Wyoming Insurance

If money remains after the holidays, there is no shortage of advice on how to invest. January-The issues of personal finance magazines - with three questions at the end of the year - are charged with prognostications and lists of camps Picks for 1997.

It is fascinating, and stocks were little more than a list. From time to time, American Express, Walt Disney or a biotechnology company appears twice, but the vast majority is not. Probably, several stock pickers are different research and analytical criteria, but the way to be forgiven for readers to suspect that experts have not the slightest idea. And a good record in this market, the increase was not simply a mission impossible.

The newspapers are all on the stubborn nervous stocks for the year 1997. Most predict a correction in the first half, followed by a rebound. Where does it end? Some analysts see the Dow beat 9000 or 10000 in the years to come. But do not forget, which has significantly different lists.

With view on the future of happiness, money and all have very special year-end is devoted to questions about the prospects for next year.

Fortune, his personal finances to cover this fall, when the store was refurbished, provides prices in European stocks. But he cautioned investors to be patient, because the pace of rationalization of business was slower than in the USA. The magazine of the five best players in Europe are chosen Volkswagen and Mannesmann in Germany, SGS-Thomson Microelectronics and Elf Aquitaine in France, and Daily Mail and General Trust of Great Britain.

The magazine appears every two weeks, including lists, which requires a lot of promising sectors for the year 1997, in collaboration with several companies in each. The sectors of the health of women, High-Speed-communication, supports the life and search for drugs.

For the money, 10 three brokerage stocks extend their potential as a winner. The magazine said its needles for the year 1996 have gained an average of 21 per cent, and it predicted a steep rise even more for its selection 1997: 39 per cent. (Because of publication deadlines for delivery of these newspapers, normally a threshold arbitrary selection point at the end of the year for calculating profits and losses. Starting from Friday, the Standard & Poor’s 500 Index shares rose by 21.6 per cent for 1996.)

Michael Sivy, Money’s Chief Investment Strategist, advises investors, while the overall market is not as strong as in 1997, was in 1996, he believed, the Dow in early 9000, within five years. ”We believe that investors should each dive in share prices as a buying opportunity grandiose,”he writes. It also examines, which is spoiling the fresh perspectives.

Worth’s approach is comparable to the money in 12 investment Before each choose two preferred shares for 1997. The 1996 performance of its needles have ranged from an increase of 209 percent for Chesapeake Energy - a favorite of Daniel Leonard, manages, Strategic Technology Fund INVESCO portfolio - a decrease of 51 percent for Semtech chosen by Louis Navel Lier, publishers BPM Review.

In its regular January, Smart Money, Kiplinger’s Personal Finance and Individual Investor same post in the future.

Smart Money had a good record for 1996, if the needles were on average 36 percent. With the help of Elaine Garzarelli, look analysts, is Garzarelli Capital, the magazine has great expectations for a period of five stocks - First Choice, Nokia, Watson Pharmaceuticals, Revco and Allstate. In borrowing, it offers a 50-50 split between five years and Treasury Bonds Vanguard’s Corporate High Yield Bond Fund.

Kiplinger’s is the least gushy on the outlook for 1997, but focuses on stocks, says it should grow, what to expect, humdrum existence of a market. He predicted good rate of return of Real Estate Investment Trusts, certain actions and energy, financial services and banking shares.

A stumbling Jonathan Steinberg, editor of the individual investor software, acknowledges that his newspaper’s Magic”25”Lager recommendations for the year 1996 was a disappointment. You returned an average of 15.7 per cent and that among all the leaders of the market average and well below each investor, the target of 50 percent. The magazine devotes a large part of his edition of the January-bearer of hope for the years 1997 and provides a detailed analysis of each.

HAPPY ANNIVERSARY Kiplinger’s 50 in January, and if the next half-century, just as the last, you have your seat belt buckle. While the anniversary issue aspires to its readers a glimpse in the next 50 years, excerpts from the journal of the first day, the best centre in the shooting, the pace of change that we maybe expected.

