Penn State and the Folly of Turning a Blind Eye to Immoral Acts

From the President of Penn State to its illustrious head football coach, Joe Paterno, to the administrators of Second Mile, a charitable organization for at-risk children, organizational leaders are falling from grace because of a former coworker and defensive coordinator for the Penn State football team, Jerry Sandusky. Sandusky has been arrested on 40 counts of child sexual assault.

One charge stems from an incident where Mike McQuery, then a graduate assistant coach, reported that he witnessed child sex abuse. He reported the abuse to his boss, Paterno, and later in a meeting with Penn State athletic director, Tim Curley, and senior vice president, Gary Schultz.

No one reported the incident to police, according to the Grand Jury report, although some are disputing that point claiming that McQuery did report to campus police.

McQuery was placed on administrative leave by the University’s Board of Trustees, and both Curley and Schultz have surrendered on charges and have stepped down from their posts.

The executive director of Second Mile, Jack Raykovitz, recently resigned from his position amid questions about whether he ignored sex abuse allegations against Sandusky and allowed him to continue working with young boys. According to a statement by Raykovitz, Penn State officials notified Second Mile in 2002 about the incident as reported by Coach McQueary. He also knew that Sandusky was banned from a local school.

Others who were privy to Sandusky’s misconduct included members of the campus police, the State College police, the Pennsylvania Department of Public Welfare, and the former Centre County District Attorney Ray Gricar. Many face accusations of perjury and failure to report child sex abuse. “Penn State Scandal: Timeline of Sex Abuse Scandal that Has Rocked Happy Valley,” www.nydailynews.com (Nov. 13, 2011); “Judge Who Set No Bail for Penn State Sex Abuse Suspect Volunteered for Him,” www.abcnews.go.com (Nov. 14, 2011).

Commentary and Checklist

As the Jerry Sandusky child sexual abuse tragedy unfolds publicly, we are reminded of the importance that ethical leadership plays in our communities…and workplaces.

According to the Penn State University Staff Employee Handbook, an ethics and compliance hotline exists for employees to report anonymously wrongdoing and acts of misconduct, and it is also accessible through the Internet. The problem in this case was not the lack of avenues for reporting wrongdoing, but what organizational leaders did with the reports once they were received.

The 23-page Grand Jury indictment outlining Sandusky’s abuse reveals failure upon failure by safe adults to report, investigate and follow-up on reports of Sandusky’s abuse which, if the charges are proven, only allowed the criminal behavior to continue. University officials, employees, campus and local police, parents and coaches all had an opportunity to report the abuse or ask why reports were not investigated and acted upon. At every turn, a safe adult failed to follow their “moral compass.”

Asking “why” or “why not” to report wrongdoing to authorities when wrongdoing occurs is a process that all leaders must learn to accept as their ethical duty. The answer to tough questions acts as a magnet in the moral compass to help leaders make ethical decisions and take the appropriate course of action.

At some point, someone or everyone in the chain of communication made a conscious decision not to protect children and to protect something or someone else instead. That choice was unethical.

Here are some other points that will lead you to a “right” decision:

  • Respect of authority is a good attribute of any employee. Blindly following authority is not.
  • There are moral and immoral orders. You have a moral duty not to follow an immoral order.
  • Encourage your subordinates to ask “why?” The best leaders seek debate and interaction while the weakest demand blind loyalty.
  • “I was following orders” is neither a legal nor moral defense.
  • “If you say so” is never a proper response to an unethical order.
  • Never ignore your moral compass. Take the ethical path.

This article was published in Merchants Employers Protection

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House Insurance potential problems

There are some coverage restrictions in your house insurance policy that can have a major impact on you if a loss should occur. I am going to discuss just four of those areas today. Flood Insurance through the National Flood Insurance Program, jewelry and collections, home changes, and higher liability needs.Whether you obtain your insurance quotes online or you talk to your independent agent, you need to be aware of some information when making insurance decisions.

National Flood Insurance Program

1. Flood is not covered by your house insurance policy. You need to get this insurance coverage through the National Flood Insurance Program. We work with the National Flood Insurance Program to get you the rates and place a policy for you with them. The National Flood Insurance Program is a special program put together by Congress to collect rates and pay for claims. The National Flood Insurance Program pays for flood claims which the standard Insurance Companies are not interested in providing coverage for. The link below will take you to Flood Expert @ The National Flood Insurance Program. Here you can find the answer to most questions that you may have.

Your Jewelry doesn't have to be extremely valuable for insurance

2. A house insurance policy also has a restriction on jewelry. Most people don’t realize this. You should schedule any jewelry on your house insurance policy in order to gain the full value of the jewelry if something happens to it. It is usually a low price in comparison to what the jewelry cost. Do you have any collections or nice artwork? These also are going to have some restrictions if a loss occurs. It is much better to schedule valuable collections of any type or valuable artwork.

