Governor Cuomo Changes Insurance Rules

Governor Cuomo Changes Insurance Rules – Governor Cuomo Asks Local Governments to Move Quickly to Remove Debris before Second Storm Hits Region on Wednesday

Imposes 30-Day Moratorium on Insurance Companies Cancelling Policies

Albany, NY (November 5, 2012)

Governor Andrew M. Cuomo today announced that, at his direction, Financial Services Superintendent Benjamin M. Lawsky has instructed insurers to accept homeowners’ documentation, including photos and video, of losses so residents can discard debris before a second storm hits the region.

Typically, insurance companies require an on-site inspection first before a claim can be processed. In addition, the State has imposed a 30-day moratorium on cancelling or terminating homeowners’ and small business owners’ insurance policies in storm stricken areas for any reason, including non-payment of premiums.

“Health and safety must come first. If debris is creating unsafe conditions, people must be able to clear it away without hurting their right to make an insurance claim,” Governor Cuomo said.

“We are acting to preserve homeowners’ insurance rights when much is beyond their control. They have suffered enough and should not be hurt further by red tape or technicalities.”

Superintendent Lawsky said, “If debris is dangerous, homeowners should carefully document their losses and then dispose of the debris. Taking photos and videos and even keeping samples of damaged materials is a good idea. We will be vigilant in protecting homeowners who have already suffered so much.”

Both the directive dealing with dangerous debris and the moratorium on terminating policies cover the storm damaged areas: New York City and Nassau, Suffolk, Westchester, Rockland and Orange counties. The moratorium will last for 30 days, but may be extended if necessary.

The Insurance Law gives the Superintendent the power to modify or suspend provisions for a limited period in any area of the State where the Governor has declared a state of emergency. For more information on the directive, visit

With respect to the moratorium, Superintendent Lawsky said, “Many people have lost everything, others cannot return to their homes. They should not be penalized if they are unable right now to make a payment on their insurance policy, which they desperately need to help them recover.”

The Governor has already announced that hurricane deductibles in most downstate homeowners’ insurance policies will not apply because Sandy did not have sustained hurricane force winds when it hit New York. Most insurers have agreed not to apply these deductibles, which can amount to tens of thousands of dollars.

The DFS directive covers homeowners’ insurance policies. Flood insurance policies are covered by FEMA regulations. FEMA is also expected to issue guidance on this issue. Homeowners with both homeowner’s and flood insurance should follow FEMA rules to preserve their claims under flood insurance.

For claims under homeowners’ insurance, if dwelling debris must be removed before the adjuster is able to examine it, homeowners should:

  1. Inventory all the damaged items.
  2. Take individual color photos of the damaged property, targeting any high ticket items. If possible, videotape the damage items.
  3. Have the camera set to record the date / time.
  4. If possible, take samples or swatches of carpeting, wallpaper, furniture upholstery, window treatments, and other items where quality will be a claims factor.
  5. The inventory should reflect the corresponding picture for validation.
  6. Keep this information in a secured location to share when the adjuster arrives.

This process applies to all contents that are damaged and will be claimed.

Diva Divine Australia

Diva Divine Australia – Deborah Wainstein is an internationally accredited Beauty Therapy , Nail Enhancement and Hair extension Trainer She completed her Beauty Therapy overseas in 1988 and ran her own successful beauty salon.

Deborah Migrated to Australia over 15 years ago and started her own successful distribution and importing franchise of Calbrook Cosmetics – “Calgel” Nail enhancement system . Deborah designed training manuals and DVD training aids for the system and hired 16 well know beauty distributors to market and sell her product thought Australia and New Zealand.

Deborah conducted training sessions for salons learning the system in all Australian states .

Deborah trained for well know Beauty companies including Northern Sydney Institute of TAFE for 8 years , CTC , and during her contract position teaching at MHM Australasia , Deborah obtained her Certificate IV in Work Place Training and Assessing BSZ40198 – 2000

Deborah Converted her Beauty Therapy Certificate to be recognised with Australian Industry Standards in November 2004 Deborah worked for Ella Bache as trainer teaching Diploma of Beauty Therapy. Deborah worked opened her own successful salon on the Northern Beaches where she imported Nailogic nail systems and conducted treatments as well as training sessions Deborah worked for EHB Hair studio where she completed her Global Keratin and Hair extension qualifications

Deborah conducted training and wrote curriculum support material for The Strand Beauty Academy and Peninsula College of Beauty Therapy.

Deborah completed her upgrade for Certificate IV in Training and Assessing – TAE40110 – 2011.

Deborah designed the non accredited courses to enable Mums, Single mums , and all age students to enter or re- enter the work force at an affordable cost . The courses enable the student to perform treatments on clients. All courses follow relevant legislation, and skin penetration act Courses are held in Sydney, Central Coast, Rutherford , QLD and ACT , but all group bookings to all states are welcome

Is Freedom of Speech at Stake in Omaha Nebraska?

Is Freedom of Speech at Stake in Omaha Nebraska? – Is freedom of speech at stake in Omaha Nebraska? Freedom of speech is the political right to communicate ones opinions and ideas.  CTI Channel 22, Public Access Television has had a long history of programs hosted by those who practice the right of freedom of speech. These individual programs are at stake and their voices are trying to be silenced due to their views and opinions surrounding certain issues.

