I changed my major from Accounting to Risk Management becaus someone told me I should due to my personality not fitting Accounting. The only problem is I do not really know what Risk Management is. My family friend is a Risk Manager and she works for an insurance company… So can someone explain the whole idea to me?
Each business entity is exposed to potential losses from insurable risks. For example, a restaurant can have the building burn down due to fire, employees can get injured on the job and patrons can slip and fall on the premises. All of these events happen often.
A risk manager attempts to find ways of either transferring the risk from these potential losses to another entity (i.e., purchase insurance) or mitigating risks of losses by implementing loss control efforts.
Usually, the risk manager does both of these. At the same time, the risk manager is attempting to find the most cost-effective way of accomplishing it.
For example, the risk manager may decide that it makes the most sense to purchase workers compensation insurance, retain all of the risk of loss from slips & falls, and only retain the first $25,000 of losses from fire damage to the property.
http://www.nowfoundation.org/issues/communications/tv/mediacontrol.html
http://www.google.com/search?hl=en&lr=&q=fascism+in+america&btnG=Search
) Powerful and Continuing Nationalism: Fascist regimes tend to make constant use of patriotic mottos, slogans, symbols, songs, and other paraphernalia. Flags are seen everywhere, as are flag symbols on clothing and in public displays.
September 11 Freedom Walk
New Majority Leader: Iraq War “May Be The Greatest Gift That We Give” Our Grandchildren
Headstones of soldiers killed in Iraq and Afghanistan are inscribed with the Pentagons war-marketing slogans
White House and the RNC are going to make a habit of using uniformed military personnel as props at Republican political rallies, despite the fact that it is a plain violation of military regulations banning politicization of the armed forces.
"You must glorify war in order to get the public to accept the fact that your going to send their sons and daughters to die." The inside story of the cozy relationship between big box office American war movies and the Pentagon
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2.) Disdain for the Recognition of Human Rights: Because of fear of enemies and the need for security, the people in fascist regimes are persuaded that human rights can be ignored in certain cases because of "need." The people tend to look the other way or even approve of torture, summary executions, assassinations, long incarcerations of prisoners, etc.
Bush threatens to veto $442b defense bill if Congress investigates detainee abuses.
Guantanamo Judge: “I don’t care about international law. I don’t want to hear the words ‘international law’ again. We are not concerned with international law.”
Rumsfeld to approve new guidelines that will formalize the administration's policy of imprisoning without the protections of the Geneva Conventions and enable the Pentagon to legally hold "ghost detainees,"
US 'preparing to detain terror suspects for life without trial'
U.S. oks evidence gained through torture
July 1, 2003: U.S. Suspends Military Aid to Nearly 50 Countries: because they have supported the International Criminal Court and failed to exempt Americans from possible prosecution.
US has at least 9000 prisoners in secret detention
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3.) Identification of Enemies/Scapegoats as a Unifying Cause: The people are rallied into a unifying patriotic frenzy over the need to eliminate a perceived common threat or foe: racial, ethnic or religious minorities; liberals; communists; socialists, terrorists, etc.
Congressman: Muslims 'enemy amongst us'
SB 24, Ohio law to muzzle "liberals"
World history textbook used by seventh-graders at Scottsdale’s Mohave Middle School was pulled from classrooms mid-semester amid growing right criticism of the book’s unbiased portrayal of Islam
Rallies planned against 'Islamofacism': Event to 'unify all Americans behind common goal'
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4.) Supremacy of the Military: Even when there are widespread domestic problems, the military is given a disproportionate amount of government funding, and the domestic agenda is neglected. Soldiers and military service are glamorized.
If you haven't seen the Oreo flash animation yet, see it here
Bush’s Domestic Program Hit List
Bush slashes domestic programs, boosts defense. Arlen Spector calls it "scandalous"
Funding for job training, rural health care, low-income schools and help for people lacking health insurance would face big cuts under a bill passed Friday by the House
Pentagon to spend 75 billion for three new brigades
Three cable channels now feed news, information and entertainment about the armed services into millions of living rooms 24 hours a day, seven days a week: The Military Channel, the Military History Channel and the Pentagon Channel.
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5.) Rampant Sexism: The governments of fascist nations tend to be almost exclusively male-dominated. Under fascist regimes, traditional gender roles are made more rigid. Opposition to abortion is high, as is homophobia and anti-gay legislation and national policy.
It's legal again, to fire gov't workers for being gay
Bush calls for Constitutional ban on same-sex marriages
Bush refuses to sign U.N proposal on women's "sexual" rights
W. David Hager chairman of the FDA's Reproductive Health Drugs Advisory Committee does not prescribe contraceptives for single women, does not do abortions, will not prescribe RU-486 and will not insert IUDs.
The State Department has awarded an explicitly anti-feminist U.S. group part of a US$10 million grant to train Iraqi women in political participation and democracy.