Kiplinger’s was the first modern human resources Finance Magazine and was a pioneer in the belief the average World War II - marked by reminders of the harsh global economic crisis - it is not only safe but desirable to invest in actions. In the first issue was on sale in 1947, the average American Made $ 2589 per year ($ 18408 in 1996 dollars), the doctor earns an average of $ 10,700 ($ 76,000) and a 10-inch black and white television sells for $ 374 ($ 2,656). The magazine is known for its careful consultation and well written, went to first few waves. In 1950, he criticized the advertising of cigarettes and to end the insurance retiring at the age of 65 in 1952, he warned about the negative effects of television on children and, in 1953 he asked a level playing field for women.

And the future? Well, Kiplinger’s points out that while the stock market grows an average of 10 percent per year, the Dow is at 700000 Hit 2047.

QUESTIONS Money’s imposition regular January issue has some good advice on the dismantling of the state and federal taxes. In addition, States rank their tax burdens: Top 10 tax havens are Alaska, Wyoming, New Hampshire, Tennessee, Nevada, Louisiana, Alabama, Washington, Florida and Delaware. The five major tax Höllen”’’sind New York, Washington, DC, Wisconsin, Minnesota and Rhode Island.

Mr. Kean said that until 1984, it was too late for the State to adopt the selection. ”If I had done that,”he said,”we would be in a situation now in this state where we do not have a single site of the incineration plant, I think.”

The counties had”because, once lost their liability would have been for her, on the other side,”he added. ”They would have said: “No, not here in our region.” Insurance auto’’subsistent The Soar in this issue, probably the largest among the new Jerseyans ire, they are attempts by the State has failed, sound management and economic system of automobile insurance. Faced with rising premiums, last February a driver zerschellte a car with a hammer, a proposal for a protest near the State House steps. Others recall petitions Members of the Senate.

At the heart of the exhibition is ein”no-fault”Versicherungssystem with its headquarters in 1973, that the right of motorists to blame if the accidents caused more than $ 200 in medical expenses. The result was a sharp increase in litigation and the cost of insurance.

In an attempt to reform in the years 1983, the legislature passed, and Governor Kean signed a bill establishing a Joint Underwriting Association to serve as a driver, was unable to buy insurance companies, because they were regarded as bad risks.

The draft law allows insurance agents to sell private, the association’s policy, but the club, which is the rule, it would be for the payment of claims.

Indeed, the legislation makes it profitable for brokers to sell, the political association. Accordingly, about half the drivers in New Jersey with the policy of liquidation of the association, and this year it had a 2.5 billion dollar deficit.

Automobile insurance premiums increase as well kept and, this fall, with New Jersey’s prices are among the highest in the country, Mr. Kean signed a law on Bail-out of the association and that most motorists in the private or voluntary. Even with the new law, experts say, many motorists is also premiums continue to rise.

Mr. Kean tried to distance itself from the failing club this fall, said he thought it was wrong from the beginning. But in 1983, he signed the law on the establishment of the association without indication of any concern.

In addition, it has been for years, Mr. Kean has what State a function of New York’s insurance law, which borders use of accidents, death, distortion, fragmentation or other serious injuries.

But legislators say that while Mr. Kean has made several occasions, what he wants, he does not have the enormous influence of his office to push a law through the legislature. As with the waste problem, critics say that Mr. Kean has remained off the hook with a problem of failure and popular resentment.

”He never the problem on a global basis,’’said Senator Lynch. ”His goal was to the Office, in writing, without control.”

A spokesman for the governor, Carl Golden, said that Mr. Kean has vigorously fought the reforms of insurance, but members of the Senate, Democrats, was obstinate opponent borders on the right side of the latter.

”It is generally accepted that the holdup of the insurance is a legislative power,’’said Golden. ”This is where considerable efforts have been blocked consistantly, the trial version of lawyers in particular.”High real estate taxes interruption of cities is another problem, experts say that policies gubernatorial candidates must confront anger rising public on property taxes.

