#Pension Plan London Ontario

[influencermagazineuk]

Britain's Biggest Water Company Faces Big Trouble

What is Happening? Thames Water offers water to London and plenty of southern England and has a big debt burden. Ofwat regulator secretly accepted the 'close monitoring' status of the company and requested revised plans to improve their service and economic performance. Ofwat allowed Thames Water to invest approximately $21.8 billion to improve the services but has rejected the body's plea to invest more. They also permitted rises in consumer bills by way of averaging £99 for the following 5 years, which is 1/2 of what Thames Water had requested.  Response of Thames Water   Thames Water explained that the extra money was required to make sure they provide easy-flowing water and treat wastewater well. They didn't agree with the grievance by Ofwat to their business plan, so they promised to give the commission extra evidence to help its proposals. A final selection on their plan will be made in December 2024.  Big Challenges Ahead The utility giant caters to more than 16 million customers. The utility firm is under strain to avoid being taken over by the authorities or broken up. Earlier this year, shareholders refused to hand them an additional £500 million. Their parent company, Kemble, did not meet its obligation either.  Who Owns Thames Water? Thames Water belongs to a variety of investors together with pension price range and personal fairness firms. Its largest outside shareholder is the Ontario Municipal Employees Retirement System from Canada. In the past years, the group's debt has considerably increased. They announced recently that they have internet debt of £15.2 billions as of March 2024. Presume to have adequate cash until May 2025 if they can go on to continue accessing its credit score centers and other coins sources. Environmental Problems Thames Water and other utilities in Britain have faced criticism for releasing too much sewage into the rivers, including the Thames. This has environmental implications that give rise to concerns for the majority of the public and regulators alike.   Future Plans Thames Water's Chair, Adrian Montague, said that their new plan may entice good-deal-wished funding and may help turn the employer around. He referred to the fact that the water industry in the United Kingdom wants lots more funding inside the coming years. Firms in the enterprise are competing with one another in stiff competition for financing, especially with improved regulatory and political uncertainty. Montague emphasized close working with regulators and government to get a turnaround and retain investors attracted to financing UK water corporations.  Financial Ratings On Wednesday, S&P Global, a monetary rankings agency, indicated that Thames Water's debt may be downgraded. This gives the implication that there is a danger it might not have sufficient coin glide, which may lead to fears that debt will turn into rated as "junk"—very low scores. S&P also discussed that the enterprise's massive investment needs will pressure its budget similarly and restrict its capacity to minimize debt. Thames Water is in a tight spot, its situation characterized by high leverage, regulatory pressures, and large investment needs. The Group hopes to extricate itself from this through close collaboration with the Regulators and additional fund-raising initiatives directed toward improving operational efficiency and financial solidity. Read the full article

[coinprojects]

New Post has been published on https://coinprojects.net/nickel-digital-metaplex-and-others-continue-to-feel-the-impact-of-ftx-collapse/

Nickel Digital, Metaplex and others continue to feel the impact of FTX collapse

Nickel Digital Asset Management is not the only company feeling the effects of FTX’s collapse and bankruptcy. NFT protocol Metaplex also laid off “several members of the Metaplex Studios team” due to the “indirect impact” from the collapse of crypto exchange FTX. The co-founder and CEO of Metaplex Studios, Stephen Hess, shared in a thread on Twitter:

“While our treasury wasn’t directly impacted by the collapse of FTX and our fundamentals remain strong, the indirect impact on the market is significant and requires that we take a more conservative approach moving forward.”

(3/7) While our treasury wasn’t directly impacted by the collapse of FTX and our fundamentals remain strong, the indirect impact on the market is significant and requires that we take a more conservative approach moving forward.

— stephen.sol (@meta_hess) November 17, 2022

The Ontario Teachers’ Pension Plan has also had to swallow some losses. According to an announcement made by the Canadian-based teachers’ pension fund, it invested $75 million into FTX International and its US entity, FTX.US. The Ontario Teachers’ Pension Plan shared that the investment “represented less than 0.05%” of its total net assets and “equated to ownership of 0.4% and 0.5% of FTX International and FTX.US, respectively.” Although disappointed by its losses, the pension plan asserts that “the financial loss from this investment will have limited impact on the Plan, given its size relative to our total net assets and our strong financial position.”

Related: Crypto Biz: FTX fallout leaves blood in its wake

On Nov. 18, Cointelegraph reported that Genesis Block, a frontrunner for providing cryptocurrency retail services in Hong Kong, separate from the institutional cryptocurrency trading services Genesis, will begin closing down its over-the-counter (OTC) online trading portal starting Dec. 10.

London-based crypto investment firm Nickel Digital Asset Management reported on Nov. 18 that it has around $12 million of its funds stuck on FTX. According to founder and chief investment officer Michael Hall, the company has been unable to withdraw funds, which allegedly account for an estimated 6% of its $200 million in assets under management.

Source link By Cointelegraph By Judith BannermanQuist

#Altcoin #Bitcoin #BlockChain #BlockchainNews #Crypto

[bfplanner1]

Know All About RRSP And HBP

When people retire from an active job, they need a lot of time to pursue their aspirations and accomplish unfinished business.Adult retirement communities are purposefully designed to accommodate adults' lifestyles and needs. The rooms of these business and residential houses are both stunning. The elderly will live their lives according to their own manner and preferences.

There are numerous property applications and websites accessible these days to offer you a good idea about the neighborhood, property, area, and other features. As a result, you can check these sites before making a personal visit to appraise the home. Also, make sure to look into factors like connectivity, transit, restaurants, shopping malls, hospitals, and so on.

Because the country has an amazing environment all year, more and more people are attempting to invest in cities in Ontario, which has also led to a growth in the country's economy. It is one of the greatest countries to retire since it is a peaceful country, and all we want after retirement is some serenity from the typical hustles and bustles of life. You can notice sign boards outside of houses that state house Spousal RRSP London Ontario if you wander about.

The home purchasers plan allows first-time homeowners to withdraw up to $25,000 from a registered retirement savings plan to assist with a down payment. We've somehow determined that houses take precedence over retirement funds. That is an error, and it must be remedied by winding down the HBP.

If you are unfamiliar with the RRSP, it is a tax-advantaged account established by the Canadian government to provide tax incentives to those who put their money in the account in order to encourage people to prepare for retirement. There is now a contribution limit for an RRSP - you can contribute up to 18% of your earned income (meaning whatever income you have coming in that year) from the previous tax year, up to a maximum of $27,830, each year. Another caveat is that if you do not donate the whole amount in one year, it is not lost; you can continue to contribute up to your total limit over time, until you reach the age of 71.

The tremendous growth in housing prices since the mid-1980s has convinced practically everyone that encouraging home ownership has not just a social and economic advantage, but also a financial benefit for RRSP Home Buyers Plan London Ontario .

If you want to take advantage of deductions and increase your tax return in spring, the deadline is the last day to contribute to your RRSP. If you are unable to donate by the deadline, your remaining contribution room is added to your limit for the following year. This is really beneficial.

Chan Langis is the author of this article. To know more about Pension Plan in London Ontario, Please visit our website : https://www.betterfinancialgroup.ca/

Address: #230 - 339 Wellington Rd.

London, ON N6C 5Z9

Phone: (519) 438-1889

Email: chan@betterfinancial.ca

[sknews7]

In-Flight Wi-Fi Boom Shows Travel Is Changing in Covid Era

Hundreds of passenger planes are nonetheless grounded, however in-flight web is surging to new highs.

Information site visitors over satellite tv for pc firm Inmarsat Group Holdings Ltd.’s European Aviation Community rose to a document within the closing week of August, in line with Chief Government Officer Rupert Pearce. World airline site visitors was nonetheless down nearly 80% in July in comparison with the identical month a yr earlier.

“It suggests there’s some semblance of normality starting to return to some segments of the aviation market,” Pearce mentioned in an interview. He pointed to a partial restoration in brief and medium-haul flights after pandemic journey restrictions had been eased.

Airlines See Long Wait for Return to Pre-Covid Traffic Levels

The info rebound additionally displays new web habits fashioned beneath lockdown, mentioned Alexander Grous, an knowledgeable on airline technique and economics on the London Faculty of Economics, who has beforehand written analysis on behalf of Inmarsat.

“A number of customers are principally two to 3 occasions extra probably now to attach and keep linked on board than they had been originally of the yr, earlier than Covid,” Grous mentioned by cellphone.

The potential for an airline knowledge growth might reassure the establishments that purchased Inmarsat final December within the U.Ok.’s second-biggest take-private deal of 2019.

