...UNSURANCE The Ugly Truth about Unethical Business Practices in the U.S. Insurance Industry “Because there is no such thing as a 'good neighbor' who is 'on your side' with 'good hands' holding an 'umbrella' that will keep you and your pet gecko dry when mayhem strikes. Unfortunately, you'll have to take 'responsibility' for yourself—which also means that you may have to hire a lawyer.” –Chris Davis, Attorney at Law By Chris Davis, Attorney at Law References in quote: Travelers Insurance - Umbrella logo. Geico Insurance - Gecko mascot. State Farm Insurance - Tagline 'Like a good neighbor..."Allstate Insurance - Tagline "You're in good hands." Nationwide Insurance - Tagline is 'On Your Side" Liberty Mutual - Tagline "Responsibility" UNSURANCE: The Ugly Truth About Unethical Business Practices in the U.S. Insurance Industry Davis Law Group, P.S. 2101 Fourth Avenue Suite 1030 Seattle, WA 98121 Phone: 206-727-4000 Fax: 206-727-4001 info@injurytriallawyer.com www.InjuryTrialLawyer.com Copyright © 2014 by Davis Law Group, P.S. All rights reserved. No part of this report may be reproduced, stored in a retrieval system, or transmitted by any means, electronic, mechanical, photocopying, recording, or otherwise, without written permission from the author. Printed in the United States of America. There is no attorney-client relationship unless the attorney and the client sign a written agreement. Your receipt of information from this website, receipt of books or reports via mail...
Words: 5256 - Pages: 22
...15:46 pm, I make cash withdrawals at ATMs BNI (Bank Negara Indonesia or Indonesian Bank) branch Klampis Surabaya Rp1,000,000, but it was came out only Rp950.000, though my bank account already count 1,000,000 as withdrawal. I report directly to the customer service BNI branch Klampis and asked to complete written reports. On Monday, August 27, 2007, when I have some savings on print book teller BNI, listed 50,000 refund on August 24, 2007. But, August 28, 2007 when I re-requested printed, 50,000 of money, it has taken / credited back. According to customer service BNI, it happened because it was considered there was no difference in the ATM transaction otherwise altered so successful and did not return my money. Although there were not many, but nevertheless I still impaired by ATM BNI. Previously, I have also experienced a similar ugly incident at the ATM BCA (Bank Central Asia) with a lack of money is greater. Around May 15, 2009, I withdraw cash at BCA ATM in Jakarta about Rp1,000,000 but in fact, money that comes out just Rp250,000 or less Rp750,000 whereas the contents of my bank account has been reduced Rp1.000.0000. I immediately make a report by phone to the BCA Access Center. Furthermore, I also suggested make repeated telephone and written report on the BCA branch, the exact location while I withdraw the money. However, after...
Words: 431 - Pages: 2
...Pasley Bullying in School Bullying in school has been going on for decades and has been a constant issue that was not spoken about or dealt with for many years. Students being made fun of really had nobody to turn to for help to have bullying stopped. According to authors’ Aluede, Adeleke, Omoike & Afen-Akpaida, “bullying research began in the 1970’s after author Dan Olweus began and wrote a book about it.” (2008, p.152). Olweus book is considered the first study of bullying. (Noelle, 2005). For the past few years bullying in school has become a topic of open concern. Bullying in schools has become a nationwide problem and schools need to be held accountable because the students are in their care, bullying has caused students to commit suicide, and bullying has led to students dropping out of school. Bullying in school happens while students are in their care. Teachers are present in school all day and must make the effort to stop bullying when they see it happening. School faculty should be able to report all cases of bullying to the Police and the Department of Education. According to an authors’ Dagman Strohmeier and Gil Nolan, “Educators often do not pay enough attention to the fact that bullying is usually not a single event; rather it happens repeatedly over a period of time.” (2012, p.8). Since teachers make up a big part of the school system this is one reason for schools to be held accountable for the bullying going on in...
Words: 1260 - Pages: 6
...Consumer Behaviour Report Crocs : A brand in need of repositioning in India. Sushree Panda FT13180 • Section A • Great Lakes Institute of Management, Chennai 1 TABLE OF CONTENTS Introduction................................................................................................................03 Crocs in India : To reposition or not? ............................................................................04 The best way to reposition ...........................................................................................06 Conclusion.................................................................................................................07 References..................................................................................................................08 Sushree Panda • Consumer Behaviour Report • Great Lakes Institute of Management 2 INTRODUCTION You know your brand needs a repositioning when a fashion consultant like Tim Gunn makes a statement "...the Croc - it looks like a plastic hoof. How can you take that seriously?" Well, being taken seriously is definitely not what CROCS INC. is looking for as the brand itself stands for innovation, fun and comfort for the people who want shoes that conform to their personalities and lifestyles, as well as to their feet. Crocs introduced an innovative shoe made of a revolutionary material called Croslite. The technology was unique as it allowed the shoe to perform both on land...
