Texas Auto Insurance Plan Association Requests 4.8% Commercial Rate Hike

The Texas Automobile Insurance Plan Association (TAIPA) has filed a request with the Texas Department of Insurance to charge new insurance rates for commercial automobiles. The filed rates represent a 4.8% increase in commercial automobile rates.

TAIPA proposed an effective date of March 1, 2021, for new and renewal business. TAIPA did not file new proposed rates for private passenger automobiles.

TAIPA is proposing changes in base rates for commercial vehicles that will generate an estimated overall change of +4.8% in commercial vehicle premiums. No changes are proposed to any territory or class rate factors.

Total Commercial Rate Change
Coverage Proposed Premium Change TAIPA Premium Distribution
BI Liability +5.0% .556
PD Liability +5.0% .400
PIP 0.0% .014
UMBI 0.0% 014
UMPD 0.0% .015
All Coverages +4.8% .999

The filing will be reviewed to determine whether TAIPA’s proposed rates are just, reasonable, adequate, not excessive, not confiscatory, and not unfairly discriminatory

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Experts question secrecy of Operation Warp Speed coronavirus vaccine plan

  • The White House is spending billions of dollars on Operation Warp Speed, a project to develop a coronavirus vaccine in record time.
  • But vaccine experts are increasingly critical of the project’s lack of transparency, and fear it may be rushing important clinical trials that test for safety and efficacy.
  • Even if vaccine trials are a success, the plan for how the government plans to distribute hundreds of millions of doses is unclear.
  • View more episodes of Business Insider Today on Facebook.

The White House’s multibillion effort to speed up the development of a coronavirus vaccine is coming under increased scrutiny from experts worried about how the money is being spent.

The Trump administration is hoping Operation Warp Speed will provide 300 million doses of a safe, effective vaccine by January 2021. It’s already directed more than $10 billion at the project since mid-May.

But pressure to get a vaccine out

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Business Plan, Business Planning, Strategic Planning, Venture Strategies, Working Capital, Cash Flow, Business Ideas, Financial Projections, Cash Flow Planning, Business Strategy, Strategic Planners, Strategic Plans, Mission Statements, New Ventures


  • Getting New Business Ideas: Considering
    strengths and weaknesses, getting and assessing ideas, and next
  • Devising Business Plan Strategies:
    Success and failure, existing strategies and future SWOTs, strategic
    combinations and statements, and next steps.
  • Developing a Strategic Business Plan: Key
    steps, hindsight plus cause & effect, SWOTs and planning
  • How to Write a Business Plan: Importance
    of strategy, preparatory work, planning to plan, outline of a
    business plan, and tips when writing.
  • Insights into a Business Plan:
    Scope of survey, overview of findings, lessons learnt, and detailed
    results and conclusions.
  • Preparing Financial Projections:
    Financial modeling with a computer, how models work, planning
    to plan, and tips & traps.
  • Making Cashflow Forecasts: Importance
    of cash, cash flow vs. profit, calculating cash flows, planning
    and the pitfalls, and improving cash
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Strategic Business Plan & Strategy Planning with Strategic Planners, Strategic Plans, Mission Statements, Vision, SWOTs, Strategies, Strategy Development



2. Characteristics of Successful

A successful emerging growth business is likely to display many of the
following characteristics:

  1. Sensibly financed (with prudent mix of equity and debt).
  2. Strong cash position (with access to follow-on or contingency funds).
  3. Offers above-average profitability (in terms of return on capital
  4. Aims for rapid growth in revenues (with profits lagging but in prospect).
  5. Targets expanding, or otherwise attractive, market segments.
  6. Develops a strong franchise or brand.
  7. Devotes substantial resources to innovation (R&D, offerings
    or market).
  8. Competes on non-price issues (e.g. quality, service, functionality).
  9. Very close to customers and responsive to their needs.
  10. Seeks specialist/leadership image with superior offerings.
  11. Well managed with high-grade staff & good people-management.

