house.”

— Stephanie Howe

WARREN, NEW JERSEY, USA, May 14, 2018 / — Home Care: Making Your Home Senior Safe and Handicap-Accessible

Keeping yourself (or an elderly relative) safe in your old age is a very important task. As we get older, our bodies slow down in more ways than one. Seniors are statistically at a higher risk of falls and tend to heal more slowly than they once did due to the overall physical slowdown is known as retirement. If your goal is to successfully age in place without a single broken bone or an unnecessary trip to the hospital, your best bet is to improve the safety and accessibility of your home.

Even if you don't feel handicapped, a ramp and a few grab bars can make a huge difference and will be there for you on cold days when you could use just a little extra support. To get the additional safety, permanent increase in property value and peace of mind for your caregiver(s) consider at least a few of these easy home care accessibility improvements.

1: Start with a Ramp

The ramp up to your front door is the most important part of making a home wheelchair and walker accessible. This will mean you and any guests with mobility limitations can get up to your door much more easily than taking the stairs one slow careful step at a time. Ramps are relatively easy to install with or without professional help and there are a variety of ways to get funding assistance when it comes to making your home more accessible.

2: Clear Open Walkways

Once you've made your house accessible for handicap entry, it's time to think about the walkways. Modern homes tend to have wider hallways and plenty of open floor in the living areas to make it easy for a wheelchair or walker to move around. Even so, it's up to you and your caregiver to arrange your furniture in ways that define clear open walkways.

If you have frequently visiting children or pets, task them to keeping these spaces clear of their toys and other debris so that movement will always be safe for anyone in your family. This is approach is not just safer for normal walking around it can also make sure that no one trips on pet toys or fallen items while carrying loads of laundry.

3: Grab Bars and Benches

Without a caregiver present in the house, there is nothing more subtly helpful to someone who has trouble getting around than grab bars and benches placed strategically around the house. Grab bars around the toilet and shower are a no-brainer, as even someone in a wheelchair needs to haul themselves around for these tasks but you can also install grab bars in other areas. A bar and bench combination in the front hall can let you rest for a moment on your way in the door after a few tiring errands or simply set down what you're carrying near the door to continue more easily.

Bars in the kitchen can make it safer in case of slippery spills and bars around the living area provide back-up for a possible loss of balance. You can even have the grab bars double as chair-rails and ballet barres depending on the room. If your caregiver is handy with a power drill, the two of you may be able to do this one independently as well.

4: Plastic Wheel Pathways for Carpet

If you have thick carpets in your living areas that are not wheel-friendly, the best way to solve this problem is the same way people with home offices make a safe space for their rolling office chairs – plastic mats that grip to the carpet. This will both make it easier for wheelchairs and walkers to move around, keep thicker patches of carpet from becoming a tripping hazard, and will protect your carpets in heavy-traffic areas.

5: Low Kitchen Work Surfaces

If the handicapped person you're preparing for is a regular resident or visits a lot, it may be helpful to include lower work surfaces, especially in the kitchen. If you have an island, it's easy to install a slide-out cutting board and a counter surface so you or wheelchair-bound friend can be a part of the chopping and chatting phase of shared meal preparation.

Making your home handicap-accessible is a lot easier than it sounds. All you have to do is think about the flow of traffic and activity, the needs of the handicapped person in question, and where you can cleverly place a variety of accessibility features to provide help without changing the overall look and feel of the home. If you or a loved one needs a little extra help getting around, you can make your home even more welcoming with just a safety assessment, a few small upgrades, and thoughtful policies.

About Comfort Keepers of Warren, NJ

Comfort Keepers provides award-winning in-home care for seniors and other adults in need of assistance with daily activities. Their highly trained and dedicated caregivers can help your loved one stay in their home for as long as safely possible—a dream come true for both the seniors and their families. Their goal is to enrich the lives of every treasured client while maintaining client safety, well-being, and comfort as each person continues to live independently despite disease and other age-related conditions.

Their caregivers, referred to as Comfort Keepers®, are carefully selected, screened, and trained to provide professional, compassionate assistance that meets the organization’s high standards. Through a unique approach called Interactive Caregiving™, Comfort Keepers' caregivers build true friendships with their clients in order to fulfill their emotional and social needs.

To find out more about Comfort Keepers of Warren New Jersey’s commitment to excellence, please call (732) 369-3639.

This release was drafted by Results Driven Marketing, LLC: a full-service digital marketing, public relations, advertising and content marketing firm located in Philadelphia, PA.

