Asset Planning Insurance Group LLC is proud to have a spot in the 2018 WJAC Holiday Extravaganza set to air on WJAC Thursday December 6th, 2018 at 7pm.
Early in the morning of October 12, 1492, a sailor on board the Pinta sighted land, beginning a new era of European exploration and expansion. The next day, the ninety crew members of Columbus’ three-ship fleet ventured onto the Bahamian island that he named San Salvador (now Watling Island, and then called Guanahaní by the natives), ending a voyage begun nearly ten weeks earlier in Palos, Spain.
As a reward for his valuable discovery, the Spanish crown granted Columbus the right to bear arms. His new coat of armsadded the royal charges of Castile and Leon and an image of islands to his traditional family crest. Columbus further modified the design to include a continent beside the pictured islands.
Before his final voyage, the Spanish monarchs prepared a Book of Privileges, a collection of agreements showing how Columbus was remunerated for his explorations. In 1502, four copies of the book were known to exist. The Library of Congress’s copy of this work is one of the Top Treasures included in the online exhibition American Treasures of the Library of Congress.
The first recorded celebration of Columbus Day in the United States took place on October 12, 1792. Organized by the Society of St. Tammany, also known as the Columbian Order, it commemorated the 300th anniversary of Columbus’ landing.
The 400th anniversary of the event inspired the first official Columbus Day holiday in the United States. President Benjamin Harrison issued a proclamation in 1892, “recommending to the people the observance in all their localities of the 400th anniversary of the discovery of America…” and describing Columbus as “the pioneer of progress and enlightenment.” Since then, school programs, plays, and community festivities have been organized across the country in celebration of Columbus Day. Columbus and the Discovery of America, Imre Kiralfy’s “grand dramatic, operatic, and ballet spectacle,” is among the more elaborate tributes created for this commemoration. The World’s Columbian Exposition or Chicago’s World’s Fair, which opened in the summer of 1893, was designed to commemorate Columbus’ discovery of the New World 400 years earlier.
In the decades that followed, the Knights of Columbus, an international Roman Catholic fraternal benefit society, lobbied state legislatures to declare October 12 a legal holiday. Colorado was the first state to do so on April 1, 1907. New York declared Columbus Day a holiday in 1909 and on October 12, 1909, New York Governor Charles Evans Hughes led a parade that included the crews of two Italian ships, several Italian-American societies, and legions of the Knights of Columbus. President Franklin Delano Roosevelt designated Columbus Day (then celebrated October 12) a national holiday in 1934.
Since 1971, when Columbus Day was designated the second Monday in October, it has been celebrated as a federal holiday. In many locations across the country Americans hold parades to commemorate the day.
Oviedo came to America in 1514 and for over thirty years compiled detailed ethnographic descriptions of the goods, products, peoples, and customs of the Caribbean and Central America. The hammock was first introduced to Europeans during Columbus’ first voyage of 1492.
- Learn more about the explorer’s historical legacy by visiting the exhibition 1492: An Ongoing Voyage.
- Search the Library of Congress pictorial collections on Columbus to find photos of monuments, paintings and drawings of the explorer and his landings in the New World, and numerous places named for him. See, for example, one of the largest monuments to the explorer, the Columbus Monument at Columbus Circle in New York City.
- Search on the phrase Columbus Day in Chronicling America, Historic American Newspapers 1789-1925 to find newspaper articles from across the country describing celebrations, as well as advertisements for traditional Columbus Day sales.
- Read about the Exploration and Early Settlement of what today is the United States in Parallel Histories: Spain, the United States, and the American Frontier, a collaborative digital library project between the Library of Congress and the National Library of Spain. Look for maps, prints and photographs, and other documents.
- Explore the following collections which testify to the importance of Spain and the Spanish language in the exploration and European settlement of North America and the Caribbean:
- Examine an award-winning quilt commemorating the Sesquicentennial of Christopher Columbus’ arrival in the New World (1492-1992). This quilt is featured in the collection Quilts and Quiltmaking in America, 1978 to 1996.
