text:
Cryptocurrency Market Crashes – What to do?
Last week of February 2019 was exceptional for crypto business. The optimism filled the investors as the rates kept rising for the whole week. It looked like February would end in a plus until Sunday afternoon. The cryptocurrency rate suddenly fell for an astonishing 10 billion dollars. Zilliqa, Litecoin, and Holochain suffered the largest losses. All other cryptocurrencies significantly lost value as well.
What are the new values after the sudden market descend?
With small fluctuations, the value on the cryptomarket kept increasing for the whole week, all the way up to 142 billion dollars. The sudden decrease at 13.30 GMT last Sunday caused the market value to fall to 130 billion dollars in just about one hour.
Different cryptocurrency websites show different rates but agree in general. Zilliqa (ZIL), Litecoin (LTC) and Holochain (HOT) were hit the most. According to the reports, Zilliqa ended up with 8.5%, Litecoin 7.5%, and Holochain 7.3% decrease. It is reported lesser decrease rates: 5.4% for ZIL, 4.2% for LTC and 4.3% for HOT. EOS and Bitcoin Cash (BCH) closely follow the previous three. Cryptocompare.com reported 3.5% rate drop for EOS and 3.5% for BCH.
Ether and Bitcoin are next in line by their rate drop. With the 3% rate descend, Ether is now worth less than 150 dollars each. Bitcoin price was fluctuating around 4000 dollars for the whole week. When it finally got over 4000 dollars, the decrease made it drop to 3800. Binance Coin (BNB) had one of the less affected rates about 1.5%, as well as the Tron (TRX). The two well-known remittance and settlement cryptocurrencies Stellar Lumens (XLM) and XRP also slid. The rates fell by about 4% for XLM and 3% for XRP.
Why did this happen?
Even though various statistics sources complicate making exact conclusions, they all agree that the cryptocurrency rate has fallen. In the same time last week, the cryptomarket was worth about 120 billion dollars. Sunday's sudden decrease could return cryptomarket all the way to that value because it has abolished the increasing rates from last week.
Similar cryptomarket decrease happened in November 2018 but it had clear reasons. The traders remember BCH hard fork and two ICO projects SEC had requested to compensate the traders. Because in February 2019 there were no such events, there wasn't any explanation why the rates fluctuate this much. Traders believe that the crypto winter has ended and that the market is on the edge of a new phase.
Recently, bots have been causing more and more market activity. Although this is a well-known practice, algos could also be used for wash trading.
Wash trading is when someone uses algos to deliberately boost cryptocurrency volumes and prices. The algos stop their activity when cryptocurrencies reach a specific value. This causes a sudden market crash like this one on Sunday. Knowing that cryptocurrencies increased in value last week and then unexpectedly crashed for no reason, to some investors this seems to mark the finishing phase of a wash trading process.
For the latest cryptocurrency news, join our Telegram!
Disclaimer: This article should not be taken as, and is not intended to provide, investment advice. Global Coin Report and/or its affiliates, employees, writers, and subcontractors are cryptocurrency investors and from time to time may or may not have holdings in some of the coins or tokens they cover. Please conduct your own thorough research before investing in any cryptocurrency and read our full disclaimer.
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How Can Foreigners Get Loans in Singapore
Foreigners who are residing in Singapore and looking for financing could do so in the form of a payday loan. It is good to find out that you can borrow the money from a reputable lender and that the interest rates are low enough for it to be a viable option. Online lenders that specialize in doing business in the country can certainly help one. These online companies are not only reliable, but their service is fast.
At the same time, many cannot afford a high standard of living. Many individuals cannot afford essentials, such as a car or a house. It can be difficult for the majority of the working class to scrape through on their basic salary.
What defines a foreigner in Singapore?
A foreigner in Singapore means that you are not a permanent or natural citizen there. As a foreigner, you will not be holding a Singaporean passport. The rules can differ a little for foreigners and residents. Singapore, being a multinational hub, houses many foreigners within the city. Foreigners come to Singapore for the many attractions it offers. Many people come to Singapore for Work-related purposes. A lot many also come for vacations or to visit a friend or a relative. Some foreigners come with a plan to move to Singapore permanently, attracted by their lavish lifestyle. Singapore also houses many International students attending many esteemed Singaporean Universities.