3. Have you made any improvements or additions to your house or property over the past year. If you have, you need to let your agent know what has changed. Your house insurance needs to be updated. If you don’t make your agent or insurance company aware of the change, you could have a big problem collecting the proper insurance if a loss happens. Many times I find out about the improvement or addition AFTER the loss. Then it is too late to get proper coverage on your house insurance policy.

4. Do you have umbrella liability insurance? This is a special policy that increases your liability limits. Why would you want this? Even when you have 1 million dollar liability limits on your house insurance and your auto insurance, it is still advisable for you to have an umbrella liability insurance. One Million Dollars does not get you far. Umbrella Liability Insurance is a cheap way to give you higher limits for both your car insurance and your house insurance policies.

You have just read about 4 areas that you should think about when making decisions about your insurance. Our job is to help you get the best home insurance rates for what is important to you.

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Do you text while driving?

Please Don’t Text and Drive! If you haven’t seen this video yet, you should take a look. Go watch it!!  watch?v=DebhWD6ljZs I have been known to read and answer texts while driving. If any teen can do it, why can’t I. Well, no more! The chance I was taking is not worth it. Texts can wait until I arrive at my destination. You need to keep your eyes on the road. We can easily text while driving when traffic is going smoothly and we know the road we are on, BUT and it’s a big BUT, the problem occurs when traffic changes. Traffic can change at any time. This is when the problems occur. Our eyes need to be on the road so we can detect subtle changes in driving conditions and adjust. They should not be on the cell phone. It’s the same with talking on the cell phone while driving. Most of us have done this without a problem. The same principle is in place. As long as the traffic is moving along nicely, talking on our cell is easy but potential disasters can occur quickly.  This type of things happens every day on the Pennsylvania Turnpike where I drive.

Agree to stop the Madness NOW! Make a pact with yourself to stop texting while driving. Tell your family and friends that you will no longer text and drive just like you won’t drink and drive. Have them watch the video also.

You may add years to your life and to someone else’s life. Texting and Driving. It’s not worth it!!!!!

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Hurricanes and Earthquakes and Floods, Oh My!

 

Hopefully you have Homeowners Insurance

Washington DC’s  public schools were closed today while officials assessed damage.  The National Cathedral, which reported “substantial damage,” remained shut. The central tower of the cathedral represents the highest point in the city because the building is situated on a hill. The tower sustained damage to its pinnacles and flying buttresses. You can see them illustrated in a series of pictures on the cathedral’s website.

Earthquake Insurance Anyone?

Earthquake Insurance Anyone?

Do you need earthquake insurance? In one word, YES. Click on the link to the article below to find out in detail why you need earthquake insurance!  http://money.cnn.com/2010/03/04/pf/saving/homeowners_insurance/index.htm

Hurricane Irene is bearing down on the North Carolina as I write this and is then headed for New England. The weather people are telling us that is is a large storm and will most likely affect the entire coast and far inland. This is the first Hurricane of the season that started in June. There will be a lot of flood damage.

Hopefully you have flood insurance. If not, call us.

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Do You Need Flood Insurance?

 

Flood Insurance anyone?

* SCATTERED TO NUMEROUS THUNDERSTORMS WILL DEVELOP ACROSS THE AREA THIS AFTERNOON AND REMAIN INTO THE OVERNIGHT PERIOD. THEY ARE EXPECTED TO PRODUCE ONE HALF TO ONE INCH OF RAIN WITH LOCALIZED AMOUNTS OF TWO TO FOUR INCHES POSSIBLE. SOIL CONDITIONS IN OUR REGION ARE NEARLY SATURATED DUE TO RECENT HEAVY RAINFALL. ANY ADDITIONAL HEAVY RAIN MAY LEAD TO LOCALIZED FLASH FLOODING.

This has become a fairly standard warning when you look at weather forecasts recently. It is the current warning on Intellicast.com. Flooding can happen just about anywhere and at any time. We see more and more claims that are being denied because they are flood claims. In order to have coverage, you need to buy a Flood Insurance policy. This is a separate policy from your homeowners.

Less than a fifth of U.S. homeowners have a flood insurance policy that protects their property and personal belongings, even though more than four out of every five natural disasters nationwide involve flooding.  Coverage for flood damage resulting from surface water, including storm surge caused by hurricanes, is excluded under standard homeowners and renters insurance policies; however flood coverage is available both from the National Flood Insurance Program (NFIP) and from a few private insurance companies.

People usually underestimate the risk of flooding for their own home. It is also important to note that there is a 30-day waiting period for flood insurance to go into effect, so don’t delay.

