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Archive for January 2011

Interesting Insurance Related News

Would you rather save the turtles or have flood insurance?  Well..

A settlement in a federal lawsuit could help protect turtles that nest on Florida beaches but also potentially make it tougher for some landowners to get federal flood insurance — particularly for new development.

The agreement was announced Wednesday by two environmental groups — the National Wildlife Federation and Florida Wildlife Federation — that contend federal emergency managers have rubber-stamped insurance for coastal construction without studying the impacts on the primary nesting grounds of five species of threatened or endangered sea turtles.

Manley Fuller, president of the Florida Wildlife Federation, said the National Flood Insurance Program amounted to a taxpayer-supported subsidy that encourages construction where it shouldn’t be — at the edge of Florida’s hurricane vulnerable beaches. “What we’re trying to do ultimately is reduce exposure of the public to this liability,” he said. “We need to pull back a little further from the beaches.”

The two groups, along with the Sea Turtle Conservancy, say the settlement is one step in a broader effort needed to protect sea turtle species — loggerhead, green, hawksbill, leatherback and Kemp’s Ridleys — that face mounting threats from development, oil spills and other pollution, fishing gear and seawalls and other armoring designed to protect coastal structures from storms and rising sea levels.


“Turtles have had a tough year in Florida,” said Gary Appelson, policy coordinator for the Sea Turtle Conservancy. Hundreds were recovered from waters and beaches tainted by the Gulf of Mexico oil spill and cold snaps last year left hundreds more stunned or dead.

The settlement between the groups and the Federal Emergency Management Agency, approved last week by U.S. District Court Judge Michael Moore in Miami, doesn’t provide turtles any additional protections on its own. It asks FEMA, which oversees the flood insurance program, to ask two other agencies that share responsibility for protecting sea turtles to scrutinize the flood insurance program.

Those agencies, the Fish and Wildlife Service and National Marine Fisheries Service, will then have 11 months to issue a detailed “biological assessment” of any impacts.

FEMA responded to questions with a brief statement from Brad Carroll, a spokesman in Washington, confirming that the agency had agreed to the assessment in exchange for the environmental groups dropping their civil lawsuit.

Jim Murphy, lead counsel for the NWF, admitted it was difficult to predict how the settlement might affect the controversial federal flood insurance program, which is running about $18 billion in the red in large part because of losses associated with Hurricane Katrina.

But the settlement could — at least potentially — have serious implications for Florida, the state with the largest number of flood policies.

The groups stressed that they weren’t aiming to eliminate flood insurance from areas already heavily developed, such as Miami Beach or Fort Lauderdale, but they do want FEMA to stop issuing new policies — particularly in flood-prone areas. They also want to end policy renewals for coastal structures heavily damaged by storms or erosion — a step that would force landowners to rebuild at their own risk.

“It would be our hope that any restrictions on development would be minimal and targets at the highest-risk properties in Florida,” he said.


In 2005, the NWF won a similar suit that affected the Florida Keys. Moore, who also heard that case, blocked new construction in the Florida Keys from receiving federal flood insurance in places where rare creatures such as the Key deer roam. His ruling, upheld on appeal, affected several hundred acres of privately owned land in the Keys.

Environmentalists also called on the state to strengthen policies to protect beaches and turtle nesting, including more purchases of undeveloped coastal land and more limits on lighting.

Environmentalists say limiting coastal development will pay off in the long run by protecting landscape that draws tourists.

“We need to protect our beach,” he said. “What’s good for sea turtles is good for Florida’s economy.”

Read more:

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Written by lordsinsurancelog

January 31, 2011 at 11:03 pm

Posted in Insurance News

January 27 2011

Ah yes. Thursday. What does Thursday represent? For me, it’s new episodes of 30 Rock and The Office but I don’t represent the entire nation. What if I did? I would totally rename Thursday to The Office & 30 Rock day.

“Hey Kevin, want to go eat dinner next week?”
“Sure, what day?”
“30 Rock & The Office Day”
“Oh! Yeah sure let’s go”

This is why I will never become president :(.

Let’s see what else happened on January 27th in the past:

1785 – The University of Georgia is founded, the first public university in the United States.
1870 – The Kappa Alpha Theta fraternity is founded at DePauw University.
1939 – First flight of the Lockheed P-38 Lightning.
1951 – Nuclear testing at the Nevada Test Site begins with a one-kiloton bomb dropped on Frenchman Flat.
1984 – Pop singer Michael Jackson suffers second degree burns to his scalp during the filming of a Pepsi commercial in the Shrine Auditorium.

