jollibet casino

jollibet casino You may have seen offers to bundle your home and auto insurance for a discount. It’s typically optional for customers. A North Texas homeowner tells NBC 5 Responds her insurance company told her she would have to bundle to keep the current policy on her house. Read on for what this may mean for consumers who are already facing soaring rates. 'THIS IS STRONG-ARMING ' Sally Little of Azle shared a letter with NBC 5 Responds from her insurance company. In it, the company writes it would not renew her homeowner's policy when it expired unless Little added a personal auto policy too. Little said another insurance company covers her vehicles because, in her case, bundling wasn’t a better deal. “That’s what struck me, that’s what really dinged me into saying this is strong-arming,” Little said. “Almost trying to hold me hostage into staying with this particular company.” Little wasn’t alone. So far this year, the Texas Department of Insurance said it received 37 complaints about insurance requiring consumers to bundle in order to renew a home policy. According to the TDI, all the complaints were from Farmers' policyholders. In October 2023, Farmers Insurance Exchange filed new underwriting guideline rules for state review. The review is still pending. In Texas, insurers can request and implement a change before regulators formally approve them. We weren’t able to read the full filing. Farmers marked it confidential because the document may include trade secrets. We could see the company’s responses to state regulator questions about the bundling guideline. Farmers said the underwriting guideline would be part of its risk strategy and customers with auto policies, who don’t own a home, wouldn’t have to bundle. Farmers also told regulators it has not filed this guideline in any other state. NBC 5 Responds reached out to Farmers Insurance Group. It hasn’t responded to our questions for this story. The Insurance Council of Texas , a trade group that lists Farmers as a member, tells NBC 5 Responds, in part, “In Texas, insurers make decisions to manage and efficiently underwrite their risks, particularly in challenging market conditions. If a policyholder prefers not to bundle auto and home coverage with one insurer, they have the option to seek coverage elsewhere.” It also wrote, “Texas remains a competitive insurance market, with hundreds of companies actively offering auto and home policies and seeking new business—unlike some other states with limited insurer availability.” CONSUMER CHOICE “Any insurance company scheme that requires us to buy two policies from them is anti-consumer,” said Ware Wendell, executive director of the nonpartisan consumer group, Texas Watch . Wendell said if insurance companies require a consumer to bundle to keep a policy, it ultimately means fewer choices for customers. Consumers have long been told to shop around to find the best rates. “If we're now forced to buy two policies instead of one from the same insurance company, there's less competitive pressure on the company to keep their rates reasonable. We're going to end up paying even more at a time where we're paying too much,” said Wendell. This fall, Texas lawmakers held hearings over insurance costs. For the 2025 legislative session, State Senator Royce West of Dallas filed Senate Bill 213. It would prohibit insurers from requiring bundling. “We don't want to drive the industry out of the market, but we sure don’t want to price Texans out of the market also,” West told NBC 5 Responds. “We're going to have to find a happy medium.” Insurance companies have told lawmakers they’re trying to recover losses from more frequent and destructive storms. According to this National Association of Insurance Commissioners analysis report , homeowners insurance claim costs are driving a third straight year of underwriting losses for the industry in 2023. Wendell said underwriting losses don’t paint the full picture. “That's not the only way that insurance companies make money. It's not just taking your premiums and then paying back claims costs to the people who have claims in that given year. They take our premiums, they pool them, and then they go invest them in the stock market,” Wendell said. REGULATORS ASK FOR INPUT The Texas Department of Insurance is also looking at “tying requirements” – like the kind described in Little’s notice of nonrenewal. November 8, the TDI published an informal draft of a proposed rule that would prohibit insurers from requiring customers buy both residential property and personal auto insurance as a condition of policy delivery, issuance or renewal. The TDI said this is an early step to get input before potentially filing a formal rule proposal. People who want to weigh in on the informal draft of the proposed rule can email comments to PropertyCasualty@tdi.texas.gov . The comment period for the working draft closes at 5 p.m. on Thursday, December 5, 2024. The Insurance Council of Texas said it’s reviewing the informal draft rule and evaluating the proposed legislation. WHAT TO DO IF INSURANCE DOESN’T RENEW “I don’t know how far this is going to go or if other insurance companies are going to follow suit,” Little told NBC 5. Little said she spent hours getting quotes for insurance and is switching to another provider for her home policy. Little did what experts recommend consumers do as soon as they receive notice of nonrenewal: act quickly and start shopping. The TDI said your insurance company must give you 60 days’ notice of a nonrenewal. It has to tell you why it’s not renewing your policy in writing. To start comparing available policies, you can go to www.helpinsure.com . Then, request quotes. Experts recommend you try to get an apples-to-apples comparison. Compare deductibles and consider if the same policy carries different deductibles for different types of losses. For example, a policy may carry a one or two-percent deductible for many losses and a six-percent deductible for hail or wind damage. Look for terms like actual cash value (ACV) or replacement cost value (RCV). As the Office of Public Insurance Counsel explains : ACV coverage pays less than RCV coverage because it factors in age and wear and tear. Ask about discounts, including technology packages for water detection devices or security doorbells. You can read more about questions to ask when you shop for policies here . NBC 5 Responds is committed to researching your concerns and recovering your money. Our goal is to get you answers and, if possible, solutions and a resolution. Call us at 844-5RESPND (844-573-7763) or fill out our customer complaint form .

