Massachusetts Licensed Property & Casualty Agencies
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Premium Comparison and Complaint Ratios for Automobile Insurance
2019 Premium Comparison and Complaint Ratios for Automobile Insurance Arizona Department of Insurance 100 N. 15th Avenue Suite 102 Phoenix, AZ 85007 (602) 364-2499 (1-800) 325-2548 Outside Phoenix https://insurance.az.gov Table of Contents Premium Comparison and Complaint Ratio for Automobile Insurance Introduction and Important Information 1 Unmarried Male, Age 18 Hypothetical 1: Minimum Liability Limit Quotations 2 Hypothetical 2: Other than Minimum Liability Limits Quotations 5 Unmarried Female, Age 18 Hypothetical 3: Minimum Liability Limit Quotations 8 Hypothetical 4: Other than Minimum Liability Limits Quotations 11 Married Couple, Age 42 Hypothetical 5: Minimum Liability Limit Quotations 14 Hypothetical 6: Other than Minimum Liability Limits Quotations 17 Married Couple, Age 42, with At-Fault Accidents Hypothetical 7: Minimum Liability Limit Quotations 20 Hypothetical 8: Other than Minimum Liability Limits Quotations 23 Single Female, Age 81 Hypothetical 9: Minimum Liability Limit Quotations 26 Hypothetical 10: Other than Minimum Liability Limits Quotations 29 Unmarried Female, Age 41 Hypothetical 11: Rides Bus to work 32 Hypothetical 12: Drives 15 Miles One-Way to Work 35 Family w/ 17 Year Old Male Son Hypothetical 13: Minimum Liability Limit Quotations 38 Hypothetical 14: Other than Minimum Liability Limits Quotations 41 Automobile Insurers’ Telephone Numbers 44 Coverages 46 Notes to the Hypotheticals 48 Abbreviations Used in the this Publication 48 Important Note Regarding Complaint Rations in this Publication 48 INTRODUCTION AND IMPORTANT INFORMATION Private Passenger Automobile Premium Comparison and Complaint Ratios The purpose of this Arizona Department of Insurance (ADOI) publication is to encourage consumers to do some comparison shopping for automobile insurance before making a purchase. -
CMAC February Agenda Packet
REGIONAL TRANSPORTATION COMMISSION CITIZENS MULTIMODAL ADVISORY COMMITTEE MEETING AGENDA Wednesday, February 6, 2018 at 5:30 pm Regional Transportation Commission 1st Floor Conference Room 1105 Terminal Way, Reno NV 89502 I. The Regional Transportation Commission 1st floor conference room is accessible to individuals with disabilities. Requests for auxiliary aids to assist individuals with disabilities should be made with as much advance notice as possible. For those requiring hearing or speech assistance, contact Relay Nevada at 1.800.326.6868 (TTY, VCO or HCO). Requests for supporting documents and all other requests should be directed to RTC Metropolitan Planning at 775-348-0480. Supporting documents may also be found on the RTC website: www.rtcwashoe.com. II. The Citizens Multimodal Advisory Committee (CMAC) has a standing item for accepting Public Comment on topics relevant to the RTC CMAC that are not included on the agenda. No action may be taken on a matter raised under this item of the agenda until the matter itself has been specifically included on an agenda as an item upon which action will be taken. For specific items on the CMAC agenda, public comment will be taken at the time the item is discussed. Individuals providing public comment will be limited to three minutes. Individuals acting as a spokesperson for a group may request additional time. Individuals will be expected to provide public input in a professional and constructive manner. Attempts to present public input in a disruptive manner will not be allowed. Remarks will be addressed to the CMAC as a whole and not to individual members. -
Section 9 of Ordinance 2271 Exhibit I New Economic Opportunities Analysis, Appendix E of the Bend Comprehensive Plan
