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Applications invited for national talent hunt
TNN 9 August 2009, 04:29am IST
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LUCKNOW: The state round of the National Talent Hunt exam organised by the Bureau of Psychology, government of UP, will be held on November 8,
2009 in 88 examination centres across the state. The last date for filing application is September 25, 2009. Students enrolled in Class VIII in government recognised schools would be eligible for the test.
According to Divyakant Shukla, director, Bureau of Psychology, Allahabad, UP, the applicants will have to apply along with a draft of Rs 50 payable to registrar, department examinations, UP, Allahabad. For the Scheduled Castes and Scheduled Tribe candidates the amount will be Rs 30. He said that the first round of test will select 555 students from UP. These candidates will then appear in the test to be held at the national level. Reservation rules will also apply in selection process.
NOTE: THE LASt date for feeling appliication is september 25, 2009.
Dinesh Kumar Mishra, regional office of Bureau of Psychology in Lucknow, told TOI that the test will have two papers -- first general awareness and second as per the choice of the candidate. The optional subjects are Physics, Chemistry, Zoology, Mathematics and Social Science. The examination will be of three hours -- 8.00am to 11.00am for ordinary candidates and for four hours -- 8.00am to 12 noon for physically challenged.
Application forms can be obtained free of cost from ten regional offices of the Bureau of Psychology in all over the state, district inspector of school office in respective districts, basic shiksha adhikari office in various districts and government inter colleges. The application can also be downloaded from State Council of Education Research and Training website www.scertup.org. Duly filled application forms can be submitted at government inter colleges in the districts till September 25, 2009.
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The state round of the National Talent Hunt exam organised by the Bureau of Psychology, government of UP, will be held on November 8, 2009 in 88 examination centres.
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Virtual School Hopes to Offer Welcoming Community for Gays
August 07, 2009 04:03 PM ET | Zach Miners | Permanent Link | Print
As part of an effort to provide a safe learning environment for students who identify themselves as gay, lesbian, bisexual, transgender, or questioning their sexual orientation, a new school for them plans to launch in January 2010. It will be entirely online.
Billed as the first virtual school of its kind, the GLBTQ Online High School's website asks prospective students to "Imagine a school where you can be you. Where your friends share similar experiences and similar questions." It is the brainchild of David Glick, a 25-year education veteran who has helped develop K through 12 online learning programs throughout the country and beyond.
NOTE: According A reset study by gay, lesbian, and straight education work.
Glick says the ninth- through 12th-grade school will offer a high-quality, college-preparatory education and will serve as a safe haven for LGBT students who have been harassed or bullied at their current schools, as well as provide a destination for students who opt to pursue their schooling online.
Feeling unsafe at school is a problem for many LGBT students. According to a recent study by the Gay, Lesbian, and Straight Education Network, almost 9 out of 10 such students have experienced harassment in their schools, and nearly a third of all LGBT students have missed school because of feeling unsafe.
"We're looking to focus on the positives and connect those students so they can learn from each other," says Glick.
So far, a couple of dozen students from across the country have applied to the private, tuition-based school, but Glick and Dean of Operations Doug Bright are hoping for 50 before they open for business.
Bright says that there is no specific criteria on the types of students they're looking for and that what interests them most is the whole picture. "We're not necessarily going to say 'no' just because you might have a 2.0 GPA," he says.
Some criticize the Maplewood, Minn.-based school—as well as brick-and-mortar LGBT schools such as those featured here—for skirting the underlying problems and promoting segregation rather than understanding and acceptance.
David Johnson, who teaches social psychology at the University of Minnesota, told the Maplewood area Fox News affiliate that it would be better to put LGBT students in a regular high school setting. An online school would only further alienate them, he says.
Glick and Bright acknowledge such arguments but maintain that schools like theirs serve a vital purpose.
"Honestly, I hope we're not in this business forever," says Bright. "But the fact remains that many schools—especially in rural areas—don't offer good support services for the gay community. And as an online school, we can reach those students, wherever they are."
Glick says that many students and educators have expressed excitement with the idea, find it provocative and positive, and think it will allow students to focus on academics.
The school's curriculum will consist of mainstream courses, including advanced placement classes, with opportunities to customize for each student's needs. A course is also being planned so students can learn more about the LGBT community and the political and cultural issues it faces.
Glick says that as the school grows he would like to organize "cluster events" in cities so students can enjoy face-to-face learning activities. He and Bright are also hoping to start a summer camp next year for students both from the school and from outside it.
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Home > Education > On Education > Virtual School Hopes to Offer Welcoming Community for Gays
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On Education by U.S. News Staff
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Virtual School Hopes to Offer Welcoming Community for Gays
August 07, 2009 04:03 PM ET | Zach Miners | Permanent Link | Print
As part of an effort to provide a safe learning environment for students who identify themselves as gay, lesbian, bisexual, transgender, or questioning their sexual orientation, a new school for them plans to launch in January 2010. It will be entirely online.
Billed as the first virtual school of its kind, the GLBTQ Online High School's website asks prospective students to "Imagine a school where you can be you. Where your friends share similar experiences and similar questions." It is the brainchild of David Glick, a 25-year education veteran who has helped develop K through 12 online learning programs throughout the country and beyond.
NOTE: According A reset study by gay, lesbian, and straight education work.
Glick says the ninth- through 12th-grade school will offer a high-quality, college-preparatory education and will serve as a safe haven for LGBT students who have been harassed or bullied at their current schools, as well as provide a destination for students who opt to pursue their schooling online.