Americans have doubts about Trump nominees, poll shows

UConn F Alex Karaban (head) won't play vs. Baylor

Welcomes 21 new multi-millionaires within first month of launching . Casino Plus recently achieved a major milestone, marked with a celebratory press conference held on November 11, 2024, at the Stotsenberg Hotel in Clark Freeport, Pampanga. Since the release of Color Game Big Win Jackpot on October 10, 2024. The game aims to award 33 multi-millionaire winners, with opportunities still available for players to join the list over the next two months. As of the event date, 21 multi-millionaires had already joined the ranks, each winning a ten-million Jackpot. Four celebrating winners joined the event to share their excitement and stories with an enthusiastic audience. Color Game with Enhanced Mechanisms Live Ceremony and Drawing Prize To bring the celebration to a wider audience, Casino Plus shared live updates and coverage on its official website. Kapamilya actress and Casino Plus Endorser, Barbie Imperial joined the live broadcast, adding star power to the event. An additional drawing offered, a special prize to be credited on their Casino Plus account for the live viewers tuning in from home, creating an exciting engagement opportunity. A Record of Success With this milestone, Casino Plus celebrates the 90th millionaire in Color Game’s history, having awarded approximately 730 million PHP in jackpots (each at a minimum of 1 million) to date. This accomplishment continues to reinforce Casino Plus’s dedication to delivering extraordinary, life-changing jackpots. About Casino Plus : Casino Plus, also known as Casino Plus PH, is a premier online casino in the Philippines, offering a diverse selection of games, including popular slots and live table games like baccarat and roulette. Classic favourites such as Blackjack, Pai Gow Poker, and Coin Combo are available, as well as Filipino classics like Pula-Puti and Color Game. Fully PAGCOR-certified, Casino Plus provides a trusted and secure gaming experience with substantial jackpot offerings. For more information, you may visit its official website https://www.casinoplus.com.ph/ or social media https://www.facebook.com/CasinoPlusPH Being business-savvy should be fun, attainable and A+. BMPlus is BusinessMirror's digital arm with practical tips & success stories for aspiring and thriving millennial entrepreneurs.TORONTO (AP) — The Utah Hockey Club said players were forced to walk to their game against the Maple Leafs after their bus got stuck in Toronto traffic Sunday night. The team posted a video on social media of team members walking to Scotiabank Arena, with player Maveric Lamoureux saying the bus was “not moving at all.” Several city streets had been closed during the day for the annual Santa Claus parade. The Maple Leafs earned their fourth consecutive win by defeating Utah 3-2. The viral incident prompted Ontario Premier Doug Ford to call the congestion “embarrassing” and “unacceptable,” highlighting his government’s plan to address the city’s gridlock through bike lane legislation. It wasn’t the first time a Toronto visitor had to ditch their vehicle to make it to an event on time. In June, former One Direction band member Niall Horan had to walk through traffic to get to his concert at Scotiabank Arena. AP NHL: https://apnews.com/hub/nhl

