 With all the fun fall activities, you may be tempted to put off your home maintenance chores. But winter will be here before you know it, so take some time to tackle any needed maintenance before the weather gets too cold.
This handy checklist will help you take proactive measures to prevent damage from any winter storms that may pass through.  When dealing with the frigid temperatures of winter, there’s not much worse than coming out to your car to find the doors frozen shut. According to Lifehacker, car doors can freeze because water from rain or snow gets into the rubber seal, or gasket, around the door and then freezes when the temperatures drop. Fortunately, using nothing but ordinary household cooking spray, there may be a simple trick to get out of that situation.
Apply the spray to the door’s rubber seal weekly during the coldest winter months, or as needed before expected icy, frigid storms.  As we gather around our tables this holiday season, America’s farmers and ranchers have good reason to be thankful and to hope. Thanksgiving began on the farm, and I can’t think of a more fitting place for the roots of hope and gratitude to take hold. Yes, we have faced—and continue to face—hard times, but we don’t reserve gratitude only for the easy times.
 Fraud takes many shapes and forms, among them corporate fraud, consumer fraud, tax fraud, identity theft, and many others. According to ACFE (Association of Certified Fraud Examiners), organizations worldwide lose an estimated 5 percent of their annual revenues to fraud, costing the world $3.7 trillion each year.
International Fraud Awareness Week is a global movement to minimize the impact of fraud through awareness and education.  Happy National Co-op Month! Cooperatives bring a variety of resources and services to consumers. From agriculture, utilities, finance and more, these organizations play an important role across the United States. Not only do they expand options to consumers, but they bring increase economic resources for rural communities too.
It's no secret that many companies rely heavily on consumer-generated data to inform many activities, from product development and strategic planning to targeted marketing campaigns. When the information is used effectively, however, it is the consumer who may ultimately benefit, as it can enable companies to enhance the customer experience and provide innovative products and services. But how willing are consumers to provide their information, and what concerns do they have about sharing and protecting it?   Not every trip needs to be insured; however, if the cost, risk of illness, or potential for interruption has you feeling cautious, then trip insurance may be a wise investment. Asking yourself the following questions may help you decide:
When considering a plan, take inventory of the components of your trip. Pre-paid vacation home rentals, car rentals, and event tickets are unique items to insure, yet they can be costly if forfeited due to an unexpected circumstance. If these costs are added to the total pre-paid price of the trip, a comprehensive travel insurance plan could protect you if your trip should be canceled or interrupted.  Malicious software, also known as malware is a term that can be used for various viruses, spyware, worms and programs that attack your device or computer. The goal of malware is to target and retrieve protected data, remove confidential documents or add software without user consent or knowledge. Software is identified as malware based on its intended use, rather than a particular technique or technology used to build it.
A computer virus is a malicious software which self-replicates and attaches itself to other files/programs. It has the capability of executing secretly when the host program/file is activated. The different types of Computer virus are Memory-Resident Virus, Program File Virus, Boot Sector Virus, Stealth Virus, Macro Virus, and Email Virus.  With the number of data breaches increasing every year, it’s not a question of if your business will suffer a breach, but when. The threat affects companies of all sizes and in every industry, including manufacturers.
In fact, manufacturers are one of the most susceptible to cyber threats. According to a Kaspersky Labs report, manufacturers’ computers accounted for about one-third of all attacks as sophisticated attackers are after intellectual property.  Businesses frequently enter into contracts with suppliers, vendors, independent contractors, landlord/tenants, and other service providers.
In those contracts it is common to find language which transfers the liability of one party to the other in the event that bodily injury, property damage (tangible and intangible) and other liabilities arise out of the contractual relationship. The liability may involve both insurable and non-insurable liabilities upon the contracting parties. The contracting parties, and their supporting legal and risk advisors should review in detail the contractual language and what liabilities may be assumed due to the contract. Contractual Risk Transfer is one of the five traditional risk management techniques within a business. |
