Credit record – KR2K http://kr2k.com/ Sun, 19 Sep 2021 10:14:08 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://kr2k.com/wp-content/uploads/2021/08/icon-150x150.png Credit record – KR2K http://kr2k.com/ 32 32 Amanda Shaffer pleads guilty to embezzlement https://kr2k.com/amanda-shaffer-pleads-guilty-to-embezzlement/ https://kr2k.com/amanda-shaffer-pleads-guilty-to-embezzlement/#respond Sat, 18 Sep 2021 17:42:24 +0000 https://kr2k.com/amanda-shaffer-pleads-guilty-to-embezzlement/ A 39-year-old woman from Iowa Park pleaded guilty Friday to stealing nearly $ 10,000 from her former employer, court documents show. Amanda Louise Shaffer was sentenced to three years’ probation on Friday by the 30th District Court for stealing Texoma Freight while she was the officer in charge there, court documents show. Following:Police: a woman […]]]>

A 39-year-old woman from Iowa Park pleaded guilty Friday to stealing nearly $ 10,000 from her former employer, court documents show.

Amanda Louise Shaffer was sentenced to three years’ probation on Friday by the 30th District Court for stealing Texoma Freight while she was the officer in charge there, court documents show.

Following:Police: a woman arrested for theft in a company

Shaffer pleaded guilty to theft of property, between $ 2,500 and $ 30,000, committed on Dec. 14, 2018, before 30th District Judge Jeff McKnight, according to court records.

McKnight has granted Shaffer probation with deferred arbitration as part of a plea bargain, court records show.

If she succeeds in doing her community surveillance, she will avoid having a conviction on her file.

The offense carries a penalty of up to two years in state prison.

McKnight also ordered Shaffer to pay $ 4,531 in restitution, a fine of $ 750 and $ 345 in court costs, according to court documents.


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NEW SALES RECORD IN WASHINGTON CO. AUCTION https://kr2k.com/new-sales-record-in-washington-co-auction/ https://kr2k.com/new-sales-record-in-washington-co-auction/#respond Sat, 18 Sep 2021 12:48:20 +0000 https://kr2k.com/new-sales-record-in-washington-co-auction/ A new record was set for total sales at 153rd Washington County Fair’s Junior Cattle Auction Friday. (Marc Whitehead) The unofficial totals of the 260 lots in this year’s sale reached $ 922,247, breaking the 2019 record of $ 814,450. The 2020 auction total was $ 729,400. Grand Champions and Reserve Champions sold for a […]]]>

A new record was set for total sales at 153rd Washington County Fair’s Junior Cattle Auction Friday.

(Marc Whitehead)

The unofficial totals of the 260 lots in this year’s sale reached $ 922,247, breaking the 2019 record of $ 814,450. The 2020 auction total was $ 729,400.

Grand Champions and Reserve Champions sold for a total of $ 97,000, including $ 55,000 for Grand Champions and $ 42,000 for Reserve Champions. In 2020, Grand Champions and Reserve Champions sold for a total of $ 76,000, with Grand Champions selling for $ 44,750 and Reserve Champions fetching $ 31,250.

Two individual records fell at the auction, those for Grand Champion Barrows and Goats. Kannon Koehler’s Grand Champion Barrow was sold for $ 13,000 to LaRoche GM dealers, Philips Veterinary Hospital, Kieke Egg Farm, Brenham Bank, Brenham National Bank, Farm and Somerville Ranch, Batter’s Box, J&J Packing, Carmine Feed and Fertilizer, B&B Cattle, Fritsch Cattle Company, Cattleman’s Supply, Lampe Surveying, Brenham Veterinary Hospital, Holtkamp Realty Consultants, Capital Farm Credit and the Marty Spivey family.

Kenley Mikolajchak’s Grand Champion Goat was sold for $ 9,000 to Hermann Alarms, David and Wanda Hermann, Metal and More, Thielemann Construction, Pooltex American and Hermann Electric, LLC.

McKenzie Tiemann’s Grand Champion Steer sold for $ 9,500 at J&J Packing. Kendal Gurka’s Grand Champion Lamb also went to J&J Packing for $ 6,750. Kaylen Kruse’s Grand Champion Rabbits were sold to Brenham Dodge for $ 4,750, while Parker Hejl’s Grand Champion Broilers were also sold to Walcik Construction for $ 4,750. Ryan Rosenbaum’s Grand Champion Carcass Hog was sold to Washington County Tractor for $ 4,000, and Addison Schramme’s Grand Champion Turkey was sold to Citizens State Bank for $ 3,250.

For the reserve champions, the best seller was Houston Hodde’s Barrow for $ 7,750 to J&J Packing. Cassidy Fuchs’ Reserve Champion Steer was sold for $ 7,250 to Hodde Real Estate, Mike Hopkins Distributing and Tegeler Toyota and Chevrolet.

Emma Marth’s Reserve Champion Broilers was presented for $ 5,750 to Wellmann Insurance, Capital Farm Credit, Citizens State Bank, Appel Ford Hyundai, HEB, KTEX / KWHI, Brenham Produce, Boeker Ag Service and J&J Packing.

The Reserve Champion Carcass Hog presented by Carl Mitz sold for $ 5,500 to Monkey Wrench Garage and Schultz Cattle Company. Eli Saunders’ reserve goat was sold to J&J Packing for $ 4,750, while reserve champion Katelin Seeker Turkey went for $ 4,250 to Rob’s Fun Center, Texas Farm Credit and TG Trucking. Tanna Thiel’s Champion Reserve Lamb was sold to the Washington Animal Clinic for $ 4,000 and Emmy Kate Boyd’s Champion Reserve Rabbit was sold to Collier Construction for $ 2,750.