Words: 1884 - Pages: 8
...HOW DOES WORKING EXTENDED HOURS IMPACT YOU? Prepared for Written Communications Subject: Report on the impact that working extra hours has on you. Enclosed is a report on the relationship between hours worked, productivity and the impact that is has on us for Written Communications class. This report covers the trends and statistics of working Americans and how it may affect productivity as a whole. It also discusses how the extra hours are affecting Americans health and family life, which in return affects the production This report contains information about how working extended hours can affect our lives in many ways; including our sleep, health, home life, children and production on the job. We are becoming working machines and not taking care of ourselves. I would like to extend thanks to Juliet B. Schor who is a professor at Harvard University. Julie wrote a book The Overworked American: The Unexpected Decline of Leisure (1991) and also to Alexander Kjerulf. Alex is the author of 3 books including the international bestseller Happy Hour is 9 to 5 – How to Love Your Job, Love Your Life and Kick Butt at Work. These two individuals had great online information available from their books that assisted me greatly in my research. If you have any further questions please feel free to contact me via email at quaintan5748@fvtc.edu. Executive Summary Some Americans view of productivity has lead to a vision about work, such as; if you work more hours you get more...
Words: 2119 - Pages: 9
...Design first started before the Industrial Revolution, but my report starts here. England was the center of this revolution, which was from the 1700's- 1850's. In the pre-industrial era, villages traded with other villages, and over time villages started to specialize in producing certain products to trade. As a result, a lot of gear was being designed. Many smart people were inventing machines, but when James Watts invented the steam engine, mechanized industry developed, and industrial machines, factories, and cities took off, along with pollution, poverty, sickness and industrial accidents. The designers of these machines were rich factory owners who were skilled in mechanical design, rather than artistic design. At this point in time a man called William Morris stepped in and started a design movement known as The Arts and Crafts Movement in 1860. Morris didn't like the way the Industrial Revolution shaped the world, because the machines were ugly and all of the products they were producing were too, so he looked to the past for inspiration. He wanted to get rid of mass production and revive the crafts and skills of an older, pre-industrial era. He pledged himself to decorative arts, and rejected the machine. Morris was an upper class artist and poet who was well educated and fairly wealthy. He started a company called Morris and Co. He designed cloths, carpets, chairs, book covers, stained glass windows, and wall paper, which were all hand- made, and hand-painted with...
Words: 302 - Pages: 2
...Gender Roles in Disney Movies It is undeniable that the company that is leading to many generations in their child age is Disney. Who does not remember Mickey and Minnie Mouse?, Who has not thrown a tear when Snow White was poisoned by the evil witch?, Who did not want to ever be in the place of handsome John Smith or Pocahontas herself to revive their love story?, that tender these films, is not it, for example the Little Mermaid and Sebastian the crab song, who does not remember that song from "under the sea”? Has anybody ever wondered why the dwarves themselves did not do the housework when they came home once Snow White "moved in" with them? Or why an Indian as Pocahontas, falls for a murderer of thousands of his countrymen as was John Smith? Or why witches are always bad? Or why women are always in the background in these films (Hubka, Hovdestad & Tonmyr, 2009)? The world of Disney Princess began in 1937 when Snow White entered the world with the Seven Dwarfs (McRobbie, 2008). Since then it continued to add princesses in this world and the most recent movie was Tangled (Rapunzel) in 2011. In the past years, due to the lack of portraying ethnicity, Disney movie makers were highly criticized by their audience. Therefore, Pocahontas appeared in 1995 and after three years in 1998 came Mulan, which created a racially diverse collection of Disney princesses. After a decade The Princess and the Frog was released in 2009. It is important to understand that Disney plays an important...
Words: 1544 - Pages: 7
...Examination Paper : Semester II IIBM Institute of Business Management Examination Paper MM.100 Business Communication Section A: Objective Type (30 marks) This section consists of multiple choices and Short Notes type questions. Answer all the questions. Part one questions carry 1 mark each & Part Two questions carry 4 marks each. Part one: Multiple choices: 1. __________is an essential function of Business Organizations: a. Information b. Communication c. Power d. None of the above ANSWER: Communication 2. Physiological Barriers of listening are: a. Hearing impairment b. Physical conditions c. Prejudices d. All of the above ANSWER: All of the above 3. Which presentation tend to make you speak more quickly than usual: a. Electronic b. Oral c. Both ‘a’ and ‘b’ N d. None of the above ANSWER: Oral 4. What is the main function of Business Communication: a. Sincerity b. Positive language c. Persuasion d. Ethical standard ANSWER: Persuasion 5. The responsibilities of the office manager in a firm that produces electronics spares is: a. Everything in the office runs efficiently b. Furniture and other equipment in the office is adequate c. Processing all the incoming official mail and responding to some d. All of the above ANSWER:All of the above 6. Labov’s Storytelling Model based on: a. Communication through speech b. Language learning c. Group Discussions d. None of the above...
