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Investigating Discrimination in Car Insurance Premiums in California

Investigations by the Insurance Department in California

There are currently investigations by the Insurance Department in California against eight auto insurance companies suspected of discriminating racers for minority environments, as well as responses to findings by ProPublica and Customer Reports.

This is related to the existence of an article from ProPublica and Consumer Reports that found eight Californian insurance to use higher premiums in minority environments than non-minority environments at similar accident costs. While the law in California prohibits discriminatory treatment by using excessive insurance rates.

On 28 April ago deputy commissioner Ken Allen once wrote to a lawyer at the Consumers Union, “The allegations against this price is a serious offense” For that to be investigated and summarizing all the data and information needed to complete an analysis of eight companies on a file-per-file basis. The goal is whether there is true improper determination by the insurance company.

Of course the California insurance department debated the ProPublica analysis and said “The conclusions were taken incorrectly because of using the wrong methodology” as the regulatory body mentioned in an official statement.

Despite having made such statements the department decided to make an inquiry on its own, and would make a public review especially after receiving input from the Consumer Union, Customer Watchdog and also from Public Advocates.

Is there any data that they get, so what methodology they use in their review. However Allen wrote that he would ask the eight insurers to submit the “Methodology of judgment made so that discriminatory practices and automated plans”
The department will collect regularly and information obtained.

USAA, Liberty Mutual and Nationwide are the three major companies of the eight insurers under investigation.
After investigation Liberty Mutual and Nationwide refute and say they do not discriminate and they are ready to cooperate with California insurance department.

“We always provide competitive auto insurance option options, and support discriminatory free at work and business,” said Liberty Mutual spokesman John Cusolito

Nationwide spokeswoman Eric Hardgrove said “Nationwide uses tariffs based on good actuarial principles, and always uses rating and non-discriminatory factors in accordance with state rejuvenation legislation”
While USAA has not commented on the existence of the case.

James Lynch, the main actuary of the Insurance Information Institute said “We hope that the California Department of Insurance re-clarifies what it means” The wrong methodology leads to a false conclusion “”

Data from ProPubica have been researched, it is said by Lynch and hire an actuarial company, their findings have not been published.

Eight of the 21 companies have a price difference of more than ten percent led by Liberty Mutual. This is for the California area which is a highly regulated insurance market. Premiums are charged 33 percent higher than zip codes and this applies to most minority residents for similar accidents, while for USAA and Nationwide at 18 percent and 14 percent.
In other states there are also different prices but less regulated insurance.

While in Illinois, 33 out of 34 companies on average got a safe driver, it is analyzed at least ten percent. It is contained in zip code with ZIP code which mostly has other risky ZIP codes. For in Missouri and Texas half of the insurance companies charge higher premiums for high-risk minority communities than non-minority communities who are also at high risk.

We can check insurance payments in only four states because they are the only type of release data needed to compare insurance payments with geography.

This insurance payment can be seen in four states as they have the required release data type and compare it with insurance payments with the geographic system.

Six of the Democratic Congress members also fined the Treasury Department to appoint directors to the Federal Insurance Office to monitor insurance policies in minority environments. This is done by Illinois lawmakers to restrict car insurance there.

“We ourselves do not know exactly what information is needed, like everything is in the black box,” said Richard Marcantonio, a General Advocate in San Francisco who also said the California regulator did not go far enough.

Investigations conducted by departments should be done in public, and the data and analysis should be presented to the public as well. “It is very important if there is a public who sees the conclusion without foundation and must understand what goes into them” said Marcantonio

This investigation was just the beginning, Allen said to convince the Consumer Union. “Handling on ZIP code, the Department will always focus and in all the archives and subsequent plans for any insurance company” he said


This year is the final preparation for the wedding of Pippa Middleton and James Matthews

James Matthews and Pippa Middleton

James Matthews and Pippa Middleton

This year is the final preparation for the wedding of Pippa Middleton and James Mathews

Millionaire James Mathews will marry Pippa Midldleton who is already engaged and has been dubbed the most marriage of public attention this year.

Middleton will go down the aisle at 8:30 p.m. and this is one of Britain’s most luxurious events in Englefield and invited guests of about 300 people. This marriage is a historical one.

Mathews 41 and Middleton 33 agreed their marriage would be held in July and they had already prepared for the day.