History of Labor Day
Labor Day: What it Means
Labor Day, the first Monday in September, is a creation of the labor movement and is dedicated to the social and economic achievements of American workers. It constitutes a yearly national tribute to the contributions workers have made to the strength, prosperity, and well-being of our country.
Labor Day Legislation
The first governmental recognition came through municipal ordinances passed in 1885 and 1886. From these, a movement developed to secure state legislation. The first state bill was introduced into the New York legislature, but the first to become law was passed by Oregon on February 21, 1887. During 1887 four more states — Colorado, Massachusetts, New Jersey, and New York — created the Labor Day holiday by legislative enactment. By the end of the decade Connecticut, Nebraska, and Pennsylvania had followed suit. By 1894, 23 more states had adopted the holiday, and on June 28, 1884, Congress passed an act making the first Monday in September of each year a legal holiday in the District of Columbia and the territories.
Founder of Labor Day
More than a century after the first Labor Day observance, there is still some doubt as to who first proposed the holiday for workers.
Some records show that Peter J. McGuire, general secretary of the Brotherhood of Carpenters and Joiners and a co-founder of the American Federation of Labor, was first in suggesting a day to honor those “who from rude nature have delved and carved all the grandeur we behold.”
But Peter McGuire’s place in Labor Day history has not gone unchallenged. Many believe that Matthew Maguire, a machinist, not Peter McGuire, founded the holiday. Recent research seems to support the contention that Matthew Maguire, later the secretary of Local 344 of the International Association of Machinists in Paterson, N.J., proposed the holiday in 1882 while serving as secretary of the Central Labor Union in New York. What is clear is that the Central Labor Union adopted a Labor Day proposal and appointed a committee to plan a demonstration and picnic.
The First Labor Day
The first Labor Day holiday was celebrated on Tuesday, September 5, 1882, in New York City, in accordance with the plans of the Central Labor Union. The Central Labor Union held its second Labor Day holiday just a year later, on September 5, 1883.
In 1884 the first Monday in September was selected as the holiday, as originally proposed, and the Central Labor Union urged similar organizations in other cities to follow the example of New York and celebrate a “workingmen’s holiday” on that date. The idea spread with the growth of labor organizations, and in 1885 Labor Day was celebrated in many industrial centers of the country.
A Nationwide Holiday
The form that the observance and celebration of Labor Day should take was outlined in the first proposal of the holiday — a street parade to exhibit to the public “the strength and esprit de corps of the trade and labor organizations” of the community, followed by a festival for the recreation and amusement of the workers and their families. This became the pattern for the celebrations of Labor Day. Speeches by prominent men and women were introduced later, as more emphasis was placed upon the economic and civic significance of the holiday. Still later, by a resolution of the American Federation of Labor convention of 1909, the Sunday preceding Labor Day was adopted as Labor Sunday and dedicated to the spiritual and educational aspects of the labor movement.
The character of the Labor Day celebration has undergone a change in recent years, especially in large industrial centers where mass displays and huge parades have proved a problem. This change, however, is more a shift in emphasis and medium of expression. Labor Day addresses by leading union officials, industrialists, educators, clerics and government officials are given wide coverage in newspapers, radio, and television.
The vital force of labor added materially to the highest standard of living and the greatest production the world has ever known and has brought us closer to the realization of our traditional ideals of economic and political democracy. It is appropriate, therefore, that the nation pays tribute on Labor Day to the creator of so much of the nation’s strength, freedom, and leadership — the American worker.
Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning—and the invisible, odorless gas sickens thousands more.
The numbers seem even more tragic when you consider that most of these deaths and illnesses are preventable. Here are tips from the Consumer Product Safety Commission and the Occupational Safety and Health Administration to help protect yourself and your loved ones at home and work.
