By Abby Johnson

While playing outdoors for children are great fun, but kids get bored with the same activities over time. So an outdoor play structure can revive the fun and enjoyment for the kids and the entire family. Outdoor play structures are much larger in size and come attached with scope for many activities. If you are thinking of buying an outdoor play structure for your backyard, you could make yourself familiar with what is currently available in this play item category.

At the outset, it is important to know that there are a large variety of outdoor play structures available in the market today. These are available at your local home improvement stores, toy stores or any departmental store. A lot of retail outlets usually display these structures, so you can have a first hand impression of what this new large toy will look like in your own backyard.

Over and above your local stores, a large variety of outdoor play structures are available online. You may not be able to touch these structures, but you will be provided with detailed information about each piece aided by pictures. It is interesting to note that online shops have a larger variety of such toys than the local retail outlets.

[youtube]http://www.youtube.com/watch?v=LZABqaEsrLM[/youtube]

While shopping for an outdoor play structure, whether online or at the local store, you will get to see a large selection of similar structures, all referred to as outdoor play structure. As you know by now that these are larger than normal toys and include multiple activities. Generally these structures include, over and above other activities, swing sets, playhouses, sandboxes and tree forts.

Because it is made of durable materials like plastic or wood, sand boxes are referred to as outdoor play structures. Sandboxes are available in various sizes, so you can choose the one which fits best to your size of the backyard.

Tree forts are another great favorite with children. Unfortunately you will find it difficult to find one in your local store or even online. This is because, tree forts are enormous in size. So if your child wants a tree fort and you cant lay your hands on one, or find it difficult to make it yourself, seek the help of a professional tree fort builder.

While tree forts remain an all-time favorite with children, you may not be able to afford one or there may not be any tree on your backyard. Instead you could choose a playhouse, which is more or less similar to a tree fort except that playhouses are placed on the ground. Playhouses also are available in a variety of styles and designs and are popular with both boys and girls.

Both tree forts and playhouses are suitable for small children. However, if you want to buy something which can be your childs companion as he or she grows, a swing set could be a great option. These are usually accompanied by swings, slides, teeter totters and monkey bars. You can get metal swings but for more durability and dependability, wood swing sets are the best.

Over and above the items mentioned here, there are numerous other outdoor play structures available. Whether you buy one or make one yourself, an outdoor play structure is a source of long time joy for children. The indoors will then become boring for them.

About the Author: Abby Johnson is a staff writer at

Kids Digest

and is an occasional contributor to several other websites, including

Lifestyle Gazette

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=109805&ca=Family+Concerns

Filled Under: Scaffolding
">
U.K. National Portrait Gallery threatens U.S. citizen with legal action over Wikimedia images

Tuesday, July 14, 2009

This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

The English National Portrait Gallery (NPG) in London has threatened on Friday to sue a U.S. citizen, Derrick Coetzee. The legal letter followed claims that he had breached the Gallery’s copyright in several thousand photographs of works of art uploaded to the Wikimedia Commons, a free online media repository.

In a letter from their solicitors sent to Coetzee via electronic mail, the NPG asserted that it holds copyright in the photographs under U.K. law, and demanded that Coetzee provide various undertakings and remove all of the images from the site (referred to in the letter as “the Wikipedia website”).

Wikimedia Commons is a repository of free-to-use media, run by a community of volunteers from around the world, and is a sister project to Wikinews and the encyclopedia Wikipedia. Coetzee, who contributes to the Commons using the account “Dcoetzee”, had uploaded images that are free for public use under United States law, where he and the website are based. However copyright is claimed to exist in the country where the gallery is situated.

The complaint by the NPG is that under UK law, its copyright in the photographs of its portraits is being violated. While the gallery has complained to the Wikimedia Foundation for a number of years, this is the first direct threat of legal action made against an actual uploader of images. In addition to the allegation that Coetzee had violated the NPG’s copyright, they also allege that Coetzee had, by uploading thousands of images in bulk, infringed the NPG’s database right, breached a contract with the NPG; and circumvented a copyright protection mechanism on the NPG’s web site.

The copyright protection mechanism referred to is Zoomify, a product of Zoomify, Inc. of Santa Cruz, California. NPG’s solicitors stated in their letter that “Our client used the Zoomify technology to protect our client’s copyright in the high resolution images.”. Zoomify Inc. states in the Zoomify support documentation that its product is intended to make copying of images “more difficult” by breaking the image into smaller pieces and disabling the option within many web browsers to click and save images, but that they “provide Zoomify as a viewing solution and not an image security system”.

In particular, Zoomify’s website comments that while “many customers — famous museums for example” use Zoomify, in their experience a “general consensus” seems to exist that most museums are concerned with making the images in their galleries accessible to the public, rather than preventing the public from accessing them or making copies; they observe that a desire to prevent high resolution images being distributed would also imply prohibiting the sale of any posters or production of high quality printed material that could be scanned and placed online.

