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A 2009 study published by BCBSA found that the average administrative expense cost for all commercial health insurance products was represented 9.2% of premiums in 2008. Administrative costs were 11.1% of premiums for small group products and 16.4% in the individual market.
Say you earn an income of $2,000 a month. Following the 50/30/20 rule would mean allocating $1,000 to needs, $600 to wants and $400 to savings or high-interest debt. But if your monthly rent and ...
Zero waste. Zero waste, or waste minimization, is a set of principles focused on waste prevention that encourages redesigning resource life cycles so that all products are repurposed (i.e. “up-cycled”) and/or reused. The goal of the movement is to avoid sending trash to landfills, incinerators, oceans, or any other part of the environment.
Claims and loss handling is the materialized utility of insurance; it is the actual "product" paid for. Claims may be filed by insureds directly with the insurer or through brokers or agents . The insurer may require that the claim be filed on its own proprietary forms, or may accept claims on a standard industry form, such as those produced by ...
Interstellar travel is the hypothetical travel of spacecraft from one star system, solitary star, or planetary system to another. Interstellar travel is expected to prove much more difficult than interplanetary spaceflight due to the vast difference in the scale of the involved distances. Whereas the distance between any two planets in the ...
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As of 2012, a household consuming 20 m 3 per month and that has three "chargeable fittings" faces a water bill of S$32.5 per month and a sewer bill of S$15 per month, both including all taxes. The total of S$47.5 (USD 37.7) per month corresponds to S$2.38/m 3 (US$1.88/m 3 ).