Feeling unsafe at school is a problem for many LGBT students. According to a recent study by the Gay, Lesbian, and Straight Education Network, almost 9 out of 10 such students have experienced harassment in their schools, and nearly a third of all LGBT students have missed school because of feeling unsafe.
"We're looking to focus on the positives and connect those students so they can learn from each other," says Glick.
So far, a couple of dozen students from across the country have applied to the private, tuition-based school, but Glick and Dean of Operations Doug Bright are hoping for 50 before they open for business.
Bright says that there is no specific criteria on the types of students they're looking for and that what interests them most is the whole picture. "We're not necessarily going to say 'no' just because you might have a 2.0 GPA," he says.
Some criticize the Maplewood, Minn.-based school—as well as brick-and-mortar LGBT schools such as those featured here—for skirting the underlying problems and promoting segregation rather than understanding and acceptance.
David Johnson, who teaches social psychology at the University of Minnesota, told the Maplewood area Fox News affiliate that it would be better to put LGBT students in a regular high school setting. An online school would only further alienate them, he says.
Glick and Bright acknowledge such arguments but maintain that schools like theirs serve a vital purpose.
"Honestly, I hope we're not in this business forever," says Bright. "But the fact remains that many schools—especially in rural areas—don't offer good support services for the gay community. And as an online school, we can reach those students, wherever they are."
Glick says that many students and educators have expressed excitement with the idea, find it provocative and positive, and think it will allow students to focus on academics.
The school's curriculum will consist of mainstream courses, including advanced placement classes, with opportunities to customize for each student's needs. A course is also being planned so students can learn more about the LGBT community and the political and cultural issues it faces.
Glick says that as the school grows he would like to organize "cluster events" in cities so students can enjoy face-to-face learning activities. He and Bright are also hoping to start a summer camp next year for students both from the school and from outside it.
Searching for a college? Get our complete rankings of America's Best Colleges.
Tags: online education | high school | education | gay rights
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About On Education
Report cards may come out only twice a year, but education news happens every day. Here is where U.S. News writers grade the latest developments, from school districts banning the game of tag to congressional debates that affect college affordability. Check regularly for the most recent updates.
advertisement
Click here to find out more!
OTHER ARTICLES FROM THE ON EDUCATION BLOG
* Recent Posts
* Archive
1. Court Says Yes to English-Only Tests
2. Is Teach for America Costing Experienced Teachers Their Jobs?
3. The Race Is on for School Reform
4. Controversy Over Antigay Comments at NYU
5. Surprising News About the Achievement Gap
* August 2009 (2)
* July 2009 (12)
* June 2009 (13)
* May 2009 (8)
* April 2009 (13)
* March 2009 (10)
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7 Tips for Finding Right Volunteer Work 27008444
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Would Universal Health Care Promote Business Growth? 27010442
*
Surprising News About the Achievement Gap 26658070
*
Gay High Schools Offer a Haven From Bullies 20507917
*
Is Teach for America Costing Experienced Teachers Their Jobs? 26886088
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Advice from professors
Education Tips
10 Tips for Whipping the Math Requirement
The College Student's Bill of Rights
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The New College Rankings Are Coming Soon
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TWO --- WEEK BREAK GETS A DAY LONGER
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Two-week break gets a day longer
The traditional fortnight's summer holiday is growing longer by a day as staff seek to save money on their breaks, and then ease themselves back into work.
By Martin Beckford, Social Affairs Correspondent
Published: 8:00AM BST 08 Aug 2009
Increasing numbers of employees are taking two weeks and a day off before returning to the workplace on a Tuesday rather than Monday, experts say.
This allows them to enjoy a more gradual return to the daily routine and also the prospect of a shorter working week before the next weekend.
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And as more Britons use travel websites and budget airlines to book tailor-made breaks rather than going on package holidays, it allows them to come home on days when flights are cheaper and airports quieter.
Professor Cary Cooper, the Professor of Organisational Psychology and Health at Lancaster University Management School, said: "I think the reason more people are doing it is because they are working harder and longer than every before, and need two weeks to unwind. Then they come back to work a date late rather than go straight back and feel overwhelmed.
NOTE: the professorof organisational psychology and health at lancaster university management.
"I would recommend they do that, as a way of gradually getting back up to speed. I can see lots of psychological advantages."
He added: "Employers probably benefit as well because you can guarantee the workers will be looking through their emails on that last day off."
In years gone by, most families who took summer holidays abroad arranged both flights and accommodation through high street travel agents in one or two-week blocks.
But low-cost airlines and the internet have allowed holidaymakers to be more flexible in the length of their breaks, forcing hotels to accept more bookings for odd nights rather than full weeks or weekends.
Travellers can now save hundreds of pounds by searching for flights away from the busier weekends, with research by Travelsupermarket.com suggesting that a trip to Sydney returning on a Monday could cost £605 compared with £783 on a Sunday.
Airports and roads are also quieter on weekdays, while holidaymakers returning to work on a Tuesday can spend an extra day relaxing with their family rather than rushing headlong into the routine of work.
Stansted airport said Sunday night is still the busiest time of the week for arrivals but "the gap is closing" as more people return home on Mondays.
EasyJet said: "We are seeing increasing numbers of people travelling midweek-to-midweek."
Hilton Hotels said Sunday bookings for its UK rooms had increased more this summer than any other day of the week.
Duncan Barraclough, a travel expert at Travelsupermarket.com, said: "The key to getting the best deal on your flight is to be flexible. If you are able to spread your annual leave over two or possibly even three weeks and fly mid-week you are highly likely to save money.