MIDTOWN, Manhattan -- A suspect is on the loose in what police called the "brazen" targeted attack of Brian Thompson , the CEO of major insurance group UnitedHealthcare who was fatally shot outside a Midtown Manhattan hotel ahead of an investor conference on Wednesday. The masked gunman appeared to be lying in wait outside the Hilton hotel in what police said was a "premeditated" attack. The shooter arrived at the scene about five minutes before Thompson before shooting the victim in the chest around 6:40 a.m., police said. Video captured the moment the gunman walked up behind the CEO, pointed his gun at him and fired. A witness fled as Thompson stumbled and fell to the ground. The gunman then walked closer to Thompson, firing more times before fleeing. The suspect fled on foot into an alley, where a phone was recovered, according to NYPD Chief of Detectives Joseph Kenny. He then fled on a bike and he was last seen riding into Central Park at 6:48 a.m., police said. Police released photos of the suspect holding a firearm and on a bike. They also released photos of the suspect in a mask in an undisclosed location. He was described by police as wearing a light brown or cream-colored jacket, a black face mask, black and white sneakers and a "very distinctive" gray backpack. Detectives have retrieved a water bottle and candy wrapper from the area where he was apparently waiting and are currently running tests and analyses to determine if there are any usable fingerprints or DNA, law enforcement sources said. At the same time, NYPD detectives are working with the U.S. Marshals Service to try and track down the shooter and with the FBI, which has the most sophisticated technology for retrieving usable data from cell phones, sources said. The victim's hotel room has already been accessed by investigators, whose top priority is determining Thompson's most recent conversations and movements, sources said. The working theory among detectives right now is that the shooting was carried out by someone who is not a professional killer because too many "mistakes" were made, sources said. Hitmen typically don't carry cell phones to their hits and the shots were fired from a distance that would be considered "too far" away from the victim, the sources said. At this point, detectives are trying to determine whether Thompson was targeted because of some type of personal conflict or as a result of his work as an insurance executive, sources said. The killer apparently had some knowledge of Thompson's schedule on Wednesday and the fact that he would be arriving at the Hilton well before the company meeting was to begin, the sources said. Police are interviewing Thompson's colleagues and family about any potential specific threats, Kenny said. Thompson , 50, was in New York City for the UnitedHealthcare investors conference, which was scheduled to start at 8 a.m. The conference was being held at the Hilton outside of which he was shot, but he was not staying there, police said. UnitedHealthcare's parent company, UnitedHealth Group, the largest health insurer in the world, said in a statement, "We are deeply saddened and shocked at the passing of our dear friend and colleague Brian Thompson." "Brian was a highly respected colleague and friend to all who worked with him," the company said. "We are working closely with the New York Police Department and ask for your patience and understanding during this difficult time. Our hearts go out to Brian's family and all who were close to him." Police urge the public to call Crime Stoppers with any information. A $10,000 reward is being offered for information leading to the arrest and conviction of the person responsible.6,000 inmates escape from a high-security prison as post-election violence roils Mozambique

Drop in Boxing Day footfall ‘signals return to declining pre-pandemic levels’