Some see these program hosts as outspoken activists who have negative views regarding political leaders and organizations, as well as other powers that be that are here in the city of Omaha.

The Diva Politica

There are current program hosts on CTI 22 who have for many years openly criticized the Omaha City Council members, Omaha Chief of Police, the Mayor of Omaha, Nebraska State Senator’s etc., regarding controversial issues such as; Police Misconduct and brutality, Voter suppression bills (LB239), Police Oversight, The Gang Assessment Report, Immigration, political reasons that a state senator was arrested and not charged properly, illegal guns flowing into the community and the police and fire unions contracts and the attempted but failed recall of Mayor Suttle.

I could go on and on with the list of controversial issues discussed on CTI 22 but that would be redundant.  I believe that the content on CTI 22 has many times affected the outcome of local elections, but that is what Public Access Television and Freedom of Speech is meant to do. For such a system to work, an informed electorate is necessary.

In order to be appropriately knowledgeable, there must be no constraints on the free flow of information and ideas.

Some in the community believe the possible demise of Public Access Television will have a positive effect on certain individuals running for office who have not been represented favorably on CTI 22.

When this is all said and done, there will still be programming on Channel 22.  Approximately 1 year ago, each city council member appointed 1 person to serve on an advisory board who will be responsible for the new format and the new programming which will be PEG (Public, Education, Governmental Access) programming. This will begin March 1, 2013.

None of the selected advisory board members were hosts from CTI 22. There were hosts from Channels 17, 18 and 109 who were selected to serve on this board.  I would also like to note that there has been no Latino representation on this advisory board even though CTI 22 has 7 or 8 weekly programs that are hosted by persons from the Latino/Latina community.

Because of the lack of transparency on the part of the City and the advisory board and the non-existent community input, it leaves us with the perception that this is politically motivated and this is all about shutting down our voices.

At the top of this article, I asked the question “Is freedom of speech at stake in Omaha Nebraska”? I answer that with a resounding YES. Not only here in Omaha, but across the United States. Evidence will show how public access is being taken away in numerous cities across this country.

Everyone shall have the right to hold opinions without interference and everyone shall have the right to freedom of expression; this right shall include freedom to seek, receive and impart information and ideas of all kinds, regardless of frontiers, either orally, in writing or in print, in the form of art, or through any other media of his choice (Article 19 of the International Covenant on Civil and Political rights).

Political Science Jobs for PhD or Doctoral Degree

Political science is a field that usually involves the study of the government. Specifically, political science digs into details of government policies, systems, behavior and the processes. Political science can be regarded as an important part of the society in view of the increasing political risk of the world.

A career in political science is challenging and it is usually categorized into several different sub fields such as research, politician, public relations and academic. There are plenty of job opportunities for those with a PhD or doctoral degree. The candidate with a PhD in political science is often rewarded with the highest paying position.

For those who intend to get into the academic aspect of political science, a PhD is highly recommended especially if you plan to teach at a university or conduct research on a specific topic related to the political landscape of a country. The following paragraphs list out some best paying political science jobs for doctoral or PhD holders.

Political Science Professor

In general, a political science PhD holder will often teach as a professor at an institution of higher learning such as a university or college. The minimum requirement to teach a 2 year academic institution is a master degree whereas a doctoral degree is the minimum requirement to teach at a four year institution.

The jobs responsibility of a political science professor is to conduct classes, do research on specific topics and overseas the academic aspect of his or her students in the field of political science. A political science professor will spend most of his or her time teaching undergraduate and graduate students within various political science sub fields.

Other than teaching, a political science professor is required to serve as the academic advisor for students for matters related to courses, research, grades and other various questions. Moreover, a senior or associate political science professor will serve on academic committee for the university or college that he or she is working at.

The average annual salary for a political science professor is $60,000, with the highest paid position making more than $100,000 per year.

Political Analyst

A political analyst is one of the most sought after positions in the field of political science. The reason is that the job is considered the country’s best paid positions, averaging $77,000 in annual salary. Despite the high paying salary as a political analyst, the jobs responsibility is the most challenging and difficult.

A political analyst is required to gather and understand information related to government policies. After collecting the information pertaining to a specific policy, a political analyst will have to interpret the data and present the findings to the public. The issues that the public is most concerned with are those related to health care, education, employment, environmental protection, crime prevention and other general social issues. As a result, a political analyst will usually work on government policies affecting these issues the most.

Institutions such as government bodies, political parties, labor organization and environmental groups are the common employers of political analysts. Even though it’s common to see political analysts working for these organizations, the federal government is usually the biggest employer of political analysts.

In terms of academic requirement, a master degree is the basic requirement in order to be hired as political analysts. A PhD or doctoral degree is highly recommended and is necessary for political analyst who conducts independent research. The average salary for those working for the federal government is $114,000 whereas the average annual salary is $77,000 for those who work for other organizations.