Meanwhile, Sun himself claims to be a “tartan affair” to celebrate Scottish heritage Matthews because the couple will be married for less than a year.

This is a “wedding this year” and is a great day you need to know.
In addition, the spouse does not bear any fees whether the guest will be covered and includes adequate privacy.

The small village of England, however, is filled with surveillance vehicles and security guards and police officers totaling dozens of people.

The cameras have been set up all over the place, and mostly hidden behind the disguises, and the security guards are also working hard to secure the event.
In addition there are also four former soldiers who are specially hired to run the entire operation.

All hedges are also traced with the scanner to search for hidden cameras.

Spotlights are also placed on large tents so that photographer can work and at predefined positions.

For the locals are also given identity cards including their cars and also given a gold bracelet to identify them.
This wedding will also be attended by nobles and also celebrities and they have signed up well in advance.

“Nobody carries the ring” suits actress Meghane Markle who has been dating Prince Harry since last year, the actress was spotted at London’s Heathtrow Airport on Tuesday before being took to Kensington’s palace.

Markle himself was rumored to have chosen his clothes at the last moment whose purpose was not to clash with the Duchess of Cambridge on the same day.

“The goal of Meghan is to draw attention by making the same designs” they say

The same is given to James who is Middleton’s brother and also no ring and will be present with Donna Air.

This is the cause of Chris Cornell’s death

For the moment the authorities say rocker Chris Cornell died of suicide by hanging himself.

Cornell found dead In MGM Grand Detroid after several hours performing with Soundgarden at the Fox Theater on Wednesday night 17/5/2017
Soundgarden and Audioslave grunge band vocalist died at the age of 52 years.

Earlier detective police Micahel Woody said there was a 911 emergency call from someone’s hotel room and when the police arrived at the Cornell location was lifeless.

While Vicky Karayiamis wife from Cornell check her husband’s condition and this is known from a local radio

“Chris looks excited and everyone is really surprised (with his death),” said a Cornell friend who was quoted by People.

Cornel has two children aged 12 and 11 from a wife and a 16-year-old child from a previous marriage.
Cornell who was born in Seatle in 1964 has a voice range of four octaves

In 1984 he formed the Soundgarden band with guitarist Kim Thayil and bassist Hiro Yamamoto

The band became widely known in 1991 after their third album Badmotorfinger

Songs such as “Jesus Christ Pose”, “Rusty Cage”, and “Outshined” are songs that are often played on alternative rock radio radios are quite popular

Finally from the album Superunknown played on radios mainstream radio after three years later.
In the album there are songs like “Spoonman”, “Black Hole Sun”, “My Wave”, and “The Day I Tried to Live”.

At the 1995 Grammy Awards were also nominated for Best Rock Records and included in Billboard’s 200 most popular songs

Then Soundgarden broke up again in 1997 because of a dispute among its members and Cornell was solo career.
In 2001, he joined Audioslave, which included Tom Morello, Brad Wilk, and Tim Commerford.

Together with Audioslave, Chris Cornell released three albums in six years. But the band also broke up in 2007.

Cornell and Soundgarden held a reunion in 2012 and had released a recording album titled King Animal in the same year.

Besides being a musician, Cornell is also active in the social field. He founded Chris and Vicky Cornell Foundation to help street children, poor, and also victims of violence.

Cheap flights from Tiger air

Flight Tiger air $ 1

Special deal and promotion from Tiger air

What do you need to know Tiger Air flights for $ 1? The promoted ticket price runs out within five hours after the promotion takes effect at noon.

The flight between Canberra-Melbourne is offered online only to return for $ 1. So you have to go to a destination place then actually you get a discount of 50%.
A return time of only $ 1 and the time away you have to pay in full.

Obviously you brought their site. You can buy $ 39 or $ 59. Then why do not they make 50% discount promotions? It will not get attention. If making $ 1 is an ingenious marketing strategy and that is proven true within five hours of sold-out tickets.

This cheap flight ticket is valid from mid July to mid September 2017 and is available for day and night flights. The seating is limited, however.
This cheap flight ticket is available with 14,000 seats.

The promotion section always emphasizes “a dollar to return from a holiday that is less than a newspaper or bus ticket and is phenomenal for you to think about it”

Flights like this are also done by cheap flights in Europe by Ryanaair.
Anyway that can does that kind of flight is people who have the plenty of time.
For business aviation cannot do such a deal.