Wall Street stocks finished a lackluster week on a muted note Friday as concerns about rising Treasury bond yields competed with enthusiasm over artificial intelligence equities. Of the major indices, only the Nasdaq mustered a gain in Friday's session. The tech-rich index was also the only of the three leading US benchmarks to conclude the week higher. "Equities are kind of treading water," said LBBW's Karl Haeling. "A negative influence to some extent is the rise in bond yields." The latest US consumer price index data released this week showed prices ticked higher in November and the wholesale data also showed stubborn inflationary pressures. "Yields rose to their highest levels in over two weeks as markets brace for the Federal Reserve's final meeting of the year, reflecting concerns over sticky inflation," said Chris Beauchamp, chief market analyst at online trading platform IG. There is also growing concern over the inflationary pressures from President-elect Donald Trump's pledges to cut taxes and impose tariffs, as inflation still stands above the Fed's target. "While the markets still anticipate a rate cut from the Federal Reserve next week, the likelihood of a move in January has dropped," said Patrick Munnelly, partner at broker Tickmill Group. The CME FedWatch tool shows the market sees a more than 75 percent chance that the Fed will hold rates steady in January. In Europe, the Paris CAC 40 index ended the day down 0.2 percent after French President Emmanuel Macron named his centrist ally Francois Bayrou as prime minister, ending days of deadlock over finding a replacement for Michel Barnier. Frankfurt also dipped, with Germany's central bank sharply downgrading its growth forecasts on Friday for 2025 and 2026. It predicted a prolonged period of weakness for Europe's biggest economy. London stocks were also lower after official data showed that the UK economy unexpectedly shrank for the second consecutive month in October. The euro recovered after flirting with two-year lows against the dollar following a warning Thursday by ECB president Christine Lagarde that the eurozone economy was "losing momentum", cautioning that "the risk of greater friction in global trade could weigh on euro area growth". In Asia, Hong Kong and Shanghai both tumbled as investors were unimpressed with Beijing's pledge to introduce measures aimed at "lifting consumption vigorously" as part of a drive to reignite growth in the world's number two economy. President Xi Jinping and other key leaders said at the annual Central Economic Work Conference they would implement a "moderately loose" monetary policy, increase social financing and reducing interest rates "at the right time". The gathering came after Beijing in September began unveiling a raft of policies to reverse a growth slump that has gripped the economy for almost two years. "We're still not convinced that policy support will prevent the economy from slowing further next year", said Julian Evans-Pritchard, head of China economics at research group Capital Economics. Among individual equities, chip company Broadcom surged nearly 25 percent after reporting a 51 percent jump in quarterly revenues to $14.1 billion behind massive growth in AI-linked business. New York - Dow: DOWN 0.2 percent at 43,828.06 (close) New York - S&P 500: FLAT at 6,051.09 (close) New York - Nasdaq Composite: UP 0.1 percent at 19,926.72 (close) London - FTSE 100: DOWN 0.1 percent at 8,300.33 (close) Paris - CAC 40: DOWN 0.2 percent at 7,409.57 (close) Frankfurt - DAX: DOWN 0.1 percent at 20,405.92 (close) Tokyo - Nikkei 225: DOWN 1.0 percent at 39,470.44 (close) Hong Kong - Hang Seng Index: DOWN 2.1 percent at 19,971.24 (close) Shanghai - Composite: DOWN 2.0 percent at 3,391.88 (close) Euro/dollar: UP at $1.0504 from $1.0467 on Thursday Pound/dollar: DOWN at $1.2622 from $1.2673 Dollar/yen: UP at 153.60 yen from 152.63 yen Euro/pound: UP at 83.19 pence from 82.59 pence Brent North Sea Crude: UP 1.5 percent at $74.49 per barrel West Texas Intermediate: UP 1.8 percent at $71.29 per barrel burs-jmb/stFor two years, Colorado fans have been entertained with some of the best players to come through Boulder. Travis Hunter and Shedeur Sanders, and many others with the 20th-ranked Buffaloes (9-3, 7-2 Big 12), will wrap up their collegiate careers with a bowl game later this month and turn their focus to the NFL. Head coach Deion Sanders, his staff and Buff Nation, however, are already peeking ahead to 2025. On Wednesday, Coach Prime and his staff signed 14 high school players as the early, three-day signing period began. In the ever-changing world of college football, this is the earliest the signing period has ever been, more than two weeks earlier than last year (Dec. 20). It’s the first step in reshaping a CU roster