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I'm not sure there's a school in Orange County that doesn't have a church in it on Sunday. When I was writing church insurance I probably wrote 20-25 policies a year for churches renting school space. Why? Does the world really need another struggling church meeting in a building they don't own and with little chance of every growing out of that situation?

Certainly there are many people who have no church affiliation and might benefit from all these dinky congregations, but at the same time there are many church properties sitting idle much of the week, and sitting nearly empty on the weekend, that could be used much more efficiently and to better effect. Are all these pastors of start-up churches called to start a new ministry, or perhaps is it an effort based more on ego than evangelism?

I remember getting a call to quote a large Southern Baptist church in San Diego - large in buildings, anyway. I met with the administrator who told me the church, with an 800 seat auditorium and a nice 2-story educational building, hadn't had a pastor for some time and was now down to about 10 members with an average age of about 75. The church at one time was a thriving community, but cutbacks in the military and changes in the neighborhood had taken their congregation away. The only thing keeping this church afloat was the Christian school that leased their property during the week. The old folks didn't want to change anything they did to attract younger members. They had become a "holy huddle".

Not far from there was a start-up church that had grown very well and was running about 250 in rented school facilities. I half-jokingly told the pastor that he should take all of his people and go join that Southern Baptist church. Once they were members they could vote the old farts off the board and take over the church and it's property. They'd certainly make better use of it than the old people were. I guess you could call that a "holy hostile takeover".

He didn't do it, but he should have. Wasting a church property in the way those old Southern Bapists did is almost blasphemy.

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Don Roman R. Santos, founder of Empire Insurance Company and its sister company Prudential Bank, did not come from a family that was initially well to do. Rather, it was through various small business ventures, including fishing and agriculture which he did himself, that we have the current existence of Empire as well as the cherished memory of Prudential Bank. An interesting link to Senior Enrique's blog reveals the Don Roman Santos building as it stands today in old Manila: an antiquated reminder to the present of what simple hard work and unwavering dedication can achieve.

A lot of young people unfamiliar with insurance see the industry as a relatively boring, old fashioned, and seemingly irrelevant one. Irrelevant, of course, to their daily lives in the sense that insurance is simply a footnote: something to apply for and forget as soon as possible. And insurance only starts to become important once you turn 18 and you start driving and you get into a car crash. Of course, buying fire insurance for your house wouldn't even make sense for most teens and young adults simply because at that age, you don't own a house. Today, kids might have another reason to get insurance aside from car wrecks.

Lloyd's of London, the world's premiere hub for insurance, is starting to offer insurance facilities for covering Direct Household Contents, which encompasses a broad range of household items, including digital devices. It simply means that for a fee, you could insure audio files you paid for when you downloaded them (such as in iTunes), as well as digital photographs you paid for from Getty. This new form of insurance, if ever it begins to be issued here, is sure to get a lot of attention simply because everyone could benefit from some form of protection covering music files (rock, house, hip hop, trance, jazz, 2step, emo, blahblah) which we spent a lot of time collecting (and even paying for, in some cases). Expect to see an Apple-fied version of this in the future (what won't they make you buy????)

Read the whole article here

Tue 08/01/2006 09:16 New office Hurrah! After more than 2 months of extended patience, the new Presidential Wing is complete! All that's left is the placing of the carpet tiles which was moved tomorrow because of the administrations concern regarding the adhesive and its impact on our productivity, specifically the ill effects of unintentionally 'sniffing glue.' Kidding aside, the new office looks like a champ, and is definitely a step in the right direction for The Empire. Now if only we could have those computers that could run Windows Xp...