The fair ends today (Saturday) with the Cattle Judging Competition at 8:00 a.m., Little Wrangler Hay Hauling at 9:00 a.m., the Youth Country Creations Auction at 10:00 a.m. and the Pet Show at 10:30 a.m. The cattle judging competition prizes will be presented at 1 pm, which will also mark the start of the commercial steer auction. The sale of foals and the commercial sale of heifers will take place at 2 p.m.

The Heart of America Carnival will open at 2 p.m. and offer all-you-can-eat bracelets for $ 30. The youth hay haul and the greased pig contest will take place at 6 p.m., followed by a sheep bustin at 6:30 p.m. and other rodeo actions at 7:30 p.m.

Tonight’s entertainment includes Bubba Westly at the food court at 5 p.m., with performances at the entertainment pavilion by Rick Trevino at 9 p.m. and Clay Walker at 11 p.m.

KWHI will have live reports from the fair this morning from 9am

JUNIOR CATTLE AUCTION 2021

TOTAL SALE (OFFICIAL): $ 922,247

BIG CHAMPIONS ($ 55,000):

BARROWS – Kannon Koehler, Sandy Hill 4-H, $ 13,000 (R), LaRoche GM Dealers, Philips Veterinary Hospital, Kieke Egg Farm, Bank of Brenham, Brenham National Bank, Somerville Farm and Ranch, Batter’s Box, J&J Packing, Carmine Feed and Fertilizer, B&B Cattle, Fritsch Cattle Company, Cattleman’s Supply, Lampe Surveying, Brenham Veterinary Hospital, Holtkamp Realty Consultants, Capital Farm Credit, Marty Spivey family

BROILER CHICKENS – Parker Hejl, Salem 4-H, $ 4,750, Walcik Construction

CARCASS PIGS – Ryan Rosenbaum, Burton FFA, $ 4,000, Washington County Tractor

GOATS – Kenley Mikolajchak, Prairie Hill 4-H, $ 9,000 (R), Hermann Alarms, David and Wanda Hermann, Metal and More, Thielemann Construction, Pooltex American, Hermann Electric, LLC

LAMBS – Kendal Gurka, Prairie Hill 4-H, $ 6,750, J&J packaging

RABBITS – Kaylen Kruse, Salem 4-H, $ 4,750, Brenham Dodge

CATTLE – McKenzie Tiemann, Burton 4-H, $ 9,500, J&J packaging

TURKEY – Addison Schramme, Sandy Hill 4-H, $ 3,250, Citizens State Bank

RESERVE CHAMPIONS ($ 42,000):

BARROWS – Houston Hodde, Burton 4-H, $ 7,750, J&J packaging

CHICKENS – Emma Marth, Zionsville 4-H, $ 5,750, Wellmann Insurance, Capital Farm Credit, Citizens State Bank, Appel Ford Hyundai, HEB, KTEX / KWHI, Brenham Produce, Boeker Ag Service, J&J Packing

CARCASS PIGS – Carl Mitz, Washington 4-H, $ 5,500, Monkey Wrench garage, Schultz Cattle Company

GOATS – Eli Saunders, Burton FFA, $ 4,750, J&J packaging

LAMBS – Tanna Thiel, Burton FFA, $ 4,000, Washington Veterinary Clinic

RABBITS – Emmy Kate Boyd, Prairie Hill 4-H, $ 2,750, Collier Construction

CATTLE – Cassidy Fuchs, Burton FFA, $ 7,250, Hodde Real Estate, Mike Hopkins Distributing, Tegeler Toyota and Chevrolet

TURKEY – Katelin Seeker, Brenham FFA, $ 4,250, Rob’s Fun Center, Texas Farm Credit, TG Trucking

Click here to watch a video of the Grand and Reserve champions at the Junior Cattle Auction.

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Dotty’s parent company announces data breach https://kr2k.com/dottys-parent-company-announces-data-breach/ https://kr2k.com/dottys-parent-company-announces-data-breach/#respond Sat, 18 Sep 2021 00:58:00 +0000 https://kr2k.com/dottys-parent-company-announces-data-breach/ LAS VEGAS (KTNV) – Parent company Dotty’s slot machine chain has announced it has been hacked and said private information may have been leaked. Nevada Restaurant Services says social security and bank account numbers were part of this data breach and that it will be sending notices to customers in the Las Vegas Valley who […]]]>

LAS VEGAS (KTNV) – Parent company Dotty’s slot machine chain has announced it has been hacked and said private information may have been leaked.

Nevada Restaurant Services says social security and bank account numbers were part of this data breach and that it will be sending notices to customers in the Las Vegas Valley who have been potentially affected.

If you think you might have been affected, the company suggests examining bank statements and monitoring credit reports for any suspicious activity.

Read the full review shared by Nevada Restaurant Services below:

Nevada Restaurant Services, Inc. (“NRS”) is providing notice of a recent event that may affect the confidentiality of information of certain NRS customers. The NRS provides information about the event, the NRS’s response to it, and the resources available to individuals to help protect their information, if they deem it necessary.

WHAT HAPPENED?

In January 2021, NRS identified the presence of malware on some computer systems in its environment. NRS immediately opened an investigation to determine the nature and extent of the incident and to secure its network. Through this investigation, NRS determined that it was the target of a cyber attack and that, as part of the cyber event, an unauthorized actor was able to copy certain information from the system by January 16, 2021. .

WHAT INFORMATION WAS INVOLVED?

The NRS carried out an in-depth review of the relevant data to determine what types of information was involved and to whom it related. Although the specific data elements vary for each potentially affected person, the scope of information potentially involved includes the name, date of birth, social security number, driver’s license number or identification number of the person. State, passport number, financial account and / or routing number, health insurance information, treatment information, biometric data, medical record, tax identification number and credit card number and / or expiration date.

