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Author Topic: Avviso per caricamento tesine!!  (Read 3478991 times)

Bisaaftef

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common trust fund
« Reply #10635 on: September 25, 2012, 04:56:29 PM »
Chapter of the Bankruptcy Code that provides for court administered liquidation of the assets of a financially troubled individual or business. Full replacement policy. A homeowners policy that pays to replace, rebuild, or repair damaged property at the cost of replacing the property (up to the policy maximum). Terms 
Reinsurance - In effect, insurance that an insurance company buys for its own protection. The risk of loss is spread so a disproportionately large loss under a single policy doesn't fall on one company. Reinsurance enables an insurance company to expand its capacity; stabilize its underwriting results; finance its expanding volume; secure catastrophe protection against shock losses; withdraw from a line of business or a geographical area within a specified time period. Limited payment life insurance. Cash value life insurance on which premiums are paid for a specified number of years but the insurance remains in force for life. This means that a lien has been satisfied in full. 
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The amount which was most recently paid off a particular account. This is an amount reported by the creditor. Credit    A trust or a promise to pay later for goods or services purchased today. Tort - A private wrong, independent of contract and committed against an individual, which gives rise to a legal liability and is adjudicated in a civil court. A tort can be either intentional or unintentional, and liability insurance is mainly purchased to cover unintentional torts. 
Chapter of the Bankruptcy Code adopted to address the financial crisis of the nation’s farming community. Cases under this chapter are administered like Chapter 11 cases, but with special protections to meet the special conditions of family farm operations. An extension of time given in good will to a consumer or business which is already delinquent on a loan. A grace period gives the entity a chance to make the repayment, without foreclosure or default processes being started. Federal legislation that provides a specific error resolution procedure to protect credit card customers from making payments on inaccurate billings. 
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American International Underwriters Accounts in Good Standing: It means that all the necessary dues have been paid and the credit items have (current) positive status. This term reflects positive creditworthiness. Covers losses resulting from the malfunction of boilers and machinery.  This coverage is usually excluded from property insurance creating the need for this separate product. 
Deductible. The amount of covered charges an individual must pay before the insurance company begins payments. Insurance company can only require individual to pay 50% of the basic health services. Insurance Fraud Coinsurance - In property insurance, requires the policyholder to carry insurance equal to a specified percentage of the value of property to receive full payment on a loss. For health insurance, it is a percentage of each claim above the deductible paid by the policyholder. For a 20% health insurance coinsurance clause, the policyholder pays for the deductible plus 20% of his covered losses. After paying 80% of losses up to a specified ceiling, the insurer starts paying 100% of losses. 
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Discount Annual Fee: This is the annual fee that a credit card issuer charges for providing the privilege of owning and using a credit card. However, many credit card issuers provide cards with no annual fee. A contract between you and the insurance company. 
Successive Periods - In hospital income protection, when confinements in a hospital are due to the same or related causes and are separated by less than a contractually stipulated period of time, they are considered part of the same period of confinement. Exclusions. Specific conditions or circumstances listed in the policy for which the policy will not pay claims or benefits. Insurance Card

