Is your business protected by insurance? - Vanguard

BY CYNTHIA MGBEOKWERE

As a business owner, you can?t personally control or eliminate every potential risk that threatens your livelihood. Business insurance can provide the protection against the risks of your business.

Unfortunately, insuring your business is not as simple as insuring your car. Because your business is unique, you?ll need to design a package of insurance that meets your business needs and provides the level of protection you are comfortable with. Your first decision is to decide which types of insurance your business needs.

What is business insurance?
Business Insurance, according to experts, is an extensive name for different coverage available to the business owner to protect against losses and to insure the long-lasting operation of the business.

Business insurance, they say, spreads and manages the risk among many business owners. Insurance companies take in premium payments from several covered businesses, invest those payments, and create a pool of money to pay out to a covered business if that business has a covered loss.

When you talk about business Insurance, many individual,organizations and business owner are reluctant about it. Majority of these business owners view insurance as unnecessary expenses. Business insurance is very important to a business owner. Therefore to protect a business from risks one needs an insurance cover.

According to the experts, the two reasons why every business needs insurance cover are:

1. Company Liability and Disaster:
As many organization and business owners regard business insurance as additional expense yet, is very important. When planing for the company?s monthly and annual budget, you have to budget for business insurance, as you don?t know the kind of problem or catastrophe that might strike your business or the natural disaster that will strike your business location which may lead to the collapse of your business. But with the help business insurance, you are assured that no matter what sort of calamity that be falls your business, you are covered with insurance.

Some of this natural disaster are: earthquake, hurricane. Sometime the business may close up due to the expensive loss, so no matter the size of your business make sure you get business interruption insurance. In some situation the company is held liable for any accident that happen in your place of business, it may be that a customer slips and fall inside your store/office, which might bring trouble to the business especially when the case moves to court, so it will be cool if you get business liability insurance to cover such accident.

2.Litigation and Thieves:
With no doubt companies and business are mainly target of thieves as some of the business equipment can be stolen and resold, so getting replacement insurance for your business it the best idea. In some business that are undergoing their equipment upgrades and may be building renovation are always a target of criminals and ill minded individuals but with the help of insurance, (replacement insurance) you will be remunerated for any loss as a result of theft.

And in some situation were your business is undergoing litigation problem which will give the owner the courage and peace of mind that his business is protected by business liability insurance, professional liability insurance and malpractice insurance. As a business owner you should be prepared as you will not know when someone will sue you. and in situation where you lose you may be ask to pay more than your business capacity. So the best tips to getting ready is to be insured with good and quality insurance company and always work with a good insurance broker

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Source: http://www.vanguardngr.com/2013/04/is-your-business-protected-by-insurance/

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NIST tests in New York City suggest how to improve emergency ...

Radio communications can be unreliable in underground tunnels and other large, complicated structures, posing a safety hazard for emergency responders. New tests of wireless emergency safety equipment by the National Institute of Standards and Technology (NIST) have defined the challenges more precisely and suggest how emergency communications might be improved.

In a series of experiments conducted in New York City, an epicenter of underground tunnels and high-rise buildings, NIST researchers measured path loss, or reduced signal strength, which can occur when signals must travel through thick walls and dense material. NIST researchers also found that wireless emergency beacons could be unreliable beyond the street-level stairwell entrance to a four-level subway station, and that signal strength depended on the frequency used in the 100-story Empire State Building. The findings are detailed in a new report.*

"The systems we tested generally operated successfully as long as path loss did not exceed the threshold specified in standards just adopted in November," project leader Kate Remley says.** "But the path losses we measured throughout these structures were generally much higher than the threshold. This means that repeaters or other technology to rebroadcast signals should be used in these and other similar environments, and standards must be extended to these higher-loss cases."

The study is part of an ongoing NIST project, launched in 2008, supporting the development of performance metrics and laboratory tests for electronic safety equipment with two-way radio-frequency (RF) transmission capabilities. The New York tests focused on RF-based personal alert safety systems (RF-PASS), used by firefighters as distress beacons, but the test methods and path-loss results are applicable to other wireless devices such as handheld radios.

