A Brief Overview Of 3 Common Types Of Insurance

Insurance is your back up safety plan for unthinkable, unexpected, untoward incidents in professional and personal life. Your insurance plan is your line of defense in different types of situation. Generally, it is seen that when you file for an insurance claim, you feel that you didn’t get a fair and reasonable compensation which you should have. You feel undone and rue about all those premiums that you paid over the years. Often, we are responsible for our own mistakes which we made while purchasing an insurance cover.This article is composed with intention to underscore some common mistakes which you can avoid while choosing different types of insurance covers for yourself. This article can help you to take the right decision and avoid any confusion during the claim. Here are some common mistakes that you should refrain from doing in order to get the right value for money on your insurance.Life Insurance: You purchase life insurance policy so that your dependents can receive the financial support when you are not around anymore. At the same time, you would also need to consider how much amount you want your dependants to have. A rule of thumb says that you should calculate your annual salary and consider ten times your annual salary for your dependents. Do not underinsure and do not delay your decision of buying life insurance policy because tragedy can strike anytime and your dependants might struggle to maintain a decent standard of living in your absence. Do not let your insurance agent what’s suitable for you and what’s not; use your own discretion and choose only that policy which caters to your needs and requirements. It makes sense to buy a complete life insurance policy which will prove cheaper and more effective in the long run.Home Insurance: Many people buy home Insurance which is a sensible decision as your home can get damaged due to natural catastrophes and human error. Renovation and rebuilding costs are too high to be afforded by a layman. However, your task doesn’t end with buying a home insurance coverage. Do not make the mistake of including land in your estimate as you only get paid to rebuild or renovate the structure. Be extra careful if you are residing in sensitive areas prone to natural disasters and before you decide to buy house in such areas, make sure you have checked insurance requirements for that particular area. Also, inform your insurance agency of any structural changes made in your home so that your claim does not get rejected.Church Insurance: Church needs insurance covers to defend itself against possible lawsuits and receive a fair and reasonable amount of monetary compensation in case its property and assets are damaged/stolen or destroyed due to unforeseen circumstances. Churches have their own building, vehicles, employees, assets and equipments, which are prone to damage through one way or the other. Since a large number of churches rely on donations, they might find it very difficult to compensate for any type of loss by themselves. Helland agency church insurance has the exceptional knowledge in the church industry and an ability to offer diverse coverages from multiple insurance companies.

High percentage of US patients on placebos without knowing it

Friday, January 4, 2008

Prescription placebos used in research and practice.

A new study amongst doctors in the United States on the use of placebos—pills with no medical effect—shows that almost half of the questioned practitioners prescribe placebos, most of them within the last year.

The majority of 466 faculty physicians at Chicago-area medical schools interviewed by a research group of the University of Chicago stated that placebos are useful to calm a patient down or to respond to demands for medication that the doctor disagrees with, i.e. “to get the patient to stop complaining”.

96 percent of the physicians surveyed believe that placebos can have therapeutic effects. Close to 40 percent stated that placebos could benefit patents physiologically as well as mentally.

Twelve percent of surveyed physicians think that placebos should be banned from clinical practice. Among the doctors who prescribed them, one in five said they outright lied to patients by claiming a placebo was medication. But more often the physicians came up with ways to explain like that “this may help you but I’m not sure how it works.”

The American Medical Association (AMA), the largest association of U.S. doctors and medical students, tells its members that “[p]hysicians may use placebos for diagnosis or treatment only if the patient is informed of and agrees to its use.” The research, published in Journal of General Internal Medicine this week, is the first major U.S. study of doctors on the use of placebos since 1979.

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Wikinews interviews Joe Schriner, Independent U.S. presidential candidate

Saturday, April 17, 2010

Journalist, counselor, painter, and US 2012 Presidential candidate Joe Schriner of Cleveland, Ohio took some time to discuss his campaign with Wikinews in an interview.

Schriner previously ran for president in 2000, 2004, and 2008, but failed to gain much traction in the races. He announced his candidacy for the 2012 race immediately following the 2008 election. Schriner refers to himself as the “Average Joe” candidate, and advocates a pro-life and pro-environmentalist platform. He has been the subject of numerous newspaper articles, and has published public policy papers exploring solutions to American issues.

Wikinews reporter William Saturn? talks with Schriner and discusses his campaign.

