Am I buying the right policy?
sports volunteers can be sued?
Accident Medical Coverage - Coverage for medical expenses (doctor bills, ambulance, hospital, and medication bills) incurred as a result of an injury while participating in an insured activity. This is typically written on an excess basis over any other collectible medical insurance the injured person might have available to them. The coverage responds only to injuries sustained while that person is participating in your activities.
Accidental Death & Dismemberment - Coverage for the accidental death, or the loss of limb or limbs as a result of participation in an insured activity or event.
Aggregate - A limit, specified in the policy, that is the maximum total amount that the policy will pay for all losses sustained during the policy period. Aggregate limits typically appear in General Liability policies, but are not often used in property insurance, except with respect to certain catastrophic exposures such as earthquake or flood. There may be several aggregates within the policy. One is a coverage aggregate, while the other is a policy aggregate. The coverage aggregate is the most that particular coverage will pay for all losses incurred during the policy period. The policy aggregate is the most the policy will pay for all coverages for all losses incurred during the policy period.
Application - A questionnaire which is filled out by a person seeking a coverage quotation from an insurance company. The questionnaire contains information required by the insuring company to evaluate the risk, underwrite the exposure, and rate the hazards and coverages being requested. Applications are typically completed by the insured party, but the party's representative (agent or broker) may also complete the form on the party's behalf. There may be multiple applications, depending on the scope of the coverage being requested. Most applications, particularly in Personal Insurance, are actually attached to and made a part of the insured's policy (this is not the case with Property & Casualty policies issued by SportsInsuranceHawaii.com, where the application is merely the means to obtain information, and not made a part of the policies we issue, but does apply to our Disability insurance programs).
Assumption of Risk - A contract under which one party's legal liability for damages is assumed by the other party to the contract.
Audit - An examination of the books of accounts, vouchers or other records of a person, corporation, firm or other organization for the purposes of ascertaining the accuracy or inaccuracy of the record ( in insurance, the rating base).
Automatic Additional Insured - A clause in the policy that extends coverage to specified persons or organizations who may be involved in your activities or operations, without you having to specifically request them by name. Typically these are landlords, lessors or equipment or municipalities. However, coverage will usually extend as their interest may appear in your activities or operations only.
Automobile Liability Coverage - Protection for the insured (you) against loss arising out of legal action (liability) when his/her auto injures others or damage their property (includes Bodily Injury Liability and Property Damage Liability).
Automobile Physical Damage - The Collision and Other Than Collision coverage provisions in the Automobile insurance policy.
Bind Order - The oral or written acceptance of a quotation of insurance by the insured party.
Binder - A written document reflecting immediate insurance protection, valid for a specified period of time. Designed to provide temporary coverage until the actual policy can be issued. The binder provides a summary of coverage to be provided by the policy, along with pertinent information such as limits and coverages.
Blanket Coverage - A blanket form is one in which property is insured under a single amount applying to several different pieces of property rather than a specific amount of insurance on each property.
Bodily Injury Liability Insurance - This coverage protects an insured against legal action (liability) for injury to another person arising from an accident or occurrence.
Boiler & Machinery - Mechanical Breakdown - This form of insurance provides mechanical breakdown coverage generally not available under any other insurance policy. This provides protection against the catastrophic effects of property loss, such as a steam boiler explosion or an expensive breakdown of machinery and equipment. This includes more than just boilers and steam vessels, but also includes refrigeration equipment, air conditioning equipment, various types of piping, turbines, engines, pumps, compressors, blowers, gearing, shafting, electric motors, generators, transformers, and assorted other types of mechanical and electrical equipment.
Bound - The past tense of bind, an account that has already had the quotation of coverage accepted by the insured party.
Exclusion a. is amended to include coverage for reasonable force to protect persons or property.
Coverage for Non-Owned Watercraft is extended to include watercraft up to 51 ft. in length.
Coverage for cost of bail bonds is increased from $250 to $1000.
Coverage for the reasonable costs incurred by the insured at our request is increased from $250 to $500.
Coverage for newly acquired or formed organizations is increased from 90 days to 180 days.
Bodily Injury definition is redefined to include mental anguish, mental injury, shock, fright, humiliation, or emotional distress.
Damage to premises rented to you is expanded to both fire and explosion.
Fire Damage Legal Liability coverage is increased from $50,000 to $300,000.
Business Income - Coverage for loss of income in case the insured's business is shut down by a covered cause of loss. It often pays for such expenses as the rebuilding of an accounts receivable data base, cleaning computers, leasing temporary office space, and similar losses associated with a disaster.
Cancellation - The discontinuation of the insurance policy before its normal expiration date.
Carrier - The insurance company or the one who agrees to pay for covered losses.
Casualty Insurance - (also referred to as liability insurance) Insurance primarily concerned with the legal liability for losses caused by injury to persons or damage to property of others. Also includes, among other coverages, automobile, workers' compensation, employer's liability, general liability, plate glass, theft and personal liability. It excludes life, fire and marine insurance.
Claims-made Form - A type of liability policy which covers claims which are presented to the carrier while the policy is in effect. Once the policy has expired, no claim is paid under the policy which had not been presented to the carrier, even if the claim occurred during the policy period.
Coinsurance - A provision in the property insurance policy which requires the insured to carry insurance equal to a certain specified percentage of the value of the property for the insured to receive full payment of a loss up to the amount of the policy. Otherwise, payment would be only a percentage of the actual loss (penalty), the percentage is determined by the amount of insurance carried to what should have been carried, as determined by the carrier.
Collision Insurance - Protection against loss resulting from any damage to the policyholder's automobile caused by a collision with another vehicle or object, or by upset of the insured automobile, whether it was the insured's fault or not (other than his/her own willful act).
Combined Single Limit - A liability coverage limit that combines both Bodily Injury and Property Damage into one aggregate amount.
Commercial General Liability Policy - Often referred to as CGL, this policy provides broad protection for situations in which a business must defend itself against lawsuits or pay damages for personal injury or property damage to third parties. The two basic coverage forms available under the CGL are an occurrence form and a claims-made form, providing an extended reporting period. These forms include the following coverages: Bodily Injury and Property Damage Liability; Personal Injury and Advertising Injury Liability; Medical Payments; and as applicable, Products and Completed Operations coverage. Unless modified, an aggregate limit applies to the first three coverages, and a separate aggregate applies to the Products and Completed Operations coverage. Coverage is provided for most of the premises, products, completed operations, personal injury, advertising, and contractual liability exposures of an organization. This coverage form may be issued as a stand alone policy, or in conjunction with other coverage forms like Commercial Auto, Property, or Inland Marine.
Commercial Insurance Coverages - Definitions of many commercial coverages (those which are applicable to lines of business insured through the SportsInsuranceHawaii.com programs are indicated in blue) are listed alphabetically throughout the glossary. Among these coverages are Aviation Insurance, Cargo Insurance, Commercial Credit Insurance, Commercial Multi-Line Policy, Crop-Hail Insurance, Employers' Liability Insurance, General Liability Insurance, Kidnap and Ransom Insurance, Inland and Ocean Marine Insurance, Products Liability Insurance, Professional Liability Insurance, Public Liability Insurance, Rain Insurance, Surplus Lines, Title Insurance and Workers' Compensation.
Commercial Multi-Line Policy - Package type of policy that includes a wide range of essential property and liability coverages for servicing businesses.
Compulsory Auto Liability Insurance - Insurance laws in some states require motorists to carry at least certain minimum auto liability coverages for bodily injury and property damage.
Conditions - Provisions of the insurance policy which state the rights and duties of the insured and insurer.
Contingent Liability Insurance - Covers the insured individual or business in cases of indirect or "contingent" liability, where direct liability for an accident, for example, falls on another, but because of the relationship between the insured and the other party, the insured might still be held indirectly liable.
Contractual Liability Insurance - Provides coverage for claims arising out of liability that has been assumed by the insured under a written or oral contract.
Coverage - The scope of the protection provided under a contract of insurance; any of several risks covered by the policy.
Covered / Insured Peril - The perils of loss you are protected against by the insurance policy. Examples of perils include, fire, lightening, theft, and vandalism.
Crime - This insurance is designed to protect you from loss of money and securities resulting from a theft, or employee dishonesty.
Damage to Premises Rented To You - Under your General Liability, this coverage will pay for damages to any one premises you rent, but do not occupy, or in the case of fire or explosion, while rented to you or temporarily occupied by you with permission of the owner, but only to the limit designated on the policy declaration page.
Declarations - That part of the policy describing the named insured, address, effective date, term of the policy, applicable coverages, the amount of insurance and the premium.
Directors & Officers Liability - Designed for the Directors and Officers of boards, corporations, or nonprofit organizations, this coverage provides protection for claims arising from the fiduciary duties owed the corporation, shareholders, or other third parties from certain fiduciary, tortuous conduct, fraud or deceit, or the violation of certain statutes.
Earned Premium - That part of the total property/casualty policy premium earned by the insurance company which applies to the expired portion of the policy period.
Employee Benefit Liability - This coverage protects you, an employer, from claims by employees or former employees resulting from negligent acts or omissions in the administration of your employee benefits programs. Employee Benefits programs can be defined include group life, health, and accident insurance, profit sharing plans, employee stock subscription plans, and workers' compensation, unemployment insurance, social security benefits, disability benefits, etc.
Employers' Liability Insurance - Provides protection for the employer for those bodily injuries, whether accident or disease, sustained by employees in the course of employment, not otherwise covered under workers' compensation law.
Endorsement - An additional piece of paper, which was not part of the original insurance contract, that cites certain terms, conditions, or changes, and which becomes a part of the insurance contract. Additions to personal lines insurance policies are accomplished through the use of riders, which are similar to endorsements.
Employment Related Practices Liability - This insurance defends and pays losses incurred by you for wrongful employment acts. Wrongful employment acts includes alleged acts of discrimination, harassment, negligent hiring and/or inappropriate employment decisions made by you, against employees, both past and present, or an applicant for employment.
Errors & Omissions Liability - This insurance provides defense and pays losses which you are legally obligated to pay for monetary losses incurred by third parties as a result of your wrongful acts (errors or omissions committed solely in the performance of, or failure to perform professional services). Unlike Directors & Officers coverage, which is restricted to those individuals, this coverage is typically written for the corporation or organization.
Excess / Umbrella - This type of liability insurance provides coverage over a single underlying policy, or several different underlying policies. The limits provided by this policy will not respond to the loss until after some specified underlying policies limits are spent, exhausted, or otherwise not available. If underlying limits are not available, and the coverage is not excluded from the Excess/Umbrella coverage, this policy will respond as primary.
Exclusion - A provision in the insurance policy which denies coverage for certain perils, persons, property or locations.
Extra Expense - This insurance is designed to pay for costs in excess of normal operating expenses that are incurred by a business in order to continue operations without interruption after a direct property loss, or in order to minimize the interruption. This coverage is not a substitute for Business Income (Interruption) coverage, as this coverage does not provide any recovery for any loss of income, despite all efforts to continue operations.
Exposure - This term in the insurance field may have several meanings: (1) possibility of loss; (2) a loss potential as measured by type of construction, area or values; (3) a possibility of a loss being communicated to an insurance risk from its surroundings; or (4) the unit of measure of the amount of risk a company assumes (for example 50,000 spectators are a single event).
Fire Damage Legal Liability (Damage to Property Rented to You) - Contained within the Commercial General Liability coverage part, this coverage provides protection for damage to property rented to you ( landlord's building), should damage occur as a result of fire. This coverage is provided at a separate limit from the property damage liability limit, typically at a lesser amount.
Fire Insurance - Coverage is provided to protect the insured property from the peril of fire and lightening.
Fleet Policy - An auto policy covering a number of vehicles owned by a single insured.
Floater - A form of insurance that applies to movable property, whatever its location, within the territorial limits imposed by the contract. The coverage "floats" with the property.
Flood Insurance - Coverage against loss resulting from the flood peril, widely available under a program developed in 1968 by the private insurance industry and the federal government.
Garage Liability - Insurance to protect garages, service stations, vehicle rental agencies, car washes, owners of automobile, trailer, or RV vehicle dealerships from liabilities arising out of their business operations and the sale or use of autos, from claims alleging bodily injuries or property damage caused by the operator's negligence.
Garagekeepers' Liability (Garagekeepers Legal Liability) - An insurance contract that protects a garage operators against direct damage or legal liability for damage to vehicles in his care, custody or control caused by specific perils. This coverage is included as part of a garage coverage or as a separate endorsement.
General Liability Insurance - A broad term meaning liability insurance, other than automobile liability or employers' liability, written to cover professional and commercial risks. In respect to commercial liability, various available coverages could cover such risks as premises and operations, contractual liability, products and completed operations. A form of insurance designed to protect owners and operators of businesses from a wide variety of liability exposures. These exposures could include liability arising out of accidents resulting from the premises or the operations of an insured, products sold by the insured, operations completed by the insured and liabilities assumed by the insured through specific types of contracts.
Glass Insurance - Protection for loss of or damage to glass and its appurtenances.
Good Driver Plan - An auto insurance rating program that reflects the insured's accident and traffic violation record as a factor in determining the premium.
Hazard - The presence of a condition that could cause loss or injury to property or persons. For example, smoking in bed increases the chance for loss of property and life resulting from fire.
Health Insurance - There are two major types: Disability income insurance pays for loss of income due to disability; medical expense insurance pays for hospital, doctor and other medical expenses. Both of these generally pay for losses arising from sickness or accidents. Some policies, referred to as "accident policies," do not cover sickness.
Hold Harmless Agreement - A statement or warranty, typically in contracts, whereby one party agrees not to pursue legal action or suit for injuries sustained by that party, as a result of the actions of the other party. A contractual assumption of the liability exposures of another. As an example, a lease agreement commonly requires the tenant to hold the landlord harmless for bodily injury or property damage experienced by others on the premises.
In our applications, selecting "Yes" for "Hold harmless" means that you would like additional coverage. A typical example of what such additional insurance would cover is property damage sustained by a venue owner who claims the damage was due to participants or spectators attending your event.
Hull Policy - An ocean marine or aviation insurance contract covering damage to or loss of a ship or plane, but not the contents.
Improvements and Betterments (Tenants) - Insurance coverage that protects a tenant or lessee of real property against loss as a result of a covered cause of loss, of improvements made by him/her to the real property in which he/she resides. Some property policies use the term "improvements and additions" in describing the coverage.
Indemnity - In general, means reimbursement for loss, but also is used to mean a benefit provided by a policy.
Inland Marine - This insurance coverage (sometimes referred to as a floater) is just property insurance for property loss exposures which cannot be conveniently or reasonably confined to a fixed location or a standard form. This may include movable property, instrumentality's of transportation and communications (such as bridges, roads, piers, and television and radio towers), and the legal liability coverage of bailees. This also includes electronic data processing equipment.
Insured- A person covered by an insurance policy.
ISO - The abbreviated reference to Insurance Services Office, Inc. . The organization, whose members are insurance companies nationwide, is the largest rating bureau in the United States. ISO is responsible for many lines of insurance, including fire, commercial and personal auto, homeowners, general liability, inland marine, and crime. It handles both personal and commercial lines, as well as both property and liability. The main function of ISO is the development of standardized industry coverage forms and rates.
Kidnap and Ransom Insurance - Written for financial institutions and other corporations, this insurance covers named employees for individual or aggregate amounts paid as ransom, with deductibles requiring the insured to participate in approximately 10% of any loss.
Knowledge of Occurrence - Typically in a policy, this will describe when knowledge of an accident or occurrence is considered to be known to the insured person. Language may read as follows: Knowledge of the occurrence, claim or suit by the agent, servant, or employee of an insured shall not in itself constitute your knowledge unless one of your offices, managers or partners have received notice of the occurrence, claim or suit. Failure by the agent, servant or employee of an insured (other than an officer, manager or partner) to notify us of an occurrence shall not constitute a failure to comply with the provision in your policy titled Duties in the Event of Occurrence, Offense, Claim or Suit.
Lapsed Policy - An insurance policy which has passed its expiration date without renewal or continuation of the coverage provided by the policy.
Legal Liability to Participants - This coverage typically refers to persons while practicing for, or participating in contests or exhibitions of an athletic or sports nature. The coverage responds to and defends you in a suit being made against you, by a participant in a contest or exhibition (of an athletic or sports nature) which you control, promote, or sponsor.
Liability Insurance - Provides protection for the insured against loss arising out of his/her legal liability to third parties.
Liability Limits - The stipulated sum or sums beyond which an insurance company is not liable to protect the insured.
Limit - The maximum amount of benefit that an insurer agrees to pay in the event of a loss.
Line of Insurance - A type or kind of insurance.
Litigation - The process of a lawsuit.
Loss - An occurrence that is the basis for submission and/or payment of a claim. Losses can be covered, limited or excluded from coverage, depending on the terms of the policy.
Loss Control Representative - Insurance company employee or subcontractor that perform loss control surveys (for underwriting purposes) and prepare written loss control reports that outline their findings. The Loss control representative provides a value added risk control service to the policyholder.
Loss Experience - The loss record of an insured or of a particular class of coverage.
Malpractice Insurance - Coverage afforded to a professional practitioner, such as a doctor or a lawyer, against liability claims for damages resulting from alleged negligence in the performance of the insured's services.
Marine Insurance - (See Inland Marine or Ocean Marine Insurance).
Medical Expense Payments - This is a coverage under the General Liability coverage. This coverage will reimburse an injured party for medical and/or funeral expenses incurred as a result of bodily injury or death sustained by accident under the conditions specified in the policy, regardless of whether you are liable or not. The most we will pay for any one person is the limit specified in the policy.
Medical Payments Automobile Insurance - Coverage, in states which are other than a no-fault state, which pays medical and hospital expenses and the expense of funeral services resulting from an automobile accident, regardless of the liability of the insured. This is a first-party coverage.
Minor - In most states, a person under the age of 18 or 21.
Multi-Peril Policy - A package policy that provides protection against a number of separate perils. Multi-peril policies are not necessarily multiple-line policies, since the combined perils may be all within one insurance line, such as property.
Multiple-Line Policy - A package policy which combines coverages from both the traditional property and liability lines.