Joe Fuhrman
Comfort Keepers, Warren, NJ
(732) 369-3639
email us here

Comfort Keepers of Warren, NJ

Source: EIN Presswire

India's First Ever Cryptocurrency Fair, 
the Himalaya Crypto Summit, to arrive at Mumbai featuring Nick Szabo

Himalaya Blockchain India Week to feature Nick Szabo 25-26 May 2018

Himalaya Capital Exchange to launch White Paper at Himalaya Crypto Summit

Himalaya Capital Exchange to launch White Paper at Himalaya Crypto Summit Mumbai

Himalaya Crypto Summit arrives in Mumbai ft. Nick Szabo 25-26 May 2018

Himalaya Crypto Summit arrives in Mumbai ft. Nick Szabo 25-26 May 2018

Himalaya Labs is hosting India’s first-ever Blockchain & Cryptocurrencies event – the Himalaya Crypto Summit – in Mumbai featuring crypto pioneer Nick Szabo

We are reimagining capital markets with our blue print for a next generation smart-contract run marketplace that deals in millions of dollars in securities, with no investment banks and low fees””

— Ms Arifa Khan, CEO & Founder of Himalaya Labs

LONDON, UNITED KINGDOM, May 14, 2018 / — Himalaya Labs Ltd. is hosting India’s first-ever Blockchain & Cryptocurrencies event – the Himalaya Crypto Summit1 – in Mumbai on May 25th- 26th, 2018 during the Blockchain India Week, featuring global crypto pioneer Nick Szabo.

Himalaya Labs is a Blockchain venture owned by Ms. Arifa Khan, a crypto pioneer and the India Partner of Ethereum Foundation. She is an IIT Madras graduate, a Wharton MBA, and an ex investment banker, who has been evangelising Blockchain in India actively since 2015. After facilitating numerous successful Blockchain Summits across the world including Ethereum India Summit 2017, Ms Khan is now bringing the mega event to Mumbai.

The first-ever Crypto Summit in India will provide an inside peek on the raging worldwide phenomenon of Cryptocurrencies, views of luminaries on technological progress, challenges, dispensations from governments the world over, regulation and what it means for the future of crypto and the common man in India.

The main summit on 25 May will focus on Blockchain applications, and their mass appeal in India. It will benefit industry leaders, CEOs, CTOs and CIOs, the financial services sector, regulatory bodies, policy makers, start-ups, and researchers and will host several keynotes and panels with over 30 speakers including from NSE, SBI, and Global Financial Access. Many Indian players have tested the usage of Blockchain in areas of Trade Finance, Cross-border Payments, Bill Discounting, Supply chain financing, Loyalty and Digital Identity areas. A networking platform with global pioneers will accelerate India’s learning curve.

The Cryptocurrencies summit on 26 May throws open a unique and exclusive learning opportunity for corporates to educate their teams on the technology behind bitcoin, ether and other Cryptocurrencies, for wealth management firms to educate their clients on this new asset class, for crypto enthusiasts to trade in crypto, for the software developers, students, researchers to learn the fundamentals, and for Indian ICO aspirants to learn the practicalities of launching an ICO to raise funds. Global crypto investors, CTOs and inventors of crypto protocols will educate the audiences on nuances of creating and running self-sustaining cryptocurrency platforms, token business models and how these can be beneficially applied and integrated in various industry domains.The participants will have a chance to get educated on real Blockchain projects and meet the pioneers behind these revolutionary businesses over two days.

Himalaya Labs would be presenting their revolutionary next generation stock exchange platform – Himalaya Capital Exchange3, a crypto NASDAQ that runs entirely on smart contracts- for entrepreneurs around the world to raise capital from global investors in seconds, for legally compliant shares and bonds.

“Blockchain is the next new wave in technology and everyone, from governments to the common man, stands a chance to benefit by riding this wave. India can become a global resource provider on Blockchain, as we are the biggest producers and exporters of engineering talent and computer scientists which is a prerequisite to technical prowess for making India a global Blockchain hub. We are reimagining capital markets and paying a tribute to Smart Contracts Pioneer Nick Szabo with our blue print for a next generation smart-contract run marketplace that deals in millions of dollars in securities ” says Founder & CEO of Himalaya Capital Exchange Ms. Arifa Khan.

Crypto economy, which was valued at around $20 billion at the end of 2016, ballooned close to $800 billion by the end of 2017. Though Blockchain and Bitcoin adoption has seen a lot of traction in India since 2016 when Ms Khan hosted crypto pioneers like Ethereum’s Vitalik Buterin in India, and conducted hackathons in efforts to catalyse the ecosystem, the industry and investors are yet to grasp the fundamentals of this technology and the interconnectedness between blockchain and crypto in a useful way. There is a legitimate need and a gap in educating the common man as well as the influencers on these new technologies. The summit aims to bridge the gap.

Mr. Nick Szabo, a renowned cryptographer, computer scientist, legal scholar and the pioneer of ‘Smart Contracts’, who is among the most celebrated speakers in the summit, says: “The imposition of capital controls is a disaster for a modern trade-driven economy, a catastrophe which, however, digital technology and in particular the digital currency bitcoin, has the potential to mitigate.” He adds that “Decentralised marketplaces are the ultimate promise of Blockchain, which will have the most dramatic impact on society and economy.”

The summit will bring together the world's foremost experts, innovators and investors in the fields of Cryptography and Artificial Intelligence (AI) such as Nick Szabo, Eddy Travia, John Puttick, Arun Sharma, Sudin Baraokar, S V R Srinivas, Marc Pilkington, Sandris Murins, Rahul Bhasin, CTOs of NSE, SBI, L&T Infotech, IT secretary of Govt of Maharashtra, and legal experts from Amarchand Mangaldas, Khaitan & Co, Nishit Desai.

Government of Maharashtra is collaborating with Himalaya Labs to host Ethereum Hackathon in India, and has provided real administrative challenges for Ethereum developers to solve such as – tracking education subsidies to payment of college fees through smart contracts.

