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Immigration Consultant Bonds Overview — Immigration Consultant Bonds from Allstar Fina...r the risk. How quickly can you get a bond issued?Turnaround varies by state a...

Miguel Angel Fragoso-Hernandez sets goal of medical career in Watsonville WATSONVILLE >> At Pajaro Valley High School, Miguel Angel Fragoso-Hernandez is known as Nino, or Kid, a nickname bestowed during his freshman year, when, a year younger than most students after skipping first grade, he was the smallest player on the junior varsity soccer team. But Fragoso-Hernandez, now a 17-year-old graduating senior and class valedictorian, has another title in mind: doctor. He'll take a step toward achieving his career goal when he enrolls at UC Berkeley in the fall to study biology or biochemistry. At a graduation ceremony Thursday, he plans to remind his classmates how they reached this point in their lives. "It's not like you did it on your own. Your teachers helped you. Your parents helped you all through your life," Fragoso-Hernandez said. "At the same time, (the graduates) sit here because they worked for it." Fragoso-Hernandez will speak from experience. His parents, Martin Fragoso and Julia Hernandez, emigrated from Santiago Tulantepec in Hidalgo, Mexico, to the U.S. in their teens. They were very poor, Fragoso-Hernandez said. His father scrounged from garbage cans to get enough to eat. His mother, living on a rural ranch, watched two siblings die in childhood. Here, they worked in the fields at first, but later Miguel's father became an auto mechanic and eventually bought the business from his boss. After volunteering at Freedom Elementary School, his mother was hired to supervise students at recess. As the family's income improved, they were able to move from a series of crowded garages into a three-bedroom apartment in a Holohan Road complex. Though he was only 7 at the time, Fragoso-Hernandez recalls his amazement at the space and the fact that the apartment had its own kitchen. Growing up, he watched his father work two jobs at times, and his mother devote herself to work and raising three sons. But he didn't understand what they were trying to accomplish until high school. "I thought they came to find a better life for themselves," Fragoso-Hernandez said. "I didn't realize until my sophomore year that the ultimate goal was to have a better life for their children." Though neither Fragoso nor Hernandez went to school past the sixth grade, they knew education was the key to reaching that goal, and they instilled that value in their children. Fragoso-Hernandez said math and science captured his interest at any early age. He paid attention as his older brother did his homework, and by the end of kindergarten he had mastered multiplication. He finishes high school with a 4.24 grade point average. In addition, he was a forward on the varsity soccer team for three years, and has worked as a math tutor in an after-school program for elementary students since he was 14. His father's struggles with poor health led him to decide on a medical career, either as a general practitioner or a surgeon. "I grew up seeing him with all these problems, and I wanted to be able to do something but I couldn't," he said. "I want to be able to do something for someone in the same situation." When Fragoso-Hernandez was in middle school, the family moved to Gilroy, but he and his two brothers, Eric, a sophomore at Cal State Monterey Bay, and Marco, a seventh-grader at Lakeview Middle School, elected to commute each day so they could remain in Watsonville schools. The three brothers were born in Watsonville, and Fragoso-Hernandez considers the city home. Once he earns his medical degree, he plans to return. "Without Watsonville, I wouldn't be where I am today," he said. "I want to give back to this community." Content provided by http://www.santacruzsentinel.com/education/ci_25899165/valedictorian-credits-immigrant-parents-providing-opportunity

