Archive for the ‘Insurance’ Category

Selecting Your Business Insurance In Cromwell, Ct

Friday, November 2nd, 2018

byAlma Abell

Running a business without business insurance is “bad business”, for lack of a better term. In fact, no business needs to be run without business insurance, simply because you don’t want to run the risk of losing everything you personally own just because you don’t have insurance. There is an insurance agency who sells business insurance in Cromwell, CT who wants to tell you about some business options available for you.

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The running of your business, if you are going to see any success at all, takes a significant amount of time and money. By getting business insurance, you minimize the risk of losing your investments from unexpected events such as a partner’s demise, a natural disaster, a lawsuit or an employee who gets injured. Any or all of these may wipe you out immediately without insurance. Although business insurance is not a requirement, it is a necessary buffer to ensure your assets. You should have liability insurance which will cover your business in the event of losses. However, most states require a business with employees to purchase for its employees, three types of insurances: workers’ compensation insurance, unemployment insurance and state disability insurance.

There are several business insurance options from which to choose such as general liability, which covers the general legal hazards of running a business, product liability, which protects you against injurious harm due to your product, or professional liability if you are providing services. There are also commercial property insurances which cover everything dealing with the loss and damage of company property, and home-based business insurance, which is not to be confused with homeowners’ insurance.

All of these options and other business insurance needs can be handled by Rice, Davis, Daley, & Krenz, Inc. of Middletown, CT. The company offers businesses their expertise in insurance services and will explain the variety of options available to them. They also provide services in personal insurance such as auto insurance or home insurance. They offer life and health insurance options for groups, families and individuals. Find out more about business insurance in Cromwell, CT, offered by RDDK, by visiting them at their location or at their website.

C2090 136 Pdf Training Guides}

Wednesday, October 25th, 2017

Submitted by: Jennifer Cheek

Question: 1

What are the stages to the IBM Big Data & Analytics Maturity Model?

A. Novice, Builder. Leader, Maste

B. Initial, Repeatable, Defined, Managed, Optimizing

C. Ad Hoc, Foundational, Competitive, Differentiating. Breakaway

D. Descriptive Analytics, Diagnostic Analytics, Predictive Analytics, Prescriptive Analytics

Answer: C


Reference: (See the table).

Question: 2

What is a use case example for the Transform Financial Processes business imperative?

A. Portfolio optimization in the banking industry.

B. Customer data monetization in the media and entertainment industry

C. Distribution load forecasting and scheduling in the energy and utility industry

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D. Utilizing telematics to price risk and monitor exposure in the insurance industry.

Answer: D

Question: 3

Which statement is true when dealing with traditional and non-traditional data sources?

A. Real time analytics is necessary to effectively leverage these data sources

B. Traditional data sources are not included in the big data scope because it would require duplicate copies of the same data

C. Big data tools and methodologies increase the scope, level of detail, or a time period of data that can be effectively analyzed.

D. Traditional data sources are included in the big data scope only if they are correlated with new types of data collected from outside the enterprise

Answer: C

Question: 4

A police department needs to identify crime patterns by time and location so that the department is able to pinpoint hot spots of activity and better deploy police resources to deter crime Which strategy can this police department use?

A. Hire a team of data scientists to analyze 911 emergency call data.

B. Build real time crime dashboards from computer aided dispatch and 911 emergency call data.

C. Build a predictive model to analyze crime patterns lo develop effective strategies for reducing crime rates while optimizing police resources

D. Store all the historical crime, computer aided dispatch, and 911 emergency call data into a big data platform first, then predict crime pattern using this single source.

Answer: D

Question: 5

The Fair Information Practice Principles methodology recommends using personal information only for the purposes that are specified when collecting that information. What aspect of security is required to support this principle?

A. Database activity monitoring

B. Encryption scrambles sensitive data so that only authorized users can see the clear text information.

C. Data masking substitutes real data with realistic looking fictitious data to minimize the risk of exposure.

D. Auditability of where the data came from is needed to track which data was collected for what purpose

Answer: B


They can limit access within their company to only necessary employees to protect against internal threats, and they can use encryption and other computer-based security systems to stop outside threats.

