Your Responsibilities With Hiring A Rental Car

If you’re driving a rental car and are involved in a collision with another car whose insurance is responsible for the damages? If this were a privately owned or leased vehicle, naturally, the driver “at fault” would be responsible for the damages. Using a car damage Inspection App when you take out a rental car can help you avoid some of the pitfalls that face a person on getting a rental that they crash. Because you are renting a vehicle (the rental company that legally owns these vehicles), you owe some legal responsibility to that entity. When you rent a car or a truck, you are responsible for any and all losses or damages that occur during your rental period. Remember, you’re assuming responsibility for the rental car is not conditional. You are agreeing to take responsibility for whatever condition the car is in.  The same principle holds true if someone else collides with you. Even though the accident might be technically their fault, you will still be responsible for any damages incurred, according to the rental company. The only exception to this rule is if you accept and sign a collision and loss damage waiver contract offered by the car rental company. This contract states that in exchange for a fee, the driver will not held be responsible for damages that are accidental or unpreventable.

If you currently pay for liability coverage or full coverage on your home vehicle, then sometimes, the same coverage will apply for your rental car. However, this is not always the case and this can be an expensive mistake to discover long after you take that first drive. Under a very generous policy, liability coverage follows the owner, even if he or she is driving a rental car. Needless to say, not all rental coverage policies are that generous. Some policies only agree to pay liability insurance for insured cars, not just their drivers. What commonly happens is that over-confident auto renters assume that because they have liability insurance and a credit card, they are fully covered for any rental car damage. This couldn’t be further from the truth!

Only some credit card companies completely cover car rental arrangements, while others make conditional promises, and some do not cover rentals at all. Credit card insurance is usually supplemental insurance by nature. That means that the company will reimburse you for whatever damage is not covered by another insurance policy. If you are responsible for damaging someone else’s vehicle with your rental car, then you will have to pay for those damages as well. If someone injures you because of their negligent behaviour, then their insurance company will have to pay for your medical expenses. If you live in a no-fault state, then your insurance company must pay for the expenses. In regards to property, however, the only person you answer to is the rental company, because this is the party you first made the agreement with.

The car company will not cover any damages unless you purchase additional insurance policies. If you are involved in an accident, then always call the police to file a report. This can help to determine fault and prevent you having to pay for the other negligent driver’s expenses.

Always know what coverage you have before your rent and drive. Get this information from your liability insurance coverage, your car rental agreement, and your credit card company. You do not have to buy an insurance agreement directly from the rental company. You can find independent rental insurance companies online.

Reasons For Migrating Data

Data migration is becoming more prevalent today, be it personal user data migration, or data migration within larger companies. In order to facilitate and optimise data protection, data sometimes has the need to migrate (and I don’t mean south for the winter). Simply put, data migration is the process of transferring data between storage types, formats or computer systems, and forms an integral part of data management.  The primary need for data migration can be attributed to optimising data security. And different actions can be taken and policies implemented in order to improve the overall data protection.

The three most prominent actions that will have data migration as an implication are listed below:

  1. Storage Migration. The data backup industry is seeing a lot of this happen in recent years. Companies are changing the way in which they store their data, and this change in storage procedure leads to data being migrated, usually from unreliable forms of storage systems like on-site tape backup, to more efficient Cloud or Hybrid Cloud storage methods.
  2. Database Migration. At some point in your data management process, it might be necessary to move from one database vendor to another, or upgrade the software in use. This will most probably require changing the format in which the data is stored.
  3. Application Migration. Changing your central data management application like your CRM or ERP system will inevitably require a substantial amount of data migration.

Risks Involved With Migrating Data

Even though the initial reason for using a data migration specialist could be to ensure data security, there are also considerable risks to data protection involved when migrating data:

Data migration time. The time it takes to migrate the data is definitely something to keep in mind before you start the process. Data migration might take weeks, sometimes months. And if you didn’t back up properly or ensure a copy of the data, you won’t have access to that information for the duration of the migration process. This will cause downtime in your environment, and if you run a company dependent on that data, your company could end up bleeding unnecessary capital. Ouch.