Other actions in the past have come directly from the NPG, rather than via solicitors. For example, several edits have been made directly to the English-language Wikipedia from the IP address 217.207.85.50, one of sixteen such IP addresses assigned to computers at the NPG by its ISP, Easynet.

In the period from August 2005 to July 2006 an individual within the NPG using that IP address acted to remove the use of several Wikimedia Commons pictures from articles in Wikipedia, including removing an image of the Chandos portrait, which the NPG has had in its possession since 1856, from Wikipedia’s biographical article on William Shakespeare.

Other actions included adding notices to the pages for images, and to the text of several articles using those images, such as the following edit to Wikipedia’s article on Catherine of Braganza and to its page for the Wikipedia Commons image of Branwell Brontë‘s portrait of his sisters:

“THIS IMAGE IS BEING USED WITHOUT PERMISSION FROM THE COPYRIGHT HOLDER.”
“This image is copyright material and must not be reproduced in any way without permission of the copyright holder. Under current UK copyright law, there is copyright in skilfully executed photographs of ex-copyright works, such as this painting of Catherine de Braganza.
The original painting belongs to the National Portrait Gallery, London. For copies, and permission to reproduce the image, please contact the Gallery at picturelibrary@npg.org.uk or via our website at www.npg.org.uk”

Other, later, edits, made on the day that NPG’s solicitors contacted Coetzee and drawn to the NPG’s attention by Wikinews, are currently the subject of an internal investigation within the NPG.

Coetzee published the contents of the letter on Saturday July 11, the letter itself being dated the previous day. It had been sent electronically to an email address associated with his Wikimedia Commons user account. The NPG’s solicitors had mailed the letter from an account in the name “Amisquitta”. This account was blocked shortly after by a user with access to the user blocking tool, citing a long standing Wikipedia policy that the making of legal threats and creation of a hostile environment is generally inconsistent with editing access and is an inappropriate means of resolving user disputes.

The policy, initially created on Commons’ sister website in June 2004, is also intended to protect all parties involved in a legal dispute, by ensuring that their legal communications go through proper channels, and not through a wiki that is open to editing by other members of the public. It was originally formulated primarily to address legal action for libel. In October 2004 it was noted that there was “no consensus” whether legal threats related to copyright infringement would be covered but by the end of 2006 the policy had reached a consensus that such threats (as opposed to polite complaints) were not compatible with editing access while a legal matter was unresolved. Commons’ own website states that “[accounts] used primarily to create a hostile environment for another user may be blocked”.

In a further response, Gregory Maxwell, a volunteer administrator on Wikimedia Commons, made a formal request to the editorial community that Coetzee’s access to administrator tools on Commons should be revoked due to the prevailing circumstances. Maxwell noted that Coetzee “[did] not have the technically ability to permanently delete images”, but stated that Coetzee’s potential legal situation created a conflict of interest.

Sixteen minutes after Maxwell’s request, Coetzee’s “administrator” privileges were removed by a user in response to the request. Coetzee retains “administrator” privileges on the English-language Wikipedia, since none of the images exist on Wikipedia’s own website and therefore no conflict of interest exists on that site.

Legally, the central issue upon which the case depends is that copyright laws vary between countries. Under United States case law, where both the website and Coetzee are located, a photograph of a non-copyrighted two-dimensional picture (such as a very old portrait) is not capable of being copyrighted, and it may be freely distributed and used by anyone. Under UK law that point has not yet been decided, and the Gallery’s solicitors state that such photographs could potentially be subject to copyright in that country.

One major legal point upon which a case would hinge, should the NPG proceed to court, is a question of originality. The U.K.’s Copyright, Designs and Patents Act 1988 defines in ¶ 1(a) that copyright is a right that subsists in “original literary, dramatic, musical or artistic works” (emphasis added). The legal concept of originality here involves the simple origination of a work from an author, and does not include the notions of novelty or innovation that is often associated with the non-legal meaning of the word.

Whether an exact photographic reproduction of a work is an original work will be a point at issue. The NPG asserts that an exact photographic reproduction of a copyrighted work in another medium constitutes an original work, and this would be the basis for its action against Coetzee. This view has some support in U.K. case law. The decision of Walter v Lane held that exact transcriptions of speeches by journalists, in shorthand on reporter’s notepads, were original works, and thus copyrightable in themselves. The opinion by Hugh Laddie, Justice Laddie, in his book The Modern Law of Copyright, points out that photographs lie on a continuum, and that photographs can be simple copies, derivative works, or original works:

“[…] it is submitted that a person who makes a photograph merely by placing a drawing or painting on the glass of a photocopying machine and pressing the button gets no copyright at all; but he might get a copyright if he employed skill and labour in assembling the thing to be photocopied, as where he made a montage.”