HOW WILL I KNOW IF I AM CONCERNED?

NRS sends notification letters to people identified as potentially affected and for whom they have valid postal addresses. If someone has not received a letter but wants to know if they are affected, they can call the dedicated NRS hotline, detailed below.

WHAT IS NRS DOING?

NRS has security measures in place to protect its systems and the information in its possession, and NRS has endeavored to add additional technical safeguards to its environment. Following this incident, NRS took immediate action to secure its systems and conduct a diligent investigation into the nature and extent of the incident.

WHO TO CONTACT FOR MORE INFORMATION

If people have questions or want additional information, they can call NRS’s dedicated hotline at (833) 909-3914 between 6:00 a.m. and 6:00 p.m. Pacific Time, Monday through Friday.

WHAT CAN I DO?

NRS encourages individuals to remain vigilant against incidents of identity theft and fraud by reviewing account statements and monitoring free credit reports for suspicious activity and detecting errors. Under US law, a consumer is entitled to one free credit report each year from each of the three major credit bureaus, Equifax, Experian, and TransUnion. To order a free credit report, visit annualcreditreport.com or call toll free 1-877-322-8228. Individuals can also contact the three major credit bureaus listed below directly to request a free copy of their credit report.

Consumers have the right to place an initial or extended “fraud alert” on a credit file at no charge. An initial fraud alert is a one-year alert that is placed on a consumer’s credit file. When seeing a fraud alert appear on a consumer’s credit report, a business is required to take steps to verify the consumer’s identity before granting new credit. If you are the victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert that lasts for seven years. If you would like to place a fraud alert, please contact one of the three major credit reporting bureaus listed below.

Instead of a fraud alert, consumers have the right to place a “credit freeze” on a credit report, which will prevent a credit bureau from disclosing information in the credit report without authorization. express of the consumer. The credit freeze is designed to prevent credit, loans and services from being approved on your behalf without your consent. However, you should be aware that using a credit freeze to control who has access to personal and financial information on your credit report may delay, interfere with, or prevent the timely approval of any request or subsequent request that you. made regarding a new loan, credit, mortgage, or any other account involving the extension of credit. Under federal law, you cannot be charged to place or lift a credit freeze on your credit report.

To request a security freeze, you will need to provide the following information:

  1. Full name (including the initial of the middle name as well as Jr., Sr., II, III, etc.);
  2. Social Security number;
  3. Date of Birth;
  4. Addresses from the previous two to five years;
  5. Proof of current address, such as a current utility bill or phone bill;
  6. A legible photocopy of a government issued ID card (driver’s license or state ID card, etc.); and
  7. A copy of the police report, investigation report, or complaint filed with a law enforcement agency regarding identity theft if you are a victim of identity theft.

If you would like to place a fraud alert or a credit freeze, please contact the three major credit bureaus listed below:

Equifax

  • Equifax Fraud Alert, PO Box 105069 Atlanta, GA 30348-5069
  • Equifax Credit Freeze, PO Box 105788 Atlanta, GA 30348-5788

Experiential

  • Experian Fraud Alert, PO Box 9554, Allen, TX 75013
  • Experian Credit Freeze, PO Box 9554, Allen, TX 75013

TransUnion

  • TransUnion Fraud Alert, PO Box 2000, Chester, PA 19016
  • TransUnion Credit Freeze, PO Box 160, Woodlyn, PA 19094

Information provided by Nevada Restaurant Services, Inc. Learn more here.


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Biden to host World Leaders Climate Forum https://kr2k.com/biden-to-host-world-leaders-climate-forum/ https://kr2k.com/biden-to-host-world-leaders-climate-forum/#respond Fri, 17 Sep 2021 19:51:38 +0000 https://kr2k.com/biden-to-host-world-leaders-climate-forum/ WASHINGTON – President Biden announced on Friday that the United States and Europe have pledged to work to reduce global methane emissions by a third over the next decade and urged other countries to join their efforts to combat a powerful greenhouse gas that warms the planet. In a virtual meeting hosted by the White […]]]>

WASHINGTON – President Biden announced on Friday that the United States and Europe have pledged to work to reduce global methane emissions by a third over the next decade and urged other countries to join their efforts to combat a powerful greenhouse gas that warms the planet.

In a virtual meeting hosted by the White House that included nine heads of state, the presidents of the European Council and the European Commission, United Nations Secretary-General António Guterres and ministers from a handful of other countries, Biden called the methane target an “ambitious but realistic goal” that the United States will help developing countries achieve.

The effort comes less than two months before a United Nations climate change summit in Glasgow, Scotland, where all nations are expected to announce more ambitious efforts over the next decade to reduce emissions resulting primarily from the burning of fossil fuels. Scientists say the world must move away sharply from oil, gas and coal or suffer catastrophic impacts from climate change.

“I have to tell you the consequences of inaction,” Biden said. “Over the past two weeks, I have traveled across the United States to witness the damage and destruction caused by record hurricanes, record flooding and wildfires,” which he noted s ‘worsen due to warming temperatures.

Nodding to the cascade of disasters that have unfolded in recent months around the world, from flooding in Germany and Belgium to raging fires in Australia and Russia and a record temperature of 118 degrees Fahrenheit recorded in the Arctic Circle, M Biden told executives, “We don’t have a lot of time.

But observers noted the absence on Friday of some key leaders, including Chinese President Xi Jinping.

China sent Xie Zhenhua, the country’s climate envoy. But after Mr Biden announced a new military pact with Australia and Britain as a strategic deterrent against China, experts said Mr Xi’s absence on Friday was a worrying sign. that tensions between Washington and Beijing could undermine climate cooperation.

