What To Expect From Retail Insurance, Guest House Insurance, and Public House Insurance

Consumers are what make the world go round. They buy, they haggle, they travel from place to place, they complain, they praise, depending on how pleased they are with the service or product that you are providing them with.

So, while consumers can be a hassle at times, they do serve a purpose. Without them and their willingness to spend money retailers, guest home owners, and public home owners would be out of jobs.

Consumers hold so much sway over the rise or fall of a business that it is frightening. A consumer can sue, file a claim, or cause any number of other problems for a business. When all of that is added to the types of potential problems that are already present in businesses (like employee injury, theft, natural disaster, vandalism, and etc) then it is understandable why an owner would want to get back a sense of control.

You can never truly enjoy the running or a business when you are constantly worrying about everything that could go wrong. There are so many things that could come up, it is a wonder why people would be willing to even own their own businesses at all.

For those brave individuals that do just that, these are just a couple of the different types of insurance that you may come across.

Retail Insurance – Retail businesses, service businesses, and trade contractors are eligible for retail insurance. These business owners receive protection for their personal property, the building that their business is being run out of, business liability, and also loss of income. Most places will offer you the choice of picking and choosing what sort of coverage you receive while using this type of insurance. This method is a popular one because many business owners do not want to have to pay for flood coverage if they live in a high elevated area surrounded by little to no water sources. Why would they? It would be the smarter choice to take an option like that from their policy plan and replace it with a type of coverage that they would need in the future. Retail insurance policies can be obtained by retail outlets, boutiques, takeaways and shop owners. Even the minimum coverage of retail insurance is more than the maximum coverage that some policies offer. For example, the minimum coverage for retail insurance includes:

oL 3,000 worth of damage to glass, store front, and etc.
oL 1,000 worth of damage to blinds or signs on the exterior
oL 3,000 worth of lost or damaged goods during transit
oKey theft and lock replacement
oIncome loss
oPersonal injury, assault, loss of limbs or eyes, or death
oPersonal effects or cash carrying devices suffering damage
oLoss of the contents in a freezer
oIncrease for stock during busy periods
oproperty damage during exhibitions
ometered water loss
olandscaping

There are certainly more, but for now I am sure you get the idea.

Guest House Insurance – This form of insurance can be obtained by the owners of motels, hostels, hotels, guesthouses, and so on. With guest house insurance you will be covered in a multitude of other areas. Building and Contents coverage financially protects not only your business but also everything that is in that business (machinery, stock, money) from fire, storm damage, floods, and etc. Public liability insurance is also offered. With it you are protected from any claims that resulted from injuries that the public suffered while on your property. Liability insurance for employers is also included in guest house insurance. It works the same way as public liability insurance does, except that it protects you from negligence claims filed by employees rather than the public. Finally, business interruption helps to compensate you for any income loss that your business suffered in the aftermath of a fire, flood, blackout, gas leak, or etc.

Public House Insurance – This can also be known as pub and wine bar insurance. It is very important that owners of pubs or wine bars have this form of insurance. When you are dealing with a bunch of people who are all too willing to drink as much alcohol as possible, you can always expect the worse. Public house insurance is meant to help you do just that.

As you can see, whether it is public house insurance, guest house insurance, or retail insurance, it is always a good idea to invest in at least the minimum amount of coverage. Because when you are dealing with people on a daily basis, it is always better to be safe instead of sorry.

How Steeple Analysis Evaluates External Business Environment

STEEPLE analysis considers various external factors that can influence business performance of a company. This tool is often used to identify those factors that can influence business or organization. There are seven areas that STEEPLE analysis takes into consideration.

Thus, STEEPLE analysis deals with political, economic, social, environmental, legal, ethical and technological factors that have both positive and negative impact on the company or entire industry.

Why is use of STEEPLE analysis recommended for businesses? This is a very good way of analyze and external environment in which the company is operating. Moreover, STEEPLE analysis can also offer suggestions on how to respond to challenges and solve problems, if any.

One of the most common mistakes in use of STEEPLE analysis is separate consideration of various factors. They are all interrelated and thus have to be analyzed in complex. Besides, one should come up with suggestions and answer the question What does it mean for my company? Response and counter actions are required.