Various aspects of this continuum have already been explored in the courts. Justice Neuberger, in the decision at Antiquesportfolio.com v Rodney Fitch & Co. held that a photograph of a three-dimensional object would be copyrightable if some exercise of judgement of the photographer in matters of angle, lighting, film speed, and focus were involved. That exercise would create an original work. Justice Oliver similarly held, in Interlego v Tyco Industries, that “[i]t takes great skill, judgement and labour to produce a good copy by painting or to produce an enlarged photograph from a positive print, but no-one would reasonably contend that the copy, painting, or enlargement was an ‘original’ artistic work in which the copier is entitled to claim copyright. Skill, labour or judgement merely in the process of copying cannot confer originality.”.

In 2000 the Museums Copyright Group, a copyright lobbying group, commissioned a report and legal opinion on the implications of the Bridgeman case for the UK, which stated:

“Revenue raised from reproduction fees and licensing is vital to museums to support their primary educational and curatorial objectives. Museums also rely on copyright in photographs of works of art to protect their collections from inaccurate reproduction and captioning… as a matter of principle, a photograph of an artistic work can qualify for copyright protection in English law”. The report concluded by advocating that “museums must continue to lobby” to protect their interests, to prevent inferior quality images of their collections being distributed, and “not least to protect a vital source of income”.

Several people and organizations in the U.K. have been awaiting a test case that directly addresses the issue of copyrightability of exact photographic reproductions of works in other media. The commonly cited legal case Bridgeman Art Library v. Corel Corp. found that there is no originality where the aim and the result is a faithful and exact reproduction of the original work. The case was heard twice in New York, once applying UK law and once applying US law. It cited the prior UK case of Interlego v Tyco Industries (1988) in which Lord Oliver stated that “Skill, labour or judgement merely in the process of copying cannot confer originality.”

“What is important about a drawing is what is visually significant and the re-drawing of an existing drawing […] does not make it an original artistic work, however much labour and skill may have gone into the process of reproduction […]”

The Interlego judgement had itself drawn upon another UK case two years earlier, Coca-Cola Go’s Applications, in which the House of Lords drew attention to the “undesirability” of plaintiffs seeking to expand intellectual property law beyond the purpose of its creation in order to create an “undeserving monopoly”. It commented on this, that “To accord an independent artistic copyright to every such reproduction would be to enable the period of artistic copyright in what is, essentially, the same work to be extended indefinitely… ”

The Bridgeman case concluded that whether under UK or US law, such reproductions of copyright-expired material were not capable of being copyrighted.

The unsuccessful plaintiff, Bridgeman Art Library, stated in 2006 in written evidence to the House of Commons Committee on Culture, Media and Sport that it was “looking for a similar test case in the U.K. or Europe to fight which would strengthen our position”.

The National Portrait Gallery is a non-departmental public body based in London England and sponsored by the Department for Culture, Media and Sport. Founded in 1856, it houses a collection of portraits of historically important and famous British people. The gallery contains more than 11,000 portraits and 7,000 light-sensitive works in its Primary Collection, 320,000 in the Reference Collection, over 200,000 pictures and negatives in the Photographs Collection and a library of around 35,000 books and manuscripts. (More on the National Portrait Gallery here)

The gallery’s solicitors are Farrer & Co LLP, of London. Farrer’s clients have notably included the British Royal Family, in a case related to extracts from letters sent by Diana, Princess of Wales which were published in a book by ex-butler Paul Burrell. (In that case, the claim was deemed unlikely to succeed, as the extracts were not likely to be in breach of copyright law.)

Farrer & Co have close ties with industry interest groups related to copyright law. Peter Wienand, Head of Intellectual Property at Farrer & Co., is a member of the Executive body of the Museums Copyright Group, which is chaired by Tom Morgan, Head of Rights and Reproductions at the National Portrait Gallery. The Museums Copyright Group acts as a lobbying organization for “the interests and activities of museums and galleries in the area of [intellectual property rights]”, which reacted strongly against the Bridgeman Art Library v. Corel Corp. case.

Wikimedia Commons is a repository of images, media, and other material free for use by anyone in the world. It is operated by a community of 21,000 active volunteers, with specialist rights such as deletion and blocking restricted to around 270 experienced users in the community (known as “administrators”) who are trusted by the community to use them to enact the wishes and policies of the community. Commons is hosted by the Wikimedia Foundation, a charitable body whose mission is to make available free knowledge and historic and other material which is legally distributable under US law. (More on Commons here)

The legal threat also sparked discussions of moral issues and issues of public policy in several Internet discussion fora, including Slashdot, over the weekend. One major public policy issue relates to how the public domain should be preserved.

Some of the public policy debate over the weekend has echoed earlier opinions presented by Kenneth Hamma, the executive director for Digital Policy at the J. Paul Getty Trust. Writing in D-Lib Magazine in November 2005, Hamma observed:

“Art museums and many other collecting institutions in this country hold a trove of public-domain works of art. These are works whose age precludes continued protection under copyright law. The works are the result of and evidence for human creativity over thousands of years, an activity museums celebrate by their very existence. For reasons that seem too frequently unexamined, many museums erect barriers that contribute to keeping quality images of public domain works out of the hands of the general public, of educators, and of the general milieu of creativity. In restricting access, art museums effectively take a stand against the creativity they otherwise celebrate. This conflict arises as a result of the widely accepted practice of asserting rights in the images that the museums make of the public domain works of art in their collections.”