Bisaaftef

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dynamo clause
« Reply #10636 on: September 25, 2012, 10:40:37 PM »
Limits of Liability Account Condition Point-of-Service Plan - Health insurance policy that allows the employee to choose between in-network and out-of-network care each time medical treatment is needed. 
Personal Lines - Insurance for individuals and families, such as private-passenger auto and homeowners insurance. Default: Failure or unwillingness to repay a debt is called default. In case of late payment, the credit card issuer usually charges a very high interest rate on the outstanding balance, which is generally known as 'default rate' or 'penalty rate'. Bankruptcy Discharge: 'Bankruptcy discharged' refers to a court order that ends bankruptcy proceedings as old debt and hence releases the debtor from the responsibility of repaying certain types of debt. 
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Loss Control - All methods taken to reduce the frequency and/or severity of losses including exposure avoidance, loss prevention, loss reduction, segregation of exposure units and noninsurance transfer of risk. A combination of risk control techniques with risk financing techniques forms the nucleus of a risk management program. The use of appropriate insurance, avoidance of risk, loss control, risk retention, self insuring, and other techniques that minimize the risks of a business, individual, or organization. Pays damages for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense. This coverage is subject to the terms, limits and conditions of your policy contract. Mortality table. A statistical table showing the death rate at each age, usually expressed as so many per thousand. 
Personal Property Term Life Insurance - Life insurance that provides protection for a specified period of time. Common policy periods are one year, five years, 10 years or until the insured reaches age 65 or 70. The policy doesn't build up any of the nonforfeiture values associated with whole life policies. Loan Type: Loans can be of various types, such as home, personal, home equity and auto loans. The different types of loans vary in fees, interest rates, as well as tax deductibility of interest. 
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Insurable Interest User Authentication: The process of verifying, as well as validating, the identity of the credit card user. Online Banking: Also known as internet banking, it is a system that allows the consumers to carry out banking or financial transactions via the internet. 
Mechanical Breakdown Insurance Two types of forms are important in insurance: 1. pre-printed contracts that comprise your insurance policy, 2. questionnaires or coverage selection forms that a policyholder is required to fill out. An amount equivalent to the fair market value of the stolen or damaged property immediately preceding the loss. For real property, this amount can be based on a determination of the fair market value of the property before and after the loss.  For vehicles, this amount can be determined by local area private party sales and dealer quotations for comparable vehicles. 
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Residual disability benefits. Disability insurance policy benefits paid when the disabled individual returns to work and is able to earn only a portion of the former benefits. The benefits paid will bring the individual's total income up to the former benefit level. A claim for damage, loss or injury made by an insured. Adjustment 
Monthly Statement: An account statement that contains a detailed list of transactions that have taken place in a month, along with the service charges. It is usually mailed, or sent by electronic mail, to the customers every month. Premium Earned - The amount of the premium that as been paid for in advance that has been "earned" by virtue of the fact that time has passed without claim. A three-year policy that has been paid in advance and is one year old would have only partly earned the premium. Interest: It is the cost of borrowing or lending, which is expressed as an annual percentage of the principal or the total amount borrowed. Also known as 'interest rate' and 'interest charge', this rate is influenced by several factors including value of money, credit risk and inflation rate.

Bisaaftef

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additional insured
« Reply #10637 on: September 26, 2012, 04:34:48 AM »
Loss Ratio - The ratio of incurred losses and loss-adjustment expenses to net premiums earned. This ratio measures the company's underlying profitability, or loss experience, on its total book of business. Preferred Auto - Auto coverage for drivers who have never had an accident and operates vehicles according to law. Drivers are not a risk for any insurance company that writes auto insurance, and no insurance company would be afraid to take them on as risk. Charge-Off 
A GEICO-owned subsidiary that provides insurance through American International Underwriters. Account Condition Collection Account    Refers to the status of an account owed to a creditor when it has been transferred from a routine debt to a Collection Department of the creditor's firm or to a separate professional debt collecting firm. 
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The maximum amount a policy will pay, either overall or under a particular coverage. Exclusions. Specific conditions or circumstances listed in the policy for which the policy will not pay claims or benefits. A person or organization with a financial interest in property up to the amount of money borrowed or still owed on the property. 
Issue limits. The maximum disability benefit an insurer will pay any one individual. Qualified High-Deductible Health Plan - A health plan with lower premiums that covers health-care expenses only after the insured has paid each year a large amount out of pocket or from another source. To qualify as a health plan coupled with a Health Savings Account, the Internal Revenue Code requires the deductible to be at least $1,000 for an individual and $2,000 for a family. High-deductible plans are also known as catastrophic plans. Free-look period. The time you have to look at a policy and return it to the insurer for a full refund. 
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Person who pledges in writing as part of a credit contract to repay the debt if the borrower fails to do so. The account displays on both the borrower’s and the co-signer’s credit reports. Opt In Liability Investigation 
MARINE INSURANCE Accidental Death Benefit - In a life insurance policy, benefit in addition to the death benefit paid to the beneficiary, should death occur due to an accident. There can be certain exclusions as well as time and age limits. This is a judgement made by a court of law which was set aside by another court. If you appeal, you may find that the higher court vacates the previous court’s ruling. 
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Tradeline An assessment of whether or not a particular individual is worthy of receiving credit in the future. This is judged on an assessment of both your credit score, and the individual entries in your credit report. Co-maker 
Settlement: Also known as 'closing', it is the finalization of the sale of a property, wherein the ownership of that particular property is transferred from the seller to the buyer. The buyer is required to complete the formalities by signing the mortgage document and paying all the closing costs. 'Closing' or 'settlement cost' is the term used to refer to all the expenses, like, taxes, attorney's fees, origination fees, and some other costs, all of which are incurred during the transfer of the ownership of a property. Exists when an individual would suffer an economic loss as the result of damage to property or bodily injury. The price or cost of repairs agreed to by the AD (auto damage) adjuster or independent appraiser and the body shop representative.

