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Saturday, June 16, 2012

What Insurance Types Should You Consider For a Business ...

If you have any kind of business, you are aware of the fact that business insurance is an important tool to protect you from property damage, liability claims and crime. Depending on the type of business there are several business insurance types to consider. Some states and countries might have some own requirements, but there are some of unnecessary insurances that should be helpful for your business. Contact your local insurance agent, broker or adviser to help you make the right decision much easier and read about some quotes on websites such as www.quoteitnow.com.

Worker?s compensation and Property and Liability Insurance are the two business insurance types you should consider. The purpose of the insurance is to cover the risk you are not able to afford by paying a premium, which you are able to afford. Property and Liability Insurance cover business property loses such as desks, equipment, tables etc, but also the loss of income, damages from natural disasters, such as an earthquake. There are different coverages and you should talk to your insurance agent to recommend you something that will meet your needs.

If you have employees, you have to buy workers? compensation insurance. What does it mean? In case your employee become personally injured or some nasty accident happens to him/her, your workers? compensation coverage can and will be used to cover your employees? costs of medical treatment, lost wages and permanent disability. When you purchase this coverage, the premium usually depends on two factors ? the severity of injuries and on-the-job injury. For example, monthly workers? compensation coverage premium for a school teacher would be cheaper than that for a chemical plant operator.

There are also some other business insurance policies, or the ones that should be considered if you own some business. For example, health and life insurance, shareholder protection or some vehicle coverages for the vehicles company owns.

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Is car insurance higher in Nevada than California?

Why is boys car insurance higher than girls car insurance?

Insurance rates are based on what they call 'actuarial tables', which are basically statistics on accidents people get into and associated with various factors such as age, gender, the type of car,...

Is insurance higher on a red car?

No. The color of the car has absolutely nothing to do with the cost of the insurance.

Where can you buy car insurance in California?

There are several car insurance companies located in California, a few of them are All State, Progressive, esurance, Geico, Metlife, Mercury, 21st, Nationwide, Liberty Mutual, and Travelers. Prices...

Do you need car insurance in California?

Car insurance is required in California. If you do not have insurance and are caught you may be subject to a fine as well as possible time in jail. Insurance can be found for a reasonable price

Is Honda motorbike insurance higher than the average car insurance?

When looking to buy insurance for your Honda motorbike, keep in mind that the price for insurance will vary depending on which insurance company you choose.

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Friday, June 15, 2012

Newfound Galaxy May Be Most Distant Ever Seen

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Did alleged spy spill China espionage secrets to US?

HONG KONG?? A Chinese state-security official arrested this year on allegations of spying for Washington is suspected to have compromised some of China's U.S. agents in a major setback that angered President Hu Jintao, sources said.

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Hu personally intervened this year, ordering an investigation into the case after the Ministry of State Security arrested one of its own officials for passing information to the Americans, two sources with direct knowledge of the matter said.

The official, an aide to a vice minister, was taken into custody sometime between January and March after the ministry became alarmed last year over repeated incidents of Chinese agents being compromised in the United States, they said.

The ministry's own investigations found the aide had been working for the Central Intelligence Agency (CIA) for years, divulging information about China's overseas spy network in the nation's worst espionage scandal for two decades, they added.

Gruesome photos put spotlight on China's one-child policy

The sources' comments represent the first confirmation that overseas Chinese espionage was deemed to have been damaged by the security breach, which has been kept quiet by both Beijing and Washington. Reuters first reported it on June 1.

The aide's identity has still not been revealed but he worked for vice minister Lu Zhongwei, the sources said, speaking anonymously due to the sensitivity of the case.

They declined to elaborate on the information he is said to have passed to the Americans or how it compromised China's agents, but they have said it involved "political, economic and strategic intelligence".

Video: Blind Chinese activist in U.S. (on this page)

Despite the breach, Lu has been spared formal punishment, the sources added, confirming for the first time that the vice minister had been cleared of working for the Americans after the wider investigation ordered by President Hu.

Instead, Beijing found that Lu had failed to properly screen the aide before hiring him. It stopped short of disciplining the vice minister, anxious to put the scandal to rest after several other political and diplomatic embarrassments this year.

"Lu Zhongwei's problem was he used a person without (adequately) investigating first," one source said, adding "The central government does not want to create trouble in a politically sensitive year."

Scandal sends China's netizens into a feeding frenzy

China's ruling Communist Party plans a once-a-decade leadership transition late this year and is keen to wrap it up without further trouble. The normally well choreographed process has already been marred by a murder scandal which claimed the career of Bo Xilai, a contender for the new leadership team.

Scandal after scandal
China's Foreign Ministry has declined to comment on the security breach. The Ministry of State Security is one of the most opaque government agencies in China and does not have a public website or spokesperson. U.S. Secretary of State Hillary Clinton has declined to comment on the case, saying only this month that the two countries continued to cooperate on many issues.