Aluna.Social is a Compelling Social Platform for Crypto Traders and Investors
When one thinks about the social media landscape, the companies that first come to mind are most likely Facebook, Instagram, LinkedIn, and Snapchat. These platforms are a great way to stay connected with friends, families, and colleagues, especially when geographic distance is a factor. But, in addition to just chatting about life in general and sharing pictures, social media can be used to bridge the information gap that exists within the investment community.
Over the last decade, many trading offices have been established in large cities all over the world which allow solo traders and investors to pay a monthly fee in exchange for a workspace. The real benefit to trading in these offices is to participate in the free flow of trading ideas and information. Proprietary trading is one of the most challenging careers to be successful at and the exchange of ideas is almost required in order to succeed. Traders at hedge funds and investment banks work in teams so why shouldn't remote traders?
While these trading offices are a great way to help bridge the information gap, Aluna.Social may provide an even better way, especially as it relates to cryptocurrency trading.
Mission Statement
Aluna.Social, founded by Alvin Lee and Henrique Matias, is a multi-exchange social trading terminal for crypto traders and investors. The goal of the platform is to help newcomers shorten their learning curve, unlock their full potential, and improve trading performance. Cryptocurrency trading can…
CoinFlip Scores Big with BRD Wallet Partnership
As the crypto markets move closer to mass adoption, one of the keys for future success will revolve around attracting as many market participants as possible. While many crypto users are extremely tech oriented, a lot of those on the sidelines are not. The cause of waiting on the sidelines could be due to a variety of reasons such as fear of the unknown, lack of knowledge, age, or a combination of all of the above. In order to entice new users to join the crypto revolution, crypto ATMs are rising up across the country. Of those, the largest and most influential crypto ATM company by a significant margin is CoinFlip.
In early October, CoinFlip announced on its Twitter that it had officially partnered with BRD Wallet to re-introduce their crypto ATM map. Now, BRD wallet users will be able to locate their nearest CoinFlip ATM and receive a 10% discount for both buys and sells. BRD brand awareness is growing quickly within the crypto community thanks to its innovative and entrepreneurial spirit. The team strongly believes in the value of financial freedom and independence, and want to empower people across the world by leveraging the possibilities that Bitcoin and other cryptocurrencies provide.
Cryptocurrencies are already making a huge difference around the world. Citizens of Venezuela, a country devastated by rampant inflation, have been using several cryptocurrencies like Bitcoin and Dash, to help protect their assets and hard-earned…
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Certifications: Photoshop
Exam Name: Adobe Acrobat Professional 6.0 Product
Exam Code: 9A0-034
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Culture Trip stands with
Black Lives Matter
One of Istanbul's most important hubs for contemporary art from both local and international artists, Istanbul Modern is an essential experience for art aficionados. It's also handy to know that admission is free every Thursday, so you can spend a whole day gazing at beautiful art without paying a dime.
Meclis-i Mebusan Caddesi Antrepo No.4, Karaköy +90 212 334 73 00
Stunning both for its architecture as well as its library and exhibition spaces, Salt Galata is a cultural institution located in a former Ottoman bank. Inside you'll find a beautiful research library (free), restaurant, café, bookstore, art gallery (free), and the Ottoman Bank Museum (free). You could easily spend the whole day here.
Arap Cami Mahallesi, Bankalar Caddesi No.11, Karaköy +90 212 334 22 00
Art galleries are always free and therefore a great activity for the budget-conscious among us. In Istanbul you'll find a lot of the city's best art galleries right on İstiklal street, including the famous Mısır Apartmanı, a beautiful art-nouveau apartment building that has a different art gallery on every floor, including Galeri Zilberman, Galerist, and Galeri Nev. A little bit further down İstiklal, Arter is another great contemporary art gallery whose exhibitions are always worth a look.
One of Istanbul's most colorful and historic neighborhoods, you can spend a whole day wandering around Balat without spending any money. Gaze at the beautiful Phanar Greek Orthodox College building, light a candle at the Church of St. George, and check out the beautiful St. Stephen Bulgarian Church by the waterside, as well as Balat's many beautiful houses that used to belong to the city's bourgeois Greek Orthodox families.