NIST researchers visited New York City in 2012 to evaluate emergency radio transmissions in challenging settings such as high-rise buildings and underground tunnels. NIST's Kate Remley and Galen Koepke setting up a base station outside the Empire State Building.

(Photo Credit: NIST)

NIST tested four commercial RF-PASS systems operating in three frequency bands: 450 megahertz (MHz), 902 to 928 MHz, and 2.4 gigahertz. Researchers measured whether a firefighter-down signal was received by a base station outside the subway or building, and whether a portable RF-PASS unit inside the structure received an evacuation signal from the base station, within 30 seconds, given a certain amount of path loss.

In the subway, communication was poor beyond the entrance unless a repeater was located underground on the pay-station floor. In that case signals could be sent between the street level and the first passenger platform, but not to or from the second passenger level farther below, suggesting the need for a multi-hop repeater relay system. In the Empire State Building, NIST researchers found that path losses increased with RF-PASS operating frequency, and that only one of four systems tested communicated successfully without repeaters over most of the building test locations.

NIST researchers visited New York City in 2012 to evaluate emergency radio transmissions in challenging settings such as high-rise buildings and underground tunnels. George Grammas (on left) of the Fire Department of New York, and NIST's Galen Koepke, Dennis Camell, and Bill Young, at the command post outside the West 4th Street subway station.

(Photo Credit: NIST)

Source: http://www.sciencecodex.com/nist_tests_in_new_york_city_suggest_how_to_improve_emergency_radio_communications-110643

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Changing face of Minneapolis is evident in caucus attendance (Star Tribune)

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News Summary: Retailers lead stock indexes higher

RETAIL POWER: Rite Aid, Ross Stores and other retailers surged Thursday after turning in better sales, leading major stock market indexes higher. The discount chain Ross Stores jumped 6 percent, the best gain in the Standard & Poor's 500 index.

UNPLUGGED: Makers of computer hardware and software sank following a report that first-quarter shipments of PCs dropped 14 percent worldwide over the past year. Hewlett-Packard lost 6 percent and Microsoft lost 4 percent.

FINAL SCORE: The Dow Jones industrial average gained 62.90 points to 14,865.14, up 0.4 percent. The S&P 500 rose 5.64 points, also 0.4 percent, to 1,593.37.

Source: http://news.yahoo.com/news-summary-retailers-lead-stock-210752126.html

Zero Dark Thirty

Actors, others gather at Chicago service for Ebert

CHICAGO (AP) ? Hollywood came to Chicago on Thursday as actors, directors, film critics and studio presidents honored late movie reviewer Roger Ebert in his hometown.

All of those who shared memories at the Chicago Theatre cheered Ebert as a champion of movies and a critic who used his influence to help filmmakers find audiences. He died April 4 at age 70 after a years-long battle with cancer.

Ebert worked at the Chicago Sun-Times for more than 40 years. The day before his death, he wrote in a post on his blog that he was taking a break from his schedule of almost-daily movie reviewing because the cancer had recurred.

He won national fame when he teamed with fellow film critic Gene Siskel of the Chicago Tribune in 1975 for a television show that had them each give a thumbs-up or thumbs-down rating to the latest releases.

Actors and Chicago natives John and Joan Cusack, who appeared together at Thursday's memorial called "Roger Ebert: A Celebration of Life," remembered Ebert as one of the city's icons. John Cusack said he and his sister, Joan, would watch Ebert and Siskel growing up.

"He was always supportive of artists. He always gave you a fair shake," John Cusack said. "Chicago's lost a great icon but he'll always be with us."

Joan Cusack read a letter from President Barack Obama and first lady Michelle Obama. The Obamas remembered Ebert as a "cultural leader."

Earlier, Todd McCarthy, film critic for publications like Variety, said a key to Ebert's success was that he was "a populist without prejudice."

"He was neither high-brow nor low-brow," McCarthy said. "In the world of film criticism for 46 years there was Roger Ebert and then there was the rest of us."

Ebert continued the movie review TV show with Sun-Times colleague Richard Roeper after Siskel's death in 1999.

