wanted to make sure you had seen the GoFundMe campaign for Gionni Paul who played for the Salt Lake City Stallions. The linebacker broke his arm in the final game and three days later the Alliance of American Football league folded.
Funds raised will go towards Gionni Paul’s medical bills.
You can learn more here https://www.gofundme.com/let039s-help-gionni-paul-cover-aaf-medical-expenses or below.
Best,
Ayannah
GoFundMe: Let’s Help Gionni Paul Cover AAF Medical Expenses
After the AAF folded on Tuesday it left a lot of BS for player's to deal with! One of them is one of my all-time favorite Utes Gionni Paul, who broke his arm in the Stallions last game on Saturday. Come on Ute fans and Stallions fans let's help him out with his medical expenses! I do not know Gionni personally but 100% of funds raised(minus Go Fund me fees) will go directly to Gionni! He has balled his ass off for the Utes and the Stallions let's help him out!
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With average annual car insurance premiums on the rise, the personal-finance website WalletHub today released its 2019 report on the States with the Cheapest & Most Expensive Car Insurance, along with a review of Utah’s Best Cheap Car Insurance Companies.
To determine the cheapest car insurance options in Utah and the U.S. overall, WalletHub compared 206,974 quotes across 47 states.
Utah’s Rank for Cheap Car Insurance: 26th nationwide
Top 10 Cheap Car Insurance Companies in Utah:
1
USAA
6
Allstate
2
Progressive
7
United Insurance
3
GEICO
8
Standard Fire Insurance
4
Bear River
9
Metropolitan Group P&C
5
Auto Owners
10
Farm Bureau
Best Cheap Car Insurance Companies in Utah by Demographic:
KEY FINDINGS:
EXPERT COMMENTARY:
64 Million People Prefer the Cheapest Car Insurance to the Best Coverage
Car insurance is expensive. The average adult in the U.S. spends roughly $1,000 per year on coverage, according to the Bureau of Labor Statistics – more than we spend on fruits and vegetables, alcoholic beverages or our pets, for example. That helps explain why 64 million people, or 26 percent of us, say they want the cheapest car insurance rather than the best coverage, according to a new survey from the personal-finance website WalletHub.
A lack of financial literacy also plays a major role in consumers’ attitudes toward car insurance. Roughly 54 million people (22 percent of U.S. adults) say they do not understand their car insurance, WalletHub found. In other words, as invested as we are in protecting our wheels, millions of drivers still need a learner’s permit when it comes to their car insurance policy.
Coverage Confusion
Part of the reason for consumers’ uncertainty is the confusing hodgepodge of insurance companies and regulations that are sufficient to make even a knowledgeable shopper’s head spin. “There are at least three areas in which the state in which you live will affect how much you pay for coverage,” Douglas Heller, an insurance expert with the Consumer Federation of America, told WalletHub.
For starters, minimum coverage levels vary by state. “Second, each state monitors, or regulates, the insurance industry in different ways,” Heller said. “In some states, such as California, before raising or changing rates and pricing practices, insurance companies must go through a strict review by government actuaries, lawyers, and other experts to ensure that rates are not inadequate, excessive, or unfairly discriminatory.” The third reason, according to Heller, is that “states may have different risk profiles related to things like traffic density, road conditions and maintenance, weather, and the cost of injury care and car repair.”
This, along with a general lack of subject-matter understanding among consumers, may also help explain why 63 million people, or 25 percent of U.S. adults, have never switched car insurance policies. Picking a policy the first time may have been hard enough, and no one wants to trade down by mistake.
Unfair Pricing?
There are also some trends in car insurance pricing that many consumers understand are happening but most do not agree with on the basis of fairness. For example, people with no credit pay an average of 67 percent more for car insurance than people with excellent credit. And two-thirds of WalletHub survey respondents believe it’s unfair for credit scores to affect car insurance costs. Yet most drivers don’t realize just how much of an impact their credit actually has.
Although just three states – California, Hawaii and Massachusetts – ban the use of credit data in car insurance pricing, “all should,” said J. Robert Hunter, director of insurance with the Consumer Federation of America. “It is a proxy for prohibited classes of income and race.” In other words, credit data could be a seemingly palatable way for car insurance companies to discriminate against certain groups.
Car insurance companies also factor gender and geography into policy pricing. And while the intent may be similar, consumer opinions on the practices are not entirely consistent. More than 7 in 10 people say it’s unfair to include gender in car insurance pricing, according to WalletHub’s survey, but there’s a 50-50 split regarding the use of zip codes. It may just be that gender and geography, particularly the latter, have a legitimate role in insurance pricing given their impact on risk.