Words: 1674 - Pages: 7
...ESSEL ENG P2 CLASS Justin BOOK REPORT THE SKIN I’M IN Lianne Dewar Mrs. 1. Character List aleeka Madison M - John-John - Charlese Jones / Char - Momma / Mrs. Madison (Maleeka’s mother) - Miss Saunders - Caleb 2. Character My favourite character is Maleeka Madison, who is the main character in the text. In my opinion, Maleeka is my favourite character in the book because of her personality. Throughout the story, the reader can obviously see the changes in Maleeka as she grows in the book. She starts off insecure, with very low self-esteem, but in the end, she comes out on top feeling confident in herself, and I really enjoyed seeing that. 3. Plot Maleeka is a new student at McClenton Middle School, this school isn’t used to seeing dark skinned people like Maleeka, so they just simply tease her. The two biggest bullies in the school, John-John and Char, constantly tease Maleeka. Upon all this bullying, Maleeka’s father recently died, and that’s a problem because he was the main money provider. So when he died, Maleeka’s mother had to make clothes for Maleeka instead of buy them, which didn’t help with what was going on at school. makes Maleeka do Char things that she doesn't want to do and Miss Saunders, the new homeroom teacher tries to help Maleeka, but she doesn't want any help, she thinks Char can protect her if she does homework for her. Maleeka made a mistake when Char and her “sidekicks” Raina and Rise,...
Words: 734 - Pages: 3
...Living by the Word, in 1988 2. Anything We Love Can Be Saved, in 1997 3. The Chicken Chronicles, in 2006 4. The Cushion in the Road, in 2013 Along with Alice Walker Novels Poetry and Non-Fiction Books she also worked on Quotes. “No person is your friend who demands your silence, or denies your right to grow.” ― Alice Walker The most common way people give up their power is by thinking they don’t have any. – Alice Walker In nature, nothing is perfect and everything is perfect. Trees can be contorted, bent in weird ways, and they’re still beautiful. – Alice Walker Everything want to be loved. Us sing and dance and holler, just trying to be loved. – Alice Walker Look closely at the present you are constructing. It should look like the future you are dreaming. Alice Walker Nobody is as powerful as we make them out to be. – Alice Walker “I'm pore, I'm black, I may be ugly and can't cook, a voice say to everything listening. But I'm here.” ― Alice Walker, The Color Purple To sum up my report on an American Author Alice Walker, she was born in Eatonton Georgia. Ms. Walker graduated from college and started writing. The literary movement was one of the Black Power Movement and Civil Rights of African Americans. As of today Alice Walker is still alive and she continues to visit her hometown Eatonton...
Words: 734 - Pages: 3
...The GI Bill: How the Affects Changed a Nation For over six decades the GI Bill has been a staple for education in the United States for military and the veterans who have defended its citizens and country. So, why was the GI Bill (Servicemen’s Readjustment Act) established? The events in World War II would play an integral role in the outcome and stability of this military educational reform legislation. In 1944, World War II changed the face of the world. Many families were left to “fend” for themselves to prevent their stagnation and fears that their loved may not return home from war. Many that served in the war, as young as ages 17 and 18, were placed into regiments encompassed from Pearl Harbor in Hawaii, spanning all the way across the Pacific Ocean into Japan. As the war drew down and troops began to return to the states, many concerns were raised by the government that individuals looking for work could potentially impact the U.S. economy. Although the reasoning for the GI Bill was in fact an actual ploy to offer a way to infer the immense and already growing number of “veterans” [returning home from] “World War II” (Greenberg 2008). The United States government expressed further “political…fear” of a “sudden” influx of “nearly 16 million veterans” (Greenberg 2008). As the years progressed, through the Vietnam and Korean Wars, it became more evident that the GI Bill would maintain its use to educate and in part influence economic reform. During the...
