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Most car insurances determine the amount you pay based on your credit score. The logic behind this is that those who tend to have lower credit rates are also more likely to have a poor payment history through-out their life and make more claims. This is also used to view previous credit history; if you have a poor credit history due to frequent missed payments the insurance company can protect themselves by you paying a higher rate in case you repeat your poor payment history. This is the…

strong correlation between a person’s credit score and their likelihood of submitting a claim. There has been evidence to support that those with lower credit scores cost insurance companies more compared to those with higher credit scores. From a business standpoint, it seems reasonable to use a persons credit score in determining the rate for automotive users. A company wants to know that a person they are taking a financial risk on is reliable enough to pay back the loan they have given…

Inequality has been a hot topic for America since it was founded back in 1776. The American people have always attempted to place themselves on a pedestal above one another. It did not matter who was discriminated at the time, only if it allowed that individual to have the upper hand. While a lot of these rules, regulations, and ignorant commonsensical thoughts have been dispersed, more have been shrouded from the public eye. The most deviant situation that is transpiring in society today is…

from college. The reason for these rash bankruptcies are simply credit cards because credit card companies are bringing additional credit to the consumer. Consumers get credit cards either because you have to “pay now and pay later” or because of the low introductory rate. Credit card companies usually raise these rates up before the consumer pays off their purchases. In 1995, Americans used to own over a billion credit cards. Affluenza can cause problems in relationships. It’s…

• “Mr McGee and biting flea” picture book by Pamela Allen • Other picture book from Pamela Allen of, such as “Mr Mc Gee goes to the sea”, “Mr McGee and the Perfect Nest” and “Mr McGee and the black berry Jam”. • Onomatopoeia and picture matching cards • Worksheet exercise - fill in the missing verbs and paring rhyming words exercise. Assessment: (observable measurement to assess children’s learning outcome/achievement): Students are engage in a variety of observable learning experiences.…

explain about my short, medium and long term goals and how my values affect these goals. Last year I decided to make a significant financial decision because I wanted to pay off some credit cards debt that was charging me a significant amount of money on interest. I did not know how to get rid of the credit cards debt. However, I found out that I had equity in my house and decided to refinance it and take money out. This process was difficult because I did not want to lose my home for making a…

When is the right time to purchase a home? Buying a home is a huge financial decision and moment in your life. It’s the “American Dream” to own a home with a white picket fence but it can also become an American nightmare if you are not prepared. There are three major expenses that go in to buying and maintaining a home. Your on-going costs, closing cost and down payment. Your on-going costs are the the monthly mortgage payments along with the taxes, insurance and maintenance cost of the home.…

After years of all-nighters and writing extremely long papers, you have finally walked across the stage and earned your college degree. Now, it 's off to find a job, the perfect apartment and maybe even buy yourself that nice car that you thought you could never afford. If you 're like many college graduates, it won 't be too long after you get comfortable with your new, fancy lifestyle, where you can afford pretty much anything you want, that your grace-period will end and your student loan…

people experienced a data breach if they shopped in Target stores between November 27 and December 15, 2013. According to Washington Post, more than 70 million customers not only might have had their personal information compromised but also their card data stolen. The Target breach ranks one of the worst ever security breaches in history. Not only did someone hack into Target’s security system, but it was during peak holiday months when Target stores are overrun with customers getting ready for…

stated, the first action would be to make a plan on paying off old debt. Before being able to buy another home the credit of that individual should be flawless besides the previous foreclosure. Any debt should be paid, and credit card payments should be settled. Any credit cards that are still opened should never have a late payment. This is the main reason for the budget mentioned earlier, so that the individual knows how much can be repaid each month. The reason a good credit score is…