Quite an off-the-beaten-path sight, the Zeyrek Mosque is a beautiful pale rose-colored structure that used to be the Monastery of the Pantocrator, composed of two former Eastern Orthodox churches and a chapel. The second largest remaining religious edifice built by the Byzantines after Hagia Sophia, Zeyrek was converted into a mosque after the fall of Constantinople.


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26 Jan 4 Reasons Small Businesses Rock
Small businesses face a number of struggles in today's economy. Despite the challenges that small business owners face, there are more than 28.2 million small businesses in the USA today according sba.gov. Conclusion: SOMETHING about the small business formula is working. Here are four reasons why small businesses rock.
Small businesses create jobs.
Believe it or not, 64% of new jobs in the last decade were created by small businesses. What does 64% look like in terms of actual job count for that decade? 11.8 million. Small businesses also account for 44% of the collective payroll of United States citizens.
Small businesses are more innovative.
Over the course of four years, a large business will generate 1.7 patents per 100 employees. Small businesses average 26.5 patents per 100 employees. Small businesses can be credited with some of the greatest inventions of our time, creating everything from the airplane to the zipper.
Small businesses create opportunities.
The US Census Bureau has found that small businesses serve as the path by which women and minorities gain footing in the business world. In the past 20 years, the number of woman- and minority-owned businesses have doubled or even tripled.
Small businesses appeal to a young workforce.
Studies about millennials are showing that this age group would rather work at businesses with 100 or fewer employees. This means that small businesses are gleaning a great deal of young, local talent full of fresh ideas. Since this generation values meaningful work over higher salaries, small businesses have it made with this group.
We love small businesses! In fact, most of our clients are small businesses in the Indianapolis area. To all of the small businesses out there, thank you for doing what you are doing. You may be faced with challenges unique to small businesses, but know that what you are doing is really making a difference on a national scale.
Jason Hutcheson
Latest posts by Jason Hutcheson (see all)
- Meet the Intern: Part 3 - July 30, 2019
- Meet the Intern: Part 2 - July 30, 2019
- Meet The Intern: Part 1 - July 30, 2019


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Guinness World Record names Japanese 112-year-old oldest man alive
- by Virginia Carter
- in World Media
- — Feb 15, 2020
Asked about the secret to longevity, Watanabe has this advice: Don't get angry and keep smiling.
He was born on March 5, 1907, and is the oldest brother to seven siblings.
Kane Tanaka, a 117-year-old Japanese resident of Fukuoka Prefecture, is recognized by Guinness World Records as the world's oldest living person following the death in July 2018 of another Japanese woman, Chiyo Miyako from Kanagawa Prefecture, at 117.
"Watanabe, who lives in a nursing home in Niigata, received an official certificate from Guinness World Records, " the organisation said in a statement.
That's the age of Chitetsu Watanabe, who has just been declared the oldest living man by Guinness World Records.
After graduating from agricultural school, Chitetsu became a staff member of Dai-Nippon Meiji Sugar and moved to Taiwan to help conclude sugar cane plantation contracts there.
"Both Chitetsu and Tetsuo told me that getting to places and sourcing food was a struggle".
Kane Tanaka, who is now the oldest living woman, celebrated her 117th birthday in January.
The previous record holder was Masazo Nonaka.
But Mr Watanabe and his family were tough, too: the Niigata native got back into the agriculture industry, and even after he retired he built a new family home with his son where he farmed all sorts of fruits and vegetables in the garden- until he was 104 years old!
Until about a decade ago, Mr Watanabe used to grow bonsai trees and had a collection of about 100 which he used to exhibit.
During his 18 years in Taiwan, Chitetsu married Mitsue and four out of five of their children were born there. He's also caring. When I was working on my patchwork hobby, he was the one who praised my work the most.
The current title is held by another Japanese man, Jiroemon Kimura, who was 116 years old when he passed away.


