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Archive for March, 2015

31 March
Comments Off on Census: Arizona has high number of second marriages

Census: Arizona has high number of second marriages

The US Census Bureau released a report earlier this month detailing national statistics on second marriages, revealing that Arizona has a statistically higher number of remarried residents than most states.

And that high ranking is surely inflated in some way by Kingman and Prescott, Ariz. residents, who have the two highest percentages of twice-or-more-married people. A staggering 41.7 percent of residents 15 and older in Kingman have been married twice or more; 40 percent of Prescott residents in the same age bracket have been married at least twice.

As a state, Arkansas leads the nation in percentage of remarried residents, with 35 percent of its over-15 population having said wedding vows at least twice.

New Jersey, meanwhile, has the lowest percentage of remarried residents, with just 16 percent of its population fitting the criteria.

31 March
Comments Off on Google providing car insurance quotes in latest expansion

Google providing car insurance quotes in latest expansion

SAN FRANCISCO #x2014; Google is helping California drivers shop for car insurance as part of a new service that could foreshadow the Internet companys latest attempt to shake up a long-established industry.

The feature, unveiled earlier this month, compares auto insurance quotes from up to 14 carriers that are participating in the comparisons. The policies can then be bought online or through an agent. Google will receive a cut from the insurance sales. The Mountain View, Calif., company says the size of the commissions wont influence how it ranks the price quotes.

Google Inc. plans to provide car insurance quotes in other states and sign up more carriers, too. The list of initial participants in California includes MetLife, Mercury Insurance and 21st Century Insurance. Some of the largest auto insurance providers, including State Farm, Allstate, Progressive and Geico, havent joined Googles service.

Progressive and Allstates esurance.com also provide auto insurance price comparisons.

The major auto insurers may be leery of Google, which has been using the power and profits from its dominant Internet search engine and other popular digital services to challenge the status quo in other industries.

Google already has designed a driverless car that is still being tested on a private track and is financing various projects in medical research. Its also building high-speed Internet access networks in cities scattered across the United States and preparing to sell wireless data plans directly to consumers later this year.

Google is probably using its auto insurance comparison service to learn more about how the industry works so it can eventually underwrite and sell policies on its own, said Forrester Research analyst Ellen Carney. They are getting all the data that they need to do it, Carney said. I think there is definitely more to come here.

A Google spokesman, however, said the company has no plans to sell or underwrite insurance.

The debut of Googles insurance price comparison service validated a prediction that Carney made two months ago about Googles intentions.

In a blog post, Google said it is just trying to give people a better understanding of financial products. The company already has been offering a tool that compares credit cards.

31 March
Comments Off on Public Editor: Toronto Star can say ‘Dentists are frightening’

Public Editor: Toronto Star can say ‘Dentists are frightening’

The Ontario Press Council ruled that it was OK for Toronto Star columnist Heather Mallick to say Dentists are frightening, even the kindest dentist is alarming and other negative comments about dentists. Mallick told readers that she skipped dental visits for at least 24 years and opined nobody needs to go to the dentist if they brush well and have good genes.

One reader, a Toronto dentist, complained about Mallicks comments critical of dentists, Toronto Star public editor Kathy English reported Opinion columnists speak for themselves. But do they if they provide what could be construed as bunk medical advice?

iMediaEthics contacted both the Canadian and American Dental Associations to ask if the column comprised offensive opinion or unhealthful, and possibly even dangerous, medical advice causing harm to Star readers by feeding fears.

The CDA declined to comment to iMediaEthics. A spokesperson for the ADA told iMediaEthics: We are very concerned about fostering misconceptions about dental visits.

The spokesperson pointed to the ADAs MouthHealthy.org website, which states:

Your mouth is a window into the health of your body. It can show signs of nutritional deficiencies or general infection. Systemic diseases, those that affect the entire body, may first become apparent because of mouth lesions or other oral problems…Many people believe that they need to see a dentist only if they are in pain or think something is wrong, but regular dental visits can contribute to a lifetime of good oral health.

Janet Tamo, the dentist who complained to the press council told iMediaEthics, Her [Mallick] column was inflammatory and hurtful to hard working dentists everywhere. And it also did a disservice to the reading public who could be negatively influenced by her extreme opinions.