"Plus, by avoiding travelling at the weekend, you will often find roads and the airport are much quieter, reducing the stress of getting away.
"On top of this, hotels have recently become much more flexible in their booking terms."
According to the TUC, as many as 3 million full-time workers will also have extra time off to play with this summer, after the Government increased the minimum entitlement from 24 days to 28 including bank holidays in April.
Paul Sellers, a policy adviser at the union organisation, said: "As holiday entitlements go up, people will want to tack on days.
"Coming back in part of the way through a week is obviously easing you back into work rather than going full speed from a standing start."
Ben Willmott, Senior Public Policy Adviser at the Chartered Institute of Personnel and Development, added: "Lots of people are doing this especially if they've had a long flight. Having that extra day to recover can be quite useful.
"It's much better to be realistic and take an extra day's leave, and from the employer's point of view it makes it more likely staff will be fully rested whenever they do return."
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Two-week break gets a day longer
The traditional fortnight's summer holiday is growing longer by a day as staff seek to save money on their breaks, and then ease themselves back into work.
By Martin Beckford, Social Affairs Correspondent
Published: 8:00AM BST 08 Aug 2009
Increasing numbers of employees are taking two weeks and a day off before returning to the workplace on a Tuesday rather than Monday, experts say.
This allows them to enjoy a more gradual return to the daily routine and also the prospect of a shorter working week before the next weekend.
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And as more Britons use travel websites and budget airlines to book tailor-made breaks rather than going on package holidays, it allows them to come home on days when flights are cheaper and airports quieter.
Professor Cary Cooper, the Professor of Organisational Psychology and Health at Lancaster University Management School, said: "I think the reason more people are doing it is because they are working harder and longer than every before, and need two weeks to unwind. Then they come back to work a date late rather than go straight back and feel overwhelmed.
NOTE: the professorof organisational psychology and health at lancaster university management.
"I would recommend they do that, as a way of gradually getting back up to speed. I can see lots of psychological advantages."
He added: "Employers probably benefit as well because you can guarantee the workers will be looking through their emails on that last day off."
In years gone by, most families who took summer holidays abroad arranged both flights and accommodation through high street travel agents in one or two-week blocks.
But low-cost airlines and the internet have allowed holidaymakers to be more flexible in the length of their breaks, forcing hotels to accept more bookings for odd nights rather than full weeks or weekends.
Travellers can now save hundreds of pounds by searching for flights away from the busier weekends, with research by Travelsupermarket.com suggesting that a trip to Sydney returning on a Monday could cost £605 compared with £783 on a Sunday.
Airports and roads are also quieter on weekdays, while holidaymakers returning to work on a Tuesday can spend an extra day relaxing with their family rather than rushing headlong into the routine of work.
Stansted airport said Sunday night is still the busiest time of the week for arrivals but "the gap is closing" as more people return home on Mondays.
EasyJet said: "We are seeing increasing numbers of people travelling midweek-to-midweek."
Hilton Hotels said Sunday bookings for its UK rooms had increased more this summer than any other day of the week.
Duncan Barraclough, a travel expert at Travelsupermarket.com, said: "The key to getting the best deal on your flight is to be flexible. If you are able to spread your annual leave over two or possibly even three weeks and fly mid-week you are highly likely to save money.
"Plus, by avoiding travelling at the weekend, you will often find roads and the airport are much quieter, reducing the stress of getting away.
"On top of this, hotels have recently become much more flexible in their booking terms."
According to the TUC, as many as 3 million full-time workers will also have extra time off to play with this summer, after the Government increased the minimum entitlement from 24 days to 28 including bank holidays in April.
Paul Sellers, a policy adviser at the union organisation, said: "As holiday entitlements go up, people will want to tack on days.
"Coming back in part of the way through a week is obviously easing you back into work rather than going full speed from a standing start."
Ben Willmott, Senior Public Policy Adviser at the Chartered Institute of Personnel and Development, added: "Lots of people are doing this especially if they've had a long flight. Having that extra day to recover can be quite useful.
"It's much better to be realistic and take an extra day's leave, and from the employer's point of view it makes it more likely staff will be fully rested whenever they do return."
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Friday, August 21, 2009
PSYCHOLOGY COLLEGE RENAMED PALO ALTO UNIVERSITY; EXPANSION PLANNED
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Psychology college renamed Palo Alto University; expansion planned
By Will Oremus
Daily News Staff Writer
Posted: 08/07/2009 11:21:02 PM PDT
Updated: 08/07/2009 11:21:04 PM PDT
As of Aug. 1, Palo Alto has a university to call its own.
The Pacific Graduate School of Psychology has renamed itself Palo Alto University and is preparing to welcome students and faculty to a new campus in the Palo Alto foothills this fall.
The name change reflects both the move from a temporary home in Redwood City and the school's expansion to include bachelor's degree programs, Board of Trustees Chair Gary Shapiro explained in a letter to students.
Set on eight acres at 1791 Arastradero Road, the campus consists of three buildings formerly occupied by the American Institutes for Research. The school bought the property for $3.6 million and just completed a $2 million renovation, university President Allen Calvin said Wednesday.
The move is a homecoming for the school, which was based on East Meadow Drive in Palo Alto for 19 years before moving to a Stanford University-owned facility in Redwood City last year.
With an enrollment of fewer than 1,000 students, many of whom are also registered at other colleges, Palo Alto University intends to keep a quiet profile in the city, Calvin said. But he added that the university hopes to become a part of the city's fabric.