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I applaud Bexley and other Ohio communities trying to eliminate the use of plastic carryout bags. I also would like to see the complete elimination of polystyrene, which is used so much for carryout containers and packing material.
The latest figures say 9% to 10% of the plastic manufactured in the USA is recycled. Locally, Rumpke only accepts plastic bottles and jugs for recycling. This doesn't amount to much. The trash picked up weekly at my residence has a lot of plastic in it.
Studies have been done on the decomposition of plastic by microorganisms, but this seems to be pretty slow and inefficient. Research is being done on the chemical breakdown of plastics to yield useful chemical compounds, but is this an economically feasible way to process all of the waste that's out there?.
Attempts are being made to remove and bring back onshore at least some of the huge amount of plastic waste in our oceans, and campaigns are underway to pick up the plastic waste on our beaches. We seem to do a pretty good job of picking up roadside plastic waste. But what is the fate of the waste collected? It mostly ends up in dumps and landfills.
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Use case for Relativity Analytics - Clustering & Categorization
Published September 27, 2013
Relativity Analytics features — including clustering and categorization — allow users to expedite a review by organizing, identifying, and prioritizing documents. This recipe highlights techniques for expediting review using Relativity Analytics, as well as tips for utilizing the Analytics index to identify other hot documents.
Common scenarios
Common scenarios for using clustering and categorization include the following:
- You are working with a large number of documents. This data may not be coded at all, or it may contain documents that were coded with a multiple choice field for issues.
- You have limited time to complete the review.
- You have a limited number of reviewers.
- Relativity 7.0 or above
- Relativity Analytics index
- Workspace access
- Document – Edit
Scenario 1
You have no prior knowledge of the data set. Clustering in Relativity groups conceptually similar documents without the need for example documents or user input.
Perform the following steps:
- Use clustering to automatically organize documents into groups of related data.
- Batch and assign documents to reviewers based on the clusters.
- Bulk review groups of clustered documents.
Once the above operation is complete, you may find clusters of documents that are clearly irrelevant to your case, such as spam emails. Instead of reviewing hundreds or even thousands of junk emails one at a time, reviewers and system admins can eliminate impertinent documents with minimal time, effort, or subject matter expertise.
Scenario 2
You need to find key documents in an opposing production. Relativity's categorization functionality identifies and groups similar documents together based on a set of example documents manually identified by the user. When you receive documents in an opposing production, and hot documents have been identified in your documents, you can pass these document values to the new production items by making them examples for the Analytics engine.
Perform the following steps:
- Create a categorization set and use the Issue Designation multiple choice field as the Categories and Examples source.
- Use the Synchronize feature for your new categorization set.
- Click Categorize All to categorize the opposing counsel's documents with your categorization set and to identify opposing counsel's documents which are similar to your hot documents.
Setting the available Categories and Examples source option to use your multiple choice designation field enables the Synchronize feature for categorization. The Synchronize feature automatically creates categories for all choices associated with the specified field and designates example records for all documents with this field coded. With the example document records identified in your data set, categorization identifies and organizes similar documents in the opposing counsel's data set.


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About nineEdit
The shop is where you can buy animals, upgrade animals, buy cosmetics, and Gamepasses.
Buy kitsune Edit
The new shop in Farm World has different animals every twelve hours. The shop changes at 8:00 in the morning and 8:00 in the afternoon.
In the first menu that appears, you can buy character packs for money
In the Upgrade Animals menu, you can buy or sell Ranks. When an animal reaches a certain rank, extra customization options will become available for that animal.
Common : 100$/100$
Rare : 130$/130$
Very Rare : 170$/170$
Special : 150$/150$
Gamepass : 150$/150$
Master : 320$/320$
You are unable to sell a rank if it's only level 1.
Cosmetics Water Edit
The new shop in Farm World has different auras and trails every twelve hours. The shop changes at 8:00 in the morning and 8:00 in the afternoon.
Premium Edit
In this menu, you can buy character packs and money for free. You can also gain Gamepass animals for playing during the game events that can also be bought with free.
Farm World Pre-Release // 300 R$ or from playing the game in pre-release // Adult Ccara Llama, Baby Ccara Llama, Fireworks Aura.
