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Gymnastics doctor facing at least 25 years in prison

first_imgCoco’s house rules on ‘Probinsyano’ set Nassar, 54, is charged with molesting seven girls, all but one of whom were gymnasts, mostly under the guise of treatment at his Lansing-area home and a campus clinic. He’s facing similar charges in a neighboring county and lawsuits filed by more than 125 women and girls.Olympic gymnasts Aly Raisman, McKayla Maroney and Gabby Douglas are among the women who have publicly said they were among Nassar’s victims.FEATURED STORIESSPORTSRedemption is sweet for Ginebra, Scottie ThompsonSPORTSMayweather beats Pacquiao, Canelo for ‘Fighter of the Decade’SPORTSBack on the throneThe plea deal in Ingham County calls for a minimum prison sentence of 25 years, but a judge could set the minimum sentence as high as 40 years. In Michigan, inmates are eligible for parole after serving a minimum sentence.The girls have testified that Nassar molested them with his hands, sometimes when a parent was present in the room, while they sought help for gymnastics injuries. Kiss-and-tell matinee idol’s conquests: True stories or tall tales? Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award LATEST STORIES FILE – Former Michigan State University and USA Gymnastics doctor Larry Nassar (L) with defense attorney Matt Newberg (R) in the 55th District Court where Judge Donald Allen Jr. bound him over on June 23, 2017 in Mason, Michigan to stand trial on 12 counts of first-degree criminal sexual conduct. / AFP PHOTO / JEFF KOWALSKYDETROIT — A sports doctor accused of molesting several girls while working for USA Gymnastics and Michigan State University will plead guilty to multiple charges of sexual assault and face at least 25 years in prison, a person with knowledge of the agreement said Tuesday.The person was not authorized to publicly discuss the agreement ahead of a Wednesday court hearing for Dr. Larry Nassar in Michigan’s Ingham County and spoke to The Associated Press on condition of anonymity.ADVERTISEMENT Jo Koy: My brain always wants to think funny Smalling defends himself after England omission OSG plea to revoke ABS-CBN franchise ‘a duplicitous move’ – Lacson Don’t miss out on the latest news and information. center_img “He convinced these girls that this was some type of legitimate treatment,” Assistant Attorney General Angela Poviliatis told a judge last summer. “Why would they question him? Why would they question this gymnastics god?”Separately, Nassar is charged with similar crimes in Eaton County, the location of an elite gymnastics club. He also is awaiting sentencing in federal court on child pornography charges.Sports Related Videospowered by AdSparcRead Next MOST READ Steam emission over Taal’s main crater ‘steady’ for past 24 hours It’s too early to present Duterte’s ‘legacy’ – Lacson View comments Jake says relationship with Shaina ‘goes beyond physical attraction’ Jake says relationship with Shaina ‘goes beyond physical attraction’ Margot Robbie talks about filming ‘Bombshell’s’ disturbing sexual harassment scenelast_img read more

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Term limits target of measure