New Jersey, some homeowners taxes the highest in the ownership of the country in 1985, Wyoming and Alaska have been because of higher taxes per person. Modest homes in northern fractions with taxes can lead to an amount of $ 6000 per year, a total of property and taxes rose nearly one billion dollars in 1988 to $ 7.7 billion.

Urban, furthermore, that the dependence on taxes victimizes the property of the state, the poorest communes. While New Jersey had a strong economic growth for years, Kean, towns hands with the poor, drug addicts, homeless people and a variety of other social problems, has been largely left behind.

The passenger Corporation said it would make automobile and homeowners insurance markets in nine countries and he circumcised his agency exceeded its strength and agent commission under a timetable to revise their lines business. The company said the actions were part of a plan for the staff of enterprises in operation lines more competition and concentration in markets with the greatest potential for growth and profitability.

The passenger Corporation said it would make automobile and homeowners insurance markets in nine countries and he circumcised his agency exceeded its strength and agent commission under a timetable to revise their lines business. The company said the actions were part of a plan for the staff of enterprises in operation lines more competition and concentration in markets with the greatest potential for growth and profitability.

Travellers said, it would be composed of lines of personal activities in southeast Carolina, North Dakota, South Dakota, Wyoming, West Virginia, Nevada, Idaho, Oklahoma and Arkansas. He said it would be there with offices to ensure a good retirement. Passengers said that it will continue to offer home and auto insurance in countries where it sees a chance for long-term growth and profitability.

Five major car rental companies into a new financial responsibility on the tenant. These companies, Alamo, Avis, Budget, Hertz and National, have changed their rental contracts in different countries, the tenant of its own insurance on the first line of defence, where an accident with a claim of responsibility - c ‘ is to say that such an injury, or other persons or damage kills other property. Until recently, the liability insurance that companies arrivals are necessary for the laws of the State was the main reporting.

For drivers do not bear the liability insurance or do not want for their own policy on the line, the rental companies offer an alternative that sell under different names for an extra day for $ 8 or so. For guarantees, without coverage, not to buy the rental of Business Back-up is the front cover, but there is a possibility that the rental companies and Sue return the tenant. Rich McEvily, Hertz to a lawyer, said: “We say that the tenant:” It is up to you to protect your assets. “”

In California, Hertz, Alamo and both primary and secondary responsibility of the tenants, what makes a costume is more likely, but the situation is not really new suit was reported, not yet. The California Attorney General’s Office, after Ron riders, an assistant attorney general asked the owner, as the responsibility, if the law apparently places a burden on car owners.

This type of insurance referred to the rule of third party liability, has nothing to do with the Collision Damage Waiver, a lease, for a daily fee, absolves tenants of liability for loss or ‘damage to a rented vehicle.

The loss or damage to a rental car with a finish Free: The value of the car.

Greater responsibility for an accident may be millions of dollars, if someone complains about the lack of profit potential or a family is left without an employee.

Even before the recent changes to the rental companies have offered an “excess coverage” to provide protection on a blanket over driver in the case of an appeal, but now it seems likely more popular, especially because that many people rent cars is not unique and, therefore, no liability insurance. Faced with the new arrivals rules, these people can not rent a car ever, because their homes or other property is on the line of responsibility in the case of a costume.

The last Shifting happens very quickly. For large enterprises, but apparently started in January, when Avis and Budget, the stage in California, followed in March then, Alamo, Hertz National in April and May. In Florida, economic relocated in January, Hertz and National in May and Avis and Alamo in June.

Dear has also shifted the responsibility in Indiana and Wisconsin, and has a new contract in the work of Texas tenants.

Domestic, in 17 other states: Alabama, Colorado, Illinois, Kentucky, Louisiana, Maine, Maryland, Michigan, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Texas and Wyoming.