Section 9 of Ordinance 2271 Exhibit I New Economic Opportunities Analysis, Appendix E of the Bend Comprehensive Plan Bend Economic Opportunities Analysis Bend’s Growth to 2028 July 19, 2016 ACKNOWLEDGEMENTS City of Bend Growth Management Department Brian Rankin Damian Syrnyk Wendy Robinson Karen Swirsky Consultant Team ECONorthwest Angelo Planning Group Bob Parker Joe Dills Beth Goodman Mary Dorman Becky Hewitt Advisory Committees Residential Lands Technical Advisory Committee Kristina Barragan Kurt Petrich Laura Fritz, Bend Planning David Ford Gary Everett Commission (PC) Stuart Hicks Don Senecal Steve Jorgensen, Bend Park Andy High Sidney Snyder & Recreation District Allen Johnson Kirk Schueler (BPRD)* Thomas Kemper** Stacey Stemach Gordon Howard, Oregon Katrina Langenderfer Mike Tiller, Bend-La Pine Department of Land Lynne McConnell Schools Conservation and Michael O'Neil Development (DLCD)* Employment Lands Technical Advisory Committee Ken Brinich Robert Lebre Wallace Corwin, Bend Peter Christoff Dustin Locke Economic Development Ann Marie Colucci Wesley Price** Advisory Board Todd Dunkelberg Damon Runberg Jade Mayer, Bend Budget Brian Fratzke Cindy Tisher Committee Christopher Heaps Jennifer Von Rohr Tom Hogue, DLCD* Patrick Kesgard Ron White William Kuhn Joan Vinci, PC Boundary Technical Advisory Committee Toby Bayard Mike Riley Thomas Kemper** Susan Brody John Russell Wesley Price** Peter Carlson Ron Ross Rockland Dunn, PC Paul Dewey Sharon Smith Scott Edelman, DLCD* John Dotson Gary Timm Jim Bryant, Oregon Dept. Ellen Grover Rod Tomcho of Transportation* Steve Hultberg Robin Vora Nick Lelack, Deschutes Brian Meece Dale Van Valkenburg County* Charlie Miller Ruth Williamson *Denotes Ex-Officio, non-voting members ** Member of Residential / Employment TAC in Phase 1, participating in Boundary TAC in Phase 2 TABLE OF CONTENTS Table of Contents ....................................................................................................................... -
SBA Franchise Directory Effective March 31, 2020
SBA Franchise Directory Effective March 31, 2020 SBA SBA FRANCHISE FRANCHISE IS AN SBA IDENTIFIER IDENTIFIER MEETS FTC ADDENDUM SBA ADDENDUM ‐ NEGOTIATED CODE Start CODE BRAND DEFINITION? NEEDED? Form 2462 ADDENDUM Date NOTES When the real estate where the franchise business is located will secure the SBA‐guaranteed loan, the Collateral Assignment of Lease and Lease S3606 #The Cheat Meal Headquarters by Brothers Bruno Pizza Y Y Y N 10/23/2018 Addendum may not be executed. S2860 (ART) Art Recovery Technologies Y Y Y N 04/04/2018 S0001 1‐800 Dryclean Y Y Y N 10/01/2017 S2022 1‐800 Packouts Y Y Y N 10/01/2017 S0002 1‐800 Water Damage Y Y Y N 10/01/2017 S0003 1‐800‐DRYCARPET Y Y Y N 10/01/2017 S0004 1‐800‐Flowers.com Y Y Y 10/01/2017 S0005 1‐800‐GOT‐JUNK? Y Y Y 10/01/2017 Lender/CDC must ensure they secure the appropriate lien position on all S3493 1‐800‐JUNKPRO Y Y Y N 09/10/2018 collateral in accordance with SOP 50 10. S0006 1‐800‐PACK‐RAT Y Y Y N 10/01/2017 S3651 1‐800‐PLUMBER Y Y Y N 11/06/2018 S0007 1‐800‐Radiator & A/C Y Y Y 10/01/2017 1.800.Vending Purchase Agreement N N 06/11/2019 S0008 10/MINUTE MANICURE/10 MINUTE MANICURE Y Y Y N 10/01/2017 1. When the real estate where the franchise business is located will secure the SBA‐guaranteed loan, the Addendum to Lease may not be executed. -
Kemper Corporation 2020 Annual Report Kemper at a Glance Kemper Corporation (NYSE: KMPR) Is One of the Nation’S Leading Specialized Insurers
Kemper Corporation 2020 Annual Report Kemper at a Glance Kemper Corporation (NYSE: KMPR) is one of the nation’s leading specialized insurers. With over $14 billion in assets, Kemper is improving the world of insurance by providing affordable and easy-to-use personalized solutions to individuals, families and businesses through its Auto, Personal Insurance, Life and Health brands. Kemper serves over 6.2 million policies, is represented by more than 30,000 agents and brokers, and has over 9,500 associates dedicated to meeting the ever- changing needs of its customers. Financial Highlights Earned Premiums Earnings Per Diluted Share Book Value Per Share Dollars in Millions Dollars Per Share Dollars Per Share Net Income BVPS Adj. Net Operating Income1 Adj. BVPS1 $7.96 $4,672 $4,472 $69.74 $6.57 $6.27 $6.14 $59.59 $3,384 $47.10 $4.37 $41.65 $36.36 $3.22 $28.22 2018 2019 2020 2018 2019 2020 2018 2019 2020 1 Adjusted Consolidated Net Operating Income 1 Book value per share excluding net unrealized gains on fixed maturities and goodwill Return on Average Cash Flow From Shareholders’ Equity Operating Activities Percentage Dollars in Millions ROAE 24.7% Adj. ROAE1 $539.2 $534.3 $448.0 16.3% 14.8% 11.4% 9.8% 7.7% 2018 2019 2020 2018 2019 2020 1 Rolling 12 months return on book value per share excluding net unrealized gains on fixed maturities and goodwill A Message from Joe Lacher President and Chief Executive Officer Kemper Corporation To Our Shareholders, This past year has been unpredictable and challenging by almost any measure. -
