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During a month when family togetherness is emphasized and that chunk of time known as "the Holidays" begins, it makes sense for us in Florida to think about preserving the safety of our children. Many of us give even more thought than usual to how much we love and appreciate our families and our friends, particularly the younger ones among them, for whom we are busily shopping for gifts or preparing special sweet treats. Today's youngsters, who will inherit this world from us, are tomorrow's leaders, who will use their varied gifts to shape it. Keeping them safe and protected ensures a brighter future for all.
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Few connections are as vulnerable to conflicts as the ones between neighbors. Fence lines, Fido's bathroom habits, and Friday night parties hosted by unsupervised teens are just a few common examples of matters that inspire some not-so-neighborly arguments. Most Florida residents can readily point a finger at a neighbor who has proven to be less than considerate. But there is at least one thing every single one of us can do to be a better neighbor: have home insurance liability coverage.
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Halloween is a holiday during which innocence is celebrated. Florida residents delight in dressing our little ones up in funny costumes and escorting them around the block so they can charm the candy out of neighbors' hands. We bob for apples, hang fake cobwebs and paper skeletons around the house, and carve pumpkins-all activities primarily designed to delight the younger set. On the other hand, however, Halloween is also a time when not-so-innocent trickery abounds.
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Non-profit organizations are just as vulnerable to lawsuits as private companies-except they rarely have the financial resources to deal with costly claims that their for-profit counterparts do. Instead, a non-profit's directors and officers may have to dip into their personal pocketbooks to cover legal costs. This puts Florida non-profits, and those who work at them, in a particularly fragile position. Even if a claim against a non-profit turns out to be without merit, the expense of fighting it can be devastating.
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Even with Halloween looming on the horizon, the prospect of so many newly licensed Florida teen drivers getting behind steering wheels is undoubtedly the most frightening thing about fall. The new school year is in full swing, and with the abundance of social and extracurricular activities taking place all over town, not to mention the need to get to and from campus, inexperienced teen drivers have every excuse to get on the road.
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A few years ago, Hurricane Ike tore through the Bolivar Peninsula in Texas, leaving almost nothing but rubble in its wake. Before the hurricane, some 200 homes had proudly stood along the peninsula's coastline, their inhabitants enjoying idyllic lives on the beach. But after Ike had wreaked his havoc, only 10 of those homes remained standing. Some of the surviving homes had lost power, and their decks had blown away; one sustained roof damage. But all were move-in ready soon after the storm had passed.
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Wouldn't it be wonderful if, when you raked your front lawn this autumn, each and every fallen leaf were a hundred dollar bill? If Fall was actually short for "windfall"? If money really did grow on trees? Sadly, these fantasies aren't likely to come true anytime soon. And this fall, with the economy being what it is, chances are you'll be looking for ways to cut back on your expenses and save.
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The law of large numbers is a statistical concept that relates to probability. It is one of the factors insurance companies use to determine their rates.
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