Why Twitter won’t ban President Donald Trump

By Barbara Ortutay

THE ASSOCIATED PRESS

NEW YORK _ Twitter has made it clear that it won’t ban Donald Trump from its service, whether the president follows its rules against harassment or not.

That’s no surprise: The president’s tweets draw attention to the struggling service, even if tweets mocking reporters and rivals undercut Twitter’s stated commitment to make the service a welcoming place.

The company has been cracking down on accounts that violate its terms, and Trump’s critics say he has broken Twitter’s rules multiple times.

Calls to ban Trump from Twitter, largely by liberal activists, writers and Twitter users, sounded even before he became president. They were renewed recently when the president posted a mock video of him “body slamming” a man whose face was covered by CNN logo. Groups such as the Reporters Committee for Freedom of the Press condemned the video as a threat against journalists (a White House aide said at the time that the tweet should not be seen as a threat).

THE CASE FOR TRUMP

Twitter does ban harassment and hateful conduct, but there is a lot of wiggle room as to what constitutes such behaviour. For instance, though it may be crude to tweet that a TV host was  “bleeding badly from a face-lift,” they are at best in a grey area when it comes to violating Twitter terms.

When asked about Trump, Twitter says it doesn’t comment on individual accounts. But CEO Jack Dorsey told NBC in May that it’s  “really important to hear directly from leadership” to hold people accountable and have conversations out in the open, not behind closed doors.

It also makes business sense: Trump’s tweets are constantly in headlines, calling attention to Twitter and, ideally, getting more users to sign up.

For now, it doesn’t appear to be helping. On Thursday, Twitter said its monthly average user base in the April-June quarter grew 5 per cent from the previous year to 328 million, but it was unchanged from the previous quarter. Twitter’s stock fell more than 9 per cent to $17.75 in pre-market trading Thursday after the numbers came out.

Twitter has never turned a profit. On Thursday, the San Francisco-based company reported a second-quarter loss of $116 million, or 16 cents per share, compared with a loss of $107 million, or 15 cents per share, a year earlier.

Revenue declined 5 per cent to $574 million from $602 million, inching past Wall Street’s muted expectations.

IMPORTANT TWEETS

Free speech advocates agree it’s better for Trump to stay.

Emma Llanso, director of the Center for Democracy & Technology’s Free Expression Project, said Trump’s tweets are  “very clearly politically relevant speech” and are even being cited in court cases challenging the president’s policies. For example, a U.S. appeals court used Trump’s tweets in June to block his travel ban on people from six predominantly Muslim countries.

Llanso said it’s understandable why there has been “so much pressure” on social media platforms to crack down on harassment. Long before Trump was elected, users and online safety advocates called on Twitter to do something about abuse on its service.

But when it comes to the president’s outsized presence on Twitter, she’d rather have a private company avoid deciding what should and shouldn’t be allowed. Rather, she said, “we should be looking to the instruments of our democracy as the appropriate place to hold the president accountable.”

SURVIVING THE CRACKDOWN

Twitter appears to agree. Earlier this month, the company announced that it is now taking some action, including suspensions, on 10 times the number of abusive accounts than it did a year ago (though it did not give a number). Trump, of course, was not in trouble.

In June, the president defended his use of social media, tweeting that the mainstream media doesn’t want him to get his “honest and unfiltered message out.” The White House did not immediately respond to a message for comment on Thursday morning.

IT WORKS BOTH WAYS

Twitter provides a platform for the president to interact with the world directly, without intermediaries such as the news media. But if it’s important for people to hear directly from Trump, free speech advocates say, it’s also important for Trump to listen and to allow people to see his messages.

His blocking of individual users on the service is the subject of a lawsuit .

Comedian Dana Goldberg, who says she has been blocked by the president but is not part of the lawsuit, likened it to him  ‘giving the State of the Union and blocking out the TV sets of people who voted for (Hillary) Clinton.”

Her offence? Goldberg, who has about 7,680 followers compared with Trump’s 34.6 million, said it was her tweet calling Trump “a sad man” after he wished Sen. John McCain well following a cancer diagnosis, despite deriding McCain’s war record before.

“The fact that I was blocked by the president of the United States, it’s insane,” she said.

It’s summer break time for ILSTV News

It’s summer break time for ILSTV News

Our annual summer break is now upon us, and we will return on Sept. 6th. 

Until then, all of us at ILSTV wish all of our readers a safe and happy summer season!

Please remember to visit our website for major industry news that may break while we’re away. www.ilstv.com

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You can also register for our insurance training programs online, anytime, at ILScorp.com

How financially savvy are you? Take the quiz!

How financially savvy are you? Take the quiz!