first_imgIncumbents whose political careers could be extended by the proposal include Senate President Pro Tem Don Perata, an Oakland Democrat whose seat Chan wants. She said she hasn’t decided whether she’ll challenge Perata in the June 2008 Democratic primary if the initiative passes and Perata runs for another term, as he says he plans to do. “It does create some uncertainty,” said Chan, who was termed out of the Assembly in 2006 and has raised more than $400,000 for a Senate bid. “I have a (campaign) committee. I’ve raised a lot of money. We are just trying to move ahead.” Chan, D-Oakland, is among nearly 90 non-incumbents who have announced their intentions to run for the Legislature in 2008, most of them for the 34 seats that would become vacant without the initiative. They include about 20 former lawmakers who hope to return to the Legislature after being termed out of one house or losing a race for another office. SACRAMENTO – Former Assemblywoman Wilma Chan is hoping to survive the musical-chairs game created by California’s term limits and win a state Senate seat next year. She might have to wait a bit longer if an initiative that would alter term limits makes the Feb. 5 ballot. The proposal could thwart the hopes of dozens of other candidates who are planning to run for legislative seats in 2008. At the same time, it could enable some incumbents to remain in office longer. The proposed term-limits changes, revealed last month by political consultants with close ties to Democrats in the Legislature and the governor, is supported by some current lawmakers. Backers expect to begin gathering voter signatures early in April to put it on the ballot next February, when California will hold its presidential primary. California’s current term limits allow someone to serve up to three, two-year terms in the 80-seat Assembly and two, four-year terms in the 40-seat Senate, for a total of 14 years. The initiative would reduce the term limit to 12 years but allow legislators to serve it all in one house. Legislators such as Chan who want to move to the Senate after reaching their Assembly term limits often have to sit out for a couple of years and run against former colleagues for the fewer available Senate seats. The scramble resembles a political version of musical chairs. Assemblywoman Loni Hancock, D-El Cerrito, also wants Perata’s seat but said she won’t run against him if voters approve the initiative seeking to modify term limits. If it passes, she would be eligible to run again for the Assembly. Supporters say the initiative would increase continuity and reduce the experience drain that hits every two years, particularly in the Assembly. Chan said the current term limits, especially for Assembly members, “are way too short.” 160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!last_img read more

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Grande Prairie RCMP looking for missing 11 year-old girl

first_imgThe parents of Emily Harvey reported to police that their daughter left the residence in the area of 92nd Avenue and 99th Street at approximately 8 p.m. Emily told her older sister that she was going out and would be right back. She did not say where she was going. Emily has not been seen since. She is described as 5 foot 3-4 inches tall, 110-120 lbs, thin, light skin, with black hair and brown eyes. Emily was last seen wearing a black tank top with a white symbol on it. No other descriptions of clothing were available to the police.RCMP are concerned for her safety. They need to locate and speak with Harvey immediately. Police are asking anyone who has any information regarding the whereabouts of Emily Harvey or has recently seen her to contact the Grande Prairie RCMP at 780-830-5701 or Crime Stopper at 1-800-222-8477.- Advertisement –last_img read more

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Match aborted after Senator Murkomen nets equalizer

first_imgThey directed their anger to the center referee whom they blamed for adding more extra minutes that provided a chance for the Senate Majority leader to restore parity.Heading into the interval, both teams shared a goalless draw before the MCAs broke the deadlock minutes into the second half from a Mark Macharia shot that sent them ahead.The Senators had to wait deep into the dying minutes of injury time to find the equalizer through Murkomen who connected home after receiving a measured cross from his  Mombasa counterpart Mohammed Faking.-Busia sail through to Semis-The Inter County Games currently ongoing in Machakos. Photo/COURTESYIn other matches, Busia County soccer team sailed through to the semifinals of the Kenya Inter-Counties Sports and Cultural Association Games after beating Mombasa 5-4 on penalties.Busia rallied two goals down at halftime to make a comeback and force a 2-2 draw to send the clash into post match penalties which they triumphed to storm the semi-finals.To reach the quarters, Busia had stunned 2016 bronze medalists Trans Nzoia 1-0 in the round of 16 thanks to a lone goal from skipper Jafar Yakub.Trans Nzoia should have forced the match into penalties when referee Damaris Kimani awarded them a penalty in the 88th minute  but  their  keeper Benjamin Wafula who stepped up to  take it squandered the golden chance as the keeper saved.Kisii under former Harambee Stars striker Henry Motego as coach, were beaten 2-0 by Kilifi to deny them a chance of progressing to the knock out phase. Hosts Machakos qualified for the semis after beating Uasin Gishu 1-0 in the quarterfinals.However, there was drama in the other quarter final match pitting Kisumu and Bungoma after center referee Clement Wanjala was beaten by Kisumu players led by their coach following a 5-5 tie in post match penalties.Kisumu protested the decision by a Bungoma player to change the position of the ball, thus leading to the incident that left Wanjala injured leading the match to be abandoned.Busia County are through to the semis. Photo/COURTESYKilifi continued with their giant killing feat when they beat Kiambu 1-0 to book a ticket for the quarter finals.In other round of 16 matches, Mombasa beat Nandi 3-2 on penalties after a goalless draw in regulation time. Uasin Gishu also booked a place in the last eight after beating Siaya 1-0 while Machakos beat Narok 1-0.-Netball-Busia County Assembly netball team’s dream of winning the trophy was shattered by The Senate which beat them 12-8 in the final played at Machakos Teachers Training College.However, Busia protested the decision to award The Senate the title and a place for the East African Local Authority Games in Kampala next month saying they should be regarded as guests in CASA games.Busia had earlier knocked out defending champions Nairobi 10-9 in the semifinals to s set a final berth with The Senate.-By Terry Nzau-0Shares0000(Visited 2 times, 1 visits today) 0Shares0000The match was aborted in the second half when Nairobi MCAs protested the leveller that had denied them victory to see the scoreline read 1-1. Photo/COURTESYMACHAKOS, Kenya, Nov 23 – A referee was forced to flee for safety after a last gasp equalizer from Elgeyo Marakwet Senator Kipchumba Murkomen caused the abandonment of the round of 16 CASA match pitting the Senate against Nairobi Members of County Assembly played at the Kenyatta Stadium in Machakos on Thursday.The match was aborted in the stoppage time when Nairobi MCAs protested the leveller that had denied them victory to see the scoreline read 1-1.last_img read more