“It’s problematic,” said Robert N. Stavins, an environmental economist at Harvard University who closely follows international climate negotiations.

He added, “We have moved from the cooperation of the Obama years to confrontation – on trade, democracy in Hong Kong, security in the South China Sea and intellectual property. “

China and the United States are the two biggest climate polluters in the world, in that order. Mr. Biden has pledged to reduce US emissions by 50 to 52 percent from 2005 levels by 2030. Achieving that goal, however, depends largely on passing a US budget bill. 3.5 trillion dollars that faces headwinds in Congress.

China, meanwhile, has pledged to achieve net zero emissions by 2060, but has so far not announced new emission reduction targets over the next decade.

“Unless China commits within the next month to peaking its global emissions before 2025, it risks being isolated as Glasgow approaches, and perhaps held responsible if the global negotiations fail, “said Paul Bledsoe, strategic advisor at the Progressive Policy Institute. .

Brazil, another major transmitter, did not participate, according to the White House.

Participants included leaders from Argentina, Australia, Bangladesh, Indonesia, Italy, Japan, Korea, Mexico and Great Britain. The Presidents of the EU Council and Commission were present and India, Russia and Germany sent envoys.

John Kerry, Biden’s climate envoy, and Secretary of State Antony J. Blinken also attended the meeting.

In the United States, the Environmental Protection Agency is currently preparing strict new regulations for the oil and gas sector, which is the largest industrial source of the pollutant.

Carbon dioxide makes up most of the greenhouse gases in the United States and stays in the atmosphere for centuries. Methane only lasts in the atmosphere for about a decade, but during this time it is much more powerful at warming the Earth.

“Reducing methane pollution is the fastest and most effective strategy we have to slow the rate of warming. The benefits will be almost immediate, ”said Fred Krupp, president of the Environmental Defense Fund, in a statement.

Adam Bernstein, managing director of North Sky Capital, a cleantech investment firm, called the global goal “doable”.

“There is no real technological leap to be taken. The technology exists today, it’s just a matter of putting in place national and local policies to support that goal, ”he said.


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More people offered pre-approved credit cards and loans than at the start of the year https://kr2k.com/more-people-offered-pre-approved-credit-cards-and-loans-than-at-the-start-of-the-year/ https://kr2k.com/more-people-offered-pre-approved-credit-cards-and-loans-than-at-the-start-of-the-year/#respond Fri, 17 Sep 2021 08:13:44 +0000 https://kr2k.com/more-people-offered-pre-approved-credit-cards-and-loans-than-at-the-start-of-the-year/ Some borrowers now have a better chance of being accepted for a credit card or personal loan than at the start of the year, according to a study. Credit-checking company Experian said more than six in 10 customers (61%) using its “marketplace” – a money comparison and auto insurance service – had a credit card […]]]>

Some borrowers now have a better chance of being accepted for a credit card or personal loan than at the start of the year, according to a study.

Credit-checking company Experian said more than six in 10 customers (61%) using its “marketplace” – a money comparison and auto insurance service – had a credit card offer for which they had been pre-approved in August, up from 47% in January. And 44 percent of clients had a loan offer that they had been pre-approved for, compared to 33 percent.

Consumer eligibility ratings appear next to each result when they compare credit products. “Soft” credit searches are performed when people compare products with Experian.

Indirect searches allow businesses to take a first look at information on a person’s credit report without impacting their credit rating or future inquiries. They indicate whether someone is likely to be successful if they apply for a particular loan.

Even customers whose credit scores were rated by Experian as bad or very bad were more likely to see credit card and loan offers they were pre-approved for in August than in January.

Sebastian Worbs of Experian Consumer Services said, “Eligibility ratings give people an indication of their chances of being approved for a specific credit agreement.

“As lenders continue to bring competitive products to the market, consumers have a better chance of being pre-approved for a product that meets their needs. “

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Driving without insurance in Montana https://kr2k.com/driving-without-insurance-in-montana/ https://kr2k.com/driving-without-insurance-in-montana/#respond Thu, 16 Sep 2021 18:01:58 +0000 https://kr2k.com/driving-without-insurance-in-montana/ Driving without insurance in Montana is a criminal offense because Montana law requires drivers in the State of the Treasury to carry a minimum amount of liability insurance. And while minimum coverage in Montana costs an average of $ 342 per year according to Quadrant Information Services, that cost is still less than the fine […]]]>

Driving without insurance in Montana is a criminal offense because Montana law requires drivers in the State of the Treasury to carry a minimum amount of liability insurance. And while minimum coverage in Montana costs an average of $ 342 per year according to Quadrant Information Services, that cost is still less than the fine an uninsured Montana driver could pay.

Minimum insurance required in Montana

The minimum amount of liability as required by Montana state law is a 25/50/20 policy. In writing, this means that each driver must have, as a minimum, the following amounts of coverage:

  • $ 25,000 per person for bodily injury or death
  • $ 50,000 per accident for bodily injury or death
  • $ 20,000 per accident for property damage

Coverage for uninsured and underinsured motorists must be offered but may be refused in writing.

Bonds or a deposit of $ 55,000 in cash or securities may also satisfy financial responsibility law.

If you are arrested in Montana, state law allows officers to require proof of insurance. This is, of course, in addition to your license and registration.

Penalties for driving without insurance in Montana

The penalties for uninsured driving in Montana are severe from the start. For most drivers, penalties alone are enough of an incentive to purchase insurance.

First offense

Drivers must pay a fine between $ 250 and $ 500. If you are unable to pay this amount, you can choose to serve up to 10 days in jail instead.

Second offense

Drivers must pay a minimum fine of $ 350, or choose up to 10 days in jail. Whichever you choose, you will also receive 5 points on your driving record. Collect 30 points and your license will be revoked.

