A Word From Our Sponsor On Being Prepared With Church Insurance

Churches of all sorts are gathering places used for more than just paying your respects to a creator. They provide a safe place to host social events, fundraisers, and other things a church can sponsor that may have a large number of people in attendance. While it is a blessing to have a place for these events to turn to, it does pose certain risks. Injuries may occur during an event; fundraising events may fall short, and even something like vandalism can create a real headache for your church.
Many religious organizations have invested in church insurance, because it’s affordable, and because insurance providers understand the obstacles that you may be faced with from day to day. You never know what may happen, but when these types of things occur, it can be very beneficial to have church insurance. Having this support offers a sense of security, so you don’t find yourself trying to shoulder the burden alone.
If you’re interested in looking around for an insurance policy, it is important to keep the specific needs of your church in mind. There are a number of plans out there that are available, and understanding these unique needs will help you determine which plans will serve your place of worship the best. It is important to protect your congregation as well as the building that they use for worship. Church insurance can be there to assist you should the unexpected happen.

A Word From Our Sponsor On The Kinds Of Legal Malpractice Insurance

At one time, a lawyer’s attention to detail and their practice of protecting themselves through careful wording and actions can make extra protection seem unnecessary. However, the increase in lawsuits of late is prime example of why legal malpractice insurance cost is money well spent. Here are a few of the different kinds of malpractice insurance you should be aware of.
Liability insurance is one of the more basic types of coverage. This covers claims made during a specified period of time. It is also generally not as extensive as other kinds of coverage.
It’s hardly worthwhile to have insurance at all if it will still leave you in debt after a claim is made. Umbrella coverage is a policy that typically covers more than just liability. It can be specifically tailored to fit your needs. This kind of legal malpractice insurance cost should definitely be considered because of the extra coverage it includes.
Another form of coverage is called Tail coverage. This is coverage that extends after a policy has expired. However, the incident claimed must have occurred during the original policy time frame.
It’s important to give careful consideration to what type of policy you pick and the legal malpractice insurance cost. You have unique insurance needs and it’s important to find a company that can customize a policy for you. When it’s all in place, you’ll have the peace of mind you deserve.

A Word From Our Sponsor On Why Homeowner’s Insurance Is A Smart Move

When you come to the point in your life when you are starting to look into purchasing a home, there’s a great deal of things to think about and consider, many of the which you’ve never really had to think about before. One of the things you’ll want to think about and consider as you go through the buying process is that of Orange County homeowners insurance. Insurance is like a safety net that can help provide you with a soft landing should anything bad happen to your new home. There are many reasons, in fact, that homeowner’s insurance is a good thing, let’s go over some of those reasons.

Pretty much everyone has to purchase a home through a mortgage loan. Few people have the sufficient funds to lay down money for a house themselves. For this reason, almost all lenders require that the home you are purchasing be insured. This is a way that they can cover their backs should something happen to your (their) home. An Orange County homeowners insurance policy will also save you from having all that financial burden of paying the bank back should something happen to your home. A mortgage is hard to enough to pay back even with a house, the last thing you’d want to do is be stuck with a mortgage payment after your house has been damaged or destroyed.

Removing a Truth, or Leg, for the Greater Good

Many years ago, a New York journalist wrote scathingly about City Hall, but found himself criticized for having committed serious factual errors. We’ll leave his name out of this because he is no longer with us. De mortuis, and all that. The point is that when the lapses became known, he shrugged them off, saying they did not undermine “the larger truth” he had conveyed.

The Day

Clyde Haberman offers his take on the news.

We now have another “larger truth” moment after a basic fact has been called into question. This time, it’s City Hall that is shrugging.

At issue is an anti-diabetes campaign just begun by the city’s Department of Health and Mental Hygiene. It’s the one with a poster of a seriously overweight man perched on a stool, cups of soda lined up in front of him. His right leg has been amputated below the knee. Nearby, crutches lean against a wall.

The message is that supersized portions of sugary drinks — and by extension, of fast food in general — have become routine, and as a result, so has the incidence of adult-onset diabetes. And diabetes, the ads warn, “can lead to amputations.”

Indeed it can. It is hard to argue against the poster’s admonition that if people reduced the amount of junk that they consumed, they would reduce their health risks. We are, after all, trapped in an obesity epidemic. Every sensible person understands that something needs to be done. The health department is doing its part.

Here’s the catch, though. That overweight man in the poster? He’s an actor named Cleo Berry. More important, he has two legs that work just fine. The health department’s advertising agency took a stock photo of him and altered it to make it look as if his leg had been cut off.

By the department’s count, diabetes leads to 3,000 amputations a year in this city. Among the thousands, was there not one man or woman who would have posed for the ad in the name of saving others?