Bisaaftef

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concurrency
« Reply #10638 on: September 26, 2012, 10:35:24 AM »
Assigned Risk (AIP) A signed agreement by a buyer or borrower, permitting a creditor to collect a certain portion of the debtor’s wages from an employer in the event of default. GEICO offers overseas insurance from American International Underwriters through GEICO's International Insurance Underwriters agency. 
Adjustment Because there are no transaction fees on a credit card, card issuers will usually require you to pay an account fee every 6 months (or yearly) to cover the cost of the service of the card. Depending on which type of card you have, the fee could be between $10 and $100. Item-specific Statement 
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Discharge Principal: The actual amount borrowed, which does not include the rate of interest. An alert added to your credit report which notifies you and potential creditors that your account has been subject to fraud in the past. This lets people know that bizarre entries or potentially incorrect entries may be present on the report. 
After-Market Parts Mutual life insurance company. A life insurance company whose board of directors is elected by its policy owners. The company issues, in general, participating policies. Health insurance that provides income payments to the insured wage earner when income is interrupted or terminated because of illness, sickness, or accident. 
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Fixed-Rate Mortgage: It refers to mortgage loans with fixed interest rate, i.e. interest rate which remains the same throughout the term of the loan. Residual disability benefits. Disability insurance policy benefits paid when the disabled individual returns to work and is able to earn only a portion of the former benefits. The benefits paid will bring the individual's total income up to the former benefit level. Voluntary Reserve - An allocation of surplus not required by law. Insurers often accumulate such reserves to strengthen their financial structure. 
Auto and Property Insurance for those living abroad is available from American International Underwriters through GEICO's subsidiary, International Insurance Underwriters. Interest Rate Cap: It is the maximum amount that can be charged as interest, and is generally imposed either by the credit card agreement, or the state and federal laws. Actual Cash Value 
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Wage Garnishment: A technique of debt recovery ordered by the court, where the lender can obtain a part of the monetary compensation, including salary, directly from the employer of the borrower, until the debt is repaid completely. Read about wage garnishment. Insured. The individual who is insured against loss for health, auto, life, home, etc. Pays medical expenses related to an automobile accident. This coverage is subject to the terms, limits and conditions of your policy contract. 
Auto Insurance provides protection from losses resulting from owning and operating an auto. The insurance covers losses to the insured's property and losses for which the insured is liable as a result of owning or operating an auto. Pre-Existing Condition - A coverage limitation included in many health policies which states that certain physical or mental conditions, either previously diagnosed or which would normally be expected to require treatment prior to issue, will not be covered under the new policy for a specified period of time. Attained Age - Insured's age at a particular time. For example, many term life insurance policies allow an insured to convert to permanent insurance without a physical examination at the insured's then attained age. Upon conversion, the premium usually rises substantially to reflect the insured's age and diminished life expectancy.

