Car Insurance Ratings
Patrick Joseph Kennedy, the U.S. representative for Rhode Island’s First District, is, in many respects, exactly what one would expect of a young Kennedy: committed to progressive policies, haunted by an often-scandalous personal life, and full of the swagger that comes with membership in the country’s longest-lasting political dynasty—he is the son of Ted Kennedy and the nephew of John F. Kennedy and Robert Kennedy.
“I don’t need Bush’s tax cut,” he told a group of Young Democrats in 2003. “I have never worked a fucking day in my life.”[1] (According to CBS News, Kennedy’s office later called the comment “a self-deprecating joke that fell flat.”[2])
In fact, Kennedy has had a long career of government service, propelled in part (as Kennedy will admit[3]) by his family name. He was elected to the Rhode Island station house in 1988 when he was honest 21 years feeble and still a student at Providence College.[4] He rose to prominence in Providence where he chaired the House Rules Committee and sponsored a bill that required a seven-day wait to purchase firearms. He was re-elected twice.[5]
In 1994, at the age of 27, Kennedy was one of only six Democrats elected to Congress as Newt Gingrich’s Contract With America gave Republicans a strong advantage. At the time of his election, he was Congress’s youngest member.[6] The pace of Kennedy’s successes in Washington was as meteoric as it was in Providence. In 1999, he was selected by House leadership to serve as the chairman of the Democratic Congressional Campaign Committee, the main fundraising body for Democratic House members, and (buoyed by support for Democrats after the Republicans’ unpopular impeachment proceedings) Kennedy raised about $100 million for the 2000 election cycle—more than twice as much as the DCCC raised in 1998.[7] He was rewarded for this achievement with a seat on the influential Appropriations Committee, the committee responsible for budget allocations.
But Kennedy’s achievements—like those of his father, Ted—were tempered by his personal foibles. While attending the prestigious private high school Phillips Andover, Kennedy became addicted to cocaine and enrolled in a rehab facility.[9] In 2006, Kennedy was involved in two car accidents and, after allegations of drunk driving, he admitted to an Oxy Contin addiction and to problems with depression, alcoholism, and substance abuse. He has also shared how he has been diagnosed with bipolar disorder.[10] Kennedy paid a settlement of $25,000 to a Los Angeles airport security guard who accused him of assault.[11] Kennedy also received public scrutiny after “The Providence Journal” reported that the Coast Guard had to escort a female companion of Kennedy’s off his yacht after a fight.[12] Kennedy was also accused of causing tens of thousands of dollars to a rented yacht and refusing to pay for the damages.[13] While Kennedy remains popular in his district and routinely wins more than 60 percent of the vote[14], these personal shortcomings may have led to his decision not to run for Senate or another higher office.
However, within his district, Kennedy remains popular and he has been able to exhaust his drug and alcohol problems to his advantage electorally. “The additional press I have gotten from this has obviously given me a bigger platform,” he told The Boston Globe in 2006.[15] The Globe further reported, “when voters in the First Congressional District are asked how they feel about their congressman being on one year’s probation, they praise him for being in recovery.”[16]
This willingness to forgive and see their congressman in a positive light is not complete altruism on behalf of Kennedy’s constituents. Kennedy has brought home many barrels of pork to his district—his seat on the Appropriations Committee helped him win $80 million of federal money for his district in 2006 and more than $650 million between 2001 and 2006[17]—and his political ideology is well aligned with his affluent, liberal district.