Named Perils - Coverage in a property policy that provides protection against loss from only the perils specifically listed in the policy rather than protection from physical loss. Examples of named perils are fire, windstorm, theft, smoke, etc.
Negligence - The failure of a person to exercise the care that a prudent person would exercise under similar circumstances.
Occurrence - means an accident, including continuous or repeated exposure to substantially the same general harmful conditions.
Ocean Marine Insurance - Coverage on all types of vessels, including liabilities connected with them, and coverages on their cargoes.
Other Than Collision Coverage - Protection against loss resulting from damage to the insured auto, commonly called "comprehensive auto coverage". Broad coverage is provided and includes protection from such hazards as fire, theft, glass damage, wind, hail and malicious mischief. This is a first-party coverage.
Partial Disability - An impairment that prevents the insured from performing one or more, but not all, important duties of his/her job.
Peril - The cause of a possible loss, such as fire, windstorm, theft, explosion or riot.
Personal Injury Liability Insurance - Protection against liability for damages other than physical injury arising out of false arrest, detention or imprisonment, or malicious prosecution; libel, slander or defamation of character; invasion of privacy, wrongful eviction or wrongful entry.
Personal Injury Protection (PIP) - That section (in a no-fault state) of the automobile policy that covers the treatment of injuries to the driver and passengers of an insured's car.
Personal Lines - Types of insurance written for individuals or families, rather than for businesses.
Policy - The name generally used to mean the written contract of insurance.
Policyholder - The one who owns the insurance policy. Their name is the one that appears on the Declarations under the title of Named Insured or Policyholder.
Pollution Insurance - This is a coverage that protects an insured from property loss or liability arising from pollution-related damages. Pollution may be the contamination of water, soil, or air by means of solid, liquor or gaseous (vapors, smoke or heat) contaminants.
Pre-Existing Condition - A physical condition that existed prior to the issuance of the insurance policy.
Premises - The buildings, other structures and land where the insurance protection is applicable. It is usually described and defined in the property casualty policy.
Premium - The amount of money charged the policyholder for the insurance policy.
Products Liability - The section of the policy that protects against financial loss arising out of legal actions (liability) incurred by a manufacturer, merchant or distributor because of injury or damage resulting for the use of a covered product.
Professional Liability - There are many occupations and fields of endeavor which are regarded as "professional" in today's society. This coverage is designed to provide protection for liability claims resulting from errors in judgement, breach of duty, failure to conduct one's self to a professional standard of care, act or omission.
Proof of Loss - Documentation presented to the insurance company by the insured in support of a claim so that the insurer can determine its liability under the policy.
Property Damage Liability Coverage - Protection against loss from legal action (liability) for damage to the property of others.
Property / Casualty Insurance - One of the three (3) larger classifications of insurance (the other two are Life, Health and Accident, and Surety & Bonds. Property and Casualty refers to the group of coverages including Property, Crime, Liability, Auto, Workers' Compensation and Errors and Omissions. This group of coverages is further broken down in to two subgroups, Personal and Commercial insurance. Personal insurance is typically issued to an individual, and includes coverages like Homeowners, Personal Auto and Personal Umbrellas. Commercial Insurance is typically issued to corporations or organizations, or to the individual who owns a business operation, and includes coverages like Commercial Property, Commercial Auto, and Commercial General Liability.
Proximate Cause - The dominate cause of loss or damage; an unbroken chain of events between the occurrence of an insured peril and the damage to property. As an illustration, weather damage occurring from fire-fighting activities is covered under the fire policy because fire was the proximate cause of the loss.
Public Liability Coverage - A generic term meaning insurance to cover risks against liability exposures other than those involving employees, or arising out of the use of autos, aircraft, or watercraft. This is frequently interchanged with the terms General Liability or Commercial General Liability.
Purchasing Group - An entity that offers insurance to a group of homogeneous (similar) businesses with similar exposures or potential for similar exposures.
Rain Insurance (Cancellation Insurance) - Insurance protection against loss due to rain, hail, snow or sleet, which causes cancellation or reduced earnings of an outdoor event.
Rate - A charge per unit in determining insurance premiums.
Reinstatement - The restoration of a lapsed insurance policy to its original provision, being in full force and effect.
Retention - The net amount of risk retained by an insurance company for its own account or that of specified others, and not reinsured.
Schedule - A list describing the property or items insured under the policy and the extent which they are insured.
Self-Insurance - A form of risk financing through which a firm assumes all or a part of its own losses. Self-Insurers may purchase insurance to cover excess losses.
Stop Gap Endorsement - Provides employer liability coverage for work-related injury arising out of incidental operations or exposures in the monopolistic fund states (as of October, 2001, the monopolistic states are: North Dakota, Ohio, Washington, West Virginia and Wyoming).
Subrogation - A principle of law incorporated in insurance policies that enables the insurance company, after paying a loss to its insured, to recover the amount of the loss from another who is legally liable for it.
Theft Insurance - Protection for loss of property due to stealing, including burglary, robbery and larceny.
Third Party - A person who files a liability insurance claim against another person or entity (first party).
Tort - Any wrongful act, damage or injury done willfully, negligently or in circumstances involving strict liability, but not involving breach of contract, for which a civil lawsuit can be brought.
Total Disability - Disability that prevents a person from performing (a) any of his/her occupational duties, or (b) any duties for which he/she is reasonably qualified. Definitions vary within policies.
Underwriter - An employee of an insurance company who is a selector of risks. The underwriter is expected to select business that will produce an average risk of loss no greater than anticipated for the class of business. The term may also be an agent or other field representative who is referred to as a "field underwriter".
Unearned Premium - The portion of a property/casualty insurance premium that applies to the unexpired portion of the policy period.
Uninsured Motorists Coverage (UM) - Pays the policyholder and passengers in his/her car for losses sustained by reason of bodily injury, sickness, disease or death caused by the owner or operator of an uninsured automobile or a "hit-and-run" driver.
Uninsured Motorists Property Damage Coverage (UMPD) - Provides coverage to a vehicle involved in an accident with an uninsured motorist. UMPD is similar to "collision coverage", and is not available to those who purchase "collision coverage".
Any unintentional error or omission in the description of or failure to completely describe, any premises or operations intended to be covered by this Coverage Part will not invalidate or affect coverage for those premises or operations. However, you must report such error or omission to us as soon as practicable after its discovery.
Valuation - The process of determining the company's liabilities under the policy obligations is known as policy valuation. The process of determining the value of the company's investments is known as asset valuation. Minimum valuation standards are usually prescribed by state laws.
Waiver and Release of Liability - An agreement obtained by an insured from an individual or group whereby they forfeit their rights to take legal action against that insured. An illustration of this would be an individual wishing to participate in a sport might have to sign a "waiver and release" stating they will not sue if they are injured while playing the sport, whether there is negligence or not.
We waive all rights of recovery when you have agreed to waive your rights of recovery when required by a written contract. However, this provision only applies if the written contract was executed prior to the date of the occurrence.
Weekly Indemnity - The insurance will pay, after an established waiting period, an agreed weekly sum for lost wages incurred by person (if at the time of the injury they were gainfully employed), if they are unable to work as a result of injuries incurred during an activity, operation or event of yours.
Workers' Compensation- A system (established under state laws) under which employers provide insurance for benefit payments to employees for their work-related injury, death and disease regardless of fault. Not to be mistaken as health insurance. This coverage form provides coverage in two ways; (1) compensation for the employee for job-related injuries, irregardless of negligence, and (2) protection (Employers Liability) from liability suits brought by workers against the employer.
As a minimum, a sports organization should purchase three different insurance policies or a package containing all. Some sports organizations may also need additional policies such as Property, Auto, or Workers' Compensation.
Accident Insurance - Pays for medical bills on behalf of injured participants. This policy assures that your participants and volunteers will receive proper medical treatment. Also, most lawsuits filed by injured participants are because the medical bills are not covered by the sports organization because of inadequate insurance.
General Liability Insurance - Defends your organization against law suite arising from a spectator or player that has suffered bodily injury or property damage due to the negligence. Covered persons should include the sports organization itself, directors, officers, and volunteers. Lawsuits are filed regularly for injuries that occur at games/practices and during off premises non-sport activities. Even if you were not negligent, you must defend yourself in court.
Directors & Officers Liability - Covers the sports organization itself, directors, officers, and volunteers, against a class of lawsuit, which is not covered by the General Liability policy, alleging that your sports organization's negligence has resulted in economic injury to another party or that another party's rights under state, provincial or federal law have been violated. These types of lawsuit include discrimination, wrongful termination or suspension of personnel or players, or failure to follow rules or bylaws. This policy also pays for your defense and all related costs including cost of settlement or jury verdict.
Internal Payout Schedules - Avoid any policy that limits surgeon's fees, hospital room and board, doctor's visits, etc. under a separate schedule as they often result in an underpayment of medical bills and lead to dissatisfaction and frustration on the part of parents and league administrators.
Excess vs. Primary - Primary Insurance pays whether or not there is any existing coverage (such as parent's health insurance) and may even allow a double recovery. On the other hand, Excess Insurance only pays what medical bills aren't already covered by existing coverage (such as parent's health insurance). When there is no existing insurance in force, Excess Insurance becomes Primary and pays up to the policy limit. If there is existing insurance in force that does not pay for all of the bills due to its own deductible or coinsurance, Excess Insurance will fill in the gaps and pay for such deductible or coinsurance. Excess insurance is better because it allows a league to purchase affordable coverage with a limit high enough to cover a moderate to serious injury. Primary insurance is so expensive that it results in a Maximum Medical Limit that is either too low or that is eroded by restrictive Internal Payout Schedules -- see above.
Deductible - A deductible is the amount that the injured person pays out of pocket before the insurance comes into effect. In other words, if there is a $250 deductible and $1,000 in medical bills, the injured party (or parent) pays $250 and the insurance company pays $750. In amateur sports, deductibles commonly range from $0 to $250 per claim and can result in substantial premium reductions. A "Corridor Deductible" applies both when there is existing insurance in force (parent's health coverage) and when there is no existing insurance. On the other hand, a "Disappearing Deductible" only applies when there is no existing insurance in force.
Covered Persons - Your policy should cover all athletes, coaches, managers, league officials and volunteers. Avoid policies that limit coverage to players and coaches only as there are other volunteers and league officials that deserve this important protection.
Covers While - Your policy should cover while participating in all sports organization authorized activities under adult supervision including games, practice, tournaments, non-sport activities, and group travel to and from. Avoid policies that limit coverage to games and practice only as most amateur teams engage in group travel and numerous other non-sport activities such as awards banquets, picnics, cookouts, attendance at professional ballgames, etc.
Excuse #1: We've never had a serious injury or lawsuit in our sports organization. Besides, we're extremely safety conscious.
Reality #1: Such a shortsighted attitude is dangerous -- serious injuries and lawsuits can happen in any sports organization. It's impossible to predict the future and the risks of being wrong are just too high.
Excuse #2: Our volunteers are "bullet proof" against lawsuits because our state has recently passed a law that provides immunity for volunteers.
Reality #2: While definitely a step in the right direction, most state immunity laws don't prevent the lawsuits from being filed and it may cost over $10,000 in legal fees to attempt to prove that you are protected.
Excuse #3: Our sports organization is protected against lawsuits because we require our players and their parents to sign waiver/release forms.
Reality #3: It is not legally binding in any of the 50 states for a minor under the age of 18 to sign away (or have his parent sign away) his right to file a lawsuit. Therefore, waiver/release agreements won't prevent a lawsuit and do not take the place of General Liability insurance. Nevertheless, we recommend their use anyway as waiver/releases may have a psychological impact and actually deter some parents from filing lawsuits. Also, they may have a psychological impact on some juries when it comes to deciding the amount of damages.
Excuse #4: Our sports organization doesn't need to buy a General Liability policy to protect against lawsuits because each volunteer can provide his/her own protection through Homeowner's Liability, Personal Umbrella Policy, or a Coach Certification Policy.
Reality #4: Many Homeowner's Liability and Personal Umbrella Policies don't cover lawsuits arising out of your actions as a sports volunteer. Most Coach Certification policies only protect the coach while undertaking coaching duties -- this can still leave the coach exposed to lawsuits arising out of injuries to spectators and to players while on non-sport team outings. Also, even if these policies were to provide total protection for the individual, not all volunteers will carry one! Further more, none of these policies protect the league itself.
Excuse #5: Our sports organization and our directors, officers, and volunteers are automatically covered through the insurance offered by the recreation department or municipality.
Reality #5: The standard General Liability policy carried by a recreaction dept. or municipality only covers the rec. dept. and its directors, officers, and employees. However, individual leagues using the facilities are a different story. In order for the leagues and their personnel to be covered, the rec. dept.'s General Liability policy must have a special rider or endorsement adding such leagues and their respective directors, officers, employees, and volunteers as named insureds. Incredibly, over 50% of the rec. dept. policies that we review leave their leagues and their hard working personnel out in the cold. Even more incredible is the fact that most rec. depts. and leagues aren't even aware of this.
Excuse #6: Our sports organization doesn't need to buy Accident Insurance to pay for medical bills on its participants since they are all already covered under their parent's health insurance.
Reality #6: National statistics indicate that up to 25% of all children in the U.S. aren't covered by health insurance. Most of these uninsured children come from middle class backgrounds where their parents are self employed and don't have access to affordable group plans. Even in affluent neighborhoods, parent's health policies are subject to cancellation due to layoffs. Even if health insurance is in force, it may be subject to large deductibles of up to $2,500 and coinsurance penalties that require payment of up to 40% of all medical bills. Unpaid medical bills often result in a lawsuit being filed by the injured participant.
What are the most common ways sports volunteers can be sued?
Slip/trip/fall around playing field due to hazards such as holes, slippery surfaces, or uneven surfaces.
Contact with ball caused by lack of barriers or defective barriers. Also, caused by improper positioning of players during warm ups.
Failure of supervisor to stop participant rowdiness.
Failure of supervisor to be located closely enough to activities in order to prevent injuries.
Improper ratio of supervisors to participants.
Supervisor incompetence or lack of training (certification) that results in participant injury.
Improper instruction of participants on sport specific techniques and skills, game rules, and safety rules.
Improper layout and design of the playing facility.
Lack of facility maintenance and repair that leads to injuries caused by holes, depressions, or slippery spots.
Improper decision to play under inclement weather conditions.
Lack of emergency planning and coordination with local medical care providers and ambulance services.
Failure to select, properly fit, and inspect quality equipment that is to be used for its intended purpose as prescribed by the manufacturer.
Failure to engage in pre-participation screening for medical risks.
How can we save money on sports insurance?
Sports insurance is a highly specialized field where very few agents have the buying power to negotiate the prices that you must have! Your agent/broker may not have access to the larger insurers.
Buy From A Sports Insurance Specialist. Insurance is a huge industry. There's insurance for everything. Anything you can have, do, own, manage or whatever -- there's insurance for it. And nobody can specialize in all of it. In fact, a professional insurance agent can only specialize in a few niches -- and really understand them. If someone specializes in insuring homes, auto, and retail stores, it doesn't mean that they know anything about sports leagues. The sports insurance marketplace is so secretive and hard to access that only a sports insurance specialist will know where to go in order to satisfy the specific needs of a particular league. This specialized knowledge results in knowing which program or insurance company is offering the most competitive rates for a particular type of league. This knowledge can result in big savings!
Tap Into Group Purchasing Power. Only the very largest sports organizations or leagues that operate on a state/province wide, regional, or national basis have the buying power to establish their own programs with their own special rates. On the other hand, the average sports league will never have that ability. The solution for the average sports organization is to join forces with other organizations in order to form a buying cooperative that can have enough clout to get the attention of the insurance carriers. These buying cooperatives are know as "Risk Purchasing Groups" and allow for significant rate reduction. Larger groups can negotiate lower prices because many administrative expenses are fixed and can be easily spread over many members.
Raise Your Deductible On Your Accident Policy. Your "deductible" is the amount that you pay when you make a claim before your insurance "kicks in". In other words, if you have a $1,000 claim and a $100 deductible, you pay the first $100 and your insurance company pays the next $900. The disadvantage of raising your deductible is that when you do have a claim you will pay more. The advantage of raising your deductible is that your premium will go down, sometimes by as much as 25%.
Buy All Your Policies From The Same Insurance Company. Many insurance companies offer built-in discounts for sports organizations that purchase both Accident and General Liability policies from the same company.
Don't Get Nickel and Dimed To Death. Avoid insurance carriers that make additional charges for providing coverage for special non-sport activities, volunteers such as coaches and umpires, and adding field owners and sponsors as additional insureds.
Am I buying inadequate General Liability Insurance?
Occurrence vs. Claims Made - The distinction is important because in youth sports, it is possible that a child who is injured at age 6 could wait until age 20 before filing a lawsuit. If your league purchased an "Occurrence" policy during the year of the injury, you would have protection even if the policy is not renewed in later years. On the other hand, avoid a "Claims Made" policy which may only protect if the same policy (or a renewal thereof) was in force both when the injury occurred and when the claim or lawsuit was filed (which could be 14 years later). Obviously, "Claims Made" coverage is extremely risky as it is highly unlikely that a league would renew a policy with the exact same insurance company for 14 years in a row.
Participant Injury Liability - Avoid policies that don't cover lawsuits arising out of injury to your sports participants. Believe it or not, some policies only cover lawsuits arising out of injuries to spectators.
Punitive Damages - Almost every lawsuit that is ever filed will allege that your volunteers have engaged in "grossly negligent behavior that is willful, wanton, and reckless" and will ask for punitive damages in order to provide extra punishment (not to mention extra fees for the plaintiff's attorney).
Abuse/Molestation - The vast majority of Sports Liability Policies now exclude Abuse/Molestation, you should buy this coverage back for an additional charge if it is available. These types of lawsuits usually result in jury verdicts in excess of $300,000. Even the innocent board members are usually sued for failure to screen out sexual offenders with a criminal background.
Covered Persons - Your policy should cover your sports organization, its directors, officers, employees, and all volunteers. Also, you should be able to provide coverage for field owners and sponsors in the event that they request it. Avoid policies that don't cover all persons and entities mentioned above.
Special Coverage For Sports Organizations That Own Their Own Facilities Or Are Under A Long Term Lease - Sports Organizations that fall under this situation are responsible for what happens on their fields/facilities 24 hours a day, 365 days a year. Unfortunately, most General Liability policies only cover lawsuits arising out of sanctioned and supervised activities. Such policies would not cover lawsuits arising out of injuries that occur on your premises after hours or during the off season. This loophole should be closed by paying an additional charge to have this coverage added to your policy.