Source : Wikipedia

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Written by lordsinsurancelog

January 27, 2011 at 5:46 pm

Posted in Daily Quip

Pictures of the Day




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Written by lordsinsurancelog

January 26, 2011 at 11:37 pm

Posted in Daily Quip

Interesting Insurance Related News

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How would you like it if your insurance rates tripled? Not very happy I bet! Good thing this Los Angeles judge put a stop to that:

LOS ANGELES (AP) — A federal judge in Los Angeles has prohibited an Indiana-based insurer from tripling life insurance rates for more than 50,000 mostly elderly policyholders.Judge A. Howard Matz ruled in a class-action suit Wednesday that the increase planned by Conseco Life Insurance Co. would result in a breach of contract.Matz agreed in his ruling with allegations that Conseco used the prospective rate increase to duck a requirement by its primary regulator, the Indiana Department of Insurance, that would have required it to add some $100 million to its reserves.Tony Zehnder, a spokesman for Conseco-parent CNO Financial Group Inc., said the firm will appeal.

(© Copyright 2010 The Associated Press. All Rights Reserved. This material may not be published, broadcast, rewritten or redistributed.)

Source : CBS

Written by lordsinsurancelog

January 26, 2011 at 9:54 pm

Posted in Insurance News

January 26 2011

Bonjour! Hola! Konnichiwa! Gutan Tag! Hello! There are so many ways to say hello but only a few ways to say hump day. Wait, what? Hump day is what some call Wednesday in America which means it’s the middle of the week since it’s the top of metaphoric ‘hill’ in the middle of the week. Ahhh, if only it meant something else – something like what Monica Lewinsky and Bill Clinton might have strong feelings about. Anyway, let’s take a look at what else happened in the past on January 26th!

1837 – Michigan is admitted as the 26th U.S. state.
1920 – Former Ford Motor Company executive Henry Leland launches the Lincoln Motor Company which he later sold to his former employer.
1961 – John F. Kennedy appoints Janet G. Travell to be his physician. This is the first time a woman holds this appointment.
1998 – Lewinsky scandal: On American television, U.S. President Bill Clinton denies having had “sexual relations” with former White House intern Monica Lewinsky.

Source : Wikipedia

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Written by lordsinsurancelog

January 26, 2011 at 5:37 pm

Posted in Daily Quip

January 25 2011

Ahh Tuesday. Tuesday represents so much….Taco Tuesday…well that’s pretty much it. That reminds me, you should go find a local Mexican restaurant and see if they’re offering some sort of Taco Tuesday deal! I know Rubios offers something! Gorge on some delicious tacos and knowledge!

Let’s see what other taco-licious things happened on January 25th in the past:

1755 – Moscow University is established on Tatiana Day.
1890 – Nellie Bly completes her round-the-world journey in 72 days.
1961 – In Washington, D.C. John F. Kennedy delivers the first live presidential television news conference.
1995 – The Norwegian Rocket Incident: Russia almost launches a nuclear attack after it mistakes Black Brant XII, a Norwegian research rocket, for a US Trident missile.

Source : Wikipedia

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Written by lordsinsurancelog

January 25, 2011 at 11:41 am

Posted in Daily Quip

Personal Tips From a 22 Year Old College Student

Today’s tip : Girls should lift weights.


Why should women lift weights?

  • If you are looking to get “toned”, you’ll need to lift weights.
  • If you are looking to lose weight, lifting weights will increase your metabolism, helping you do this much faster and also helping to keep it off. You’ll also look better once you’ve achieved your weight loss goals!
  • Lifting weights will help you achieve your fitness goals, no matter what they are.

But I don’t want to get all big and bulky!

You won’t. Seriously. Women are nearly incapable of this, unless you do roids or eat 5000 calories/day. And even then it’s still pretty hard.
Do not be afraid of getting too muscular. It won’t happen by accident.

Check out these big, bulky women for yourself:

Girl deadlifts 325 lb (in 123 lb weightclass):

235lb deadlift (featuring awesome yelling):

Sarah Bertram clean & jerks 95kg (209.4 lb):

Youngest to strongest girls of some weightlifting club:

146kg/321.2lb x 10 squat:


Are you ready to hit those weights yet? Here’s a great excerpt from pg 13-14 of Brain Over Brawn: Smart Solutions to Regain and Maintain Strength, Health & Youth


Let us start with a few simple observations that illustrate a common bit of widespread and prevalent misinformation, and likewise underscore chronic symptoms women as a population face:

1. The average woman (and almost all the not-average ones) is utterly and completely unable to get “buff” or “bulky” naturally by lifting heavy weights.
2. The same average woman suffers from significantly underdeveloped (though fortunately correctable) upper body strength
3. Women are four times as likely to develop osteoporosis compared to men
4. Osteoporosis can be prevented or reversed through simple loading exercises
(i.e. lifting heavy weights) and proper nutrition