To know more, visit the website:

About Himalaya Labs Ltd
Himalaya Labs is a Blockchain venture creating the world's first decentralised capital markets platform for investors and issuers, where smart contracts do the job of investment banks and intermediaries. A traditional stock exchange is replaced by an algorithm-driven marketplace where algorithms guide the listing price, and the token economy participants regulate, curate and monitor the risks and rewards of companies accessing public capital through ISTOs “Initial Security Token Offerings”. The token marketplace plays the role of investment banks, cutting out the 10% IPO fees. Founder & CEO Arifa Khan is an IIT Madras graduate and a Wharton MBA with a background in investment banking and Cryptocurrencies.

For further details, email or contact:
Arifa Khan
(+44 7920030807)

Himalaya Labs Ltd
51, Free Trade Wharf
340 The Highway
London, E1W3ES
Arifa Khan
Himalaya Labs Ltd

Arifa Khan
Himalaya Labs Ltd
0044 – 7920030807
email us here

Nick Szabo the polymath crypto pioneer to grace Himalaya Capital Exchange White Paper Launch at Himalaya Crypto Summit in Mumbai 24-25 May 2018

Source: EIN Presswire

Understanding Your Blood Pressure Fluctuations with Abudo's Course on Hypertension

patient education on hypertension

Abudo successfully launched its online course on hypertension, providing easy and structured disease education about the highs and lows of blood pressure.

PALO ALTO, CALIFORNIA, UNITED STATES, May 14, 2018 / — In “November 2017”, Abudo successfully debuted its first online course on Hypertension with the end goal to create awareness about the disease progression and management. Hypertension, mostly referred to as fluctuating blood pressure is becoming one of the most prevalent diseases in adults. According to the World Health Organization, About 75 million American adults (32%) have high blood pressure—that’s 1 in every 3 adults and only about 54% of these adults have their condition under control. It is for this reason that Abudo is targeting patients, their friends, family and coworkers to provide health education for hypertension and stop the steady rise in the incidence of strokes and heart attacks as a result of continuously fluctuating blood pressure.

“Abudo believes that raising awareness about the disease, providing guidance about its control and advocating for appropriate policies and programmes are key strategies to fight hypertension” claims Abudo’s CEO Tariq Khurshid. He further emphasizes that “Abudo is an authentic and well-researched content provider and is one of the best platforms to address the issues regarding this widely prevalent disease”

With over 70k online health success education disseminators, Abudo’s vision reflects gaining a competitive edge by providing 100% unbiased and impartial education about Hypertension. Abudo understands that high blood pressure costs US $48.6 billion each year. This total includes the cost of health care services, medications to treat high blood pressure, and missed days of work which is why Abudo contends that despite widespread awareness, there is still a need to educate people about Hypertension, its consequences and road to effective management.

Abudo offers subsidized subscriptions for interested individuals, with an added advantage of having the first phase absolutely free. This Hypertension Course is online and available 24/7. Patients and relatives can simply sign up for a course and access it from their desktop or mobile any anywhere, at any time with absolutely no age, gender or accessibility restriction. Moreover, this one of its kind initiative by Abudo offers value adding guidelines and checklists to improve quality of life all while endeavoring to help patients and caregivers manage stress, improve lifestyle and lead a healthy life. This course is a complete informative instruction manual as well as a certified Hypertension awareness disseminator which provides value for money by giving out all the benefits for just $15.

About Abudo:
Abudo is an online health success platform providing easy, structured disease education to patients, friends & family members. It believes in passion for creating a better life, by offering a variety of courses including both, communicable as well as non-communicable diseases along with a course completion certification at the end of each course. Abudo offers value adding guidelines and checklists to improve quality of life all while endeavoring to help patients and caregivers manage stress, improve lifestyle and lead a healthy life.

Kay Kendall
email us here

Source: EIN Presswire

Florida Crime Victim Intends to Seek the Imposition of Sanctions for ‘Spoliated Evidence’ against Enterprise Holdings

America's child protector and SubscriberWise founder David E. Howe at the Office of United States Senator Marco Rubio, Washington, D.C.

America’s child protector and SubscriberWise founder David E. Howe at the Office of United States Senator Marco Rubio, Washington, D.C.

Florida is one of the small number of states that recognize a cause of action for spoliation of evidence, crime victim and survivor David Howe discovers

Because yesterday I learned that the Tortfeasor Enterprise Holdings’ National Car Rental, through its corporate counsel, does not have the evidence”

— David Howe, National Car Rental victim and America's Child ID Guardian

FORT MYERS, FLORIDA, UNITED STATES OF AMERICA, May 13, 2018 / — SubscriberWise, the nation's largest issuing CRA for the communications industry and the leading protector of children victimized by identity fraud, announced today the aggressive pursuit of 'bad faith' and 'drastic' civil sanctions against Tortfeasor Enterprise Holdings' National Car Rental by company founder and National Car Rental civil theft victim David Howe as it relates to Florida's 'Spoliated Evidence' claims.

See the comprehensive evidence exposed by fraud expert David Howe that was also presented to United States Senator Marco Rubio's legislative staff and Florida Attorney General Pam Bondi's Director of Consumer Protection Division, including AG Senior Investigators: .