Here Portal Infringe the ’177 Patent
Kenneth R. Adamo Significant Lead Trial Counsel Representations (July 2019) Maxell, Ltd. v. Huawei Device USA, Inc. et al. Representing Huawei in Maxell, Ltd. v. Huawei Device USA, Inc. et al., 5:18- cv-00033, in the United States District Court for the Eastern District of Texas before Judge Schroeder. Maxell sued in March 2018, asserting infringement of 10 patents covering a variety technology including 3G cellular standards, image capture and storage, fingerprint scanners, and power management. The case is part of a global patent infringement battle between Maxell and Huawei, and Maxell has accused dozens of different Huawei devices of infringement. Huawei filed its answer on June 13, 2018. On August 29, 2018, the case was consolidated with a case against ZTE involving the same set of patents. On September 11, 2018, the court entered a docket control order setting the case for trial starting February 24, 2020, with dispositive motion deadline of September 20, 2019 and a Markman hearing on April 10, 2019. Also on September 11, 2018, the court entered a discovery order concerning initial disclosures, patent disclosures, depositions, expert discovery, etc. The court has set a case management conference for Oct. 2, 2018 to finalize a protective order and resolve certain issues relating to source code access, which will also mark the official opening of discovery. A number of petitions for inter partes review by the USPTO are in progress as well. Intellectual Ventures II LLC v. JP Morgan Chase & Co. Intellectual Ventures II LLC v. JP Morgan Chase & Co., et al., in the United States District Court for the Southern District of New York, Case No. -
Brand As an Indicator of Rate Potential: an Examination of Holiday Inn Express
Brand as an Indicator of Rate Potential: An Examination of Holiday Inn Express A Thesis Presented to the Faculty of the Conrad N. Hilton College of Hotel and Restaurant Management University of Houston In Partial Fulfillment Of the Requirements for the Degree Master of Science Amanda Belarmino May 2015 Brand as an Indicator of Rate Potential: An Examination of Holiday Inn Express A Thesis Presented to the Faculty of the Conrad N. Hilton College of Hotel and Restaurant Management University of Houston Approved by: ___________________________________ John T. Bowen, PhD CHE Dean, Conrad N. Hilton College ____________________________________ Mary Dawson, EdD CHE Interim Associate Dean for Academic Programs, Conrad N. Hilton College ____________________________________ Yoon Koh, PhD Assistant Professor, Conrad N. Hilton College Thesis Chair ___________________________________ Ki-Joon Back, PhD Associate Dean for Research and Graduate Studies, Conrad N. Hilton College Thesis Committee Member ___________________________________ Carl A. Boger, Jr., PhD Clinton L. Rappole Endowed Chair Conrad N. Hilton College Thesis Committee Member ii Dedication This paper is dedicated to my husband, Jeremy Belarmino, and my mother, Karleen Mapel, for their love and support. iii Acknowledgements I would like to acknowledge my advisor, Dr. Yoon Koh, for her support and insight in helping to introduce me to academic writing and the fascinating world of research. I would like to acknowledge Dr. Ki-Joon Back and Dr. Carl Boger for their help and support throughout -
Senate Confirms Mcnamee to FERC with Pitfalls, WECC Hears Every Democratic by Michael Brooks by Hudson Sangree Senator Voted Against the U.S