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Roach discovers success as a trainer

first_img“It was a good feeling,” Roach said. “I think if it wasn’t for Virgil Hill, I probably wouldn’t be training.” Training, he is. Roach offers fighters a wealth of experience and utter calm in the corner. You’ll never see him yelling and screaming at his fighters after a poor round. “He has the ability, when he works the corner, to remain very calm and I like that in him,” said West Covina’s Frank Espinoza, who manages one of Roach’s current champions, Israel Vazquez. Vazquez knocked out Oscar Larios in a super bantamweight title fight last month in Las Vegas. Larios had stopped Vazquez in the 12th round in May 2002, but Vazquez did not yet have Roach in his corner. “Freddie has a way of mentally preparing your fighter to go to the next level,” Espinoza said. “Without Freddie, I don’t think we would have won that fight. I think he is the hottest trainer in the game right now.” Besides Pacquiao and Vazquez, Roach is training light flyweight champion Brian Viloria, heavyweight contender and three-division world champion James Toney as well as hot prospect and 2004 Olympian Vanes Martirosyan. Roach has 11 fighters in his current stable. Roach, ever the humble man, gives all the credit for his success to Futch. “I worked for him for five years as an assistant and he taught me the game inside and out,” Roach said. “I think the reason for my success is Eddie Futch.” In particular, Roach said his demeanor in the corner is a reflection of Futch’s tutelage. “I believe in getting the fighter back to the corner and getting him calmed down so he can absorb what you are telling him,” said Roach, 45, who compiled a record of 39-13 with 15 knockouts as a lightweight from 1978-86. “I don’t want to get him back to the corner and yell at him. And I don’t think fighters respond to yelling. The first thing I do is get them to take a deep breath or two. I believe in Eddie’s style. It has worked for me.” Pacquiao has noticed. Although he lost a narrow decision to Morales in their first fight last March, Pacquiao said Wednesday that a trainer like Roach can make all the difference in the world. “He is very experienced,” said Pacquiao, from the Philippines. “I like his style. He is a good trainer. Very humble and very calm.” At this rate, Roach will no doubt end up enshrined in the International Boxing Hall of Fame in Canastota, N.Y. Not bad for a guy who “hated boxing.” “I just tell people I’m a good trainer,” Roach said, “because I hang around with good fighters.” Just call Roach calm and classy. robert.morales@sgvn.com (626) 962-8811, Ext. 2213 160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! Well, look at him now. Roach, thanks to sheer happenstance, began life as a trainer at age 26, shortly before he retired. Nineteen years later, he has trained 18 world champions and has become one of the best in the game. AD Quality Auto 360p 720p 1080p Top articles1/5READ MORESanta Anita opens winter meet Saturday with loaded cardRoach, who trains fighters out of the Wild Card Gym in Hollywood, will be in Manny Pacquiao’s corner Saturday when Pacquiao takes on Erik Morales in the super featherweight main event at the Thomas & Mack Center in Las Vegas. It started with Virgil Hill, the former light heavyweight/cruiserweight champion. Roach was trained by the late Eddie Futch, one of the great trainers in history. During Roach’s final year in the ring, Futch was busy preparing heavyweight champion Michael Spinks for his second fight against Larry Holmes in April 1986. Hill also was being trained by Futch, whose plate was overflowing. “Virgil was being trained by Eddie and Eddie asked me if I would take over and help,” said Roach, who said he never had any intention of becoming a trainer. Alas, a trainer was born. Roach stayed with it and was in Hill’s corner when Hill fought for the light heavyweight championship in September 1987 against Leslie Stewart. Hill won the title with a fourth-round technical knockout. Futch was still considered the chief trainer, but it was Roach who was with Hill during training camp. Futch flew in the day of the fight and helped Roach work the corner. center_img FREDDIE Roach retired as a fighter shortly after his last bout in October 1986. He was bitter and broke. “I hated boxing,” Roach said. “I put everything in my life into it and didn’t get much out of it. My biggest payday was $13,000 when I fought Hector Camacho. When I retired, I didn’t have much and I had to get a job as a telemarketer.” last_img read more