"I’m not an attorney," acknowledged David Howe. "But I've executed a number of fairly complex NDA's and contracts in my career as founder, president, and chief executive of America's largest issuing CRA for the communications industry – SubscriberWise. I’m not a doctor either. But, if I accidentally cut my finger – which has definitely happened before and will certainly happen again – while slicing an apple and, after a quick shriek of pain and ouch, I see a red liquid circulating at the location of the cut, then I know that what I am seeing is called 'blood'.

"Yes, it’s blood and I, the non-physician, actually made the diagnosis all by myself," Howe proudly declared. "I didn’t even have to call the fire department, or rush to the ER, or call my primary physician with the pressing and difficult question about what the thick red stuff happened to be. Had I not known what it was, however, it may have been very scary for me. I'm sure it would have frightened me.

"Therefore, despite the fact that I don’t have a medical degree or am not licensed to practice medicine, this doesn’t also mean that I remain hopelessly ignorant about some medical knowledge and insight — otherwise obtained by professionally trained and licensed physicians who have years of education and training, for example.

"I mean, I'm not a plumber, but I do know how to flush my own toilet," Howe added. "I'm also not an electrician but I've changed at least one hundred light bulbs in my life. I'm not a mechanic, but – believe it or not – I actually know how to put air in my car tire. I'm certainly not a rocket scientist but I know the thing traveling high and fast into space is called a 'rocket'. And best of all, although I'm quite incompetent as a chef, I have indeed learned how to neatly and generously spread peanut butter and jelly onto wheat toast for an amazing afternoon snack.

"Oh, and lest I forget…I even know how to measure detergent for the wash tub, sort my own clothes, and end up with a clean load of laundry after transferring from washer to dryer and even pressing the start button without calling mom! Yes, it's amazing how much I know — how much I can accomplish — despite my lack of official credentials, professional licenses, and other specialized training, education, and academic degrees.

"The point here is simple," Howe asserted. "The point here is obvious. Like the vast majority of reasonably educated individuals, I can read and I can understand. Surprise, I actually have some common sense too. Yes, that happens for people like me — who have been around for a half-century and counting. We learn a thing or two. We see a thing or two, over those long years and decades," Howe emphasized. "We're not all dummies. We're not all fools. And we're not all suckers.

"And that's too bad for companies like Enterprise Holdings," Howe noted.

"So, the fact that a corporation – namely Tortfeasor Enterprise Holdings' and its companies National, Alamo, and Enterprise Car Rental – which was immediately notified about crucial evidence related to a pending civil case — and even an active criminal investigation by Lee Port Authority Police — would not maintain, copy, and safeguard evidence that would profoundly reveal conspicuously critical information is patently absurd.

"Frankly, it smacks of 'CODE COVER-UP, 'CODE CONCEAL' and a 'FIVE ALARM FRAUD': .

Related: Tortfeasor claims NO SURVEILLANCE in possession, UNDER COURT ORDER to produce. However, listen to the audio and hear 'we're looking at the footage…'

"Sadly, however, that’s exactly what happened," sighed Howe. "It's true. Yesterday, to my shock and dismay, I learned that the Tortfeasor Enterprise Holdings’ National Car Rental, through its corporate counsel, does not have the evidence demanded through writ of court order and subpoena duces tecum.

"And that seems really hard to believe, even for the non-lawyer David Edward Howe, particularly after the organization admitted to viewing the ‘footage’. For the record, National Car Rental admitted the absence of pre-existing damage. And they ultimately used this as a justification to demand $502.80. They implicated a renter — like they've done thousands and thousands of times before across this nation and without an iota of evidence.

"Without a trace of proof.

"Without a shred of fact.

"With nothing more than a greedy attempt to extort ill-gotten money from otherwise honest and decent people," stressed Howe.

"In other words, if you just happen to be the last person to rent the car, then the hairline scratch or the minuscule 'dimple' on the bumper — that's undoubtedly been pre-existing on the vehicle for ions — it suddenly becomes your financial nightmare. It suddenly becomes a cash-cow for an industry with a long and dirty record of very bad corporate citizenship. That's a fact.

"And that’s outrageous and anyone with reasonable intelligence and common sense, my guess even a child, would come to this very same conclusion," stated Howe.

"Thankfully — the theft, fraud, intentional negligence, and the disgrace of the ‘good faith and fair dealing covenant’ — all those abuses and more, they were intentionally perpetrated in a state where I also happen to live for part of the year. And that state is Florida…and Florida has state and federal courts that do not appreciate this bad behavior. Florida, thankfully, likes to punish and sanction this bad behavior on open dockets and for the inhabitants of the world to know, see, and understand. And, hopefully, to share and proclaim with their family, friends, neighbors and any one else who they don't want to see victimized by a predatory and shameful scheme.

"In case you're wondering, yes, the bad behavior has a name," Howe confirmed. "It’s called ‘Spoliated Evidence’. Offenders should take notice.

“A spoiler or destroyer. It is a maxim of law, bearing chiefly on
evidence, but also upon the value generally of the thing destroyed, that
everything most to his disadvantage is to be presumed against the
destroyer, (spoliator,) contra spoliatorem omnia proesumuntur.”
Black’s Law Dictionary 1573 (Rev. 4th Ed. 1968).