"We know Stanford is located in Palo Alto, but we want to make this a university that the people of Palo Alto have a voice in," he said. "We want to get a lot of people on our advisory council — and we have a lot already — who are prominent people
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in Silicon Valley. Whoever the mayor of Palo Alto is, we would like to have them on the advisory council. They will never get surprises from us."
Founded in 1975 to fill a regional void in clinical psychology doctoral programs, the university has grown to offer eight degree-granting programs, all related to psychology. Many are partnerships with other universities, such as a joint J.D./Ph.D. in Psychology and Law with Golden Gate University and a Psy.D. in Clinical Psychology with Stanford. It added a B.S. in Psychology and Social Action in 2006 in conjunction with De Anza College, and this year it will enroll its first students in a B.S. in Business Psychology, offered in cooperation with Foothill College.
NOTE: Many are partnership w/ other university and pay a psy.d.
Calvin said he hopes to see the university grow in the next few years to an enrollment of 1,000 undergraduates and 500 graduate students. But he said neighbors needn't worry about heavy traffic or fraternity parties, since the students will be transfers from two-year colleges and most of the classes will be held at the Foothill and De Anza campuses.
"We don't offer any freshmen or sophomore classes," Calvin said. "We don't have a football team."
The fall quarter starts the first week of September. A ribbon-cutting for the new facility is scheduled for Oct. 10.
E-mail Will Oremus at woremus@dailynewsgroup.com.
On the Web
More information about Palo Alto University is available online at:
http://www.pgsp.edu/
Beginning in December, the Web address will change to:
http://www.paloaltou.edu/
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Psychology college renamed Palo Alto University; expansion planned
By Will Oremus
Daily News Staff Writer
Posted: 08/07/2009 11:21:02 PM PDT
Updated: 08/07/2009 11:21:04 PM PDT
As of Aug. 1, Palo Alto has a university to call its own.
The Pacific Graduate School of Psychology has renamed itself Palo Alto University and is preparing to welcome students and faculty to a new campus in the Palo Alto foothills this fall.
The name change reflects both the move from a temporary home in Redwood City and the school's expansion to include bachelor's degree programs, Board of Trustees Chair Gary Shapiro explained in a letter to students.
Set on eight acres at 1791 Arastradero Road, the campus consists of three buildings formerly occupied by the American Institutes for Research. The school bought the property for $3.6 million and just completed a $2 million renovation, university President Allen Calvin said Wednesday.
The move is a homecoming for the school, which was based on East Meadow Drive in Palo Alto for 19 years before moving to a Stanford University-owned facility in Redwood City last year.
With an enrollment of fewer than 1,000 students, many of whom are also registered at other colleges, Palo Alto University intends to keep a quiet profile in the city, Calvin said. But he added that the university hopes to become a part of the city's fabric.
"We know Stanford is located in Palo Alto, but we want to make this a university that the people of Palo Alto have a voice in," he said. "We want to get a lot of people on our advisory council — and we have a lot already — who are prominent people
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in Silicon Valley. Whoever the mayor of Palo Alto is, we would like to have them on the advisory council. They will never get surprises from us."
Founded in 1975 to fill a regional void in clinical psychology doctoral programs, the university has grown to offer eight degree-granting programs, all related to psychology. Many are partnerships with other universities, such as a joint J.D./Ph.D. in Psychology and Law with Golden Gate University and a Psy.D. in Clinical Psychology with Stanford. It added a B.S. in Psychology and Social Action in 2006 in conjunction with De Anza College, and this year it will enroll its first students in a B.S. in Business Psychology, offered in cooperation with Foothill College.
NOTE: Many are partnership w/ other university and pay a psy.d.
Calvin said he hopes to see the university grow in the next few years to an enrollment of 1,000 undergraduates and 500 graduate students. But he said neighbors needn't worry about heavy traffic or fraternity parties, since the students will be transfers from two-year colleges and most of the classes will be held at the Foothill and De Anza campuses.
"We don't offer any freshmen or sophomore classes," Calvin said. "We don't have a football team."
The fall quarter starts the first week of September. A ribbon-cutting for the new facility is scheduled for Oct. 10.
E-mail Will Oremus at woremus@dailynewsgroup.com.
On the Web
More information about Palo Alto University is available online at:
http://www.pgsp.edu/
Beginning in December, the Web address will change to:
http://www.paloaltou.edu/
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Thursday, February 19, 2009
FAMILY LEAVES INSURANCE
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Published: February 12, 2009
To the Editor:
Skip to next paragraph
Related
Editorial: No Welfare, No Work (February 9, 2009)
Re "No Welfare, No Work" (editorial, Feb. 9):
Thank you for pointing out that welfare is what part-time workers are forced to rely on for unemployment insurance.
For many people, welfare also serves as family leave. In 1996, when the bipartisan Commission on Leave, of which I was a member, asked survey respondents how they supported themselves when using the Family and Medical Leave Act, 9 percent said "by going on public assistance"; the figure was 21 percent for low-income workers.
NOTE:FOR The many people, w/c the family and medical leaves Act,9 percent.
In addition to using stimulus funds to expand unemployment insurance, Congress should use the money to help states set up family leave insurance funds.
NOTE:THE insurance was the figure was 21 percent for the low-income workers.
Ellen Bravo
Milwaukee, Feb. 9, 2009
The writer coordinates the Multi-State Working Families Consortium, a network of state coalitions working for policies that value families at work.
