Things To Consider Before Buying Business Insurance
One of the top considerations upon building a business, whether or not you start small, is to purchase insurance. Business insurance basically provides financial protection for potential loss and damages caused by unforeseen accidents.
Purchasing insurance is an important step for ensuring the growth of your business as you face tough challenges every day. However, with the hundreds of alluring insurance offers via online and sales agents, it is important you choose for insurance that best suits your needs. To make your business protected today and tomorrow, listed below are some things that you may consider in buying business insurance.
Know the type of insurance that you need
Business insurance is a general term that can be broken down into a list of nine types of insurance policies. These include property insurance, casualty insurance, liability insurance, commercial auto insurance, workers compensation, business interruption, health insurance, and life and disability insurance. Your choice of insurance may depend on the type of business, location, and size of company. For instance, if you are located in a place where earthquake and tornado frequently occur, obtaining calamity insurance is a wise choice.
Consider Business Owner Policy (BOP)
Oftentimes, business owners would look for the cheapest insurance possible that they can get for their business. One of the best ways to save is to consider business owners\\’ policy (BOP). Buying separate policies from different insurers can result t higher premiums. On the contrary, BOP combines typical coverage options including property, general liability, vehicles, business interruption and other types of coverage common to most types of businesses.
Assess your risk
Before issuing policies, insurance companies firstly the level of risk associated with your business, such as the business location, type of building, local fire protection services, and the amount of insurance you purchase. Depending on the risk, the company may or may not provide all that is being requested of the coverage. The higher your risk is, the higher you pay for the premium.
Avoid picking the very first insurance that comes in your way. It should be noted that the extent and cost of coverage for insurance policies vary from one company to another. Looking into other options gives you chance to compare which policy is more suitable for your business. Aside from sales agents, you can also look for insurance companies online and get quotes in an instant.
Find a Reputable, Licensed Agent
Should you consider a broker or a sales agent, make sure that they come from a trustworthy company. A good and reliable company should have good feedback from previous customers. Upon understanding the risks associated with your company, licensed commercial brokers and sales agent can help you find policies that match your business needs.
Louise Collins writes articles on different types of business insurance. If you are looking for insurance for your fleet business why not
for a company who can provide your company with quotes for your motor fleet vehicles.
Wednesday, November 4, 2015
The Volkswagen emissions scandal continued yesterday with the company announcing 800,000 mainly diesel vehicles may also be affected by carbon dioxide emissions problems.
The company stated “the safety of the vehicles is in no way compromised”. They estimated potentially this could cost them €2bn on top of the €6.7bn set aside to pay for the cost of correcting 11 million cars affected when the scandal broke, in addition to fines by regulators.
This follows Monday’s revelation that the emissions scandal has affected up to 10,000 vehicles sold in the USA by brands in the Volkswagen group, although the company refutes the allegation. The United States Environmental Protection Agency (EPA), the regulatory body which has been investigating Volkswagen, claims the company fitted a number of recent Audi, Porsche, and Volkswagen models with technology that initiates secret components during emission tests to ensure the results are favourable.
The scandal began with damaging revelations that the car manufacturer has been using illegal software to enable diesel cars to cheat on mandatory emissions tests. This lead to a public apology on September 20 by then-chief executive Martin Winterkorn and the promise of an outside inquiry. He then resigned on September 23, and was replaced by Matthias Müller. The new allegation about Porsche is of particular concern for Müller, because he had previously been in charge of Porsche.
The company is expected to foot the bill for the recall of close to 500,000 VW and Audi cars affected at the time. There is also the possibility of Volkswagen having to pay federal fines of up to US$18 billion dollars because the US Clean Air Act sets a maximum fine of US$37,500 for each vehicle that contravenes the requirements of the Act.
An investigation into alleged breaches of environmental law was originally initiated on the advice of the International Council on Clean Transportation, a European non-governmental organisation. The EPA requested tests be carried out by West Virginia University, where the secret software was discovered.