"So I intend, as the non-lawyer that I am, to nevertheless investigate what my options are and how I can pursue drastic sanctions through the Lee County Civil Justice system," Howe contined. "It's the appropriate thing to do, despite the fact that I have publicly and sincerely forgiven the wrong doers who engaged in this painful and horrific criminally punitive financial scheme: . The wrongdoers, I strongly contend, are mere victims of the predatory system that Congress has enabled through their inaction and failure to get things done.

"Remarkably, the behavior in the car rental industry is not too far removed from the identity fraud abuse of babies, girls, and boys — for which I proudly and aggressively defend with vigor, compassion, and integrity. Yes, each is a crime of financial desperation. And just like the actors at the car rental agency who perpetrated the fraud, as with the child identity theft perpetrators – very often a parent or guardian – I too forgive them. I only very rarely seek criminal sanctions with the state. Instead, I offer awareness and education.

"And for lawmakers and the others, I demand prevention. I demand action.

"Today I want to add the car rental industry to the list.

"Are you listening, President Trump? Are you listening, Congress?," Howe concluded.

See more about Enterprise and the related CIVIL THEFT case making its way through the civil justice system in Lee County Florida, the scene of the predatory encounter.

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Source: EIN Presswire

'FIVE ALARM FRAUD' at Enterprise Holdings' National Rental after Attorneys Make Shocking Admission to Lee Clerk of Court

CODE COVER-UP: Enterprise Holdings' National Car Rental counsel says evidence is GONE!

CODE COVER-UP: Enterprise Holdings’ National Car Rental counsel says evidence is GONE!

David E Howe, SubscriberWise founder and FICO global GOAT

David E Howe, SubscriberWise founder and FICO global GOAT

NO SURVEILLANCE! Identity fraud expert David Howe continues to expose criminal cover-up and theft while compiling a mountain of indisputable evidence for trial

In fact, I'd like Congress to set my place at the table and let me know when is a good time to return to the Hill”

— David Howe, National Car Rental victim and Child ID Guardian

FORT MYERS, FLORIDA, UNITED STATES OF AMERICA, May 12, 2018 / — SubscriberWise, the nation's largest issuing CRA for the communications industry and the leading protector of children victimized by identity fraud, announced today the STARTLING admission by the law firm Rissman, Barrett, Hurt, Donahue, McLain & Mangan, P.A., counsel for Tortfeasor Enterprise Holdings' and its companies National, Alamo, and Enterprise Car Rental.

Under court order, the attorneys have acknowledged to the COUNTY COURT OF THE TWENTIETH JUDICIAL CIRCUIT IN AND
FOR LEE COUNTY, FLORIDA, that the Defendant Enterprise Holdings' National Car Rental DOES NOT HAVE THE SURVEILLANCE demanded by Plaintiff and crime victim David Edward Howe and associated with the fraud and theft at SW FL Fort Myers International Airport, National Car Rental agency on October 29, 2016.

See the comprehensive evidence exposed by fraud expert David Howe that was also presented to United States Senator Marco Rubio's legislative staff and Florida Attorney General Pam Bondi's Director of Consumer Protection Division, including AG Senior Investigators: .

Specifically, as to the COMMAND of the Subpoena Duces Tecum, the Tortfeasor's counsel responded "None in the care, custody or control of National Car Rental."

Related: Tortfeasor claims NO SURVEILLANCE in possession, UNDER COURT ORDER to produce. However, listen to the audio and hear 'we're looking at the footage…'

"This is truly a remarkable and shocking development," declared David Howe, National Car Rental victim and America's child identity guardian. "I call it 'CODE COVER-UP', 'CODE CONCEAL', and a 'FIVE ALARM FRAUD'. Because that's exactly what this is and everyone can now judge for themselves.

"Frankly, I want to know WHERE IN THE HELL IS THE 'FOOTAGE'! I want to know WHAT IN THE HELL DID YOU DO WITH IT!," Howe demanded. "I want to know precisely and now, HOW IN THE HELL CAN IT NOT BE IN THE CARE, CUSTODY, OR CONTROL OF NATIONAL CAR RENTAL!

"Yes, just imagine for a moment," continued Howe. "That a company would initially implicate a renter without a trace of evidence of liability — without a shred of proof. And when the renter demanded evidence from the organization — that they claimed to have viewed during an audio message demanding $502.80 — the organization would assert that they've lost the evidence. That they no longer have the evidence. That they discarded the evidence. What an outrage!

"And keep in mind, the company implicated and legitimized the entire fraud based on 'wear and tear'," Howe emphasized. "The company intentionally ignored their own highly touted 'damage protocol ( read the touted policy here: ).

"And, MOST SHOCKING OF ALL AND EXACTLY AS INITIALLY SUSPECTED BY VICTIM DAVID HOWE, to substantiate a legitimate damage claim against the renter — the company damaged its own vehicle and now firm Rissman, Barrett, Hurt, Donahue, McLain & Mangan, P.A., counsel for Tortfeasor Enterprise Holdings', has proved the findings by filing an 8-page document with the Lee Clerk revealing the SUBSEQUENT damage!