Reference: (see the point #04).

Question: 6

Which item is a key benefit of IBM InfoSphere Biglnsights (Biglnsights} over other Hadoop distributions?

A. Biglnsights provides POSIX-compliantfile connectors to files inHDFS.

B. Biglnsights provides a more robust and extensive columnar storage engine.

C. Biglnsights provides more comprehensive security capabilities using Kerberos.

D. Biglnsights provides built-in spreadsheet, SQL, and Text Analytics for processing data within Hadoop.

Answer: C


BigInsights also supports Kerberos service-to-service authentication protocol, increasing security strength to prevent middle man attacks.


About the Author: Test Information: Total Questions: 58 Test Number: C2090-136 Vendor Name: IBM Cert Name: IBM CERTIFIED SOLUTION ADVISOR Test Name: Foundations of IBM Big Data & Analytics Architecture V1 Official Site:

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5 Things You Didn’t Know Affect Your Auto Insurance Rates}

Thursday, October 5th, 2017

5 Things You Didn’t Know Affect Your Auto Insurance Rates


Jordan Rocksmith

Most people understand that a bad driving record tends to increase your auto insurance premiums. That’s one of the many reasons why it makes sense to avoid getting caught speeding or causing a car accident of any kind. But did you know that there are at least 5 other things that affect auto insurance in Massachusetts or wherever you live?

Your Age and Marital Status

It may not be fair, but married people really do get preferential treatment when it comes to insurance rates. For some reason, your premium will go down after you get hitched to your partner. It could be that married people are considered to be more responsible in general by the insurance company, but nobody really knows. While lower insurance premiums are a nice bonus, that doesn’t mean you need to get married tomorrow.

Age is another tricky business with insurance companies. You don’t want to be too young or too old. If you’re under 25, then your rates will probably be fairly high, especially if you’re closer to the age of 16 than 25. On the other hand, once you hit the big 50, then your insurance rates might go up because you’re considered a higher risk behind the wheel. Does this always make sense? No.

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Your Home Address

Part of your insurance premium is supposed to cover your losses in case of theft or vandalism. That’s why it matters where you live (and sometimes even where you work). Moving down the street will probably not affect your rates, but if you move across town, you might see your rates increasing or decreasing.

The difference is especially noticeable when you move to a different state. In addition, there are some cities that are more expensive than others (and not just for car insurance).

Your Annual Mileage

The more you drive, the more wear and tear is put on your car. But insurance companies aren’t necessarily worried how long your car will last. Instead, the increased mileage just increases your chance of getting into an accident. This is logical. The more you drive, the more likely you are to get hit or cause a crash.

If your annual mileage changes dramatically, then you need to let your insurance company know to keep your coverage current and up to date.

Your Insurance Status

Your car insurance policy doesn’t necessarily have anything to do with your other insurance policies, but your insurance status can affect your total premiums. For example, if you purchase homeowner’s and car insurance from the same company, you can often get a discount. And if you already have health insurance, then you may be able to deduct that coverage from your auto insurance to lower your total premium.

Your Credit Score

Technically, there is no relationship between your credit score and your auto insurance rate. But unfortunately, the two are tied together. If you have a very low credit score, then your car insurance premiums might increase. If your credit score is good, then you have nothing to worry about.

How to Get Great Rates

In order to get better car insurance rates, you have to be a savvy shopper. By combining insurance policies together that you’d be getting anyway, you can often realize significant savings. Before you move to a new neighborhood, you can get insurance quotes. This might even give you an idea of how safe the neighborhood is.

But the biggest determining factor when it comes to your auto insurance in Massachusetts or wherever you live is the type of car you drive. A newer, more expensive car is going to cost more to insure than an older vehicle. Therefore, you should always get a quote before you buy a car.

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5 Things You Didn’t Know Affect Your Auto Insurance Rates