The software, known as a “defeat device”, enabled cars to identify when they were being tested and to switch on the emission control system. The devices may have been adding urea to the car exhaust because that would reduce the amount of nitrogen dioxide. The car would release a fraction of the nitrogen oxide compared to when they were being driven normally. Emissions of nitrogen oxide contribute to smog and are thought to have caused a rise in respiratory illnesses like asthma.
Thursday, March 5, 2009
US stock markets dropped to twelve-year lows on Thursday, amidst falling confidence in the financial sector and worries over whether the US automobile manufacturer General Motors will be able to keep operating.
The Dow Jones Industrial Average dropped by 4.08%, or 280.52 points, at the closing bell, reaching a level of 6595.32, a new 12-year low. The Nasdaq Composite lost 54.15 points, or 4%, to 1299.59, while the Standard & Poor’s 500 plunged by 30.27 points, or 4.25%, closing at 682.60.
Every stock in the Dow Jones, other than Wal-Mart, either lost ground or remained even, and all stocks in the S&P 500 index lost ground.
General Motors’ shares lost 15.5% after the auto firm announced that its auditors had “substantial doubt” over whether it would be able to keep operating.
Shares of financial companies were lower by nine percent, with Bank of America losing 11.7% and Citigroup falling by 9.7%.
“What’s most worrisome is that we haven’t hit the crescendo yet,” said Bill Groeneveld, the head trader for vFinance Investments. “Asset-management divisions are getting calls to just liquidate everything, and we haven’t seen the big players come back in at all.”
“This is one of the worst bear markets in the last 100 years; it started out with the credit crisis and the subprime [loans], but it is like a forest fire that has raced across the clearing and ignited other parts: Autos, auto parts, the insurance companies have been hit very hard. The credit crisis is causing an unraveling of industry after industry because the banks don’t lend,” said David Dreman, the chief investment officer of Dreman Value Management.
European markets were also lower today, with the London’s FTSE index losing 3.2% and the DAX index of Germany falling by five percent.
Saturday, August 25, 2007
The leading supplier of school uniforms in the United Kingdom, Lancashire-based manufacturer Trutex, has announced it is “seriously considering” including GPS tracking devices in future ranges of its uniform products after conducting an online survey of both parents and children.
“As a direct result of the survey, we are now seriously considering incorporating a [tracking] device into future ranges” said Trutex marketing director Clare Rix.
The survey questioned 809 parents and 444 children aged nine to 16. It showed that 44% of parents were worried about the safety of pre-teen children, and 59% wanted tracking devices installed in school apparel. 39% of children aged nine to 12 were prepared to wear clothing with tracking devices in them, while teenagers were notably less enthusiastic and more wary of what Trutex has admitted they see as a “big brother” concept.
However, Trutex has claimed the tracking devices would bring about worthwhile benefits, including being a valuable resource for parents who wanted to keep a close eye on where their children were at all times.
“As well as being a safety net for parents, there could be real benefits for schools who could keep a closer track on the whereabouts of their pupils, potentially reducing truancy levels” says Rix.
Each year, Trutex supplies 1 million blouses, 1.1 million shirts, 250,000 pairs of trousers, 20,000 blazers, 60,000 skirts and 110,000 pieces of knitwear to the UK.
It is not the first company to manufacture school uniforms with a central focus on child safety; last week Essex firm BladeRunner revealed it was selling stab-proof school blazers to parents concerned about violence against their children. The blazers were outfitted with Kevlar, a synthetic fibre used in body armour. It has already received orders internationally, including Australia.
If the Trutex tracking devices go ahead, it is unclear where in the uniform they will be located.
Simple things to ensure when you buy cushions online India
Believe it or not, cushions and pillows are the simplest way to update the look and feel of any room. They are inexpensive, available in a large variety and can do much when chosen correctly. They can lighten up a space, bridge together different furniture pieces with minimal effort and can make even old furniture more comfortable. When you buy cushions online India, you will notice that these come in so many sizes, colours, shapes and even textures and that means they are the perfect design components to change your decor from time to time, without having to change expensive furniture or even buy new curtains or rugs.