But English pushed back. The news columnists right to sometimes offend has been reaffirmed time and time again by the Ontario Press Council, English wrote, citing this latest decision by the council. English added that she often receives complaints from readers over potentially offensive columns in the paper.

Mallicks Jan. 23 column responded to the scandal at the Dalhousie dentistry scandal, where male dentist students at the Dalhousie Doctor of Dental Surgery program posted misogynistic, homophobic, violent and sexualized comments about their classmates in a Facebook group. Mallick argued dentists are frightening because they enter your body, with your stated permission, and chat away and there is a power imbalance when you go to a dentist.

The dentist who complained to the press council, Tamo, wanted the Star to apologize for Mallicks outdated wanted of dentists which insulted an entire profession, English wrote.

Tamo told iMediaEthics by e-mail she isnt satisfied with the Stars defense. The reply from the Toronto Star was ridiculous and insensitive to my profession, Tamo wrote. I have worked tirelessly as a dentist for the last 35 years and I take great exception to the stereotyping and outdated references in the Heather Mallick column. The Star is trying to say that it was an Opinion column, which gives greater latitude but it actually ran on a day that her column was supposed to be factual reporting.

The Stars English responded to that point in an e-mail to iMediaEthics: Heather Mallick is an opinion columnist for the Star on whatever day her column is published. The Stars original response to Dr Tamo explained that the piece was a column.

The Star defended Mallick as being allowed to express views that some might find offensive because she is an opinion columnist and said her comment were not against all dentists.

The wide latitude the Star gives its opinion columnists to speak for themselves means that columnists have freedom to opine in such a manner that some readers might indeed deem to be offensive, outrageous, irrational, immoderate, illogical or even downright ridiculous, English explained.

Similarly, the council decided to dismiss the complaint based on the wide latitude provided columnists to comment with a personal point of view, even though some may find it offensive.

The press council ruled against holding a hearing on the dentist Tamos complaint because of the latitude afforded columnists to provide comment and personal opinions, the council said on its website. In this case, the columnist provided her personal recollections and opinions about her experiences with dentists. Her comments also expressed her outrage against the actions of the group of dental students involved in posting sexual comments about their female co-students.

The council added: Columnists are expected to provide strong comment which, at times, may offend some readers. But in doing so, they are offered wide latitude to express their opinions.

English noted that columnists only speak for themselves and not the paper. It is largely outside my mandate to call out any columnist for expressing views I disagree with or deem offensive, she wrote. The overriding principle a public editor must defend is the latitude of opinion journalists to express an opinion that might offend.

31 March
Comments Off on Ken Garten: These are the basics of your car insurance

Ken Garten: These are the basics of your car insurance

The State of Missouri requires by statute that all motor vehicle liability policies, commonly known as car insurance, contain certain necessary terms and conditions.

They must provide minimum limits of coverage of $25,000 for bodily injury claims for any single person injured in a single accident; $50,000 for all bodily injury claims to all injured parties arising from a single accident, regardless of the number of persons injured; and $10,000 for total property damage sustained in any single accident.

I would certainly recommend higher limits than these, but these are the minimum required by law.

Missouri motor vehicle liability policies must also cover the liability of any person other than the insured owner who is operating the motor vehicle with the express or implied permission of the owner.

What this means is if I toss you my keys for a milk run, and say take my car, then by law in Missouri, my insurance covers you while operating my car, just like you were me.

Keep in mind, however, that this does not mean I am personally liable if you injure someone driving my car (unless I knew or should have known that you were drunk or habitually reckless or otherwise unfit to drive my car safely when I let you use it) but just that my insurance must cover you if you do.

However, as an exception to this rule, insurance companies are allowed by law to exclude a specifically indentified member of the insured persons household from coverage.

So, if my insurance company knows that I have a maniac driver in my household, with a driving record as long as your arm, and accordingly states specifically in their policy that they arent going to cover this maniac by name, then no, they dont cover him, even if I give him permission to drive my car.

Missouri law also requires that my insurance company covers me for liability claims asserted against me arising while I am driving someone elses car with their permission.