Next Article in Opinion (20 of 31) »
Past Coverage
* Bush to End Rule Allowing Jobless Money for New Parents (December 4, 2002)
* National News Briefs; Group Sues to Block Paid Parental Leave (June 27, 2000)
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Published: February 12, 2009
To the Editor:
Skip to next paragraph
Related
Editorial: No Welfare, No Work (February 9, 2009)
Re "No Welfare, No Work" (editorial, Feb. 9):
Thank you for pointing out that welfare is what part-time workers are forced to rely on for unemployment insurance.
For many people, welfare also serves as family leave. In 1996, when the bipartisan Commission on Leave, of which I was a member, asked survey respondents how they supported themselves when using the Family and Medical Leave Act, 9 percent said "by going on public assistance"; the figure was 21 percent for low-income workers.
NOTE:FOR The many people, w/c the family and medical leaves Act,9 percent.
In addition to using stimulus funds to expand unemployment insurance, Congress should use the money to help states set up family leave insurance funds.
NOTE:THE insurance was the figure was 21 percent for the low-income workers.
Ellen Bravo
Milwaukee, Feb. 9, 2009
The writer coordinates the Multi-State Working Families Consortium, a network of state coalitions working for policies that value families at work.
Next Article in Opinion (20 of 31) »
Past Coverage
* Bush to End Rule Allowing Jobless Money for New Parents (December 4, 2002)
* National News Briefs; Group Sues to Block Paid Parental Leave (June 27, 2000)
* Dispute Over Plan To Use Jobless Aid For Parental Leave (November 8, 1999)
* Economic Scene; Time isn't money if you are a parent badly in need of both. (May 27, 1999)
Related Searches
* Unemployment Insurance Get E-Mail Alerts
* Family Leaves Get E-Mail Alerts
* Health Insurance and Managed Care Get E-Mail Alerts
Next Article in Opinion (20 of 31) »
The New York Times Business
nytimes.com/business
Liz Claiborne's stimulus plan
Also in Business:
* To spend or to save? Trick question.
* Resilient family businesses
* Nutritional insights on saving money
Inside NYTimes.com
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Art for a Palestinian's Life and Death
Art for a Palestinian's Life and Death
Long Island »
Catching Cold, and Loving It
Catching Cold, and Loving It
Escapes »
Short Stays, Lasting Love
Short Stays, Lasting Love
Opinion »
Movies »
Lesser-Known Mobsters, as Brutal as the Old Ones
Lesser-Known Mobsters, as Brutal as the Old Ones
Opinion »
Op-Art: The Sweet Smell of Semantics
Op-Art: The Sweet Smell of Semantics
Movies »
In Praise of Oscar Long Shots
Art & Design »
So Typecast You Could Scream
Opinion »
World »
Gaza Border Opens for 25,000 Carnations
Opinion »
Letters: Obama, Israel and the Arab Street
Travel »
36 Hours in Antigua
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Keep your insurance cover afloat
February 14, 2009
Page 1 of 2 Single page view
Too often in Australia personal tragedy is made even harder by the simple admission: "I have no insurance." Victoria's bushfires are no exception. Whether we're talking about insurance to cover the loss of our homes, belongings, cars or more valuable assets such as ourselves, our family and our ability to earn an income, Australia has an ongoing under-insurance problem.
Research by the Insurance Council of Australia in 2007 found almost one in four households - 23 per cent - didn't have home or contents insurance. An investigation by the Australian Securities and Investments Commission following the Canberra bushfires found anywhere between 27 and 81 per cent of consumers who did have insurance were under-insured by 10 per cent or more against current rebuilding costs.
NOTE;an university by the austrailian security and ivestment are commision in a following canberra brushfire are found.
A report last year by The Australian Institute of Superannuation Trustees and Industry Funds Forum found more than 50 per cent of industry super fund members were under-insured for death cover by $100,000 or more while 74 per cent were under-insured by $100,000 or more for total and permanent disability insurance and 45 per cent were under-insured by $1000 or more a month for income protection insurance.
An earlier report by the Investment and Financial Services Association found less than one-third of Australians insured their ability to earn an income and families with dependent children were particularly prone to being under-insured. It estimated that in 2005 parents with dependent children were under-insured by about $1370 billion
NOTE: The last report by the austrailian institute of superannuation trustees and indutry funds forum found more than 50 per cent.
Reasons for not buying insurance are obvious: cost, a perceived lack of benefit for the money invested, and more pressing demands on the budget. Not to mention the old "wing it and worry about the worst if it comes" approach. Or "it won't happen to me".
But the scale of the latest tragedy has delivered a harsh lesson that the worst can and does happen. And when it does, it's often unexpected. It's a wake-up call for all of us to review our cover.
To a large extent, it is under-insurance rather than non-insurance that is the more insidious problem. The decision not to insure is a conscious one where you knowingly take on extra risks.
You may be counting on emergency relief efforts to meet the gap if disaster strikes but that won't cover events such as burglary or having an accident that leaves you disabled. And you can't know in advance how adequate any relief efforts will be.
But under-insurance tends to be unconscious. You might give careful thought to how much cover you need when you originally take our your policy but few give the matter any ongoing thought. We pay the premium each year as it arrives, trusting the cover will be there when we need it.
This doesn't take account of changing circumstances. Renovations, new purchases and gifts should ideally be added to our home and contents insurance as soon as possible. But many of us overlook them entirely or only consider lifting the sum insured when it comes up for renewal.