"And exactly as instantly suspected at the crime scene, during the predatory event, and precisely the reason the seasoned fraud investigator snapped the one single photo that — as intended in the most dramatic fashion possible — protected victim-Howe. Yes, in the absence of that single photo, the victim — like virtually all other prey to the car rental 'ding and dent' scam would have simply had no choice but to line Enterprise coffers with the ill-gotten and stolen payment!

"Indeed, it's beyond outrageous and it better get the attention of Congress," proclaimed Howe. "In fact, I'd like Congress to please set my place at the table and let me know when is a good time for America's child guardian to return to the Hill. Of course, I'm flexible. And I'm definitely willing because so many other victims are counting on change so desperately needed: .

"To be more specific about the outrage, including the now obvious COVER-UP, I immediately contacted the company — within days of the initial fraud attempt. I told them that I was coming to see the booth surveillance, after I made a few phone calls demanding it. A manager in Miami said it is kept for about 30 days. I heard the same from a manager in Fort Myers. And according to the official Lee Port Authority Police investigation, they too made several calls to the Miami agency. Although no one should be surprise to learn, the calls from the police investigator were not returned either. The police never saw the surveillance either.

"In light of this incredible admission from Tortfeasor, including additional evidence obtained from the subpoena and filed with the Lee Clerk of the Court, I intend to issue one or more additional subpoenas. Among other things, I want to know exactly what the protocols and policies are regarding maintain digital and other evidence, particularly when the company is aware of a criminal and/or civil investigation.

"Of course since the organization ignores the 'damage' policy so brazenly and so intentionally, would it matter to know anyway," quipped Howe angrily.

"For the record, I also intend to file a motion to the court asking the court to respectfully dismiss the current dollar amount of $5000.00 which can be sought for the civil theft," concluded Howe. "Specifically, I will respectfully request the court to allow the Plaintiff to proceed under the unique Florida 'Civil Theft Statue', Fla. Stat. 772.11. The Statue allows a Claimant to recover 'threefold' the actual damages if the case is proved to a higher civil standard. From my informal accounting, I'm guessing the Tortfeasor will be looking at a 7-figure settlement."

RELATED: Listen to Enterprise agent eagerly announce the company’s arbitration policy designed to keep consumers far away from open court dockets and jury trials:

The FLORIDA CIVIL THEFT Statute (Fla. Stat. 772.11)

1) Any person who proves by clear and convincing evidence that he or she has been injured in any fashion by reason of any violation of ss. 812.012-812.037 or s. 825.103(1) has a cause of action for threefold the actual damages sustained and, in any such action, is entitled to minimum damages in the amount of $200, and reasonable attorney’s fees and court costs in the trial and appellate courts. Before filing an action for damages under this section, the person claiming injury must make a written demand for $200 or the treble damage amount of the person liable for damages under this section. If the person to whom a written demand is made complies with such demand within 30 days after receipt of the demand, that person shall be given a written release from further civil liability for the specific act of theft or exploitation by the person making the written demand. Any person who has a cause of action under this section may recover the damages allowed under this section from the parents or legal guardian of any unemancipated minor who lives with his or her parents or legal guardian and who is liable for damages under this section. Punitive damages may not be awarded under this section. The defendant is entitled to recover reasonable attorney’s fees and court costs in the trial and appellate courts upon a finding that the claimant raised a claim that was without substantial fact or legal support. In awarding attorney’s fees and costs under this section, the court may not consider the ability of the opposing party to pay such fees and costs. This section does not limit any right to recover attorney’s fees or costs provided under any other law.

See more about Enterprise and the related CIVIL THEFT case making its way through the civil justice system in Lee County Florida, the scene of the predatory encounter.

About SubscriberWise and National Child Identity Guardian for Babies for Girls and for Boys

David Howe is among the world's most productive and engaged identity fraud experts of the 21st century. Over the past two decades, Howe has directly confronted more child identity thieves than any single individual in human history. His expertise on the subject of identity theft has been shared with virtually all levels of state and federal law enforcement agencies. In 2014, Howe provided training and information concerning identity fraud to IBM's RedCell Counter Fraud and Financial Crimes Intelligence team.

Howe is also the highest achieving FICO scoring consumer in worldwide banking and financial history. Howe intends to demystify consumer credit and credit scores for individuals everywhere by sharing his story and experiences. Credit and credit scores impact many areas of one's financial life. Excellent credit offers rewards and opportunities; adverse credit limits choices and costs real money.

Hearing the facts about credit scores from the only citizen of the world – living or deceased – known to have achieved simultaneous perfect FICO 850 scores across every national repository and simultaneous perfect Vantage scores at Equifax, Experian, and TransUnion – as well as having obtained rankings in the 100th percentile across virtually every scoring model on the market – is intended to empower and encourage consumers who may be struggling with their credit and eager to get back on their feet.

Pursuing perfect credit is hardly the point and it shouldn't become an obsession; rather it is the fact that it’s possible. It requires patience and extremely careful financial maneuvers over a very long period. And because no person can control life events, set-backs are inevitable. David Howe proves it’s attainable despite his own challenges and life events during his near half-century existence on planet earth. Howe has literally invested decades with countless hours and thousands of dollars pursuing and mastering personal credit and FICO scores in particular. The effort has paid off and has not gone unnoticed.