With cushions and pillows, it becomes very easy to infuse style and colour in to any space. For those who have wooden couches with cushions in neutral shades, simple throw pillows with elaborate patterns and different sizes will easily bring in some colour and character. Ask any interior designer and they will tell you that the best way to choose cushions for wooden sofa for an updated look is to contrast colours, shapes and sizes. If your sofa has rectangular plain back cushions, bring in a new dimension with round and square cushions and pillows, chosen in fancy shiny fabrics. And the use of pillows and cushions isn t just limited to your living room; they can easily update the look of any accent chairs used in hallways, your bed, your study and even the kitchen if there are cane chairs put there for morning tea.
Fact is; the addition of cushions and pillows will impact the overall look of any bed, sofa or chair in seconds. However, when you buy cushions online, keep an open mind. Not all of us know what we want when we start browsing through the many available cushion covers and accent pillows, but the easiest way to make a great purchase is to take inspiration from the many colours and textures in the room. There are two ways to effortlessly bring style in to a room s decor One; you can choose cushions and pillows that are the same colour as the existing accent colours in curtains, rugs or furniture, and Two; you can choose to bring in balance with contrasting colours or by altering the texture and material of the cushion covers you use. With monotonous colour schemes where the neutral shades help to make a small room look visibly larger, the best idea to soften the look will be choosing light playful cushions and pillows that bring in some colour and pattern. However, in large busy rooms where a lot of colours are already used to make the place livelier, a sense of balance can easily be achieved if you buy cushions online in a neutral shade. However, pick those with embossed prints or shaggy cushions that are larger than the furniture cushions so that they can draw attention to themselves. Pillows and cushions can either turn up the style and vibrancy quotient of a room or turn it a notch lower with ease.
When you have
wooden couches with cushions
you choose can do a lot for the space. Carefully chosen cushions in different sizes, textures and prints can add new dimensions to your decor effortlessly.
Friday, February 8, 2008
The Nebraska Supreme Court has banned the use of the electric chair in the execution of murderers. The court found that the application violated the Nebraska constitution’s prohibition against cruel and unusual punishment. Since July 2002, Nebraska has been the only state in the United States to use electrocution as its only executional method.
The case developed from death sentence of Raymond Mata Jr., who was convicted in the murder of three-year-old Adam Gomez. Mata’s sentence was upheld by the court but stayed it stating that when petitioning for a date, the state should establish that it has a “constitutionally acceptable method of carrying out Mata’s sentence.” With this ban, no states retain electrocution as their primary means of execution; many other states retain it as an option if their primary methods are declared illegal or the condemned chooses them.
Monday, May 26, 2008
The 27th Young Designers’ Exhibition 2008, recognized by the International Council of Societies of Industrial Design (ICSID) as the largest show of student creations, recently ended Sunday May 18. It was held at the Taipei World Trade Center. Improvements and expansions were seen with 107 academical and industrial units. Different design competitions participated and showcased their products and also received awards.
It’s no doubt that companies related to design and cultural industries want to discover creative talents from academical units in this exhibition. However, most companies still try to showcase different conceptional and applicative products in order to promote Taiwan’s designs into the world market. A typical example is Fora Series, a photo-voltaic product series by the Tsann Kuen Trans-nation Group.
Before entering into their careers, students participated in this show and showcased varied styles that differ from the usual industrial businesspeople. To get more opportunities and in order to interact with the design and cultural industries, students also participated in vast competitions and tried to get the top places. Some students also tried to design conceptional products in conjunction with industrial designs, especially in some design competitions.
In summary, not only did the 2008 YODEX, have companies which can discover talents and showcase achievements of industrial design in the exhibition, but students can make their stages to showcase excellences from their creations in several competitions related to YODEX.
Roland MDX-540 design machine, often used in industrial design.Image: Rico Shen.
