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USAA Magazine Fall Edition
The United Services Automobile Association (USAA) is a San Antonio-based Fortune 500 diversified financial services group of companies including a Texas Department of Insurance-regulated reciprocal inter-insurance exchange and subsidiaries offering banking, investing, and insurance to people and families who serve, or served, in the United States Armed Forces. At the end of 2020, it had more than 13 million members. USAA was founded in 1922 in San Antonio by a group of 25 U.S. Army officers as a mechanism for mutual self-insurance when they were unable to secure auto insurance because of the perception that they, as military officers, were a high-risk group. USAA has since expanded to offer banking and insurance services to past and present members of the Armed Forces, officers and enlisted, and their families. The company ranked No. 96th in the 2020 Fortune 500 list of the largest United States corporations by total revenue and appeared on Fortune's 2021 Blue Ribbon list of comp ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
USAA Logo
The United Services Automobile Association (USAA) is a San Antonio-based Fortune 500 diversified financial services group of companies including a Texas Department of Insurance-regulated reciprocal inter-insurance exchange and subsidiaries offering banking, investing, and insurance to people and families who serve, or served, in the United States Armed Forces. At the end of 2020, it had more than 13 million members. USAA was founded in 1922 in San Antonio by a group of 25 U.S. Army officers as a mechanism for mutual self-insurance when they were unable to secure auto insurance because of the perception that they, as military officers, were a high-risk group. USAA has since expanded to offer banking and insurance services to past and present members of the Armed Forces, officers and enlisted, and their families. The company ranked No. 96th in the 2020 Fortune 500 list of the largest United States corporations by total revenue and appeared on Fortune's 2021 Blue Ribbon list of compa ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Financial Services
Financial services are the Service (economics), economic services provided by the finance industry, which encompasses a broad range of businesses that manage money, including credit unions, banks, credit-card companies, insurance companies, accountancy companies, consumer finance, consumer-finance companies, brokerage firm, stock brokerages, investment management, investment funds, individual asset managers, and some government-sponsored enterprises. History The term "financial services" became more prevalent in the United States partly as a result of the Gramm-Leach-Bliley Act, GrammLeachBliley Act of the late 1990s, which enabled different types of companies operating in the U.S. financial services industry at that time to merge. Companies usually have two distinct approaches to this new type of business. One approach would be a bank that simply buys an insurance company or an investment bank, keeps the original brands of the acquired firm, and adds the Takeover, acquisit ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Frankfurt
Frankfurt, officially Frankfurt am Main (; Hessian: , "Frank ford on the Main"), is the most populous city in the German state of Hesse. Its 791,000 inhabitants as of 2022 make it the fifth-most populous city in Germany. Located on its namesake Main River, it forms a continuous conurbation with the neighboring city of Offenbach am Main and its urban area has a population of over 2.3 million. The city is the heart of the larger Rhine-Main metropolitan region, which has a population of more than 5.6 million and is Germany's second-largest metropolitan region after the Rhine-Ruhr region. Frankfurt's central business district, the Bankenviertel, lies about northwest of the geographic center of the EU at Gadheim, Lower Franconia. Like France and Franconia, the city is named after the Franks. Frankfurt is the largest city in the Rhine Franconian dialect area. Frankfurt was a city state, the Free City of Frankfurt, for nearly five centuries, and was one of the most import ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Bank
A bank is a financial institution that accepts deposits from the public and creates a demand deposit while simultaneously making loans. Lending activities can be directly performed by the bank or indirectly through capital markets. Because banks play an important role in financial stability and the economy of a country, most jurisdictions exercise a high degree of regulation over banks. Most countries have institutionalized a system known as fractional reserve banking, under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, the Basel Accords. Banking in its modern sense evolved in the fourteenth century in the prosperous cities of Renaissance Italy but in many ways functioned as a continuation of ideas and concepts of credit and lending that had their roots in the a ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Broker
A broker is a person or firm who arranges transactions between a buyer and a seller for a commission when the deal is executed. A broker who also acts as a seller or as a buyer becomes a principal party to the deal. Neither role should be confused with that of an agent—one who acts on behalf of a principal party in a deal. Definition A broker is an independent party whose services are used extensively in some industries. A broker's prime responsibility is to bring sellers and buyers together and thus a broker is the third-person facilitator between a buyer and a seller. An example would be a real estate or stock broker who facilitates the sale of a property. Brokers can furnish market research and market data. Brokers may represent either the seller or the buyer but generally not both at the same time. Brokers are expected to have the tools and resources to reach the largest possible base of buyers and sellers. They then screen these potential buyers or sellers for the perfe ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Life Insurance
Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money upon the death of an insured person (often the policyholder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policyholder typically pays a premium, either regularly or as one lump sum. The benefits may include other expenses, such as funeral expenses. Life policies are legal contracts and the terms of each contract describe the limitations of the insured events. Often, specific exclusions written into the contract limit the liability of the insurer; common examples include claims relating to suicide, fraud, war, riot, and civil commotion. Difficulties may arise where an event is not clearly defined, for example, the insured knowingly incurred a risk by consenting to an experimental m ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Home Insurance
Home insurance, also commonly called homeowner's insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. Additionally, homeowner's insurance provides financial protection against disasters. A standard home insurance policy insures the home itself along with the things kept inside. Overview Homeowner's policy is a multiple-line insurance policy, meaning that it includes both property insurance and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. This means that it covers both da ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Direct Marketing
Direct marketing is a form of communicating an offer, where organizations communicate directly to a pre-selected customer and supply a method for a direct response. Among practitioners, it is also known as ''direct response marketing''. By contrast, advertising is of a mass-message nature. Response channels include toll-free telephone numbers, reply cards, reply forms to be sent in an envelope, websites and email addresses. The prevalence of direct marketing and the unwelcome nature of some communications has led to regulations and laws such as the CAN-SPAM Act, requiring that consumers in the United States be allowed to opt-out. Overview Intended targets are selected from larger populations based on vendor-defined criteria, including average income for a particular ZIP code, purchasing history and presence on other lists. The goal is "to sell directly to consumers" without letting others "join (the) parade." Popularity A 2010 study by the Direct Marketing Associatio ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
San Antonio Express-News
The ''San Antonio Express-News'' is a daily newspaper in San Antonio, Texas. It is owned by the Hearst Corporation and has offices in San Antonio and Austin, Texas. The ''Express-News'' is the third largest newspaper in the state of Texas, with a daily circulation of nearly 100,000 copies in 2016. The newspaper's online presence includes both the subscription version of the ''San Antonio Express-News'' and the ad-supported ''mySA''. History The paper was first published in 1865 as a weekly tabloid-style newspaper under the name ''The San Antonio Express''. At that time, the city had already had a number of other newspapers in a number of different languages. However, all the other publications went out of business, leaving only the ''Express'' to serve the city. In December 1866, the ''Express'' made the move from a weekly paper to a daily newspaper, and expanded into a full newspaper by the early 1870s. The early days of the ''Express'' was marked by several leadership chang ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Ernest Hinds
Ernest Hinds (August 18, 1864 - June 17, 1941) was a career officer in the United States Army. A veteran of the Spanish–American War, Philippine–American War, and World War I, he attained the rank of major general and was notable for his service as Chief of Artillery for the American Expeditionary Forces during the First World War and his post war command of the 2nd Division and United States Army Field Artillery School. Early life Ernest Hinds was born in Red Hill, Alabama on August 18, 1864, the son of Margaret Rebecca (Pickett) Hinds and Byram Wilborn Hinds, a physician and Confederate States Army veteran of the American Civil War. Among his siblings was Alfred Walton Hinds, a United States Navy officer who served as Naval Governor of Guam. Hinds attended the local schools of Marshall County until his father moved the family to New Hope, Alabama in Madison County. After completing high school, in 1883 Hinds competed for a Congressional appointment to the Unit ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Gunter Hotel
The Sheraton Gunter Hotel is a historic hotel in Downtown San Antonio, Texas, USA built in 1909 and designed by St. Louis architect John Mauran. It is listed on the National Register of Historic Places. History The Gunter Hotel opened on November 20, 1909, on the site of the earlier Mahncke Hotel. There had been a hotel or inn on the same site since 1837. The eight-story, 301-room hotel was built by the San Antonio Hotel Company and named for Jot Gunter, a local rancher and real estate developer who was one of its financiers. It was designed by Ernest John Russell, of the St. Louis firm Mauran, Russell & Garden. It was the largest building in San Antonio at the time. The Baker Hotel Company purchased the hotel in 1924 and expanded it in 1926 with the addition of three stories. The addition was designed by architect Herbert M. Greene.Mauran, Russell & Garden It was restored from 1980-1985, overseen by architect Robert V. Buck. At the same time, a two-story parking garage was ad ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Self-insurance
Self-insurance is a situation in which a person or business that is liable for some risk does not take out any third-party insurance, but rather chooses to bear the risk itself. In the United States the concept applies especially to self-funded health care and may involve, for example, an employer providing certain benefits – generally health benefits or disability benefits – to employees and funding claims from a specified pool of assets rather than through an insurance company, as the term is traditionally used. In self-funded health care, the employer ultimately retains the full risk of paying claims, in contrast to traditional insurance, where all risk is transferred to the insurer. See also * Insurance * Risk management * Third party administrator * Self-funded health care Self-funded health care, also known as Administrative Services Only (ASO), is a self insurance arrangement in the United States whereby an employer provides health or disability benefits to employe ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