Bisaaftef

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book value
« Reply #10639 on: September 26, 2012, 05:05:07 PM »
Supplement/Supplemental Estimate A Chapter 12 Bankruptcy is defined in the Bankruptcy Code. This is specifically for use by farmers in a crisis situation – i.e. drought or feed famine. Many special conditions apply, and special protection is awarded. Credit Report    A record or file to a prospective lender or employer on the credit standing of a prospective borrower, used to help determine credit worthiness. 
Replacement Cost - The dollar amount needed to replace damaged personal property or dwelling property without deducting for depreciation but limited by the maximum dollar amount shown on the declarations page of the policy. Revolving Account: A type of account that requires regular payment of at least a minimum amount each month along with a service charge on the balance. The total balance on all revolving credit accounts is known as revolving balance. To terminate or cancel a life insurance policy before the maturity date. In the case of a cash value policy, the policyholder may exercise one of the nonforfeiture options at the time of surrender. 
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An option that permits the policy holder to buy additional stated amounts of life insurance at stated times in the future without evidence of insurability. An act or omission initiating an unbroken sequence of events resulting in injury to a person or damage to property. Activities of Daily Living - Bathing, preparing and eating meals, moving from room to room, getting into and out of beds or chairs, dressing, using a toilet. 
Liability Investigation Money that one party becomes legally obligated to pay to another party. Collision Insurance - Covers physical damage to the insured's automobile (other than that covered under comprehensive insurance) resulting from contact with another inanimate object. 
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Minimum Payment: The minimum sum required to be paid by the borrower to the credit card issuer An annual percentage rate that may change over time as the prime lending rate varies or according to your contract with the lender. Guaranteed renewable. A policy that is always renewable as long as premiums are paid. A company may raise premiums for all policyholders within a particular group. 
EXCLUSION Supplement/Supplemental Estimate Date Closed: The date on which an account or credit agreement is closed. 
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Balance-to-Limit Ratio: It is the ratio of the amount of credit being used to the total credit available and is used to calculate credit score. A low balance to limit ratio is considered as good for credit score as it implies low amount of debt and lots of available credit. Balance to limit ratio is also known as credit utilization ratio. This coverage waves your collision deductible if you are hit by an negligent uninsured motorist. COMMON CARRIER LIABILITY Coverage for transportation firms that must carry any customer's goods so long as the customer is willing to pay.  Examples include trucking companies, bus lines, and airlines. Auto and Property Insurance for those living abroad is available from American International Underwriters through GEICO's subsidiary, International Insurance Underwriters. 
Term rider. Term insurance that is added to a whole life policy at the time of purchase or later. Fair Credit Reporting Act    A federal law, established in 1971, and revised in 1997, which enables consumers to learn what information Credit Reporting Agencies have on file about them, and to dispute inaccurate data in the file. It also establishes specific permissible purposes for which credit reports may be requested, and places time limits on how long adverse information may be reported. Rider