Words: 996 - Pages: 4
...Fragments, Run-ons and Comma Splices Getting Rid of Fragments There are two kinds of clauses – independent and dependent. A dependent clause has a subject and verb just like an independent clause, but it can’t stand alone because it begins with a dependent word such as after that, so that although, though unless as, as if until because what, whatever before when, whenever even though where, wherever how whether if, even if which, whichever in order that while since who, whom than whose Whenever a clause begins with one of the above dependent words, it is dependent. If we take an independent clause such as We finished the game. and put one of the dependent words in front of it, it becomes dependent: After we finished the game Although we finished the game As we finished the game Before we finished the game If we finished the game Since we finished the game That we finished the game When we finished the game While we finished the game The clause can no longer stand alone. It does not make a complete statement. It leaves the reader expecting something more. It is a fragment and must not be punctuated as a sentence. Any group of words that does not have a subject and a verb is also a fragment. Paid no attention to his parents (no subject) Joe thinking of all his problems (no adequate verb) Speeding along the highway (no subject and no adequate verb) The announcement...
Words: 1662 - Pages: 7
...The Vanishing Love -----Book report of Martin Eden * The Introduction of Marin Eden Martin Eden, semiautobiographical novel by Jack London, published in 1909. The title character, Martin Eden, becomes a writer, hoping to acquire the respectability sought by his society-girl sweetheart, Ruth Morse. She spurns him, however, when his writing is rejected by several magazines and when he is falsely accused of being a socialist. Interestingly, Ruth tries to win him back after he achieves fame, but Eden realizes her love for him but not for the fame and fortune is false. Financially successful and robbed of connection to his own class, aware that his quest for bourgeois respectability was hollow, and devastated by the suicide of his mentor, Eden travels to the South Seas, where he jumps from the ship and drowns. So, the whole story is ended up with Martin’s suicide. The reason why I said that Martin Eden is another Jack London, or the book is a semiautobiographical novel, is that when Jack London wrote Martin Eden at age 33, he had already achieved international acclaim with The Call of the Wild, The Sea-Wolf and White Fang. However, London quickly became disillusioned with his fame and set sail through the South Pacific on a self-designed ketch called the Snark. On the grueling two-year voyage—as he struggled with tiredness and bowel diseases—he wrote Martin Eden, filling its pages with his frustrations, adolescent gang fights and struggles for artistic recognition. The character...
Words: 1053 - Pages: 5
...Jack Adelman MBA 511 Report – Webcast 8/13/14 on Data Mining SAS (Statistical Analysis System) was originally developed as a project to analyze agriculture from 1966-1976 at North Carolina State University. As demand for such software grew, SAS Institute was founded in 1976. SAS is a software suite that can mine, alter, manage and retrieve data from a variety of sources and perform statistical analysis on it. SAS provides a graphical point-and-click user interface for non-technical users and they provide more advanced options through the SAS programming language. On August 13 2014, SAS sponsored a web seminar titled “Analytically Speaking” the topic of the webcast was data mining techniques. Michael Berry and Gordon Linoff were the featured speakers, they have written a leading introductory book (on data mining) titled “Data Mining Techniques”. They discussed a lot of the current data mining landscape, including new methods, new types of data and the importance of using the right analysis for your problem (as good analysis is wasted doing the wrong thing). They also briefly discussed using ‘found data’ – text data, social data and device data. Michael Berry is the Business Intelligence Director at TripAdvisor and co-founder of Data Miners Inc. Gordon Linoff is co-founder of Data Miners Inc. and a consultant to financial, media and pharmaceutical companies. Data mining is the analysis step of the “KDD” (Knowledge Discovery in Databases). Data mining is an...
Words: 818 - Pages: 4
...Jack Adelman MBA 511 Report – Webcast 8/13/14 on Data Mining SAS (Statistical Analysis System) was originally developed as a project to analyze agriculture from 1966-1976 at North Carolina State University. As demand for such software grew, SAS Institute was founded in 1976. SAS is a software suite that can mine, alter, manage and retrieve data from a variety of sources and perform statistical analysis on it. SAS provides a graphical point-and-click user interface for non-technical users and they provide more advanced options through the SAS programming language. On August 13 2014, SAS sponsored a web seminar titled “Analytically Speaking” the topic of the webcast was data mining techniques. Michael Berry and Gordon Linoff were the featured speakers, they have written a leading introductory book (on data mining) titled “Data Mining Techniques”. They discussed a lot of the current data mining landscape, including new methods, new types of data and the importance of using the right analysis for your problem (as good analysis is wasted doing the wrong thing). They also briefly discussed using ‘found data’ – text data, social data and device data. Michael Berry is the Business Intelligence Director at TripAdvisor and co-founder of Data Miners Inc. Gordon Linoff is co-founder of Data Miners Inc. and a consultant to financial, media and pharmaceutical companies. Data mining is the analysis step of the “KDD” (Knowledge Discovery in Databases). Data mining is an...
Words: 818 - Pages: 4