Event Winter 2018 // 300 R$ or from playing the game during the Winter 2018 Event // Adult Male Reindeer, Adult Female Reindeer, Baby Reindeer.
Event Halloween 2019 // 300 R$ or from completing the Halloween 2019 event // Adult Jack-O-Lantern pumpkin, Adult Farm Scarecrow, Adult Big Brown Bat, Bats Aura, Spider Web Trail.
Event Winter 2019 // 300 R$ or from completing the Winter 2019 event // Adult Canada Lynx, Baby Canada Lynx, Snow Aura, Glitter Trail.
Virtuality World // Joining the Virtuality Roblox Group // Adult Welsh Pony, Baby Welsh Pony.
Peafowl Package // 300 R$ // Adult Male Indian Peafowl, Adult Female Indian Peafowl, Rose Aura, Roses Trail.
Zebroid Package // 300 R$ // Adult Zorse, Baby Zorse, Adult Zonkey, Baby Zonkey, Air Aura, Air Trail.
Kitsune Package // 1200 R$ // A variety of Kitsune, Blue fire aura, Fox Spirit Trail.
Fluffy Package // 300 R$ // Adult Napoleon, Baby Napoleon, Adult Pomeranian, Baby Pomeranian, Clouds Aura, Clouds Trail.


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About MBpart EuMBpart is one of the Egyptian's largest online suppliers of quality car parts and accessories. Having been in the trade for nearly 20 years, we are well equipped to supply quality car parts and accessories from leading worldwide manufacturers at very competitive prices.
Our supply partners include Mercedes-Benz Genuine and after market parts. We have over 300,000 product lines available. Our parts can also be shipped worldwide, quotes are available via e-mail, send us your parts lists and delivery address and we will send you a quotation with international shipping costs. We have teamed up with leading couriers such as DHL, UPS and FedEx to offer a quality delivery service at affordable prices.
MBpart have a dedicated call centre where our professional and highly trained staff can answer all your questions before you make your purchase to make sure you receive the right parts first time, you can call us between 9.00 am and 6.00 pm Monday to Friday on +2 0111 667 667 3.
All our parts carry manufacturer warranties and are approved to meet the European Community quality and safety standards. You can be sure the parts you purchase through MBpart will of the highest quality.


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UWTSD Home - Student Life - Student Hwb
Here to Help
The Hwb is the one place where you can access all the information and support you'll need to get the most out of your time at UWTSD.
Virtual Welcome Events 2020
- 21 September 2020 – CBC and WIAV Cardiff Campus
- Postgraduate – information coming soon!
Designed to be the first point of contact, the dedicated Student Hwb team will provide a comprehensive information service on all student-related matters and can refer you for specialist support. We can also help with queries about:
- Finance
- Enrolment
- Modules
- Moodle
- Timetable
- Student Services
Once you've enrolled, download the 'UWTSD Hwb' app to get all the key info at your fingertips:
Sign in using your UWTSD email address and password to get started!
You can also access the platform when you open the browser on any campus computer or by visiting https://hwb.uwtsd.ac.uk
You can contact the Student Hwb team by:
Email: firstname.lastname@example.com
Phone: 0300 131 3030
Opening Hours:
Monday 8.30 – 5.00
Tuesday 8.30 – 5.00
Wednesday 8.30 – 5.00
Thursday 8.30 – 5.00
Friday 8.30 – 4.30


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Want To Learn How To Sell On Amazon?
Click Here To Get Free Video Training
Learn to promote on Amazon.com in the event you don't dwell within the USA whereas utilizing American dropshippers.
►► Free book – The way to Make $10,000/Month On-line:
***Useful Hyperlinks Referenced on this Video***
Aliexpress vs. Amazon dropshipping:
Step-by-step directions to create an Amazon.com account:
SS-Four Kind to get an Employer Identification Quantity:
PDF Information for the SS-Four kind:
Video tutorial on gross sales tax obligations when dropshipping:
SaleHoo resellers certificates useful resource:
There are lots of people that don't know how one can promote on Amazon.com outdoors the USA nevertheless, and so they are inclined to run into some issues. Listed here are the issues that they hit, and the options to them:
Downside #1: It's worthwhile to create a USA-based Amazon.com account.