David Howe coined the term “community-made millionaire” (while dismissing any notion of “self-made”) and uses this to describe himself and his corporate and financial successes. It may be perceived by some as arrogant, but its purpose is to motivate anyone who is reaching for their goal(s)…whatever those goal(s) may be. Howe makes it a point to admonish any person who would sell another short for pursuing their personal goals and ambitions.

"My clothes may be funny, but they're making me the money!" – Liberace

Howe was and is unsuccessful at sports and athletics; he lamented his lack of physical prowess as a boy. But thanks to his family, his friends, his co-workers, his education, his continued interest in learning, culture, and travel – as well as an uncle and scholar of American jurisprudence – who mentored and motivated him constantly…Howe reached several of his personal goals.

But the bar is set high and there will always be an agenda and an ambition for David E. Howe.

Howe is the founder, president, and majority share-holder of SubscriberWise, the nation's first and largest issuing CRA for the communications industry. Over the past decade, Howe has been consulted by every leading communications operator in the country including Sprint, Time Warner, Mediacom, Metrocast, Atlantic Broadband, Armstrong, Antietam, Comporium, Grande, Cincinnati Bell, Cable ONE, Shentel, BendBroadband, NewWave Communications, USA Communications, Packerland Broadband, GTA Telegaum, and far too many others to include here.

Howe’s passion with credit and risk management can be found everywhere in the industry today. Today SubscriberWise touches a U.S. consumer every minute of every hour of every day. In 2014, SubscriberWise was named winner in the CableFAX Tech Awards in the category of commercial software, among an incredibly competitive environment that was open to every MSO and tech vendor in North America.

Despite being a dedicated and hard worker, Howe is a vagabond and minimalist who prefers to travel from city to city – on a whim – and at his sole discretion; rarely an agenda and often no place in particular. Howe is most contented with a simple existence, an eye on health and wellness, friends and family, warm and sunny climates, and – most especially – a morning coffee and an afternoon imbibe of red wine.

Howe holds an Associate and Bachelor of Arts degree from the College of Arts and Sciences at Kent State University with an academic focus in human behavior at the macro level, political science, and public administration. He is a member of Pi Gamma Mu, the country's oldest and preeminent honor society in the social sciences and Alpha Kappa Delta, the international sociology honor society. Howe was among the first professionals in the nation to obtain the FICO Professional Certification. Howe was interviewed on the subject of perfect credit by and The Motley Fool and is the first and only citizen of the world to describe the details of perfect FICO and Vantage scores to U.S. reporters.

Professor Howe produced and published a number of videos on the subject of perfect credit including: FICO 850 Credit Report Facts and FICO Scores: The Facts ( ).

If David E. Howe can do it, then you can do it!

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Source: EIN Presswire

ASA Insurance Discusses the Advantages of Calling for an Insurance Quote in Salt Lake City

While there are more online sites offering online auto insurance quotes, ASA Insurance recommends calling an agent to get a quote for a new policy.

SALT LAKE CITY, UTAH, UNITED STATES, May 11, 2018 / — While there are more online sites offering online auto insurance quotes, ASA Insurance recommends calling an agent to get a quote for a new policy. Online websites promote the convenience of using their forms for obtaining a quote. However, ASA Insurance states multiple advantages for seeking out quotes over the phone.

To get a car insurance quote in Salt Lake City, customers can call ASA Insurance. An independent agency can provide multiple quotes from different carriers just like the online sites. This step allows the person to compare prices so they know they are getting the best deal. There are a lot of myths surrounding how a person can get auto insurance quotes in Salt Lake City. People often think shopping online is faster, but Creed Anderson of ASA Insurance says that is not always the case. “ASA can give you a quote on car insurance in four minutes or less. Many times, they can provide that quote while on the phone rather than calling the person back.” This is a big advantage if a person cannot always answer the phone because they are at work or if they want to purchase auto insurance right away.
Another benefit to calling ASA Insurance for car insurance quotes is the fact that the insurance agent knows the best insurance policy for that vehicle. It does not always come down to the lowest price. It is also about the amount of risk one has and getting the best value for the dollar. A phone call to a local insurance company ensures the person receives a personal touch. They will often talk to the same insurance person who will have information on hand so they are not starting from square one every time they call in.

A person can get more discounts when they call in for insurance quotes. For instance, the agent may be able to tell them how much it would cost to switch both their car insurance and home insurance to the same company. They can offer advice and tips on how to save money with discounts. The agent may be able to start with the amount the person can afford to pay which will also save time. If they have a limited budget to work with, the agent can adjust the quote to fit their needs instead of just presenting them with the basic policy options.

Anderson recommends customer try it the next time they need to review their car insurance coverage. “Far too many people go online and have lost that personal touch,” he says. “If they call our office, they will see for themselves how much nicer it is to talk to a live person when getting quotes on their auto insurance.”

There is no obligation when a person requests a quote, but it gives them the opportunity to talk to a person and get a feel for the insurance agency. Customer service plays a key role in convincing people to choose an insurance agency for their insurance needs.