Alamo, 27 other states: Alabama, Alaska, Colorado, Georgia, Hawaii, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Jersey, North Carolina, Ohio, Oklahoma, Pennsylvania , South Carolina, Tennessee, Texas, Utah, Washington and Wisconsin. “Responsibility for others”

These companies say they are looking for in their contracts in all countries to see how to escape that Hertz has dramatic escalation of liability costs. ”

The housing market companies say “responsibility for others” are passing laws that the relocation of the Council’s responsibility. Eleven countries have such laws, possession of a vehicle, the owner liable for damages, regardless, was en route. In seven countries with such laws, Jan M. Armstrong, Executive Vice President of the American Association car rentals, there is no limit on the amount of damages a jury, it may, in one case, the responsibility. Of those seven, she said, Florida and New York are the manufacture of the biggest settlements, which means that the greatest loss to the company law through the charter. A jury New York last month, rose from $ 163 million, a record that the victim of an accident with a rental car.

Six years ago, as Bill Clinton, then governor of Arkansas, says Dr. Joycelyn Elders to the press its new appointed director of the State Department’s health, he quickly learned what he had in

A journalist wondered whether the former Dr wanted to give condoms to public school children. “Now I’m not going to help in their lunchtime, trays, but, yes,” she replied.

This week, after his appointment as Surgeon General of the USA was amended by the Senate, it was clear that, even if it is not Putting condoms meal trays at noon at the national level, they best to improve that ‘they see as a lack woefully policy on the field of sex education in this country.

When they him in a speech here for the reunification of State and territorial integrity Health Officers, on Thursday: “Condoms are not the solution, the Government of adolescence-age pregnancy crisis. But we want the provision of condoms, which decided to be sexually active. I do not believe that just because you have a condom, you’ll have to walk and sex. There is not a person in this space, which is not on auto insurance, but you do not go and have a wreck, because the latter. ”

Six years ago, after the press conference in which he introduced Dr. Elders, M. Clinton told a journalist: “Now I know, as Abraham Lincoln felt when he meets Harriet Beecher Stowe:” It’s the little lady, began the great war. ”

And, as Mr. Clinton must have known, it would be in Washington, the war continues, if Mr. former took place in March after the appointment of its chairman Surgeon General.

Conservative and fundamentalist religious groups described as a radical leftist. Traditional Values Coalition, an organization lobbying on behalf of conservative Christian churches across the country, she called the “condom queen” and said it was “clearly the worst is not yet nominated by Bill Clinton.” Some Republican senators establishment of a court full time, press the opposition, delays parliamentary tactics and accusations of financial maneuvers of impertinence.

Last Tuesday, their campaign of six months has failed, and the Senate voted 65 to 34, 59 years for children under cardiology endocrinologist.

In an interview two days later, “said Dr. Elders, she spoke with the president, after the Senate vote. “It was a good,” she said, he told him. “We have to plug in there and fought it out. I really enjoyed it.”

“Now, she says, she replied:” I am pleased that you have appreciated.

As it has in its usual style and mat with a smile: “Things are not really far without problem. I came to Washington as prime contractor steak, and after there for a while, I feel like low-grade Hamburg. ”

Curiously, it seems, than it was in difficulty, making it out of him and won his decisive vote in the Senate - the people, Frank and style of disarmament on issues related to the acquisition of parole.

Several conservative Republican senators, including Alan K. Simpson, Wyoming, she says, she recalled by Dr. C. Everett Koop, Surgeon General under the presidency of Ronald Reagan, a conservative, was also a true defender of the use of condom and a good reputation for Plain-talking and honest, whatever the consequences. Senator Simpson voted for her.

Senator Nancy Landon box tree, a Republican of Kansas, said they agreed with some old Dr. viewpoints, but at the end of voting for her. Dr. Elsewhere in the style and capacity for the floor, she said before the vote, “could reach an audience of young, I could never achieve.” The senator said Dr. Elders cash tree “sends strong, clear and, yes, new flamboyant” for youth.