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PR employees: Bills for port were inflated

first_img AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREOregon Ducks football players get stuck on Disney ride during Rose Bowl eventOutside the jury’s presence, Feess said Moses’ testimony about “value billing” was “highly relevant” to the government’s theory it was used as a rationalization for fraud. Both Moses, an account executive, and Langan, a vice president, said handwritten notations for hours they hadn’t worked were added to their billings. On July 10, 2003, a bill showed Moses and Stodder purportedly spent an hour discussing shipping at the port, but Moses’ records showed he was on vacation. Moses testified he didn’t have the shipping discussion with Stodder on that date. Under cross-examination, Langan acknowledged she didn’t know whether most of the port bills Stodder wrote up were legitimate. Port bills for September 2002 and January 2003 were written up by Stodder for more than $6,000, but Langan said she knew of two billings in September 2002 that were incorrect because they were on her account. “I stand by my time entry,” Langan testified. Under terms of the contract, Fleishman-Hillard submitted the port bills under “penalty of perjury.” Langan said she had a good working relationship with Dowie, whom she described was a “workaholic” who took pride in his job. She said she’d heard about write-ups from Steve Sugarman – a former senior vice president who left in February 2002 and has since pleaded guilty to fraud – but didn’t talk to Dowie or Stodder about them, assuming they knew. She also agreed that some write-ups were legitimate. In previous testimony under immunity, Monique Moret, a former vice president who reported to Stodder, said Dowie was told in a 2003 meeting that DWP bills were being inflated, but did not stop it. Defense attorneys challenged her credibility, and Moret admitted to giving government investigators incorrect information at least six times. beth.barrett@dailynews.com (818) 713-3731160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! Testimony in a federal fraud trial broadened Tuesday as two former Fleishman-Hillard employees said bills for the Port of Los Angeles had been improperly inflated. In the third week of the conspiracy and wire fraud trial of former executives Doug Dowie and John Stodder – accused of overbilling the Department of Water and Power and other clients – prosecution witnesses Eric Moses and Jennifer Langan testified that hours had been added to their port accounts for time they hadn’t worked and without their consent. Moses – whom U.S. District Judge Gary Allen Feess called a “hostile” witness, letting federal prosecutors ask him more leading questions – confirmed that he told government investigators in February that Stodder might have asked him to add hours – a practice known as “writing up” – for work that wasn’t done. Moses also said Dowie used the term “value billing,” which he understood to mean clients could be billed above the hours worked if the outcome was successful. After a conversation with Dowie about “value billing,” he said he may have increased a bill, but felt “uncomfortable.” last_img read more

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DONEGAL BOXING STAR JASON QUIGLEY ‘SAVED BY THE BELL’ AT GLENSWILLY N.S.