This can be a quite common stumbling block that causes a number of foreigners to not know how one can promote on Amazon.com outdoors the USA: They assume they will't open a USA-based Amazon.com account. This isn't true, you'll be able to, and we have now a video which explains how to take action right here:
And no – you don't want a USA bank card, checking account, tackle or cellphone quantity. You should utilize your personal!
Downside #2: Foreigners are confused on how one can promote on Amazon.com outdoors the USA as a result of they want a Tax Identification Quantity
Another excuse that folks don't know how one can promote on Amazon.com outdoors the USA is that they don't know how one can get a Tax Identification Quantity. Some dropshippers will ask you for one earlier than they'll allow you to dropship from them as a result of gross sales tax legal guidelines of their native state.
However getting one could be very simple. Merely apply for a "Employer Identification Quantity" which you may get in lower than an hour with a easy cellphone name. Right here is the step-by-step tutorial on how one can get an employer identification quantity as a foreigner:
1. Get a USA mailing tackle. When you've acquired a pal within the USA you'll be able to simply ask to make use of theirs. When you don't have a pal, I like to recommend utilizing USAMail1. It prices simply $10/month (and you'll cancel instantly after you get your EIN mailed to you!).
2. Fill out the SS-4. I've a hyperlink to this on the prime of the video description beneath "useful hyperlinks." You'll additionally discover there a hyperlink to a PDF information which provides you recommendations on how one can fill it out.
3. Name up the IRS to have them instantly approve your software. Their quantity is +1 267 941 1099. Press 1 while you name to use for a overseas EIN. Their opening hours are 6am-11pm EST Monday-Friday. You'll normally be on maintain for 15-45 minutes. The most cost effective solution to name is to make use of Skype because it'll price you simply 2.6¢/minute.
When an agent picks up, inform them you want an EIN as a overseas sole dealer. They'll ask you some questions based mostly on the SS-Four kind you've already crammed out, after which they'll instantly offer you your EIN. Write this quantity down as you'll have to attend a number of weeks for it to be formally mailed to your USA tackle. And that's it – you're achieved! You've now acquired an EIN.
When an agent solutions, inform them you want an EIN for a overseas sole dealer. They'll have you ever reply some questions based mostly on the SS-Four kind you crammed out.
Whenever you're achieved, they'll offer you an EIN to make use of instantly.
Downside #3: How don't know what your tax obligations are as a world vendor.
One other downside complicated folks and stopping them from understanding how one can promote on Amazon.com outdoors the USA is that they don't know what their tax obligations are. These are fairly easy:
* You don't owe earnings tax to the USA authorities, you owe earnings tax to your native authorities.
* You'll owe gross sales tax to states within the USA that you've got nexus in, which Sarah explains in her video on gross sales tax and dropshipping (which you'll find within the "useful hyperlinks" part of this description).
Downside #4: Folks don't know how one can promote on Amazon.com outdoors the USA as a result of they don't suppose they will get reseller certificates or licenses
When you get an EIN, getting a reseller certificates/license could be very simple. You merely apply for them on-line. We've included a hyperlink to a useful useful resource that SaleHoo has created on this within the "useful hyperlinks" part.
Downside #5: Foreigners don't know how one can promote on Amazon.com outdoors the USA as a result of Amazon needs a return-to-address
If a buyer needs to return a product, Amazon will need a return tackle to ship the merchandise to. One of the simplest ways to handle this as a dropshipper is to have them return it to the dropshipper. With an Amazon PRO Service provider account you'll be able to have a number of return transport labels to your particular person dropshippers.


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RiRi's long awaited R9 album is reportedly a full blown reggae collection featuring the genre's biggest producers.
Kingston local Shaggy admits he was almost in the running too.
According to the DailyStar.co.uk, the two-time Grammy Award-winner admitted in a recent interview to losing a chance to collaborate with Rihanna on her upcoming album, because she asked him to "audition."
"There's a lot of great people involved, but for me, I didn't need to audition to be on the record. I'll leave that to younger guys. But from what I hear, the album should be good."