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About THE HOPE
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One Stop Solution For Your Overseas Requirements...
Switzerland, officially the Swiss Confederation, is a federal parliamentary republic consisting of 26 cantons, with Bern as the seat of the federal authorities, the so-called "federal city". The country is situated in Western and Central Europe where it is bordered by Italy to the south, France to the west, Germany to the north, and Austria and Liechtenstein to the east.
Switzerland has the highest nominal wealth per adult (financial and non-financial assets) in the world. However, Switzerland is also the most expensive country in the world to live in, as measured by the price level index. Zürich and Geneva have been ranked among the top cities with the highest quality of life in the world.
Higher education in Switzerland comprises academic studies at the 10 cantonal Universities and the 2 Federal Institutes of Technology, at the more professionally-oriented Universities of applied sciences and at the Universities of teacher education. A few more University-level institutions are considered public institutions of higher education.
University continuing education is firmly established in Switzerland. It is regulated under university legislation and in the Bologna Recommendations of the Rectors' Conference of the Swiss Universities (CRUS) and has its own, clearly defined place in the Qualifications Framework for the Swiss Higher Education Area alongside Bachelor's, Master's and doctoral qualifications.
Swiss universities and universities of applied sciences use the same terms for continuing education programmes, but the admission requirements and general focus of the programmes are usually different. Universities are normally more academic and require a Master's degree and professional experience as the conditions of admission, while universities of applied sciences tend to be more practically oriented and generally require a Bachelor's degree plus professional experience. This is connected with the fact that the normal final degree from a university of applied sciences is the Bachelor's degree, while students at universities normally graduate with a Master's degree.
Intakes:
In Switzerland as well as in other countries in Europe, the academic year is divided into two semesters
Fall semester: runs from September through December
Spring semester: runs from February through June
Although application deadlines for studies in Switzerland vary depending on the study program and the university or college, students are usually required to submit their applications in the Spring semester for studies beginning the following academic year.
For Bachelor's Program :
The decision concerning admission to a course of studies rests with the individual institution. The basic admission requirement is a Swiss secondary high-school-leaving certificate or a foreign secondary high-school-leaving certificate considered equivalent. Students not holding fully recognized certificates qualifying for university entrance may be required to take a university entrance exam.
For Master's Program
The prerequisite for access to a Master's programme is a successfully completed Bachelor's level programme. Each university makes its own decisions as to whether a foreign Bachelor's degree can give the holder access to Master's programmes, and what are the conditions, if any (entrance examinations, further requirements).
An increasing number of study programmes at Master's level are offered in English, thus a solid knowledge of English language is advisable for all prospective students.
Popular Universities:
University of Lucerne
University of Neuchâtel
Swiss Federal Institute of Technology Zurich
Education and Living Costs:
If you hold a foreign or international secondary or higher education degree, you will have to pay registration and tuition fees at public universities and colleges in Switzerland. In general, foreign students must pay registration fees of approximately EUR 50 - 80. Tuition fees for foreign students range from ca. EUR 750 to EUR 3000 per semester depending on the school.
The cost of life in Switzerland is similar to that of big European cities. In most areas of Switzerland, cost of life is cheaper than Paris or London, although some items, such as food, are on average more expensive than elsewhere in Europe.
The Swiss Government offers scholarships to foreign students and artists on the basis of reciprocity or within the framework of a scholarship pool to several countries. Scholarships are granted to postgraduate candidates or researchers from both industrial and development countries. Most Swiss universities are publicly funded, making international study relatively affordable. The Swiss government, and some universities, also offer scholarships to international students. However, you must ensure you have sufficient funds to support yourself during your studies.
Once you're in Switzerland, as an international student, you can also work up to 15 hours per week
We advise you to start the student visa application procedure immediately after you have been accepted into the program to allow ample time for the Embassy or Consulate to process your student visa application, Please note that a period of at least 8 weeks is required for the issue of your student visa. Following documents are required,
Schengen Visa application form
4 passport-size photographs with a white background
Passport with a validity of at least 12 months
Acceptance documents / Proof of admission (provided by the school)
Sponsorship documents / Proof of financial means
Medical certificate / Proof of good health
Medical insurance with international coverage
Additional documentation and official translations in German may be required by the Embassy or Consulate.
Are international students allowed to work during their studies?
Yes, International students holding a B student permit are allowed to work up to 15 hours a week.
What are the official languages of Switzerland ?
German, French, Italian and Romantsch. However, official documents and declarations on goods have to be provided in German, French and Italian only.
Can I stay in Switzerland after completion of my studies?
As a general rule, if you receive support from a Swiss University for further studies, or from a private business for working in Switzerland, you are eligible for extending your stay in Switzerland.
Is there any large Indian community in Switzerland?
In some Swiss cities there is a strong presence of Indian nationals, and in higher education institutions it would be exceptional if you don't stumble on one of your compatriots. Swiss Universities are a favourite destination of international students, and offer a multicultural environment.
How is the climate in Switzerland?
There is no monsoon regime in Switzerland. The climate is relatively cold in winter (from December to February), with temperatures that can go below zero degrees Celsius; and pleasantly hot in the Summer season (from June to September) with daily temperatures ranging between 20 and 35 degrees.
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Where do I vote in Virginia?
Closeup of an American "I voted" sticker placed on a navy shirt.
We hope this page helps to answer all of your Election Day questions. The State Board of Elections has also extended their hours to assist voters; click here to reach them.
The polls open in Virginia at 6 a.m. on Election Day, Nov. 7 and stay open until 7 p.m. Tuesday.
There are election seats and questions specific to each voters' district. Please click here to see your sample ballot.
On election night, after 7 p.m., you can start tracking election results here.
Read a complete breakdown of the races, including House of Delegate seats, here.