Bisaaftef

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conditional binding receipt
« Reply #10640 on: September 27, 2012, 04:46:07 PM »
First-dollar Coverage. A hospital or surgical policy with no deductible. Card member: An individual who owns a card or who is authorized to use a card. Also called 'cardholder'. Introductory Period: This is the period in which introductory rate is applied on the outstanding balances of an account. The 'introductory rate' or 'teaser rate' is an interest rate that is lower than the standard interest rate that is usually charged by the credit card companies. This rate generally remains applicable only for the initial 6 to 12 months from the date of opening an account. 
DEPRECIATION A GEICO office staffed with GEICO employees where insureds and claimants bring their vehicles for damage inspections and estimates. Payment Status 
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Guaranteed insurability. An option that lets the policyholder buy more life insurance at stated times in the future without a medical exam. Instalment Credit Buydown: Buydown is the lump sum amount paid by a borrower or by a third party to the creditor in a bid to obtain lower interest rates, at least for some years. It is like a mortgage subsidy, but a temporary one. 
Bank Credit: The borrowing capacity or credit provided to a customer by the banking system. The theft of an auto is a type of loss that is covered under comprehensive coverage. Account Monitoring: This refers to the regular monitoring of credit reports of borrowers by lenders or creditors, in order to manage their financial risk. The credit report of a borrower is scanned on a regular basis to look for the presence of certain risk characteristics, as defined by the lenders. 
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Cashing: Cashing or 'PIN cashing' is a form of carding where illegally obtained credit or debit card information is used to draw cash from another individual's credit line or account. Driver Training Discount Indicates that a loan is registered with Mortgage Electronic Registration Systems Inc., which tracks the ownership of mortgage rights. This number will follow the homeowner throughout the mortgage. 
Liability Investigation Original Amount S Loss - Any provision in a policy designed to cut off an insurer's losses at a given point. 
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Transactor: It is a term used for the card holder who carries out transactions by using credit a card. Buydown: Buydown is the lump sum amount paid by a borrower or by a third party to the creditor in a bid to obtain lower interest rates, at least for some years. It is like a mortgage subsidy, but a temporary one. Renters Insurance 
Capital - Equity of shareholders of a stock insurance company. The company's capital and surplus are measured by the difference between its assets minus its liabilities. This value protects the interests of the company's policyowners in the event it develops financial problems; the policyowners' benefits are thus protected by the insurance company's capital. Shareholders' interest is second to that of policyowners. Provides high limits of additional liability coverage above the limits of your homeowners and auto policy. In addition, it provides coverage that may be excluded by other liability policies. If you are declared bankrupt under Chapter 13, an adjustment is the amount (expressed as a percentage) which you will still have to repay to your creditors.

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capital surplus
« Reply #10641 on: September 27, 2012, 10:34:02 PM »
Reverse Mortgage: Also known as lifetime mortgage, reverse mortgage is a special type of home equity loan for seniors, especially those who are 62 years of age or older. Reverse mortgage allows senior individuals to take loan against the value of their home, or convert a part of home equity to multiple annual payments, or one lump sum payment. The repayment can be postponed till the death of the owner or until the property is sold. Coverage providing four types of benefits (medical care, death, disability, and rehabilitation) for employee job-related injuries or diseases as a matter of right (without regard to fault). Installment Loan    A credit account in which the amount of the payment and the number of payments are predetermined or fixed. 
Adjustable life insurance. Insurance that lets the policyholder change the plan of insurance, raise or lower the face amount of the policy, increase or decrease the premium and lengthen or shorten the protection period. Authorized Transaction: An approved transaction. Office of Thrift Supervision: Office of Thrift Supervision acts as the controller of federal and state savings and associations, as well as companies. 
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* having a dead battery re-charged Dispute Account Review: It refers to the act of reviewing the credit history of a consumer by a creditor or lender. 
Customary and reasonable. A charge that does not exceed the regular or normal charge for a given service in a locality where it is provided. Independent Insurance Agents & Brokers of America (IIABA) - Formerly the Independent Insurance Agents of America (IIAA), this is a member organization of independent agents and brokers monitoring and affecting industry issues. Numerous state associations are affiliated with the IIABA. Obligee - Broadly, anyone in whose favor an obligation runs. Frequently used in surety bonds, this refers to the person, firm or corporation protected by the bond. 
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Special Investigation Units Conditional Reserves - This item represents the aggregate of various reserves which, for technical reasons, are treated by companies as liabilities. Such reserves, which are similar to free resources or surplus, include unauthorized reinsurance, excess of statutory loss reserves over statement reserves, dividends to policyholders undeclared and other similar reserves established voluntarily or in compliance with statutory regulations. Compound Interest: It is the interest rate that is calculated by adding the accumulated interest of prior periods to the principal amount so that the previous interest amount that has been added can also earn interest. Know more about how to calculate compound interest. 
Secured Credit or Loan: A credit or loan, for which a property has been pledged as collateral or security, so that the lender can claim this property in case of default. Mortgage loan is an example of a secured loan or credit. Know more about secured debt. Mandatory Binding Arbitration: This is a contract clause which requires the card holder and the card issuer to opt for out of the court settlement of dispute before an arbitrator. This clause eliminates the right of a credit card holder to sue the card issuer. Garnishment: A legal process that grants a creditor the judgment on a debt, to receive full or partial payment, by taking possession of a portion of a debtor's assets. Find out more about wage garnishment. 
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Underwriter - The individual trained in evaluating risks and determining rates and coverages for them. Also, an insurer. POLICY LIMIT An amount equivalent to the fair market value of the stolen or damaged property immediately preceding the loss. For real property, this amount can be based on a determination of the fair market value of the property before and after the loss.  For vehicles, this amount can be determined by local area private party sales and dealer quotations for comparable vehicles. 
Annuitization - Process by which you convert part or all of the money in a qualified retirement plan or nonqualified annuity contract into a stream of regular income payments, either for your lifetime or the lifetimes of you and your joint annuitant. Once you choose to annuitize, the payment schedule and the amount is generally fixed and can't be altered. The process of gathering information to determine the cause of an accident. GEICO helps fight fraud through its special investigation unit, staffed with experts in fraud detection and investigation.

