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What Factors Are Used For Determining Car Insurance Rates? – Press Release

September 28, 2020

LOS ANGELES, CA / ACCESSWIRE / September 28, 2020 / Compare-autoinsurance.org (https://compare-autoinsurance.org) has launched a new guide that presents the main factors used to calculate car insurance rates.

Car insurance companies will analyze multiple factors in order to determine the insurance rates paid by a customer. Some of these factors can be influenced by the drivers and they can make insurance premiums to be cheaper or more expensive.

Some of the most important factors used to determine car insurance rates are the following:

The safety rating of the vehicle. Policyholders who want to pay lower insurance rates should choose to purchase a vehicle that has a high safety rating. Independent agencies like IIHS and NHTSA determine the safety rating of a vehicle after analyzing several factors. The likelihood of a vehicle being involved in a car crash and how likely are passengers to be injured in an accident

Stocks surge as investors hunt for bargains

September 28, 2020

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BMO Capital Markets chief strategist Brian Belski argues current market dips are normal.

U.S. equity markets rallied Monday as investors were on the hunt for bargains after a fourth straight week of losses.

The Dow Jones Industrial Average gained 372 points, or 1.37%, in the opening minutes of trading while the S&P 500 and the Nasdaq Composite were higher by 1.41% and 1.55%, respectively.

The early gains put the Dow and the S&P on track to snap their four-week losing streaks. The Nasdaq, meanwhile, looks for a second consecutive weekly advance.

CHEAP DOLLAR WON’T REVIVE NYC REAL ESTATE MARKET ANYTIME SOON

Mega-cap tech stocks including Tesla Inc., Apple Inc. and Microsoft Corp. were all higher.

Amazon Inc. will hold its Amazon Prime Day on Oct. 13-14. The annual event, which is typically held in July, was postponed due to COVID-19.

Meanwhile, cruise operators and airlines gained amid continued optimism surrounding

Insurance industry shows resilience amid Covid-19

September 28, 2020

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By Martin Hesse 31m ago

CAPE TOWN – KPMG has said that the country’s insurance industry was financially healthy last year and had shown resilience in weathering Covid-19 this year.

The auditing firm said in its South African Insurance Industry Survey that the pandemic had, however, forced the industry to reassess the risks it faces, adopt new ways of operating and accelerate its shift to digitisation.

KPMG said the industry reported gross written premiums (GWP) of R110.6 billion in 2019 – a 7.6 percent increase from the recorded performance in 2018. It said the top five companies that realised the growth were Santam, Hollard, Old Mutual Insure, Guardrisk and Renasa. The overall claims (loss) ratio was 58.9 percent from 55.3 percent in 2018.

KPMG partner for financial services Pierre Fourie said: “A further feature was the focus on reducing the

UPS Hits Record High, FedEx Extends Gains on Broker Upgrades

September 28, 2020

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FedEx Inc. (FDX) – Get Report shares jumped higher Monday, while UPS Inc. (UPS) – Get Report traded at an all-time high, after analysts at Deutsche Bank and KeyBanc boosted their ratings on the world’s two biggest package delivery groups on the back of improving pricing trends in the sector.

Deutsche Bank analyst Amit Mehrotra lifted his rating on the stock to ‘buy’ from ‘hold’, with price target to $318 per share, citing what he called the markets underappreciation of pricing power for both FedEx and its main U.S. rival, UPS.

“We project Ground margins to be up at least 300 basis points – the best year-on-year improvement in Ground margins in any quarter since at least 2012, reflecting accelerating yield (revenue per shipment) and decelerating cost per shipment,” Mehrotra wrote in a client note.

FedEx shares were marked 2.80% higher in early Monday trading to

7 Ways To Volunteer Your Time, Money, And Efforts This Thanksgiving

September 28, 2020

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Photo credit: The Washington Post - Getty Images — Photo credit: The Washington Post – Getty Images

From Delish

Giving back year-round is important, but many feel especially called to do so during the holiday season, beginning with Thanksgiving. In the spirit of giving, we’ve rounded up some organizations that need your support around the holidays, ways you can find volunteer opportunities in your area, as well as other ways you can give back this Thanksgiving.

Things might be a little different this year due to restrictions from COVID-19. Do a little extra research to make sure individual organization locations are operating normally near you. (Looking for other charities you can donate to? Find some of the best ones here.)

Meals on Wheels.