Marriage dissolution solutions | Barbara L. Jouette, Attorney, P.C.
On behalf of Barbara L. Jouette, Attorney, P.C. posted in Family Law on Thursday, August 24, 2017.
The biggest tasks in life can usually be easily managed when broken down into smaller parts. From building a house, to getting an education, or even divorce, a person does not have to be overwhelmed by the complexity of the issue. In a recent news article, one person shares her tips for approaching marriage dissolution in a strategic way. Individuals in Texas grappling with this issue may find her advice helpful.
The first step she recommends is information gathering. Information about the types of divorce options available in one's state, information about attorneys and information about finances. When armed with these details, one may be better able to navigate future changes and will be able to answer any questions coming from a soon-to-be ex-spouse or that person's attorney.
Another part of the preparation for the breakup is informing friends and family. One will want to tell loved ones and close friends, and consider how to break the news to children. In many circumstances, it makes sense to seek the advise of an impartial counselor, particularly since friends and family will likely have an interest in the outcome of the divorce.
Marriage dissolution is a multi-step process. It has to be approached from many sides -- financial, emotional and social. In Wyoming, many individuals choose to enlist the help of an experienced attorney for guidance in navigating the legal side of ending the marriage. A family law attorney is knowledgeable about Texas state laws regarding divorce and can assist an individual in meeting short and long-term goals.