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« Reply #10642 on: September 28, 2012, 03:56:49 AM »
Most Recent Date: The most recent date on which account information have been updated. Expired Card: A card with an encoded or printed expiration date that has passed. Interest-Crediting Methods - There are at least 35 interest-crediting methods that insurers use. They usually involve some combination of point-to-point, annual reset, yield spread, averaging, or high water mark. 
Floor: Floor or interest floor is the minimum annual percentage rate that is set by the card issuer to be charged on variable credit cards. An individual who acts as a representative for the company and sells insurance, usually on a commission basis. This individual could be an 'exclusive' or 'non-exclusive' agent. SR-22, Certificate of Financial Responsibility (CFR) 
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Credit Company or Issuer: A company or institution that provides a line of credit through a card called credit card. The institution can be a bank, a credit union, department store or savings and loan associations. Know more about credit card companies. All credit cards, loans, and debts have transaction fees associated with them. These are essentially the costs of having the loan outstanding at any one time. Transaction fees can also be affected by the amount of the loan, and the finance company which advances the loan. A not-for-profit organization that partners with insurers and law enforcement agencies to facilitate the identification, detection, and prosecution of insurance criminals. The NICB receives support from over 1,000 property/casualty insurance companies. 
Insurance S-loss Provision. A provision under which an insured pays a certain amount of coinsurance after which the insurance company pays 100 percent of the remaining covered expenses. Income Taxes - Incurred income taxes (including income taxes on capital gains) reported in each annual statement for that year. 
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Credit History: A record that throws light on the past borrowings and repayment history of an individual or business. This record is of great help to the creditors in determining whether or not to provide credit to a particular customer or business. Find out more information about credit history. Medical Payments Coverage Collateral: Any property that can be offered as security, to obtain a loan or credit. In the case of default or inability to repay the debt according to the agreement, the property offered as collateral becomes subject to seizure by the creditor. Collateral is also known as 'security'. 
An electronic version of your bill that you can review online. Everyone who has registered to use GEICO's Policyholder Service Center can choose to receive eBills. * being locked out of your car Arbitrage: Arbitrage is the act of taking advantage of the price difference that can exist between two markets to make profit. It can involve taking a loan at a low or minimal interest rate and depositing it in savings account that gives a high rate of interest. So, the amount that he receives as interest payment from his savings account is higher than the amount he has to pay for taking the loan and this difference is the profit. A person who engages in arbitrage is known as 'arbitrageur'. Know more about arbitrage trading. 
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Credit Freeze: Credit freeze or credit report freeze is a facility which allows the consumers to ask the credit bureaus to stop releasing their credit history information to financial institutions and merchants and freeze their credit reports. This is usually done when identity theft has occurred or is suspected. It also prevents the opening of new accounts until consumer make a request to release the freeze. The credit bureaus usually charge fees for both putting a freeze and withdrawing it, except in cases where identity theft has been established. Federal law, which prohibits creditors from discriminating against credit applicants on the basis of sex, marital status, race, color, religion, age, and/or receipt of public assistance. Item-specific Statement: A term used to refer to the statement or explanation offered by the consumer to a particular public record item or account in his or her credit report. The consumer can add only one item-specific statement per item. It is also known as a 'consumer statement' and is among the important credit report terms. 
Generation identifiers are Jr., Sr., II, III, IV, etc. Term used to refer to an insured. Appraisal