ISSN 2377-8016 : Volume 2018/Issue 4050 DecemberOctober 11 2,, 2018 RTOs/ISOs File FERC Order 841 Compliance Plans GridCONNEXT 2018 The complexity of the revisions led some By Michael Brooks grid operators to ask FERC to rule on their WASHINGTON — Storage resources seeking proposals quickly to give them enough time to to provide capacity would face much tougher implement all the changes by the deadline. requirements in some regions than others “The implementation of the revisions proposed under proposed tariff revisions filed by RTOs herein is estimated to cost SPP alone in excess and ISOs last week in compliance with FERC of $800,000, and the magnitude of the effort Order 841. requires major software and process changes Storage offering capacity would have to contin- to core SPP systems,” said the RTO, which uously supply energy for two hours in ISO-NE, requested FERC rule by March 1. but four hours in NYISO and 10 hours in PJM. NYISO requested that FERC rule by Feb. 1, Together, the filings by CAISO (ER19-468), ISO- and it further asked that its implementation NE (ER19-470), MISO (ER19-465), NYISO (ER19- deadline be extended to May 1, 2020, because 467), PJM (ER19-469) and SPP (ER19-460) total it is in the middle of “a significant upgrade” to its more than 2,500 pages. FERC, grid operators market software. and stakeholders now have a year to review, While MISO did not request an extension, it California and Illinois won the top spots on the revise and implement the plans under a Dec. -
ABA's MARKETPLACE 2020 DIRECTORY of PARTICIPANTS Omaha, Neb. Jan. 10-14, 2020
ABA’S MARKETPLACE 2020 DIRECTORY OF PARTICIPANTS Omaha, Neb. Jan. 10-14, 2020 111 K Street NE, 9th Fl. • Washington, DC 20002 (800) 283-2877 (U.S & Canada) • (202) 842-1645 • Fax (202) 842-0850 [email protected] • www.buses.org This Directory includes Buyers, Sellers and Associate delegates. It does not include Operators attending Marketplace as other registration types. Directory as of Jan. 21, 2020. To find more information about the companies and delegates in this publication, please click on the Research Database link in your Marketplace Passport, ABA Marketplace 2020 App or visit My ABA. Section I MOTORCOACH AND TOUR OPERATOR BUYERS page 4 Motorcoach & Tour Operators (Buyers) A Joy Tour LLC Academic Travel Services Inc. AdVance Tour & Travel 3828 Twelve Oaks Ave PO Box 547 PO Box 489 Baton Rouge, LA 70820-2000 Hendersonville, NC 28793-0547 Ozark, MO 65721-0489 www.joyintour.com www.academictravel.com www.advancetourandtravel.com Susan Yuan, Product Development Greg Shipley, CTIS, CSTP, CEO/Owner Chris Newsom, Contract Labor - Director [email protected] Operations [email protected] Tim Branson, CSTP, Senior Trvl. [email protected] Consultant Kim Vance, CTIS, ACC, Owner A Yankee Line Inc. [email protected] [email protected] Victoria Cummins, Reservations 370 W 1st St [email protected] Boston, MA 02127-1343 Adventure Student Travel/ www.yankeeline.us Exploring America Academy Bus LLC Don Dunham 18221 Salem Trl [email protected] 111 Paterson Ave Kirksville, MO 63501-7052 Jerry Tracy, Operations Hoboken, NJ 07030-6012 www.adventurestudenttravel.com [email protected] www.academybus.com April Corbin Simon Wright Mike Licata [email protected] [email protected] [email protected] Danielle Breshears Patrick Condren [email protected] A-1 Limousine, Inc. -
Family • Stewardship • Legacy Sometimes, the First Step Is the Hardest- Coming up with an Idea
KEMMONS WILSON FAMILY FOUNDATION | A N N U A L R E P O R T 2 0 1 4 Family • Stewardship • Legacy Sometimes, the first step is the hardest- coming up with an idea. Getting an idea should be like sitting on a pin. It should make you jump up and do something. –Kemmons Wilson The Foundation Mission Letter to the Family The Kemmons Wilson Family Foundation We are so happy to look back over the year and see all of the work accomplished. It has been a honors the legacy of its founders, Kemmons year of fulfillment as we have realigned our priorities to be more deliberate in our grantmaking. and Dorothy Wilson and builds on their We brought on Carrie Burke as the first full-time employee of the foundation and she is an commitment to transform the Greater Memphis incredible complement to our team. We reintroduced the work of the foundation to the family in community through grantmaking and programs the first annual KWFF Sunday Night Supper and invited each of you to be active in the foundation. driven by family leadership. We were blessed to move into a new office where we can celebrate more boldly the work of the foundation and convene grant partners and family around the table for meaningful conversations. We proudly introduced our new logo which is representative of our ongoing commitment to be a family of faith serving the greater community. We have expanded The Wilson Society to include Board of Directors St. George’s Independent School so we can ignite more student leaders to service. -