"I felt that as long as Roger was alive a little bit of Gene was, too," said Siskel's widow, Marlene Iglitzen Siskel, at the memorial. She said Ebert had an "unsurpassed body of work."

Ebert's widow, Chaz Ebert, also was to speak at the memorial. A choir opened the gathering by singing, "Roger Ebert, we will always love you."

The historic theater was a fitting place for the event. Ebert screened movies there for many years. And in 2005, the city unveiled a sidewalk medallion under the ornate marquee of the theater as a tribute to Ebert.

Next week, Ebert will be honored at Ebertfest, his annual film festival in Champaign.

He earned respect for championing small independent movies that he scouted out at film festivals while at the same time taking Hollywood's biggest names to task when they missed the mark.

Ebert was the first journalist to win the Pulitzer Prize for movie criticism and was the first critic to have a star on the Hollywood Walk of Fame.

___

Online: http://www.rogerebert.com

___

Follow Caryn Rousseau on Twitter at http://www.twitter.com/carynrousseau .

Source: http://news.yahoo.com/actors-others-gather-chicago-ebert-004039277.html

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To Chase Dropbox's Design Prowess, Google Drive Improves Its Layout For Shared Folders

For a service that provides file hosting, there are only so many ways to make it appealing to as many users as possible. There are integrations with other apps, seamless desktop and mobile experiences and, well, design. Dropbox has been the leader in that arena, providing an extremely clean and simple interface for its users. Its light blue and white design is a signature of the company, and Google Drive is clearly taking notice. Today, the team announced a bit of a visual refresh for shared folders, which was an absolutely ugly experience before today. In addition, you’ll be able to add shared items to your drive with a simple click: Over the next week, users who are invited to open a shared folder will notice a much improved visual layout of the folder?s contents. You can even click on an item to preview and flip between the content. Want to keep the shared folder? Use the ?Add to Drive? button on the top right to store it directly in your Drive for fast access across all devices. Here’s what it will look like once you get it: Drive, which was born of Google’s suite of services like Spreadsheet and Docs, has become one unified service to store all of your files. Sounds a lot like Dropbox’s offerings, except Dropbox doesn’t have the editing capabilities that Drive has. It’s a huge advantage. The other advantage is all of the mainstream at-home consumers that Google has access to, something that Dropbox hasn’t found its way to, as we pointed out in its Yahoo! partnership announcement this morning. If you’re familiar with Dropbox, here’s the light and breezy layout that you’ve grown accustomed to: Box wants to store all of the world’s enterprise files, which is also competitive with Google’s Business App version of Drive. Both Dropbox and Box have advantages, though, as they can find their way into other products, spreading their seeds into the work and life flows of people that Google can’t.. Amazon has gotten into the fray, too, hoping to be the chosen destination for everyone’s files. It’s one thing for Google to own search, email and video, but when you toss everyone’s personal and work files into the mix, that’s something that gets the competitive juices flowing. Its choice to start integrating and consumerizing all of its offerings was a smart one, spearheaded by CEO Larry Page.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/rzMo21NkWYE/

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Signed Iconic Beatles Album Auctioned for $290,500

Beatles

A copy of The Beatles' "Sgt. Pepper's Lonely Hearts Club Band" album autographed by all four band members has shattered expectations at auction.

The iconic album was sold Saturday for $290,500 by Heritage Auctions in Dallas. It had been listed at $30,000 before the sale. The winning bidder was not identified, but The Associated Press reported the rare item had been sold to a person in the Midwest.

The autographs of the band members were obtained in 1967, the same year the record was issued, according to a letter of authenticity posted on Heritage Auctions' website.

PHOTOS: Expensive Items

Each of the Beatles signed next to his image on the inside spread of the album.

Beatles expert Perry Cox said the piece of memorabilia was "extraordinarily special."

"I consider this to be one of the top two items of Beatles memorabilia I've ever seen - the other being a signed copy of 'Meet the Beatles' [the band's second album released in the U.S.]," he said, according to Heritage Auctions' website.

The album was one of the big draws to Saturday's auctions, which included other entertainment and music memorabilia.

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Source: http://news.yahoo.com/signed-iconic-beatles-album-auctioned-290-500-190305593.html

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