Compatibility issues. A large percentage of data migration is not successful due to file corruption and lack of application compatibility.

Data loss. Data loss is the biggest concern when data migration is involved. By having a data migration strategy in place and a proper data backup policy, you are able to ensure the security of your data and prevent any loss. The irony is that most data migration projects are initiated to prevent data loss and optimise data security.

If data protection is not a key consideration and your data migration is not approached with care and diligence, the process could result in multiple incidents of data loss along the way.

Key Factors When Buying Medical Batteries

Are you in the market for? If so, then it’s important to know the various issues to consider to make sure you pick the right battery for your needs. Here are some of the most important issues:

  1. Device

When shopping for custom battery packs it’s important to know the medical device, the battery will be used for. This will help to make sure that the battery is compatible with the device. Always make sure that you’re getting a battery that works with a manufacturer /model. That will help to avoid picking the wrong battery.

There are also special cases such as picking batteries for imported medical devices. In that case, the battery manufacturer might need a license for those devices. However, it’s not always the case so always research to find out if a licensed battery is required for the medical device you’re getting it for. That will help to avoid possible issues.

  1. Power

This is one of the main issues to consider when picking a battery for medical devices. It’s important for the battery to supply enough power to the device. If it doesn’t it could become a serious problem. That’s because the device would be unable to function properly. It’s certainly a case you’ll want to avoid, such as when the device is a critical life-supporting one. In that situation, you’ll especially want to make sure that the device is constantly getting enough juice.

  1. Price

When looking for medical batteries as with other types it’s important to find a good price for the battery pack. Make sure that you’re paying a “good” price based on industry standards. Not only that but you should also consider the value you’re getting. It’s not worth paying a rock-bottom price if the battery’s quality is low-end. Always do some research to know exactly what you’re getting with the medical battery.

  1. Original/Compatible

This is a big issue that will affect the battery’s price and the quality. If you want a high-quality battery you should usually pick the original one. That will provide the same battery that’s likely bundled with the device.

That said, you can still find quality compatible batteries as well. This isn’t a bad idea since some batteries are near in quality to the original ones. Always make sure to do some research so you’ll know whether it’s the case. If it isn’t then you could end up with a low-end battery, which is a situation you’ll likely want to avoid.

  1. Quality

This will typically be somewhat related to the price of the battery. Make sure to go with quality brands that have a reputation for producing high-end batteries. If you don’t take that step you could end up with a low-quality battery that isn’t worth the low price it also has.

These are some of the most important issues when looking for medical batteries. Make sure to consider them so you’ll find the right battery for the right device.

 

Why You Need Product Development

Product development is simple in concept. It is the:

  • Conversion of market need to a reality-based solution
  • Creating the tangible from the intangible
  • Creation of new wealth

The success of product development efforts typically require considerable resources and the opportunity for lackluster results or outright failure are far higher than anyone will admit. Because of this high risk of failure, it is important to know why product development is important to companies and society.

Why Product Development is Important

Product engineering, is the life-blood of companies and societies. The product could be a physical product such as an automobile, smartphone, or coffee maker. It could also be services such as

new IT solution, new manufacturing process, or a new real estate marketing concept.

All successful product development actions provide the following:

  1. New value for customers
  2. Improved society
  3. Continued existence of the company

New Value for Customers

The first and most important reason for any new development is to provide new value to the customer. Without this, there is no reason for them to trade their money for the new device. However, if the product or service offers overwhelming value, then customers will flock to it.

This new and increasing value is what keeps companies growing. If there is no new value to offer customers, the firm wilts and eventually dies. If the value offered is not increasing, then the company is losing ground in the market as its competitors increase their value in the market.

Improved Society

Many new products are simply an incremental improvement over the previous version with only some new features or slight faster performance. These products may sustain the company by offering enough new value to generate additional revenue, but they are hardly a boon to society.

There are certain instances where new products will improve society beyond just the immediate gratification of the consumer. Example of these are innovative new drugs to treat debilitating diseases and automotive safety devices that save hundreds of lives per year. Neither of these may offer the consumer swift satisfaction, but they save lives and therefore improve society.