Pattie Lovett-Reid

Chief Financial Commentator, CTV

We have so often heard about the importance of teaching youth about money. But it appears parents aren’t all that financial savvy either. According to a survey conducted by Ipsos Reid for LowestRates.ca, 78 per cent of respondents claimed to be financially literate.

But, when asked a series of questions to test their financial knowledge, nearly 60 per cent failed.

The quiz consisted of 15 true-or-false questions and the results suggested that Canadians are especially unclear about terminology concerning mortgages, auto insurance and tax-free savings accounts. To make matters worse, of those who passed, most obtained a C or D grade.

Test your knowledge by answering the following statements with ‘true’ or ‘false’:

(answers at article’s end)

  1. A mortgage term refers to the length of time you need to pay off your mortgage.
  2. You must pay for government insurance on mortgages where you put down less than 20% of a down payment – unless the home is worth $1 million or more.
  3. A car that is more expensive always costs more to insure than a cheaper car.
  4. You never have to report interest and profits gained in your TFSA when filing taxes.
  5. You can have multiple TFSA accounts with different banks at the same time.
  6. Your auto insurance automatically goes down when you turn 25.
  7. Applying for a credit card can negatively affect your credit score.
  8. Home insurance can sometimes protect you if your dog bites someone in your home.
  9. Your home insurance will always cover you if a tree falls on your home.
  10. Checking your credit score has no impact on the score itself.
  11. The colour of your car affects your car insurance rate.
  12. All banks charge you money to have a chequing account.
  13. Auto insurance premiums can be cancelled mid-way through their term.
  14. You need to be licensed to buy stocks in Canada.
  15. There’s no need to get travel insurance if you’re travelling within Canada between provinces.

Men were significantly more likely than women to believe they were financially literate, as 84 per cent rated themselves as excellent or good, compared to 73 per cent of women. Canadians who rated their financial literacy high were more likely to pass the quiz, but even then, fewer than half of them passed the test.

Baby boomers (52 per cent) and Gen Xers (45 per cent) were more likely to pass than millennials (31 per cent). While millennials were more likely to rate their financial literacy as excellent, they were the generation most likely to fail the quiz.

The survey showed strong financial literacy correlated with more educated Canadians. Nearly nine in 10 (87 per cent) university graduates described their financial literacy as either excellent or good, compared to 77 per cent of those with a high school diploma.​

Seems young and old alike have some work to do on their financial knowledge.

Quiz answers: 1 – False, 2 – True, 3 – False, 4 – False, 5 – True, 6 – False, 7 – True, 8 – True, 9 – False, 10 – True, 11 – False, 12 – False, 13 – True, 14 – False, 15 – False.

RSA Canada employees from coast to coast come together to help clean up Canada’s shoreline for wildlife

More than 185 employees from RSA Canada took part in the company’s first-ever Great Canadian Shoreline Cleanup campaign earlier this week.

A conservation initiative of the Vancouver Aquarium and WWF-Canada, the Great Canadian Shoreline Cleanup provides Canadians with the opportunity to rehabilitate shorelines and create healthier water ecosystems for people and wildlife, one piece of trash at a time.

RSA’s Great Canadian Shoreline Cleanup events took place in nine cities across the country. Employees across RSA and Johnson offices worked together in teams to pick up garbage from various locations where water met land.

The teams worked together to clean up shores in the following locations:

  • Vancouver – Burrard Inlet at Portside Park
  • EdmontonEmily Murphy Park
  • Calgary – Elbow River at Stampede Park
  • GTAMarilyn Bell Park
  • Québec CityParc de la rivière du Berger
  • Sherbrooke – Magog River at Boisé de la Sauvagine
  • Montréal – Canal Lachine – Pont Lafleur
  • St. John’s – Quidi Lake
  • Halifax – Frenchman Lake

“Participating in the cleanup with colleagues was an enjoyable team-building exercise,” said Molly MacInnis in RSA Canada’s Toronto office. “Encouraging us to participate in initiatives that are important to us on a personal level is a testament to RSA’s belief in the benefits of integrating employee engagement and corporate responsibility initiatives.”

At the end of each day, each region also weighed and tallied how much trash had been cleaned up, participated in an important discussion about the items they found, and reflected on what they learned from the experience. Among the most interesting and unusual items picked up was an onion, a jar of pickles and a shopping cart. In total, pounds of litter was picked up before it had the chance to get into the water where it can harm fish, whales, turtles, shorebirds and other aquatic wildlife.

“RSA Canada is proud to participate in this initiative in partnership with WWF-Canada and the Vancouver Aquarium. We know how important it is to keep our shorelines, parks and lakes clean in order to preserve Canada’s wildlife,” says RSA President and CEO, Martin Thompson. “The five-year partnership with WWF-Canada is helping us inspire and engage employees in workplaces across Canada to take environmental action, through activities like the Great Canadian Shoreline Cleanup.”