Such factors can generally present strengths and weaknesses, threats and opportunities in various external environments every company is bound to operate in. This article will offer a short overview of the seven external factors that can influence business performance as well as focus on pros and cons of STEEPLE analysis.

Social factor often includes demographics, social and labor mobility, changes in lifestyle, balance of work and life, education and fashion, health and welfare, poverty levels, work security and living conditions, as well as income distribution. In other words, this is information related to social trends.

Technological factor studies new developments and discoveries, speed of technology transfer, use of energy, the impact of IT Technologies on business, Internet progress, spread of mobile technologies, average spend on IT etc. Every company should keep up with technological progress.

Economy is all important, especially for companies operating in the international market. This factor studies monetary policy, government spending, taxation issues, inflation, exchange rate, unemployment policy, general economic situation, customer expectations and purchasing power etc.

Environmental issues are very hot these days, as people came to understand they have to take proper care of nature. This factor addresses global warming, carbon emissions, climate change, environmental regulations and legislation, green agenda etc.

Politics is inseparable part of social processes. This factor studies political situation, results of elections and possible consequences for the business, governmental decisions on regulation of business relations etc. Very often political decisions are made to normalize economic situation in the country.

Every company is operating in a certain legislative system, and thus should comply with the applicable laws. Legal departments of companies must pay a special attention to corporate governance, and international trade regulations, legislation on competition and monopoly etc.

Ethical constituent is very important as well. Client confidentiality, business ethics and reputation are very important factors to consider.

Among key advantages of STEEPLE analysis are focus on external factors that influence company performance and ability to respond to certain challenges. Some business analysts claim that STEEPLE analysis only underlines something that is already known, and this viewpoint has also its supporters.

Keep Your Home Cool with AC Energy Boost

AC Energy Boost is your air conditioner and other appliance workhorse and one bottle is enough for several cleanings. Like many other organic and ‘Green’ earth-friendly products, AC Energy Boost is not sold in stores and made entirely from organic compounds which pose no harm to our planet. Organic ingredients make it safe for the environment, property, appliances, pets, and children. Still the biggest benefit derived from AC Energy Boost is that it promises to save you money on electricity especially from summer cooling. Most importantly, AC Energy Boost is accompanied by a 100% Money Back Guarantee with no questions asked if you are not satisfied or it fails to deliver as we claim, leaving you at no risk to give it a try.
Especially with older air conditioning units, one bottle will pay for itself in approximately 24 hours of use. This, in addition to, extending the life expectancy of your home appliance. Ultimately, you will actually save more than you spend on this purchase by not spending so much on your electric bill and regular maintenance and cleaning keeps your older units running so you need not replace them in the near future.

Yes, it probably does sound like a middle-of-the-night infomercial telling you, “If you spend a little, you will save a lot”, and reminding you, “Going green saves not just the planet but big green American currency in your wallet.” Naturally, the promotional talk and the testimonials make the product sound almost too good to be true, and the demonstrations may seem miraculous leaving you to wonder how you have lived this long without the product. Yes, Ace Energy Boost might seem a lot like an infomercial product except for one thing – it works. Not only does AC Energy Boost work, it works very well.

AC Energy Boost is an industrial strength product not available in stores.
You could call your air conditioning professional for routine maintenance, and he happily would roll-up at your house, toolbox in hand. Ready to charge you a maintenance fee of $125. If you call him, be nosey and take a look in his toolbox, in most cases he has his own bottle of Ace Energy Boost, because he knows cleaning your air conditioner condenser coils will have the most impact on its performance. Moreover, AC Energy Boost is the professionals’ first choice for professional strength cleaning products, because it works well with no harmful effects on people, pets, plants, or the environment. Why not save yourself a hundred or so dollars and simply order your own spray bottle of AC Energy Boost. You will get the same professional results and still have in your pocket. The toolbox, of course, is sold separately.