Read more about China on NBC's Behind The Wall

Lu turns 59 this year and is set to retire soon anyway, a second source said, noting the vice minister was not suspected of having worked for the Americans.

"He did not change color," the source added.

Lu, a native of Shanghai, also has ties to a Beijing-based international think-tank which, according to two researchers familiar with the organization, recently curtailed contacts with foreign researchers and also trips to conferences abroad.

Video: Murder and corruption scandal rocks China (on this page)

In 1999, he was president of the think-tank, the China Institutes of Contemporary International Relations, which is backed by the Ministry of State Security.

Lu speaks fluent Japanese and sits on the board of the semi-official China-Japan Friendship Association, the sources said.

The spy scandal ranks as the most serious between China and the United States to be made public since 1985 when Yu Qiangsheng, an intelligence official, defected to the United States. The defection exposed a retired Chinese-American CIA analyst who killed himself in 1986 in a U.S. prison cell, days before he was due to be sentenced to a lengthy jail term.

Lu's aide was arrested at around the same time that China's worst political scandal since the 1989 army crackdown on the Tiananmen pro-democracy protests was unfolding, though the sources said the two cases were unrelated.

City divided by disgraced Communist leader's legacy

The political scandal erupted in February when the police chief of Chongqing in southwest China took shelter for 24 hours in a U.S. consulate. Chongqing's ambitious Communist Party boss, Bo Xilai, was later suspended after it emerged the police chief had been investigating Bo's wife for murder.

Bo's wife has been detained on suspicion she poisoned a British businessman, Neil Heywood, in a dispute over money.

Blind Chinese activist Chen in US: 'Promote justice and fairness in China'

In late April, relations came under even more pressure when blind Chinese dissident Chen Guangcheng escaped from house arrest and sought refuge in the U.S. Embassy in Beijing. He spent six days in the embassy, sparking a diplomatic crisis that was resolved only after he left China last month to take up an academic fellowship in New York.

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David Stern on Jim Rome -- Gold

The NBA being rigged has been a topic for years and the lottery being rigged goes back to the frozen envelope. I have no idea if its rigged, but a lot of people have speculated.

This write up from Wikipedia says bent corners lots of people have said frozen envelope. Who knows.

1985 was the first year of the NBA Draft Lottery. Prior to that year, the team with the worst record in the NBA would get the first pick in the draft (as is done in the National Football League). The Golden State Warriors, which represent the San Francisco Bay Area, finished with the worst record in the NBA during the 1984?85 season and would have had the first draft choice under the previous system. That year, Georgetown center Patrick Ewing was the favorite to be the number one pick in the draft.

During this live televised draft lottery ceremony, the league used a system where sealed envelopes representing the teams with the worst records were mixed in a tumbler, and then drawn by NBA Commissioner David Stern one at a time to determine which of these clubs would get the 1st pick onwards. However, when these envelopes were added to the tumbler, two envelopes were put in forcibly and banged against the edge, bending their corners, while all the rest of the envelopes were set in gently. When drawing for the 1st pick, Stern went for the one with a bent corner, which upon opening the envelope, it was revealed that the New York Knicks logo was inside. The large-market New York Knicks, who finished with the third-worst record in the league that season, eventually used the 1st pick to draft Ewing with (who would become a legend on the team, leading the Knicks to the 1994 NBA Finals. Although the Knicks reached the 1999 NBA Finals, Ewing was injured.). Nevertheless, the "bent envelope" fueled speculation that the league staged the result.

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Central banks reach for their guns over Greek vote

FRANKFURT/LONDON (Reuters) - Central banks from Tokyo to London checked their ammunition on Friday in preparation for any turmoil from Greece's election, with the European Central Bank hinting at an interest rate cut and Britain set to open its coffers.

ECB President Mario Draghi said his bank was ready to step in and fund any viable euro zone bank that gets in trouble, and painted a picture of a deteriorating economy with no inflation danger -- conditions for monetary easing.

"There are serious downside risks here," Draghi told the annual ECB Watchers conference in Frankfurt, two days before a Greek vote that could set Athens on a path out of the euro zone and stoke turmoil in financial markets.

"This risk has to do mostly with the heightened uncertainty."

Japan's top financial diplomat Takehiko Nakao warned that authorities in Tokyo would respond to unwelcome currency moves as appropriate, a clear threat of intervention if investors seeking safety push the yen too high.

The Bank of England followed up on Thursday's joint announcement with the government of a 100 billion pound ($155 billion) offer of loans to banks by saying it will start next week with a charge of just 0.75 percent.

Officials from the G20 nations, whose leaders are meeting in Mexico next week, say numerous central banks are preparing to take steps to stabilize financial markets - if needed - by providing liquidity and prevent any credit squeeze.