We as a culture are obsessed with ‘skinny’, and many women have bought into it off the fear of becoming ‘big and bulky’. Now, I accept the risk of sounding like a broken record to drive this point home, and despite being a rabid feminist, I’ll also hazard coming off as a biased, chauvinistic pig. Our society’s fascination with the airhead rat-dog-in-purse spoiled brat has the unfortunate side-effect of inadvertently elevating that stereotype as a role-model. (And let us not even start on the issues with modern role models.) At barely eighty-five pounds if you count the Juicy Couture shorts and open-back shirt, this feeble specimen exists on a diet of Coke Zero, cigarettes, and bulimia. The modern and ever-popular image of the emaciated runway model is contra-survival, an evolutionary dead end. In any age other than this one, such a specimen could only exist as a novelty, pet, or through the indulgent support of others. This idolization is not only misrepresentative and insulting to the many women who courageously have and do champion women’s rights in the United States, but on a deeper level is disrespectful of women’s (and our species’) strength throughout the past.

Throughout history, survival has favored those who are clever, tough and fortunate. Natural selection operates impartially and without mercy; weakness and lacking the ability to adapt or overcome is an evolutionary dead-end. Only the strong survive. A harsh climate or hostile environment naturally produces a tougher and hardier creature; consequently, the weaker die off at a higher rate. More than any other group or minority, women have suffered discrimination and hardship under consistent global patriarchies and survived. They have survived every war, plague, famine, and crisis that has befallen us, with the additional struggle of being treated as inferior. These experiences and natural selection have made them deceptively tough. This may be readily demonstrated in our DNA: a female undergoing strength training will make gains comparable to a male without the accompanying obvious increase in size. She may gain physical strength and stamina without sacrificing compactness or agility; if men are a slow, heavy axe, women are a swift sword.

Though the written record myopically focuses on the wealthy and the noble elite (and the male, they being the writers of history), life for the rest of the species has been difficult and unforgiving. The masses struggled valiantly, and in turn were rewarded with survival, women and men both. And no amount of patriarchal dogma, misogyny, or celebrity worship can make this otherwise. The only thing preventing women from assuming an equal (or heavens forefend, even dominant) role is the long-standing social tradition of masculine dominance, and the tactics of intimidation from those who continue to enjoy the benefits of such an arrangement.

But these times they are a’changin’

But how do I do it?

The first thing to read is to read up on lifting weights, the do’s and don’ts, and any frequently asked questions. Men and women follow the same training principles, so everything below applies to you too!
Great, no-BS information about everything related to weightlifting. Female oriented!
Exercise & Muscle Directory
Power Training Exercises

Recommended Beginning Workout Routines

If you just want to get in the gym and start lifting, here are some workout routines we recommend for beginners. Pick one and get to it!

Starting Strength
Stripped 5×5
Beginner workout: Full Body (via Stumptuous)
Beginner workout: Upper/Lower Split (via Stumptuous)

Free Weights vs. Machines

Machines are better than nothing, but are not ideal. Free weights are almost always better than machines, and everyone on this forum will tell you so. You do not need to start on machines to build up to the free weights, and using the machines is in no way “safer” than using the free weights.

The free weights section of the gym is often dominated by men, and you might find this intimidating. This is understandable, but not a good excuse! Get in there and start lifting. It will get easier. Most people are too concerned with whatever they’re doing in the gym to pay attention to you anyway!

For more information, here’s a great article from Stumptuous about the benefits of free weights: Don’t fear the free weights!

Some notes on specific machines:

Assisted Pullup & Dip Machine [pic] – The average woman doesn’t have the strength to do pull ups or dips when she first starts strength training. This machine is pretty awesome, and will offset some of your weight so you can work up to doing these exercises with your full body weight. This machine is good. Use it!

Smith Machine [pic] – This machine is a barbell in between two steel rails, fixed so that it can only move straight up and down. Some people have been deluded into thinking that this machine is “safer” for barbell exercises. It is not, and don’t listen to anyone that tells you this. Especially for things like back squats and deadlifts, the straight up-down motion of the bar is totally unnatural and can actually lead to injury in certain cases! The smith machine has some other uses (shrugs, calf raises, pullups), but we usually advise against using it in most cases.

Should I hire a trainer?

Probably not.

Good trainers do exist. Unfortunately, you probably won’t find a good one. Anyone can call themselves a personal trainer, and many of them have awful ideas and misconceptions about women lifting weights (or really, anyone lifting weights). The last women’s weightlifting thread was full of personal trainer horror stories.

Many of the women around here, including myself, learned their way around a gym armed with only the information found on this very forum! If you have any questions or concerns, post here and we’ll be thrilled to help. You can even post videos here of your weightlifting and we can help correct your form!

If you really do want a personal trainer, check out this great article from stumptuous to help you find a good one: How to choose a personal trainer


Information pulled from the SomethingAwful forums.

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Written by lordsinsurancelog

January 21, 2011 at 11:02 pm

Posted in Opinions