without Shedeur at quarterback and Hunter at cornerback and receiver. According to 247Sports, the Buffs’ class, as of Wednesday, ranks 37th nationally and fourth in the Big 12 Conference. Class size plays a role in those rankings and Coach Prime has never been one to build up a large class of prep recruits. In terms of average player rating (or the quality of the recruits), the Buffs lead the Big 12 and rank 21st nationally. The headliner of the class is Shedeur’s potential replacement, five-star quarterback Julian “JuJu” Lewis from Carrollton (Ga.) High School. With a .9831 rating on 247Sports.com, Lewis is the highest-rated high school quarterback to ever sign with the Buffs. Lewis was verbally committed to USC for 15 months before flipping to CU last month. Prior to Wednesday, Coach Prime could not talk about specific recruits. On Nov. 21, however, the day Lewis committed, Coach Prime had his coaches’ show and spoke about the newest commit, without mentioning his name. “It’s a great thing for the program,” he said. “We know that’s been in the working for quite some time. Great kid, great talent. I like the qualities and the home structure. I like all of that and I can’t wait to be a part of his life and coach him.” In recent years, Lewis has been close with former CU great quarterback Kordell Stewart, who is also a friend of Coach Prime. While securing one of the top quarterbacks in the country, the Buffs also put an emphasis on protecting him. Of the 14 players in the class, three are offensive linemen and two are tight ends. Two four-star linemen – Chauncey Gooden (Nashville, Tenn.) and Carde Smith (Mobile, Ala.) – lead the way up front. Combined, they had 73 scholarship offers. Smith, like Lewis, was committed to USC until recently, while Gooden was projected by some to go Clemson before committing to CU last summer. Three-star Jay Gardenhire is also joining the class as a 6-foot-8, 330-pound tackle from West Bloomfield, Mich. The Buffs also landed three receivers, all from Texas high schools: four-star prospects Quanell Farrakhan Jr. and Adrian Wilson and three-star Quentin Gibson. Defensively, the Buffs have added two linemen, an edge rusher, a linebacker and a safety. The group is headlined by four-star edge London Merritt, who was committed to Ohio State before flipping to CU last week. As a new crop of Buffs prepares to come to Boulder, the outgoing seniors have expressed confidence that even with them gone, success will continue. “We definitely laid the foundation for the younger guys to come up and keep their foot on the gas pedal, keep going, keep playing, and just believe in coaching,” Hunter said recently. Senior safety Cam’Ron Silmon-Craig said that when he comes back to Boulder in a few years, he expects to see more trophies on display. “We’re gonna have 2025 trophies, 2026, 2027 trophies,” he said. “That’s the standard, to win, at the end of the day.” Shedeur, projected as a top-five selection in the 2025 draft, even said he’ll do his part by donating money to the NIL collective to ensure the Buffs’ success will continue. “My main thing is surround them and give them everything that I wish I could have had,” he said after the win against Oklahoma State. “So it’s basically set them up for success, and everything in my power, I personally could do, I’m gonna do. I’m gonna donate to the collective for sure. “I’ll make sure you have a super team next year. I’m just happy for the new guys coming in and that we paved away for them. They just got to take control. They just got to take over. We’re gonna make sure everything is good, how they need it.” CU did lose one commit on Wednesday, as four-star safety Alex Graham from Detroit flipped and signed with USC. He had been committed to CU since April. ... CU signed one in-state recruit, tight end Zayne DeSouza from Loveland High School. He’s just the second in-state recruit signed by Coach Prime in three recruiting cycles, with the other being current sophomore center Hank Zilinskas from the 2023 class. ... For decades, California was a recruiting hotbed for CU, but the Buffs haven’t signed any players from the Golden State in the last two classes.

ATI Physical Therapy ( NYSE: ATIP ) said on Tuesday that it has received notification from the New York Stock Exchange indicating that the company's Class A common stock will be delisted, and trading of its Class A common stock on the

Top CB prospect fakes Auburn switch before flipping commitment from Ohio State to OregonStroud accepts blame for Houston's struggles after Texans lose to TitansMorris-Hardeman to seek re-election to USD 383 board

Steelers vs. Browns betting guide, Thursday Night Football odds: Best AI, model, expert, and DFS fantasy picksBillionaires Are Selling NVIDIA and Picking Up This TSX StockNone