Latest news with #ZIP
Yahoo
11-06-2025
- Automotive
- Yahoo
Zip Codes and Credit Scores: Why Your Address and FICO Score May Be Driving Up Your Car Insurance
New data reveals that your ZIP code can increase car insurance costs by 20–40%, while a poor credit score may lead to a shocking 60% increase; learn how to fight back and save money by understanding these hidden factors and shopping smart. LOS ANGELES, June 11, 2025 /PRNewswire/ -- A new analysis from reveals that where you live and how you manage your credit may significantly affect what you pay for car insurance even more than your driving history. The findings are part of a broader education initiative tied to the company's latest report, How Often Should You Get a Car Insurance Quote?, which encourages drivers to regularly reassess their policies as insurers weigh unexpected factors in premium pricing. Key insights from the report and supporting data include: Your ZIP Code Can Add Hundreds to Your Annual Premium : According to analysis in Does Your Zip Code Impact Your Car Insurance Rates? , urban residents in high-density or high-claim areas can pay 20–40% more than drivers in neighboring ZIP codes—even when all other factors are equal. Theft rates, accident frequency, and even weather events can all play a role. Credit Score is Quietly One of the Biggest Factors in Pricing : Many drivers don't realize that their credit score can be as impactful as their driving record when it comes to setting rates. In The Role of Credit Score in Determining Insurance Rates , found that drivers with poor credit may pay up to 60% more than those with excellent credit even if they have a clean driving record. 2 in 3 Drivers Don't Know These Rules Exist : Consumer sentiment is one of confusion and frustration. According to internal surveys, fewer than 1 in 3 drivers are aware that non-driving factors like ZIP code and credit can impact their rates. The result? Many overpay without realizing they're being penalized for something unrelated to their behavior behind the wheel. Americans can get the best deal by checking their quote every 6-12 months : The article emphasizes the power of regular comparison shopping. With rates shifting due to economic and underwriting trends, checking quotes every 6–12 months is one of the most effective ways to save especially for those who've recently improved their credit or moved to a lower-risk area. "Drivers are often told that safe driving saves money. But too often, your ZIP code or FICO score does more to shape your premium than your time behind the wheel," said Fausto Bucheli, Founder & President at "We're committed to helping drivers take back control by understanding how the system works—and how to beat it." The Bottom Line: Knowledge is Savings offers a growing suite of tools and resources to help consumers better understand what's behind their rates and how to reduce them. From location-based quote comparisons to guidance on improving insurability, the platform helps drivers optimize their coverage without compromising protection. Explore the Full Report Visit to read How Often Should You Get a Car Insurance Quote? and access comparison tools, savings tips, and expert advice. About Founded in 1974, is a trusted insurance solutions broker dedicated to helping individuals and families across the United States find affordable, high-quality insurance coverage. With nearly five decades of experience, the company partners with top-rated national insurers to offer a wide array of products, including auto, SR-22, motorcycle, home, renters, life, health, RV, and boat insurance. simplifies the insurance shopping process through its user-friendly online platform, providing instant quotes tailored to each customer's unique needs. By combining unbeatable affordability with reliable coverage options, the company ensures that customers can secure the protection they need without compromising on quality. Headquartered in Chino Hills, California, is committed to delivering exceptional service and value to its clients nationwide. For more information, visit or contact info@ View original content to download multimedia: SOURCE
Otago Daily Times
11-06-2025
- Science
- Otago Daily Times
Pests curb deer repellent trial
Possums are interfering with a trial to find out if white-tail deer avoid bait laced with a deer repellent. The trial, taking place on Stewart Island, is designed by Manaaki Whenua — Landcare Research, which will analyse the data while Zero Invasive Predators (ZIP) staff do the field work. Non-toxic cereal bait, with and without deer repellent, is being placed in front of trail cameras to observe how white-tail deer interact with it. The trial is being carried out on public conservation land at Halfmoon Bay. Last year, the Department of Conservation (Doc) announced plans to drop 1080 cereal bait to reduce the feral cat population endangering the southern New Zealand dotterel/pukunui on Stewart Island. About 43,000ha of Rakiura National Park will be poisoned between June and September. The park, including bookable hunting blocks, will remain open during the operation but bait laced with deer repellent will be used within bookable