AC Energy Boost was invented for professionals but works well as a Do-it-Yourself project.
AC Energy Boost, sadly, will not cure your depression, double your paycheck, assure love and romance at your high school reunion, or help your children win admission to the college of their choice; however, it will pay for itself in just a single day if you run your air conditioner continuously. AC Energy Boost was developed from all natural organic ingredients by an American lab and chemists at the direction of a man who has 40 years experience as an air conditioning specialist. In addition, while we developed AC Energy Boost for the sole purpose of cleaning air conditioning condenser coils we were not surprised to learn that a number of our brand ambassadors had discovered more uses for this liquid. Our product is safe, non-toxic, mixed and measured to just the right balance of all-natural ingredients but in an industrial strength.
AC Energy Boost has one characteristic uncommon to other cleaning products not sold in stores- it really works.It works on not only your air conditioner and cooling appliances; it works on refrigeration and heating units too.
If you remember back when your air conditioner or cooling unit was new, you recall it ran at top efficiency and your room and home was much cooler than now after several years of use these machines become dirty and require cleaning much like anything else. This is exactly what AC Energy Boost does – cleans your air conditioning equipment. When you dissolve away all the dust, dirt, pollen, pet hair, exfoliated skin and other accumulated gunk from the coils on your air conditioner, it will once again offer increased efficiency, use less electricity, and keep your home cooler on hot summer days. Even older air conditioning units life expectancy can be extended with proper cleaning and maintenance, which again increases your savings. You may even wish to clean your refrigerator coils to allow this appliance to perform at peak efficiency. Although, cleaning your refrigerator is quite a bit more involved than cleaning your air conditioner. It does not take a great deal of effort to clean your air conditioner and we guarantee a clean machine uses far less energy even for maximum household cooling. This Do-it-Yourself project should be part of every household cleaning effort because it is simple common sense.

AC Energy Boost saves money and the planet.
You know from harsh experience to keep your home cool inside when the temperature is scorching outside, your comfort can really cost you in electric bills. Close your eyes and imagine how your air conditioner drains your budget as it lowers the temperature.
Not a pretty thought. Yet, in 10 minutes you can drive down your summer cooling costs by improving your air conditioners performance, therefore, saving money; and you may expect to cut your summertime electricity bills by as much as 20%…or more. In the grand scheme of things, however, when you save electricity, you make a huge contribution to saving the planet. In North America and most of Europe, power plants still rely on fossil fuelsgasoline or coal. In fact, in the United States, more than half of the nation’s electricity comes from coal-fired generators, which still pump tons of carbon emissions into the atmosphere and the future does not yet have a solution to our dependence on these fuels. As we have seen recently via world news, Japan has taught us nuclear energy is not so earth-friendly either and until renewable energy technologies receive, venture capitalist funding there is little relief ahead for consumers. Therefore, the simple business of upgrading your air conditioner’s performance and your reducing your own carbon footprint makes perfect common sense and collectively our human populations can alleviate the burden we are placing on our planet immediately.

They Say Common Sense is Not So Common These Days.
AC Energy Boost is a No-Brainer!

Everything in Ace Energy Boost is completely natural, non-toxic, and free from volatile chemicals. All of Nature’s most powerful astringents, anti-oxidants, and grease cutters are in the mix, so that Ace Energy Boost cuts through grease and grime as if it were turbo-charged and super-powered. It does not corrode, oxidize, stain, burn, or damage anything in or around your home. Making AC Energy Boost a perfect choice for the planet, your property, loved ones and pets.

So, as the man would say on the midnight infomercial, “Order now. The sooner you call, the sooner you will be saving money and your Mother Earth.” One difference: Ace Energy Boost is the real deala simple product with a simple purpose at a fair price. Order now and we ship it free of charge. This product is not yet sold in stores, as we are a small company with few people who are aware of our existence. We hope to change our anonymity in the near future, but at present, you can purchase AC Energy Boost in its industrial strength form only from our website online. Please help save our planet and yourself from costly electric bills. Try a bottle today with our money back guarantee. If you do not believe that our product does exactly what we claim, return your unused portion within 10 days for a complete refund.

a Tranquil Path To Seychelles Offshore Company

Whether it happensit is very to save income taxes, achieve elevated business versatility, shield property and assets, minimize reporting, or maybe manage privacy, having an overseas organization (a firm your image performs business outdoors the country related with incorporation) could be a particular finest business tool. Offshore business development is relevant amidst uk entrepreneurs, independent contractors, specialists plus traders. The hired contacting firm collects the required due diligence from the customer. The consulting company offers the client using a full show program, that includes procedures to include the prospective offshore business. The consulting firm proceeds to register the offshore business when using the suitable company construction.