Legally, there was no problem with altering the actor’s picture; he had signed a release permitting it. But did the ad agency — and thus its employer, the city — act ethically? Doesn’t a photo so heavily doctored amount to cheating?

The municipal response boils down to the “larger truth” defense.

Sunday night, in an exchange of messages with me on Twitter, Deputy Mayor Howard Wolfson rejected any suggestion of cheating. The poster’s claims about the perils of diabetes are “100% accurate,” he wrote. As for relying on an actor, Mr. Wolfson said, “many institutions, including your own, feature actors in ads.”

That is so. But they don’t usually distort reality so thoroughly as to maim the images of those actors — “Photochop” them to borrow from a New York Post headline on Monday.

Granted, tampering with pictures has been around almost since the birth of photography. A popular image of Lincoln was created by grafting his head to the ramrod-straight body of John C. Calhoun, a 19th-century vice president. Stalin erased his political enemies from photos. So did Mao. Questions still arise about the authenticity of Robert Capa’s iconic “Falling Soldier,” taken in 1936 during the Spanish Civil War.

With advertising, it is understood that the subjects of photo shoots are routinely enhanced to sell products. Nothing explicitly forbids it in the “standards of practice” adopted by the 4A’s, as the American Association of Advertising Agencies calls itself.

But the association’s “creative code” does include a pledge not to produce advertising that contains “false or misleading statements or exaggerations, visual or verbal.” That missing leg might qualify as visually misleading. At a minimum, it comes awfully close to crossing a line.

Nonetheless, the city clings to the “larger truth” doctrine.

“What’s important about this particular issue isn’t one creative choice but rather the 1.4 million New Yorkers who struggle with obesity, too many of whom contract diabetes and must undergo amputations to save their lives,” John Kelly, a health department spokesman, said in an e-mail to me on Monday.

Another city official said that, in this regard, “government is being held to a higher standard” than commercial enterprises are.

Yes it is. Shouldn’t it be?

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A City So Tough the New Police Dogs Shoot

Apache, a two-year-old German shepherd, tracked the suspect down a pitch-black passageway in the Brooklyn Bridge/City Hall subway station the other day, helped by the oldest of canine technology, his nose, and bearing the newest, an infrared camera harnessed to his back.

The camera transmitted images in real time to one of Apache’s trainers, Officer Richard Geraci, who stood a safe distance away as he followed the dog’s movements on a small monitor strapped to his wrist like an oversize watch.

The suspect was actually another officer and the exercise was part of a recent six-hour training session for Apache and his fellow trainees — Tank, Elvis and Ranger — who are the newest members of the Police Department’s transit bureau K-9 unit.

Officer Geraci and Officer Wayne Rothschild were leading the dogs and their handlers through exercises in criminal apprehension, tracking and agility, starting on Roosevelt Island and moving to Battery Park and the Brooklyn Bridge station before ending in the now-closed subway station known as the “old City Hall” station.

The current group of dogs, whose training started in September and ends in February, are the first New York Police Department dogs to be outfitted with a $9,000 infrared camera, the same type used by the Navy Seals in the raid on Osama bin Laden’s compound last year. A total of about 100 dogs work for the Police Department in Emergency Services, narcotics, the bomb squad and the transit bureau, which has about 30.

The camera allows officers to see what is happening and who might be lurking in dark areas like some parts of the subterranean system, the police said. In the event of an accident or a terrorist act, dogs with cameras might be able to get to spaces that officers cannot.

“The cameras can save officers’ lives by enabling us to see what’s down the field before we go there,” said Lt. John Pappas, who has led the transit bureau K9 unit since 2006.

The camera was one of several purchases made by the Police Department with approximately $100,000 in grants from the Federal Emergency Management Agency and the Transportation Security Administration. Other newly acquired high-tech equipment includes a canine GPS tracking system to follow the trail of dogs tracking a scent; a dog collar that emits light; and two custom-built mobile kennel trucks equipped with air-conditioning and food so the dogs can rest, eat a meal if the unit is deployed overtime, or cool down from summer heat. The trucks, which were designed by Officer Geraci, can store enough food to feed the dogs for up to a month, so they can be transported to disaster scenes in other regions if needed.

“We’re all sheepdogs looking for wolves, and my job is to keep my flock safe,” Lieutenant Pappas said.

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Helen Gurley Brown Gives Columbia and Stanford $30 Million

Helen Gurley Brown, the former editor of Cosmopolitan, has given a $30 million donation to Columbia and Stanford Universities to help them start a center for media innovation, Brian Stelter reports on Media Decoder. The center would be housed on both campuses, representing “the increasingly important connection between journalism and technology, bringing the best from the East and West Coasts,” the schools wrote. The center will be named for Ms. Brown and her late husband, David Brown. An $18 million portion earmarked for the Columbia Journalism School was the largest donation in its history. Read more on Media Decoder »

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Looking for That Midnight Train to Jamaica?