first_imgDONEGAL boxing sensation Jason Quigley was ‘saved by the bell’ during his visit to Glenswilly N.S.Quigley is now based in LA. is back home on a break from training after fighting twice within a month. Quigley has made a sensational start to life as a professional boxer and has won all SIX of his fight since signing for Golden Boy Promotions.Quigley has been touring the county visiting schools and businesses, and today he visited Glenswilly N.S. former school of Donegal GAA stars Michael Murphy and Neil Gallagher.The kids were delighted to meet their boxing hero as you can see from the pictures above.DONEGAL BOXING STAR JASON QUIGLEY ‘SAVED BY THE BELL’ AT GLENSWILLY N.S. was last modified: May 27th, 2015 by Mark ForkerShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:FeaturesGlenswilly N.SJason QuigleynewsSportlast_img read more

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Imprisoned, Attacked & Dead Bloggers Increases Worldwide in 2009

first_imgWhy Tech Companies Need Simpler Terms of Servic… 8 Best WordPress Hosting Solutions on the Market The report is a profoundly depressing read. As tech journalists writing from the soft comfort of our homes, it’s easy to forget that in many places of the world, the simple act of posting something to a blog has lethal repercussions. Elections, politics and the economy were the primary reasons bloggers ended up in jail. While China is the worst, Iran, Tunisia, Thailand, Saudi Arabia, Vietnam and Uzbekistan also frequently monitor or block websites and blogs. From the report: “Two Azerbaijani bloggers, who were sentenced to two years in prison for making a film mocking the political elite.The Turkmen Internet remains under total state control. Egyptian blogger Kareem Amer is still in jail, while the famous Burmese comedian Zarganar still has 34 years of his prison sentence to serve. Victims of Internet policing also include such leading figures in the defence of online free expression as China’s Hu Jia and Liu Xiaobo and Vietnam’s Nguyen Trung and Dieu Cay. “In South Korea, a blogger was wrongfully detained for commenting on the country’s disastrous economic situation. Around six netizens in Thailand were arrested or harassed just for making a connection between the king’s health and a fall in the Bangkok stock exchange.”In March, Reporters Sans Frontières will launch what it’s calling the Enemies of the Internet campaign to highlight the countries affected by online intimidation and censorship.Photo by Amir Darafsheh, Tehran, Iran. According to a report released today [PDF] by Reporters Sans Frontières, the number of bloggers around the world arrested because of their online work jumped from 59 to 151 between 2008 and 2009, an increase of 155%. Additionally, one blogger died in prison and 61 were physically assaulted. The most infamous cases perhaps occurred during the violent unrest in Iran following Mahmoud Ahmadinejad’s disputed reelection. But RSF said the number of overall arrests and attacks can actually be traced to crackdowns in at least 10 countries.“The number of countries affected by online censorship has doubled from one year to the next – a disturbing tendency that shows an increase in control over new media as millions of netizens get active online,” said Lucie Morillon, head of the group’s Internet and Freedoms Desk. Related Posts A Web Developer’s New Best Friend is the AI Wai… Top Reasons to Go With Managed WordPress Hosting abraham hyatt Tags:#Blogging#web last_img read more