Every year, tens of thousands of Canadians take action against shoreline litter by participating in the Great Canadian Shoreline Cleanup one of the largest direct action conservation programs in Canada. Now in its 24th year, the Great Canadian Shoreline Cleanup has collected more than 1.2 million kilograms of trash across Canada with the help of over 700,000 volunteers.

To participate in a Shoreline Cleanup near you or to learn more about this important initiative, please visit www.shorelinecleanup.ca.

For more information about RSA Canada, visit www.rsagroup.ca or check us out on Twitter at @RSACanada.

About RSA
With a 300 year heritage, RSA is a multinational quoted insurance group. Focusing on general insurance, RSA’s core markets are the UK & Ireland, Scandinavia and Canada, with the capability to write insurance business across the globe.  RSA’s core businesses have approximately 13,500 employees with net written premiums of £6.3bn in 2016.

About RSA Canada
The RSA Canada group of companies includes Roins Financial Services Limited, Royal & Sun Alliance Insurance Company of Canada, Quebec Assurance Company, Johnson Inc., Unifund Assurance Company, Western Assurance Company, Ascentus Insurance Ltd., Canadian Northern Shield Insurance Company and RSA Travel Insurance Inc. (collectively, “RSA Canada”) and is part of a group of companies headed by RSA Insurance Group Plc. RSA Canada employs more than 3,000 people across Canada and is one of the oldest insurance companies in the country with roots dating back to 1833.

©2017 Royal & Sun Alliance Insurance Company of Canada. All rights reserved. RSA, RSA & Design and related words and logos are trademarks and the property of RSA Insurance Group plc, licensed for use by Royal & Sun Alliance Insurance Company of Canada. RSA is a trade name of Royal & Sun Alliance Insurance Company of Canada.

About WWF-Canada & RSA Canada’s partnership
In March 2016, WWF-Canada and RSA Canada kicked off a new five-year partnership to inspire and engage employees in workplaces across Canada to take environmental action. With this partnership, RSA became the new presenting sponsor of Living Planet @ Work, WWF-Canada’s environmental employee engagement program. In doing so, RSA demonstrates and promotes the benefits of integrating employee engagement and corporate responsibility initiatives.

Through this partnership, WWF-Canada is supporting RSA to develop a robust national green team program in order to engage employees coast to coast to take action on sustainability.

This partnership supports RSA Canada’s corporate responsibility commitments to reduce the carbon emissions from our internal operations by 12 per cent per employee by 2018 (2015 baseline) as well as support our customers with tools and solutions to better respond to changing environmental risks and opportunities.

About World Wildlife Fund Canada
WWF-Canada creates solutions to the environmental challenges that matter most for Canadians. We work in places that are unique and ecologically important, so that nature, wildlife and people thrive together. Because we are all wildlife. For more information, visit wwf.ca.

About the Great Canadian Shoreline Cleanup
The Great Canadian Shoreline Cleanup, presented by Loblaw Companies Limited, is one of the largest direct action conservation programs in Canada. A conservation initiative of the Vancouver Aquarium and WWF, the Shoreline Cleanup aims to promote understanding of shoreline litter issues by engaging Canadians to rehabilitate shoreline areas through cleanups. www.ShorelineCleanup.ca

Vancouver Aquarium Marine Science Centre
The Vancouver Aquarium Marine Science Centre is a non‐profit society dedicated to the conservation of aquatic life. www.vanaqua.org

SOURCE RSA Canada

IIROC & Life Insurance Council of Saskatchewan to share information on investigations & discipline

A new agreement between the Investment Industry Regulatory Organization of Canada (IIROC) and the Life Insurance Council of Saskatchewan (LICS) will provide stronger protection for investors and consumers by preventing rule breakers from moving from the jurisdiction of one regulator to another without close scrutiny. When necessary the agreement allows the two regulatory organizations to co-ordinate investigations.

As part of a Memorandum of Understanding announced today, IIROC and LICS will share information on investigations and discipline, including names of individuals refused registration or licensing, names of individuals under investigation and names of licensees who have had terms and conditions imposed on their registration or licensing.

The agreement also enables joint investigations when the same individual is under investigation by both regulatory organizations.

IIROC has information sharing agreements with insurance regulators in Alberta, British Columbia, Ontario and Quebec.

“As a public interest regulator, it is important to ensure that rule-breakers cannot simply switch designations without unsuspecting new clients or other regulators being aware of their transgressions,” said IIROC President and CEO Andrew J. Kriegler. “This agreement helps to close gaps and enables both our organizations to strengthen consumer protection.”

“This is a great example of regulatory agencies working together to enhance consumer protection in our province,” said Gordon Wyant, Saskatchewan Minister of Justice and Attorney General. “We applaud both IIROC and LICS for demonstrating leadership and encourage continued co-operation.”