Riders who find themselves on the New York City subways late at night know, or learn quickly, that their journeys might not follow the routes on the maps posted in stations or handed out at booths.

The C train, for instance, mysteriously disappears, while the No. 3, a long-distance runner of sorts, cuts its rides to a sprint.

On Monday, the Metropolitan Transportation Authority, in an effort to help its nocturnal passengers, released a map that shows what service really is like, officially at least, for the 250,000 people who ride the subways on weeknights from midnight to 6 a.m.

The new map, a companion to the weekend service change guide called the Weekender, which was unveiled in September, explains mysteries that late-night subway riders until now have often learned by reading the sometimes haphazardly posted signage, or consulting fellow, sometimes inebriated, passengers.

To wit: The C train retires for the night and lets the A train step in to cover its local stops. The N runs local through the Financial District instead of over the Manhattan Bridge. The 4 train extends its Brooklyn run by seven stops out to New Lots Avenue, filling in for the 3.

Gene Russianoff of the Straphangers Campaign said the map answered questions he had wondered about on late-night trips, like why he once spotted a D “ghost train” on the R track.

“Sometimes you have to be Magellan to figure out how to navigate the New York subways,” Mr. Russianoff said. “This definitely makes it easier.”

Unlike the Weekender, which can be found only online, the late-night map has been printed in a limited run, and a total of 25,000 copies are available at the Transit Museum in Grand Central Terminal and the New York Transit Museum in Downtown Brooklyn.

Andrew Albert, who sits on the transportation authority’s board as a representative of the riding public and who is known for identifying errors in New York City subway maps, said that he was pleased with the map and that it looked accurate.

“I have been combing it for errors,” he said. “This is good. They should have this posted in stations.”

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A Word From Our Sponsor On Do You Need Profession Specific Business Insurance

Business insurance Orlando policies look different depending on the business it is meant for and the insurance company that puts the policy together; most potential business owners know they need some form of liability insurance, property insurance, and/or employment insurance if they are starting their own business, but different professions may require different types of insurance, or even surety bonds. For example, contractors of all types typically purchase their own liability insurance as well as various forms of contractors insurance that are necessary for various stages of construction.

Medical doctors, lawyers, accountants, financial experts etc., are highly trained experts and they typically purchase professional liability insurance to protect them in the event that a client brings suit against them. Without professional liability insurance you could lose your firm or practice depending on your profession. Many professionals, including contractors, are also legally required to purchase surety bonds once or multiple times. Surety bonds are usually purchased by licensed professionals so their clients and the state will know that in the event that the professional does not do a job as hired, the surety bond can pay out to the client.

Business insurance Orlando can get complicated if you are a professional, and the best thing to do is to talk to a knowledgeable and professional insurance agent who can walk you through the legal requirements for your business.

A Word From Our Sponsor On Protecting Yourself With Professional Liability Insurance

If you are a legal professional, then you may have heard statistics that suggest that four percent of legal professionals face lawsuits each year. If you have a large law firm, you can see that the odds of facing a lawsuit are higher than if you have a small firm. However, when you consider the fact that professional liability insurance is available to protect you whether you are part of a large or a small firm, you may want to know more about it.
First, you need to know that this type of insurance is not like other kinds of insurance. It is not designed to protect you from physical damages, such as injuries that require hospitalization that occurred in your office. General insurance is required for that type of coverage and provides specific coverage for specific things. Professional liability insurance on the other hand, will cover you for the specific period that the policy is in force and will cover litigation that arises because of perceived negligence on your part that may have caused a financial burden to your client.
Not only can professional liability insurance protect you from the expenses incurred to fight a lawsuit, but it can also be designed to cover the amount of time you would lose defending yourself against such a claim. Having someone else to represent you saves you time and money.

Mother, Accused of Abandoning Children, Is Arrested

A woman who abandoned her 3-year-old and 5-year-old daughters in front of a Brooklyn housing project on Sunday afternoon has been arrested, the police said.

The woman, Dalisha Adams, 26, is charged with two counts of endangering the welfare of a child, a misdemeanor, the police said.

The girls, whose names were reported by The Daily News as Domini and Dioni, were found around 2:45 p.m. by a good Samaritan standing near the Bay View Houses at East 102nd Street and Shore Parkway in Canarsie, the police said.

Domini, the older girl, told officers that they lived in “a blue house with flowers in front” and that their mother’s name was Dalisha, The News reported. Ms. Adams lives in the Breukelen public-housing complex
on Glenwood Road near East 105th Street, the police said, about a mile and a half from where the girls were left.

The police said Monday that the girls were in good condition and had been placed in the care of the Administration for Children’s Services, which did not immediately respond to an inquiry about them.

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