European Council President Herman Van Rompuy convened a conference call on Friday afternoon with the leaders of Germany, France, Italy and Britain, officially to discuss preparations for the G20 summit, expected to be dominated by the euro zone debt crisis.

Depending on the depth of any turmoil, an emergency meeting of ministers from the Group of Seven developed nations could be held on Monday or Tuesday during the summit in Los Cabos, Mexico, sources said.

The focal point for all is Sunday's repeat general election in Greece, a knife-edge race that could be won by parties vowing to tear up the harsh economic terms that the European Union and International Monetary Fund imposed as conditions of a bailout for the near-bankrupt state.

Such an outcome could drive Greece into default and possibly out of the euro zone, a prospect that could undermine faith in the currency bloc and add to pressure on the finances of bigger economies such as Italy and Spain.

Madrid's borrowing costs rose above 7 percent on Thursday, a level that is widely considered unsustainable. They fell slightly on Friday and European shares and the euro gained on expectations of global central bank response.

"At best, we are going to have a situation that is extremely serious on Monday," Swedish Finance Minister Anders Borg told journalists. "In all likelihood, whatever the outcome, we are going to have a government which is going to find it hard to live up to the agreements they (the Greeks) have signed up to."

WORSENING OUTLOOK

In a sign of growing strain between Europe's central powers, German Chancellor Angela Merkel hit out at France on Friday in response to President Francois Hollande's proposals for joint euro zone bonds and a joint bank deposit guarantee scheme.

"Europe must discuss the growing differences in economic strength between France and Germany," Merkel told German entrepreneurs, two days before the decisive second round of a French parliamentary election.

Responding to Hollande's call for more euro zone solidarity, she said Germany had wanted to give the European Court of Justice the power to reject national budgets that breach EU rules but others had objected. She meant France.

Draghi said the ECB was ready to provide money to solvent banks if they needed it, a clear plan to avoid the kind of credit crunch that occurred during the Lehman Brother crisis in 2008.

"The ECB has the crucial role of providing liquidity to sound bank counterparties in return for adequate collateral. This is what we have done throughout the crisis, faithful to our mandate of maintaining price stability over the medium term - and this is what we will continue to do," he said.

Draghi also said that no euro zone country faces an inflation risk, which is the bank's main concern. That gelled with comments from ECB policymakers a day earlier that the central bank might be open to cutting interest rates.

Britain did not wait for the Greek vote to announce action. Bank of England Governor Mervyn King said on Thursday the country would launch a scheme to provide cheap long-term funding to banks to encourage them to lend to businesses and consumers.

The central bank would also activate an emergency liquidity supply, King said in his annual Mansion House policy speech to London financiers.

King said the euro zone's problems were causing a crisis of confidence in Britain that was leading to a self-reinforcing weaker picture of growth.

"The black cloud has dampened animal spirits so that businesses and households are battening down the hatches to prepare for the storms ahead," he said.

On Friday, the bank said it will hold a first emergency liquidity operation for banks next week with at least 5 billion pounds on offer. Loans would be at a minimum of the Bank Rate, 0.5 percent, plus an additional 25 basis points.

STAND-OFF IN ATHENS

In Athens, the election was seen as too close to call.

Alexis Tsipras, leader of the main anti-bailout leftist party SYRIZA, said on Thursday the deal with Greece's international lenders, which has helped push the economy into a depression, would not last beyond the weekend.

"The memorandum of bankruptcy will belong to the past on Monday," Tsipras, who has rapidly emerged from fringe politics to challenge the mainstream for power, told his last campaign rally in Athens.

European leaders, however, have warned that Greece will get no help if it reneges. Officials have also hinted that Athens might be granted more time to achieve its fiscal targets if a new government sticks to the core reforms in the program.

French President Francois Hollande warned Greek voters about seeking what Tsipras has promised - a future in the euro while ditching the 130-billion-euro bailout deal sealed earlier this year and its demands for punishing austerity policies.

Hollande said on Greek TV that he wanted the country to stay in the euro, rather than reviving its drachma currency.

"But I have to warn them, because I am a friend of Greece, that if the impression is given that Greece wants to distance itself from its commitments and abandon all prospect of recovery, there will be countries in the euro zone which will prefer to finish with the presence of Greece in the euro zone."

SYRIZA is running neck-and-neck with the mainstream conservatives for Sunday's parliamentary vote, a re-run of an election last month that produced a stalemate in which neither the pro- nor anti-bailout camps was able to form a coalition.

Greek banking stocks soared more than 20 percent on Thursday amid market talk that secret opinion polls were showing that a government favorable to the international bailout agreement was likely to emerge after the June 17 election.

(Written by Jeremy Gaunt. Additional reporting by Fiona Shaikh,; Paul Carrel, Leika Kihara and Rie Ishiguro, and Johan Sennero)

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