- Make sure you have CO alarms—and that they work. You should have a CO alarm on every level of your home and outside sleeping areas. Test them and replace batteries regularly, too. The alarms themselves should be replaced every five years or as recommended by the manufacturer.
- Get your chimney and furnace checked. A chimney or furnace that isn’t functioning properly can lead to CO buildup inside your home. Have a professional examination and/or service before you begin using them.
- Be careful with generators and grills. Neither should ever be used inside your home or in an enclosed space, such as a garage—even semi-enclosed spaces like porches can be risky, too. Keep generators at least 20 feet away from the house when in operation.
In general, the same precautions for homes apply here, but there are a few additional considerations for the workplace, particularly one where gas-powered machinery is used:
- Be mindful of ventilation. Every year, workers are poisoned by CO while using fuel-burning equipment in areas that don’t have adequate ventilation.
- Try using different tools indoors. Consider electric tools or ones powered by compressed air, and if possible, avoid using forklifts, pressure washers and other gas-powered equipment. Ensure machinery and tools are maintained properly, too.
- Report unsafe conditions or issues. If you see something that might cause CO buildup, or you suspect CO poisoning in you or a co-worker, get people out of the area and report the problem to your employer immediately.
Whether you’re at home or work, always be on the lookout for symptoms of CO exposure: They include dizziness, drowsiness, headaches and nausea. If you suspect an issue, leave the area as soon as possible and call 911—because when it comes to CO, it’s better to be safe than sorry.
Top image by Flickr user Yutaka Seki used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.
Summer Driving Tips
Summer’s almost here. The sun will come out of hiding, and people will, too.
As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and about, whether on foot, bike, or skateboard, or by car, motorcycle, or RV, increasing the risk of an accident. And, the summer heat isn’t exactly kind to your vehicle.
Still, there’s no stopping the allure of a summer drive. To help keep yours safe, keep your attention on the road and on your surroundings, as well as on these safety tips.
Summertime Safety Behind the Wheel
Just like winter, summer has its own set of seasonal hazards that require your complete attention as a driver. Here are some to be particularly mindful of:
- People: In your neighborhood, on city streets, in parking lots, and especially around parks, beaches, or any popular summer attraction, people are outdoors and often more focused on their enjoyment than on personal safety. Children are out of school and they might be playing in the street in a quiet neighborhood or chasing a basketball bouncing away from a driveway hoop. In summer, there is simply more human activity everywhere, and it’s up to you to slow down and stay alert.
- Bikes and motorcycles: Bicyclists and motorcyclists are also more active in good weather. Pay attention and take extra care in areas that attract cyclists.
- Glare: The sun’s glare is bright in summer, and even harsher when the sun is low and in your face. Have your sunglasses handy if you’re not already wearing them, and be ready to flip down the visor so you don’t spend even a second driving while blinded by the glare.
- Roadway obstacles: A busy roadway is no place for a sofa. But, with scores of people completing summer moves, you might just encounter one. Keep an eye out for roadway obstacles and plan as far ahead as possible on how to safely maneuver around them. Thunderstorms and tropical storms can further clutter the roads with debris, tree limbs, or even downed power lines.
- Heatstroke: Finally, don’t forget the dangers of summer parking. Children and pets left in parked cars are vulnerable to injury or even death from heatstroke. At an outside air temperature of 60 degrees, a car’s interior temperature can reach 110 degrees, which is a lethal level for children, according to the National Highway Traffic Safety Administration. Rolling down car windows does not provide sufficient cooling, so don’t be tempted to leave children or pets for even a minute. It can be lethal—and in many states illegal—to leave children and pets alone. To help keep your car cool for when you return, park in the shade or place a removable sunshade in the windshield.
Road Trip Safety
A road trip with family and friends can make a memorable summer for both the right and the wrong reasons. Make it the right reasons with some careful planning and driving. There will be plenty of time for fun once you reach the campground, resort, or cabin.
