Lifestyles

McQuiston: How Insurance Companies Actually Determine Auto Rates

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By ALLEN MCQUISTON
Jemez Insurance Agency
Serving Los Alamos Since 1963
Most people assume a car insurance quote is simple: plug in a few details, get a price.
In reality, that number is the result of thousands of data points, probability models, and assumptions layered on top of one another. 
Understanding how quotes are actually produced makes one thing clear: two people with nearly identical cars can receive very different prices—and it has less to do with the car than most people think.
Here’s what’s really happening behind the scenes.
 
1: You’re Placed Into a Risk Pool (Not Priced Individually)
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Seasonal Road Closures On Santa Fe National Forest

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SFNF News:

          • Use caution while driving on forest roads in the winter

SANTA FE — Due to winter weather conditions, the Santa Fe National Forest (SFNF) will close some forest roads susceptible to damage to protect public health and safety, infrastructure, and natural resources.

Seasonal road closures generally occur between December and May because of winter weather and hazardous road conditions. The closures prohibit the use of motorized vehicles, including all-terrain vehicles and motorcycles, on restricted roads when gates are closed, locked or posted with a closure sign.

Current and Read More

Los Alamos Public Schools Hosts Ribbon Skirt & Shirt Workshop For Native American Heritage Month

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More than 45 students and families attended the first LAPS Ribbon Skirt & Shirt Workshop last month in the Speech Theater at Los Alamos High School. Courtesy/LAPS

LAPS News:

Over 45 students participated in the first Los Alamos Public Schools (LAPS) Ribbon Skirt & Shirt Workshop held last month in celebration of Native American Heritage Month.

Students created their own unique and personalized ribbon skirt or ribbon shirt.

Students watch as ribbon pieces for a shirt are sewn together during the first Ribbon Skirt & Shirt Workshop hosted by Los Alamos Public Schools in celebration Read More

School For Advanced Research: National Museum Leaders Share Indigenous Collections Care Knowledge In New Series

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SAR News:

The School for Advanced Research in Santa Fe and the Gilcrease Museum in Tulsa have announced the launch of a free 2026 virtual speaker series for museum professionals and the public.

In this series, national museum leaders from Indigenous and non-Indigenous institutions will share how they are redefining collections care by centering Indigenous knowledge, authority, and lived experience.

The series precedes the national release of an Indigenous Collections Care Guide and features leading voices reshaping museum practice across the U.S.

Read full details here.

All sessions Read More

Clarification: Atomic City Transit Holiday Service Schedule

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COUNTY News:

In observance of the upcoming holidays, Atomic City Transit will not operate regular bus service or ATC MyRide on Thursday, Dec. 25 (Christmas Day) or on Thursday, Jan. 1, (New Year’s Day). 

Regular bus services and ACT MyRide will resume on Friday, Dec. 26, 2025, and Friday, Jan. 2, 2026, after the holidays. 

No peak service

  • From Dec. 26 through Jan. 2, bus routes will operate without peak service intervals. Routes 1 and 6 will continue operating on their standard schedules throughout the day, with Route 1 providing downtown circulator service every half hour and Route 6 serving
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Jewish Community Of Los Alamos Joined By Local Faith Groups For Hanukkah Candle Lighting Event At Ashley Pond

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The Jewish community of Los Alamos was joined by several faith groups on Tuesday night at Ashley Pond for a Hanukkah candle lighting and celebration on the third night of Hanukkah. The event was organized by the Los Alamos Jewish Center. Photo by Gary Stradling
Another scene from the Jewish community of Los Alamos, joined by several faith groups on Tuesday night at Ashley Pond, for a Hanukkah candle lighting and celebration on the third night of Hanukkah. The event was organized by the Los Alamos Jewish Center. Photo by Gary Stradling
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Fuselier: Life, Art, And God

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By ROBERT FUSELIER
Los Alamos 

Does art imitate life or does life imitate art? This question can stimulate a lot of discussion for us humans with our dualistic minds. Is the artwork a reflection of reality by the artist, or does the artwork influence the reality of the viewer? I’ll save my answer until later. Until then, I’m going to take my shot at being a film critic.

The latest of the Knives Out Mystery series, Wake Up Dead Man, would likely fit into the category where art imitates life. I guess the life-imitates-art counterpoint is dependent upon how the audience responds. Rather than delving into Read More