Continued Existence and Growth of the Company

New products and services are the lifeblood of any company. Without them, the firm withers on the vine and either dies or is absorbed by another firm. Society is well-served by the continuance of these companies from the employment of the individuals who work there (who are also consumers), and the support for society at-large in the form of taxation and charitable giving.

Companies (and civilizations) have little choice but grow and improve if they want to move from survival to thriving. The new products and services created and provided by companies of all sizes provide the mechanism for this growth and improvement. What are you and your firm doing to improve?

Leased VS Owning Outright

The more money you can save on costs to run your business, the better. However, business decisions are not always just about the bottom line. In some cases, the line between the red and black can be a little blurred. Such is the case when trying to decide between buying or leasing a printer. Printers used for large-scale business applications can be expensive and cost you significant money up front. Printer rental in London is an option to allay those costs, but you may end up paying more in the long run. You should take into account several considerations when deciding between the two.

Startup Costs

The initial cost for buying a printer for your office may be several hundred or thousand dollars. This amount depends on the quality of the equipment you buy. You may need more than one printer. The initial cost of renting printers is significantly less than buying printers outright. You may end up paying an initial security deposit and your first month’s rental fees, but this should leave you with some additional money in the bank that you can use for other purposes.

Technological Changes

As technology continues to change rapidly, it may be necessary to replace your printers fairly often to keep up with those changes. If you buy your printers, replacing them will cost you a significant amount of money each time you do so. This may give you reason to hold off on purchases for a year or two until your old printers become obsolete. If you have a good lease, however, you may be able to upgrade your equipment without any significant change in price and as often as needed. The downside to leasing, in terms of technological upgrades, is that you may not have much choice when it comes to the new equipment you get.

Support

Leasing with the right company can present you with a significant advantage when it comes to getting technical support. Leasing companies generally provide support for the products they lease, and such support may cost you no additional money out of your pocket. Buying a printer, however, will require that you pay for your own repairs and rely on the manufacturer for technical support. This can prove to be expensive if you have to buy additional parts. The cost of printer ink also may add up fairly quickly if you buy, whereas a leasing company may replace ink for you as needed.

Taxes

When it comes to tax deductions, both printing and leasing can help you reduce your tax liability. In general, the Internal Revenue Service will allow you to deduct certain costs associated with running your business. Equipment costs, whether leased or purchased, are usually lumped in with those tax deductions. Generally though, the tax deductions tend to be more significant if you purchase the equipment.

Epson multifunctional printer or Oki multifunctional printer

A Multifunction Printer like the Epson multifunctional printer or the oki multifunctional printer, often referred to as an MFP, is a device that consolidates the functionality of a printer, copier, scanner and/or fax into one machine. Multifunction Printers are a common choice for budget-minded businesses that want to consolidate assets, reduce costs, and improve workflow. If also considering scanners, take a look at our list of multifunction printers, specifically recommended for scanning documents.

Multifunction Printer Evaluation Considerations

To make an informed decision about what multifunction printer is right for you, you need to ask the right questions. Here are the ten things you must know before you buy a multifunction printer.

1. Know your requirements

Understand what you need the multifunction printer to do for you and your end users. Beyond printing and copying, how do you want to use the multifunction printer to help manage documents, reduce paper, simplify workflow, manage forms, etc? How many copy, print, fax, scan, and email jobs will you run each day? How many users will share the device? Will you need it to be color capable? There are a number of requirements to consider.

Samsung showcases a new range of LED Monitors – Samsung LED Monitor Series 9 & Samsung LED Monitor Series 5, featuring the innovative Mobile High-Definition Link (MHL) technology.
Also previewed the Samsung SCX 3405FW Multifunction Mono Laser Printer, exhibiting Smart Printing attributes and the ever-convenient Mobile Print feature.

2. Know the Total Cost of Ownership (TCO) and Cost/Value benefits

When evaluating a multifunction printer, beware of looking only at the cost of the initial hardware. There are a number of other factors to consider, including the cost of supplies. Once ink costs are taken into consideration, inkjet multifunction printers, initially perceived as being low cost, often turn out to have an equivalent or higher TCO than the higher performing laser and solid ink multifunction printers. TCO can also increase significantly for devices that are hard to use and maintain, unreliable, or lack the features and capability to efficiently and effectively produce the results you need.