Carry Off

Inmarsat’s greatest development was from Aviation unit earlier than take-private deal

Supply: Inmarsat Plc outcomes

The $3.four billion acquisition by Apax Partners, Warburg Pincus, Canada Pension Plan Investment Board and Ontario Teachers Pension Plan was partly a guess on surging airline connectivity.

Inmarsat’s European Aviation Community has been ramping up capability since its launch in July 2019. The corporate companions with terrestrial cell networks like Deutsche Telekom AG and may ship as much as 100 megabits per second to a airplane.

The in-flight broadband enterprise was “going gangbusters” when the buyout deal was struck, mentioned Pearce. Just a few months later, Covid-19 left many airways preventing for survival.

Final month, rival satellite tv for pc operator Intelsat SA bid $400 million for Gogo Inc.’s inflight Wi-Fi enterprise, in one other long-term guess on in-flight web. Gogo has no satellites of its personal and buys capability from satellite tv for pc operators to attach its onboard modems and antennas.

Extra offers could also be within the offing.

The Intelsat-Gogo deal is “a logical transfer,” mentioned Pearce. “There might be property that come up that make sense for us to agglomerate.”

(Updates with airline site visitors determine in second paragraph)

Earlier than it”s right here, it is on the Bloomberg Terminal.

LEARN MORE

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[pharmaphorumuk]

KRY raises $155 million to develop and grow digital doctor app

European digital doctor app KRY has raised $155 million to help accelerate its growth plans across the continent and develop its product.

The 140 million euro Series C funding round was led by Ontario Teachers’ Pension Plan through a platform focusing on late-stage venture and growth equity investments in cutting edge technology.

KRY’s existing investors Index Ventures, Creandum and Accel also participated, and Maggie Fanari, managing director of the Teachers’ Innovation Platform (TIP) will join KRY’s board.

Based around a digital health app called LIVI, KRY allows users to consult with a qualified health professional in minutes, via their smartphone or tablet.

It’s one of several digital consultation apps that are beginning to gain traction and could be seen as a competitor to Babylon Health’s GP at Hand, which has been piloted in London and is now establishing itself in other UK cities.

Launched in 2015, KRY claims to be the largest digital healthcare provider in Europe and is headquartered in Stockholm, with more than 300 employees and 700 clinicians.

Funds will be used to expand into new European markets, innovate and develop products in existing markets including Sweden, the UK, France, Norway and Germany.

It will also allow the company to hire new talent and expertise to continue driving advancements in healthcare.

The cash raised builds on a $66 million Series B funding round in June 2018 led by Index Ventures following a $22.8 Series A round in 2017.

Since the company’s foundation in 2014, this brings the total raised so far to around $247 million.

A year ago, KRY was at the centre of a “revolving door” controversy in the UK, where the company is already well established.

The NHS’ former digital health chief Juliet Bauer announced she was moving to the company shortly after praising the firm in a newspaper article.

There was no suggestion that there is anything wrong with Bauer’s move to KRY – what concerned critics such as Public Accounts Committee chair, Meg Hillier MP, was her decision to praise the company in an article before publicly announcing her move.

The post KRY raises $155 million to develop and grow digital doctor app appeared first on .

from https://pharmaphorum.com/news/kry-raises-155-million-to/

[bfplanner1]

Take Help in Dividing Your Assets for Spousal RRSP

"How do my spouse and I divide our RRSPs?" is one of the most common inquiries we get when dividing a spouse's property in a separation or divorce. Because there are so many concerns to consider when dealing with RRSPs in a separation or divorce, this is always a very essential subject.

Some people may still be focused on debt repayment, raising their children, or growing the income-to-expense gap. It could be a lack of understanding regarding retirement accounts for some. Others may be apprehensive about investing or be perplexed by financial jargon.

While your separation or divorce is being finalized, you can transfer any amount of Spousal RRSP London Ontario to your former spouse, regardless of contribution room; this is true for both common-law and legally married couples.

It's critical to break through these financial barriers since investing your money, particularly in registered accounts like RRSPs and TFSAs, is the best method to build your savings.

When a variety of distinct family assets could be transferred or liquidated in order to pay out the spouse with less family assets, one question that frequently arises in a separation or divorce is how to equalize a discrepancy in matrimonial property.

RRSP stands for Registered Retirement Savings Plan. Because you get tax incentives for depositing money in this account, the government wants to know how much is in there for their own planning purposes.

RRSP Home Buyers Plan London Ontario are frequently considered, but are they necessary? This is very dependent on your financial circumstances as well as the tax ramifications of using your RRSPs. Some people want to move money out of their RRSPs in order to increase their contribution capacity.

Two elements of the RRSP, in particular, make it an appealing investment vehicle: Contributions are tax-deductible, and earnings are tax-deferred.

Others may want to include their RRSP in their Matrimonial property equalization to avoid liquidating other assets, such as a home. Receiving RRSPs, on the other hand, may not be as advantageous to a spouse who wants to use family assets in the short term due to unfavorable tax effects. When cashing out an RRSP, keep in mind that the RRSP becomes income for the year you cashed it in, therefore you'll have to pay taxes on it.

Another advantage is that you don't have to pay tax on your investments' development until you withdraw money from the account. Because your money isn't being nibbled away every year by taxes as it would be in a non-registered account, this feature enables for faster compounding of returns. Instead, all of that growth and interest is reinvested in your account, allowing you to earn even more the following year, hence saving you a lot of money.

Chan Langis is the author of this article. To know more about Pension Plan in London Ontario, Please visit our website : https://www.betterfinancialgroup.ca/

Address: #230 - 339 Wellington Rd.

London, ON N6C 5Z9 

Phone: (519) 438-1889

Email: chan@betterfinancial.ca

[mikemortgage]

Fleet Complete Finalizes Investment Partnership with Ontario Teachers’

TORONTO — Fleet Complete®, one of the fastest growing tech companies in the connected vehicle space, has finalized its previously announced investment partnership agreement with Ontario Teachers’ Pension Plan (“Ontario Teachers’”).

In November 2018, Ontario Teachers’, Canada’s largest single-profession pension plan, agreed to acquire equity in Fleet Complete from existing investors, including funds managed by Madison Dearborn Partners (“MDP”), a leading private equity firm based in Chicago. With the support of Ontario Teachers’ and ongoing partnership with MDP, Fleet Complete’s management team will continue to execute on the company’s global growth ambitions. MDP remains a significant investor in Fleet Complete.

Established in the technology industry for twenty years, Fleet Complete has one of the leading and most comprehensive connected vehicle platforms globally, helping small to medium-sized businesses and large enterprises improve their daily operations. Serving approximately 500,000 subscribers around the world, Fleet Complete harnesses state-of-the-art technology and partnerships with leading global OEMs to provide some of the most innovative solutions for clients.

Financial terms of the transaction were not disclosed.

Lazard and Barclays acted as financial advisors to Fleet Complete. Kirkland & Ellis LLP and Dentons Canada LLP served as legal counsel to Fleet Complete and MDP. Torys LLP served as legal counsel to Ontario Teachers’.

About Fleet Complete

Fleet Complete® is a leading global provider of connected vehicle technology, delivering mission-critical fleet, asset and mobile workforce management solutions. The company is servicing approximately 500,000 subscribers and over 30,000 businesses in Canada, the U.S., Mexico, Australia, the Netherlands, Belgium, Luxemburg, Austria, Germany, Denmark, Sweden, Finland, Norway, Estonia, Latvia and Lithuania. It maintains key distribution partnerships with AT&T in the U.S., TELUS in Canada, Telstra in Australia, and Deutsche Telekom (T-Mobile) in multiple European countries. Many of the world’s largest vehicle manufacturers and tier-one suppliers, such as General Motors, Mitsubishi and Phillips Industries leverage Fleet Complete’s connected vehicle platform, CONNVEX, to bring commercial-grade telematics solutions to their customers. It remains one of the fastest-growing companies globally, having won numerous awards for innovation and growth. For more information, please visit fleetcomplete.com

About Ontario Teachers’

The Ontario Teachers’ Pension Plan (“Ontario Teachers’”) is Canada’s largest single-profession pension plan, with $193.9 billion in net assets at June 30, 2018. It holds a diverse global portfolio of assets, approximately 80% of which is managed in-house, and has earned an average annualized rate of return of 9.9% since the plan’s founding in 1990. Ontario Teachers’ is an independent organization headquartered in Toronto. Its Asia-Pacific region office is located in Hong Kong and its Europe, Middle East & Africa region office is in London. The defined-benefit plan, which is fully funded, invests and administers the pensions of the province of Ontario’s 323,000 active and retired teachers. For more information, visit otpp.com and follow us on Twitter @OtppInfo.