This home will be in major need of flood insurance

While the risk of flood damage is real, a 2011 poll found that in the Northeast US only 5% of all homeowners had a flood insurance policy. The percentage of homeowners with flood insurance was highest in the South, at 19 percent. Thirteen percent of Midwestern homeowners had a flood insurance policy in 2011, along with 12 percent of homeowners in the West.

A low risk from flooding does not mean your not going to have flood damage to your property. Even those who do not live in an area at high risk for flooding should talk to us about getting flood insurance. You can check out your property to see what type of flood zone you are in by going to www.floodsmart.gov . There is a lot of good information on this site also.  Call us when you are done reading.

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Your Teen Driver

I remember like it was only  yesterday. My daughter (who is now almost 27) was sitting in her car and was backing out of the driveway, leaving home for the first time on her own. I was in between panic and pride. She had passed her driver’s license.  I didn’t want this at all. I had heard all the stories about parents being so glad when their kids could drive. I wasn’t glad at all. I was more like terrified. All these visions of terrible accidents kept going through my head and I had to shake them out. They were only thoughts. She was responsible but she was also not experienced and didn’t really understand what she was getting into. I had to remind myself that either did I when I was her age. On the other hand, with the rise of drugs, alcohol, and cell phones, it is an even more dangerous situation today. There is more traffic and it seems to me that drivers are even more aggressive. The Good news is that cars are safer today then even when my daughter was learning to drive.

I would have felt better had I known about the Teen Driving Agreement. For your benefit, below is the Gindin Teen Driving Agreement. Feel free to use it/change it at your leisure.

This teen driver just got car insurance

Teen Driving Agreement/Contract

(This should go up on the refrigerator)
Car
• Which car(s) is the teen allowed to drive:_______________________
• Car(s) must be kept clean inside/out and free of trash
• Insurance rates are going up by $______. Who is paying the difference?_________________
Safety
• Always obey the speed limit and traffic laws. All tickets must be immediately brought to the attention of parents.
• Always wear a seatbelt and make sure everyone is the car is wearing a seatbelt.
Drinking/ Driving/Drugs
• Driving while impaired is one of the leading causes of fatality in vehicle crashes. Teen is not allowed to drink or use drugs and drive, have alcohol/drugs in the car, or even be in a car where there is alcohol or drugs or the driver has been drinking or using drugs.
Passengers
• No passengers are allowed in the car, other than adults until xx/xx/xx. According to studies, even the presence of one additional male teen doubles the chance of a fatal crash.
Cell Phones
• Absolutely no cell phone use – either talking or texting is allowed while driving. If teen needs to use cell phone, then they need to pull over to the side of the road.
Parent Notification
• Parents must be told when Teen is going to use car and they must be informed of where the teen is going and when he/she will return. Parents must be informed if Teen is going to be over 10 minutes late. Call home if plans change and teen goes somewhere else.
Grades
• Good grades must be maintained in order to have full access to car. Grades must consist of at least a B average
Time of Day/Weather
• Teen must be home by Curfew time of __________. I will not drive in rainy or snowy weather without first informing parents.

Teen Driver
I promise to abide by the contract above. If I do not follow all the rules outlined above, I will accept the consequences that parents create. I will tell parents of any violations that occur. During the time I cannot drive, I will be responsible for making other arrangements – that means parents do not have to take me.
Teen Signature                                       Date

I/We promise to help teen to succeed in following this contract. We will put in the time and effort to help teen become a safe and responsible driver. This contract can change as teen increases driving skills and demonstrates responsibility. I also promise to put consequences in place when teen violates any of the agreement.
Parent/Guardian                                  Date

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Storm Damage!

This week has been and is going to continue to be a HOT one in the Northeast. It continues a trend of heat coming from the Midwest. Weather is something that we all deal with daily in so many ways but how does weather impact our insurance premiums? Let’s take a look at the weather so far this year.

Run for your Life. Forget about insurance!!!!

 

Our world has been hit hard by weather related catastrophe’s in 2011. Australia/New Zealand have been dealing with floods, cyclones, and earthquakes. Japan of course had a large Earthquake on March 11th.

What about the U.S.? It has had many  weather issues.

• Severe winter storms hit us in January/February including the Groundhog day blizzard which hit the Plains and Midwest.

• The first week of April kicked off a particularly strong string of severe thunderstorms and tornadoes. The first round hit the Ohio Valley and mid-Atlantic.

• April 8 thru 11th – Round 2 of Tornadoes and severe storm damage hit the Midwest, South, and Plains.

• April 14-16th was the three day Tornado Outbreak which spread from the Southern Plains to the Carolina’s.

• April 25 – 30 had more storms which created massive losses reaching $10 billion! The Midwest and the Northeast took the brunt of it.