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« Reply #10643 on: September 28, 2012, 09:29:10 AM »
Insurance Fraud A court order which allows the creditor to repossess an asset, which was used as security for a loan, due to the failure to repay that loan. File-and-Use Rating Laws - State-based laws which permit insurers to adopt new rates without the prior approval of the insurance department. Usually insurers submit their new rates with supporting statistical data. 
Potentially Negative Items Debt-to-income Ratio: A ratio obtained by dividing the monthly debt payment obligation of a borrower by his or her gross monthly income. This ratio is usually expressed as a percentage, and hence shows what percentage of the monthly gross income would go towards debt repayment. More about debt ratios and how to calculate debt-to-income ratio. Qualified Versus Non-Qualified Policies - Qualified plans are those employee benefit plans that meet Internal Revenue Service requirements as stated in IRS Code Section 401a. When a plan is approved, contributions made by the employer are tax deductible expenses. 
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Federal Funds Rate: It is the interest rate that is set by the Federal Open Market Committee of the Federal Reserve Board. Big 3: Equifax, Experian and TransUnion are the three largest credit reporting companies and they are generally referred to as 'Big 3'. Malicious Mischief 
The act of falsifying or exaggerating the facts of an accident to an insurance company to obtain payment that would not otherwise be made. Common types of insurance fraud are staged accidents, exaggerated injuries, and inflated medical bills. Electronic Funds Transfer (EFT) When an insurer decides not to renew a policy at the end of its policy period. 
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Underwriting. Classifying applicants for insurance according to their degrees of insurability so that the appropriate premium rates may be charged. Driver Training Discount This refers to the debt repayment terms of your agreement with a creditor, such as 60 months, 48 months, etc. 
Automatic premium loan. A provision in a life insurance policy that any premium not paid by the end of the grace period (usually 31 days) is automatically paid by a policy loan if there is sufficient cash value. Co-payment. An amount insured must pay in order to receive a service, which is not fully prepaid. MATERIAL MISREPRESENTATION 
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Fair Debt Collection Practices Act (FDCPA): A federal law that prohibits certain methods employed for collecting debts. It mainly prohibits abusive, unfair and deceptive debt collection practices. Information which is not kept confidential on your credit report – i.e. anyone who enquires can see it. This information includes tax liens, lawsuits, and debt related judgements. Prepayment Penalty: As the name suggests, it is the fee or penalty for paying off a loan before the due date. This is charged by the lender to compensate for the loss of interest payment that the loan would have paid for the full term. 
Coverage for loss of or damage to a building and/or contents due to fire. Preferred Auto - Auto coverage for drivers who have never had an accident and operates vehicles according to law. Drivers are not a risk for any insurance company that writes auto insurance, and no insurance company would be afraid to take them on as risk. Amount for which you are legally obligated to a creditor.