SAN JOSE, Calif. (AP) — After 17 years on the force, San Jose Police officer Huan Ngyuen had learned not to get emotionally involved in his work. But then one got through. On May 6, a road rage slaying in his Little Saigon neighborhood, on the streets where he grew up and now patrols, took the life of a Vietnamese immigrant like himself. The victim was a 37-year-old bus driver who left behind a widow and two young children, one with severe autism. "We try not to get emotional, but sometimes these things really affect me," Nguyen said. "It kind of hit the soft core of my body." Ngyuen and his colleagues sent texts to friends and family asking if they could help the widow. Then, at his friends' urging, he launched a website, hoping to raise a few thousand dollars. Word spread quickly: Now, less than three weeks since the murder, nearly $100,000 has poured in from the local Vietnamese community and far beyond, including Houston, Boston, New York, even London. "I'm very thankful, and I'm very surprised," said widow Dieu Huynh, a limited English speaker whose husband's cremated remains were buried last weekend. Sinking into her couch with her 4- and 7-year-old sons, she fought back tears, telling Ngyuen in Vietnamese how her youngest son, Steven, keeps asking her to call his father. Her older son, Henry, can't talk, but hugs and kisses her. Unable to function independently, Henry dashes out the door into the street if left unattended, has seizures, and will need a lifetime of constant care. "When I met this family, I could see they were going to need help," said Ngyuen, himself a father of two. "It really, really got to me." National Center for Victims of Crime Executive Director Mai Fernandez said online, crowd-sourced fundraisers are increasingly common for crime victims, but usually it's friends or family who launch them. "I've never heard of a police officer stepping in like this. This sounds like a really special person," she said. "When there's a tragedy out there, there are a lot of heroes who step up. It's amazing to see the outpouring of generosity of the public. Humankind really does care about each other." Ngyuen, who sought approval before reaching out publicly and has the full support of San Jose Police Chief Larry Esquivel, said he's shy about being in the spotlight. "But this isn't about me at all," he said. "My job is to help others. No amount of money can replace their dad, but this can help those boys as they grow up." Ngyuen also is keeping an eye out on his patrols for the suspect who shot Huynh's husband, Phuoc Lam. That morning, with a rare few hours free, Lam and Huynh were doing errands for her upcoming birthday party. Suddenly Lam slammed on his brakes to avoid hitting two men in a Volkswagen Jetta who pulled out of a mobile home park driveway in front of him, police said. Lam climbed out of the driver's side to survey the scene. Words were exchanged, and as Huynh was stepping out to see what was going on, her husband was shot. Police said she told them she saw Lam fall. Huynh doesn't speak of it in front of her children. But at that moment her life crumbled. Read the entire story here. Content provided by http://www.huffingtonpost.com/2014/05/26/san-jose-police-officer-raises-money_n_5393027.html?utm_hp_ref=good-news

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Artisan Contractors Insurance Allstar Financial Group’s Artisan Contractors Insurance program, offered through Allstar Underwriters, is designed for independent agents and brokers seeking comprehensive and flexible coverage options for small to mid-sized artisan contractor clients. With access to multiple carriers and tailored underwriting expertise, we make it seamless to quote, bind, and service policies across a broad range of trades and project types. Ideal Accounts and Appetite Our program is an excellent fit for general and specialty artisan contractors involved in residential, commercial, or mixed-use projects. We welcome accounts such as: Electrical, plumbing, and HVAC contractors Carpenters, drywall installers, and painters Masonry, roofing, and flooring professionals Remodelers and small general contractors We also consider risks related to habitational, office, retail, institutional, wholesale, and vacant property exposures. Uninsured subcontractors can be considered, and policies can be tailored for project-specific needs. This program is designed for agents with clients who need a responsive market for both straightforward and more nuanced construction risks. Coverage Highlights and Advantages Casualty Coverage: Available as monoline or package policies Minimum premiums starting at $500 Primary limits available up to $5M/$5M Project-specific policies available Optional coverage enhancements including: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project/Per Location Aggregates Hired & Non-Owned Auto (select classes) Misc. Professional Liability (select classes) Umbrella Coverage: Limits up to $5 million Minimum premiums starting at $750 Available on a supported or unsupported basis Umbrella policies require underlying carriers with AM Best ratings of A-VI or better for Auto/GL and B++ or better for Employers Liability. GL limits of $1M/$2M/$2M are required. Underwriting Highlights and Minimum Premiums Our underwriting team focuses on responsiveness and flexibility. Minimum premiums vary by class and coverage, starting at $500 for casualty and $750 for umbrella. We work with agents to find the right structure for each account, whether it’s a standalone policy or a complete package. Example: You might have a contractor client specializing in residential remodeling who uses a few uninsured subcontractors. Our program can accommodate this setup while offering the coverage enhancements needed to satisfy project owner requirements. Territories and Market Availability This program is available in most states, with a focus on AL, GA, LA, MS, NC, SC, TN, and VA. We operate on a non-admitted basis, giving us the flexibility to tailor solutions outside the standard market. Why Work With Allstar Financial Group? Allstar Financial Group is a trusted Managing General Underwriter and E&S Broker with deep experience in contractor risk placement. Our small business solutions division is built to support independent agents with fast quoting, knowledgeable underwriters, and access to multiple quality carriers. Whether you're working on a single artisan policy or a bundled package for a growing contractor, we streamline the process and help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized artisan contractors, including electricians, plumbers, HVAC techs, painters, roofers, and general remodelers. Can the program accommodate uninsured subcontractors?Yes, accounts with uninsured subcontractors can be considered based on underwriting review. Is this coverage available on an admitted basis?No, most coverage is placed on a non-admitted basis to provide greater flexibility in terms and structure. In which states is this program available?The program is available in most states, with a core focus on AL, GA, LA, MS, NC, SC, TN, and VA. Are project-specific policies available?Yes, we offer project-specific policies and can tailor coverage to meet the needs of individual jobs or contracts. Need help placing an account? Connect with a market specialist.