Find out which of the Singapore Incorporation or investment options available, or Dubai Offshore Company will be appropriate for you.

A Tranquil Path To Seychelles Offshore Company

This certificate is the piece of content which we hold since confirmation which the business exists. A certificate of incumbency indicates that the business was in advantageous waiting. The business is need to keep statutory contracts of the Offshore Company formation. The papers are to be saved within the jurisdiction related with the destination the firm was subscribed. In this case, the papers needs to be prevented inside the offshore organization ‘s registered business office. The manager or company directors of the Offshore Business are to continue all important offshore firm data files also as the audited accounts. Most of the offshore companies do not function a considerable company inside the nation of registry.

This keeps the prospect related with brand new company, surprisingly attractive. Overseas Company is a non-resident firm that is integrated in foreign nations inside purchase to avail its flexible income tax structures and additionally fruitful company possibilities. The fundamental reason at the rear of establishing a company inside a foreign locale is the chance of income tax reduction which enables you to get into the popular taxation construction of the nation. The benefits provided to offshore organization inspire a lot of people to launch a firm inside foreign lands. Overseas company formation not just spares revenue about income tax unfortunately, the task related with environment and building a business is truly simple plus simple.

Less formalities and additionally records is mandated when environment a company and additionally one could smoothly function that company with a lot Comfort. Various other major positive aspect of the overseas business formation is simplified reporting strategy. Reporting system related with overseas organization is simpler than the reporting program of a local native company It moreover helps the businessman to continue that essential information confidential as your man refuses to have to present this strategies to virtually any influence. Furthermore indeed there is a greater range for asset cover and personal security is additionally treated inside an impressive manner. The offshore organization formation is useful for each the firm also as the publish nation.

Head over to my web site on investment options available for other tools and additional info on Offshore Company In Dubai.

Be The Boss With An Online Business Management Degree

If you’re a natural born leader, or you like the idea of being in charge, a career in management might provide a great fit. As in practically any field, education is the key to climbing the corporate ladder in business. Earning anonline business management degree could help you to find a rewarding career where you’re the boss. Many people are unhappy in their current job, but lack the time and motivation to go back to school and would benefit from online learning. An online business management degree program can qualify you to work in top business positions and earn a competitive salary.

Why Online?

Business is an area particularly rich in opportunity for advancement. Often though, working professionals who have full-time jobs and other responsibilities do not want to abandon them to return to school. Earning an online business management degree is convenient, and the nature of online education allows students to continue working or taking care of a family while they earn additional credentials.

In addition, in today’s highly technology-driven society, developing advanced computer and technology skills can give one candidate an advantage over another for a job. Coursework for an online education platform is completed online from your home computer. Because of the opportunity to make a lot of money and gain authority, the business world is extremely competitive. The additional skills and credentials gained through an online business management degree program can provide the extra push that a student needs to succeed in a career in business.

Here are 10 jobs you could have with an online business management degree:

1. Office Manager

A career in office management is pretty self-explanatory. An office manager oversees employees and makes sure that the workplace runs smoothly day to day.

2. Human Resources Manger

A company’s HR department creates the connection between a company and the outside world. Management within the department controls tasks like recruiting and hiring, and they also implement or change company policies. This particular position is the head of the department.

3. Management Accountant

Rather than being employed by an accounting firm, management accountants work in-house for a company. They record and analyze a company’s financial data and use this to help strategize a better financial plan for the business.

4. Retail Store Manager

Traditionally, many stores were run by an experienced salesperson that was promoted to a management position. But today, many stores choose to hire college graduates to oversee employees and the daily operations of a retail store.

5. Operations Manager

A business needs someone to oversee its daily operations. Like general management, operations management participates in practically every area of business function and acts as an authority to employees.

6. Human Resources Generalist

Like human resources management, a human resources generalist is in charge of supervising operations within a company’s HR department. This person also plays an important role in determining company policies and solving issues that employees may have.

7. Business Analyst

The main responsibility of a business analyst is to make sure that a business operates efficiently. They dictate work flow among employees and create opportunities for new profit opportunities by analyzing business functions.