Similarly, changes in your job, income and family situation can all affect the amount of personal insurance you need. But only a minority of consumers apply for their cover to be lifted as these events occur.
As the Canberra bushfires showed, standard home insurance policies also failed to keep pace with the growth in building costs. Many consumers who thought they had enough cover found their insurance would not meet the full cost of rebuilding as costs had grown faster than inflation, and then the high level of demand after the fire pushed building costs up even further.
Most insurance policies include some form of indexation but you can't assume the increases will be enough. At the very least, we should review the level of cover each year when we renew the policy. In most instances, lifting the level of cover is relatively simple and inexpensive. Most insurers now have calculators on their websites to help estimate your insurance needs. Continued…
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Keep your insurance cover afloat
February 14, 2009
Page 1 of 2 Single page view
Too often in Australia personal tragedy is made even harder by the simple admission: "I have no insurance." Victoria's bushfires are no exception. Whether we're talking about insurance to cover the loss of our homes, belongings, cars or more valuable assets such as ourselves, our family and our ability to earn an income, Australia has an ongoing under-insurance problem.
Research by the Insurance Council of Australia in 2007 found almost one in four households - 23 per cent - didn't have home or contents insurance. An investigation by the Australian Securities and Investments Commission following the Canberra bushfires found anywhere between 27 and 81 per cent of consumers who did have insurance were under-insured by 10 per cent or more against current rebuilding costs.
NOTE;an university by the austrailian security and ivestment are commision in a following canberra brushfire are found.
A report last year by The Australian Institute of Superannuation Trustees and Industry Funds Forum found more than 50 per cent of industry super fund members were under-insured for death cover by $100,000 or more while 74 per cent were under-insured by $100,000 or more for total and permanent disability insurance and 45 per cent were under-insured by $1000 or more a month for income protection insurance.
An earlier report by the Investment and Financial Services Association found less than one-third of Australians insured their ability to earn an income and families with dependent children were particularly prone to being under-insured. It estimated that in 2005 parents with dependent children were under-insured by about $1370 billion
NOTE: The last report by the austrailian institute of superannuation trustees and indutry funds forum found more than 50 per cent.
Reasons for not buying insurance are obvious: cost, a perceived lack of benefit for the money invested, and more pressing demands on the budget. Not to mention the old "wing it and worry about the worst if it comes" approach. Or "it won't happen to me".
But the scale of the latest tragedy has delivered a harsh lesson that the worst can and does happen. And when it does, it's often unexpected. It's a wake-up call for all of us to review our cover.
To a large extent, it is under-insurance rather than non-insurance that is the more insidious problem. The decision not to insure is a conscious one where you knowingly take on extra risks.
You may be counting on emergency relief efforts to meet the gap if disaster strikes but that won't cover events such as burglary or having an accident that leaves you disabled. And you can't know in advance how adequate any relief efforts will be.
But under-insurance tends to be unconscious. You might give careful thought to how much cover you need when you originally take our your policy but few give the matter any ongoing thought. We pay the premium each year as it arrives, trusting the cover will be there when we need it.
This doesn't take account of changing circumstances. Renovations, new purchases and gifts should ideally be added to our home and contents insurance as soon as possible. But many of us overlook them entirely or only consider lifting the sum insured when it comes up for renewal.
Similarly, changes in your job, income and family situation can all affect the amount of personal insurance you need. But only a minority of consumers apply for their cover to be lifted as these events occur.
As the Canberra bushfires showed, standard home insurance policies also failed to keep pace with the growth in building costs. Many consumers who thought they had enough cover found their insurance would not meet the full cost of rebuilding as costs had grown faster than inflation, and then the high level of demand after the fire pushed building costs up even further.
Most insurance policies include some form of indexation but you can't assume the increases will be enough. At the very least, we should review the level of cover each year when we renew the policy. In most instances, lifting the level of cover is relatively simple and inexpensive. Most insurers now have calculators on their websites to help estimate your insurance needs. Continued…
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o 2
o Next
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* Got news tips for us? Send photos, videos & tip-offs to 0424 SMS SMH (+61 424 767 764), or email us.
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Executive Style
* Travel
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Bentley
Bentley flies in
Recession? It's only a state of mind behind the wheel of this luxury leviathan.
Management: Is luxury dead?
luxury As the credit crunch bites the fashion world, many wonder if we have had our fill of excess.
Fashion : The height of men's fashion
men's fashion Nicolas Sarkozy wears them. So too Tom Cruise. Here's this season's hottest new trend: man heels.
Gadgets: Sony unveils a stunner
Sony laptop Here's proof that Apple doesn't have exclusive rights to stunning laptop design.
Featured advertisers
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Motoring
Hollywood
Hollywood backs US cars
* Drive.com.au
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* Buy New & Used cars
Jobs
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Want a career in fashion?