Third offense

A minimum fine of $ 500 and / or up to 6 months in prison. Registration revoked for 180 days.

Montana’s Online Insurance Verification System Fee

Montana allows its agents to use an online insurance verification system. This system makes it possible to immediately check whether a driver is insured or not. It is particularly useful after accidents, routine traffic stops or when a driver has misplaced their insurance information.

At this time, Montana does not issue fines to uninsured drivers, although it has the capacity to do so. Currently, drivers must already be stopped for another offense for an officer to draft a ticket for driving without insurance.

Have an accident without insurance

In Montana, driving without insurance is serious business. If you have an accident when you are not insured, it is even worse.

The first thing that happens in a Montana driving accident free insurance is that you will be fined for no insurance. All fines and fees mentioned above will be applied regardless of who is responsible for the accident.

The most important thing to know about driving without insurance in Montana is that Montana is a tort state. This means that if you are at fault for an accident, you have to pay for the damage caused by your driving. Lost wages, medical bills, property damage, and funeral expenses could all be yours.

As you can see, Montana’s penalties are simply incentives to purchase insurance. The real threat to uninsured drivers is the life-changing financial burden that could result from a serious accident.

Frequently Asked Questions

What if you provide false insurance information?

No one wants to be charged with driving without insurance, which is why some drivers think it’s best to lie when questioned by a police officer. However, providing false documents to a police officer can result in criminal charges and even jail time.

How Much Does Car Insurance Cost in Montana?

The average cost of auto insurance in Montana is around $ 1,737 per year for full coverage (or $ 145 per month). For minimum coverage, the average annual premium in Montana is $ 342. The US average for auto insurance is $ 1,674, which makes Montana about $ 63 more expensive.

Which Auto Insurance Companies Are Best For Montana Drivers?

By examining customer satisfaction scores, financial strength, coverage and discount options, we determined that the best insurance companies for Montana drivers are:

  • Allstate
  • Geico
  • Progressive
  • State farm
  • United States

However, we recommend that each driver get a quote from each to find the lowest premium. Each insurance company calculates premiums in a different way, which means that it is quite possible to save money just by shopping.

How can drivers lower their premiums?

The penalty for driving without insurance in Montana is too high. You may be able to reduce your insurance premium to a more affordable amount by following these steps:

  1. Compare the prices: Insurance companies do not charge the same amount. They may be similar, but they are rarely the same. By simply noting purchases, you can find a cheaper supplier without doing anything else on this list.
  2. Compare discounts: Look around and you will notice that many insurance companies offer the same discounts. However, the amount you will save with each business can vary widely. Talk to an insurance agent to find out how much you will save with their business discounts.
  3. Increase your deductible: A high deductible will reduce your monthly payment, but it will also reduce the amount you receive after an accident. Most businesses have multiple franchise options, so pick the one that best fits your budget and needs.
  4. Driving an old car: New cars can cost more to insure because they cost more to repair and replace. Driving an old car could save you money on auto insurance. To save the most, however, choose an older car that has an excellent collision rate and can be paired with discounts such as daytime running lights or dual airbags.
  5. Increase your credit score: Insurance companies operating in Montana are permitted to use credit scores to calculate premiums. The reason is that many studies have found a correlation between low credit scores and higher claims. Therefore, if you increase your credit score, your premium should decrease.


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Newsom’s anti-Trump recall strategy offers warning for mid-term 2022 https://kr2k.com/newsoms-anti-trump-recall-strategy-offers-warning-for-mid-term-2022/ https://kr2k.com/newsoms-anti-trump-recall-strategy-offers-warning-for-mid-term-2022/#respond Thu, 16 Sep 2021 00:07:58 +0000 https://kr2k.com/newsoms-anti-trump-recall-strategy-offers-warning-for-mid-term-2022/ SAN LEANDRO, Calif .– California is bathed in its foresight. “The future comes here first,” Gov. Gavin Newsom said, calling his state “America’s coming attraction.” However, in categorically rejecting efforts to recall him from his post, Mr Newsom made it clear that California’s cherished role foreshadowing tomorrow’s politics was not as important as another bigger […]]]>

SAN LEANDRO, Calif .– California is bathed in its foresight. “The future comes here first,” Gov. Gavin Newsom said, calling his state “America’s coming attraction.”

However, in categorically rejecting efforts to recall him from his post, Mr Newsom made it clear that California’s cherished role foreshadowing tomorrow’s politics was not as important as another bigger factor in Tuesday’s results. : today’s tribal politics.

The first-term Democratic governor will remain in office because, in a deeply liberal state, he effectively nationalized the recall effort as a Republican plot, making a flamethrower radio host the face of opposition to Trump to polarize the electorate on red. and blue lines.

Mr Newsom has found success not because of what makes California different, but because of how it is like everywhere else: he dominated the heavily populated Democratic towns of California, the key to victory in a state where his party is five million more voters than Republicans.

“Gavin might have been on a high wire, but he was wearing a big blue safety harness,” said Mike Murphy, a Republican quarterback based in California.

The recall offers Democrats in Washington at least one lesson ahead of next year’s midterm elections: The party’s pre-existing blue-and-purple-states strategy of portraying Republicans as Trump-loving extremists may still prove to be effective with the former president removed from office. at least when the strategy is executed with relentless discipline, an avalanche of money, and an opponent who plays typing.

“Either you keep Gavin Newsom as governor or you will have Donald Trump,” President Biden said at a rally on the eve of the election in Long Beach, making it clear what Mr. Newsom and his allies have been suggesting for weeks at a time. About the republican front. runner, longtime radio host Larry Elder.