hunting blocks only. ZIP operations director Duncan Kay said progress in the trial had been slower than expected, due to the thriving population of possums on the island. "They seem to be faster at finding these baits than the deer, reducing our chances of recording deer interactions." The trial, requested by hunters, aimed to find out if deer repellent reduced the impact of aerial 1080 on Stewart Island's white-tail deer population, Mr Kay said. It would also show if adding deer repellent reduced the effectiveness of 1080 cereal bait on key target species such as ship rats, Norway rats and kiore. So far 20 deer had interacted with the bait and none had eaten it, Mr Kay said. "We need to record at least 100 interactions, where a white-tail deer approaches close enough to see and smell the bait, to form a statistically meaningful data set." The trial would continue until sufficient data was collected, which could take several more months, he said. A second trial would run during the aerial 1080 operation, when bait containing deer repellent would be dropped in the bookable hunting blocks. Deer repellent had been used in aerial operations elsewhere in New Zealand and had been shown to reduce impacts on deer species including red deer, he said. It is estimated the six-year Predator Free Rakiura project to eradicate pests will cost between $85 million to $90m. New Zealand Deerstalkers Association president Callum Sheridan said his group advocated for the use of deer repellent in all 1080 bait. "The excuse is there is not enough budget for it." Each year the association met groups, including Doc, which planned to use aerial 1080 poisoning to discuss where deer repellent would be included in bait drops. However, the area where deer repellent was used was very small compared with the total area where 1080 was dropped, he said. "You would think it was a public safety risk, especially in the areas where people are going to harvest game meat, that you would just put deer repellent in it as a matter of course because that's the intelligent thing to do."
Otago Daily Times
04-06-2025
- General
- Otago Daily Times
Pests impede deer repellent trial
Possums are interfering with a trial to find out if white-tail deer avoid bait laced with a deer repellent. The trial, taking place on Stewart Island, is designed by Manaaki Whenua — Landcare Research, which will analyse the data while Zero Invasive Predators (ZIP) staff do the field work. Non-toxic cereal bait, with and without deer repellent, is being placed in front of trail cameras to observe how white-tailed deer interact with it. The trial is being carried out on public conservation land at Halfmoon Bay. Last year, the Department of Conservation (Doc) announced plans to drop 1080 cereal bait to reduce the feral cat population endangering the southern New Zealand dotterel/pukunui on Stewart Island. About 43,000ha of Rakiura National Park will be poisoned between June and September. The park, including bookable hunting blocks, will remain open during the operation but bait laced with deer repellent will be used within bookable hunting blocks only. ZIP operations director Duncan Kay said progress in the trial had been slower than expected, due to the thriving population of possums on the island. "They seem to be faster at finding these baits than the deer, reducing our chances of recording deer interactions." The trial, requested by hunters, aimed to find out if deer repellent reduced the impact of aerial 1080 on Stewart Island's white-tailed deer population, Mr Kay said. It would also show if adding deer repellent reduced the effectiveness of 1080 cereal bait on key target species such as ship rats, Norway rats and kiore. So far 20 deer had interacted with the bait and none had eaten it, Mr Kay said. "We need to record at least 100 interactions, where a white-tail deer approaches close enough to see and smell the bait, to form a statistically meaningful data set." The trial would continue until sufficient data was collected, which could take several more months, he said. A second trial would run during the aerial 1080 operation, when bait containing deer repellent would be dropped in the bookable hunting blocks. Deer repellent had been used in aerial operations elsewhere in New Zealand and had been shown to reduce impacts on deer species including red deer, he said. It is estimated the six-year Predator Free Rakiura project to eradicate pests will cost between $85 million-$90m. New Zealand Deerstalkers Association president Callum Sheridan said his group advocated for the use of deer repellent in all 1080 bait. "The excuse is there is not enough budget for it." Each year the association met groups, including Doc, which planned to use aerial 1080 poisoning to discuss where deer repellent would be included in bait drops. However, the area where deer repellent was used was very small compared with the total area where 1080 was dropped, he said. "You would think it was a public safety risk, especially in the areas where people are going to harvest game meat, that you would just put deer repellent in it as a matter of course because that's the intelligent thing to do."