And, if they have liability insurance on the car they let me drive (which they are required to have) and I too own a car with liability insurance, then both their policy on the car they let me drive, and my policy on my own car, cover me, with total limits of both policies.

Missouri law also requires that every motor vehicle liability insurance policy include uninsured motorist coverage. Uninsured motorist coverage extends coverage to the liability of a driver without insurance for injury caused by him suffered by an insured individual and his passengers.

What this means is that if you are tooling along in your insured motor vehicle, and get walloped by some imbecile who is not only a dangerous driver, but has no insurance on his car to cover his liability #x2013; and these two factors can often go together #x2013; then your own insurance coverage must step into his shoes, and cover your claim against him, just like they were his insurance company. But this only applies to injury, and not damage to your car. Car damage requires comprehensive collision coverage.

31 March
Comments Off on What You Need to Know About Car Insurance Quotes in No-Fault States

What You Need to Know About Car Insurance Quotes in No-Fault States

Getting car insurance quotes can be time consuming. Once you’ve gathered all your information, you have to enter it on form after form. And if your state requires car insurance coverage beyond traditional liability, the quote you do receive may be higher than you’d like.

That is often true in so-called no-fault states, in which insurers are required to compensate their customers for damage regardless of who was at fault. Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New York, North Dakota and Utah require no-fault coverage, and the coverage is optional in Kentucky, Pennsylvania and New Jersey.

With no-fault insurance, drivers are required to buy personal injury protection, or PIP, which can add quite a bit to the cost of insurance. Eight of the top 10 most expensive cities for car insurance — including Detroit, Philadelphia and Miami — are in no-fault states, according to a 2014 NerdWallet study, though other factors can also contribute to high rates.

No-fault insurance also limits the right of policyholders to sue in the event of an accident.

Though it does make it harder to find cheap car insurance, the personal injury protection provided in no-fault states does have several important benefits. And you don’t need to enter any additional information to receive a quote for it. If you live in a no-fault state, you auto insurer will simply include it in the rate it provides.

PIP gives protection for a price

If you live in a no-fault state, your auto insurance quote will be made up of at least two different coverages: liability and personal injury protection.

PIP covers medical and related costs for drivers and their passengers. Its coverage is much broader than what is typically offered by health insurance. Depending on your policy and your state, PIP can pay not only for medical expenses but also for lost wages, help around the house and funeral expenses. Some PIP plans will also cover electric wheelchairs and wheelchair vans.

Most states that require PIP have a legal minimum, just as every state requires drivers to carry a minimum amount of liability coverage. For example, Florida requires at least $10,000 in PIP, while Minnesota requires $40,000. Generally you can buy more if you want. Drivers in Michigan automatically carry unlimited PIP benefits. If you do not live in a no-fault state, you can probably buy PIP as an option.

Other required coverages can add to your quote

Some no-fault states also require drivers to buy coverage in addition to liability and PIP. If your state has these requirements, your quote will reflect that. For example, New York state drivers must buy uninsured/underinsured motorists coverage, which pays for medical and auto repair expenses caused by drivers without enough coverage. Uninsured/underinsured motorist policies are also required in Kansas, Minnesota and North Dakota.

As in any state, your quote will also change based on any elective coverages you choose, such as comprehensive or collision, as well as your driving record, age, location and other individual factors.

Just keep an eye on the coverage limits and deductibles your insurer uses for your quote. If the carrier quotes you for the legal minimum, and you want more protection, the actual price you pay will be higher.

Getting auto insurance quotes online may seem faster and easier than making an appointment with an agent — and sometimes it is. But if you have questions, consider a sit-down with a licensed agent. He or she can help you pick appropriate coverage limits and make sure the price you’re quoted is as close as possible to the premium you’ll pay.

Alice Holbrook is a staff writer covering insurance and investing for NerdWallet. Follow her on Google+.

Image via iStock.

30 March
Comments Off on Here’s what bad credit can mean for car insurance rates

Here’s what bad credit can mean for car insurance rates

In states where a credit-based insurance score is allowed to influence rates, the impact of bad credit can be severe. (Photo: Shutterstock)

Editors note: This article first appeared on Insurance.com and is reprinted here with their permission. Clickherefor the original post.

