Wikinews interviews candidate for New York City mayor Vitaly Filipchenko
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Wednesday, June 16, 2021
In early May, Wikinews extended an invitation to Vitaly Filipchenko, an independent candidate in the 2021 New York City mayoral election, set to take place November 2nd, alongside other candidates. Filipchenko answered some questions about his policies and campaign during a phone interview.
Filipchenko, registered on the New York City Campaign Finance Board as Vitaly A. Filipchenko, is the first Russian candidate for New York City mayor, being born in Tomsk, Siberia in 1973, according to news agency Sputnik. He has since naturalised as a United States citizen. According to the web site, Filipchenko has been educated in road construction and maintenance and owns a moving services company; he describes himself on his web site as a “small business owner”. On his web site’s platform page, he says that “[m]y English may not be perfect – but my platform is.”
Incumbent Democrat mayor Bill de Blasio, who won re-election in the 2017 New York City mayoral election by 66.5%, cannot run for a third term under term limits. As of April 28, 22 candidates are currently running, the majority of whom are also Democrats. Ahead of the June Democratic primary for New York City mayor, a poll conducted May 23 and 24 by WPIX and Emerson College of 12 Democratic candidates with a margin of error of 3.2 per cent has former commissioner for the New York City Department of Sanitation Kathryn Garcia and Borough President of Brooklyn Eric Adams leading with 21.1% and 20.1%, respectively.
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22
Key Points To Consider When Shopping For Restaurant / Tavern Insurance
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- See More About:
- Best Life Insurance Australia
By Ed Sneineh
When it comes to insurance needs restaurants are similar to all other businesses in the way that the owners are exposed to liability that can potentially put those owners under the risk of losing their properties and wealth. The following is a brief discussion summarizing the areas that restaurant owners need to worry about when it comes to protecting their wealth and property.
A. Property Insurance issues. Restaurant owners may own buildings or business property that need proper coverage:
(1) Building Coverage: If the restaurant owner owns the building, building coverage may be needed to protect the property from perils such as fire, collapse, smoke, etc. Depending on the location, age, and other factors, building may be covered at Replacement Cost (better) or Actual Cash Value -ACV- (Replacement Cost minus Depreciations.) The proper amount of coverage varies based on square footage. In Chicago, it costs between $100 to $170 per square foot to replace a commercial building.
(2) Restaurant Equipment: Will cover the value of the equipment that is owned by the business. Equipment can also be insured based on either Replacement Cost or ACV.
(3) Business Personal Property (content and inventory) such as food inventory.
[youtube]http://www.youtube.com/watch?v=UqfgirfJZjQ[/youtube]
(4) Physical Damage on business auto. If business owns a vehicle that requires physical damage (comp and collision) coverage can be obtained on both ACV or Stated Value (in stated value approach the business owner sets the value of the vehicle to be insured.)
(5) Business Income / Extra Expense. Provide coverage for the extra expense/ income of the business in the event of destruction of business by a covered loss. There is either a time limit, or an amount limit, or both for this coverage.
(6) Crime. It provides the businesses the protection from loss of money, securities, or inventory resulting from crimes (robbery, theft, etc.)
B. Liability Coverage. Restaurant owners may be subject of lawsuit due to negligent acts of the business or its employees. The following should be areas of concerns to the business owners of restaurants:
(1) Commercial General Liability (CGL) provides fundamental coverage for business owner against lawsuits resulting from incidents such as consumers’ slip and fall [premises liability], use of harmful food [product liability], or lawsuits brought against the offenses of the restaurant (or its employees) against the reputation of other people or businesses in the course of advertising [personal & advertising injury]. CGL also provides additional property damage to rented premises [fire legal liability] and coverage for bodily injury suffered by others on the premises of the insured, even though the insured was not negligent.
It is very important that restaurant owners disclose all aspects related to their business, such as yearly revenues, if the business provides catering or not, and if the business restaurant provides delivery or not. Additional important concerns to insurance companies include consumption of liquor, use of live entertainment, availability of dance floor, and other factors related to unusual services. These factors can affect the qualification for certain coverages and the premium that is charged to the policy.
(2) Liquor Liability. Dram shop laws provides for someone who has been injured by an intoxicated individual to sue the liquor establishment that sold/ served the alcoholic beverages to the intoxicated individual. If the restaurant serves liquor on the premises, then dram shop or liquor liability is necessary. Each state has certain minimum limits for liquor liability. In Illinois it is set at $300,000 each occurrence.
(3) Commercial Auto Insurance: If the restaurant owns a vehicle (for delivery, catering, or any other reason) the business owner may need to make sure that enough and appropriate coverage is purchased to protect the business.
(4) Hired and Non Owned Auto. Provides auto liability coverage for any vehicle rented by the restaurant business, or vehicles that are being used for running the business but are not owned by the restaurant owner (ie vehicle owned by someone other than the restaurant or its owner, while making a delivery.)
(5) Workers Compensation Provides coverage for injured workers, regardless of fault, if their injuries are work related. This is a mandatory coverage by the state in Illinois.
About the Author: Ed Sneineh is the founder of Insurance Navy, a commercial and personal insurance with several locations in Illinois. The agency provides online business insurance quotes as well as auto insurance quotes from several top rated carriers such as the Travelers, the Hartford and many more.
Source: isnare.com
Permanent Link: isnare.com/?aid=698573&ca=Finances
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Internet pirates want their own nation
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Monday, January 15, 2007
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This article features in a News Brief from Audio Wikinews:
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The Pirate Bay, a file-sharing website based in Sweden, seeks to purchase its own island nation in an attempt to escape copyright laws. A group of people has launched a campaign to collect money via the Internet to acquire a former British sea platform situated in the North Sea, six miles (9.6 kilometers) off the British coast.
The Pirate Bay states that the platform, named Sealand, will give users an easy way of sharing files protected by copyright in other nations. According to the statement made on the website, those who invest in purchasing Sealand will receive citizenship in it.
The platform was occupied in 1967 by the associates and family members of Paddy Roy Bates, a former radio broadcaster and former British Army Major, who now form its royal family. Prince Roy and Princess Joan Bates and their son Prince Regent Michael are willing to sell the platform for £65m. The royal family claims that it is independent and outside of any country’s jurisdiction.
The sovereign status of the platform is disputed. The Government of the United Kingdom extended the territorial waters from 3 to 12 nautical miles after 1987, placing Sealand in its jurisdiction. However, Prince Roy simultaneously expanded the territory of Sealand and claimed continued independence. (See Sealand on Wikipedia.)
Hired estate agents from Spain estimate the price of the floating island to be about 504 million pounds. The Swedish website mentioned that it was looking for alternatives to acquire Sealand. It also mentioned that if the “Internet-pirate” community is not able to buy Sealand, it will look for another small place to claim as its own.
The Pirate Bay website was closed for some time in May 2006 due to Swedish police raids. The site was later re-opened from the Netherlands before moving back to Sweden.