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« Reply #10644 on: September 28, 2012, 03:16:50 PM »
The determination of a court upon matters submitted to it. A final determination of the rights of the parties involved in the lawsuit. Withdrawn On the credit report, this indicates the current status or state of the account. 
The outcome of a particular court action. The judgement granted is the final say by the judge, and is binding on any parties involved. Compound Interest: It is the interest rate that is calculated by adding the accumulated interest of prior periods to the principal amount so that the previous interest amount that has been added can also earn interest. Know more about how to calculate compound interest. An incorrect estimate of the insurance premium. 
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All consumers are fully entitled to opt out of the pre-screened mailing lists on their request. If you do no longer want to receive such information, simply contact your credit reporting agency and opt out. Cash Card: A type of plastic card with a set amount of value, which can be used by the cardholders to draw money from ATMs. Some card issuers also provide the facility of making purchases with a cash card. A cash card is quite different from a check card in the sense that it is not connected with the bank account of an individual. See Competitive Auto Repair Parts. 
Past Due: Payments not made on due date. Overseas Insurance * having a dead battery re-charged 
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BROKER Interchange Fee: It is the charge paid by the merchants to the credit card processors for accepting credit cards. It is also known as a 'discount rate'. Personal Injury Protection - Pays basic expenses for an insured and his or her family in states with no-fault auto insurance. No-fault laws generally require drivers to carry both liability insurance and personal injury protection coverage to pay for basic needs of the insured, such as medical expenses, in the event of an accident. 
Credit accounts in which the debt is divided into amounts to be paid successively at specified intervals. Available to policyholders who insure more than one vehicle at the same location. Linked Transfer Account: An account in which the checking account of a consumer is linked to another account at the same bank. Both savings and credit card accounts can be linked to a checking account, so that whenever overdraft occurs in the checking account, funds can be transferred from the linked account to the checking account. 
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An estimate of the cost of insurance, based on information supplied to the insurance company by the applicant. Staff adjuster who handles claims in remote areas of a region. Multi-Car Discount 
Skimming: Stealing credit card information with an electronic device, which is then transferred to another card. It can be done either by placing the skimming device on the top of a regular credit card reader, or by swiping the card through an electronic device that can copy the information on the credit card. Federal law, which prohibits creditors from discriminating against credit applicants on the basis of sex, marital status, race, color, religion, age, and/or receipt of public assistance. Issuer Identification Number (IIN): The first six digits of a credit card's numbers are known as issuer identification number, as they help to identify the particular issuer of the card.

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Because it is a mixture of two drugs, loteprednol/tobramycin belongs to a class of eye medications known as "ophthalmic combinations". 
If it is difficult using the hands an occupational therapist can recommend new ways of doing things or devices to make tasks easier. 
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Forget about the instructions given for other products and the advice of friends. 
This response has been attributed to inhibition of renal prostaglandin synthesis. 
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If HPA axis suppression or elevation of the body temperature occurs, an attempt should be made to withdraw the drug, to reduce the frequency of application, substitute a less potent steroid, or use a sequential approach when utilizing the occlusive technique. 
Reducing emotional and physical stress may help. 
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Lymph nodes and the diaphragm are also shown. 
IN THIS ARTICLEHand Injury OverviewHand Injury CausesHand Injury SymptomsWhen to Seek Medical CareExams and TestsHand Injury TreatmentSelf-Care at HomeMedical TreatmentNext StepsFollow-upPreventionOutlookSynonyms and KeywordsAuthors and EditorsWhen to Seek Medical CareAnyone with a hand injury should consider calling a doctor or seeking medical attention.

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Patients should be managed by symptomatic and supportive care following an NSAID overdose. 
The following reactions that occurred with greater frequency among the 49 patients assigned to selegiline as compared to the 50 patients assigned to placebo in the only parallel, placebo controlled trial performed in patients with Parkinson’s disease are shown in the following Table. 
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With either a DAY 1 START or SUNDAY START, 1 tablet (light yellow) is taken each day at the same time for 21 days. 
One interesting example is provided by the widely publicized case of the Romanov family. 
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No dosage adjustment is necessary in patients with a creatinine clearance ≥ 30 mL/min or in the elderly. 
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The clinical significance of these changes is unknown. 
The most common signs and symptoms associated with non-fatal overdosage were seizures, somnolence, nausea, tachycardia, and vomiting.