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La Ricamarie () is a commune in the Loire department in central France. It is situated between the city of Saint-Etienne and the town of Firminy.

Population

Twin towns
La Ricamarie is twinned with:

  Pyskowice, Poland, since 1998

See also
Communes of the Loire department

References

Communes of Loire (department)

redpajama_set_name: RedPajamaWikipedia


text:
Silver Lining Playback
Today, David O'Russell's comedy Silver Linings Playbook has been named the BlackBerry People's Choice Award winner at the 2012 Toronto International Film Festival (TIFF). Starring Bradley Cooper, Jennifer Lawrence and Robert De Niro, the crowd-pleasing film centres on a bipolar former teacher who meets a troubled widow as he tries to reconcile with his wife, … Continue reading Silver Linings Playbook wins Toronto Film Festival
Politics and controversy at Toronto Film Festival
There is no other film event that transforms its host city the way Toronto International Film Festival (TIFF) does. During the 11-days, the sleepy city of Toronto becomes the thriving epicentre of the film industry, hosting thousands of industry professionals and film fans from all over the world, who come to savour the new offerings … Continue reading Politics and controversy at Toronto Film Festival


This is a compulsory event for commencing students studying in the Faculty of Humanities and Social Sciences (HASS). The three hour event will provide students with the opportunity to meet peers, learn about important faculty services, and hear from current students, staff and alumni about how you can make the most of your time in HASS. The event will finish with the HASS Crew BBQ lunch which will include free food, drinks, live music, and games.
Note: If you are commencing in the Bachelor of Arts or Bachelor of Arts Dual Program, please also register and attend the compulsory Welcome the the BA + Exploring BA Majors session.