About Madison Dearborn Partners

Madison Dearborn Partners, LLC (“MDP”), based in Chicago, is a leading private equity investment firm in the United States. Since MDP’s formation in 1992, the firm has raised seven funds with aggregate capital of approximately $23 billion and has completed over 140 investments. MDP is currently investing out of its most recent fund, $4.4 billion MDCP Fund VII, in businesses across a broad spectrum of industries, including businesses and government software and services; financial and transaction services; basic industries; health care; and telecom, media and technology services. For more information, please visit mdcp.com.

View source version on businesswire.com: https://www.businesswire.com/news/home/20190301005068/en/

Contacts

For Fleet Complete: David Prusinski, EVP Sales & Marketing marketing@fleetcomplete.com

For MDP: Abernathy MacGregor Chuck Dohrenwend, Kate Murray or Melissa Gansler 212-371-5999 AbmacMDCP@abmac.com

from Financial Post https://ift.tt/2TgJ3Fp via IFTTT Blogger Mortgage Tumblr Mortgage Evernote Mortgage Wordpress Mortgage href="https://www.diigo.com/user/gelsi11">Diigo Mortgage

[supemecourttoplawyerslist]

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[compassdatacenters]

Compass Datacenters Announces $3 Billion Expansion Plan

Receives Significant Follow-On Investment from RedBird Capital Partners and Ontario Teachers’ Pension Plan. Joined by new partner Azrieli Group

DALLAS - July 18, 2019 - Compass Datacenters, LLC ("Compass" or the "Company") today announced new growth initiatives to develop up to $3 billion in new data center campuses over the near term. This follows additional capital from existing investors, RedBird Capital Partners ("RedBird Capital") and Ontario Teachers' Pension Plan ("Ontario Teachers"), as well as new investment partner the Azrieli Group ("Azrieli") (TASE: AZRG), a leading Israeli real estate development company.

The continued support from RedBird Capital and Ontario Teachers' and the introduction of Azrieli to the investor group, reinforces Compass's momentum across its key markets, including construction starts at its Phoenix and Northern Virginia data center campuses. The additional capital and financial commitments will allow the Company to accelerate its growth plans and better serve its customer base.

"Over the past two years, with the strong support of RedBird Capital and Ontario Teachers', Compass has successfully led the wave of cloud and hyperscale data center providers in delivering just-in-time facilities customized to meet the specific requirements of our customers. This investment from our partners and the addition of the Azrieli Group, a world-class real estate developer, is an important milestone affirming the value we're creating for our customers, as well as the significant opportunity ahead," said Chris Crosby, CEO of Compass Datacenters. "We're excited to accelerate our goal of developing upwards of $3 billion in new data center campuses, while continuing to enhance the value proposition we deliver to our customers."

"Chris and the Compass team have done a tremendous job over the last few years positioning the company to address the continued unmet demand in the data center market with bespoke campus development solutions for its customer base," said Gerald Cardinale, Managing Partner of RedBird Capital. "We are excited to welcome the Azrieli Group to our investment partnership - with our collective financial and strategic capabilities, we are well-positioned to support the company as it enters its next major expansion phase."

"This follow-on investment positions Compass to expand its growth plans significantly and scale its proven strategy in the fast-growing but highly competitive data center market," said Jane Rowe, Executive Managing Director, Equities, Ontario Teachers'. "We're excited to support Compass's continued execution by focusing on innovative customer solutions, while leveraging the experience and knowledge of its talented management team."

"The Azrieli Group has been evaluating the data center space for some time, and we have great respect for Chris and the Compass team," added Danna Azrieli, Chairman of the Azrieli Group. "We believe in Compass's campus-focused strategy and the opportunity to scale its growth plans around its proprietary technology. We look forward to collaborating closely with the Compass team, as well as our new investment partners RedBird Capital and Ontario Teachers'."

Compass has grown rapidly over the past two years, establishing and expanding its presence in key markets across the United States, including Boston, Columbus, Dallas, Minneapolis, Nashville, Northern Virginia, Phoenix, Raleigh-Durham and others. Compass has altered the landscape of the data center market with its design architecture, which makes dedicated data centers cost-competitive with wholesale, multi-tenant spaces for the first time.

The Company recently launched construction on the first two data centers within its Phoenix and Northern Virginia campuses. The company is actively developing campuses in core markets which demonstrate high demand from cloud and hyperscale companies. This campus model is a natural evolution of Compass's business approach, delivering high-quality dedicated data centers with industry-leading delivery timeframes and cost-efficiencies. The initial buildings in greater Phoenix and in Loudoun County, Virginia are being constructed to meet the customized needs of customers within Compass's relationship network.

Citi and DH Capital served as financial advisors to Compass in the transaction, while RBC Capital Markets served as financial advisor to the Azrieli Group. Fried, Frank, Harris, Shriver & Jacobson LLP and Wick Phillips served as legal counsel to Compass and its investors, while DLA Piper LLP and Barnea Jaffa Lande & Co served as legal counsel to the Azrieli Group.

About Compass Datacenters Compass Datacenters provides solutions from the core to the edge. The company serves cloud and SaaS providers, enterprises, colocation and hosting companies, and customers with distributed infrastructure requirements. Compass's investors, Ontario Teachers' Pension Plan, RedBird Capital Partners and the Azrieli Group, bring a long-term perspective and significant financial resources. The Company's executive team has built over $4 billion data centers and edge computing facilities and has operated over ten million square feet of raised floor facilities worldwide. Compass delivers build-to-order data centers which are superior to competing alternatives, enabling its customers to build "what you want, where you want, when your business needs it". For more information, visit www.compassdatacenters.com.

About RedBird Capital Partners RedBird Capital Partners is a principal investment firm which provides flexible, long-term capital to help entrepreneurs grow their businesses. Based in New York and Dallas, RedBird seeks investment opportunities in growth-oriented private companies in which its capital, investor network and strategic relationships enable business owners to achieve their corporate objectives. Founded by former Goldman Sachs Partner Gerald Cardinale in 2014, RedBird has invested and/or led $2.5 billion of equity to support its entrepreneur-led platforms, connecting patient capital with business founders to help them outperform operationally, financially and strategically. For more information, please go to www.redbirdcap.com

About Ontario Teachers' Pension Plan The Ontario Teachers' Pension Plan (Ontario Teachers') is Canada's largest single-profession pension plan, with $191.1 billion in net assets (all figures as at Dec. 31, 2018). It holds a diverse global portfolio of assets, approximately 80% of which is managed in-house, and has earned an annual total-fund net return of 9.7% since the plan's founding in 1990. Ontario Teachers' is an independent organization headquartered in Toronto. Its Asia-Pacific region office is located in Hong Kong and its Europe, Middle East & Africa region office is in London. The defined-benefit plan, which is fully funded, invests and administers the pensions of the province of Ontario's 327,000 active and retired teachers. For more information, visit http://otpp.com and follow us on Twitter @OtppInfo.

About Azrieli Group The Azrieli Group is an Israeli public company traded in the Tel Aviv stock exchange (included in the TA-35 index and the TA-125 index) and is the only Israeli real estate company included in the European Public Real Estate Association index (EPRA). The Group has a market cap of NIS 28.2 Billion (approx. US$8 Billion) and is the 6th largest company in the Tel Aviv Stock Exchange (TASE). The Group holds properties with GLA of approx. 13,000,000 sq. ft. including an array of office buildings, malls and senior housing facilities in Israel and overseas. Additionally, the Group incorporates a development pipe-line of more than 10,400,000 sq. ft. For further information, visit our website at www.azrieligroup.com.

Media Inquiries:

For Compass Datacenters: Rich Miller Compass Datacenters Phone: 303-877-3966 Email: rmiller@compassdatacenters.com

For RedBird Capital Partners: Dan Gagnier Gagnier Communications Phone: 646-569-5897 Email: dg@gagnierfc.com

For Ontario Teachers' Pension Plan: Matthew Thomlinson Kekst CNC Phone: +44 203 7551 624 Email: otpp@kekstcnc.com

For Azrieli Group: Moran Goder Head of Capital Markets Azrieli Group Phone: +972-54 560-8151 Email: morango@azrieli.com

Compass Datacenters Announces $3 Billion Expansion Plan is available on: Compass Datacenters

[williamneillson]

UK satellite operator Inmarsat agrees $3.4bn takeover by consortium

London-based Apax, Warburg of New York and two Canadian pension funds to buy company

Inmarsat, the British satellite communications company, has agreed to a $3.4bn (£2.6bn) takeover by a group led by the private equity firms Apax and Warburg Pincus, becoming the latest UK technology firm to be sold to investment firms.