He also stated:

“This resistance to free and unfettered access may well result from a seemingly well-grounded concern: many museums assume that an important part of their core business is the acquisition and management of rights in art works to maximum return on investment. That might be true in the case of the recording industry, but it should not be true for nonprofit institutions holding public domain art works; it is not even their secondary business. Indeed, restricting access seems all the more inappropriate when measured against a museum’s mission — a responsibility to provide public access. Their charitable, financial, and tax-exempt status demands such. The assertion of rights in public domain works of art — images that at their best closely replicate the values of the original work — differs in almost every way from the rights managed by the recording industry. Because museums and other similar collecting institutions are part of the private nonprofit sector, the obligation to treat assets as held in public trust should replace the for-profit goal. To do otherwise, undermines the very nature of what such institutions were created to do.”

Hamma observed in 2005 that “[w]hile examples of museums chasing down digital image miscreants are rare to non-existent, the expectation that museums might do so has had a stultifying effect on the development of digital image libraries for teaching and research.”

The NPG, which has been taking action with respect to these images since at least 2005, is a public body. It was established by Act of Parliament, the current Act being the Museums and Galleries Act 1992. In that Act, the NPG Board of Trustees is charged with maintaining “a collection of portraits of the most eminent persons in British history, of other works of art relevant to portraiture and of documents relating to those portraits and other works of art”. It also has the tasks of “secur[ing] that the portraits are exhibited to the public” and “generally promot[ing] the public’s enjoyment and understanding of portraiture of British persons and British history through portraiture both by means of the Board’s collection and by such other means as they consider appropriate”.

Several commentators have questioned how the NPG’s statutory goals align with its threat of legal action. Mike Masnick, founder of Techdirt, asked “The people who run the Gallery should be ashamed of themselves. They ought to go back and read their own mission statement[. …] How, exactly, does suing someone for getting those portraits more attention achieve that goal?” (external link Masnick’s). L. Sutherland of Bigmouthmedia asked “As the paintings of the NPG technically belong to the nation, does that mean that they should also belong to anyone that has access to a computer?”

Other public policy debates that have been sparked have included the applicability of U.K. courts, and U.K. law, to the actions of a U.S. citizen, residing in the U.S., uploading files to servers hosted in the U.S.. Two major schools of thought have emerged. Both see the issue as encroachment of one legal system upon another. But they differ as to which system is encroaching. One view is that the free culture movement is attempting to impose the values and laws of the U.S. legal system, including its case law such as Bridgeman Art Library v. Corel Corp., upon the rest of the world. Another view is that a U.K. institution is attempting to control, through legal action, the actions of a U.S. citizen on U.S. soil.

David Gerard, former Press Officer for Wikimedia UK, the U.K. chapter of the Wikimedia Foundation, which has been involved with the “Wikipedia Loves Art” contest to create free content photographs of exhibits at the Victoria and Albert Museum, stated on Slashdot that “The NPG actually acknowledges in their letter that the poster’s actions were entirely legal in America, and that they’re making a threat just because they think they can. The Wikimedia community and the WMF are absolutely on the side of these public domain images remaining in the public domain. The NPG will be getting radioactive publicity from this. Imagine the NPG being known to American tourists as somewhere that sues Americans just because it thinks it can.”

Benjamin Crowell, a physics teacher at Fullerton College in California, stated that he had received a letter from the Copyright Officer at the NPG in 2004, with respect to the picture of the portrait of Isaac Newton used in his physics textbooks, that he publishes in the U.S. under a free content copyright licence, to which he had replied with a pointer to Bridgeman Art Library v. Corel Corp..

The Wikimedia Foundation takes a similar stance. Erik Möller, the Deputy Director of the US-based Wikimedia Foundation wrote in 2008 that “we’ve consistently held that faithful reproductions of two-dimensional public domain works which are nothing more than reproductions should be considered public domain for licensing purposes”.

Contacted over the weekend, the NPG issued a statement to Wikinews:

“The National Portrait Gallery is very strongly committed to giving access to its Collection. In the past five years the Gallery has spent around £1 million digitising its Collection to make it widely available for study and enjoyment. We have so far made available on our website more than 60,000 digital images, which have attracted millions of users, and we believe this extensive programme is of great public benefit.
“The Gallery supports Wikipedia in its aim of making knowledge widely available and we would be happy for the site to use our low-resolution images, sufficient for most forms of public access, subject to safeguards. However, in March 2009 over 3000 high-resolution files were appropriated from the National Portrait Gallery website and published on Wikipedia without permission.
“The Gallery is very concerned that potential loss of licensing income from the high-resolution files threatens its ability to reinvest in its digitisation programme and so make further images available. It is one of the Gallery’s primary purposes to make as much of the Collection available as possible for the public to view.
“Digitisation involves huge costs including research, cataloguing, conservation and highly-skilled photography. Images then need to be made available on the Gallery website as part of a structured and authoritative database. To date, Wikipedia has not responded to our requests to discuss the issue and so the National Portrait Gallery has been obliged to issue a lawyer’s letter. The Gallery remains willing to enter into a dialogue with Wikipedia.