The First is the denser of Rhode Island’s two districts and traces the state’s coast and the border with Massachusetts. It includes the small-sized cities (pop. 40,000 to 75,000 each) of Pawtucket, Woonsocket, and (fragment of) the capital, Providence. It is historically an state of heavy manufacturing and the industry is still is a mountainous employer in the southern part of the district. In Providence, Brown University and Providence College (Kennedy’s alma mater) are large employers. Raytheon, a maritime defense contractor, and a Naval station in Newport are also large employers. The principal industry, however, is health care. Of the First’s top 13 employers, five are hospitals and one is CVS Pharmacy, Inc.[18]
While the shrimp, rich coastal hamlets tend to vote Republican, the “students and government workers push the First’s political lean to the left.”[19] Sixty percent of voters in the district are registered Democrats and 35 percent are registered Republicans. But the district has gone for Republican governors and senators in the recent past—Republican Senator Lincoln Chaffee won the district’s vote in 2000. Racially, the First is rather homogenous—80 percent of the district was white in 2000. Like Kennedy, the majority of the district is Roman Catholic.[20]
With his emphasis on health care, civil rights, and economic equality issues, Kennedy is squarely in agreement with his mainstream Original England district. He is a pragmatic liberal and, in 2002, he voted—at odds with his father, Ted, and the liberal sail of the Democratic Party—to authorize the Iraq war.[21] (The importance of defense contracting in his district may have played a roll in this; in 2006, Raytheon was his fourth largest donor.[22]) But, for the vast majority of votes and issues, Kennedy has sided with the party orthodoxy. Kennedy voted with the Democrats on civil liberties issues; he has voted to ban torture, to block FBI access to library records, and to disallow warrantless wiretaps. From 2003 to 2006, the nonpartisan Congressional Quarterly reported that Kennedy voted with his party 96 percent of the time.[23]
On foreign policy, Kennedy has migrated away from his initial support for the Iraq war. In 2006, Kennedy voted “No” to “affirm U.S. commitment to war in Iraq and reject setting a withdrawal date for troops.”[24] He has also voted against selling civilian nuclear technology to India and against the construction of a physical barrier on the U.S.-Mexico border.[25]
These positions, in part, have helped him maintain the strong support of his district. After defeating his Republican opponent in 1994 with 54 percent of the vote, Kennedy has won his reelection bids with at least 60 percent. In 2006, he won 69 percent of the First’s vote—almost three times as many votes as his Republican rival, Jonathan Scott.[26]
Kennedy’s popularity has allowed him to cut a wide path for himself in Congress and follow areas of legislation in which he has had personal experience. One such area, mental health legislation, lies at the bad roads of his personal battle with addiction and his district’s emphasis on health care. According to his Web site, “he has led the fight to pass mental health parity in the House, ending discrimination in health insurance.”[27] He has fought to classify substance abuse as mental illness for insurance purposes, and he has proposed legislation that would change the name of the National Institute on Alcohol Abuse and Alcoholism to the National Institute on Alcohol Disorders and Health.[28]
Another legislative policy that Kennedy has focused on, also derives from personal experience. He has been a crusader for limiting assault weapons and for imposing more stringent restrictions on who can obtain firearms. In his efforts for this legislation, he has summoned the memory of his uncles John and Robert, who were killed by firearms. “Families like mine know all too well what the damage of weapons can do,” he said in a floor speech to Congress in 1996.[29] He has sponsored legislation to “strengthen and reauthorize the assault weapons ban.”[30]
Many of the bills that Kennedy sponsored are of the banal variety: related to symbolic gestures for his district and for the health care industry. He has moved to designate a “National Health Information Technology Week,” a “National Health Information Technology Week,” and a “School Social Work Week.” He has proposed a bill that would “establish a program to provide financial incentives to succor the adoption and use of interactive personal health records” and one to “amend the Public Health Service Act to establish a program of grants for the detection and control of colorectal cancer.”[31] Kennedy, in the habit of the House, has chosen to specialize in one issue—health care—and focus on legislation related to it.
In the mid-1990s Patrick Kennedy was a political phenom blessed with a famous surname and the same progressive policies and promising future that his father and uncles brought to Washington a generation prior. His personal demons played a roll in curbing his ambition to higher office. But he has come to terms with his problems and has parlayed his life experiences to his advantage: he has gained the sympathy and—more importantly—the respect of his district by addressing his problems head on. Aided in no tiny part by his ability to bring hundreds of millions of dollars in federal money, he has become a popular congressman destined to benefit his district for as long as his father has served as senator of Massachusetts.