This established organization brings nutritious meals to seniors who are at risk for hunger year-round, but they ramp up efforts around the holidays. You can find volunteer opportunities near you here.

Volunteer to go grocery shopping.

Exclusive: Lagarde’s Peace at Risk as ECB Splits Over Virus Response – Sources | Investing News

September 28, 2020

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By Balazs Koranyi and Francesco Canepa

FRANKFURT (Reuters) – European Central Bank policymakers are increasingly divided over how to steer the economy through a second wave of COVID-19, threatening President Christine Lagarde’s hard-won peace, conversations with eight ECB insiders show.

Lagarde has managed to end the public infighting that left the ECB in disarray in the final months of Mario Draghi’s tenure last year and she has seamlessly pushed through several record stimulus packages to keep the economy afloat amid the pandemic.

Her pledge to seek consensus and bring sceptics onboard is in stark contrast to her predecessor Draghi, who rarely engaged key opponents of his policies and signalled moves even before any discussion within the Governing Council.

But tensions are rising again as a fresh surge in infections forces the ECB to contemplate even more stimulus, with old rifts resurfacing and chief economist Philip Lane coming under fire from

What Are The Main Penalties For Driving Without Car Insurance?

September 28, 2020

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Press release content from Accesswire. The AP news staff was not involved in its creation.

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LOS ANGELES, CA / ACCESSWIRE / September 28, 2020 / Compare-autoinsurance.org ( https://compare-autoinsurance.org ) has launched a new blog post that presents what penalties can be given to drivers caught driving without car insurance.

For more info and free car insurance quotes online, please visit https://compare-autoinsurance.org/penalties-for-driving-without-insurance

To legally drive in the US, drivers need to have car insurance. Except for New Hampshire, all the other states impose a minimum form of liability car insurance. Driving without insurance can be a huge mistake. The penalties that the drivers caught driving without insurance have to face can be quite severe.

The most common penalties for driving without insurance are the following:

Traffic tickets. Hefty fines are the most common penalties applied to drivers caught without insurance. Depending on the state’s law, traffic

4 Spectacular Funds From a Booming U.S. Housing Market

September 28, 2020

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While the U.S. economy continues to bear the brunt of the coronavirus pandemic, the U.S. housing sector has emerged as one of the bright spots, giving investors an opportunity to make the most. A series of recent data from the housing market has underscored that this sector has shown consistent growth despite the health scare.

Per the Commerce Department’s recent report, new home sales increased by 4.8% to a seasonally adjusted annual rate of 1.011 million in August. The figures surpass July’s revised new home sales of 965,000 and the consensus estimate of 890,000. New home sales have increased 43.2% in the past month compared to a year ago. In fact, August’s new home sales now put the economic parameter to the highest level since September 2006.

The housing industry has witnessed a solid V-shaped recovery since May and is on track to surpass its pre-pandemic levels. Record low mortgage

First Mover: Bitcoin Low Exchange Balance Looks Bullish but Chart Looks Bearish as $11K Nears

September 28, 2020

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Blockchain provides uncanny transparency into crypto-market data, lately indicating that investors have taken their bitcoin off of cryptocurrency exchanges.

ThereÃ¢ÂÂs a degree of transparency in cryptocurrencies that doesnÃ¢ÂÂt exist in traditional markets like stocks and bonds: Thanks to data thatÃ¢ÂÂs easily extracted from blockchains, everyone can see everyone else moving their money around.ÃÂ

That means traders can keep an eye on exchange wallets to gauge whether investors and crypto miners are getting their bitcoin into position for a possible sale Ã¢ÂÂ or taking balances down from the exchanges in anticipation of holding for the longer term.

The latter might be whatÃ¢ÂÂs happening now, CoinDeskÃ¢ÂÂs Muyao ShenÃÂ reported Monday. Total balances of bitcoin on major exchanges has hit its lowest levels since November 2018. It could be an indication of bullishness among bitcoin traders.

Related: The Inevitable Marriage of Yield Farming and NFTs, Explained

Ã¢ÂÂThereÃ¢ÂÂs no reason to sell now,Ã¢ÂÂÃÂ Mike Alfred, CEO of Digital Assets Data, told Shen in a phone interview.ÃÂ Ã¢ÂÂWhy would you be selling when youÃ¢ÂÂre

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Meals on Wheels.

Volunteer to go grocery shopping.

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