In fact, Matthew Bailey, the Gallery’s (then) Assistant Picture Library Manager, had already once been in a similar dialogue. Ryan Kaldari, an amateur photographer from Nashville, Tennessee, who also volunteers at the Wikimedia Commons, states that he was in correspondence with Bailey in October 2006. In that correspondence, according to Kaldari, he and Bailey failed to conclude any arrangement.

Jay Walsh, the Head of Communications for the Wikimedia Foundation, which hosts the Commons, called the gallery’s actions “unfortunate” in the Foundation’s statement, issued on Tuesday July 14:

“The mission of the Wikimedia Foundation is to empower and engage people around the world to collect and develop educational content under a free license or in the public domain, and to disseminate it effectively and globally. To that end, we have very productive working relationships with a number of galleries, archives, museums and libraries around the world, who join with us to make their educational materials available to the public.
“The Wikimedia Foundation does not control user behavior, nor have we reviewed every action taken by that user. Nonetheless, it is our general understanding that the user in question has behaved in accordance with our mission, with the general goal of making public domain materials available via our Wikimedia Commons project, and in accordance with applicable law.”

The Foundation added in its statement that as far as it was aware, the NPG had not attempted “constructive dialogue”, and that the volunteer community was presently discussing the matter independently.

In part, the lack of past agreement may have been because of a misunderstanding by the National Portrait Gallery of Commons and Wikipedia’s free content mandate; and of the differences between Wikipedia, the Wikimedia Foundation, the Wikimedia Commons, and the individual volunteer workers who participate on the various projects supported by the Foundation.

Like Coetzee, Ryan Kaldari is a volunteer worker who does not represent Wikipedia or the Wikimedia Commons. (Such representation is impossible. Both Wikipedia and the Commons are endeavours supported by the Wikimedia Foundation, and not organizations in themselves.) Nor, again like Coetzee, does he represent the Wikimedia Foundation.

Kaldari states that he explained the free content mandate to Bailey. Bailey had, according to copies of his messages provided by Kaldari, offered content to Wikipedia (naming as an example the photograph of John Opie‘s 1797 portrait of Mary Wollstonecraft, whose copyright term has since expired) but on condition that it not be free content, but would be subject to restrictions on its distribution that would have made it impossible to use by any of the many organizations that make use of Wikipedia articles and the Commons repository, in the way that their site-wide “usable by anyone” licences ensures.

The proposed restrictions would have also made it impossible to host the images on Wikimedia Commons. The image of the National Portrait Gallery in this article, above, is one such free content image; it was provided and uploaded to the Wikimedia Commons under the terms of the GNU Free Documentation Licence, and is thus able to be used and republished not only on Wikipedia but also on Wikinews, on other Wikimedia Foundation projects, as well as by anyone in the world, subject to the terms of the GFDL, a license that guarantees attribution is provided to the creators of the image.

As Commons has grown, many other organizations have come to different arrangements with volunteers who work at the Wikimedia Commons and at Wikipedia. For example, in February 2009, fifteen international museums including the Brooklyn Museum and the Victoria and Albert Museum established a month-long competition where users were invited to visit in small teams and take high quality photographs of their non-copyright paintings and other exhibits, for upload to Wikimedia Commons and similar websites (with restrictions as to equipment, required in order to conserve the exhibits), as part of the “Wikipedia Loves Art” contest.

Approached for comment by Wikinews, Jim Killock, the executive director of the Open Rights Group, said “It’s pretty clear that these images themselves should be in the public domain. There is a clear public interest in making sure paintings and other works are usable by anyone once their term of copyright expires. This is what US courts have recognised, whatever the situation in UK law.”

The Digital Britain report, issued by the U.K.’s Department for Culture, Media, and Sport in June 2009, stated that “Public cultural institutions like Tate, the Royal Opera House, the RSC, the Film Council and many other museums, libraries, archives and galleries around the country now reach a wider public online.” Culture minster Ben Bradshaw was also approached by Wikinews for comment on the public policy issues surrounding the on-line availability of works in the public domain held in galleries, re-raised by the NPG’s threat of legal action, but had not responded by publication time.

Retrieved from “https://en.wikinews.org/w/index.php?title=U.K._National_Portrait_Gallery_threatens_U.S._citizen_with_legal_action_over_Wikimedia_images&oldid=4379037”
Filled Under: Uncategorized

By Scott Wilkins

Financial management is crucially important to the future growth or failure of small businesses. How the finances are used and accounted for could become the ‘make it or break it’ point for a small business. In fact, eight in ten new businesses fail due to faulty financial planning. But what exactly does this important management task involve? Well, it covers just about everything related to business operation. It will impact the future growth and success of all companies and organizations.