[1] Lynch, Dotty. “Washington Wrap.” CBS News. June 27, 2003.
[2] Ibid.
[3] “When we’re going around the country, [the Kennedy name] helps get your calls returned,” he said. He also “rewarded major donors with visits to the family’s fabled compound in Hyannis Port, Mass. “—
“Rep. Patrick J. Kennedy.” CQ’s Politics in America 2008. 2007. CQ Press: Washington, DC. p. 893.
[4] Ibid.
[5] “About Patrick J. Kennedy.” Representative Patrick J. Kennedy. Retrieved 15 September 2008.
[6] “Rep. Patrick J. Kennedy.” CQ’s Politics in America 2008. 2007. CQ Press: Washington, DC. p. 893.
[7] Rep. Patrick J. Kennedy, op.cit., p. 893.
[8] Ibid, p. 892.
[9] “Approval Ratings Fall for Rhode Island Rep. Kennedy.” Fox News. April 19, 2001. Retrieved 15 September 2008.
[10] Miga, Andrew. “Rep. Patrick Kennedy Enters Drug Rehab.” Associated Press. May 5, 2006.
[11] Approval Ratings Descend for Rhode Island Rep. Kennedy, op. cit.
[12] Ibid.
[13] Approval Ratings Fall for Rhode Island Rep. Kennedy, op. cit.
[14] Rep. Patrick J. Kennedy, op.cit., p. 893.
[15] Jacobs, Sally. “Despite woes, Kennedy strong in R.I. Public rehab forges bonds with voters.” The Boston Globe. November 5, 2006.
[16] Ibid.
[17] Ibid.
[18] “Rep. Patrick J. Kennedy,” op. cit. AND
“Rhode Island 1st District.” Congressional Districts in the 2000s. 2003. CQ Press: Washington, DC.
[19] Ibid.
[20] Ibid.
[21] “Rep. Patrick J. Kennedy,” op. cit., p. 892
[22] “Patrick J. Kennedy.” Center for Responsive Politics. < http://www.opensecrets.org/ politicians/summary.php? cycle=2006&cid=N00000360> Retrieved 15 September, 2008.
[23] “Rep. Patrick J. Kennedy,” p. 892-893.
[24] Rep. Patrick J. Kennedy,” op. cit., p. 893
[25] Ibid.
[26] Ibid.
[27] About Patrick J. Kennedy. “Representative Patrick J. Kennedy.” Retrieved 16 September, 2008.
[28] “Rep. Patrick J. Kennedy,” op. cit., p. 892
[29] Ibid, p. 893
[30] About Patrick J. Kennedy, op. cit.
[31] “Rep. Kennedy, Patrick J.” The Library of Congress: Thomas. Retrieved 17 September, 2008.
Filed under Car Insurance Ratings by admin on Feb 25th, 2011. Comment.
Shopping for car insurance has become a circus act in original years. Turn on the radio, television or even surf the web and voila, there is an advertisement for the cheapest car insurance in town. Here’s what you need to think about before you go shopping for car insurance.
The first thing you want to do is ogle at your finances. Look at what kind of insurance you currently have, if you have it, and how much you pay, or can pay.
Keep in mind that when you hear a commercial for low rates that nothing is free, and usually when you consume something at a discounted rate, you get service to match.
You will want to look at your assets, and protecting them. Look at how much liability (lawsuit protection) you really want, or need, because that midnight trip to the corner store could end up in a four car accident with you at fault.
Take a see at your car. If it was hit while you were shopping and no note was left, could you cover the entire repair bill? If it was stolen, could you afford to replace your car on your own?
Take a deep look at your driving record. Any infractions will be found out sooner or later.
In the state of California, there is no accident forgiveness. When you see an advertisement, always read the small print. Many enticing offers are not allowed in California, but can be advertised nationally.
Check Consumer Reports for insurance company ratings. Search For at ratings not only for claims, but customer satisfaction.
Decide if you are an “online only” person, or if you like the face-to-face help a local agent can give you.