- Inspect your ride: Have a mechanic give your car, bike, or RV a full inspection before you go. Be especially mindful of coolant and oil levels to help protect your engine, and remember that tires often deflate with significant temperature changes, such as during the transition from spring to summer. If you have a bike carrier, car carrier, or trailer attached to your vehicle, be sure everything’s secure before taking off.
- Pack your emergency supplies: We know space is at a premium when packing for a summer road trip, but don’t neglect to include some important necessities in case of emergency. This includes water, food, maps, first aid supplies, a tire pressure gauge and tire change kit, a flashlight, towels, and jumper cables. Be sure to keep your phone charged and gas tank full in case of trouble. And, don’t forget plenty of games, books, snacks, and activities to keep the passengers distracted—and keep them from distracting you.
- Plan your route: Map out how to reach your destination and how much time it will take to get there, and be sure to leave plenty of room for unexpected delays. Minimize those unexpected delays by checking the Department of Transportation websites of the states where you’ll be traveling for planned road work before you go.
- Check your insurance coverage: Is your insurance ready to help out if you injure a pedestrian on your summer drive? What if you crash into a tree or run out of gas? If you’re not sure for what types of scenarios you’re covered, check in with us before heading out on your trip.
- Take your time: Don’t get frustrated when unexpected delays—or fascinating roadside attractions—put you behind schedule. Keep to the speed limit, and don’t risk shortcuts that aren’t clearly marked. Take plenty of breaks to stretch your legs and rest your eyes while kids run off excess energy, and switch drivers when you’re drowsy.
There’s no better time to be on the road than when the sky’s clear and the sun’s shining. We wish you safe travels and a wonderful summer!
Do You Need Umbrella Insurance?
One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could result in a multi-car accident. And you could be held liable to others for the cost of damages – injuries, property destruction, emotional distress, lost wages and more.
Good thing you have insurance. But, wait, your policy covers $300,000 of liability, and, in a lawsuit, you’re judged liable for $1 million. That leaves $700,000 left to pay. How will you cover it?
If you have umbrella insurance and your policy covers the incident, the additional $700,000 will come from your policy. If not, it will come from the assets you have now, such as your home and savings, and from future assets, such as your wages or inheritance.
The fact is, it only takes one serious accident and a resulting lawsuit to put everything you own – and will own – at risk. And it only takes one umbrella policy to help protect it all.
Here are a few things you should know about umbrella insurance:
- Personal umbrella policies typically offer between one and five million dollars of liability coverage. Consider your net worth when choosing your coverage –you could be sued for everything you have.
•An umbrella policy is not a stand-alone policy. Your insurance carrier will typically require you to meet certain qualifications, such as having an auto policy with a certain level of liability coverage, in order to purchase umbrella insurance.
- Even when you have umbrella insurance, your car or home insurance is your first line of defense. For example, if you are liable for $2 million in a car accident and your auto insurance covers $500,000 of liability, your auto policy covers the first $500,000. Your umbrella policy covers the remaining $1.5 million, assuming your policy covers the incident and that you purchased that much coverage. If you are liable for $250,000 in an accident on your property and your homeowners insurance covers $300,000, your umbrella policy won’t be needed.
- If you insure a motorcycle, ATV, golf cart, snowmobile, motorhome, or watercraft, your umbrella policy may provide additional liability coverage on top of those policies as well. Be sure to check with your agent to confirm your coverage on these types of vehicles.
- A single umbrella policy typically covers all of your family members who are residents of your household.
Essentially, an umbrella policy gives you excess liability coverage on top of what your other policies provide. If you’re at fault for a serious accident, you’ll need it.
Umbrella insurance also gives you liability coverage in instances where other policies don’t. Examples include driving in a foreign country or renting a boat.
If you’re curious about how umbrella insurance might play a role in protecting the life you’ve built or plan to build, talk to us today.
Top image by Flickr user dusk-photography used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.