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Home Media TV18 confirms CNN-IBN renewed deal
TV18 confirms CNN-IBN renewed deal
Raj Baddhan
RajBaddhan
CNN-IBN
TV18 and CNN have surprisingly renewed a deal, just weeks after it was announced the two companies would be parting ways at the end of this year.
In an announcement by TV18, the two sides have signed a ten-year deal to strive to take the partnership to another level, enabling CNN-IBN viewers to stay ahead on news from around the world and across multiplatform.
Adil Zainulbhai, Chairman, Network18 said, "We are delighted to announce the renewal of this extremely cherished partnership between two most respected brands in journalism. In this second term of our collaboration, we aim to present a brand new CNN-IBN that will bring news with even greater speed, accuracy, clarity and credibility and keep the viewers tuned to global developments much ahead of others. We also intend to cut through the noise and clutter that is currently present in the Indian television news space and offer best practices of journalism that will lead to better understanding of issues. The channel will organize meaningful debates and raise issues that touch the lives of our viewers. With this renewed partnership, we will enhance the process of newsgathering and delivering it to our viewers by informing and enlightening."
Speaking on the occasion, Rani Raad, Chief Commercial Officer, CNN International, said, "We are delighted to have entered into another long term partnership with TV18 that builds on the success we have achieved already for CNN-IBN. We embark on this next chapter with a new management team and a renewed determination to double down on our investments to refresh the brand and support TV18 in ramping up their digital initiatives in 2016 so as to further enhance relevance for the global-minded Indian audience. I'm delighted CNN-IBN is staying in our family of CNN-branded channels around the world that includes CNN Turk, CNN Chile, CNN Philippines, CNN Indonesia and CNN Greece."
The new deal will benefit CNN-IBN on an international level with synergy not just in television and digital medium but also with the following initiatives:
– Access to CNN's reporters and senior editors around the world to provide international perspective
– Access to some of CNN's best global shows, esteemed guests and analysts
– During breaking news, the channel will be the first to get live reports and discussions in real time from CNN studios around the world
– CNN will provide the technical knowhow and training to CNN-IBN anchors and editors
– Revamp of systems and processes to make them more efficient and in line with global standards
CNN-IBN is available in the UK and USA as News18 India.
Previous articleRishtey goes off-air on Freeview
Next articleOvernights: Star Plus ratings surge on Tuesday
CNN IBN to rebrand to CNN News18 in India
News18 set to unveil new look this month
TV18 to launch three regional news channels
Sony TV goes all out for the launch of 'India's Got Talent' this weekend
'Tera Yaar Hoon Main' set to go off-air on Sony SAB TV
Varun Dhawan on verge of signing Rajkumar Hirani's 'Made In India'?
SRK-Nayanthara's Atlee Kumar film to be officially announced this month?


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The Motion Picture Alliance for the Preservation of American Ideals (MPAPAI, also MPA) was an American organization of high-profile, politically conservative members of the Hollywood film industry.  It was formed in 1944 for the stated purpose of defending the film industry, and the country as a whole, against what its founders claimed was communist and fascist infiltration.

The organization was described by its opponents as fascist-sympathizing, isolationist, antisemitic, red-baiting, anti-unionist, and supportive of Jim Crow laws. The MPA denied these allegations, with Jewish writer and MPA member Morrie Ryskind writing in defence of his fellow members.

History
When the organization was formed in 1944, the initial, immediate purpose was to assemble a group of well-known show business figures willing to attest, under oath, before Congress to the supposed presence of Communists in their industry. When the House Un-American Activities Committee investigated the motion picture industry, the vast majority of "friendly witnesses" were supplied by the Alliance.

The Alliance officially disbanded in 1975.

Members

Prominent members of the Alliance included Robert Arthur, Martin Berkeley, Ward Bond, Walter Brennan, Roy Brewer, Clarence Brown, Charles Coburn, Gary Cooper, Laraine Day, Cecil B. DeMille, Walt Disney, Irene Dunne, Victor Fleming, John Ford, Clark Gable, Cedric Gibbons, Hedda Hopper, Leo McCarey, James Kevin McGuinness, Adolphe Menjou, Robert Montgomery, George Murphy, Fred Niblo, Dick Powell, Ayn Rand, Ronald Reagan, Ginger Rogers, Morrie Ryskind, Barbara Stanwyck, Norman Taurog, Robert Taylor, King Vidor, Hal B. Wallis, John Wayne, Frank Wead and Sam Wood.

Statement of Principles

Shortly after its formation in 1944, the Alliance issued a "Statement of Principles":

We believe in, and like, the American way of life: the liberty and freedom which generations before us have fought to create and preserve; the freedom to speak, to think, to live, to worship, to work, and to govern ourselves as individuals, as free men; the right to succeed or fail as free men, according to the measure of our ability and our strength.

Believing in these things, we find ourselves in sharp revolt against a rising tide of communism, fascism, and kindred beliefs, that seek by subversive means to undermine and change this way of life; groups that have forfeited their right to exist in this country of ours, because they seek to achieve their change by means other than the vested procedure of the ballot and to deny the right of the majority opinion of the people to rule.

In our special field of motion pictures, we resent the growing impression that this industry is made of, and dominated by, Communists, radicals, and crackpots. We believe that we represent the vast majority of the people who serve this great medium of expression. But unfortunately it has been an unorganized majority. This has been almost inevitable. The very love of freedom, of the rights of the individual, make this great majority reluctant to organize. But now we must, or we shall meanly lose "the last, best hope on earth."

As Americans, we have no new plan to offer. We want no new plan, we want only to defend against its enemies that which is our priceless heritage; that freedom which has given man, in this country, the fullest life and the richest expression the world has ever known; that system which, in the present emergency, has fathered an effort that, more than any other single factor, will make possible the winning of this war.

As members of the motion-picture industry, we must face and accept an especial responsibility. Motion pictures are inescapably one of the world's greatest forces for influencing public thought and opinion, both at home and abroad. In this fact lies solemn obligation. We refuse to permit the effort of Communist, Fascist, and other totalitarian-minded groups to pervert this powerful medium into an instrument for the dissemination of un-American ideas and beliefs. We pledge ourselves to fight, with every means at our organized command, any effort of any group or individual, to divert the loyalty of the screen from the free America that give it birth. And to dedicate our work, in the fullest possible measure, to the presentation of the American scene, its standards and its freedoms, its beliefs and its ideals, as we know them and believe in them.

Ayn Rand pamphlet
In 1947, Ayn Rand wrote a pamphlet for the Alliance, entitled Screen Guide for Americans, based on her personal impressions of the American film industry.  It read, in excerpt:

The purpose of the Communists in Hollywood is not the production of political movies openly advocating Communism. Their purpose is to corrupt our moral premises by corrupting non-political movies — by introducing small, casual bits of propaganda into innocent stories — thus making people absorb the basic principles of Collectivism by indirection and implication.

The principle of free speech requires that we do not use police force to forbid the Communists the expression of their ideas — which means that we do not pass laws forbidding them to speak. But the principle of free speech does not require that we furnish the Communists with the means to preach their ideas, and does not imply that we owe them jobs and support to advocate our own destruction at our own expense.

Rand cited examples of popular and critically acclaimed films that in her view contained hidden Communist or Collectivist messages that had not been recognized as such, even by conservatives.  Examples included The Best Years of Our Lives (because it portrayed businessmen negatively, and suggested that bankers should give veterans collateral-free loans), and A Song to Remember (because it implied without historical evidence that Chopin sacrificed himself for a patriotic cause rather than devoting himself to his music).

See also

 Friends of Abe
 Hollywood Congress of Republicans

References

External links
 MPA's Statement of Principles
 Screen Guide for Americans at the Digital and Multimedia Center of Michigan State University

1944 establishments in the United States
1975 disestablishments in the United States
Anti-communist organizations in the United States
Conservative organizations in the United States
M
Defunct organizations based in Hollywood, Los Angeles
John Wayne
Organizations established in 1944
Organizations disestablished in 1975


text:
layout: page
title: Patton Family Reunion
date: 2016-05-24
author: Kathleen Bonilla
tags: weekly links, java
status: published
summary: Sed dictum odio sapien, ac interdum nunc.
banner: images/banner/leisure-04.jpg
booking:
  startDate: 07/02/2018
  endDate: 07/04/2018
  ctyhocn: BNAGDHX
  groupCode: PFR
published: true
---
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Welcome to the home of What I need from God by Sri Chinmoy.
First published by Agni Press in 1982.
Question: How do you receive God's Forgiveness?
Question: Should we feel that we have God's Blessing in the same way?
Question: How is it possible to take that first step towards building discipline in your meditation practice?
Question: When you meditate and inwardly cry for something, should you also make an effort to achieve it, or just let it take place naturally?
Interviewer: Was your method of physical fitness primarily in the field of Hatha Yoga, or were there other things as well?
Interviewer: What about your musical background? When did you first become interested in music?
Interviewer: What part does music play in the spiritual life of an individual?
Interviewer: You are referred to as an Indian spiritual Master.
Interviewer: The term "Master" is something that Westerners very often have difficulty with. Could you talk about the relationship between a Master and a devotee or disciple?
Interviewer: The kind of surrender that you talk about — the willingness to totally give yourself to a Master — takes a lot of courage, doesn't it?
Interviewer: Let's talk about the path of the heart — what is referred to in the Eastern tradition as the path of Bhakti. I'd like to also talk about meditation at this point because what we are indicating here is something that is very often misunderstood in regard to meditation. It is believed by many that meditation is an experience of the mind, when in fact it is not — although the mind is involved initially.
Interviewer: Could you take a few minutes and talk with the audience about meditation — what it is and what it isn't? What are some of the reasons for and the benefits of meditation?
Interviewer: What about meditation techniques? What do you suggest people use as a method of meditation?
Interviewer: How about regularity in meditation? How often should we meditate?
Interviewer: Would it be a good idea to meditate at least for a few minutes before you sit down to eat?
Interviewer: There are several people in our listening audience who would like to ask you questions. Let's take a call.
Caller: Why are you here helping Americans when there are millions of people starving in India?
Caller: I'm a runner, and I've seen a poster in a shop just recently for a run with Sri Chinmoy's name. Sri Chinmoy must be a runner as well as a meditation Master, I was just wondering what he had to say about that.
Caller: I find that when Sri Chinmoy speaks about meditation, it sounds very familiar and very normal, although I always thought that meditation was something quite remote. The way he expresses it makes it seem very natural and practical. Can Sri Chinmoy comment on that?
Interviewer: My guest in the studio today is Indian spiritual Master Sri Chinmoy, and we've been talking about meditation and our relationship with God. One of the ways in which creativity is expressed through Sri Chinmoy is in the area of music. He has composed thousands of songs, including one piece dedicated to Hawaii. Would you like to tell us a little bit about this song?
Sri Chinmoy, .First published by Agni Press in 1982.
This is the 489th book that Sri Chinmoy has written since he came to the West, in 1964.