A consortium made up of London-based Apax, New York-based Warburg and two Canadian pension funds, the Canada Pension Plan Investment Board and the Ontario Teachers’ Pension Plan Board, is to buy the FTSE 250 firm for $7.21 a share in cash.

Continue reading… UK satellite operator Inmarsat agrees $3.4bn takeover by consortium syndicated from https://instarify.wordpress.com/

[endenogatai]

ComplyAdvantage nabs $50M for an AI platform and database to detect and stop financial crime

The growth of digital banking has opened up a wealth of opportunities for making the world of finance more accessible and transparent to a greater number of people. But the darker underbelly is that it has also created more avenues for illicit activity to flourish, with some $2 trillion laundered annually but only 1-3% of that sum “caught”.

To help combat that, a London-based startup called ComplyAdvantage, which has built an AI platform and wider database of some 10 million entities to help identify and track those involved in financial crime, is today announcing a growth round of funding of $50 million expand its reach and operations.

Specifically, the plan will be to use the funding for hiring, to invest in the tools it uses to detect entities and map the relationships between them, and to bring on more clients.

“We’ve been focused on more granular analysis and being able to scale to hundreds of millions of searches across our database,” said Charles Delingpole, founder and CEO, said in an interview. “The next phase is more around the network of contacts and more enhanced diligence.” The company today has some 250 staff, mainly in the UK and Romania.

The Series C is being led by Ontario Teachers’ Pension Plan Board (Ontario Teachers’), a huge pension plan out of Canada (US $155 billion) that is known as a prolific growth-stage tech investor.  Previous backers Balderton and Index are also in the round. The company has raised $88 million to date, and while it’s not disclosing its valuation, for some context, it was last valued at around $141 million its last round a year ago, per PitchBook data.

Today, ComplyAdvantage has over 500 customers, primarily financial institutions using it to meet regulatory compliance requirements as well as to reduce their own exposure and risk, providing some automated services to complement (and potentially replace) some of the manual checks that they make to prove you are who you say you are.

It also has a growing business with other groups that are tracking fraud for their own ends, such as insurance companies trying to stem fraudulent claims and government entities. It also has a number of partners that access its database and use that as part of their own solutions (Quantexa, which announced a big funding round of its own last week, is one of those licensing partners).

“A lot of companies in the wider identity space are powered by our data, even if they don’t disclose it,” Delingpole said.

The company had its start originally focusing on the process of helping banks meet regulatory compliance around fraud detection by ingesting and analysing documents provided by customers ahead of opening accounts, initiating larger transactions with new entities and so on. That has taken on a more targeted purpose in recent years as ComplyAdvantage’s database has grown deeper.

Today the core of the business is based around a central database of known money launderers, human traffickers, terrorists, drug lords, and others who exploit financial rails to run illegal operations and make a profit from them.

It’s formed, Delingpole said, by way of “automatically ingesting tens of thousands of datapoints, from websites, national warning lists, linked real-time databases of companies, and various other applications on top of that.” That central database is still growing and Delingpole believes that it’s not unrealistic for it to run to a much higher number in order to get the most accurate picture possible.

“Although we have 10 million today, we want to cover every company and person one day. We think the right number is 8 billion” — that is, the world’s population. “With that larger database we can solve other kinds of crimes too.”

The startup already has a straight channel through to government agencies, reporting connections and discoveries on behalf of their clients directly to them. And to be clear, although there are now strong data protection measures in place in Europe, when people are linked to illegal activity, that puts them on a list that supersedes that. When someone is suspected and is tipped to authorities, that information is kept private.

While all institutions will continue to have teams of people dedicated to risk analysis and investigations into activity, the idea here is to supercharge that work with more data that helps those investigators tackle the greater scale of data in the world today.

“Detecting financial crime in billions of transactions that take place around the globe has become nearly impossible without the application of data science and machine learning. It is this approach that has made ComplyAdvantage into a leader in the category, and the go-to partner for organizations who seek to automate what are still very often manual or inadequate processes,” said Jan Hammer, a partner at Index Ventures, in a statement.

The longer-term opportunity is to build out ComplyAdvantage’s customer base by leveraging information that the company is already surfacing that might be relevant to other verticals.

Insurance is a key example, Delingpole said. “We already see a mention of a person having defaulted on a loan then making an insurance claim,” he said. “We see credit, fraud and ownership data together.”

This, of course, puts the company into close competition not just with others building credit databases but those building strong AI platforms to leverage data to gain deeper insights into seemingly disparate digital actions and to build better pictures of activity on behalf of their clients. That includes not just partners like Quantexa but others like Palantir.

The strength here, said Delingpole, is the sheer size of ComplyAdvantage’s database and its very specific focus on financial crime and how that sits for companies that need to police that, both for their own business health and for regulatory reasons. It’s that focus that has attracted investment.

“ComplyAdvantage offers mission-critical technology solutions for combating financial crime and keeping pace with an ever-evolving regulatory landscape,” said Olivia Steedman, Senior Managing Director, TIP, at Ontario Teachers’. “The company is well positioned to continue its rapid growth as its powerful technology platform transforms the compliance and risk management process for its clients.”

from RSSMix.com Mix ID 8204425 https://ift.tt/2CNXASK via IFTTT

[merge-merge]

Private equity-led consortium to buy Inmarsat for $3.4 billion cash

Private equity-led consortium to buy Inmarsat for $3.4 billion cash

A private equity-led consortium on Monday agreed to buy British satellite operator Inmarsat for about $3.4 billion (£2.6 billion) in cash, six months after Inmarsat rebuffed a slightly lower cash and stock bid from U.S. satellite group EchoStar.

The consortium includes UK-based Apax Partners, U.S.-based Warburg Pincus and Canada Pension Plan Investment Board (CPPIB) and Ontario Teachers’ Pension…

[un-enfant-immature]

ComplyAdvantage nabs $50M for an AI platform and database to detect and stop financial crime

The growth of digital banking has opened up a wealth of opportunities for making the world of finance more accessible and transparent to a greater number of people. But the darker underbelly is that it has also created more avenues for illicit activity to flourish, with some $2 trillion laundered annually but only 1-3% of that sum “caught”.

To help combat that, a London-based startup called ComplyAdvantage, which has built an AI platform and wider database of some 10 million entities to help identify and track those involved in financial crime, is today announcing a growth round of funding of $50 million expand its reach and operations.

Specifically, the plan will be to use the funding for hiring, to invest in the tools it uses to detect entities and map the relationships between them, and to bring on more clients.

“We’ve been focused on more granular analysis and being able to scale to hundreds of millions of searches across our database,” said Charles Delingpole, founder and CEO, said in an interview. “The next phase is more around the network of contacts and more enhanced diligence.” The company today has some 250 staff, mainly in the UK and Romania.

The Series C is being led by Ontario Teachers’ Pension Plan Board (Ontario Teachers’), a huge pension plan out of Canada (US $155 billion) that is known as a prolific growth-stage tech investor.  Previous backers Balderton and Index are also in the round. The company has raised $88 million to date, and while it’s not disclosing its valuation, for some context, it was last valued at around $141 million its last round a year ago, per PitchBook data.

Today, ComplyAdvantage has over 500 customers, primarily financial institutions using it to meet regulatory compliance requirements as well as to reduce their own exposure and risk, providing some automated services to complement (and potentially replace) some of the manual checks that they make to prove you are who you say you are.

It also has a growing business with other groups that are tracking fraud for their own ends, such as insurance companies trying to stem fraudulent claims and government entities. It also has a number of partners that access its database and use that as part of their own solutions (Quantexa, which announced a big funding round of its own last week, is one of those licensing partners).

“A lot of companies in the wider identity space are powered by our data, even if they don’t disclose it,” Delingpole said.

The company had its start originally focusing on the process of helping banks meet regulatory compliance around fraud detection by ingesting and analysing documents provided by customers ahead of opening accounts, initiating larger transactions with new entities and so on. That has taken on a more targeted purpose in recent years as ComplyAdvantage’s database has grown deeper.

Today the core of the business is based around a central database of known money launderers, human traffickers, terrorists, drug lords, and others who exploit financial rails to run illegal operations and make a profit from them.

It’s formed, Delingpole said, by way of “automatically ingesting tens of thousands of datapoints, from websites, national warning lists, linked real-time databases of companies, and various other applications on top of that.” That central database is still growing and Delingpole believes that it’s not unrealistic for it to run to a much higher number in order to get the most accurate picture possible.

“Although we have 10 million today, we want to cover every company and person one day. We think the right number is 8 billion” — that is, the world’s population. “With that larger database we can solve other kinds of crimes too.”