• May 22 – 27 Severe Storm Damage and more tornadoes hit from the Midwest to the South to the Northeast. Joplin Mississippi was hit particularly hard that day.

• More than 1,600 tornadoes have been reported so far this year which compares to 1,282 reported for all of 2010.

• In the past week alone, almost 50,000 claims have been filed in Wyoming and Colorado for hailstorms. This is almost 5 times what is reported in a year.

All of this has insurance companies reeling and it adds up to billions of dollars in losses being paid above and beyond what is normal. Tornadoes, hail and windstorm activity has been devastating to the U.S. and have had a large impact on insurance companies bottom lines.

The real problem though is that the hurricane season has barely begun. If the hurricane season is a tough one, we could see a major change in insurance premiums as the insurance market starts to “harden”. A hard market means that insurance companies are losing money and that means that it will become difficult for some companies to even find insurance. The premiums for those companies that are able to get insurance will increase, perhaps dramatically. None of this is good news in a down economy.

Travelers, the only insurance company in the Dow Jones Industrial Average has just posted a net loss of 364 million through 6 months which is it’s first loss in seven years. The tornado damage alone has cost them more than Hurricane Katrina. Similar results are coming in from many other companies.

What this means for you? If the U.S. can experience a reduction in weather-related losses for the rest of the year, insurance company  premiums could catch up to the losses they have paid. The claims could have a relatively small affect on your future premiums. This is a “big if” though. Even if the amount of claims are average for the rest of the year, insurance companies are going to end up losing big money which could be the beginning of a harder market and that means higher premiums on your insurance policies.

More to come………….

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The uncertainty of this messy economy creates the same financial challenges for most of us. It comes down to either increasing your income or lowering your expenses. Today, I am going to discuss some options you have to save on your auto insurance.

You might have seen The Gecko from Geico or Flo from Progressive both touting how they can save you money on your auto insurance. “Fifteen minutes COULD save you 15 percent or more on car insurance” the Gecko tells you. Flo tells you “You COULD save hundreds on car insurance”. These are frustrating commercials for independent agents. We know that sometimes your coverages can be removed or lowered more than is wise. We also know that in order to lower your premiums, you may be working with someone who does not have your best interest at heart. Your protection can be compromised and that is not a good thing. If you do decided to go to Gecko or Flo, have an independent insurance agent look at your quote to make sure that your coverages are good. It doesn’t cost you anything and  could save you some heartache down the road.

 

If you google “top ways to save money on car insurance” you will discover that there are over 5 million results. This is a common topic. When you start looking at the results, you find some similar threads. I wrapped those threads into the following 4 common themes. These are 4 areas that Gindin Insurance Agency focuses on when reviewing your car insurance.

 

We can shop your insurance

If you have your insurance with an independent insurance agency like Gindin Insurance, it can be shopped to many different carriers. By checking with other company’s we can obtain the best insurance premium for your situation with the best coverages possible. That is a distinct advantage that an independent insurance agency has to offer you.

Assume more risk

After a short discussion with you, we can provide information that will help you make a decision whether to assume more of your insurance risk. Two common ways of lowering premiums are by increasing your deductibles or removing a coverage. Depending on the situation and the insurance company, increasing deductibles on comprehensive and collision coverages can lower premiums significantly. Check with your independent agent to find out how much you can save. If you are not adverse to removing a coverage, the most common coverage to drop is your collision coverage on older vehicles. Collision coverage pays for repair to your automobile if it is involved in an accident. It covers damage to your car when your car hits, or is hit by, another vehicle, or other object. The coverage pays to fix your vehicle minus the deductible. Coverage is normally limited to the cash value of your car. Coverage is limited to the terms and conditions contained in the policy. The key words here are “normally limited to the cash value of your car. If your vehicle is older and it is involved in a collision, in many cases it is no longer worth much anyway. By opting not to have collision coverage, you save the premium which you could then put toward a new car.

Make sure you are getting all your discounts

By discussing your situation with your agent, they can make sure you are getting all the discounts that you deserve. Below is a list of some of the more common discounts.

  • Multipolicy discount
  • Defensive Driving discount
  • Good Student discount
  • College kid away from home discount
  • Retired discount

Not all companies have all discounts. Your agent will be able to guide you toward the company that is right for you.

Clean up your credit report

Most companies use a system called insurance scoring to produce a number that applies to your rates. The better your insurance score, the better your rates will be. Much of what goes into an insurance score are those things that make up your credit. The better your credit, the higher your score will be. It might be a good project to order your credit reports and clean them up if they have some incorrect information on them. You should also pay your bills on time including your insurance premiums. If you are cancelled for not paying your premium, then your insurance score could be reduced.

Looking at these 4 areas can help your independent agent help you find a great company with the lowest premiums with the best coverages for your situation.

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