List of Matching Gift Companies *Verify with Your HR Dept. 3M a a & B Foundation a K Steel Foundation A
List of Matching Gift Companies *Verify with your HR Dept. 3M A A & B Foundation A K Steel Foundation A. E. Stanley Manufacturing A. O. Smith Foundation AARP Abbott Laboratories ABN AMRO Accenture Access Energy Corp. ACE INA Acuity Brands Acuson Corporation A-D Electronics, Inc. Adams, Harkness & Hill, Inc. Adaptec Foundation ADC Telecommunications Adelante Capital Management, LLC Adobe Systems Inc. ADP Advance Micro Devices Advancement Programs AES Corporation Aetna Inc. AG Communication Systems Corp. AIG Matching Grants Program Air Products and Chemicals Akzo Nobel Chemicals, Inc. Albany International Corp. Albermarble Corp. Albright & Wilson Americas, Inc. Alcan Aluminum Corporation Alco Standard Corp. Alcoa Foundation Alexander & Baldwin, Inc. Alexander Haas Martin Algonquin Gas Transmission Co. Allegheny Teledyne Allegro MicroSystems Inc. Allendale Mutual Insurance Co. Alliance Capital Management, LP Alliant Techsystems Allied-Signal, Inc. Allstate Corporation Altria Group Inc. Amazon Amerada Hess Corporation American Airlines American Brands, Inc. American Broadcast Co. American Express Co. American General Corporation American Home Products Corporation American International Group Inc. American International Group, Inc. American National Bank American National Can Co. American Security Insurance Group American Standard, Inc. American Stock Exchange American Stock Exchange, Inc. Amerigroup Corporation Ameriprise Financial Ameristar Casinos Ameritech Amfac, Inc. Amgen, Inc. Amica Insurance Amoco Foundation Inc. AMP Fdn. AmSouth BanCorp. Foundation AMSTED Industries, Inc. Anadarko Petroleum Corp. Analog Devices Anchor Capital Advisors Inc. Anchor/Russell Capital Advisors Inc. Andersen Consulting Andersons Inc. Anheuser- Busch Anthem, Inc AOL Time Warner Aon Corp. Aquarion Co. Archer Daniels Midland ARCO ARCO Foundation Arco Foundation, Inc. Ares Advanced Technology Argonaut Croup Inc. Ariel Capital Management, LLC Aristech Chemical Company Aristokraft Inc. -
Minutes of State Teachers Retirement Board Meetings
MINUTES OF STATE TEACHERS RETIREMENT BOARD MEETINGS August 19, 2021 August 19, 2021 August 19, 2021 The State Teachers Retirement Board met at the STRS Ohio offices in Columbus, Ohio, on Thursday, August 19, 2021, at approximately 9:45 a.m. The Chair, Rita Walters, called the meeting to order. The following members were in attendance: Carol Correthers, Claudia Herrington, Scott Hunt representing the Superintendent of Public Instruction, Arthur Lard, Yoel Mayerfeld, Robert McFee, Dale Price, Jeffrey Rhodes, Wade Steen and Ms. Walters. APPROVAL OF MINUTES Ms. Walters moved, seconded by Ms. Correthers to approve the minutes of the June 2021 Retirement Board meeting. Upon roll call the vote was as follows: Ms. Walters, yes; Ms. Correthers, yes; Ms. Herrington, abstain; Dr. Hunt, yes; Mr. Lard, yes; Mr. Mayerfeld, yes; Mr. McFee, yes; Mr. Price, yes; Mr. Rhodes, yes; Mr. Steen, yes. The motion carried. STRS OHIO RESPONSE TO BFS REPORT The chair recognized executive director Bill Neville for the STRS Ohio Response to Benchmark Financial Services (BFS) Report. Mr. Neville began by reviewing the background for the detailed analysis of the BFS Report he, staff and the consultants would be providing. The consultants were: Brady O’Connell, senior vice president – Callan LLC, Mike Joeken, senior vice president – Callan, LLC, Jay Klopfer, executive vice president – Callan LLC, Steve Nesbitt, chief executive officer – Cliffwater LLC, Michael Reid, vice president and client relationship manager – CEM, Karen Foley, partner – ACA Performance Services and Karyn Vincent – senior head, global industry standards and GIPS standards executive director – CFA Institute. Mr. Neville stated that the BFS Report which was released June 7, 2021, was not a forensic investigation or forensic audit.