Financial management includes a wide variety of functions, from start-up organization such as attracting funding, terms regarding funding, initial business establishment, maintenance and expenditures to balancing operative necessities such as inventory and business materials. How a business plans to use finances will impact the rate of production and the total amount of items produced, as well as the ability to market a product or service to the target audience. In addition, financial planning will affect the human resources available to be employed in the financial, production, sales and management sectors of the business, on top of those required to be recruited for other key areas of new businesses.

New start-ups face a cutthroat business industry, regardless of the innovative or important nature of the product or service. Staying at the forefront of financial management will be a large factor a business’s survival and profitability. In order to do so, there are several areas you must focus on: bookkeeping, budgeting and financial analysis.

[youtube]http://www.youtube.com/watch?v=6HOepD4ePWs[/youtube]

A new business manager should hire experts for guidance in the early stages of a small business, but should quickly learn how to perform these functions on their own. Begin with finding an experienced treasurer, who can provide financial leadership, if you are running a corporation.

Hire an accountant, but beware that the selection of an independent contractor over a full-time employee may result in the increased possibility of a tax audit. An accountant will help with generating a bookkeeping system, financial statements and analysis – but as the manager of a small business, the final call on how to interpret data for future business decision-making must be yours. Thus, it is very important that you are able to understand these key financial records. You might also consider purchasing accounting software to help in these functions, and, of course, select a valuable banker to aid in the flow of all funds.

Bookkeeping basics, such as recording transactions in specific charts, can be found easily online. This is an important financial management function, as it shows where funds are being dispersed, as well as minimizing errors and helping to avoid offenses such as fraud and forgery.

The ability to read and analyze financial statements is another crucial financial planning requirement. This will allow a small business manager to see the values of a company’s income, expenditures, assets and debts. This is also where another tricky part of financial management enters the picture: debt collection. Find a lawyer to inform you of your rights, and keep them available in case you need help solving a difficult situation in the future.

Small businesses are up against great odds, but don’t let that scare you away from what could potentially be a profitable venture. Your success will depend largely upon your financial management.

About the Author: Scott Wilkins is a Canadian business and financial expert. To buy custom laser cheques or to purchase inexpensive business cheques please visit Cheque Depot.

Source: isnare.com

Permanent Link: isnare.com/?aid=563638&ca=Business

">
Couple takes lawyer hostage and said to have explosives

Tuesday, January 17, 2006

A male and a female took 3 people hostage at a law firm in Statesboro, Georgia. Police blocked off a part of this rural town on Monday. Two suspects , a man and a woman, took a lawyer hostage and claimed that they had explosives.

The suspects, Robert Eugene Brower, 43, a former client of the lawyer, and the female whose name was not released, gave up after demands for cigarettes and food were met and they spoke with a family member.

The standoff lasted for 24 hours and ended, “peacefully,” at around 10AM said Larry Schnall, a spokesman for the Georgia State Patrol.

The last of the 3 hostages to be released was identified as Michael Hostilo. He and the other two hostages were not injured. There is no word on the names of the other hostages.

Earlier reports stated that there had been a “loud boom” coming from the scene at about six o’clock this morning. Authorities have not stated what the booms were.

Police are now inside the building to locate and defuse the explosive device that the suspects claimed to have had.

Initially when police arrived, there were 3 hostages, but 2 had been recently released and were unharmed, said Maggie Fitzgerald, a city spokeswoman. “They are upset with some legal issues within the recent past and want to get those issues resolved. We are doing everything possible to end this situation without anyone being hurt.”

In a news conference Monday night, Police Chief Stan York said Brower was angry about “having been convicted in a criminal case”, in which the lawyer was his court-appointed attorney. York did not elaborate on the demands of the hostage-takers, other than saying, “they only wanted to call attention to the case.”

Georgia State Trooper Larry Schnall, a spokesman for the Georgia State Patrol, said a SWAT team was sent to the scene.

This morning authorities convinced the two suspects to give-up, but “incidents leading to an escalation resulted in some gunfire,” Stan York in a press conference just moments ago. No one was hurt in the brief eruption of gunfire.

Police later said when the suspects tried to surrender they became apprehensive and made a threatening gesture prompting authorities to draw their guns and open fire.

The standoff began at around 9AM on Monday.

Retrieved from “https://en.wikinews.org/w/index.php?title=Couple_takes_lawyer_hostage_and_said_to_have_explosives&oldid=4011410”
Filled Under: Uncategorized
">
Claims from British quake may run into “low tens of millions of pounds” – Insurance association reps

Thursday, February 28, 2008

Representatives from the British insurance industry have said that the cost of the earthquake which hit Britain early yesterday could be over 10 million GBP. The Association of British Insurers has said in a statement that the cost for the earthquake is “likely to run into the low tens of millions of pounds.”