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Genuine Progress Indicators

first_imgThe problem with GDPPerhaps no one has articulated the problems with measuring our society’s success using the metric of gross domestic product (GDP) or gross national product (GNP) better than Senator Robert Kennedy, way back in 1968:       “Our gross national product — if we should judge America by that — counts air pollution and cigarette advertising, and ambulances to clear our highways of carnage. It counts special locks for our doors and the jails for those who break them. It counts the destruction of our redwoods and the loss of our natural wonder in chaotic sprawl. It counts napalm and the cost of a nuclear warhead, and armored cars for police who fight riots in our streets. It counts Whitman’s rifle and Speck’s knife, and the television programs which glorify violence in order to sell toys to our children.       “Yet the gross national product does not allow for the health of our children, the quality of their education, or the joy of their play. It does not include the beauty of our poetry or the strength of our marriages; the intelligence of our public debate or the integrity of our public officials. It measures neither our wit nor our courage; neither our wisdom nor our learning; neither our compassion nor our devotion to our country; it measures everything, in short, except that which makes life worthwhile. And it tells us everything about America except why we are proud that we are Americans.”Gross domestic product emerged as a metric of our country’s total economic performance following the Great Depression. It is the value of a nation’s goods and services produced over an entire year. That single metric became the default measure of our society’s well-being, a job for which it is poorly suited. The second annual Slow Living Summit was held in Brattleboro this past week. Featuring such presenters as David Orr of Oberlin College, Woody Tasch, the founder of the organization Slow Money, and Charles Eisenstein, author of Sacred Economics, along with Governor Peter Shumlin, and Senator Bernie Sanders, the conference advanced alternatives to fast food, fast money, and the fast pace of life — with an emphasis on local food, local economies, resilient communities, and sustainability.According to the Slow Living Summit website, slow living expresses the fundamental paradigm shift that is underway in this age, recognizing the transformative change from faster and cheaper, to slower and better — where quality, community and the future matter. It’s about slowing down and becoming more mindful of our basic connection with land, place, and people, taking the long view that builds a healthy and fulfilling way of life for the generations to come. It is about common good taking precedence over private gain.While there were many inspiring sessions at the Slow Living Summit, I’ll focus here on just one: a session addressing alternative metrics of success: genuine progress indicators. Alex is founder of BuildingGreen, Inc. and executive editor of Environmental Building News. He also coauthored BuildingGreen’s special report on windows that just came out. To keep up with Alex’s latest articles and musings, you can sign up for his Twitter feed.center_img Introducing GPITo address this concern, there have been various alternative metrics proposed to measure societal well-being. These efforts were covered at the Slow Living Summit session I attended. Tom Barefoot, founder of the Waitsfield, Vermont-based organization, Gross National Happiness USA, provided context on this type of accounting, and Chelsea Ferrell, previously of the School for International Training in Brattleboro, provided (via Skype) some personal observations of this mindset from her travels in the Buddhist nation of Bhutan, whose king, Jigme Singye Wangchuck, coined the term “Gross National Happiness” in 1972.In the same session, Jon Erickson, a professor and managing director of the Gund Institute for Ecological Economics at the University of Vermont, described Vermont’s ground-breaking approach to such alternative metrics of well-being. Last month, Vermont Governor Peter Shumlin signed a bill passed by the Vermont Legislature to develop and test a genuine progress indicator for the state.As described in the enabling legislation, “the purpose of the genuine progress indicator (GPI) is to measure the state of Vermont’s economic, environmental, and societal well-being as a supplement to the measurement derived from the gross state product and other existing statistical measurements.” The legislation instructs the Secretary of Administration to work with the Gund Institute to establish and test this GPI — initially by January 15, 2013 and every other year thereafter.A similar GPI was developed in Maryland in 2010 as an initiative of Governor Martin O’Malley, but the Vermont action is the first time a state has taken formal legislative action to create such a metric.The exciting thing about genuine progress indicators is that decision-making and policies will be able to be based on data that considers not only the monetary value of transactions, but also metrics of health and well-being of residents, environmental protection, natural resources, and sustainability. When we are able to base decision-making on such indicators of genuine progress, momentum will likely increase for natural resource protection, energy conservation and renewable energy sources, income equality, public health, and a host of other issues that will help to ensure a healthy, prosperous state.last_img read more

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Your Auto Insurance Score Could Be Costing You, Say Insurance Says