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New Jersey real estate investor charged with $2 million theft

Friday, March 20, 2009

The owner of a New Jersey real estate investment firm has been charged with using $2 million of his company’s money for construction at his home and other projects not related to work.

Gary Klein, owner of the Asbury Park-based REI Group Inc., surrendered himself to police after a Monmouth County grand jury indicted him on one count of theft by deception charges.

The charges were the result of a three-year investigation into his practices. Klein, 45, of Colts Neck Township, faces up to 10 years in state prison if convicted. Klein was released Friday after posting $75,000 bail.

Klein attracted clients by telling them he would invest their money in projects that would result in returns of 12 and 85 percent. Prosecutors said the actions mirrored those of a Ponzi scheme.

Robert Weir, Klein’s attorney, said the operation was not a Ponzi scheme, but legitimate business investments that went bad as the economy declined. Weir also said Klein hired a receiver to try and return the investors’ money once the investments started to go sour.

“It’s a shame that a business that experienced a turn in the real estate market is now being treated as a criminal problem. That was not Mr. Klein’s intent,” Weir said to The Star-Ledger.

Weir said the investments were used for building rehabilitation projects in Asbury Park and the construction of Florida condominium complexes, but authorities said Klein used the money to repay earlier investors who were cashing out, as well to help build his own home.

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A Professional Paving Company In Lancaster, Pa Can Make Your Driveway Look Brand New Again

byAlma Abell

If your driveway is showing some wear and tear or your commercial parking lot is bumpy and has lines you can no longer see, a professional paving company in Lancaster, PA can help. They perform all sorts of asphalt and concrete paving services for both homes and businesses, and no job is ever too small or too large for them. A competent paving company can get rid of bump, buckles, and cracks, repaint the lines in a parking lot, and even seal-coat a driveway so that it is smooth once again.

[youtube]http://www.youtube.com/watch?v=jeFNunnYiKY[/youtube]

Trust Them for the Right Job

Although there are some over-the-counter products for making your driveway look better, they are never as good as the ones used by a professional paving company. These companies have high-quality materials and the most advanced tools so that when they’re done, your parking lot or driveway is smooth, clean, and even. Most of them can be found online, and when you visit Leacockpaving.com, you can easily get an idea of everything they offer, which is essentially everything you need to get your driveway or parking lot looking spectacular again.

Expert Results and Reasonable Prices

Even though a professional paving company does a tremendous job with all your paving needs, their prices are very competitive and reasonable. Moreover, they offer free quotes before any work is begun, because they aim to work closely with all their customers to provide them with top-notch service that is easy to afford. After all, they not only want you to be satisfied with the work they’ve provided, but they also want you to come back should you need them in the future. These companies provide services that are guaranteed to look the way you want them to, and they don’t stop until you are completely satisfied.

New York executive files $60 million libel lawsuit over insurance scandal

Tuesday, August 23, 2011

Eliot Spitzer is now the subject of a new libel lawsuit relating to an article he wrote on an insurance bid-rigging scandal. Image: US Department of State.

A former Marsh & McLennan Cos. executive has hit former New York Governor Eliot Spitzer with a $60 million defamation lawsuit over an online magazine article regarding an insurance bid-rigging scandal.

William Gilman, a former Marsh managing director, filed a complaint last Friday in the U.S. District Court in Manhattan, over allegations Mr. Spitzer defamed him in a Slate article published a year ago. A copy of the complaint was made public on Monday.

Gilman, who had a final insurance fraud charge dismissed in January, said Spitzer acted with “actual malice” by suggesting that he was guilty of crimes of which he was never accused.

Although he wasn’t named in the article, Mr. Gilman complained that Spitzer defamed him by writing that “Marsh’s behavior was a blatant abuse of law and market power: price-fixing, bid-rigging and kickbacks all designed to harm their customers and the market while Marsh and its employees pocketed the increased fees and kickbacks.”

“While Mr. Spitzer’s statements do not refer to Mr. Gilman by name, Mr. Gilman is readily identifiable as the subject of the defamatory comments,” said the complaint. “Mr. Spitzer was well aware of his own allegations as attorney general and the resolution of those allegations in favor of Mr. Gilman and yet, recklessly disregarded these facts.”

In 2004 Mr. Spizter, then the state’s Attorney General, announced an investigation into the practices at Marsh & McLennan, particularly fees paid by insures to brokers who place business with them. Gilman, who worked for the company at the time, was charged in 2005 with 37 counts of insurance fraud. Gilman’s final charge was dropped last January.