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6.) Controlled Mass Media: Sometimes the media is directly controlled by the government, but in other cases, the media is indirectly controlled by government regulation, or sympathetic media spokespeople and executives. Censorship, especially in war time, is very common.
FBI Acknowledges: Journalists Phone Records are Fair Game
Report shows U.S. government has been engaged in illegal propaganda aimed at its own citizens and the story gets only 41 mentions in the media
Free Press details recent governmental propaganda efforts, from faux-correspondent Jeff Gannon to paid-off pundit Armstrong Williams, and from the demise of FOIA to video news releases passed off as news. also… See a Whitehouse fake news release here (opens realplayer)
US seizes webservers from independent media sites
Bush's war on information: US editors forbidden to publish certain foreign writers
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7.) Obsession with National Security: Fear is used as a motivational tool by the government over the masses
Bush Aides ADMIT 'stoking fear' for political gain: Bush adviser said the president hopes to change the dynamics of the race. The strategy is aimed at stoking public fears about terrorism, raising new concerns about Kerry's ability to protect Americans and reinforcing Bush's image as the steady anti-terrorism candidate, aides said.
The Bush administration periodically put the USA on high alert for terrorist attacks even though then-Homeland Security chief Tom Ridge argued there was only flimsy evidence to justify raising the threat level.
Keith Olbermann: "The Nexus of Politics and Terror."
Cheney warns that if Kerry is elected, the USA will suffer a "devastating attack"
GOP convention in a nutshell (quicktime)
Rove: GOP to Use Terror As Campaign Issue in 2006
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8.) Religion and Government are Intertwined: Governments in fascist nations tend to use the most common religion in the nation as a tool to manipulate public opinion. Religious rhetoric and terminology is common from government leaders, even when the major tenets of the religion are diametrically opposed to the government's policies or actions.
Jerry Falwell cleared of charges that he broke federal election law by urging followers to vote for Bush
NC congressman proposes law making it ok to preach politics from the pulpit
Texas Governor Mobilizes Evangelicals
Family research council: Justice Sunday
Thou shalt be like Bush: What makes this recently established, right-wing Christian college unique are the increasingly close – critics say alarmingly close – links it has with the Bush administration and the Republican establishment.
Park Service Continues to Push Creationist Theory at Grand Canyon and other nat'l parks
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9.) Corporate Power is Protected: The industrial and business aristocracy of a fascist nation often are the ones who put the government leaders into power, creating a mutually beneficial business/government relationship and power elite.
The K Street Project is a project by the Republican party to pressure Washington lobbying firms to hire Republicans in top positions, and to reward loyal GOP lobbyists with access to influential officials. It was launched in 1995, by Republican strategist Grover Norquist and House majority leader Tom DeLay.
American Conservative Magazine: One U.S. contractor received $2 million in a duffel bag… and a U.S. official was given $7 million in cash in the waning days of the CPA and told to spend it “before the Iraqis take over.”
There are 6 Congressional Committees investigating the Oil-for-Food (UN) scandal, yet not a single Republican Committee Chairman will call a hearing to investigate the whereabouts of 9 billion dollars missing in Iraq
Bush money network rooted in Florida, Texas: Since Mr. Bush took office in 2001, the federal government has awarded more than $3 billion in contracts to the President's elite 2004 Texas fund-raisers, their businesses, and lobbying clients
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10.) Labor Power is Suppressed: Because the organizing power of labor is the only real threat to a fascist government, labor unions are either eliminated entirely, or are severely suppressed.
Labor Department warns unions against using their money politically
President Bush Attacks Organized Labor: Bush attacked organized labor Saturday, issuing orders effectively reducing how much money unions can spend for political activities and opening up government contracts to non-union bidding.
March 2001: President Bush signed his name to four executive orders on organized labor last month, including one that cuts the money unions will have for political campaign spending.
Congress and the Department of Labor are trying to change the rules on overtime pay, eliminating the 40 hour work week, taking eligibility for overtime pay away from millions of workers, and replacing time and a half pay with comp days.
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11.) Disdain for Intellectuals and the Arts: Fascist nations tend to promote and tolerate open hostility to higher education, and academia. It is not uncommon for professors and other academics to be censored or even arrested. Free expression in the arts is openly attacked, and governments often refuse to fund the arts.
Bush's new economic plan cuts funding for arts, education
Artists from all over the world are being refused entry to the US on security grounds.
A group of more than 60 top U.S. scientists, including 20 Nobel laureates and several science advisers to past Republican presidents, on Wednesday accused the Bush administration of manipulating and censoring science for political purposes
Freedom of Repression: New ruling will allow censorship of campus publications
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12.) Obsession with Crime and Punishment: Under fascist regimes, the police are given almost limitless power to enforce laws. The people are often willing to overlook police abuses and even forego civil liberties in the name of patriotism. There is often a national police force with virtually unlimited power in fascist nations
American Gestapo is here: "There is hereby created and established a permanent police force, to be known as the 'United States Secret Service Uniformed Division.'"