The Senior claims manager at the UK bank Norwich Union has described the damage by saying that at the moment most insurance claims regarding the earthquake describe “minor damage such as tiles off roofs, breakages inside the homes and brick walls collapsing.” It has also been reported that approximately 1,200 insurance claims were made in the first twelve hours after the earthquake hit Britain.

These reports come one day after the United Kingdom was hit by a 5.2 earthquake. Tremors were reported as widespread as Edinburgh, Manchester, Sheffield, Middlesbrough, Cambridge, London, Birmingham and Southampton .

Retrieved from “https://en.wikinews.org/w/index.php?title=Claims_from_British_quake_may_run_into_%22low_tens_of_millions_of_pounds%22_-_Insurance_association_reps&oldid=4510255”
Filled Under: Uncategorized

A Guide to Healthcare Insurance Software

by

Shaun Mike

The basic purpose of a health insurance software is to make insurance shopping a pleasurable and easier experience for the customers. For the agents and health insurance professionals, it should help them serve their clients better and faster.

The basic functions of health insurance software are:

-Simplify insurance claims

-Frees up resources that are then used for serving the clients better

-Develop new products and solutions

There are various insurance softwares that cater to varied insurance needs such as basic record keeping, plan comparisons, claims processing, etc.

[youtube]http://www.youtube.com/watch?v=AZcI93uh0xM[/youtube]

All health insurance software, though, have the following basic features:

-They speed up the claim process by reducing the paperwork

-Computerized records ensure that medical billing and insurance errors are almost nil

-Productivity and efficiency is improved that leads to increased customer satisfaction

Some of the basic softwares that an insurance company should incorporate in its web portal are:

1.Quote Engine: A quote engine will help a potential customer to find out all the health plans of the insurance company that are in accordance with the needs of the customer. A quote engine provides the insurance company an opportunity to showcase their products and services.

2.Comparison tool: Quote comparison is one the basic step before a customer decides on a plan. A comparison tool is a good way to advertise that if they shop from that particular portal, they will get the best value for money.

3.A basic record maintaining software that stores the administrative data of every client of the insurance company and every application that the company receives.

4.An Electronic Health Record (EHR) software that maintains the medical history of every client and which can be used as reference when deciding claims

It is not just about accessing the software, but a health insurance company should have careful considerations in mind before its decides to go in for any software on its internet platform.

Make sure that the insurance software is HIPAA compliant. Health Insurance Portability and Accountability Act sets certain regulations and all insurance softwares should be HIPAA compatible.

With the new Patient Protection and Affordable Care Act getting enforced, the new softwares also have to be in accordance with the new federal reforms.

It should be easy to update the healthcare insurance software according to the latest premium rates and insurance regulations.

Healthcare insurance softwares are an important tool for insurance professionals to serve their clients efficiently. They help a great deal in knowing and purchasing of health plans and faster processing of applications and claims making the lives of consumers, brokers and insurance companies easier.

Shaun Mike is well known authority on health insurance in the US. He is currently looking to expand his expertise to health insurance and other

healthcare software

available.

Article Source:

ArticleRich.com

Filled Under: Insurance
">
Interview with Jimbo Wales
This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

Saturday, December 10, 2005

While this wasn’t Interview with the Vampire, getting a live interview with Jimmy Wales of the Wikimedia Foundation is requiring more work and planning than ever. Four contributors to four different Wikinews language editions (with Swedish, Netherlands, and Polish) arranged to interview “Jimbo” in the Wikinews IRC channel, squeezed in before interviews with a periodical and a cable news source.

Retrieved from “https://en.wikinews.org/w/index.php?title=Interview_with_Jimbo_Wales&oldid=4635189”
Filled Under: Uncategorized

Submitted by: Ron Bergman

There are a lot of insurance companies who will promote their service in a way that tells you they will save you money. However many of these use this as bait to lure you so that you become customers, and start making them more money. When it comes the time to file a claim, there is a host of paperwork that needs to be filled out, red tape to try to muddle through, and a host of other requirements that simply make it far too difficult to actually get the payout.

Often times the insurance company simply will not pay out as much as they should, and will only fork over a nominal fee that doesn’t even come close to covering the damages that they should be covering. Here is what to do if you are forced to dispute your car insurance claim:

1. Contract an independent appraisal company or agent to come and give your car an evaluation. Of course using the independent appraiser means that the evaluation is not influenced by any insurance company, providing you with an honest evaluation.

[youtube]http://www.youtube.com/watch?v=DVegFQ54OSg[/youtube]

2. When the appraisal has been completed, get the appraiser to furnish a copy of the report to yourself and the insurance company.

3. To avoid the officialdom of arbitration, it’s much better if you are able to mediate the entire dispute. By hiring any mediator to go over the appraisal report, you can learn the most beneficial and simplest way in which to settle your claim dispute. This will be in the form of unofficial advice detailing how best to finalise the case. The benefit to you in using a mediator is that the information you are given is purely unofficial, which means you don’t have to follow it if you don’t want to.