“I haven’t seen the lawsuit and so will not comment on it,” said Spitzer. “The illegalities rampant at Marsh & McLennan leading to their fine of $850 million and the multiple judicial findings of illegality are clear from the public record.”

Mr. Gilman is now seeking at least $10 million in compensatory damages; $20 million in general damages, including damage to his reputation; and $30 million in punitive damages.

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Southern Australian munitions factory explodes

Wednesday, May 10, 2006

An Australian munitions factory exploded in South Australia. Two people were killed, another two were injured and one is still missing.

The factory produced explosives for quarrying, civil engineering and the military.

The explosion leveled everything within 100 metres and could be heard from 70km away.

Emergency services have been held back to a one kilometre radius of the factory until an explosives expert from Adelaide could come.

“It’s very dangerous, so we’re holding back,” police inspector Phil Warwick said, “It’s an explosives factory. All right it’s exploded, but that doesn’t mean all the explosives have gone. There’s still smoke coming from the area, which means there must be fire or heat. Put them (remaining explosives and fire) together and we could have another (explosion).”

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Multi Purpose Applications Of Stamp Concrete In Los Angeles

Multi-purpose applications of stamp concrete in Los Angeles

by

Stacey Stacey

Plenty of house owners in Southern California opt for stamp concrete as the perfect surface for their pools and driveways. Stamp concrete in Los Angeles for indoors as well as outdoors is the ideal option as it allows you to pick a particular design style of your interest out of numerous styles, and also takes well to stained finishes, giving you yet more customized options for colors. Even if that you are not yet satisfied with this, perhaps the best reason for choosing such concretes is that it is good looking at the same time inexpensive to install when compared to the high-priced brick, flagstone or cobblestone, yet gives a remarkably similar appearance.

[youtube]http://www.youtube.com/watch?v=wZOVvj0UnNE[/youtube]

The stamp concrete in Los Angeles gives your driveway a grand stunning appearance for all who drive up to your home. Not merely does this decorated stamped concrete driveway facilitates a resilient surface for driving, but it can also be used to tie your driveway into your home and landscape, especially if these type of concrete styles are used in other areas around the home. Apart from patio or driveway, ask your contractor for stamp concrete Los Angeles to install some stamped concrete pattern walls in your beautiful home to provide a great base for an entry gate to the driveway. The paving company in Los Angeles will offer you more suggestion for putting this type of concrete to best use for the look you desire. In the same way, you can radically change the appearance of your swimming pool by installing with the latest trend stamped concrete pool. In Southern California it becomes a common aspect for the houses, having a swimming pool lie at your back yard. Several house owners opt for Pavers contractor Los Angeles to get the magnificent look from stamped concrete styles, hence the appearance of the pool and their surrounding areas are vital. Sometimes your swimming pool may be located above or below your home. So obviously, you will also need stairs, as well as sidewalks and pavement. In this regard, you can choose stamped concrete designs for all of these in order to blend in seamlessly with your elegant swimming pool. Stamp concrete Los Angeles

also ideal for other outdoor projects like patio to your landscape, etc. Pavers Los Angeles is one of the renowned companies in California exercising 15 years in specialized services not only in stamped concrete but also in retaining wall and

block wall Los Angeles

services.

Pavers Los Angeles is a recognized paving company in LA, offering professional services in stamp concrete Los Angeles like concrete staining, concrete tinting, concrete overlay, concrete resurfacing, concrete restoration, etc. Kindly visit our link

pavingcompanylosangeles.com

for more details.

Article Source:

ArticleRich.com

Chilean earthquakes: in pictures

Thursday, March 18, 2010

On February 27, Chile was hit by an magnitude 8.8 earthquake; almost 500 were killed, with resulting tsunami destroying most coastal towns between Llolleo and Araucanía Region. A second earthquake last week, with its epicentre in Pichilemu, caused destruction in the Coquimbo and Bío Bío regions.

A Wikinews contributor is in the area, and we look at the extent of this natural disaster’s damage through his photographs.


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People camping in La Cruz Hill, Pichilemu. They even constructed little houses, to make their stay more comfortable. Image: Diego Grez.

People camping in La Cruz Hill, Pichilemu. They even constructed little houses, to make their stay more comfortable. Image: Diego Grez.

Church of Santa Cruz, after the February earthquake. Image: Diego Grez.