Dr. Elders won 13 votes Republican in the Senate, and Democrats lost only 4. An opponent of the aid

Furthermore, their longstanding opponents at home in Arkansas, Jerry Cox Family Council, a conservative group commitment to Little Rock, “Dr. Elders several times in their contradictory policies, said a publication American Medical Association: “To be honest with you, I think it is very well suited for the job. It is a Bully pulpit.” Although not agree with his opinions, he said, task of the Surgeon General is on track to Dr. Elders.

Western painting new speed limit sign, convinced that next week by President Clinton signed, what his friends and enemies “pedal-to-the-metal.”

If this treaty enters into force, the National Highway System designation of the federal law would remove control of speed limits, first imposed fuel as a means of winning in 1974.

Without federal budget, Montana is automatically America’s “highway” status. How many drivers in Germany by major highways, drivers in Montana interstates on the face of every day is not time to speed limits, because she screamed by Big Sky Country.

A generation of state legislators in the West has reacted violently to the introduction of the maximum speed of the National Institute of the nation maximum speed to 55 mph. States that do not comply ran the risk of losing highway money. During 1987, we read had the chance to raise the ceiling to 65 km / h on interstates in rural areas.

The dream to follow a regime of the race over vast green spaces, the state legislature, in the west accepted speed limits, which take effect only if the Confederation borders have been lifted. In Montana, lawmakers voted to restore a pre-1974 set by law, that motorists should drive at a rate reasonable and prudent. ”

Mr. Clinton has objected to the provision of speed limit and other parts of the highway bill, but it is feared, to sign it.

By its signature, maximum speed limits of 75 mph directly to Kansas, Nevada and Wyoming, and 70 km / h in California, Missouri, Oklahoma, South Dakota and Texas. Colorado’s legislative debate, a proposal to increase to a maximum of 75 km / h

In the East overloaded has not adopted any measures have been taken. In some countries in Eastern Europe, like New York, New Jersey, Massachusetts and Pennsylvania, speed limits can not be amended in the State Legislature. Others, like Connecticut, Rhode Island and Vermont, require action committees of public transport.

In the Rocky Mountain west, some have long argued that geography and population density of light provide a great fast lane.

“We have fewer people in this state that throughout the city of Honolulu, and three times as many cows as human beings,” said Andrew Malcolm, a spokesman Dir of Montana, Marc Racicot And provides a justification for opening up speed limits. “Public opinion is strongly in favour of old borders,” he added, referring to the state constitution-1974 before the law.

Security and insurance companies are to recommend to Mr. Clinton to veto the highway bill, which would be $ 6.5 billion in aid for states and the costs of a number of other Federal Regulations, as a motorcycle helmet, a ban on Billboard highways and staged a number of rules in connection with the truck.

Presses M. Clinton, a security group, Advocates for Highway and Auto Safety, recalled that his father died in a car accident. “We can not repeal the law of physics,” said Katherine Hutt, a spokesman for the Washington-based Advocacy Group. “Physics in effect doubling every 10 miles an hour on the current speed limit. ”

Realizing that 4694 people died on Interstate outages during the past year, the group said: “The Congress has examined the account of a highway for the first time in history, more ‘ To kill Americans, as it saves. ”

Monday, the consumer advocate Ralph Nader implored President, to view, please, what is at stake - between 6000 and 7000 more deaths each year, tens of thousands wounded, disable, $ 19 billion in the field of public health and costs because a higher insurance rates higher worker compensation premiums, more air pollution, more imported oil and more risks on the highway putting out of the police. ”

Within five years after Congress raised rural speed limits to 65 km / h, deaths rose 30 percent on routes where speed limits have been collected, according to a study by the Federal Department of Transportation, said Speed contributes to one third of all highway deaths.

East favorable to the security’m wondering how the pilot of Flight Montana prices next month when they arrive on a stray cow or a patch of ice while traveling 100 km / h, the deadliest of the Interstate east in Montana, on I-90 in Silver Bow County, Computer-Aided a case study of death intergovernmental this month Hearst newspaper. From 1990 to 1994, measured in the study, the number of fatal breakdowns per 100 million kilometres travelled.