A “combination of road design, speed limits, enforcement and driving culture,” make it more risky to drive in some cities and states than others, said Robert L. Rabin, the A. Calder Mackay Professor of Law at Stanford Law School.
Differences in weather patterns, traffic congestion and crime are key underlying factors, too. “Often variations in rates are impacted by geography (and more specifically) weather,” said Susan A. Shaheen, co-director of the Transportation Sustainability Research Center at the University of California, Berkeley. Other important considerations include “city size and traffic congestion (which can contribute to higher accident rates), demographic variations in the average age of a metro area (younger drivers and older adults can be associated with higher levels of risk), and crime (both vehicle theft and vandalism).”
Next Steps for Drivers & Legislators
At the end of the day, it’s clear that most drivers could use a refresher course on car insurance. However, our priorities seem to be in the right place, and new tools are making it easier than ever to find the best car insurance at the lowest price.
There are several steps in particular that cost-conscious drivers can take to save on car insurance.
Consumers are not the only ones with room for improvement, however. There are plenty of things state and local governments can also do to improve the car insurance landscape for their constituents.
“The most significant thing a state can do to promote inexpensive car insurance is require insurance companies to justify their rates and practices before they can raise prices on drivers,” said Douglas Heller of the Consumer Federation of America. “Since governments require that drivers purchase auto insurance, the government has a special obligation to ensure that prices are fair and affordable.”
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Are You Less Of A Man If You Opt
For Cosmetic Surgery?
While the stereotype says it is women who worry most about body image, in truth men also are concerned about what they see when they gaze in the mirror.
They just aren’t always willing to admit it. So, while more men than ever before are turning to cosmetic surgery to improve what they see as defects in their appearance, plenty of others are reluctant to even acknowledge anything that could be seen as a weakness or a flaw.
“For many men, especially older men, being concerned about their appearance is not manly,” says Dr. Dennis Schimpf (www.sweetgrassplasticsurgery.com), founder of Sweetgrass Plastic Surgery and author of Finding Beauty: Think, See and Feel Beautiful.
“They are probably as insecure about their appearance as any woman might be, but they feel that they need to project confidence or be indifferent to their looks.”
Still, some men are clearly putting aside those worries. For example, the number of tummy tucks for men increased 12 percent between 2012 and 2017, according to a study by the American Society of Plastic Surgeons. Liposuction procedures for men were up 23 percent, and breast-reduction surgeries were up 30 percent.
Even so, Dr. Schimpf says, men who do explore the idea of plastic surgery for cosmetic reasons often seem embarrassed.
“Sometimes a man will come in with his wife, who will talk about herself first, and then open up the conversation to what he’s considering having done, almost as if it’s an afterthought,” he says.
But slowly but surely, more men are entertaining the idea of making changes to their appearance. Dr. Schimpf says a few reasons for that include:
Changing times and attitudes. Men who are baby boomers often worked in jobs involving physical labor. How they looked did not matter on the job. “We live in a different world today,” Dr. Schimpf says. “Men are more concerned with their appearance – their hair, their clothes, their overall look. Little by little, It’s becoming more acceptable for men to publicly talk about looks, and every day there are new products on the market for men who want to change the way they look.”
Technological advances in plastic surgery. Today’s technology allows for less-invasive procedures, which appeal to men. “Men are looking for procedures that deliver more subtle changes with quick recoveries because they want work done ‘under the radar’ essentially,” Dr. Schimpf says. “They don’t want others to know they’ve had something done because of what they believe people will think.”
Social media’s influence. One factor that affects both men and women is how in today’s world, everyone is constantly being photographed and those photographs often end up on Facebook, Instagram or other social media sites for all the world to see. That makes it more difficult than in the past to not care what others think, Dr. Schimpf says. “Patients tell me all the time that they didn’t realize they had a double chin until they saw themselves on their cell phone screen when they turned it on to take a selfie,” he says.
The bottom line, though, is that anyone considering plastic surgery needs to make the decision based on what’s best for them, and not based on how other people view them, Dr. Schimpf says.
“People are going to think what they are going to think, and those who are the most critical of others often have many issues themselves,” he says. “If you try to do for yourself only what someone else thinks is reasonable, you’re not going to be happy.”
About Dennis Schimpf, MD, MBA, FACS
Dr. Dennis Schimpf (www.sweetgrassplasticsurgery.com) is the author of Finding Beauty: Think, See and Feel Beautiful, and the founder of Sweetgrass Plastic Surgery, a multi-faceted practice focusing almost exclusively on cosmetic plastic surgery of the face and body. He is board certified by the American Board of Plastic Surgery and American Board of Surgery and is a fellow of the American College of Surgeons (FACS), as well as a member of the American Society of Aesthetic Plastic Surgery (ASAPS) and the American Society of Plastic Surgery (ASPS).