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IX. Scholarships and Other Awards
Other Forms of Financial Assistance
Loans - Ontario Agricultural College
Students enrolled in programs of the Ontario Agricultural College who are in need of financial assistance, may make application to the Associate Registrar, Student Financial Services for a loan from one of the below-mentioned funds. Loans may be interest free until the maturity date (not later than 6 months following completion of the academic year in which the loan is received). Interest will be charged on any balance which remains outstanding beyond the maturity date, at the rate of interest in effect for the year in which the loan is made. The rate will be established at the time the loan is issued and will agree with the Canadian Chartered Banks' prime lending rate in effect at that time. O.A.C. students should also check the availability of bursaries for which they may be eligible in the awards section for each degree program.


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- Warren Bryant
- 5 years ago
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1 Resource Sheet INSURANCE FOR CENTRE-BASED CHILDREN S SERVICES Designed for Outside School Hours Care (OSHC) and Long Day Care (LDC) Acknowledgement This resource was developed by Community Child Care (CCC) with funding provided by the Australian Government Department of Education, Employment and Workplace Relations under the Inclusion and Professional Support Program ( ). The Inclusion and Professional Support Program is funded by the Australian Government Department of Education, Employment and Workplace Relations. As of 1 January 2013, Gowrie Victoria commenced as the Professional Support Coordinator (PSC) for Victoria. Gowrie Victoria is committed to ensuring continuity of quality support to services and has commenced a planned transition to ensure this occurs. As part of this transition, and in partnership CCC, services can access a number of resources as developed by CCC.
2 INSURANCE FOR CENTRE-BASED CHILDREN S SERVICES Insurance provides some protection against potential costs and damages arising from legal action, accident, personal injuries, building and property damage. Centre-based children s services require a range of insurance policies, and the type of insurance you need, how much insurance you need, and how to get the coverage you need, will depend on services you provide. Under the Family Assistance Legislation, Section 17 of DEEWR s funding agreement (approval for Child Care Benefit) for education and care services asks that applications have the following insurance with an insurance company authorised by the Australian Prudential Regulatory Authority or, in the instance of a self-insurer, you warrant that you have the following insurance: Public liability for not less than $10 million for each and every claim; Workers' compensation as required by law; Professional indemnity for not less than $5 million per claim and in the aggregate, in a year. (This is unless you are not required to have professional indemnity insurance in relation to an Activity which is an outside school hours care, long day care, family day care or in home care service) If you subcontract any of your obligations under the Agreement, you must ensure in relation to each subcontract that either the subcontractor has insurance policies which comply with these requirements, or your insurance policies provide coverage in relation to the subcontractor which complies with these requirements. Services that receive kindergarten funding or run occasional care funded through the Victorian Department of Education and Early Childhood Development (DEECD) will receive automatic insurance to cover them in the following areas: professional indemnity public liability products liability
3 medical malpractice property damage directors and officers liability Long day care services should also consider purchasing the following types of insurance: public liability professional indemnity directors and officers liability (for community- owned services) personal accident insurance for volunteers property damage fire and theft glass money insurance car insurance (for damage resulting from work related activities) fidelity guarantee electronic equipment workers compensation (WorkCover) Outside school hours care (OSHC) services operating in Victorian government schools are often covered by the insurance arranged by the DEECD. School councils and employees of school councils are also covered in this agreement. OSHC services operating in Catholic Schools are often covered by Catholic Church Insurances Limited (CCI). Centre based children s services should ensure they have adequate insurance coverage for all aspects of operation. The types of insurance coverage that may be required falls into three categories: Property Liability Other benefits
4 Property Property damage and building insurance: catastrophe property insurance composite risk property insurance accidental damage, burglary/theft, business interruption, fire and perils, glass breakage, loss of money, portable property construction insurance electronic equipment fidelity guarantee machinery breakdown motor insurance major property exposures Liability public liability professional indemnity directors and officers liability (for community-owned services) employment practices liability workers compensation insurance (Workcover) Other benefits personal accident insurance for volunteers personal accident insurance for excursions personal accident and illness insurance