Growth in the number of uninsured drivers cause serious accidents, insurance and pushes up the responsibility to repay their victims.

Hit the big cities hardest

In 19 states the increase in these types of accidents in the field of more than 50 percent to 220 percent. The main problems are occurring in major cities, officials said. In Los Angeles, for uninsured drivers, that almost one of four accidents with injuries. At Philadelphia, Denver and Miami, which is a number to three.

”This is a very serious situation for the country,’’said David N. Levinson, Delaware’s Commissioner of Insurance. ”Our opinion polls indicate that people over exciting on uninsured drivers than any other problem that we have indicated, including taxes.”He said that one third of 540000 vehicles in the state, is not guaranteed and that all claims, uninsured drivers has increased by $ 200000 in 1978 to $ 10 million in 1988, the latest year for which figures were available.

Many states, including New York, New Jersey and Connecticut, require drivers to ensure the physical integrity against damage caused by Hit and Run accident or car accidents with driver, the drive illegally without insurance.

Experts say the growth of insurance premiums is at least partially responsible for increasing the number of uninsured drivers. ”The number of uninsured vehicles has increased more rapidly in some areas where insurance costs have risen faster,’’said David L. Unnewehr, Research Director at Insurance Research Council, a professional association, as has recently analyzed data accident, which claimed, uninsured drivers from 1976 to 1986.

New York fares well

Drivers uninsured in New York City caused 8.5 percent of all serious accidents on the lowest rates of 15 cities studied by the Council in 1986. ”New York by the law of insurance is a bit more than other states, “said Unnewehr”,” but we did not get real deep into the reasons for New York had a lower percentage than in other cities.”His study found that the number of serious accidents by drivers who are not policyholders in the state, was half the national average, while the number of accidents almost tripled to 6.3 percent in 1986, 2.3 per cent in 1976.

Other states also have at least a doubling in the number of serious accidents by uninsured drivers were Idaho, North Carolina, Tennessee, Wyoming, Delaware, Georgia, Minnesota, Mississippi, North Dakota, Colorado and Utah .

The rate clamor on the assurances of PA and requested a dozen other states for the implementation of compulsory motor insurance laws in the past 12 months.

Assekuranz debt

But Mr. Levinson and say that almost all supporters of the implementation of new efforts are inadequate, and they throw the insurance industry to block the implementation of stricter measures. They complain that the content industry in terms of cost recovery, the nation’s total auto insurance from a pool of reduced customer as a means of reducing administrative costs and profits.

”The industry would rather collect $ 750 of you, $ 750 by myself and not a Dead Beat, not insurance,’’said Levinson. ”The industry can not win by collecting $ 500 by you, me $ 500 and $ 500 from another man, it is $ 1500.”

Assekuranz spokesman confirms that businesses against auto insurance mandatory certain laws and strict implementation of measures proposed by States, but they say that companies are consumers of this page on these issues. ”The industry is not able to say, someone must buy insurance, they will have their children before flows,’’said Nagel Shirley Schmidt, a spokesman for the Alliance of American Insurers, a trade group.

Mr. Levinson complained that the insurance sector had violently against the legislation in Delaware in the spring, which requires owners of automobile color, add the labels on the windshield as proof that it had paid for ‘insurance. ”I’ve never seen a lobby as the work effort in my life,”Mr. Levinson, rejected the proposal.

Ms. Schmidt Nagel, said the sector had legislation against the labels, because the procedure would be inconvenience, consumers and increase costs. ”It sent a quantity of paperwork,’’she said.

Characters of the discussion

It is very human to debate.

”The minimum insurance costs $ 600, and it was not possible,’’said a woman 23 years in San Francisco, drives a 1978 Volvo without insurance or registration, and said, the condition they can be identified.