The startup already has a straight channel through to government agencies, reporting connections and discoveries on behalf of their clients directly to them. And to be clear, although there are now strong data protection measures in place in Europe, when people are linked to illegal activity, that puts them on a list that supersedes that. When someone is suspected and is tipped to authorities, that information is kept private.

While all institutions will continue to have teams of people dedicated to risk analysis and investigations into activity, the idea here is to supercharge that work with more data that helps those investigators tackle the greater scale of data in the world today.

“Detecting financial crime in billions of transactions that take place around the globe has become nearly impossible without the application of data science and machine learning. It is this approach that has made ComplyAdvantage into a leader in the category, and the go-to partner for organizations who seek to automate what are still very often manual or inadequate processes,” said Jan Hammer, a partner at Index Ventures, in a statement.

The longer-term opportunity is to build out ComplyAdvantage’s customer base by leveraging information that the company is already surfacing that might be relevant to other verticals.

Insurance is a key example, Delingpole said. “We already see a mention of a person having defaulted on a loan then making an insurance claim,” he said. “We see credit, fraud and ownership data together.”

This, of course, puts the company into close competition not just with others building credit databases but those building strong AI platforms to leverage data to gain deeper insights into seemingly disparate digital actions and to build better pictures of activity on behalf of their clients. That includes not just partners like Quantexa but others like Palantir.

The strength here, said Delingpole, is the sheer size of ComplyAdvantage’s database and its very specific focus on financial crime and how that sits for companies that need to police that, both for their own business health and for regulatory reasons. It’s that focus that has attracted investment.

“ComplyAdvantage offers mission-critical technology solutions for combating financial crime and keeping pace with an ever-evolving regulatory landscape,” said Olivia Steedman, Senior Managing Director, TIP, at Ontario Teachers’. “The company is well positioned to continue its rapid growth as its powerful technology platform transforms the compliance and risk management process for its clients.”

[mikemortgage]

Canadian pension giant plans hiring spree in Asia, Europe

LONDON -- Ontario Teachers' Pension Plan, one of the world's biggest pension funds, plans to hire "extensively" in Asia and Europe over the next two years and could shift an extra C$11 billion ($8.3 billion) into infrastructure and other real assets, its chief executive told Reuters. Read More from Financial Post https://ift.tt/2yVfEop via IFTTT Blogger Mortgage Tumblr Mortgage Evernote Mortgage Wordpress Mortgage href="https://www.diigo.com/user/gelsi11">Diigo Mortgage

[rebeccahpedersen]

Is The I.T. Sector Going To Drive Real Estate Growth In Toronto?

TorontoRealtyBlog

Have you ever been to San Francisco?

I have.  In 1989 when I was 9-years-old.

We had a house in Park City, Utah growing up, and used to take road trips every summer.  In 1989, we went through Nevada, and down the coast of California.  Reno, Nevada was merely a rest-stop for us, and we ended up in San Francisco for a few nights.

My dad had been there in the summer of 1969, and told me that one of the things that stuck out the most in his memory was “The Human Jukebox.”  San Francisco is home to a slew of street performers and buskers, and he told me there was one guy who had a cardboard box, painted like a jukebox, and you could put in $2, and pick a song, and he’d stick one of many instruments out through the makeshift door, and play the song.

I didn’t make anything of it at the time, but low and behold, on the very first night, down by Fisherman’s Wharf, there was that same street vendor; The Human Jukebox, still busking for dollars, after two decades.

Hang on, let me see if my mother can dig up a photo…

…ah, here:

Thanks to Mom, and the readily-available Fleming Family Photo Archive, plus her impressive knowledge of how to work a scanner and crop a JPG at 70-years-old!

I suppose in 2018, the Human Jukebox seems pretty lame.  Today’s kids would ask, “Where do I plug in my USB?”  I suppose the jokes are endless, and I probably sound like an old man for even trying.

But in 1989, the fact that this guy was still there, on the same street corner, with the same gimmick, and probably with more-or-less the same booth, was absolutely mind-blowing to my father, who had been right there, twenty years earlier.

Not much had changed in twenty years, it seemed.  And that was the theme as we toured around, and my Dad pointed out some of the same restaurants he had been to in the late-60’s, or some of the places he got into trouble when he was a young 20-something.

The lack of change was astonishing.  So I was told.

And since then, San Francisco and the surrounding area has done nothing but change.

That’s what I’m being told now.

A client of mine works in tech, and he started going out to San Francisco about six years ago for business.  This was when we first met, and he bought his downtown Toronto condo.  Over the last six years, he’s told me at least two or three times how “Toronto could end up just like San Francisco,” if the city would get “behind” technology, as he explained.

Now I will admit, this is not my field, or my area of expertise.

But I listened to his theories, just as I listen to the Manhattanites joke about our “cheap” downtown real estate, or the London-Englanders talk about how Toronto is a “cute city” and is a version of London from the 1960’s.

While I can accurately claim that I was downloading MP3’s on Napster, which is now merely a name studied in text books about the technology boom in the late-1990’s, the only thing I know about emerging tech is what I hear from my clients.

And over the last few years, the conversation about Toronto being “the next tech hub” has started to get louder.

But first let me show you what happened to real estate prices in San Francisco, as the tech boom went full throttle.

It’s tough to say exactly when the tech-boom started, and when Silicon Valley became the place to be.  I might say it was 1995, when giants like Amazon got their start.  That’s also the first time I ever used the internet.

The median home price in San Francisco in 1995 was $225,000:

Yes, I know, I’d rather look at the average, but over a long enough time period, and with enough data, they’re somewhat comparable.

This is the only chart I could find that went back into the 1990’s, and actually into the 70’s which is kind of cool.

But that’s a bit far back for most of us.  Yeah, I missed out on being a 70’s baby by eight months…

Now if you want to see where prices are today, then here’s an April, 2018 update:

That’s $1,610,000.

And looking back at the $225,000 median from 1995, that would also represent a 706% increase in value in that time.

How does this compare to Toronto?

The average home price in Toronto in 1995 was $203,150.

The average home price for the entire year 2017, was $822,681.  But if we want to compare to San Francisco as per the chart above, which looked at the average in April, then we’d be looking at a slightly lower number of $804,584.

That’s a 296% increase in value.  Not bad!

But not the 706% increase that San Francisco had.

The market bears out there are probably shaking their heads already, thinking, “He’s going to shine a positive light on Toronto by comparing it to San Francisco?”  But as I said, I’m just looking at one particular theory out there, from a client who lives part-time in San Francisco, who’s been telling me to make this comparison for years.

And here’s the article he sent me in the summer that spawned this blog post:

“San Francisco Home Prices Grew The Fastest Ever In The First Half Of 2018 As The Tech Boom Shows No Signs Of Slowing”

From the article:

The average price of a house bought in San Francisco rose by $205,000 in the first half of 2018, the largest six-month increase in history, according to MLS data compiled by local real estate agency Paragon.

The average house in the city limits now costs $1.62 million. Condo prices also rose by $71,000, which is a significantly slower pace of change than in past years, but still comes in at a startling $1.21 million.

This is a direct outgrowth of the current tech boom in Silicon Valley, which shows no signs of slowing down.

It’s worth recalling that a lot of people in Silicon Valley were bracing for a slowdown in 2015. Venture investors like Bill Gurley were predicting that long-running start-ups would have to raise rounds at lower valuations because their last rounds came with restrictive conditions for future investors but they weren’t ready to go public yet. Start-ups cracked down on expenses. Apple’s share price actually dropped during the year, as investors grew concerned about slowing iPhone sales and the prospect of a general downturn. The next year, Silicon Valley stalwarts Intel and Cisco both laid off several thousand employees apiece.

Indeed, housing prices in SF actually slowed their growth in 2015 and 2016, before starting to rocket up again last year.

Toronto is not going to be the next Silicon Valley.

But I have to think that Toronto turned a major corner when Google (or Alphabet) announced that Sidewalk Labs would be coming to Toronto’s waterfront.

I remember back when Blackberry was the biggest name in Canada, and it seemed that Waterloo, Ontario would be Canada’s hub for innovation, technology, and all things intelligent in the future.  But it seems as though Toronto is slowly developing as the front-runner for Canada’s tech-hub, and it could end up being one of the largest hubs in the world.

On Saturday, the Huffington Post published an article that basically stole all my thunder:

“Toronto’s Tech Boom Will Keep Real Estate Frenzy Going: Forecast”

I have a lengthy queue of blog ideas; some are written as soon the idea is logged, and some languish on paper for weeks or months.  Well, the Huffington Post basically wrote the story for me!  Read it if you have time, it’s fantastic.

The article notes that between 2012 and 2017, Toronto added 82,000 jobs in the tech industry, which was more than any other city in all of North America, according to CB Richard Ellis.