Church of Santa Cruz, after the February earthquake. Image: Diego Grez.

The Arturo Prat square before and after the earthquake and tsunami in Pichilemu. Image: Diego Grez.

The Arturo Prat square before and after the earthquake and tsunami in Pichilemu. Image: Diego Grez.

Boat after the tsunami in Pichilemu. Image: Diego Grez.

Boat after tsunami in Pichilemu. Image: Diego Grez.

Military representatives in La Cruz Hill, Pichilemu after the March earthquake. Image: Diego Grez.

Military representatives in La Cruz Hill, Pichilemu, after the March earthquake. Image: Diego Grez.

On-scene soldiers on a truck, in Lolol, after the March earthquake. Image: Diego Grez.

On-scene soldiers on a truck, in Lolol, after the March earthquake. Image: Diego Grez.

Destroyed balustrades and the ceiling of a kiosk over another balustrade, near Pichilemu beach. Image: Diego Grez.

Destroyed balaustrades and the ceiling of a kiosk over another balaustrades, near the beach of Pichilemu. Image: Diego Grez.

Lolol church after the March earthquake. Image: Diego Grez.

Lolol church after the March earthquake. Image: Diego Grez.

Many houses in Lolol were declared Historic Monuments of Chile. This is one of many that are going to be demolished. Image: Diego Grez.

Many houses in Lolol were declared Historic Monuments of Chile. This is one of many that are going to be demolished. Image: Diego Grez.

Destroyed building Mirador by the tsunami in Pichilemu, and also by a kiosk/container. Image: Diego Grez.

Destroyed building Mirador by the tsunami in Pichilemu, and also by a kiosk/container. Image: Diego Grez.

Cars driving to La Cruz Hill in Pichilemu, a few hours after the disaster. Image: Diego Grez.

Cars driving to La Cruz Hill in Pichilemu, a few hours after the disaster. Image: Diego Grez.

Chilean singer Joe Vasconcellos did a free solo tour in Chile after the Pichilemu and Maule earthquakes. Pictured is his performance in La Cruz Hill, Pichilemu. Image: Diego Grez.

Chilean singer Joe Vasconcellos did a free solo tour in Chile after the Pichilemu and Maule earthquakes. Pictured during his performance in La Cruz Hill, Pichilemu. Image: Diego Grez.

House in front of the Main Beach of Pichilemu after the tsunami and earthquake combo. Image: Diego Grez.

House in front of the Main Beach of Pichilemu after the tsunami and earthquake combo. Image: Diego Grez.

Bucalemu was severely impacted by the February tsunami and earthquake; this picture taken after the March temblor. Image: Diego Grez.

Bucalemu was severely impacted by the February tsunami and earthquake; this picture taken after the March temblor. Image: Diego Grez.

Many houses were destroyed after the earthquake in Lolol because they were old and made with rustic materials. Image: Diego Grez.

Many houses were destroyed after the earthquake in Lolol, because they were old and made with rustic materials. Image: Diego Grez.

Another destroyed house, a few meters behind the Lolol church. Image: Diego Grez.

Another destroyed house, a few meters behind the Lolol church. Image: Diego Grez.

Pichilemu highway, the day of the earthquake and tsunami. Image: Diego Grez.

Pichilemu highway, the day of the earthquake and tsunami. Image: Diego Grez.

Most of the balustrades around Ross Park in Pichilemu were destroyed after the 2010 Pichilemu earthquake. Image: Diego Grez.

Most of the balustrades aroundRoss Park, in Pichilemu, were destroyed after the 2010 Pichilemu earthquake. Image: Diego Grez.

Destroyed kiosks after the tsunami in Pichilemu. Image: Diego Grez.

Destroyed kiosks after the tsunami in Pichilemu. Image: Diego Grez.

Just one kiosk and some bathrooms in front of the Arturo Prat Square survived the tsunami in Pichilemu. Image: Diego Grez.

Just one kiosk and some bathrooms in front of the Arturo Prat Square survived the tsunami in Pichilemu. Image: Diego Grez.

The Cahuil Bridge was severely damaged after both quakes. It is broken in half and is a serious danger to motorists. Image: Diego Grez.

The Cahuil Bridge was severely damaged after both quakes. It is broken in half and is a serious danger to motorists. Image: Diego Grez.

Several houses were destroyed in the town of Bucalemu, almost 40 kilometers from Pichilemu. In this picture, a house located in front of the beach was later thrown in the half of the roadway. Image: Diego Grez.