She works in a non-profit organization of citizens’ rights as an intern, earning $ 8.50 an hour. This year it was $ 278 fine for driving without insurance or registration, but had no money to pay. She said she continued to drive illegally, mainly because they do not feel with transit in the night. If it has caused an accident, she said she hopes to cover the other costs through the sale, what was left of his car, bought two years ago for $ 2000.

If you are lucky in this holiday to find, even in the transport sector move more than 55 mph, which also invites you to an astonishing reality: They are not dead.

It should not be a surprise to you, but it is certain number of people in Washington, experts on safety on the highway. During the year 1995, when Congress voted for lifting the national 55 mph speed limit, she predicted carnage on the roads.

Joan Claybrook, president of Public Citizen, a group defending the interests of the invoice Bezeichnung”die a death warrant for thousands of Americans.”As President Clinton prepared for the signature of the law, the lawyer Consumer Ralph Nader predicted,”History will never forgive him and his allies in Congress for this attack on the sanctity of human life.”

Judith Stone, President of counsel for the highway and the safety car, went on NBC Programm””Heute vorhersagen”6400 added highway fatalities a year and millions more injuries.”This figure more than 6400 deaths each year, Ms. Stones group has a Worst-Case Department of Transportation estimates a study has been cited several times by journalists and dozens of advocacy groups.

In any case, but the massacre was averted. Driving actually become safer despite the higher speed limits put in force in most countries. In 1995, the last year national speed limit, 41817 people died on U.S. roads last year, there were 337 deaths less, while Americans have more miles. The mortality rate per kilometre declined by 11 percent since 1995 and is now at a low point.

The national speed limit during the year 1974 for energy conservation, are not registered, but survived thanks to a lot of oil asserts that save lives. After changing during the year 1987, about 65 miles per hour speed in some rural freeways, it was eliminated by the 1995 Act permits States, their own borders.

”The safety and consumer groups warned us during the year 1995, what would have blood on the highway and higher premiums for automobile insurance,’’said Stephen Moore, Director of Fiscal Studies in the Cato Institute, a libertarian policy group. ”But since mortality is steadily declining, and insurance premiums have actually fallen, too.”

The prophets now say they were misunderstood. ”We predict a Worst Case Scenario,’’said Stone,”if all States of their legislation on the potential of all roads, including roads dangerous side. Fortunately, most countries do not.”This is true - but then ever, there was reason to believe that the entire country would be stupid became ill.

The local politicians (and local drivers) generally a little knowledge about local road conditions. Even without the advice of experts in Washington, legislators in the north-east of the country found that 70 - and 75 mph limits in places such as Wyoming can not be overloaded with work in urban areas. In New York, New Jersey and Connecticut, the maximum speed is 65, and it is only a few highways.

”The 6400 forecast of dead has never been very realistic,’’said Julie Rochman, spokeswoman for the insurance sector Institute for Highway Safety, which recently analyzed the number of accidents on roads where the speed limit. She came to the conclusion that the higher limit values has increased the mortality rate of 500 deaths per year.

Even this estimate may be too high, Mr. Moore’s new study on the Cato Institute. He noted that the global mortality rate has been almost as quickly in countries with higher speed limits in countries with borders unchanged. As if additional deaths in the streets higher speeds, globally could still fall victims in these countries?

One possible explanation is that the additional deaths are more than offset by the lives saved by other safety measures such as safety belts, airbags, cars better developed and laws against driving drunk. Mr. Moore, but rather another explanation.

If on”70 or 75 mph on an Inter State, he said”,” rather than take a secondary road, a shorter route. So even if a few more people die on the States, because the highest speed, there are fewer deaths in total, because drivers are diverted four streets safer for the six-lane roads.

Senator Alan K. Simpson said Friday that the investigation of the nation’s largest and most powerful of the Organization of the elderly, the American Association of Retired Persons, including the receipt of grants from the Federal Republic of business and its interests .

