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Tajuana Polly


Member since March 17, 2014

  • Citroen-c4-3277690_177_

    If you are thinking of splashing out on a new car make sure you drive off with a good deal with these top tips - from Swinton Insurance.

    1 - Consider your choice Think about what you want from your new car - an environmentally friendly engine, fuel efficiency or just lots of room in the boot?

    2 - Do your research Before you visit a showroom find out everything you can about the car you want, specifically the model, engine and any other specifications. Check out and for everything you need to know.

    3 - Don’t budge from your budget Fix a maximum figure in your mind and stick to it. Remember that car prices are flexible and there are usually discounts to be had. Visit and don’t forget to add running costs to your calculations.

    4 - Take a test drive with someone in the know Take someone who knows a bit about cars who can check for problems as you find out how it handles, how easy the controls are and how comfortable it feels while you’re driving.

    5 - Shop around for finance Most dealerships will offer some way of spreading the cost but it pays to explore all your options. Don’t focus solely on the monthly payment, consider how much the car will cost in total by the end of the agreement. It’s also helpful to shop around for finance.

    6 - Consider part exchange In simple terms this means your car is taken off your hands at an agreed price, which is knocked off the cost of your new car. You are likely to get less from a dealer t...

  • The U.S. lawmaker who wrote a Dodd-Frank Act provision that imposes bank-like capital standards on the insurance industry introduced legislation to ease the requirements.

    Senator Susan Collins, a Maine Republican, said at a Senate Banking subcommittee hearing today that her 2010 provision was not intended to subject insurance companies to the same capital and liquidity standards as banks.

    “While it is essential that insurers subject to Federal Reserve Board oversight be adequately capitalized,” Collins said at the hearing, “it would be improper, and not in keeping with Congress’ intent, for federal regulators to supplant state-based insurance regulation with a bank-centric capital regime for insurance activities.”

    The provision of the Dodd-Frank overhaul of U.S. financial regulation requires the Fed to set minimum capital and leverage standards on non-bank firms, including insurance companies like Prudential Financial Inc. (PRU: US)

    Collins said insurers engaged in activities regulated as insurance at the state level would be exempted from the Dodd-Frank capital requirements under her bill.

    Insurance companies say bank capital standards don’t fit their business and submitted testimony to the subcommittee to press their case for an amendment.

    “It’s a difference in the fundamental business model,” Julie Spiezio, senior vice president of insurance regulation and deputy general counsel for the American Council of Life Insurers, said. “It’s like trying to put the...

My Interests

  • Industrial Design
  • Environmental Design
  • Communication Design
  • Fashion Design
  • Audio/Visual Design