“EasTea / WesTea”, Gold Award winner from “2008 Wow Taiwan Design Award”.Image: Rico Shen.
“Rely On” the chair, designed by National Cheng-kung University, won the Gold Award in the product design of “2008 the 8th-annual Young Designers’ Competition”.Image: Rico Shen.
“Play”, a conceptional motorcycle by Suzuki.Image: Rico Shen.
Fora “Catch”, an energy-saving product applied with photovoltaic.Image: Rico Shen.
Not only “The 2011 IDA Congress”, the TDC also set up a conceptional sculpture to promote “The 2009 Taipei Cow Parade”.Image: Rico Shen.
Kun-shan University of Technology won “2008 the 8th-annual YODEX Interior Design Competition” with main theme “Beyond Reality”.Image: Rico Shen.
Chang-jung University participated in this exhibition with “Bamboo” theme.Image: Rico Shen.
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Warning! Don t Buy Samsung HT-C5500 Until You Read This
M K Tan
With Samsung HT-C5500, home theatre will never be the same again. You will find Blu Ray capabilities, multimedia sharing, Internet@TV and a vast span of cutting edge capabilities all pack into this compact little system.
To get the best effect from your Full 1080p TV, you must have a blu ray like Samsung HT-C5500. With full 5.1 channel sound and a package of five speakers along with a strong subwoofer what’s more the capability to support DTS-HD Master Audio and Dolby TrueHD formats, Samsung HT-C5500 impressively delivers immersive and accurate audio, offering you top notch cinematic experience. The Crystal Amplifier further intelligently remove annoying distortion, delivering polished and clear sounds.
Get professional help built into Samsung HT-C5500 Auto Calibration which automatically configures sound setting for the room and that means you are guaranteed the best viewer experience.
There is no more meddling with the remote because of volume changes between programme and tv commercials and between action scenes and dialogue in the show. Samsung HT-C5500 Smart Volume Technology balance out the volume so you can enjoy your favourite shows, movies and sports in even more comfort.
For even better cinematic experience, the Screen Fit feature automatically converts 21:9 aspect ratio movies to 16:9 aspect, removing black bands crowding the scenes at the same time offering you more view of the film.
Its Ultra Fast Play functionality were specifically engineered to get rid of those frustrating boot times so you can get into the entertainment right away after inserting your disc into the Blu ray or DVD player.
Samsung HT-C5500 All Share takes all the attempt out of enjoying your photos, home videos and MP3 music, by letting you transfer from your PC, laptop or Samsung mobile device wirelessly and effortlessly.
In addition, Samsung HT-C5500 provides a docking cradle for your ipod and iphone so you can enjoy your favourite music and videos and share them with friends and family; all easily managed via the home cinema remote, without needing to leave your couch.
As well as Blu ray discs, Samsung HT-C5500 also plays all standard DVDs and even upscaling them to near full HD 1080p quality.
What you will find in the box
Samsung HT-C5500 Blu-ray 5.1 home theatre system
IPod dock (iPhone compatible)
Remote control with batteries
Let s Take a Look at All the Features of Samsung HT-C5500
Full 1080P high definition Blu-ray player with 5.1 surround sound speakers
Dolby True HD and DTS HD Master Audio
Smart Volume Technology
Wireless Rear Speaker Ready
WiFi ready (dongle required)
All-Share (DLNA powered)
Ultra Fast Play
Anynet + one remote control for managing a multitude of devices
Enjoy internet content on your TV or connect your iPod via included dock
Wireless connectivity with Wireless LAN Adaptor (not included)
Enjoy more movie fun with BD live (Profile 2.0)
Bonusview allows multi screen view while the main movie is playing
Full screen fit
Is Samsung HT-C5500 For You?Should You Get Samsung HT-C5500?
Samsung HT-C5500 is designed for anybody who values genuine cinematic experience nearly as much as aesthetics. It looks elegant and very fantastic when connected up.