* Mycareer.com.au
* $100K+ executive jobs
* Job search
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Real Estate
Hunter Valley
Search: Hunter to 500k
* Domain.com.au
* Buy real estate
* Rent real estate
* Set up a free home alert
Dating Sydney
find love
Valentines Day love
* www.rsvp.com.au
* Sydney Singles online
* Dating success stories
* Singles blogs
Holiday
Hunter Valley weekends
Hunter Valley weekends
* stayz.com.au
* Batemans Bay rentals
* Byron Bay Accommodation
* Port Douglas weekends
Readers' most viewed
Most viewed articles on Brisbane Times
Top 5 Business articles
1. Insurers count the cost of fire
2. Men behaving badly: testosterone had its role in the lost billions
3. Esky on ice as Nylex loses cool
4. Salvaged from history
5. We can avoid recession: CommBank chief
Most viewed articles on WA Today
Top 5 Business articles
1. Cash boosts to come: Senate passes $42b stimulus
2. Rio shares sag as investors question deal
3. Putting migration to the test
4. Kings may come and go, but shareholders are forever
5. Bank alleges $12m missing in fake car loans
Most viewed articles on The Age
Top 5 Business articles
1. Babcock's loot
2. Shareholders, Government could sink Rio plan
3. Rio's controversial deal may falter on shaky Chinese walls
4. Fragile Nylex finally brought down
5. BHP eyes Rio Tinto's stake in Escondida
Most viewed articles on The Sydney Morning Herald
Top 5 Business articles
1. Babcock's loot
2. Trader arrested over $87m fraud
3. Putting migration to the test
4. Rio shares sag as investors question deal
5. PM averts 'economic war' with US
Videos
1. Bondi surfer attacked by shark
2. Thirsty Koala gets a drink
3. Koala rescuer in the spotlight
4. A-listers join bushfire appeal
5. Face of an arson suspect
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Space: Insurance's New Frontier
Vidya Ram , 02.13.09, 12:02 AM EST
Satellite collision highlights risks in a sector that currently has little financial risk protection.
pic
Imagine an object the size of a pea with the potential to destroy a satellite, and you'll get a sense of the potential new risks posed by Wednesday's collision of an Iridium satellite with an inactive Russian military satellite.
The scale of the damage is still being assessed, but so far the U.S. Joint Space Operations Center has identified 600 pieces of debris greater than the size of a tennis ball that were thrown off in the crash (pieces smaller than that are untrackable). Traveling at around 5.0 miles a second, an object much smaller could do a lot of damage, particularly when colliding with one coming from the opposite direction at a similar speed.
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NOTE: The traveling at the around 5.0 miles a second , an object much smaller could do a lot of damage , in a particular when the colliding article is control.
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"The issue of debris has been hugely underestimated for a long time," said Sima Adhya, senior technical officer at risk analysis firm Sciemus. "It's a massive problem that the space industry needs to get a grip on."
"There was an incident where a speck of paint chipped the windscreen of a spacecraft," David Wade, space underwriter at Atrium Space Insurance in London, told Forbes.
Most commercial insured satellites operate in geosynchronous orbit, around 22,400 miles above the Earth, where there is hardly any debris, and onboard control ensures that collision risks are small. For these satellites, the main risks covered tend to be mechanical troubles, or a failure at launch, according to Ernst Steilen, head of space underwriting at Munich Re.
Wednesday's collision occurred much closer to Earth, at a level where the majority of satellites, belonging to research institutes or governments, aren't covered by insurance.
Underwriters have so far been unwilling to predict the impact that Wednesday's collision will have on the space insurance industry, which generates around $800.0 million a year. "It is too soon to tell if the recent collision is likely to affect insurance terms, as we do not yet understand the nature of the debris caused by the collision or the ultimate orbit of that debris," said Jeff Cassidy, chief operating officer of specialist insurer Global Aerospace "We will continue to base every policy on its individual risk characteristics and any risk of damage from debris of any origin is just one of the risks faced by in-orbit satellites."
NOTE: The nature of the debris caused by the collision or the ultimate orbit.
Munich Re's Steilen agrees that the collision, if it remains a one off and doesn't result in massive losses, is unlikely to have any immediate impact on the industry. "We have had a reminder of what can happened and will be tracking it closely in the future."
The satellite, belonging to Iridium Satellite LLC, collided with the Russian satellite about 500 miles above Siberia, around midday Eastern Standard Time on Wednesday. With increasing demand for satellite coverage for industry from shipping and mining, to Web sites such as Google Maps, lower space orbits are gradually becoming more crowded.
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This is why space weapons should be banned. There are hundreds of satellites in orbit and destroying them could create enough debris to severely limit humanity's ability to leave the planet for decad [Read More]
Posted by nygenxer | 02/13/09 06:37 AM EST
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A Traffic Jam On The Moon? 20003909
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Space: Insurance's New Frontier
Vidya Ram , 02.13.09, 12:02 AM EST
Satellite collision highlights risks in a sector that currently has little financial risk protection.
pic
Imagine an object the size of a pea with the potential to destroy a satellite, and you'll get a sense of the potential new risks posed by Wednesday's collision of an Iridium satellite with an inactive Russian military satellite.
The scale of the damage is still being assessed, but so far the U.S. Joint Space Operations Center has identified 600 pieces of debris greater than the size of a tennis ball that were thrown off in the crash (pieces smaller than that are untrackable). Traveling at around 5.0 miles a second, an object much smaller could do a lot of damage, particularly when colliding with one coming from the opposite direction at a similar speed.
Article Controls
NOTE: The traveling at the around 5.0 miles a second , an object much smaller could do a lot of damage , in a particular when the colliding article is control.
imageemail
imageprint
imagereprint
imagenewsletter
comments (1)
imageshare
imagedel.icio.us
imageDigg It!
imageyahoo
imageFacebook
imagerss
Yahoo! Buzz
"The issue of debris has been hugely underestimated for a long time," said Sima Adhya, senior technical officer at risk analysis firm Sciemus. "It's a massive problem that the space industry needs to get a grip on."
"There was an incident where a speck of paint chipped the windscreen of a spacecraft," David Wade, space underwriter at Atrium Space Insurance in London, told Forbes.