CBRE provided this graphic as well to show how Toronto has moved up the ladder among tech giants:

As I’ve said, tech is not my field, and I don’t follow the industry much.  I’m not a gadget-head, I don’t care for the latest/newest/brightest consumer products, and half the jobs people are doing out there right now, I haven’t even heard of.

But I read the headlines.

And everywhere you look, it’s tech.

When it’s not tech, it’s sort-of tech.

Like this, which was in the news on Tuesday:

“Spaces Plans Its Largest Co-Working Sites In Toronto, Vancouver”

Spaces is a co-working environment that provides on-the-spot, or short-term desks, offices, conference rooms, and meeting spaces for entrepreneurs, small business owners, or anybody that needs the space, but can’t afford it, or can’t make use of it, full-time.  It’s like Uber for office buildings.

Some will argue that the presence of Spaces in Toronto’s downtown core will eliminate the need for large office buildings, but I disagree.  I think Spaces and other co-work environments like them will supplement office buildings, not replace them.  If anything, Spaces is necessitated by the city’s inability to build commercial space fast enough.

Commercial real estate, for what it’s worth, is booming in Toronto.

“Investors Lift Canadian Commercial Real Estate To New Heights”

Commercial transactions in Canada last year smashed the previous record by 38%.

Toronto accounted for a third of all transactions in Canada.

The pension funds, investment trusts, and huge private money wouldn’t be buying Toronto’s office towers if they didn’t think the city would be running low on space in the future.

And all the while, the people who work in tech, will have to live somewhere.

My client from San Fran has been telling me this for years.�� He’s the single-most bullish person I have ever met when it comes to Toronto real estate, and he only owns his primary residence, so he’s not some over-extended investor cheerleading the market out of blind will.

That’s only one voice, but I can’t deny all the other chatter.

Time will tell.

In the meantime, perhaps we can jump into the ongoing debate over whether or not Sidewalk Labs is going to allow Google to take over our souls?

True story.  Google it…

The post Is The I.T. Sector Going To Drive Real Estate Growth In Toronto? appeared first on Toronto Realty Blog.

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[profoundgardenertree-blog]

michigan affordable family health insurance list

"michigan affordable family health insurance list

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My son's girlfriend is 18 and she is purchasing a new car. She is financing part of it. The insurance for her is very expensive so I though maybe I could add her to my policy. I figure if the car was in my name it wouldn't be a problem, but since it is going to be in her name and since she's not actually related to me I may not be able to do it.""

How much will my car insurance go up and who should pay?

My ex-husband just bought my 17 year old son a car. He will not pay for the insurance and my son does not have a job to pay for it or for gas money. How much will the insurance cost and who should pay for it? My ex or me?

Will my speeding ticket raise my insurance?

Yesterday I got a speeding ticket in Cambridge, OH, my home state.Going 9 miles over, 79 in a 70. I have State Farm Insurance and this is my FIRST traffic violation. If i pay the fine right away, not having to go to court, will I get any points on my license or will my insurance rate go up at all?""

Is car insurance any cheaper for a pensioner if he do'snt work?

I am 67 and just finished working, when I renew my car insurance in a month's time, should I expect it to make a difference to the premium.""

Should I pay insurance on a car that I can't drive?

I'm very frustrated with this car & I won't be able to pay to get it fixed until September. Some people are telling me to still pay insurance on it, & others are telling me that it doesn't make sense to waste money, & that I should cancel the insurance. I don't know. I'm about to cry.""

If you buy a car in full do you need to have collision coverage in your car insurance?

If you buy the car in full (pay for the car at once, not lease or financed) do you need to have collision coverage? If I get into an accident with somebody, wouldn't the other person's insurance pay for my car's damage? I'm planning to buy a used car for $17000 (paying in full) should I get collision coverage? also somebody explain Liability and full coverage for me (I guess full coverage is selecting every coverage when you lease for finance your car).""

""Why is it cheaper to insure a car witha provisional licence, than a full licence?""

I was doing a price comparison check for insurance on my car after I've passed my test and it was around 1,400. I'd been entering that I had a full licence as I was looking for after I'd passed, I then changed it to say I only had my provisional to see how much it would cost to insure now so I can practice with someone sat in and it's only about 750. Why is it cheaper?""

Obtaining health insurance policy number?

I need my health insurance policy number for a school trip I'm taking. I don't have my Insurance card and I am wondering how to get my policy number thanks.

How often Can You make a Windscreen Insurance Claim for one Vehicle in One year (UK car insurance)?

Ive just had a replacement Windscreen fitted as an insurance claim with the Norwich union. Three days later after the local Council Resurfaced a local road the Windscreen got hit by a stone thrown up by a car be driven way to fast for the newly surfaced road...the Question is How many such Windscreen Claims is you Car Insurance Company likely to Honour in any given year of fully Comprehensive Insurance. I feel a bit of a pratt Making a claim only 3 days after the first claim, but Neither of these Incidents were my fault but just accidental damage. as it is the first Claim cost me a 60 Excess payment and the next one will cost 60 just thec same...""

Health insurance for kids?

Health insurance for kids?

What is the cheapest auto insurance you have found for Louisiana?

We by far are one of the highest rated states in the US. I am looking for ways to save money and I am sure this is a good way. What company works for you?

What company has the cheapest teen car insurance?

I'm moving out, and I need insurance! But I can't afford my moms plan anymore since of course, moving out in college is expensive. I've ever had an accident, and I make straight As. Who could you recommend?""

How can a 21 year old male get lower insurance on a sports car?

Currently, My Insurance is 98$ a month and I am insured on my Dad's 2012 BMW 328i and as a secondary driver on my 2012 Camaro RS, my lease is up and I am hoping to lease the new Corvette and go on my own insurance plan when I move away for work. However, my quotes so far are really high, like $200 a month high. I was wondering if there was any way that I could bring my insurance rates lower. Thanks! Additional Details- I got a speeding ticket when I was 16 but does not reflect my payments No Wrecks or claims I usually drive over 15k miles a year I Live in Tennessee""

What car insurance company has the policy that you insure on person but anyone can drive it and be insured?

What car insurance company has the policy that you insure on person but anyone can drive it and be insured?

Can I legally drive my fiances mothers car; will her insurance cover me?

I'm 20, I will be 21 in a month. I got my Provisional Drivers License today. I have a toddler, and am pregnant. We live in Calvert County, Maryland. My fiance and I live with his parents, we rent 2 rooms. His mother is 69, and has All State car insurance, not sure what plan. Can I legally drive her car infrequently, like to the grocery store, or to OB appointments here and there without having insurance myself? Does it depend on her plan? She's going to call them tomorrow to see, but I'd just like to see what answers I get on here tonight. Any help would be appreciated, thank you.""

Is it better to repair cars with insurance company or known mechanic?

I met with an accident the other day where a drunk guy hit me at the rear end of my totyotal avalon. there is considerable body work to be done. i dont know if there may be any ...show more

Can a health insurance company find out if you are NOT a full time student?

Is there any way that your health insurance company can or will find out if you are a full time student or not? Usually i am a full time student but this semester i have a class that is only 2 credits, therefore i have 11 credits and technically am not full time. My dad recently received a letter asking for me and him both to sign it and list the name of the school i go to etc. So my question is this, will they call and verify with the school? thanks""

How much will I have to for car insurance?

I'm 19 and I just got my permit. So in 6 months I will have my license. By then, I will have car. Which insurance will be cheapest and how much would I have to pay a month? I know nobody can put an exact price on it, but maybe an estimation?""

Insurance cost for 2.3l fox body mustang 16 year old?

I am 16 and considering purchasing a 2.3l four cylinder mustang. These were made from the mid 80's to early 90's. They have like no power but get good mpg. I am worried that insurance companies would see the word mustang and give me a high rate. BTW my sister is 17 and pays only 50 a month on a family plan for a 1995 suzuki sidekick.

What is a good insurance company for health insurance?

in a month i will need health insurance for my wife where can i go to get good honest help do you know of any insurance companies to stat away from or recommendations

Will my car insurance rate change?

Okay so I got married this May and my car insurance is still in my old name and my old address... My husband has a couple tickets and accidents on his record... Will this make my insurance rate go up? Also I'm not living in the town that I got my insurance in anymore, will this be an issue? Thanks in advance!""

Is insurance lower on an rx8 or 350z?

and how much of a difference is there on average? im 23, got a few speeding tickets, thats about it""

michigan affordable family health insurance list

michigan affordable family health insurance list

Why does the Affordable Health Care Act make health care more expensive?

http://www.washingtontimes.com/news/2012/dec/10/obamacare-fee-of-63-per-person-to-begin-in-2014/ If the name was correct, shouldn't costs be going down? What would be a ...show more""

""Can I get auto insurance coverage with my sister's auto insurance? (Boston, MA)?""