5 Type of insurance Property damage and building insurance Catastrophe property insurance Glass Fire and theft Money insurance Motor vehicle insurance Fidelity guarantee Electronic equipment Description This insurance will be needed if your organisation owns or is purchasing a building. It is also worth considering if your organisation is allocating funds to renovations on a building that is not owned by you. The insurance should provide coverage for fire, flood, impact and accidental damage suffered during the emergency Provides for reinstatement and/or replacement, initial clean-up costs and any temporary building replacement. Replacement and/or reinstatement of furniture and fittings and other standard facilities. Permanent replacement or reinstatement can occur after consideration of specific issues. Also covers all fire and major storm damage. This could cover internal and/or external windows. Check whether this is included by your building insurance. This should cover losses resulting from burglary (i.e. theft following forced entry) and fire resulting from other risks (i.e. storms, malicious damage, explosion etc). There are several different types of money insurance. You will need to decide the extent of cover that is appropriate for your organisation. Typically, money insurance aims at protecting you against loss resulting from having money in transit, money on the premises and money held in transit at a private residence. Motor vehicles owned by the service and registered with VicRoads must be comprehensively insured. All drivers are covered as long as they comply with the policy terms and conditions. Check with your insurer about the use of private vehicles on official business. The vehicle must be registered and drivers must have a current driver s licence. This insurance covers fraudulence or misappropriation of funds, goods and other property. Organisations that are registered as co-operatives must take out fidelity insurance. This insurance is additional to standard contents insurance, since some policies
6 Type of insurance Description covering contents to not necessarily extend to electronic equipment such as computers and photocopiers. It can also extend to insurance for loss of data. Public liability Professional indemnity Directors and officers liability Personal accident and illness insurance Personal accident insurance for volunteers Workers compensation This provides insurance against legal liability for personal injury and/or property claims made by third parties as a result of an occurrence in connection with your business. This insurance should be regarded as compulsory for any organisation that has contact with the public. This insurance indemnifies the insured against third party claims resulting from any act, omission, or error in the delivery of professional services, or in the failure to deliver professional services. Professional indemnity is concerned with the provision of accurate information and advice. This indemnifies directors and/or executive officers of the organisation against third party claims for wrongful acts, including actual or alleged breach of duty, breach of trust, neglect, error, misstatement, misleading statement, omission, breach of warranty or authority or other wrongful act. It protects the personal liability of committee members or directors should a claim be made. It indemnifies the service against any payment it elects to make and is legally entitled to make in respect of any claim made against a director or officer. This insurance provides lump sum and weekly benefits when an employee needs to be replaced due to illness or accident. Provides income protection, medical and death benefits to volunteers, in the event of an accident occurring while performing voluntary labour or travelling to and from the location for voluntary labour. (You should ensure that the role of the volunteer and the extent of their responsibilities have been properly documented so that relevant activities are approved and will be covered by insurance.) It is compulsory for all employers in Victoria to be covered by workplace injury insurance as these compensation entitlements for injured workers are guaranteed. If you employ workers and you pay or expect to pay more than $7500 a year in remuneration (includes wages, benefits and superannuation)
7 Type of insurance Description or you engage apprentices or trainees you must have a workplace injury insurance policy. This can only be arranged through WorkCover. It is designed to provide income protection for employees who are injured or ill resulting from employment. Contacts and resources Department of Education and Early Childhood Development Phone: Free Call: Catholic Church Insurance Limited Phone: GPO Box 180B Melbourne Vic Victorian Managed Insurance Authority Phone: (03) Australian Prudential Regulation Authority Phone: National Insurance Brokers Association of Australia Phone: (02) Insurance Council of Australia Phone:
Insuring your business
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text:
When we work with entrepreneurs on their business, we work on their fundamentals. Most coaches and consultants teach that business fundamentals are the finances and employees. You will even learn this in your business school. But the reality is different. The foremost crucial thing that drives a business is the leader. And the leader's mindset makes all the difference. They don't teach that in a business school.
The way a leader thinks, plans, and acts can make a significant impact on the business. We are dedicated in finding and creating tools and methods to work with the leaders and their teams to transform their mind and assist them to think critically and differently.
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