To produce cheap flights like this their target should be 88 to 90 percent should be full.
For example Brisbane – Sydney $ 75 outbound and $ 1 return.
In addition you also have to pay luggage costs including 7 kg carry-on, in-flight and credit card charges.

Flights with cheap tickets like this are also many in other countries including in Asian countries and generally ticket counters like this are very few possibilities are not there because it must be ordered via online and little use of labor. Avoiding transit hence the airport fee is also very large and direct to the destination. Usually flights do not take more than two hours, so as not to provide food for passengers and reduce the cost burden on passengers.

That is the marketing strategy of a flight that tries to implement low cost. Advertising is also very instrumental in the promotion and get a very high enthusiasm from the target audience who saw the ad with a vigorous promotion has done

Cheap way to clean the kitchen appliances

For students are very important to know a cheap way to clean the kitchen equipment, the goal besides saving well to the kitchen equipment is maintained clean. This is very important if students are cooking themselves for their daily needs.
Some inexpensive materials that are always around us to use to clean the equipment.

Vinegar cleans the coffee and tea stains stuck to the cup. The trick, cover the cup with two tablespoons of vinegar, let sit for 15 minutes, and wipe with a clean cloth. In addition, vinegar can also be used to clean wooden cutting board from the bacteria that cause smelly and moldy wooden cutting board. The trick, coat wooden cutting board with vinegar, let sit for 15 minutes, then wash them clean and dry in the sun to dry.
Read also The kitchen is perfect for student

Baking soda cleans plastic containers. Soak plastic container with a mixture of four tablespoons of baking soda and one cup of water, and let stand for 15 minutes. Rinse with clean water and dry immediately to avoid staining. Baking soda can also clean the sink, made of stainless steel material. The trick, moisten the cloth with a solution of baking soda, then rub into the surface of the sink, then rinse with clean water and dry with a dry cloth.

Rusty kitchen equipment can be cleaned with a solution of tea water. The trick, brewed black tea until thick, then soak rusty kitchen utensils in it for several hours. Furthermore, the crust clean it using a clean cloth until the rust is gone.  Choosing flooring for kitchen

Cream of tartar is used when the kitchen utensils made of aluminum which has long been used will usually appear black or rust. Clean it with one liter of water mixed with two tablespoons of cream of tartan. Water Boil this mixture for one minute shared kitchen tools made of aluminum. Then, remove and clean them with a sponge until clean.

Lemon rind is used to clean the cutting board. The trick, cut lemon peel, sprinkle a cutting board with salt, then rub board to be cleaned with lemon zest. Allow the cutting board for 15 minutes and rinse with clean water. Lemon juice can also be used to clean the oven or microwave. The trick, make a mixture of one teaspoon of baking soda, two teaspoons of lemon juice, a quarter teaspoon of dish washing liquid, and two cups of hot water. So much easier, pour the mixture into spray bottles. Then, spray the oven or microwave the stains and rub with an old toothbrush and then dry with a dry cloth.

To be more durable and stays clean when to use, follow these tips:

The kitchen equipment made from plastic will easily smell and stains water spots. This can be avoided by washing kitchen utensils made from plastic using liquid dish washing soap, immediately after washing, kitchen appliance should be dried with a clean dry cloth, to avoid white patches caused former dried water spots.

Nonstick equipment will be durable if it had not been washed in hot conditions so that the nonstick coating was not chipped. After use, wait until the cold nonstick pan. After that, clean and straight and dry to maintain the quality of the nonstick coating.

Cutting is one kitchen tool that is often used. So, do not use a cutting board for all food ingredients together. Separate cutting boards for meat and fruit. This could expect bacterial contamination. Of course, immediately wash cutting boards after cutting boards are used that are not moldy.

Read also   How to make your kitchen look bigger

The kitchen is perfect for students

Kitchen suitable for students is very important, although there is a canteen for students at the university to provide the needs of the food for them, it’s just that at home there must be a kitchen match and even better if they could also bring food from home for the needs in the school if a day of on-campus course only if this is possible.

Generally, for students living away from the family, where the kitchen becomes important. However, the ability to cook is still modest, however the kitchen could make the students prepare the food themselves to save costs.

