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Many insurance policies exempt coverage for damage caused by acts of God, which is one time an insurance company gets religion. an employee (usually a non-lawyer) of an insurance company or an adjustment firm employed by an insurance company to negotiate an early settlement of a claim for damages against a person, a business or public body (like a city).

At times disputes arise as to whether a violent storm or other disaster was an act of God (and therefore exempt from a claim) or a foreseeable natural event. While a fair and responsible adjuster can serve a real purpose in getting information and evaluating the case for the insurance company, some adjusters try to make a settlement before the injured person has retained an attorney ("don't worry, we'll pay your bills. He'll only confuse things."), get a statement from the injured without counsel, or delay the payout with the promise he/she will negotiate any reasonable demand, and then making an offer of payment that is absurdly low.

The earliest example that really answered my question was from AD. The dead man is asked to rest in peace and to pray for us. When assessing the apologist’s claim that Asking the saints for their intercession is a basic part of all of historic Christianity, a first occurrence coming from an anonymous source at the start of the fourth century would appear to show, at the very least, that there is no evidence of this very strong historical claim.

Does anyone know of an example prior to the fourth century of Christians being enjoined to pray to the saints and ask for their intercession? Any barbs about differences between Catholics and Protestants will probably be removed. That may seem like a condescending thing to say, but when I first asked the question, the evidence supplied was actually evidence of a different claim, namely that Christians believed that saints on the other side prayed for us. I only want to know when and where the practice began, and if there is a source demonstrating this earlier than the fourth century.

— so I summoned my next-door neighbor, a woman, for help. There isn't much privacy, but you'll be grateful for the presence of others if an unpleasant situation develops. I once had a coffee date with a woman who grew increasingly angry — and vocal — over her mistreatment by an ex-boyfriend. If a coffee date shows up with a bad attitude, a bad temper or a foul mouth, head for the door. You might ask, for example, if your date has close friends: A "yes" indicates he or she is capable of connecting with others; a "no" suggests a lack of intimacy skills. If you're unsure, consider asking another couple to join you.

The two of us spent 45 minutes coaxing my surprise head case to leave, but it took a threat to call the police to finally get her out the door. If your date refuses to meet at a cafe or insists on a less public place, simply move on. When she turned her attack on me, I got up and left — and was thankful for an audience to witness my exit. Do likewise if he talks about becoming sexual after 15 minutes, or attempts to corral you into a relationship. I was enjoying a second date at a restaurant when my companion took a call during dinner. "I'm just fine," she told the caller, then stowed the phone with an apologetic smile. My current girlfriend (whom I met online, by the way) invited me into her home after only our second date.

Some insurance companies try to make the attorney deal with the adjuster, which is cheaper than sending the case to defense attorneys.

Adjusters also represent the company in approving settlements. a hearing before any governmental agency or before an administrative law judge.

Acts of God are significant for two reasons 1) for the havoc and damage they wreak, and 2) because often contracts state that "acts of God" are an excuse for delay or failure to fulfill a commitment or to complete a construction project.

Does it jar you to find a man writing about dating safety? As my fatal attraction to that mad mermaid proved, scary situations can pop up for anyone in the dating world — female or male, online or not. If you feel truly threatened, explain the situation to the cafe manager and ask him or her to walk you to your car. "What would your friend have done if you hadn't picked up? "She had instructions to call the police," she replied. I accepted, thanking her for her trust, but later mentioned that she could have been putting herself at risk.

That's why everyone who is part of that world must take some basic steps to ensure his or her physical safety. When you've exchanged emails with a prospect and you feel it's time to furnish phone numbers, the man should offer his first. I can't think of any good reason why a legitimately eligible man would withhold his digits; if he does, that's ample cause to feel unsafe. We all want to believe the best about people, but a date you don't really know deserves only a modicum of trust.

It is a real request for historical information and that is all I want.

I recently read an article at an anti-Protestant website (I don’t usually read such things, but a friend suggested it), and the writer claimed that “Asking the saints for their intercession is a basic part of all of historic Christianity.” I was taken aback. As best I can tell, the practice of asking deceased saints to pray for us is not mentioned anywhere in the New Testament.

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