Lastly, have all of your current information in one place so it is easily accessible when you decide to go for a quote.
Good luck!
Filed under Car Insurance Ratings by admin on Jan 24th, 2011. Comment.
Automobile health care insurance can be one particular of the most expensive monthly bills for a sizeable portion of Americans With a great deal more and much more persons looking for approaches to help save profit in 2010, saving on automobile insurance cover becomes a well-liked topic Below are a few easy solutions to aid reduce your car policies fees.
The easiest way to minimize your coverage price tag is to lower your protection By lowering your liability and comprehensive protection quantities, you can help you save hundreds of dollars per 12 months In an example coverage plan, the driver has bodily injury cover of 50,000/100,000 and pays $950 per yr for this degree of cover If they had been to minimize the insurance plan to the 25,000/50,000 degree, the fee would be decreased to much less than $800 per season Decreasing protection quantities increases your financial risk but lowering unnecessary protection quantities keeps you fully protected whilst also saving you revenue.In addition to lowing your cover quantities, growing your deductible can also minimize your policies price Some car an insurance policy procedures consist of a collision deductible starting at $100 Rising this quantity to $500 or $1000 can conserve the driver a vital quantity Growing your deductible does not decrease your cover, its impact is felt only when a declare is made on the coverage Boosting your deductible can be specially beneficial for limited use motorists or motorists with an accident totally free record An additional easy transform to greatly reduce rates is to get rid of any tiny coverage additions which may well be redundant Some insurance plans procedures come with little additions this kind of as roadside help or rental motor vehicle allowance These additions can be useless if you have comparable cover elsewhere Some motorists will have roadside help or rental automobile allowance as a result of their cell phone coverage, motor vehicle warranty or in-car or truck help program this kind of as OnStar.It is feasible to minimize your insurance cover price tag whereas maintaining the same exact stage of protection 1 way to do so is to adjust insurance policy companies With the enormous assortment of automotive insurance cover companies, you might get a hold of less costly rates at a assorted agency Establishments like Progressive and Geico give you motorists with an on the internet quote making it straightforward to compare costs The comparable insurance plan, for the very same individual can be drastically numerous at two diverse establishments simply because of varying supplier insurance policies and associated bills If you had an insurance policies declare four years ago, and your latest business enterprise keeps a five-season historical past, you can preserve wealth by switching to a business with a 3-12 months driver historical past plan.You can potentially also obtain cost savings by combing your latest insurance policies If you have home owners an insurance policy and motor vehicle insurance policies by means of separate organizations, you possibly will get a hold of a nice low cost by moving your insurance policies to the comparable provider Notice the agency which makes it possible for you to join the most procedures and gives you the biggest low cost for doing so Combing your auto insurance cover with your health coverage, renters insurance policy or house owners insurances can deliver a giant low cost.Keeping the exact insurance plan but changing your covered automotive can also assistance you slice charges A newer vehicle expenditures a great deal more to insure and rates can be higher depending on the model and sort of motor vehicle If you trade in your sports auto for a sedan, you will obtain sizeable cost savings Cars can also come with vital cost savings attached Models with high safety ratings will yield a bigger insurance plan low cost Cutting your coverage cots can also be as uncomplicated as searching out all of your eligible reductions Getting a member of a particular groups, this kind of as travel rewards organization or school alumni associations, can mean cost savings on car or truck insurance coverage Ask your group if they furnish any insurance protection reductions as some alumni associations provide up to as a lot as a 15 percent financial savings Some an insurance plan online businesses also deliver military and school graduate reductions Bear in mind to maintain your coverage up to date at all times Motorists can receive special discounts for where they dwell, how old they are or if they got married If you move, even with the exact same state it is vital to update your data Health care insurance prices are generally less expensive when you dwell in much less populated areas Motorists can recieve a low cost for getting married and for getting in a household with multiple procedures so updating your status can preserve you revenue .
Filed under Car Insurance Ratings by admin on Nov 6th, 2010. Comment.