Information for Kitchen cabinet refacing

Therefore some necessary kitchen equipment such as

1. Dispenser cereals

Busyness students often make them skip breakfast. They did not even have time to open a cereal packaging, and choose to use the time to get ready for college. To that end, the presence of a cereal dispenser can makes breakfast becomes more practicable. There are five dispenser that can be filled with various types of cereal or a snack, depending on individual taste.

2. Available meal for pets

Young people were the age group most like to keep a pet. This makes the concept of a kitchen that puts a meal for your dog or cat near the sink is highly sought after. Where to eat pet is put on a shelf or bottom drawer, so apart from a place to store food for humans.

3. Kitchen round

With the circular kitchen concept, students can cook at once chatting with her friends. The kitchen is very minimalist and can store a variety of fresh foods on the shelves provided. Shelves that can be assembled even easier for students to clean up or dispose of unused material.

4. Robot pizza maker

Besides busy, not a few students who are lazy to cook. This makes them want a robot pizza maker. Miraculously, this tool can enters themselves into the kitchen cabinets when not in use. If such a device actually exists, it is not possible so students feel at home in a rented or dorm.

Read more  Kitchen improvements

Lecture and discussion methode

One method to increase the knowledge acquired is discussion. The learning process can be accomplished in many ways not just in a class lecture has given by a lecturer in question, but the material that can be deepened with college buddies with the correct method of discussion.

Learning not only in college but also after school means lifelong learning. The educational process has been developed with a very long time. Actually, the college has also developed teaching strategies to produce quality education. The methods used such as lectures, active learning, cooperative and of course the method of discussion.

In the most common class is a lecture. It is common practice in the classroom throughout the world. Lecturers will provide some information to the student with the same time. The limited time in class sometimes make students should explore the information provided to reset the assigned material thoroughly understood by students.
Weakness lecture method is quite difficult to measure how much students explore the information that has been provided.

To the next level is the case method. Lecturers will provide a case to be solved. Students will be forced to be more active with the debate the issues faced in the case and its relevance.
Discussion method would require students to solve problems with the reading group discussions were also assigned to the student. With this method students will look active and the most appropriate method in the teaching process. Lessons will not be one-way but a two-way and will be able to develop the issues that have been assigned to students. From the results of the study have demonstrated student learning will be enhanced by the method of this discussion.

There is also a discussion of the method combining with the lecture method. Lecturers will monitor participate discussions with students. The disadvantage is the doses will have an extra workload.
With student discussion method will be prosecuted to the percentage of the material to be discussed. Students who are shy will not participate. Teachers will provide the proper techniques so that student will be active even give orders if needed.

With the method of discussion will provides cooperative learning and will teach students to obtain the necessary information.
All methods in the learning process have the positive and negative aspects. This teacher should be more creative by combining several methods that the maximum results obtained by the student.

Student budget


Student budget is something that is difficult for beginners but can be minimized by making the budget a regular habit.
You have to know how much budget you have so you can manage your money as possible. You can just use the financial management for your student budget. Spreadsheet will suffice.

Before you create a budget you have to ask yourself how much money you receive each month. The budget you received it can consist of student and parent loans. If you have any odd jobs you can add one as well.

If you already know the average amount of your revenue then you calculate the amount of your expenses each month. It is quite difficult is how much you are spending on average every month since it can be unstable and this could have the cost you a lot. Thus your chances of getting a negative difference. You must achieve a real student budget with revenues comparable to the maximum acceptance.
If not there is a negative balance then you should revisit your budget such as food, boarding fees, electricity, water bills if payment has not yet entered the dormitory, tuition, books, and personal equipment.

Preparation of the budget should also be considered in case of emergencies are in need of money. It does not matter if you are looking for extra money, especially on the eve of Christmas because on that day you will need more money to buy Christmas supplies for your loved ones. All that you need to prepare so that you are not surprised by a mountain of debt if you do not prepare well.

It seems simple but most students do not graduate in managing their finances. if you managed not to stop making such plans. Something that you notice is the patience and self-control so that you truly master your budget so that will brings life financially successful. It would also be useful after you finish your studies.

Activities in entering university life is associated with joy and fun. However students must learn self-starting stage of their lives so that they are truly critical thinking, decision making, especially in budgeting their finances.