College Students
#12
08-29-2008, 12:28 AM
taking my cores at my community college cause a lot of family crap went down and i need to help out mom... then university of rochester for mech engineering... im trying my heart out to get into MIT though... seriously, dont laugh, but im pretty smart haha
#13
08-29-2008, 12:33 AM
I'm the exact opposite, I mean I can't wait to go back to school but sure as hell don't want to start in the real world, I want to stay in college for as long as possible and savor the moments I don't remember the next morning.
oh yeah, less the 25 days till I move into my house, it's gonna be a
I can't wait
oh yeah, less the 25 days till I move into my house, it's gonna be a
I can't wait
Thats ku you moving by yourself and is it a house or apartment?
im at waubonsee community college for Pre-med, overall a shitting school and im only there because i got screwed out of Michigan, so im here, my last year at WCC im not too fond of talking things over with 30 something single moms going for nursing, and no they're not MILFs.
Seriously good luck with that, but engineering is a lovely field so if you have love for it I am sure it will help you out
#14
08-29-2008, 12:36 AM
first off YounGMessiah, wow
my car had to stay behind at my actual house in nor cal thanks to my parents
my car had to stay behind at my actual house in nor cal thanks to my parents
#15
08-29-2008, 12:39 AM
my car had to stay behind at my actual house in nor cal thanks to my parents __________________
#16
08-29-2008, 12:41 AM
Oh okay but you still have it right?
Also I love Nor Cal never been there but love it....R.I.P. Mac Dre
screw that sur **** lol...but newayz wat is your major?
the rest of that **** didn't matter anyway. It's a house and I'm living with 11 other people and no it's not a frat (you'd be surprised how many people imediatly assume that I'm in a frat since I lve in a 12 person house). it's the Waterski/Wakeboard team house.
yeah they did that to me too for my first year, but since it's my second, my baby gets to come to school with me
yeah they did that to me too for my first year, but since it's my second, my baby gets to come to school with me
Last edited by YounGMessiah; 08-29-2008 at 12:45 AM.
#17
08-29-2008, 01:38 AM
Senior At Oregon State University. speech communications with an emphasis on management and negotiations.
I agree with CAB509. im a 5th year senior, coulda graduated last year, but i switched majors from business to my current degree, did the frat thing for a year, was cool, but not worth it to me, **** gets old fast.
I agree with CAB509. im a 5th year senior, coulda graduated last year, but i switched majors from business to my current degree, did the frat thing for a year, was cool, but not worth it to me, **** gets old fast.
#18
08-29-2008, 01:40 AM
then Penn State next week, then 2 sick games at home after that, hawaii and usc. cant wait. we'll be out drinking on western street before the game, theres a group of guys that sit out with signs "you honk, we drink" and we usually kick it back there with them in front of maple tree village.
#19
08-29-2008, 01:53 AM
What is an insurance underwriter
An underwriter determines the acceptability of insurance risks, based on the insurance company's guidelines and marketing strategy. The Underwriter reviews an agent's application submitted on behalf of a client, evaluates the information given, asks for additional information if necessary, and determines a price. In addition, the Underwriter determines that the risk is properly classified and evaluates the company's risk portfolio to determine that it is performing correctly. Underwriters determine the cost of insurance (the insurance premium) by analyzing the claims experience of the policyholder and the "book rates" as computed by an insurance actuary.
Underwriting is moving away from assessment of individual risk toward portfolio analysis, or looking at the entire book of business in a given town or geographic area and determining what works and what needs to be fixed to bring actual experience in line with company guidelines. This in turn has an impact on insurance rates and pricing of individual insurance policies. Underwriting is ultimately responsible for the growth and profitability of the insurance company.
Their duties include:
reviewing applications for insurance and comparing applications to loss experience and actuarial studies to determine if the applicant is an acceptable risk
evaluating future loss potential, e.g., catastrophic loss
insuring adequate pricing of insurable risks
preparing insurance quotation for insurance agents
assisting agents in responding to questions about the proposed coverage and rates
recommending declining an application if the proposed insurance cannot be underwritten as an acceptable rate or does not meet underwriting guidelines
There are many different types of underwriters. A corporate underwriter works from the insurer's home office and evaluates a portfolio of business based on known probabilities and statistics, and an evaluation of the human element. A field underwriter accepts, declines, or modifies applications for personal lines coverage submitted by insurance agents or brokers. A commercial lines underwriter does the same for commercial lines coverage. A specialist commercial lines Underwriter has a job outside the normal underwriter career path, and must have extensive experience in certain technical fields. A fidelity and surety bond underwriter analyzes situations that could lead to accidental loss and the obligations to be guaranteed by fidelity or surety bonds.
An underwriter determines the acceptability of insurance risks, based on the insurance company's guidelines and marketing strategy. The Underwriter reviews an agent's application submitted on behalf of a client, evaluates the information given, asks for additional information if necessary, and determines a price. In addition, the Underwriter determines that the risk is properly classified and evaluates the company's risk portfolio to determine that it is performing correctly. Underwriters determine the cost of insurance (the insurance premium) by analyzing the claims experience of the policyholder and the "book rates" as computed by an insurance actuary.
Underwriting is moving away from assessment of individual risk toward portfolio analysis, or looking at the entire book of business in a given town or geographic area and determining what works and what needs to be fixed to bring actual experience in line with company guidelines. This in turn has an impact on insurance rates and pricing of individual insurance policies. Underwriting is ultimately responsible for the growth and profitability of the insurance company.
Their duties include:
reviewing applications for insurance and comparing applications to loss experience and actuarial studies to determine if the applicant is an acceptable risk
evaluating future loss potential, e.g., catastrophic loss
insuring adequate pricing of insurable risks
preparing insurance quotation for insurance agents
assisting agents in responding to questions about the proposed coverage and rates
recommending declining an application if the proposed insurance cannot be underwritten as an acceptable rate or does not meet underwriting guidelines
There are many different types of underwriters. A corporate underwriter works from the insurer's home office and evaluates a portfolio of business based on known probabilities and statistics, and an evaluation of the human element. A field underwriter accepts, declines, or modifies applications for personal lines coverage submitted by insurance agents or brokers. A commercial lines underwriter does the same for commercial lines coverage. A specialist commercial lines Underwriter has a job outside the normal underwriter career path, and must have extensive experience in certain technical fields. A fidelity and surety bond underwriter analyzes situations that could lead to accidental loss and the obligations to be guaranteed by fidelity or surety bonds.
