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Turning the Tide on Insurance Rates: Issues to Consider
Whereas it may seem that utilizing credit reports is a fair and effective method of determining rate structures for potential consumers, it may have some drawbacks that prove to be very costly. According to the Conning & Company study, auto insurers now employ credit scores as an accurate predictor of a person's risk profile and subsequent driving acumen. Although a person's budgetary history may shed some light on his/her spending habits, there is no direct correlation to that person's driving record and his/her chance of making a claim. In lieu of a distinct and direct causative link between credit history and auto insurance risk, auto insurers must take the following factors into consideration: age at the onset of credit history and a built-in institutional bias based on race and culture.
In contemporary America, more than half of all college-aged students possess at least one credit card, yet very few...
According to recent study conducted at Princeton University, sociologists estimate that nearly of all students entering their sophomore year of college are paying an annual percentage rate of 18.9% on a minimum balance of two thousand dollars. It is estimated that one-third of all college-aged students graduating in the year 2006 will average between $10,000-$15,000 of credit card debt by the time they attain their first job. Of course, students are always offered low-yield introductory rates, but without a distinct management strategy or a personal financial counselor, many young people are driving their scores through a roof that they can't repair even by the age of thirty. Meanwhile, according to this newly developed rubric, they will now pay a heavier price in the area of auto insurance rates as well - even after the age of twenty-five!
Although the Conning article refers to insurance scores as "objective data," (which appears to be…
Misstep and nonstops of the 21st century that have led to the current year, 2118’s destroyed environment and massively warm climate Introduction Our planet is being destroyed, at present, by drought, heat, fires and dust and a nearly irreversibly damaged and sick environment, which is impacting the lives of millions with its new dimension of climate change and associated health effects. The climate change impacts felt in the present day are in
International Regulation of Tourism in Antarctica Since the mid-1980s, Antarctica has been an increasingly popular tourist destination, despite the relative danger of visiting the largest, least explored -- and arguably least understood -- continent on earth. Beginning with the 1959 treaty establishing Antarctica as an international zone free of claims of sovereignty by nation's that had been instrumental in establishing research stations there, there has been almost constant negotiation about how
Direct to Consumer Advertising HISTORY OF DRUG ADVERTISING THE DTC ADVERTISING PHENOMENON CREATING DEMAND DECEPTIVE ADVERTISING - A WOLF IN SHEEP'S CLOTHING CAUSE OF DEATH PROFIT UTILIZATION, PRICING, AND DEMOGRAPHICS LEGISLATION, POLITICS AND PATENTS LEGISLATIVE INITIATIVES REGARDING DTC RECALLED and/or DEADLY DRUGS In order to provide the most efficient method of evaluation, the study will utilize existing stores of qualitative and quantitative data from reliable sources, such as U.S. Government statistical references, University studies, and the studies and publications of non-profit
presidential election of 1992 was a tight race, compared to others in history. The struggle between the Clinton camp, which focused on a platform involving the economy, the Bush camp, who focused on a platform whose basis was trust and taxes, and the Perot camp, who relied on a business-style economic platform, all combined to form one of the most interesting and changing races in recent years. This paper
products or service of your chosen organization, and two (2) key factors in the organization's external environment that can affect its success. Provide explanation to support the rationale. De Beers is the world's famous diamond company, established in 1888, with proficiency in exploration, mining and marketing of diamonds. More than 20,000 employees make contribution to the communities in which we work. De Beers carries out profitable business which helps the
……South African Municipalities Municipal Revenue Loss Reduction through Improved Municipal Valuation Methodologies:Balance Sheet Enhancement of South African Municipalities to Improve Rates and Taxes Revenue GenerationAbstractThis study examines the property valuation process of Municipalities in South Africa and develops a strategy for strengthening that process in order to more efficiently value properties and ultimately to enhance municipal balance sheets and increase revenue streams. This study proposes an innovative valuation method based