“This agreement not only provides strong consumer protection, it sends an important message in both the securities and insurance sectors, that if you are one of the few who harm clients, you will be held accountable,” said Roger Sobotkiewicz, Chair and CEO of the Financial and Consumer Affairs Authority of Saskatchewan.

IIROC investigates and prosecutes investment advisors who breach the regulator’s rules by, for example, misappropriating funds from clients, falsely endorsing client signatures and/or making unsuitable recommendations to investors, commonly seniors and vulnerable investors who suffer significant financial losses. In 2016, IIROC completed 138 investigations across Canada with 46 completed prosecutions and more than $3.5 million in sanctions imposed.

The Insurance Councils of Saskatchewan (ICS) operate under an authority delegated by the Superintendent of Insurance to license and regulate insurance agents, brokers, adjusters and agencies in the province of Saskatchewan. The Councils are committed to a fair, ethical and professional industry which ensures that consumers receive responsible, trustworthy advice and service regarding insurance and related financial matters.

A fact sheet listing IIROC’s recent MOUs is available at www.iiroc.ca.

About IIROC
IIROC is the national self-regulatory organization which oversees all investment dealers and their trading activity in Canada’s debt and equity markets. IIROC sets high quality regulatory and investment industry standards, protects investors and strengthens market integrity while supporting healthy Canadian capital markets. IIROC carries out its regulatory responsibilities through setting and enforcing rules regarding the proficiency, business and financial conduct of dealer firms and their registered employees and through setting and enforcing market integrity rules regarding trading activity on Canadian debt and equity marketplaces.

About ICS
The Councils have the authority to conduct investigations into the conduct of insurance brokers, agents and adjusters in response to a complaint and to come to a determination as to whether there has been a breach of any of the provisions of The Saskatchewan Insurance Act, its Regulations or the Insurance Council Bylaws.

SOURCE Investment Industry Regulatory Organization of Canada (IIROC) – General News

Latest smartphone app provides more convenience and peace of mind

Attention tech, insurance, housing and auto journalists.

Many of us can’t live without our smartphones. They’re in our pockets, purses and bags and we check them often for communication, information, or just force of habit. Now your phone can become the ultimate home and auto insurance tool by downloading the new State Farm Canada Appwww.statefarm.ca/sfcanadaapp – for free!

Telematics, Alert and easy access to Online Services all at your fingertips

The all-new State Farm Canada App includes Telematics* – a fully mobile telematics insurance program. Telematics can help you to become a safer driver by using your smartphone to track and improve your driving in real-time and then rewards you with savings of up to 25% on your auto insurance premium at renewal. – www.statefarm.ca/insurance/auto/discounts/telematics

The app also allows you to manage your home and auto insurance easily. By logging on to your Online Services account directly from your phone you can receive instant access to your insurance policies, obtain valuable information and tips, file a claim or get an online quote, anywhere, anytime, 24/7.

And for even more peace of mind, the State Farm Canada App includes Alert, our latest home insurance prevention program that detects water leaks and risk of freezing to prevent water damage.

Customers with a home insurance policy that sign up for the Alert program will receive a free water and freeze detector. The detector is a connected device and can be placed close to a potential source of leaks like a bathroom, dishwasher or washing machine. If it senses a problem it sends an alert to your smartphone by notification, text message or email, so you can act quickly to limit any damage. Participation in the program will not lead to premium increases or changes in existing coverage, regardless of how many alerts a customer receives.

In Canada, water damage accounts for more than 50% of property insurance claims, so acting fast can prevent significant damage and avoid the disruption that comes with it.

How and where do I get it?

Call your State Farm agent to enroll in Telematics and/or Alert, and download the State Farm Canada App from the App Store® – www.apple.com/itunes/download – or Google Play™ – https://play.google.com/store/apps.

About State Farm

In January 2015, State Farm’s Canadian operations were purchased by Desjardins Group, the leading cooperative financial group in Canada and among the three largest P&C insurance providers in Canada. With its 500 dedicated agents and 1700 employees, the State Farm division provides insurance and financial services products including mutual funds, life insurance, vehicle loans, critical illness, disability, home and auto insurance to customers in Ontario, Alberta and New Brunswick. For more information, visit www.statefarm.ca, join us on Facebook – www.facebook.com/statefarmcanada, or follow us on Twitter – www.twitter.com/statefarmcanada.

App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
Google Play is a trademark of Google Inc.

*Telematics is currently available in Ontario only

State Farm branded policies are underwritten by Certas Home and Auto Insurance Company.

®State Farm and related trademarks and logos are registered trademarks owned by State Farm Mutual Automobile Insurance Company, used under licence by Certas Home and Auto Insurance Company.

©Copyright 2017, Certas Home and Auto Insurance Company.

SOURCE State Farm Mutual Automobile Insurance Co.

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