Freestanding Propane Gas Grill Cart 3-Burner Dual Smoke Stacks Cast-iron Grates. Whip up a range of delicious recipes with the help of this Char Griller Grillin' Pro.
It is constructed of sturdy tubular steel and features dual smoke stacks for better ventilation. This 3-burner grill has porcelain-coated cast iron cooking grates and a stainless steel thermometer for precision cooking.
Additional features include an ignitor probe on every burner for added convenience. This Char Griller gas grill also comes with a removable grease catcher for easy clean up. Total cooking area: 438 sq.
Three 40,800-BTU main burners and one 12,000-BTU side burner. Porcelain-coated cast-iron cooking grates and stainless steel burners are durable.
Fixed side shelf for more prep space. Dependable stay-cool handle for safe lifting. Liquid propane gas grill with room for 30 hamburgers. Dual smoke stacks for even heating. : 49.2 in Assembled Height in. : 49.2 in Assembled Width in. In: 438 Product Weight lb.
: 81 lb Returnable: 30-Day Secondary Cooking Space sq in. : 192 Total Cooking Space sq.
In: 630 Certifications and Listings: CSA Certified, ETL Listed. Some items can take longer. These charges are the buyers responsibility. Orders will be fulfilled by our own warehouse OR a 3rd party supplier at our discretion. Only factory defects are accepted as a reason for a return.
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Studentloanhero.com says that Cape Girardeau is the 23rd on the top 25 best small cities for nurses.
It's according to a look at the annual salaries of the nurses, the demand for them, and how far their wages will go in living costs.
The annual mean wage in Cape Girardeau is $51,990.
You can check out the full report here: Best Small Cities for Nurses.


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"Shell must face justice for its role in my husband's execution" - Wife of Baribor Bera
Victoria Bera has no doubt who is to blame for her husband's death, and this week she hopes to see them finally face justice.
On 1 May, a Dutch court will deliver its ruling in a historic case against the oil giant Shell. It stands accused of instigating the Nigerian military government to brutally repress peaceful protests against the company's pollution of the Ogoniland region in the 1990s.
The civil case has been brought by a widow named Esther Kiobel and three other women, including Victoria. They say Shell was complicit in the unlawful arrest, detention and execution of their husbands in 1995.
I met Victoria in The Netherlands in February, before a hearing on Kiobel vs. Shell. Her story is one of injustice and pain, but also of strength and hope.
"I am here to get justice for my husband. It is not too late. I feel stronger than ever," Victoria told me.
Victoria met her husband, Baribor Bera, in Port Harcourt in April 1990, marrying in December of the same year. They were both from the Ogoniland region of the Niger Delta, the oil-rich region of crucial economic importance to both Shell and the Nigerian government.
During the 1990s, under the leadership of the Movement for the Survival of the Ogoni People (MOSOP), protests broke out against environmental destruction caused by Shell's operations in the region. Baribor was at the forefront of the demonstrations against Shell.
My husband fought for better conditions in Ogoniland and for better opportunities for young people. Shell took the oil and we got nothing out of it
Victoria Bera
In court in The Hague, Victoria explained: "My husband fought for better conditions in Ogoniland and for better opportunities for young people. MOSOP wanted a fair share of the benefits from oil. In Ogoniland we have nothing at all. We don't have light, we don't have water. Shell and Nigeria were cheating on us. They took the oil and we got nothing out of it."
Shell asked the Nigerian security forces to intervene in the Niger Delta and end the MOSOP protests. Their response was to launch a ruthless crackdown on Ogoni communities, killing, torturing and raping an unknown number of people.
Baribor Bera was arrested, along with Esther's late husband Dr Barinem Kiobel and the renowned writer and activist Ken Saro-Wiwa. They were accused of involvement in the murder of four Ogoni chiefs opposed to MOSOP and hanged after months of appalling mistreatment in detention, along with six other men.
Having a small child on my own was very difficult. He would ask continuously about his dad, 'Mum, where is my dad? Who killed him? Did you kill him? Tell me who killed my dad.'
No credible evidence was ever presented to prove the involvement of the nine men in the murder. Nevertheless, they were executed after a trial which Amnesty International and other human rights organizations described as politically motivated and biased.
Amnesty International has since reviewed evidence showing that Shell encouraged Nigeria's military authorities to stop the protests, even after it knew horrific human rights violations were being committed.
"That was a difficult time. Everybody in my village was living in fear," Victoria said. "The soldiers would come to the village every day and shoot in the air. They were accusing (the widows) of telling the international community about what happened."
Victoria's house was destroyed by the Nigerian military in early 1996 and she fled with her son to Benin, where they lived in a UNHCR refugee camp for more than two years, before being resettled to Canada.
There, she felt safe for the first time in years, but she remained angry.
After 23 years I'm finally able to share my story with the world
"Having a small child on my own was very difficult. He would ask continuously about his dad, 'Mum, where is my dad? Who killed him? Did you kill him? Tell me who killed my dad.' I could only cry. That was the hardest part of that period, even harder than finding money to eat and take care of him. Those words stuck with me and will never leave me. I did my best to give him a normal life. But he kept pointing at his friends having a father and at his own loneliness," Victoria said.
The turning point came, long after her move to Canada, when Victoria heard of Esther Kiobel's case against Shell. It took her only moments to decide to join Esther's fight for justice.
"I phoned Esther and asked her if I could join forces with her. Esther put me in touch with her lawyer, and here I am," Victoria said.
Victoria and Esther first met many years ago, during the detention of their respective husbands. The second time was at gatherings held at the house of the widow of Ken Saro-Wiwa.
"We used to meet there to talk about what happened, and to find a way to bring the case to the media attention. I could not do it then, but I can do it now. After 23 years I'm finally able to share my story with the world," Victoria said.
People have been drinking polluted water for years because of Shell
Alongside Esther and their two fellow plaintiffs, Victoria is demanding a public apology for the role that Shell played in the events leading to the death of her husband, along with damages for the harm she says has been caused to her and her family.
She is also fighting on behalf of the Ogoni people, who continue to live with the environmental damage caused by the oil pollution of the 1990s.
In 2018, research by Amnesty International exposed evidence of serious negligence by Shell, whose irresponsible approach to oil spills in the Niger Delta has exacerbated an existing environmental crisis.
"People have been drinking polluted water for years. There are no jobs, there is no future there. People cannot even use their land to farm because the land has been damaged by Shell's activities", Victoria said.
"My husband was a very caring man. He was a politically active man, he stood up for the Ogoni people so that they could have a better tomorrow.
"I want justice for my son, myself and my entire family. This is the way to do it: to clear my husband's name, to let the world know what Shell did to me and to let my son know what really happened."
On 1 May, it is imperative that Victoria's long wait for justice finally comes to an end.
"I will fight to my last breath" - Esther Kiobel on her 22-year battle to get Shell in court
Nigeria/Netherlands: Shell involvement in execution of Ogoni Nine to be decided by court