By the time Mr. Biden arrived in California, Mr. Newsom was in a good position. Yet in the days leading up to the recall, he warned Democrats of the right-wing threat they would face in elections across the country next November.

“Get involved, wake up, this thing is happening,” he said in an interview, calling Mr. Elder a “national spokesperson for an extreme agenda.”

California, which has not elected a Republican governor since the administration of George W. Bush, is hardly a point of contention for next year’s midterms. Yet for Republicans considering lower approval rates for Mr Biden and growing hopeful about their prospects for 2022, the recall failure is less of a worrying omen than a cautious one. on what happens when they present candidates who are easy prey for the opposition.

The last time Democrats controlled the presidency and both houses of Congress, in 2010, Republicans made big gains but failed to reclaim the Senate because they nominated a handful of candidates so flawed they ‘they managed to lose in one of the best midterm elections for the GOP in modern history.

That is, the primaries are important – and if Republicans want the Senate back next year, party officials say, they will do so by elevating candidates who don’t come with the research records of the bulging opposition from a 27-year veteran of right-wing radio..

“Larry Elder saved their lives,” Rob Stutzman, a Republican strategist in Sacramento, said of Democrats. “Until this race had a general electoral context, there wasn’t much enthusiasm for life in California. But when you have the almost perfect caricature of a MAGA candidate, well, you can kick your constituents out. “

Former Governor Gray Davis, the Democrat who was recalled in 2003, put it more concisely: “It was a gift from God,” he said of Mr Elder. “He ran his entire campaign as if the electorate were conservative Republicans.”

Eager for good news after a bleak month, Democrats will nonetheless be able to profit with joy from Mr Newsom’s triumph. After all, Mr. Biden himself knows only too well, from his experience as vice president in 2010, when his party lost the Massachusetts Senate seat vacated by the death of Senator Edward M. Kennedy, that even the safest races cannot be taken for granted in special elections.

In addition, Mr. Newsom’s success politically justifies the president’s decision to issue a mandate on companies to demand the Covid-19 vaccine. The governor has campaigned aggressively on his own vaccine demands and lambasted Mr. Elder for vowing to cancel them.

In fact, before Mr Biden announced the policy on Thursday, Mr Newsom’s lieutenants believed they were leading the way for other Democrats, including the president. “We are doing what the White House needs to do, which is to become more campaigning on vaccines,” Sean Clegg, one of the governor’s top advisers, said last week.

Historically, much of California’s political leanings have been on the right.

From the first election of Ronald Reagan as governor, marking the backlash of the 1960s, to the property tax revolt of the 1970s, foreshadowing Reagan’s national success in the 1980s, the state was somewhat of a box office. Conservative Petri.

Even in recent years, as California turned to the left, it was possible to discern the Republican future in Governor Pete Wilson’s hard line on illegal immigration in the 1990s and in the potent cocktail of celebrity, de populism and platitudes of Arnold Schwarzenegger in the 2000s.

Earlier this summer, it emerged that once again California may herald national trends. Burdened by rising crime, homelessness and Covid fatigue, Mr Newsom has been seen in polls as in danger of being recalled.

His challenge, however, was not a tidal wave of opposition, but democratic apathy.

That started to change when Mr Newsom spent his opponents and Republican supporters on the four-to-one recall on television over the summer. Voter sentiment shifted even more sharply from replacing him once Mr. Elder emerged, turning the contest from a referendum on Mr. Newsom into a more traditional Republican versus Democrat election.

Every Democratic campaign billboard and leaflet, and even the voter guide that was sent to registered California voters, called the vote a “Republican recall,” sporting a scarlet R on the exercise.

A rare convergence of interests between Democrats and Republicans ultimately favored Mr. Newsom: The only people more enthusiastic about raising the profile of Mr. Elder, a black conservative who likes to pierce liberal piety, were the members. paid governor’s staff.

As the media attention has helped Mr Elder became the most popular alternative, he helped Mr Newsom by making sure the contest would look more like a general election than the last, and to this day only, a successful governorship callback from California.

In 2003, Mr. Schwarzenegger was better known for his Hollywood credits than for his politics. He also hammered home a distinctly local issue, the California auto tax, which kept the race focused on state rather than federal policies. And the incumbent, Mr Davis, was far more unpopular than Mr Newsom is.

California was then also a less polarized state. In 2000, Mr. Bush lost California by about 11 percentage points, while retaining Republican redoubts like Orange and San Diego counties. Last year, Mr. Trump was routed in the state by nearly 30 points and decisively lost the same two counties.

Rather than defending his record, Mr Newsom turned his stemmed speech into a chapter-and-verse recitation of Mr Elder’s comments denigrating women, downplaying climate change and questioning the need for a minimum wage.

He also invoked the specter of the Red States and their leaders, despising Republicans ‘handling of Covid, voting restrictions and, in the final days of the campaign, Texas’ restrictive new abortion law.

As minority parliamentary leader Kevin McCarthy, California’s most prominent Republican, kept his distance from the recall, Mr. Newsom was regularly joined by Democratic members of Congress, who linked the recall to Mr. Trump’s refusal of admit defeat and to January 6. storming the Capitol.

“Another kind of insurgency in California,” as Rep. Karen Bass said at a rally in Los Angeles.

Mr. Elder, for his part, readily portrayed himself as the provocateur he is, crushing more moderate GOP hopes like former San Diego Mayor Kevin Faulconer. He vowed to end vaccination mandates for state employees, which applauded conservative crowds but alienated the pro-vaccine majority.

Mr Newsom’s polls showed him to lead 69-28 among Californians who said they had been vaccinated, his advisers said, a significant advantage in a state where nearly seven in ten adults have been vaccinated.