Most commercial insured satellites operate in geosynchronous orbit, around 22,400 miles above the Earth, where there is hardly any debris, and onboard control ensures that collision risks are small. For these satellites, the main risks covered tend to be mechanical troubles, or a failure at launch, according to Ernst Steilen, head of space underwriting at Munich Re.
Wednesday's collision occurred much closer to Earth, at a level where the majority of satellites, belonging to research institutes or governments, aren't covered by insurance.
Underwriters have so far been unwilling to predict the impact that Wednesday's collision will have on the space insurance industry, which generates around $800.0 million a year. "It is too soon to tell if the recent collision is likely to affect insurance terms, as we do not yet understand the nature of the debris caused by the collision or the ultimate orbit of that debris," said Jeff Cassidy, chief operating officer of specialist insurer Global Aerospace "We will continue to base every policy on its individual risk characteristics and any risk of damage from debris of any origin is just one of the risks faced by in-orbit satellites."
NOTE: The nature of the debris caused by the collision or the ultimate orbit.
Munich Re's Steilen agrees that the collision, if it remains a one off and doesn't result in massive losses, is unlikely to have any immediate impact on the industry. "We have had a reminder of what can happened and will be tracking it closely in the future."
The satellite, belonging to Iridium Satellite LLC, collided with the Russian satellite about 500 miles above Siberia, around midday Eastern Standard Time on Wednesday. With increasing demand for satellite coverage for industry from shipping and mining, to Web sites such as Google Maps, lower space orbits are gradually becoming more crowded.
India's Space Odyssey
A Traffic Jam On The Moon?
NASA: The Next 50 Yearsimage
Rate This Story
Your Rating Overall Rating
Reader Comments
This is why space weapons should be banned. There are hundreds of satellites in orbit and destroying them could create enough debris to severely limit humanity's ability to leave the planet for decad [Read More]
Posted by nygenxer | 02/13/09 06:37 AM EST
Comment On This Story
Steve Forbes
Intelligent Investing | Data | Knowledge | Insight | Wisdom
Today On Forbes.com
Details On The Deal
Brian Wingfield and Joshua Zumbrun
Obama's stimulus is a mixed bag for business.
* Fannie And Freddie Redux
* The Real Lesson Of The New Deal
* What Caused The Crisis?
Crude Cassandra
A G7 Heart-To-Heart
India's Innovation Gap
Melted Mid-Cap Value Stocks
Subscriptions
* Subscribe To Newsletters
* Subscriber Customer Service
ADVERTISEMENT
How to Change the Way Kids Learn
Balancing Disruptive Innovation
Buying Resources, Process And Values
Tech Tips For Cutting your Gas Bill
The Best States For Busines
ADVERTISEMENT
Get Stories By Email
Select Topics:
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Faces In The News
*
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Already a member? Log In
Not a member yet?Join Now!
Receive Special Offers?
FAQ |Terms & Conditions | Privacy Policy
People Who Read This Also Read...
*
A Traffic Jam On The Moon? 20003909
*
Iridium says in dark before orbital crash 21962383
*
Scientists aware satellite paths would be close 21950085
*
Crash of US, Russian satellites a threat in space 21958039
*
Collision 500 Miles Above The Earth 21934773
Recommendations by Loomia
ADVERTISEMENT
* Content Management Software
* Email Marketing Software
* Project Management Software
* Accounting Software
* eCommerce Software
* Help Desk Software
>> Browse All Directories
* Popular Stories
* Top Rated Stories
* Popular Videos
1. Hollywood's Money Makers
2. Wells Fargo Adds Loss
3. Skype for Musicians
4. Bear Beater Likes Junk
5. Screen Couples: Kate And Leo
6. Will Smith's Star Currency
7. NASCAR Road Rage
8. Top Earners: Oprah And 50 Cent
9. Most Powerful Billionaires
10. PepsiCo, Abercrombie Report
1. Easier Than Ebay
2. Growth Vs.Value Re-Examined
3. #42 Hugh Jackman
4. #60 Edward Norton
5. Requiem For An English Gentleman
6. New Funds, Same Superstar Manager
7. Oil's Happy Hedges
8. MetaData: SAP Caught In Blame Game
9. Country Day In Harlem
10. The $10 Microscope
1. DryShips Deal Founders
2. The World's Billionaires
3. America's Most Miserable Cities
4. Forbes' Star Currency
5. Space: Insurance's New Frontier
6. Who Belongs To The ''Investor Class''?
7. The World's Most Powerful Billionaires
8. Sirius Dilemma
9. Processors Sink, Atom Soars, Apple Baffles
10. February 2009 Layoffs
Click Here
CEO Book Club
Book Review Amy Finnerty On The History Of Sundays
image
Book Review Don't Listen To Cramer--Read Him Instead
David Serchuk
He actually does know something about stock picks and Wall Street.
SitemapHelpContact UsInvestment NewslettersForbes ConferencesForbes Magazines
Ad Information Forbes.com Mobile RSS Reprints/Permissions Subscriber Services
Privacy Statement Terms, Conditions and Notices About Our Ads
2009 Forbes.com LLC™ All Rights Reserved
Dow Jones industrial average, Nasdaq composite and S&P 500 indexes are real time and are powered by Xignite. All other indexes and commodities are delayed at least 15 minutes. All pricing is automatically refreshed every five seconds for the first two minutes the page is open, refreshed every 10 seconds for the third minute the page is open, and refreshed every 15 seconds thereafter.
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Here are more stories related to your search for insurance
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