first_imgBrad is the editor overseeing contributed content at ReadWrite.com. He previously worked as an editor at PayPal and Crunchbase. You can reach him at brad at readwrite.com. Related Posts Brad AndersonEditor In Chief at ReadWrite Tags:#auto insurance#auto insurance score#discount#insurance#personal finance If you’re like most Americans, you’ve probably got a ballpark idea of your credit score. But what about your auto insurance score?Say Insurance is betting that you don’t know about this three-digit score with a similar impact on your financial life. As part of its “car insurance made simple” mission, the division of Shelter General Insurance Company is helping policyholders understand how actuaries use auto insurance scores to set rates and provide discounts. What Your Auto Insurance Score SaysJust as your credit score suggests to lenders how likely you are to repay a debt, your auto insurance score helps signal to insurance providers how likely you are to have a claim. But while many financial services firms help customers understand their credit score, Say Insurance is among the industry’s first providers to share insurance scores. Why is Say Insurance sharing what had, until recently, been something of an industry secret? “Clarity and transparency are our company values,” explains Marc Deiter, director of Say Insurance. “We couldn’t honestly say we’re living up to them if we didn’t give that visibility to our customers.”Say Insurance uses insurance scores, which are calculated by LexisNexis, when aligning coverages and costs. To calculate an auto insurance quote, Say considers factors such as an applicant’s insurance score, driving record, Comprehensive Loss Underwriting Exchange (CLUE) report, and risk-related characteristics. “Think of your auto insurance score as our way of getting to know you as a policyholder,” Deiter suggests. “We know driving records don’t tell the whole story. Your insurance score fills in the financial blanks.”Those “financial blanks” aren’t necessarily the same ones that factor into your credit score, though. Whereas your credit score takes into account factors like your debt-to-income ratio, work history, and repayment ability, your auto insurance score is less concerned with what’s in your financial accounts and more interested in how you interact with them. Your insurance score looks at metrics like age of financial accounts, payment history, and credit utilization. There’s also, Deiter points out, one other important difference between insurance scores and credit scores. “Lenders can deny you a loan if your credit score is poor, but we’ll never refuse you coverage based on your auto insurance score,” he says.Improving Your Insurance ScoreJust because Say Insurance doesn’t decline prospective policyholders based on their insurance score doesn’t mean there’s no reason for customers to raise it. Because customers with lower auto insurance scores represent greater risks than other policyholders, Say and others often charge higher monthly premiums to individuals with lower scores.So where should you start? Begin by checking your insurance score. Although Say Insurance provides the figure alongside all its auto insurance quotes, it also offers a free online tool so anyone can check their score.8 Ways to Improve Your Auto Insurance ScoreSo now that you know about the importance of your auto insurance score, what can you do about it? Quite a bit, it turns out.In some ways, you can treat your auto insurance score just like your credit score. Both are heavily tied to your financial history and ability to pay off debts reliably, and both can be improved using similar methods. The equations that your determine your credit score and auto insurance score are completely different, but they pull information from largely the same sources. By focusing in on the most influential factors for your credit, you can target the places most likely to improve your auto insurance score in the process.There is no magic bullet for giving your auto insurance score a boost, but here are some things you can do now to help your score out in the long term:1. Get your credit report — and correct any errors.One of the easiest ways to give your score a boost is simply by making sure it’s accurate. Up to 25 percent of credit reports contain errors, and those errors could be costing you. You can request a free credit report once a year and review it for any inconsistencies. When insurers are gauging your credit history, you want them to be sure they’re not using potential errors while weighing your auto insurance score.2. Avoid opening too many new credit accounts.The more open credit accounts you have, the more liability there is that they might go unpaid. Insurers like to see that you don’t have too many credit cards constantly requiring payments from you. A healthy number of credit accounts could mean fewer outstanding debts that could pose problems down the line, which can positively impact your auto insurance score. Make sure you’re in good standing with any accounts you end, however, as accounts closed in good standing are highly likely to increase your auto insurance score.3. Pay bills on time.Insurers are desperate for customers who have a track record of paying their bills on time. Ensure that you’re making the minimum payments on all of your bills in order to keep your auto insurance score as high as possible. As important as it is to stay on top of all debts; paying your bills on time is important for seeing the best results as soon as possible.Consider options like a billing schedule or calendar. Having a set understanding of what you need to pay and when makes it much easier to completely manage your debt payments. You