Yahoo
03-04-2025
- Business
- Yahoo
ZipRecruiter, Inc. (ZIP): A Bull Case Theory
We came across a bullish thesis on ZipRecruiter, Inc. (ZIP) on Substack by Unemployed Value Degen and Value Don't Lie. In this article, we will summarize the bulls' thesis on ZIP. ZipRecruiter, Inc. (ZIP)'s share was trading at $6.27 as of April 2nd. ZIP's trailing and forward P/E were 34.29 and 31.15 respectively according to Yahoo Finance. kurhan/ ZipRecruiter (ZIP) has undergone a dramatic transformation, experiencing a steep decline in revenue from its 2022 peak of $905 million to $474 million in 2024. This 48% drop is a direct result of the ongoing white-collar hiring slowdown, exacerbated by the tech industry's efficiency-driven cost-cutting and the uncertain impact of AI on employment. Despite this downturn, ZIP remains a key player in the online job marketplace, leveraging its AI-powered job board to create value for both job seekers and employers. While overall hiring demand has slowed, ZIP has strategically focused on deepening its relationships with employers, leading to a significant increase in average spending per customer. Employers who started using ZIP in 2023 are already paying nearly double compared to their 2017 counterparts, showcasing the company's ability to extract more value from its existing user base even amid macroeconomic headwinds. The core challenge for ZIP is determining whether its revenue decline is a temporary cyclical setback or a more permanent loss of market share. Rough estimates suggest ZIP's market share in the online recruitment space peaked at 10% in 2022 but has since reverted to around 5% in 2024. This leaves open the critical question of whether the decline is primarily due to reduced hiring in ZIP's core industries or whether it is losing ground to competitors like Indeed and LinkedIn. The encouraging sign is that ZIP's most engaged employers continue to spend more, reflecting a sticky customer base that sees value in the platform. If white-collar hiring rebounds and ZIP can regain lost market share, its revenue could easily double from current levels. However, if the slowdown is structural rather than cyclical, ZIP may struggle to return to its previous highs. Despite the uncertainty, the valuation setup is compelling. ZIP is currently trading at just 1.22x price-to-sales, down from its peak multiple of over 3.0x. A simple return to historical multiples would more than double the stock price, but if revenues also recover, the potential upside becomes far more dramatic. A full return to peak revenue and valuation levels would imply a nearly 4.7x return. In a more aggressive scenario, where ZIP regains its lost employer base and scales further, the upside could reach 11x. The 48% decline in revenue understates the 66% decline in employers using the ZIP platform, and whether ZIP can reclaim this lost ground remains uncertain. However, with a sticky customer base and a strong value proposition, the company is positioned for significant upside if hiring conditions improve. Given the current price of $6.19, the price target for ZIP is between $25 and $64 at some point between 2026 and 2028. ZipRecruiter, Inc. (ZIP) is not on our list of the 30 Most Popular Stocks Among Hedge Funds. As per our database, 18 hedge fund portfolios held ZIP at the end of the fourth quarter which was 14 in the previous quarter. While we acknowledge the risk and potential of ZIP as an investment, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns, and doing so within a shorter timeframe. If you are looking for an AI stock that is more promising than ZIP but that trades at less than 5 times its earnings, check out our report about the cheapest AI stock. READ NEXT: 8 Best Wide Moat Stocks to Buy Now and 30 Most Important AI Stocks According to BlackRock. Disclosure: None. This article was originally published at Insider Monkey.
Yahoo
27-02-2025
- Business
- Yahoo
ZipRecruiter Shares Plunge Over 15% as Barclays Downgrades Stock, Slashes Price Target
ZipRecruiter (ZIP, Financials) shares dropped 15.9% to $5.66 on Wednesday after Barclays downgraded the stock from Overweight to Equal Weight and cut its price target from $10 to $6, citing concerns over earnings estimates and an uncertain revenue growth trajectory. Warning! GuruFocus has detected 5 Warning Signs with ZIP. Having dropped around 46% over the last year, the company now trades at a P/E ratio of 156x. Though its 2025 EBITDA margin projection fell short of expectations, ZipRecruiter posted fourth-quarter income of $111 million, above the average forecast of $107.77 million. Barclays underlined as a factor affecting profitability growing marketing and sales expenditures. The company expects difficulties ahead despite a gross profit margin of 89.5% and a current ratio of 7.4x. Through the purchase of UK-based company rating site Break Room and new product introductions to generate future income, ZipRecruiter has been broadening its market footprint. Strong user involvement was also shown by a 15% year-over-year rise in online traffic. Analysts remain wary about possible income growth in late 2025, which the business anticipates depending on a labor market rebound. Other companies also changed their views about ZipRecruiter. Goldman Sachs dropped its target to $8, still keeping a neutral rating; Evercore ISI trimmed its aim to $10. Investors are attentively observing how more marketing initiatives will affect general financial performance and revenue development. This article first appeared on GuruFocus. Sign in to access your portfolio