During the hearing of the Senate Subcommittee on Finance, Mr. Simpson said that he and his staff was reviewing the organization of the accounting practices and financial interests arrivals, including an e-mail pharmacy.

In an interview later, Mr. Simpson, Republican of Wyoming, said the group in the lobby of the Federal Republic gives it a total of approximately $ 100 million per year.

The organization represents people aged 50 and older, is one of the most influential lobbyists in Washington. Few politicians are prepared to cross.

Members are, among other benefits access to a range of products offered by manufacturers on the organization, sell, the group health, life and self-insurance, pensions, investment funds and medicines.

“You are a cash-flow from operations,” said Simpson. He describes the organization of “33 million people, paying $ 8 expenses connected by an airline common love discounts and awards and automobiles, pharmacy discounts, and they did not the slightest idea of what the organization calls “.

The group legislative director, John Rother, said that Mr. Simpson declined, the organization of the offer to take “any misunderstanding clear.

Mr. Mr. Rother issue Simpson’s assertion that the organization has received $ 100 million a year in federal grants, he stated that the sum was closer to $ 86 million. He also said that the organization of financial records were opened and had nothing to hide Mr. Simpson.

Mr. Simpson said he wanted to determine the cash flow of the Organization of nine companies and a lot of money that the group receives from the sale of various products.

“They say ‘This is not the subject,” said Simpson. “I say” yes it is. “He added:” I am going with their books and records and their books as they praised their man. ”

He claims that the group of employees of foreign service was the immediate release if they disagree with its national board, and that these members of the Committee were of the Association of lobbyists.

“It’s really an operation,” said Simpson. “And you think they are just there, God will do the job.”

Mr. Rother said turnover was low in the organization of 1700 employees, but he acknowledged that there were one or two cases in which someone in protest shut down or dismiss, as opposed to the Board of Directors. He said members were delegates to the group’s conventions, lobbyists.

Mr. Simpson also complains that the group wanted a long-term health care for all Americans, regardless of their income or wealthy, and that such a plan would “really put the country on its knees.”

After a second day of hearings on the practices of the American Association of Retired Persons, senators of both parties today proposed that Congress strengthened standards for granting tax exemptions to non-profit organizations, lobbies on Capitol Hill.

Senator Alan K. Simpson, Republican of Wyoming, suggested that organizations tax welfare should not be allowed to benefit from federal subsidies. These groups should not be allowed to finance their activity entirely consistent with these activities, he said, it should be necessary for a portion of their income from membership dues.

B. Horace Deets, Director General of the association, said the group to guide any changes that Congress. But Sara E. Melendez, president of the independent sector, a coalition of non-profit organizations and foundations, said in an interview that Mr. Simpson’s proposals have been overestimated.

Mr. Simpson is chairman of the Finance Committee Subcommittee on Social Security and family policy. The American Association of Retired Persons has chosen, not as witnesses of last week, said he had a time considered Board Meeting in Portland, Ore..

But man learning I. Eugene, president of the association, testified before the subcommittee today denied that members of his group was wrong, “against the Federal Republic of tax law or to abuse the privileges of its mailing,” says Simpson.

Mr. male teacher, said the group business - Self-insurance, homeowners, health insurance, life insurance, credit cards, investment funds, medicines and travel services - to members of ‘be fair.

But Senator John McCain, Republican of Arizona, said: “The AARP is much less interest in ensuring that the elderly can be round, when it was his own Bottom-Line” . Mr. McCain said the association lobbyists in Washington “have acted intentionally, contrary to the wishes of its members” - for example by the support of President Clinton, the health during the last year and development of the disease to cover catastrophic illnesses during the year 1988.

The outcome of the hearings is that Senator Simpson has tarnished the image of the club, but of state and government heads of the organization said they would not be the silence of the investigation.

Senator John B. Breaux, Democrat of Louisiana, to the surprise expressed by the variety of commercial activities sponsored by the Association. He said, new standards might be needed on the activities eligible non-profit groups.