A bad credit history wont just boost the cost of your car loan. It will probably jack up your car insurance premiums.

More than 90% of insurance companies consider credit history as one of the factors when setting car and home insurance rates.

30 March
Comments Off on America’s dentists buying Capitol Hill home, launching private club
30 March
Comments Off on Soyer: End forced marriages

Soyer: End forced marriages

Soyer: End forced marriages

BY HANNAH SOYER | MARCH 27, 2015 5:00 AM

Until I had read the recent New York Times article Woman breaks through chains of forced marriage and helps others do the same, I thought that such things were only in faraway countries such as India, China, or those in the Middle East. However, according to a 2011 survey by the Tahirih Justice Center, there had been 3,000 known or suspected cases of forced marriage in the past two years in the United States.

Apart from those people directly involved in the arranged marriages or those involved in the religious communities that practice them, I am sure that this was the first many people had heard of such an abhorrent crime happening right here in America.

People may question my use of the word forced over arranged, but it is important to realize that in the case of marriages, they mean the same thing. Indeed, arranged may be a term used to make the act appear less violent.

But can a marriage really be a violent thing? Yes. Also according to the study done by the Tahirih Justice Center, girls as young as 15 are being forced into marriages in the United States, more likely than not under threats of ostracism, beatings, and even death. Once they are in the marriage, it is practically impossible to divorce, as most of the communities that practice forced marriage (Orthodox Jewish, Muslim, Mormon, Sikh, etc.), do not allow women to divorce their husbands.

Fraidy Reiss, the woman profiled in the New York Times article, was married for 15 years to a man she had been forced to marry because of the Orthodox Jewish community that she grew up in. Since her divorce, which was a long and difficult to obtain, she has founded an organization called Unchained At Last.

According to its website, Unchained At Last is the only nonprofit organization in the United States that works to help women and girls avoid or leave forced marriages. The website also says it estimates that the number of women and girls forced into marriages to be a lot higher than the number given by the Tahirih study, simply because of the sheer size of the communities mentioned earlier.

There have not been many studies done on forced marriages in the United States, which is probably because it has received so little coverage. As a result, girls and women who are forced into these situations are looked over and marginalized. What does this say about Americas (slowly) progressing approach to feminism? Not much.

How can we expect to successfully fight for womens equal pay when there are still women in this country unable to access the freedom of being able to marry who they want (as long as its a man)? This is why it is so important to make this a national issue, one that needs to be talked about and one that needs to be addressed.

In todays issue:

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30 March
Comments Off on Are sweatpants and yoga pants ruining women and marriages?

Are sweatpants and yoga pants ruining women and marriages?

TORONTO¬†— Sweatpants are ruining the world. Or so some might have you think.

This week, American author and cultural critic Fran Lebowitz, went on a tirade about certain fashion choices that she despises. Among them? Yoga clothes.

Even men wear them! she exclaimed to Elle.com. Its just another way of being in pajamas. You need more natural beauty to get away with things like that.

30 March
Comments Off on On Faith: Concerts to benefit church choir tour, Buddhist summer camp

On Faith: Concerts to benefit church choir tour, Buddhist summer camp

Concerts on successive Fridays at United Church of Chapel Hill will feature a world premiere and performances by local artists and the church youth choir.

Both concerts will be at 7:30 pm in the church sanctuary, 1321 Martin Luther King Jr. Blvd. No admission fee will be charged, but donations are welcome.

On Friday, cellist Roman Placzek and pianist James Rice will present “From Brahms to Dumka,” featuring sonatas by Brahms, Debussy and Chopin. A composition by Placzek “Dunka for Cello and Piano” will have its world premiere.

The offering at this concert will support the refurbishment of the church’s 3-octave Schulmerich handbells.

On March 27, Alexander Anderson will present “Bach to the Future,” to benefit the summer tour of the United Church Youth Choir. The program will feature preludes and fugues in C major and B minor. The program will also include Bach chorales, sung by members of the choir, paired with the matching organ chorale preludes.

Placzek is a cellist, composer, soloist, chamber musician, orchestral player and music educator who has performed with many artist, ensembles and orchestras across Europe and the East Coast of the US

Pianist Rice holds a master’s degree in Collaborative Piano from the UNC School of the Arts. He earned his undergraduate degree in music education from the University of Tennessee and studied at the Ian Tomlin School of Music at Napier University, Edinburgh.