Acoustic wise, the low and heavy bass is a great sound for action films plus it deals properly with the more subtle and nuanced sound necessary for music DVDs. The surround sound is truly immersive.
With 2 HDMI inputs, you can hook up your XBOX, PS3, Virgin or SKY HD box through it and get the luxury of full HD surround sound for them too!
With its wifi and All Share capability, TV, Internet and mobile phone entertainment can all be streamed through Samsung HT-C5500, taking the effort out of keeping connected.
Setting it up is straightforward and even individuals who are not technical can get it up and working without difficulty.
Here is what a current owner of Samsung HT-C5500 says
I needed a new home theatre system which I can hook up both my PS3 and Sky box because my current one only had a single optical connection.
I had wanted AV receivers, but found out that Samsung offered a blu ray player, ipod dock plus it had the number of inputs that I required. With what I could get it for from Amazon, I could not have not gotten it.
The system delivered a clear, controlled sound with enough bass for action movies such as Iron Man 2 whilst still offering excellent dialog reproduction from standard TV etc. The quality of sound from Samsung HT-C5500 is additionally obviously better than my old system.
It is also very pleasing aesthetically, which is really a benefit because you usually get ugly looking and large speakers and subs with home theatre systems. So in summary an incredibly amazing system, and I can’t see any competition that is better value for the money.
Review paraphrase for size
Start your search for top-notch home entertainment systems at
Home Cinema Systems Review
where real users and experts speak.If you are looking for
, find out more through the link.
Tuesday, October 28, 2008
Acting teacher and director Milton Katselas died Friday at age 75, after suffering from heart failure at Cedars-Sinai Medical Center in Los Angeles, California. He began the Beverly Hills Playhouse in 1978 and taught acting classes there to noted actors including George Clooney and Gene Hackman. Katselas is survived by a sister and two brothers.
Katselas directed an off-Broadway production of Edward Albee’s The Zoo Story, and received a Tony Award nomination for his 1969 direction of Butterflies are Free. Actress Blythe Danner won a Tony Award for her role in Butterflies are Free under Katselas’ direction. He moved to California to direct the film version of that play, and went on to direct films and television movies. Actress Eileen Heckart received an Academy Award for her role in the film version of Butterflies are Free.
Katselas directed the San Francisco and Los Angeles productions of the play P.S. Your Cat Is Dead! by playwright James Kirkwood, Jr. In his author’s notes in the publication of the script, Kirkwood acknowledged Katselas, and wrote that the plays were “directed with incredible energy and enthusiasm by Milton Katselas, to whom I am extremely indebted”.
Katselas directed the television movie Strangers: Story of a Mother and Daughter, and actress Bette Davis received an Emmy Award for her role in the movie. Katselas taught many famous actors including Michelle Pfeiffer, Richard Gere, Robert Duvall, Jack Lemmon, Al Pacino, Goldie Hawn, Christopher Walken, Burt Reynolds, George C. Scott, Elizabeth Taylor, Richard Burton, Alec Baldwin, and Patrick Swayze. Katselas was credited with being able to nurture actors with raw talent so that they could develop strong Hollywood careers. He utilized innovative techniques in his courses – one course called “Terrorist Theatre” had a simple premise: successfully get an acting role within six weeks or leave the course.
He grew up in Pittsburgh, Pennsylvania to parents who had immigrated from Greece, and graduated from Carnegie Mellon. He studied acting with Lee Strasberg in New York at the Actors Studio, and received advice from directors Joshua Logan and Elia Kazan.
Katselas was a prominent Scientologist, and a July 2007 profile on Katselas in The New York Times Magazine observed that some of his students stopped taking courses at the Beverly Hills Playhouse because they felt they had been pressured to join the Church of Scientology. According to the article, Katselas credited Scientology founder L. Ron Hubbard “for much of his success in life”, and one of his students works at Scientology’s Celebrity Centre. The article commented that some in Los Angeles view the Beverly Hills Playhouse as “a recruitment center for Scientology”.