America: secret jails, secret courts, secret arrests, and now secret laws
Snitch-or-Go-to-Jail bill will make pretty much anything short of reporting on everyone you see for doing just about anything a jailable offense. With minimum sentences, up to and including life without parole.
The problem with Gonzales is that he has been deeply involved in developing some of the most sweeping claims of near-dictatorial presidential power in our nation's history, allowing him to imprison and even (at least in theory) torture anyone in the world, at any time
Police officers don't have to give a reason at the time they arrest someone, the U.S. Supreme Court said in a ruling that shields officers from false-arrest lawsuits.
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13.) Rampant Cronyism and Corruption: Fascist regimes almost always are governed by groups of friends and associates who appoint each other to government positions and use governmental power and authority to protect their friends from accountability. It is not uncommon in fascist regimes for national resources and even treasures to be appropriated or even outright stolen by government leaders.
Bush Cronyism: Foxes Guarding the henhouse
Making Sense of the Abramoff Scandal
If Bush's pick is confirmed, that will mean the five top appointees at Justice have zero prosecutorial experience among them.
Iran-Contra Felons Get Good Jobs from Bush
Big Iraq Reconstruction Contracts Went To Big Donors
Bush Wars — Crooks Get Contracts : The main companies that were awarded billions of dollars worth of contracts in Iraq have paid more than $300 million in fines since 2000, to resolve allegations of fraud, bid rigging, delivery of faulty military equipment, and environmental damage.
US Coalition Provisional Authority (CPA) lost track of $9 billion
"Contracting in the aftermath of the hurricanes has been marked by waste, corruption and cronyism"
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14. Fraudulent Elections: Sometimes elections in fascist nations are a complete sham. Other times elections are manipulated by smear campaigns against or even assassination of opposition candidates, use of legislation to control voting numbers or political district boundaries, and manipulation of the media. Fascist nations also typically use their judiciaries to manipulate or control elections.
Rolling Stone does some investigative and rather exhaustive digging into public documents and says we’re almost guaranteed the 2004 election results were massively rigged
Powerful Government Accounting Office report confirms key 2004 stolen election findings
Conyers hearing in which Clinton Curtis testifies that he was hired to create hackable voting machines (.wmv)
The Republican Party has quietly paid hundreds of thousands of dollars to provide private defense lawyers for a former Bush campaign official charged with conspiring to keep Democrats from voting in New Hampshire.
The Conyers Report (.pdf)
No explanation for the machines in Mahoning County that recorded Kerry votes for Bush, the improper purging in Cuyahoga County, the lock down in Warren County, the 99% voter turnout in Miami County, the machine tampering in Hocking County
Less access than Kazakhstan. Fewer fail-safes than Venezuela. Not as simple Republic of Georgia. The 2004 Elections according to international observers.
This picture is what stopped the ballot recounts in Florida shortly after it seemed that legitimate President Gore had a lead. The "citizens" started what was later called "the preppy riot". Screaming, yelling, pounding on the walls, these "outraged citizens" intimidated the polling officials to halt the court mandated recount. A closer look reveals who they really were. They were bussed and flown in at Republican lawmakers expense. Some even flew in on Tom Delay's private plane.
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If Mussolini defines fascism as "the merger of corporate and government power" what does that make the K Street project?
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"Now and Then"- Part 1 A 3 part series by W David Jenkins III on the similarities between America now and Germany post Reichstag fire
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"Now and Then"- Part II: The Propaganda Machine
Now and Then- Part III
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It may sound crazy to some, but the style of governing into which America has slid is most accurately described as fascism.
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You can't reclaim the media until you reclaim the political process. George Bush has destroyed this country, and has turned our 'Fourth Estate' into nothing more than a puppet for his puppet regime (that's really controlled by Big Dick Cheney).
Thomas Jefferson once said: "The tree of liberty must be refreshed from time to time with the blood of patriots and tyrants." That time is way past due!
Until the most corrupt administration and U.S. Congress in history are either impeached or tried for high treason, the media will remain a shell of its former self, without any integrity and without any credibility.
Who pays for the home insurance when you are owner financing it? The seller or the buyer? Also in the state of Texas what insurance companies provide mobile home insurance?
Who's name is on the title, at the registrar of deeds? Until the title is passed to the buyer, the house is just a RENTAL, and needs to be insured that way. If this is a land contract, the SELLER should keep the policy to 1. make sure it gets paid and 2. make sure they have coverage in place, should the contract revert to rental. The buyer should THEN carry a renters insurance policy.
If the deed is being transferred immediately, then the BUYER gets the policy. Then the seller just has to hope that the policy gets paid.
Most of the time, owner financing is more hassle than it's worth. If the person isn't credit worthy enough to secure a mortgage on their own, they're most likely going to default on YOUR mortgage, also. Then, depending on the condition of the property, you're left with something basically unsellable.
For mobile home insurance, find an agent that represents Foremost INsurance – www.foremost.com. If the home is more than 20 years old, it's uninsurable. After 20 years, they depreciate to nothing.