Born in Scotland, Anderson was educated at Glasgow University and the Royal Scottish Academy of Music. As assistant organist at St. Giles Cathedral in Edinburgh, he was a prize winner at the St. Albans International Competition. He was organist and director of chapel music at Rollins College in Florida and back in England was director of music at Haileybury College in Hertfordshire.

Buddhist benefit

The Won-Buddhist Meditation Temple will hold a benefit concert for Dharma Camp scholarships from 7:30 to 8:45 pm Friday, March 20.

Each summer the temple offers a unique five-day Dharma Camp for children. Because of growing interest, this summer it will offer a week in June and/or a week in July.

Last year 15 children received scholarship support.

The concert will offer a variety of music: violin, flute, piano, dulcimer, guitar as well as singing.

A donation of $10 to $20 is suggested.

The Meditation Temple is located at 8021 Old NC 86 between Chapel Hill-Carrboro and Hillsborough.

Organ recital

Robert Parkins, university organist and professor of the Practice of Music at Duke University, will give an organ recital at 5 pm Sunday at Duke Chapel.

His recordings have appeared on the Calcante, Gothic, Musical Heritage Society and Naxos labels.

The recital, titled German Organ Music of Three Centuries, will include music performed on the Flentrop organ by Buxtehude, Bach, Mendelssohn, Brahms, Reger and others.

This is the final program in the Duke Chapel Organ Recital Series. All are welcome.

Interactive Easter

To prepare for Easter, Christ United Methodist Church in Southern Village is offering an interactive experience from 4:45 to 6:30 pm Wednesday, March 25.

Individuals and families will journey through five stations, following Jesus’ footsteps during his last days on earth.

The journey will take you from Jerusalem on Palm Sunday, to a sit-down Last Supper, to prayer in the Garden of Gethsemane, to rediscovering the sacrifice of Good Friday and finally to celebrating Jesus’ resurrection at the empty tomb.

Designed for parents/caregivers and their elementary-age children to experience the Easter story together, the event focuses on hearing, seeing, smelling and even tasting some of what Jesus experienced.

Child care will be provided for very young ones.

IFC donation

The Inter-Faith Council for Social Service has received $3,000 from the Food Lion Charitable Foundation to help feed Chapel Hill residents. IFC will use the gift for food purchases or nutrition education.

“Our neighbors in need are extremely grateful for the gift. Without gifts from Food Lion and other support we receive from our community, we wouldn’t be able to provide food to the homeless, hungry and working poor households who come to us for help,” said John Dorward, IFC executive director.

For more than 50 years, IFC has mobilized the community to address homelessness, hunger and economic disparity. Its food pantry provides monthly grocery allotments and holiday meals to more than 4,600 local households. The Community Kitchen serves three free meals 365 days a year, to anyone.

Orange County has an estimated 20,900 households needing food, according to Feeding America. Last year, the Community Kitchen served 84,645 meals and the food pantry distributed 16,826 bags of groceries and 867 holiday meals.

Jungian dreams

Chris Beach, a Jungian analyst and registered counselor with a private practice in Portland, Maine, will discuss “Big Dreams” in a lecture at 7:30 pm Friday, March 27, and on Saturday, March 28, in a workshop from 10 am to 4 pm at Olin T. Binkley Memorial Baptist Church on Willow Drive.

These events, sponsored by the CG Jung Society of the Triangle, will examine three kinds of numinous experiences that are inner in nature, ie big dreams of great importance individually or collectively, visions as if dreaming while awake and active imagination.

These will be considered in the lives of historical figures, such as Jung, German writer and composer Hildegard von Bingen and Black Elk of the Oglala Lakota (Sioux) as well as in the lives of participants and others they have known.

Beach works with individuals, facilitates dream groups and teaches courses on dream interpretation, psychological type, Jungian psychology, active imagination and ethics.

Formerly, he served as a teacher and headmaster in Kenya and as an assistant attorney general representing Maine’s Department of Human Services.

For more information visit the website of the Jung Society of the Triangle.