I will be visiting my sister who lives in Boston, Massachusetts. I will have to drive her car but I do not have my own auto insurance. My sister, of course, have her auto insurance (through Commerce Insurance) which has full coverage. The question is, will I be able to receive coverage (with my sister's insurance) in case I get into an accident?""

Cheapest car insurance in texas?

Hi... I have been re searching insurances and they are most around 180.... i was wondering if there were any other cheaper ones in texas... am single pregnant with assisiates, renting, 23 years old. No tickets. 1 acciden no okthers damaged.....""

Where to a find good site Affordable Family Health Insurance?

Hello, please suggest me a website for affordable family health insurance.There are many sites that offer you discount, but i think most of them are scams.I need cheap price for my health insurance.Please let me know.""

Where can I get a free auto insurance quote?

I would like to know of a website that offers a free auto insurance quote?

SR-22 insurance for a 2002 VW Jetta?

I'm at around $150 a month right now for my 1993 Mitsubishi Galant, which seems a little rediculous to me, I may be switching companies. Any idea how much more it would cost?""

What would be the insurance policy on a 2013 Mustang GT/CS?

Make believe it is the summer of 2014 and I just bought the stated car above. How much would a typical insurance go for a used Stang with around 7,000 miles in a small city(like Gainsville) go for?""

""Out of a mini one, mini cooper, fiat 500 and Rav-4 ?

Ok so this is my first car and these are all the cars I like and can get. So could someone plz tell me which is cheaper insurance for a 17 yr old girl and which is cheaper on petrol? Thank you xox

New drivers (permit); what can save money on insurance?

Okay, new drivers in the family (got the permit today). Of course, DMV rats you out to Allstate, and Allstate charges a ton for insurance (Arm + Leg). Oh, two new drivers. So I'm looking for ways to show good character to Allstate or find a cheaper insurance. Now, I know some basic things about Auto Insurance: A) Good grades (above 3.0 gpa) can get a discount from some insurers (usually 10%). Have this. B) I drive a moderate car (not SUV or sedan). Good condition. C) The car will be shared between 2-3 young drivers. Since they can't all be in the car at once, I imagine this could reduce costs. D) No criminal record and no disciplinary file at school. E) In the Fall, Drivers Ed is offered. I understand that it also can reduce costs F) Parents are responsible drivers (low insurance) Who tends to be cheapest with Auto Insurance? Am I wrong in any of the above statements, and is there any other factors that can save money? Where is the best place to get a quote? Thank you!""

How much for scooter/moped insurance?

I want a 50cc scooter and I have no idea how much i would pay yearly. This is in Montreal by the way. How much on average for insurance, and other costs (License plate)?""

Car insurance for golf?

i am currently getting quoted silly money ask you can imagine for a golf as I am a 17 year old male which just passed. may be a silly question but is there any reasonable insurance companies out there or anyway round it to make it cheaper !?

Cheap car insurance...who are you with?

i am looking for cheap car insurance for my two cars. i had my license since i was 18 and now im 20. i have no tickets and i need to find insurance please help me....who do u have and how much do u pay?

Can i buy car insurance in another state?

I live in PA, but im currently staying in Iowa for another month. Just bought a car here with a temperary plate, and i was wondering if i can buy insurance here so i can drive this car around for a month, then ship it over and register it over there. Thanks!""

""How much is insurance on a 1995 jeep wrangler 4x4 for a 16 year old male that lives in DOuglasville, Ga?""

I am currently 16 and I am looking into buying a Jeep Wrangler 4x4 5 speed with a 3 inch lift. How much on adverage would insurrance be for me being a male? I live in Douglasville, Ga if that matters.""

Cheapest 600cc sportbike to maintain?

Which of these bikes of the 600cc class is the cheapest to maintain in terms of insurance, gas, maintenance, etc...(so which is the cheapest combining all of these aspect) the bikes = kawasaki zx6r, honda cbr600rr, yamaha r6, suzuki gsxr 600""

Should I file a claim with my car insurance or pay out of pocket?

I am making payments on my car and currently have full coverage car insurance. About a week ago, I was driving my car on the freeway. It had been raining earlier that morning. A car beside me switched lanes in front of me suddenly. (She did not hit my car) but she caused me to loose control, my car hydroplaned spun out and hit the center divder on the freeway. No other cars hit me. My car has damage to the tire, rim and the right rear of my car from the back door to the bumper has scrathes and damage. I did not file a claim at first because the cost of my insurance is already $108 (because of a ticket) and I did not want it tod go up. But after paying to replace the tire, the rim and some other issues with the axile for $606....and the tow service which was $125; I'd like to know if any one has an idea of which would be more beneficial. Should I pay the $1000 deductible and have my car fixed through the insurance company, even though my monthly payments will increase? Or should I just continue the repairs out of pocket?""

Auto insurance for Toyota celica gts 2000?

I am getting my license on my 18th birthday and I am planning on getting a celica. The car will be on my dad name, and he's over 25yrs old. I want to know the rates of auto insurance for a sport car vs me getting a regular 4 doors. I just got a quote today and the guy told me that my insurance could be $116 a month for the celica with progressive please help me make my decision ty""

How can I convince my dad that leasing a cheap car would be a good decision given my circumstances?

Ok. So I'm about to be 18 and have about $1,400 saved up towards a car, should be getting a few hundred more after graduation and from a few other things, so I expect to have around $2,000 in the summer. This is what I was planning on spending on a down payment on a cheap used car. For the monthly note and insurance, my parents said that they'll help at least some until I get a job. The thing is, it's seriously impossible to get a job in my town. I've been trying for a couple years and just nothing. Most other people I know - not just teenagers - are having the same problem. Because of this, my parents are worried that having to pay for so much and me pay for basically just the down payment would be too much on them. They're struggling very hard financially and haven't bought a car themselves in 13 years. So I was looking at some car websites the other day and noticed that some of them had really appealing lease deals. The ones that most caught my attention were $0 down, and then a monthly payment of around $200 or less per month for three years. What really interested me about that deal is the no down payment, because if there's no down payment and they pay for the monthly note, then that's the only thing they have to pay, at least for quite a while. That leaves me with around $2,000 still in pocket to spend over time on insurance, gas, various maintenance costs, etc., plus if there are too many hidden fees, etc. in the lease. (My dad got me an insurance quote and it was a lot lower than I expected btw, about $560/yr.) That seems so much better than having to start back at $0 after buying the car having paid all the rest on the down payment. I just don't wanna spend that much down because then I'm left with nothing, if I can't get a job then I have no way to pay for everything, again my parents don't think they can pay too much. If they only have to pay the monthly note, then I still have quite a while to get a job and start making money before that couple thousand runs out and if I do eventually get a job (hopefully it'll be easier in another city, but I need a car in order to move), I can even help them with the monthly payments or pay all of them. But all they can say is, Why lease a car when you can buy one, you'll just be stuck in the same spot in three years. But this is completely missing the point. The problem here is that if I spend everything down, then I have nothing left to maintain the car with, and therefore can't have a car at all. I have no steady source of income and can't make a steady source of income without a car. But if I can afford to maintain a car for at least several months with money I already had and can later get a job in a bigger city, I at least have some car, regardless of whether not I own it or it's the best and wisest financial decision in the long run. Once I have a car I can move to a bigger city and hopefully go to college and then get a better job, I'm sure I can get another car later. So basically, if I want a car now (which I need one in order to advance my life and go to college and such) the only possible way is if I lease instead of buy, unless I suddenly come into a bunch of money or can find a car for sale with no down payment. I need to just do whatever I have to do to have a car and get by at the moment, but my parents won't let me. They're so stuck in their stubborn ways that leasing cars is always a waste of money (I agree that it'a a waste of money, but again that's not the point here, the point is that I need a car) when in this situation it would work much better for me. But they refuse to let me.""

200$ Car Insurance for 19 year old?

I was told that Car Insurance is usually around 1200$+ for people under 25 years old cause of risk. But I was curious exactly how much so I went to GEICO online for an insurance ...show more

What is the benefit of term life insurance over other types of life insurance?

What is the benefit of term life insurance over other types of life insurance?

Car insurance?

how much would it cost to insure a car. if the driver was sixteen. it wouldnt be a fast car. so how much for third party insurance. and how much to get my car insured

I have a question about the Subaru Wrx Sti and Insurance?