Katselas met L. Ron Hubbard after moving to California, and began studying Scientology in 1965. The New York Times Magazine reported that he had reached the level of “Operating Thetan, Level 5, or O.T. V.” in 2007. According to The New York Times Magazine when Scientologists proceed up the “The Bridge to Total Freedom” they learn the story of Xenu, and that: “75 million years ago the evil alien Xenu solved galactic overpopulation by dumping 13.5 trillion beings in volcanoes on Earth, where they were vaporized, scattering their souls.” A Church of Scientology publication, Source, lists Katselas as reaching O.T. V. in 1989.
Though some actors felt pressured to join the Church of Scientology after taking courses at the Beverly Hills Playhouse, at least one individual felt Katselas was not active enough with the organization. Actress Jenna Elfman left the Beverly Hills Playhouse because she felt Katselas was not committed enough to Scientology. Katselas had previously directed Elfman in half of Visions and Lovers: Variations on a Theme, two one-act plays about relationships that he had written himself. In 1999 Katselas had planned to adapt the script of Visions and Lovers to a film version, and Elfman was set to reprise her role from the play. In an article in Variety about the project, Elfman commented on her experience working with Katselas: “He is brilliant, and knows me so well as a person and an actress that he gets the most out of me.”
Other prominent Scientologist actors who have studied under Katselas include Giovanni Ribisi, Jason Lee, and Leah Remini. According to Rolling Stone, Katselas also recruited actress Kelly Preston to Scientology. Actress Nancy Cartwright (the voice of Bart Simpson), told Scientology publication Celebrity that Katselas motivated her to get more active in Scientology, and she stated she took the organization’s “Purification Rundown” and her life “took off completely”.
Anne Archer was introduced to Scientology while studying at the Beverly Hills Playhouse, as was former Scientologist and now outspoken critic actor Jason Beghe. Beghe told Roger Friedman of FOX News in April 2008 that “He [Katselas] gets kickbacks”, and that he was brought to a Scientology center by fellow Beverly Hills Playhouse classmate Bodhi Elfman, Jenna Elfman’s husband. In a 1998 article for Buzz Magazine, Randye Hoder wrote “In his class, Katselas is careful not to label anything as a tenet of Scientology, but there is no question that the church’s influence seeps into the playhouse.”
Anne Archer’s husband and fellow Scientologist, producer Terry Jastrow, commented to The New York Times Magazine that Katselas changed the way he experiences life on a day-to-day basis: “I go out in the world and look at human behavior now. I see a woman or man interacting with a saleslady, and I see the artistry in it. Life is an endless unspooling of art, of acting, of painting, of architecture. And where did I learn that? From Milton.”
Actor Anthony Head of Buffy the Vampire Slayer spoke highly of Katselas in a 2002 interview with San Francisco Chronicle: “He’s this wonderfully intuitive teacher and his premise is basically: The only real barriers are the ones we put in front of ourselves. If you say, ‘My character wouldn’t do that’ — bollocks! Ultimately it’s you who wouldn’t say that. Who knows what your character might do.” In the acknowledgements of her 2004 autobiography Are You Hungry, Dear?: Life, Laughs, and Lasagna, actress Doris Roberts wrote: “I thank my friend and acting teacher, the incredible Milton Katselas, for his insights, wisdom, and inspiration, which have helped make me the actress that I am.”
Katselas authored two books: Dreams Into Action: Getting What You Want, first published in 1996 by Dove Books, and Acting Class: Take a Seat, which came out earlier this month. Dreams Into Action, a New York Times Bestseller, sought to modify motivational acting exercises to the field of business.
In an interview in the 2007 book Acting Teachers of America, Katselas commented on his experiences as an acting teacher over the years: “I have very special teachers here at the Beverly Hills Playhouse—some have been with me for over twenty-five years. I believe that to make a difference over the long haul, we need to train teachers. I really care about the craft of acting. It’s absolutely necessary to take the time and patience to really develop an actor.”