Behind every characteristic there should be an explicit strategy designed
to increase the

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Norwegian Air shares plummet as survival depends on rescue plan | Money

A Norwegian Air Boeing 737-800 is seen during the presentation of Norwegian Air first low cost transatlantic flight service from Argentina at Ezeiza airport in Buenos Aires, Argentina, March 8, 2018. — Reuters pic
A Norwegian Air Boeing 737-800 is seen during the presentation of Norwegian Air first low cost transatlantic flight service from Argentina at Ezeiza airport in Buenos Aires, Argentina, March 8, 2018. — Reuters pic

OSLO, April 14 — The shares of Norwegian Air plummeted today, and have now eroded almost their entire value from a 2015 peak, as the airline’s survival depends on creditors accepting a rescue plan proposed last week.

The shares slumped as much as 62.5 per cent as markets reopened after the Easter holidays. It was the first time they had traded since the airline outlined its rescue plan on April 8, which would convert US$4.3 billion of debt into equity, and raise some new equity – wiping out much of the remaining value of the company’s current shares.

The shares later regained some ground to trade at 5.8 crowns by 0917 GMT, down 29 per cent

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4-Step Action Plan to Strengthen Your Personal Skills

Only by discovering your innate, personal skills and developing and exploiting them to their highest degree can you utilize yourself to get the greatest amount of satisfaction and enjoyment from everything you do. Creating an action plan through personal strategic planning can give you the highest rewards for your efforts and is the starting point in getting the best out of yourself.

Corporate vs. Personal Strategic Planning

When we do strategic planning for corporations, we begin with the premise that the whole purpose of the exercise is to reorganize and reallocate people and resources to increase the rate of return on equity, or capital invested in the business. Invariably, this is done by emphasizing some areas and de-emphasizing others, by allocating more resources to areas with higher potential return and by taking resources away from those areas that represent lower potential returns. By developing or promoting newer and better products

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Business Plan Template (US) | LawDepot

While Business Plans may vary depending on the size and purpose of a business, they typically
include the following information.

Executive Summary

This portion of the plan introduces and summarizes your
company. Generally, it includes an overview of your company’s management structure (sole
proprietorship, partnership, corporation, Limited Liability Company, etc.), products or
services, company goals, current finances, and marketing strategies.
In short, your executive summary pitches your proposal to potential investors.

Business Description and Mission Statement

This is a brief rundown of your
business’s history, ownership, and purpose. A mission statement, also called a vision statement,
outlines who your target market and primary customers are, the area you serve (local, national,
or international), and the products and/or services that your business produces.

Product or Service

This section describes the product or service that your
business sells. The product description should highlight its unique features, any patents you
may have, and

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Writing Plans with Free Sample Template & Software, Business Planning, Business Planner, Business Plan Software, Business Plan Template, Sample Business Plan



Just as no two businesses are alike, so also with business plans. As
some issues in a plan will be more relevant to some businesses than to
others, it is important to tailor a plan’s contents to suit individual
circumstances. Nonetheless, most plans follow a well-tried and tested
structure and general advice on preparing a plan is universally applicable.

A business plan should be a realistic view of the expectations and long-term
objectives for an established business or new venture. It provides the
framework within which it must operate and, ultimately, succeed or fail.
For management or entrepreneurs seeking external support, the plan is
the most important sales document that they are ever likely to produce
as it could be the key to raising finance etc. Preparation of a comprehensive
plan will not guarantee success in

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Counting Money — Worksheets, Lesson Plan, Game, Kid, Activity




Money Skills Information:

through Kindergarten

First Grade

Second to
Third Grade

Fourth Grade



Teach and learn counting money with worksheets,
lessons, and lesson plans.  These lessons
and printable worksheets will help your students
master concepts of identifying and counting money. 




Kid – Special Education – Children – Preschool –

First Grade – Second Grade – Third Grade – Fourth



Teaching and learning how to use and identify coins and cents is an
important money skill to learn at an early age. These printable worksheets
and lessons will help your students master concepts of counting money with coins,
whether they are just beginning to learn to count coins, or if they need additional practice.

Worksheets are customizable for varying abilities and

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