Several houses were destroyed in the town of Bucalemu, almost 40 kilometers from Pichilemu. In this picture, a house located in front of the beach was later thrown in the half of the roadway. Image: Diego Grez.

Cobquecura, epicentre of the February earthquake.

Cobquecura, the epicentre of the February quake.

The building Alto Río, in Concepción, collapsed after the February earthquake. Image: Claudio Núñez.

The building Alto Río, in Concepción, collapsed after the February earthquake. Image: Claudio Núñez.

A severely damaged building in Maipú. Image: Jorge Barrios.

A severely damaged building in Maipú. Image: Jorge Barrios.

Collapsed Vespucio Norte Express Highway in Santiago, after the February earthquake.

Collapsed Vespucio Norte Express Highway in Santiago, after the February earthquake.

The damaged Museum of Contemporary Art, after the February earthquake.

The damaged Museum of Contemporary Art, after the February earthquake.

Aftermath of the February earthquake and tsunami in San Antonio. Image: Atilio Leandro.

Aftermath of the February earthquake and tsunami in San Antonio. Image: Atilio Leandro.

Damaged Autopista del Maipo, near the city of Chada. Image: Lufke.

Damaged Autopista del Maipo, near the city of Chada. Image: Lufke.

People trying to buy gasoline, in Chillán. Image: JOjo Jose Tomas.

People trying to buy gasoline, in Chillán. Image: JOjo Jose Tomas.

Fire in the University of Concepción, after the February earthquake.

Fire in the University of Concepción, after the February earthquake.

Destroyed houses in the Maule Region. Image: Pontificia Universidad Católica de Chile.

Destroyed houses in the Maule Region. Image: Pontificia Universidad Católica de Chile.

Fire in a plastics factory, in Ruta 5 Norte.

Fire in a plastics factory, in Ruta 5 Norte.

Chillán‘s Medialuna, after the February earthquake.

Chillán‘s Medialuna after the February earthquake.

House in Pelluhue after the February temblor. Image: Caritas Linares.

House in Pelluhue after the February temblor. Image: Caritas Linares.

US President Barack Obama holds a conference call from the Situation Room of the White House concerning the February earthquake.

US President Barack Obama holds a conference call from the White House Situation Room.

President Sebastián Piñera visits ONEMI after the February quake. Image: Sebastián Piñera E..

President Sebastián Piñera visits ONEMI after the February quake. Image: Sebastián Piñera E..

Zones affected by the February earthquake. Image: B1mbo.

Zones affected by the February earthquake. Image: B1mbo.

Map of Chile showing the epicenter of the February quake.

Map of Chile showing the epicenter of the February quake.

USGS shake map of the February earthquake.

USGS shake map of the February earthquake.

USGS shake map of the March earthquake.

USGS intensity map of the March earthquake.

USGS intensity map for the most strong aftershock of the temblor. Image: USGS.

USGS intensity map for the most strong aftershock of the temblor.Image: USGS.

An animation showing the movement of tsunami waves caused by the temblor. (view large version) Image: NOAA Center for Tsunami Research.

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St. Lucian footballer Philip Tisson shot dead in Brooklyn, New York

Tuesday, August 31, 2010

Philip Tisson, a member of the Saint Lucia national football team, has been killed by a gunshot wound to the head in New York. Tisson was in New York participating in the Digicel Caribbean Cup tournament.

Several members of the team were at Tropiks Bar and Grill in Brooklyn celebrating an earlier victory over Saint Kitts and Nevis. At 4.30am, Tisson entered a parked car outside of Tropiks. While seated in the rear of the car, Tisson was shot in the head. Three women were in the car at the time of the shooting, with one requiring medical attention for a shoulder wound.

According to teammate Sheldon Emmanuel, Tisson left the bar at 3:30 A.M. (EST) with an unknown woman. Tisson’s brother remained with his teammates and only found out about the shooting afterwards by phone. Emmanuel also stated that no one witnessed Tission involved an argument with anyone. A police official said that there are no known suspects. Police are waiting for video evidence.

Tisson had scored in the Saint Kitts and Nevis game. St. Lucia advanced to the finals with their win over Saint Kitts and Nevis to face Jamaica. The team stated they will still play in the final on Sunday “despite the loss of a friend, a teammate and one of their most powerful players”.

In St. Lucia, Tisson is survivied by his three year-old daughter.

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