The possibility that Elder-style figures could win primaries in more competitive states alarms many establishment-aligned Republicans as they assess the 2022 landscape.

Candidates too closely tied to Mr. Trump, or carrying personal baggage, or both, could undermine the party’s prospects in states like Georgia, Arizona, Missouri and Pennsylvania, which will prove key to determining control of the Senate.

Likewise, Republicans could struggle in the battlefield governor’s races in Ohio, Georgia and Arizona if far-right candidates win in the primaries thanks to Mr. Trump’s blessing.

In a few states, however, the Trump-era party brand is as toxic as in California.

“It’s not about Schwarzenegger, it’s not even Scott Walker,” Newsom said, referring to the former Republican governor of Wisconsin who pushed back a recall. “It’s about arming this office for an extreme national agenda.”

It is, said the governor, “Trump’s party, even here in California.”


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10 areas with the lowest credit scores in the country https://kr2k.com/10-areas-with-the-lowest-credit-scores-in-the-country/ https://kr2k.com/10-areas-with-the-lowest-credit-scores-in-the-country/#respond Sat, 04 Sep 2021 12:00:00 +0000 https://kr2k.com/10-areas-with-the-lowest-credit-scores-in-the-country/ The rural areas of New South Wales where you might be most likely to be turned away for a loan are Broken Hill, Bourke and Moree. Again, declining income seems to be a problem. All of them have average incomes of less than half of the wealthy suburbs of NSW. Five northern Sydney suburbs top […]]]>

The rural areas of New South Wales where you might be most likely to be turned away for a loan are Broken Hill, Bourke and Moree. Again, declining income seems to be a problem. All of them have average incomes of less than half of the wealthy suburbs of NSW.

Five northern Sydney suburbs top the credit score list. They are the leader Ku-ring-gai, which includes wealthy suburbs like East Linfield, where the average selling price of a house is $ 3.3 million. The others are Pennant Hills, Dural, North Sydney (Mosman and Chatswood) and Lane Cove.

“Average house prices in these areas are all over $ 1 million, with Mossman heading the table at $ 4.5 million,” ClearScore said.

From an income perspective, the suburbs also have some of the highest averages in the country.

Compared to NSW, Victoria underperformed, with just two areas in the top 10 for credit scores. These are the Bayside area, comprising Brighton and the surrounding coastal suburbs, and the suburb of Stonington, east of central Melbourne.

Housing prices there are huge: for example, an average of $ 3.1 million in Brighton.

The rest of the top 10 is made up of two areas of South Australia: the eastern suburb around Burnside and the southern suburb around Mitcham.

WA only has the seaside suburb of Cottesloe on the high score list.

Of course, just because your area is generally good or bad with credit scores doesn’t mean you are. However, your credit score plays an important role in whether or not a new home loan is approved.

Before applying, be sure to request your credit score from one of the many free services available. Tip: You may want to opt out of all marketing during the application process.

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Some of the main things that hurt your credit score are late payments on bills or credit – as little as 14 days late in the case of the latter.

However, you may not be aware that multiple credit applications, especially close together, can lower your credit score as well.

It is therefore crucial to make sure that your credit report is impeccable and that your score is healthy before applying for a home loan refinance.

Nicole Pedersen-McKinnon is the author of How to Get Mortgage-Free Like Me. Follow Nicole on Facebook, Twitter or Instagram.



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Why Nvidia’s future still looks bright after 1,300% returns in the past 5 years https://kr2k.com/why-nvidias-future-still-looks-bright-after-1300-returns-in-the-past-5-years/ https://kr2k.com/why-nvidias-future-still-looks-bright-after-1300-returns-in-the-past-5-years/#respond Sat, 28 Aug 2021 22:17:34 +0000 https://kr2k.com/why-nvidias-future-still-looks-bright-after-1300-returns-in-the-past-5-years/ WWhen it comes to investment rules, Motley Fool analysts Brian Feroldi and Brian Stoffel have no hard and fast rules that can never be broken. That being said, both are very skeptical of companies that rely on one-time purchases and represent technologies that can quickly become mainstream. This is why the two have long moved […]]]>

WWhen it comes to investment rules, Motley Fool analysts Brian Feroldi and Brian Stoffel have no hard and fast rules that can never be broken. That being said, both are very skeptical of companies that rely on one-time purchases and represent technologies that can quickly become mainstream.

This is why the two have long moved away from the graphics chip maker. Nvidia (NASDAQ: NVDA). But when they spent an hour immersing themselves in the business, they were pleasantly surprised. And even though the company’s shares have jumped more than 1,300% in the past five years, both now believe there could be significant upside potential going forward. The potential of quantum computing alone, for example, could justify today’s stock price.

So far, neither has put any stocks in their personal portfolios. But if you want the eight-minute recap of why they changed their view of the business, watch the video below.

10 stocks we like better than Nvidia
When our award-winning team of analysts have stock advice, it can pay off to listen. After all, the newsletter they’ve been running for over a decade, Motley Fool Equity Advisor, has tripled the market. *

They just revealed what they think are the top ten stocks investors can buy right now … and Nvidia was not one of them! That’s right – they think these 10 stocks are even better buys.

See the 10 actions

* The portfolio advisor returns on August 9, 2021

Brian Feroldi has no position in the stocks mentioned. Brian Stoffel has no position in the stocks mentioned. The Motley Fool owns shares and recommends Nvidia. The Motley Fool has a disclosure policy.

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.