8. Financial Controller

A financial controller is generally the head of an accounting department. This person controls things like audits, profits, and budgets in larger companies that house these departments internally. They are responsible for producing accurate and critical financial reports.

9. Marketing Manager

Within a marketing department, a manager determines a demand and develops marketing strategies for meeting it. They also monitor trends to develop marketing opportunities and oversee other actions of the department, such as implementation and reports of marketing strategies.

10. Financial Analyst

A financial analyst observes and studies trends in the stock market and analyzes them to make smart business decisions. They advise a business on how to spend its money in order to maximize revenue.

If you’re already working in business, an online degree can help you move into a management position. Online degree programs offer a nontraditional but convenient and flexible means of learning and developing new, useful skills. Enrolling in anonline business management degree program can be the best career decision you ever make.

Green Data Centers – Ecofriendly Data Management

No matter which part of the word we talk about, computers have become a way of life for most of us. Adding to this, globalization of internet services has made it inevitable for businesses to maintain a notable web presence. Almost every company uses computers to facilitate its functions and improve its products and services. Considering the reliance we have on computers, it becomes safe to say that the need for efficient data management solutions is here to stay. When it comes to high performance data storage solutions, not every company can afford to have them in-house. Keeping this in mind, facilities dedicated to housing and leasing data storage solutions called data centers came into existence. However, due to the high emission level of these power hungry data warehouses, they have always been a threat to our planet’s ecological balance. To address these issues, Telecommunications Industry Association or TIA for short (the body governing data center architecture) revised the architectural norms of these data centers.

Data centers built under the revised norms are referred to as green data centers as they are much more ecofriendly than their traditional counterparts. While retaining old features such as redundant power and cooling, round the clock technical help, and highly secure data storage environment, the guidelines for the architecture of green data centers also require the providers to use lead free construction material, catalytic converters on power generators, solar panels for reducing dependence on conventional power generation methods and ecofriendly cooling system.

When looking for a data center provider, you must ensure that the data center you choose is built as per the new guidelines prescribed by TIA. Opting for traditional data center would do nothing but increase your company’s carbon footprints and contribute towards hampering the ecological balance of our dear planet. Furthermore, due to green data centers relatively newer than their traditional counterparts, chances are that you will find superior data storage solutions at these newer facilities.

If you think it is your duty to save the planet from the atrocities of rising pollution, you can easily find a suitable green data center provider using any web search engine. However, before you close a deal, always consider factors such as the facility’s record uptime, vulnerability of the area to natural calamities and their past record. To help you make up your mind, it is recommended to go through reviews written by viable providers’ existing clients.

The author is an experienced Content writer and publisher on the topics related to green data centers and data center providers.

Potential Jobs in Creating a New Energy Infrastructure

According to the U.S. Conference of Mayors, a total of 751,051 “green jobs” were created or maintained in 2006. Of those jobs, almost 127,500 of them related to renewable power generation. The majority of the jobs in question, approximately 85% were located within metropolitan areas. However, with the increasing popularity of renewable energy in today’s market, the potential for employment in these areas can increase greatly. Santa Cruz Ca, real estate benefits when people improve their home with energy efficient products.

Projected Renewable Energy Jobs and Industries

The Energy Information Administration estimates that the electric power sector generated just over 4 trillion kilowatt hours. Of that, just about 8% was generated from renewable sources. Hydroelectric power is perhaps the largest contributor to the generation of electricity, and has been a significant creator of jobs in both manufacturing and operation of various hydroelectric jobs around the country. Since hydroelectricity has been a part of the infrastructure for a number of decades, the workforce is becoming older, and the need for an influx of skilled workers will undoubtedly increase in the coming years.

One of the most promising sources for alternative energy is wind. Geographically speaking, the areas with the highest potential for employment generation with a new energy infrastructure are in the northern and western parts of the country. In considering Santa Cruz real estate for wind potential, a survey of the area winds is helpful to determine the suitability of the site. If wind energy is pursued, the states of North Dakota, South Dakota, Kansas and Texas would be the most likely places for wind energy generation farms, and the associated employment opportunities. They are estimated to have a total potential power generation of approximately 4,500 billion kilowatt hours, which is more then enough to power the entire United States for at least 9 months. In addition, states such as Maine, New York, and Michigan also provide many opportunities for wind generation. If wind is actively pursued as a source of alternative energy, a substantial amount of jobs can be created and maintained. Potential jobs could include construction and maintenance of the wind generation farms, construction and maintenance of new transformers for electricity transportation, and jobs to regulate the flow and amount of electricity geographically. The American Wind Energy Association is a great place to find more information at awea.org.