Creed Anderson
ASA Insurance
email us here

Source: EIN Presswire

The John Smith Insurance Agency Discusses Report on The Most Stolen Vehicles in Colorado

The John Smith Insurance Agency wants drivers to know which vehicles are the most likely to be stolen in Colorado.

COLORADO SPRINGS, CO, UNITED STATES, May 11, 2018 / — The John Smith Insurance Agency wants drivers to know which vehicles are the most likely to be stolen in Colorado. The Colorado Springs car insurance agency discusses the list released by Coloradoans Against Auto Theft. This organization provided a list of the top vehicles stolen in the state. This list is quite different from the national list, which mainly includes sedans and coupes. According to the report, many of these models on the list are pickup trucks and SUVs.

While the top two models were the Honda Civic and the Honda Accord, the Ford F-250 and F-150 and the Chevrolet Silverado also made the list. The Dodge Ram Pickup was also included, along with the Jeep Cherokee. Two Subaru models were also listed: the Impreza and the Legacy. This information is important for car owners to know, especially moving into warm weather when car thefts tend to rise. Around 250,000 vehicles are stolen each year in the United States, according to the Rocky Mountain Insurance Information Association, with Colorado accounting for about 15,000 of those.

Smith explains the differences in the Colorado list and the national list. “The national list accounts for the average in all 50 states, but major regional differences exist,” he says. Smith goes on to say that in Colorado thieves want more trucks and four-wheel drive vehicles because it’s what more motorists own in the area. Thieves look for vehicles that are popular in that state so they can sell the parts they take off the stolen vehicles. It is very difficult to sell a stolen vehicle intact, which is why thieves focus on selling the parts instead. This is known as chopping up a vehicle for parts.

Colorado Springs car insurance agencies take into account the risk for a vehicle to be stolen when deciding the rates for policies. A vehicle with a higher likelihood of being stolen may have a higher insurance rate. Buyers may want to factor in this information when choosing a new vehicle to purchase. Smith also recommends taking specific steps to prevent theft of a vehicle regardless of what model it is. “Keep doors locked and windows up at all times, no matter where you’re parked or how safe the neighborhood seems,” he says. He also recommends have an anti-theft or security system installed if a person lives in a high-crime area or has a vehicle that is popular with thieves. He says to never leave a vehicle running unattended. If a person owns a convertible, keep the top up when they are not in the vehicle to prevent theft. He also suggests hiding any valuables such as a purse, wallet or electronics to make the vehicle less appealing to thieves.

No matter what make and model of vehicle a person drives, they should be pro-active to prevent theft or vandalism for the purpose of stealing the contents in the vehicle. If a theft should occur, the right car insurance policy will cover the loss for the owner.

John Smith
John Smith Insurance Agency
email us here

Source: EIN Presswire

ASA Insurance Discusses Findings For Laws Against Cell Phone Use While Driving in Utah

Representative Carol Spackman-Moss, D-Holladay wants drivers to be fined for holding their cell phones while driving.

SALT LAKE CITY, UTAH, UNITED STATES, May 11, 2018 / — Representative Carol Spackman-Moss, D-Holladay wants drivers to be fined for holding their cell phones while driving. The Utah legislator has created a bill which would allow police to find a driver $100 if they are caught with the device in their hand.

The piece of legislation, known as House Bill 64, would require all drivers to put the phone down. It wouldn’t matter whether the phone was connected via speaker or Bluetooth, they would not be allowed to hold it. According to Spackman-Moss, she believes that keeping “two hands on the wheel, both eyes on the road, that’s the ideal for safe driving.” She says she isn’t trying to stop talking and driving completely even though she feels it is the safest option. While it would be ideal to have all drivers pull over and talk on the phone, she knows it is not going to happen. However, it is already illegal in Utah to use a smartphone while driving, but new legislation would enable police officers to pull over drivers just for the one violation.

A study was conducted by the University of Utah on in-car technology for AAA. The results showed that even hands-free technology does not prevent drivers from taking their attention from the road. In fact, the study showed that they would divert their attention for over 24 seconds. However, experts believe it is still not as distracting as actually using the phone with one’s hands. The bill is set to be voted on in February and the hope is that it will pass since it is a nonpartisan piece of legislation.

ASA Insurance, a car insurance company in Salt Lake City, UT believes the law is a step in the right direction. “People’s lives are at stake,” says Creed Anderson of ASA Insurance. “Being distracted can result in a major accident.” In addition to that serious consequence, these accidents also impact affordable car insurance rates in Utah. With an increase in the number of accidents, the cost of claims force insurance rates to go up. If a driver has one or two accidents on their driving history, it will cost them when they pay the premiums. It becomes even more difficult for drivers to afford the amount of coverage they need.

Texting while driving is already illegal in Utah and many other states. However, legislators and insurance agencies believe that more needs to be done to make people aware of the dangers of talking and driving. There has already been a lot of positive response to House Bill 64, which could make the roads safer for everyone. As Anderson says, “You see it all the time; people looking at their phones even if they are talking through Bluetooth. They don’t even have to be texting to get distracted by the device.”

It is the hope that the steeper fines will discourage people from picking up their phones at all as long as they are behind the wheel.

Creed Anderson
ASA Insurance
email us here

Source: EIN Presswire