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What to do after a hit and run in North Carolina https://kr2k.com/what-to-do-after-a-hit-and-run-in-north-carolina/ https://kr2k.com/what-to-do-after-a-hit-and-run-in-north-carolina/#respond Wed, 25 Aug 2021 14:31:47 +0000 https://kr2k.com/what-to-do-after-a-hit-and-run-in-north-carolina/ A hit and run in North Carolina is a serious violation. Hitting a cyclist or a pedestrian is already life threatening. Leaving the scene of the accident without calling for help could result in serious injury or death. The North Carolina Department of Transportation says 10% of pedestrians struck by a vehicle have died. Getting […]]]>

A hit and run in North Carolina is a serious violation. Hitting a cyclist or a pedestrian is already life threatening. Leaving the scene of the accident without calling for help could result in serious injury or death. The North Carolina Department of Transportation says 10% of pedestrians struck by a vehicle have died. Getting medical intervention as quickly as possible could make all the difference.

While not all hit and run incidents in North Carolina result in injury or death, law enforcement takes all incidents seriously. Getting into someone’s mailbox can be nowhere near as damaging as putting a vehicle in the back or colliding with a cyclist, but the police will still have to investigate the incident. if someone files a report. If a driver is arrested, he could be charged with hit and run for leaving the scene and not leaving a note to identify himself as the responsible party.

hit and run in North Carolina

About 19% of collisions with pedestrians were hit and run in which the driver left the scene of an accident. Distracted driving (and walking) could be a big factor. As individuals are enveloped in their mobile devices, they may become less aware of their surroundings, which can lead to collisions and subsequent hit-and-run. North Carolina hit and run laws require drivers to stop in an accident or collision, call the police and wait at the scene until the investigation is complete.

North Carolina hit and run laws

If you violate the North Carolina hit and run law of stopping and staying at the scene of the accident until law enforcement is removed, you could be subject to penalties. following. Each penalty depends on the severity of the accident:

  • hit and run with material damage only may qualify as a misdemeanor and may be punishable by a fine and up to 120 days in jail, depending on the severity.
  • Hit and run causing serious bodily injury or death: Could result in suspension of your driver’s license, heavy fines, a felony conviction and up to 25-41 months in prison.

Besides the legal aspect of a hit-and-run, your car insurance rates could become considerably higher.

How hit-and-run is affecting auto insurance rates in North Carolina

Drivers who break the law by leaving the scene of an accident may be viewed by insurance companies as high risk. After all, many hit and run incidents in North Carolina result in serious injury or death to victims left behind. A hit-and-run conviction on your record could impact your auto insurance for years to come. Bankrate’s research into hit-and-run rates by state, collected through Quadrant Information Services, found that North Carolina drivers, on average, have one of the largest annual premium increases in the country.

Average annual premiums for full coverage:

Before a hit and run After a hit and run After a responsible accident
north carolina average $ 1,325 $ 5,978 $ 1,933
national average $ 1,674 $ 3,367 $ 2,311

4 things to do after a hit and run in North Carolina

A hit and run can be a frightening and confusing situation. Some people react to an accident by leaving the scene of an accident to realize the potential harm of their decision. Knowing what to do in advance to avoid hit-and-run charges and the consequences of an accident could be very helpful. Keep these things in mind:

  1. Stop: Always stop after an accident. It is a crime to leave the scene of the accident before help arrives. Try to park in a safe place so you can get out of your vehicle and see what has happened.
  2. Try to stay calm and call for help: If other people are involved, they may be upset or overwhelmed. It is essential to keep a cool head in assessing the situation. Above all, make sure everyone is okay. If someone is injured or seems disoriented, call emergency services for help.
  3. Leave a note: If you knock on someone’s property and they are not present, leave them a note explaining what happened, including the date, time, your phone number, and location information. ‘assurance.
  4. Contact your insurance company: Call your insurer to explain the accident. This helps your insurer prepare if someone files a claim. Provide as much detail as possible, such as location, date and time of the incident, police report, photos, and witness information.

Will the insurance cover a hit and run?

There are generally three types of insurance coverage that cover a hit and run. Only one coverage is mandatory, although other coverage options may be particularly beneficial in providing sufficient financial assistance following a hit-and-run:

  • Liability coverage: This is compulsory insurance that helps pay for injuries and damages you cause to others, as well as your legal costs within the limits of your policy.
  • Collision coverage: This optional coverage is part of a fully insured auto insurance policy and reimburses you for damage and repairs to your vehicle in the event of a responsible accident.
  • Coverage for uninsured / underinsured motorists: This coverage may be automatically offered in some states, but it is also optional to help pay for your expenses if someone else is at fault but does not have coverage or sufficient coverage. If you’ve been the victim of a hit-and-run, coverage could cover your losses if you can’t find who hit you and left the scene of the crime.

Frequently Asked Questions

How much does auto insurance cost?

The average cost of auto insurance is $ 565 per year for minimum insurance and $ 1,674 per year for full coverage. However, the rates are personalized and will vary according to your type of vehicle, your postal code and your driving record.

How much does my auto insurance increase after a hit and run in North Carolina?

A hit and run is a serious violation that will have a huge impact on your auto insurance premiums. Bankrate found that coverage after a hit and run in North Carolina is $ 5,978 per year, compared to $ 1,325 per year for a clean record. That’s an increase of more than four and a half times.

What is the best auto insurance company?

Vehicle coverage is not a universal solution. What may be best for you may not be ideal for someone else. Finding the best auto insurance company takes work. Determine the amount of auto insurance you need based on the state’s minimum requirements and the coverage you can afford. Consider getting multiple auto insurance quotes to compare and choose the best carrier.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:

  • $ 100,000 liability for bodily injury per person
  • $ 300,000 in civil liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.

These are sample rates and should only be used for comparison purposes.

Incident: The rates were calculated by evaluating our basic profile with the following incidents applied: clean criminal record (basic), responsible accident, single speeding ticket, single conviction for driving while intoxicated and forfeiture of coverage.


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