4. If mediation is unsuccessful, arbitration is the next step to take. In this case an attorney would deal with the dispute, meaning that would have to hand over any form of evidence you have acquired, to your attorney. You may need to find witnesses, and you will also need to present the report of the independent appraiser. In some ways the downside, but often the better outcome, by using arbitration to settle your insurance claim, you will be legally bound by the decision of the arbitrator.

5. Often the insurance companies will simply refuse to pay out the adjusted insurance, even after the arbitrator has ruled that they need to do so. That is when you will need to take the insurance company to court and sue them to pay out the correct amount. As you would have the assessment from the mediator, the ruling by the arbitrator, most judges are going to award your entitlements. You need to make sure that you hire a great lawyer if you decide that you are going to take the insurance company to court. Your insurance company is going to have a sharp legal team working for them, whose only role is to get the insurers out of having to pay up.

Disputing any car insurance claim, is likely to be an expensive and time consuming process. You could have to contract a mediator, an arbitrator, and an attorney to take it to court. You will need to make sure that any amount you are likely to receive through the courts is going to cover all of your costs.

About the Author: If you live in California and looking for

car insurance online

, be sure to check out author’s web site on

California car insurance

and how to get

California car insurance quotes

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=831534&ca=Automotive}

Filled Under: Insurance
">
Engine troubles delay Airbus superjumbo tour

Saturday, November 5, 2005

The departure from France of the new Airbus A380 superjumbo airliner on a tour of Asia and Australia has been delayed, leading to a rearrangement of its public appearances. Citing “a precautionary measure”, Airbus announced that two of the Rolls-Royce Trent 900 engines on the prototype airliner would be replaced before the tour commenced.

Singapore will remain the airliner’s first stop, where Singapore Airlines will display the aircraft they intend to launch into passenger-carrying service in November 2006. It is expected that the Airbus 380 will wear the livery of Singapore Airlines when it arrives on November 11, three days later than originally planned.

The massive airliner will then bypass the planned stop in Malaysia, and fly directly to Sydney, then Melbourne and Brisbane as part of the leadup to Qantas’ 85th birthday celebrations on November 16. Qantas plans to commence A380 operations starting in April 2007.

The Malaysia visit will be rescheduled for November 17, occurring during the return flight to France.

It is unclear whether the originally planned Australian tour dates can be kept, and sources indicate that the airliner’s first stop in Brisbane, on November 11, maybe eliminated in favour of a brief appearance on November 16.

Retrieved from “https://en.wikinews.org/w/index.php?title=Engine_troubles_delay_Airbus_superjumbo_tour&oldid=673221”
Filled Under: Uncategorized

April

15

British man fully “recovers” from HIV

">
British man fully “recovers” from HIV
Posted by Admin , No Comments

Sunday, November 13, 2005

A 25 year old British man has been reported to have made a full recovery from the HIV virus . Andrew Stimpson did not take any drug treatments after being diagnosed with the virus in August 2002 and was found HIV negative in October 2003.

Stimpson’s two HIV tests were performed by the Chelsea and Westminster Healthcare NHS Trust. It has been reported that the hospital is standing by the validity of the two tests that have so far been performed. The hospital would like to perform additional tests that might reveal an explanation for the two contradictory test results. Tests used for diagnosis of HIV infection can produce false positive results. When this happens, additional testing is required in order to determine if there ever was an actual infection. Some news reports suggest that Stimpson may have had contact with someone known to be HIV-positive and that multiple HIV tests performed by a clinic all gave positive results for Stimpson before he was first tested by the Chelsea and Westminster hospital. However, Michael Hopkin of the British journal Nature, has reported that while Stimpson tested positive for antibodies to HIV in 2002, “tests done during more than two dozen visits in 2003 and 2004 proved negative for the antibodies”. This suggests that either HIV infection took an unusual course in Stimpson or the original test results indicating infection were a false positive.

Many similar cases have been reported in Africa, where the virus is widespread. Due to poor medical facilities all of these reports have been largely anecdotal—Mr Stimpson represents the first well documented case. However, until additional tests are performed it is impossible to know if the second test was a false negative. Dr. Andrew Grulich, who has a PhD in epidemiology and works at the National Centre in HIV Epidemiology and Clinical Research at the University of New South Wales has expressed doubt that Stimpson was cured of an HIV infection. In some infected patients, HIV levels can fall to undetectably low levels until their immune system is defeated and virus levels begin to rise.

This discovery may offer a promising new window into how the virus works and furthers hopes that one day a vaccine and/or cure will be found for the disease that is carried by around 35 million people worldwide.

Retrieved from “https://en.wikinews.org/w/index.php?title=British_man_fully_%22recovers%22_from_HIV&oldid=4627210”
Filled Under: Uncategorized
No Comments