Another potential powerhouse when it comes to alternative energy is solar power. Solar power has the potential to generate a significant amount of jobs, as well as decrease our national reliance on fossil fuels. The basic technology has been around for years, but the widespread adoption has not occurred basically due to the higher cost of power generation compared to fossil fuels. However, with the increasing cost of using fossil fuels, as well as advancements in solar panel technology, the cost difference is becoming smaller everyday.

excepted delay in construction tasks

the delays in Building projects/p>

At least 60 percentage on the task delay are mainly because on the method of handling the other forty percent. The delays begin with a change order request, and further delays occurs as a result of the scheme of controlling the first delays. 59 per cent of project delays could be avoided through an successful project operations strategy.

During my perform within the construction projects for the earlier a few years, I observed that over 80 % of my firm projects are delayed. The major reason of the delays is wide-ranging from a project to an alternative project, however, there’s a shared element out of all project and that isthe strategy of handling the original delays.

I am going to clarify beneath the leading reasons with the structure projects delays , their effect on the project and the opportunity to avoid the delays due to each purpose. I divided the reasons of the delays in to two major elements

1- DELAYS Because of Exterior Variables:

Outer factors are occasions of delays which are not associated to the contractor but not under his management, they happened through the customer or the consultant, and affect the improvement in the function or break the standard collection with the actions. The Outside Variables are mainly change orders and successor activity, i believe, they present 40 % of the building project delays reasons.

A. Change requests:

Modification orders or variation orders is easily the most well known factor impacting the task improvement, this also typically issued for the company by the customer or even the project advisor. Change orders occurred as a result of designing deficiencies or as a consequence of client need.

B. Successor activities:

Should the company works connected with others tasks complete to start, this can be a very good reason for construction delays. A good example of finish to begin relationship, one builder is liable for the project construction (footing and concrete), and another builder is liable for the finishes works. This factor cannot be controlled, but needs to be distinctly recognized within the contractor management programme to advise your customer if X task delayed by contractor 1, Y activity is going to be delayed by builder 2.

2- DELAYS On account of Inside Aspects:

Internal factors are wholly under the company management and obligation, any delays occurs towards project because of those Aspects, the company will carry all the implications. Sadly 58 per cent from the task delays are triggered by central elements including weak management and lack of labor and tools.

A. Bad supervision:

Lack of an effective project management programme and weak Building Project Preparing is a usual purpose with the project delays . It is effortless with the contractors to arrange a time plan, However, to develop a complete project management software programme and follow it, this is actually the genuine problem. Below can be a report on the missing components at a typical project administration program to get a construction project.

B.Deficit of man power and tools:

Labor and tools will be the resources to perform any action, any lack of these resources will directly result in a delays. The productivity can also be involved with the numbers, low production will defiantly lead to project delays. The next factors will explain the reasons you could have insufficient effort and tools inside a construction project.

Underestimate from the activity complication.

Lower productivity rates.

No available sources inside regional market.

Project managing technology is crucial these days. To be able to manage any project you must be conscious of the Provision tactics and guidelines. You may check the Planning Engineer website for no cost courses and more project management components. http://www.planningengineer.net

Business Analyst In Insurance Domain

The right balance of information and technical knowhow is needed for a Business Analyst to successfully complete his job in any sector. This dictum applies to the Insurance sector as well.

A Business Analyst should be well versed with the information that is needed for any Insurance professional to work in the Insurance domain. Since he has to analyze the processes and then help in the development of essential software for the projects in the Insurance sector, he needs to have both the information required of an Insurance professional and the technical knowledge required for the establishment of software designed for this sector.