can also adjust your calendar so that you’re contributing more to your outstanding dues, paying off your accounts even faster. When loans are paid off faster than mandated, your auto insurance score will take notice.4. Eliminate debts.A debt-free customer is a customer more likely to pay their bills, end of story. Making the minimum payments is important, but contributing even more to debt elimination can give your auto insurance score a boost. A clean account sheet looks good to insurers, and anything you can do to make that a reality goes a long way in keeping your score high.5. Don’t max out.Keep all credit cards and other lines of credit from reaching their maximum limit. Insurers and creditors don’t like to see people requiring the use of their entire available credit, so it’s best to keep spending somewhere at or below 75 percent of your absolute maximum. While it’s important to only maintain lines of credit you use comfortably and regularly, one way of keeping your credit from getting maxed out is by simply expanding your credit limits. Contact your credit cards and ask for an increase in your monthly limit — that way, you can utilize a smaller proportion of your overall credit allotment without having to change spending habits. Keeping your credit usage low shows that you put responsibility first when it comes to your finances.6. Stick with your provider.In addition to keeping an auto insurance policy as long as possible, it can also be beneficial to stick with one insurance provider. Some providers, Say Insurance among them, increase your auto insurance score the longer you remain a holder of their policy. Loyalty to a certain insurance provider can be highly beneficial to your score, but it’s important to ask your provider if they boost your score over time. If not, it might be time to look for an insurance company that does.7. Diversify your credit.Your credit score is closely tied to your auto insurance score, and maintaining a high level of credit diversity is key to maximizing both. If a significant portion of your credit goes through credit cards, remember that things like well-managed home, car, and student loans all show a strength of credit likely to bump your auto insurance up a little higher.8. Be patient. If your auto insurance score is being dragged down by some hiccups in your financial history, don’t panic. While it’s never fun to have past mistakes affect the present, nearly everything gets wiped from your credit report if you wait long enough. All you can do in the present is make sure that you’re using your credit carefully and sustainably. Shorter credit histories are also more likely to lower auto insurance scores than longer ones. While waiting can feel fruitless, it actually does have great potential to boost your score in the long run. If you keep that up long enough, you’ll undoubtedly see your auto insurance score go up over time.As important as it is to be aware of your auto insurance score, it’s equally important to know how you can improve it. Blindly trying to upgrade your score is likely to do more harm than good, so it’s important to know what you’re doing and why. Taking small steps like these can go a long way towards lowering the overall cost of your auto insurance now and well into the future.If your score is between the neutral mark of 670 and the maximum of 997, great news: You’re a better-than-average bet for insurers. But if your score is 670 or less — and particularly if it’s lower than 500 — there are a few things you can do to improve it.First, request your credit score report, which you’re allowed to access for free once per year from each of the three nationwide credit reporting companies. Check for inaccuracies, such as supposedly late payments you’re sure you made on time, and dispute any you find. If you can’t dispute a penalty, rest assured that it will eventually fall off your record. Then, focus on paying down credit balances and making on-time payments moving forward. Beware, though, that the process of strengthening your auto insurance score takes time. That’s why Say Insurance intentionally reduces its impact on policyholders’ plans. “The insurance industry should know better than anyone that accidents happen,” notes Deiter. “Particularly for our loyal customers, we try to level the playing field.” Although Deiter admits that Say Insurance leans less on auto insurance scores after the initial quote, he points out that Say adds points in 50-unit increments with each renewal. After three years with Say Insurance, for instance, a customer’s Say score could exceed their LexisNexis insurance score by 300 points.Two Scores, One PictureAlthough it’s certainly possible to have a high credit score and a low auto insurance score, or vice versa, the two typically track together. Financial responsibility is so correlated with responsibility on the road that drivers with poor credit scores sometimes pay triple what their peers do. Deiter adds that by showing consumers their auto insurance score, Say Insurance hopes to help them take control of their wider financial life. “A good driving record is only half the story,” he says. “We want everyone to see how their financial actions impact other areas of their life, like their insurance policies.” You might not know your auto insurance score, but insurers sure do. Given its importance on your financial life, it’s time you found out — wouldn’t you say?Updated on Aug. 7, 2019. With This One Question, You’ll Never Need an Ic… How to Make the Most of Your Software Developer… AI is Not the Holy Grail of Sales, at Least Not… New Wave of Online Education: Helping Quiet Chi…last_img read more

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