Political Scientists

Political scientists are the top paying political science jobs, averaging around $100,000 per year. The highest paying position in the field can earn up to $150,000 per year. The main responsibility of a political scientist is to conduct research on government policies, public opinions, government structures and functions. The work nature of a political scientist is very similar to the work nature of a political analyst except that the political scientist is mainly focusing on independent research instead of collecting and gathering information as what most political analysts do.

Besides doing research, political scientists also conduct interview with government officials and perform public surveys or opinion polls. When the political scientists are doing such public surveys, they will usually cooperate with other professionals such as economists to discuss the outcome of the surveys. If the results show that there are pressing issues that are affecting the society due to a skew government policy, these political scientists will discuss the findings with their counterparts in order to come up with a solution to address the issue.

Most political scientists will publish papers and write journals regarding their work. They will present their findings to the public like what a political analyst does. The job of being a political scientist usually requires a PhD or doctoral degree in order to conduct research. But the position of an assistant political scientist requires only a Bachelor or Master degree in order to do the work.

Entry Level Political Science Jobs

Entry Level Political Science Jobs – As we enter the spring, many college and graduate students will soon be seeking entry level political science jobs. Despite the less than stellar state of the economy, the future looks bright for the political science major. This is because there are both government and private sector jobs available in various related subfields. Whether a graduate wants to become a government officer, a teacher, political analyst, scientist, or campaign manager, the jobs are waiting.

The Central Intelligence Agency (CIA) seems to always be hiring these days, due to the increasing amount of political unrest in the world. Many students seek entry level political science jobs with this agency because they want to study government policy and its affect on the U.S. A CIA officer may be stationed in the U.S. or on foreign soil and the starting salary of this important position is $50,000.

Along these lines is a position as a foreign service officer within the U.S. or abroad. When these individuals are not domestically based, they often work in U.S. embassies as representatives or delegates to our country. In this role, they work with the local government and make recommendations based on analysis of world issues and government policies. For this, they command a starting salary of $48,000 annually. These types of careers in political science expose an individual to politics on a global level.

Working as a political campaign manager is one of the most difficult and time-consuming domestic entry level political science jobs. It is also one of the hardest jobs to get when first entering this career field because it requires knowledge, organization skills, and strategic thinking abilities that many students have not fully developed straight out of school. If an individual does manage to land this job, a salary of $50,000 to $70,000 is common.

Students pursuing graduate studies often do so with the intention of obtaining entry level political science jobs as professors. Those graduating with a master’s degree can find political science job opportunities teaching at community and junior colleges. Ph.D. students can teach at four-year colleges or universities upon receipt of their degree. Professors instruct students, serve as advisors, conduct research, and participate in academic committees, receiving an average salary of $60,000 per year.

Other entry level political science jobs for graduate students include political analyst and political scientist. The analyst is one of the most popular positions, partly due to its average annual salary of $77,000 in the private sector and $114,000 in the federal government. Analysts collect and interpret data regarding government policies, presenting findings to the public. Political scientists earn $100,000 to $150,000 annually for conducting independent research on relevant topics.

This is just a small sampling of the entry level political science jobs that new graduates can expect to see available in the coming months. Those interested in working for the government should explore careers as a CIA or foreign service officer. Others may find working as a political campaign manager a rewarding profession. Graduate students can find work as professors, political analysts, and political scientists.

Political Science Jobs – Entry Level, Internship, Full and Part Time Positions

Political Science Jobs – Entry Level, Internship, Full and Part Time Positions – Political science jobs focus on studying the governments policies, system, function and the behavior as a whole. There are a variety of sub fields within political science. Because of this reason, political science is a popular choice for college undergraduates and graduates as it leads to a variety of careers in the public and private sectors.

Do Not Believe In Every Political Science Jobs Rumors

Political science jobs rumors can be either helpful or hurtful to a career-related decision. Like any other rumor, it should be verified for accuracy and then considered as just a part of the bigger picture.

Information Contained In The Political Science Jobs Wiki

Anyone pursuing graduate study in order to work at a university in the U.S. or Canada should check out the political science jobs wiki for jobs opening and career opportunity.

The Lowdown On Political Science Professor Jobs

Discover what it takes to be a successful political science professor and find out about political science professor jobs prospect, salary, career outlook, skills and education requirement.

When It Comes To Political Science Jobs, NYC Rules

For anyone seeking academic political science jobs, NYC is one place to look. It was also in the top five paying states for the occupation, offering an annual mean wage of $97,810.

Where to Find High Paying Political Science Teaching Jobs

Those who have political science teaching jobs no longer educate students solely on domestic political systems, international relations, and the law. They incorporate subject matter that is relevant to the modern political environment.

Jobs for Degree Graduates in Political Science

Find out the different types of jobs available for political science degree holders. Discover the salary, career prospect and employment opportunities for political science major.

Popular Careers for Master in Political Science

As a liberal arts degree, political science offers a wide array of career options. The most popular masters in political science jobs include lobbyists and post-secondary educators.

The Diverse Political Science PhD Jobs

Becoming a Ph.D. holder in the political science field offers the added benefit of a variety of employment opportunities. Anyone who believes career options are limited should think again because various jobs are available for these individuals.

More articles for political science: Political Science Degree

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