Hi, My name is Adrian and I'm 20 years old and just go recently got 2008 scion TC 2 months ago, and yes I made a mistake because I should have gotten the used Subaru Wrx Sti 2005 and has 23,000 miles or above with modded exhaust. They are selling for 19k... Guys Do you thinks its ok to trade in my Scion Tc for subaru wrx sti??? I dont have credit and currently building it up by paying my car, insurance and cellphone... My insurance cost for my Scion Tc is $239 i know its high because 21 century consider it as a sports car not 3 door hatchback... Do you think my insurance will lower since the Subaru Wrx sti is older and its sedan... Thanks you!!!! BTW THIS IS THE SUBARU THAT I WANT TO TRADE IN http://washingtondc.craigslist.org/nva/ctd/3418522562.html""

Car Insurance - Which one?

Hi all, I am shopping around for a new car insurance company. I've been comparing quotes and it seems like either Gieco, Progressive, TheHartford. As I've never had experience w/ either of these companies, could anyone here chime in w/ their thoughts on either?""

Will my car insurance rate increase if my car is stolen and never recovered?

I also have GAP insurance.

How much will my insurance and maintenance costs be affected by what type of car I get?

I'm about to be 18 and am planning on getting my first car soon. I've been driving for almost 3 years in my parents' cars but need my own for heading off to college and such. I don't know what type of car I want to get, but it's gotta be cheap, old and used, preferably up to $6,000-7,500 at the absolute max. The problem is that I've been really into cars for most of my life and would rather have something a little nicer to start, I mean within the same price range but for example a Mustang, Mitsubishi 3000GT, BMW 3- or 5-Series, etc., rather than the usual Civic or Camry (not that I'd mind one of them either). The problem is that I'm worried the insurance will be way more expensive. The latest quote my dad got was a few weeks ago and it was quite a bit lower than I expected, only like $560/yr., but that was with their old '93 Taurus GL. Will having a sports car or more high-end car affect it really dramatically or will it not make that big a difference as long as my driving record stays good? Also, how much more does it cost to maintain and repair a car like a used BMW than it does just a normal car like an Accord? I've always heard that European cars in particular can be temperamental and finicky if not maintained properly, so I'm just worried that I won't have the money and know-how to have and keep a car like that as my first car.""

michigan affordable family health insurance list

michigan affordable family health insurance list

How long do i have to have my drivers permit?

I am 18 and live in Arizona. i have never had my drivers permit and i am getting it in a couple days.. How long would i have to hold my permit in order to get my licence

""New driver, average car insurance?""

Just wondering here, to the new drivers, how much do you pay per month for car insurance. I am canadian so that would be helpful too. If I were to take drivers ed and then get my g2 that way...What would I be expecting to pay monthly?""

How much will the car insurance rate increase?

Company: Mercury Current Rate: $450-ish/month Accident: Backing up into another car; indentation (about 2 feet wide) on other car, no injuries, other car still functions normally. Also, I got my license in July and I am under 18. Thanks in advance.""

What health insurance can i get? i have been rejected by all the insurances do to the fact that im obese?

im 20yrs old and weigh 350 pounds im only 5 7 and dont have health insurance ive been rejected by all. i need to see a doctor because lately i haven't been feeling to good and i know its because of my weight. also i would like to get a gastric bypass but i need good insurance but no one is willing to give me insurance. but i would atleast like to have any kind of insurance to go see a doctor. please help because im slowly diying. oh and i live in california and my job doesnt offer insurance.

Can I get temporary health care coverage inbetween plans?

I'm switching jobs and have about 30 days where I will have no insurance. What can I do to get my prescriptions covered for that amount of time? I'm looking for something affordable and legit.

What is the average cost of insurance for a teenage driver per year?

I'm 17, and in about a month I'm getting my provisional license. My parents are having me pay for my insurance, and I was wondering if anyone had a rough idea of what I might be paying. Thanks!""

Is car insurance in America cheaper?

I have a Honda civic 2007 (nothing special) sedan and pay $280/month cause I live in Canada, clean record too""

Ticket for No Insurance in Alabama?

We have checkpoint in mobile, alabama where I live and basically it's where cops stop traffic and check every vehicle for drivers license, insurance, registration, child restraints, etc. Well, I got a ticket for no insurance (I know i'm dumb for not having it, but believe me i'm getting it tomorrow). My question is does anyone know how much a ticket for no insurance is in Mobile, AL? I've checked the website but they have nothing on how much tickets are. I called the number on the back of the ticket and it doesn't say either. The officer said I may be able to get insurance and on my court date show it to the judge and just pay the $105 court fee and no ticket fee. Is that true also? Please help.""

Auto Insurance help thanks?

I am 16 thinking about getting me a car in the next year (17) can i get on my own insurance plan or try to get on my moms (me and my mom don't look eye to eye) so i don't think she wouldn't do it and if not how much would it cost if i get on my own insurance and what would be the best insurance for my age thanks so much.

19 Year Old Female & NO health insurance.. HELP!?

I am 19 years old, I am female, and I am BROKE. I live on my own. I live in Missouri. I work part time (or LESS) and only make minimum wage. I have no insurance and can't really afford any right now. I really need to visit the doctors. I've looked at a bunch of different insurance that the state offers, but unfortunately it doesn't really apply to me because i'm NOT pregnant and i DON'T have kids. What can I do? Is there anything I CAN do?""

Car insurance rough estimate?

55 years old, recent drink driving conviction, Mazda sports car worth < 2K.""

Mortgage Life insurance or regular Life insurance?

My husband and I got information on Mortgage Life Insurance which basically is kind of like Life Insurance I guess and pays off your mortgage if someone dies. For example, our house is $180,000 and I die in 10 years and the mortgage balance is $80,000 then my husband still gets the original $180,000. He can use this to pay off the mortgage plus have money left over and use for whatever. This sounds like a great deal to get but I want to get other people's opinions who know information on this. It is called Forester Mortgage life insurance. Also, what is the difference between this and regular life insurance? Is regular life insurance better? Thanks!""

What do small business owners usually get for affordable health & dental insurance for themselves?

What do small business owners usually get for affordable health & dental insurance for themselves?

Do you pay homeowners insurance in advance?

When closing on a house, do you pay the homeowners insurance in advance?""

Getting my auto insurance rates down?

My wife and daughter just started driving, my daughter is a college student with a hi gpa and will be 18 soon. We have a 2008 Honda crv and a 2003 Honda Odyssey How can I get to pay the lowest premium with 100,000 300,000 my daughter only goes to school 4 days a week.Thanks John California""

Why can't health insurance companies in one state cover individuals from other states?

United States

How do You Show Proof of Auto Insurance to a Court?

In California, do you have to just show the insurance policy or do you have to show policy with payment receipt?""

Would my insurance still pay for this?

My car got hit the other day and I got an estimate for it. It'll cost $500 and it's just a long scratch. If I tried touching it up with car paint and whatever and it comes out looking like sh*t will the body shop still do it's work or would I have to pay for it since I messed with it?

Cheapest insurance for young drivers in the uk?

Cheapest insurance for young drivers in the uk?

Which car insurance company is the cheapest in California?

i have a 1993 toyota camry xle v6 4D....im a single parent that has never been in an accident....and i'm going to insure with my son whose had a non at fault accident

Health insurance for someone on a Fiance Visa to the U.S.?

My fiance is travelling to California on a fiance visa this month. We have 3 months to get married and then we can apply for his permanent residence and social security, which I hear will take about 6 months. Therefore I don't think I can put him under my work's health insurance. In the meantime, what can he do about health insurance? Will travel insurance w/ medical coverage be okay until I can put him under my health coverage?""

Where can I find low cost insurance plans?

I am 19 years old and I want to sign up for health, dental, and vision insurance. What are some insurance plans that I can look into, that are low cost?""

""On Average, how many dollars per month would a 2 pt ticket add to my monthly insurance?""

If you have gotten one please tell me, I just want to see around how much they add :D""

Do you get cheaper insurance for older cars or new cars?

Do you get cheaper insurance for older cars or new cars?

Would you get heath insurance and if so who through?

Me and my husband married young, when we married I had insurance through my job which was great but now, since I went back to school we are without insurance. I am in school ft and he also works but is two hours under what he has to be working to get insurance a week. We are 21 now and are wondering if you view health insurance as something someone our age needs and if so how to shop for it, what type to get and where to get a quote. We are both EMTS and have ran rescue before and we have seen lots of people without insurance but we want to make a well informed decision regarding this health insurance. Might I add that we are generally healthy, have a general practitioner at the moment that we rarely use, and during our marriage of two years have never been to an ER for any reason... Any insite that you have into this situation would be great! Thanks and God Bless""

michigan affordable family health insurance list

michigan affordable family health insurance list

https://www.linkedin.com/pulse/how-get-quotes-your-auto-insurance-allstate-ann-farley/"