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You are here: Home / Uncategorized / The Hamas – Oops, Gaza – Flotilla
The Hamas – Oops, Gaza – Flotilla
June 27, 2011 by PJV Contributor Leave a Comment
We're on the verge of another "flotilla" to Gaza. Estimates of the number of ships and participants vary from day to day, tending downward, but the erstwhile organizers insist that the maritime operation will take place.
Their spokesmen have been hyperactive in drawing attention to the event. After all, without coverage, they'd be denied their oxygen. And the kind of coverage they seek – idealistic humanists and peace activists determined to aid the poor, beleaguered residents of Gaza versus stone-hearted oppressors in military uniforms determined to block them at all costs – would, needless to say, portray Israel in the worst possible light.
The International Solidarity Movement, Free Gaza Movement, U.S. Boat to Gaza, and kindred spirits want the world to believe there is a strip of land called Gaza that, left to its own devices, would create the Shangri-La of the Middle East.
All its residents want are peace, harmony, coexistence, and tranquility. Some spokesmen acknowledge that Gaza has a governing authority. A very few even mention its name, Hamas, but hasten to add that it was elected democratically, so end of story. The rest don't give it a name, as it might muddy the waters.
According to this narrative – a word particularly popular in Middle East discussions- the residents of Gaza face a neighboring oppressor, Israel, which, for diabolical reasons of its own, wants to inflict maximum harm on people whose only dream in life is to live and let live. For these spokesmen, the wealth of vocabulary in the Oxford English Dictionary fails to capture the true nature of Israel's venality.
Enter, then, the self-described, modern-day Freedom Riders. They're boarding flotilla ships, they suggest, to bring aid, relief, and attention to those trapped in Birmingham, Alabama, circa 1963.
George Orwell, where are you? You could have a field day with this story.
Actually, you anticipated it when you wrote about the Ministry of Truth in your classic book, 1984. What were the ruling party's slogans on the outside of the 1,000-foot-tall building housing the ministry? Weren't they "War is Peace," "Freedom is Slavery," and "Ignorance is Strength"? And didn't the ministry rewrite history at will to ensure it always served the party's interests?
The Gaza flotilla spokesmen are inverting the truth and rewriting history at will to serve their interests. And what are those interests? To prop up the Hamas regime in Gaza and delegitimize Israel.
While they are entitled to their own opinions, however misguided, they are not entitled to their own facts.
They cannot separate Hamas from the equation. Much as they might try, the central fact is that Hamas is key to understanding Gaza today.
Hamas is a terrorist organization. Don't take my word for it. Check with the United States and European Union, both of which have designated Hamas as a terrorist entity.
Hamas preaches the elimination of Israel and a toxic brew of classical anti-Semitism. Again, don't believe me. Read the Hamas Charter.
While Hamas may have been elected to govern with the PA in 2006, the first and only national Palestinian elections, one election does not a democracy make. Hamas used the ballot box to gain a foothold, then employed anti-democratic means to impose its own suffocating vision on the land. Hamas violently ousted the Fatah-led Palestinian Authority from Gaza in 2007 and has ruled ever since. Because Hamas cannot reform, the much heralded "unity" agreement it signed with Fatah six weeks ago is headed for an uncertain future.
Hamas celebrates violence. It joyously speaks of jihad, martyrdom, conflict, and the ultimate destruction of Israel. It has matched its fiery rhetoric with a sustained effort to import weapons, courtesy of Iran, smugglers in the Sinai, and tunnels from the Egyptian side of the border. In recent years, literally thousands of rockets and missiles have been fired from Gaza at Israel. Why?
Israel has no claim on Gaza. To the contrary, Israel withdrew from Gaza in 2005. Soldiers and settlers alike were pulled out by Prime Minister Ariel Sharon, giving local residents the first chance ever in their history to govern themselves.
Indeed, with Israel's encouragement, a number of Jewish donors purchased Israeli greenhouses in Gaza and left them behind to help jump-start the local economy. The first reaction was to ransack them, when they could have been sources of flowers and vegetables for the local economy.
Israel has an interest in a stable, peaceful, and prospering Gaza, not a gun-toting, missile-firing, jihad-preaching entity. After all, you can change a lot of things in life, but not neighbors. Israel and Gaza are destined to be neighbors for a long time to come.
The Quartet – the U.S., EU, Russia, and UN – set three conditions for engagement with Hamas. The group must forswear violence, recognize Israel's right to exist, and accept previous Israeli-Palestinian agreements. To date, none of those conditions have been met. Apologists for Gaza would have you believe otherwise, but Hamas's spokesmen always undercut them. When it serves their purposes, they might briefly curtail violence to regroup and rearm, but Hamas is adamant that it will never abandon its struggle against Israel.
So, let's be clear. The flotilla participants, whether they acknowledge it or not, are handmaidens of a terrorist regime. That regime, not Israel, is responsible for the conditions in Gaza, which may not be enviable, but are a far cry from the dire picture of starvation and stunted growth painted by the hyperbolic spokesmen.
Israel has only one concern, which is to ensure that Hamas, a declared enemy of Israel, does not get additional means to threaten its neighbor. That's it, pure and simple.
As has been said, if Hamas laid down its weapons, there would be peace. If Israel laid down its weapons, there would be no Israel.
The flotilla participants claim their mission is nothing more than humanitarian, but, in reality, it serves the interests of a regime that espouses terrorism, peddles anti-Semitism, and praises the memory of Osama Bin Laden.
To portray themselves as the new wave of Freedom Riders is to trample grotesquely on the legacy of America's civil rights struggle and rewrite history. Orwell's Ministry of Truth is back.
For more information, visit ajc.org.
Filed Under: Uncategorized Tagged With: Flotilla, Gaza, Hamas, Harris, Israel


Just watched this week's Grand Tour. Usual circus act, with the exception of the piece on Jim Clark. It's worth taking a look if you have not already.
The Jim Clark piece is one of the best TGT / TG features ever. Brilliant bit of work.
Jim Clark is a hero of James' too. He loved it.
Great TV. Such a refreshing change to see a serious article on GT.
I'm still a fan of their usual larking about, but it's nice to know they can still do some proper motor journalism.
After good feelings from episode 1 and Detroit, a bit of the seriousness without too much of the very annoying silliness and stupidity, Eposide 2 and the bit i've seen of 3 are totally about the annoying, contrived and pre-planned stupidness and not a lot more.
Last edited by IanD on Sat Feb 09, 2019 7:07 pm, edited 1 time in total.
Great feature on Jim Clark. A lot i didnt know, brings a tear to the eye.
Just watched the feature on Jim Clark. Awesome.
I'd like to see this but a refuse to pay Amazon a single penny .
In which case you will need to wait for YouTube. I guess.
You saying you never give Amazon any business. At all?
i stopped watching half way through series 2 because of the f**king around, but i started watching this series and it almost becomes background tv with looking on the net.
Will see what the next episode brings.
Freddie will be chuckling along to it soon, I expect.
Incredibly evocative piece - really really enjoyed it!
Agreed, it was a good watch.
Although I listened to a podcast with Derek Bell recently (Dinner with Racers) and he told the story that the cause of the accident he believed was most likely due to a misfire, not a deflation of the left rear tyre.
Bell was in that race but retired some laps before, he gives a longer explanation and mentions a discussion he had with a Lotus engineer working on Clark's car that weekend who agrees they had been suffering a misfire. He described the likelihood of the left rear giving up where it did as very low as Clark didn't run wide on the exit of the stadium section or turn 1 and there was a long straight before the corner of his accident along which, if the tyre had begun to deflate, it's unlikely Clark would have entered the corner at full racing speed. On a particularly cold day and in low grip conditions, without any external influence it's unlikely the tyre would just deflate.
However, on a long right hander with the power on and in low grip conditions, a sudden loss of throttle from a misfire would shift the weight forward and off the back left causing it to step out, did it step out and spit the car in to the trees?
Disclaimer- I am paraphrasing the story or Derek Bell from a podcast I heard a few weeks ago, the views are not mine.. although it does sound plausible.
Really enjoyed this, I had no idea how talented he was. Legend!!


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Rep. Guthrie congratulates Bowling Green High School student on U.S. Military Academy appointment
By Katey Cook
BOWLING GREEN, Ky. (WBKO) - On Friday, Congressman Brett Guthrie stopped by Bowling Green High School to personally congratulate a Bowling Green High School student on being accepted into West Point. Guthrie is an alumni of The Unites States Military Academy.
"It's an extremely tough place to go to school, and as I tell him, it'll be worth it when it's all over. He'll have an interesting four years ahead of him," Congressman Guthrie said.
It's not easy to be accepted into this prestigious school. Saint Carmichael, the student who was recently appointed, said this has been a goal of his for years. He has been heavily involved in sports and academics during high school, receiving a 4.0 GPA and a 35 on the ACT.
"It was a dream come true for me, I mean, I'd spent so many hours working on applications and then, you know, for my whole life, you know, I'd been trying to keep up my grades playing sports, that sort of thing," Carmichael said. "So, to finally have that moment of acceptance was incredible."
Carmichael received a nomination through Guthrie's congressional office. Both his father and grandfather have a military background.


The French government may introduce a law making it obligatory for lighting in shops and public buildings to be switched off during the early morning hours.
"Put that light out!" was an often heard cry of Air Raid Precautions (ARP) wardens in Second World War Britain. It, or rather the French, "Éteignez la lumière!" could soon become a familiar call of law enforcement officers in France.
The French government is on course to finalise a law which would make it compulsory for lighting in and on non-residential buildings, including shops and other commercial premises in France, to be switched off between the hours of 1 a.m. and 6 a.m.
The proposed restriction on non-essential lighting in France has not met with universal approval. Many shops and commercial enterprises are against the move as are many French town halls fearing both an upsurge in crime and an adverse impact on tourism.
Many environmental organisations in France are in favour of the measure. One of the leading advocates of the campaign to switch off non-essential lighting is France Nature Environnement (FNE). This environmental group called for such a measure at a French national round-table meeting on energy efficiency, which was attended by the then French Cabinet Minister for Ecology and Sustainable Development, Nathalie Kosciusko Morizet last year. Now, the proposed measure may be introduced into French law as early as July 1, 2012.
FNE has estimated that switching off non-essential shop and commercial lighting and the lighting of public buildings all over France would save the equivalent electricity consumption of a large city, 260,000 households to be exact.
FNE consider that the burden of energy conservation in France should not fall exclusively on private households but that commercial enterprises, government departments and local authorities should also be taking visible steps to reduce unnecessary energy consumption.
If the French lighting law does reach the statute book, there are likely to be exceptions for emergency lighting whilst movement sensor activated lighting within buildings may be permitted.
Digital Journal recently carried an Op-ed piece on the Worldwide Fund for Nature backed Earth Hour 2012, but, after the summer of 2012, there is every possibility that France will have five Earth Hours every single night of the year.