Insurance as is known is generally divided into three major divisions: Life Insurance (dealing with safeguarding life and the risk of mortality and critical illnesses), General Insurance (dealing with the risk of damage to immovable property, motor, cargo, marine, household, and fire insurance), health insurance (dealing with risk of illness and disease, and thus covers reimbursements, medical claims, operation of panel doctors, cashless hospitalization, co payment etc.) The level of knowledge and range required is different in each stream and hence a Business Analyst has to have a certain demonstrable understanding of the workings of the particular streams in the sector and also desirably, adequate level of experience in the sector.
Functional Knowledge of Insurance applications is also essential, like new business, channel management, policy servicing, claims management, underwriting, reinsurance and finance. Along with knowledge of the business processes of the particular client company, a brief and thorough understanding of the requirements given by the regulatory authority of the Insurance industry is also mandatory. The terminology is varied for the Insurance sector, with changes even within the sector, for the different streams of the sector. Knowledge of these unique terminologies will help the Business Analyst to understand the client who is the end users expectations and he will be able to draft them better into requirements efficiently.

Once functional requirements are known, the technical knowhow is also essential for any good Business Analyst to communicate to his software developers team about the client users expectations from the project. The Business Analyst should be aware of the basic MS- Office tools like Microsoft Word, Ms PowerPoint, MS Excel, MS Visio, MS Access, and MS Project). These help in collating data and presenting it in proper format. Then knowledge of relational databases is also important for understanding the technicalities of Querying and Support. Basic programming languages that are used by software developers should also be known to the Business Analyst so that he can understand the developers problems or point of view. These programming languages could be ASP, Dot Net, JAVA, J2EE, XNL, HTML etc.

In addition to these, knowledge and experience in insurance business applications, content management systems, portals, data warehousing tools can give any Business Analyst that extra edge over others standing next to him.
Thus, its quite clear that a Business Analyst in the Insurance domain needs to know both sides of the coin the knowledge of insurance business processes and the relevant Insurance software packages.

Skye Bank Customer Alert – Beware Of Hackers

One of the features of online/Mobile banking is SMS banking services which are operated using both push and pull messages. Push messages are those that the bank chooses to send out to a customer’s mobile phone without the customer initiating a request for the information. For example push messages could be either Mobile marketing messages or messages alerting an event which happens in the customer’s bank account, such as a withdrawal of funds from the ATM or a payment using the customer’s credit card, etc.

Pull messages are those that are initiated by the customer, using a mobile phone, for obtaining information or performing a transaction in the bank account. Examples of pull messages for information include an account balance enquiry, or requests for current information like currency exchange rates and deposit interest rates, as published and updated by the bank.

The bank’s customer is empowered with the capability to select the list of activities (or alerts) that he/she needs to be informed. This functionality to choose activities can be done either by integrating to the internet banking channel or through the bank’s customer service call centre.
It is however sad to note that fraudsters and internet hackers have capitalized on this laudable innovation to rip people off their money. So it is important that as a bank account holder or intending holder you should be aware of this trend and choose the right bank to bank with where your money will be properly secured through adequate online security tips.

Skye bank as a customer friendly bank knows about the activities of these fraudstars and has developed security measures to protect its customers finances. If you are a Skye bank account holder, you might receive emails that seem to emanate from the bank.The mail might even carry the names of Skye bank top Management staff or Director. Some of them may require you to send in information on your Bank details, Pin codes and even your personal information as contained in the bank’s database of you. They might also claim to have access to large sums of ($)US dollars for you domiciled with the bank. Please note that these are scam mails and you should be very careful to avoid being a victim to fraudsters.

As part of its commitment to online security, Skye bank has developed some security tips for all its customers to recognize when they receive emails or letters from potential fraudsters.

Please note that Skye Bank would never ask you to disclose your account number or Pin code on the internet. Also Skye Bank would never ask you to disclose personal information on the internet.

You should also note that Skye Bank site would always carry a security certificate which would be visible on access to the bank’s site and be sure that the site you are on is a genuine Skye Bank site.

In addition Customers should not open attachments or follow Web links in unsolicited emails from unknown parties or from parties with whom you do not normally communicate, or that appear to be known but are suspicious or otherwise unusual.

The official Skye Bank web address is www.skyebankng.com. If you are still in doubt, please get in touch with your nearest branch or call us on (000 234 1) 8531655, 8948103, 07028390633-5