Your multifunction printer can become a useful asset in managing and controlling costs for printing and imaging, and can also add new capabilities to your organization if you choose wisely. Consider how multifunction printers can address total cost of ownership for printing and imaging assets, better consolidate and improve management of resources across the organization, and improve business process efficiency.

3. Know what third parties have to say

Compare the data on the actual performance and management and support issues promoted on the vendor’s specification sheets with data from independent testing agencies. What are experienced people in the industry saying about the quality and performance of the product you are considering?

4. Know how easy it is to connect to an existing network

Consider how easily the multifunction printer system will integrate with your existing network. Is it easy to deploy? Does it require minimal start-up training? Does it come with software or wizards to guide you through installation, troubleshooting, and upgrading?

5. Know how easy it is to use

Prevent bottlenecks and costly employee down time by finding a multifunction printer that’s easy to operate. Check for intuitive user interfaces, minimal training requirements, and easily accessible online help and documentation. If you do need support, check that the product is backed by manufacturer-provided service and support coverage.

Avoid Being Charged For Rental Car Damage?

If you’re driving a rental car and are involved in a collision with another car whose insurance is responsible for the damages? If this were a privately owned or leased vehicle, naturally, the driver “at fault” would be responsible for the damages. Using a Car Damage Inspection App when you take out a rental car can help you avoid some of the pitfalls that face a person on getting a rental that they crash. Because you are renting a vehicle (the rental company that legally owns these vehicles), you owe some legal responsibility to that entity. When you rent a car or a truck, you are responsible for any and all losses or damages that occur during your rental period.

Remember, you’re assuming responsibility for the rental car is not conditional. You are agreeing to take responsibility for whatever condition the car is in.  The same principle holds true if someone else collides with you. Even though the accident might be technically their fault, you will still be responsible for any damages incurred, according to the rental company. The only exception to this rule is if you accept and sign a collision and loss damage waiver contract offered by the car rental company. This contract states that in exchange for a fee, the driver will not held be responsible for damages that are accidental or unpreventable. If you currently pay for liability coverage or full coverage on your home vehicle, then sometimes, the same coverage will apply for your rental car.

However, this is not always the case and this can be an expensive mistake to discover long after you take that first drive. Under a very generous policy, liability coverage follows the owner, even if he or she is driving a rental car. Needless to say, not all rental coverage policies are that generous. Some policies only agree to pay liability insurance for insured cars, not just their drivers. What commonly happens is that over-confident auto renters assume that because they have liability insurance and a credit card, they are fully covered for any rental car damage. This couldn’t be further from the truth!

Only some credit card companies completely cover car rental arrangements, while others make conditional promises, and some do not cover rentals at all. Credit card insurance is usually supplemental insurance by nature. That means that the company will reimburse you for whatever damage is not covered by another insurance policy. If you are responsible for damaging someone else’s vehicle with your rental car, then you will have to pay for those damages as well. If someone injures you because of their negligent behaviour, then their insurance company will have to pay for your medical expenses. If you live in a no-fault state, then your insurance company must pay for the expenses. In regards to property, however, the only person you answer to is the rental company, because this is the party you first made the agreement with.

The car company will not cover any damages unless you purchase additional insurance policies. If you are involved in an accident, then always call the police to file a report. This can help to determine fault and prevent you having to pay for the other negligent driver’s expenses.

Always know what coverage you have before your rent and drive. Get this information from your liability insurance coverage, your car rental agreement, and your credit card company. You do not have to buy an insurance agreement directly from the rental company. You can find independent rental insurance companies online.

 

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Myth Busters: Working in Retail

Working in retail is one of the most common jobs out there, especially in a time where consumption and material wealth is so high on the agenda of some. Shopping demands are high as are the demands for longer opening hours of shops and earlier opening times. In the inner-city areas, shops are operating twenty-four hour services in some cases and even fast food restaurants are going into the business of being awake twenty-four hours a day. There are a lot of myths surrounding working in retail and in this article, we are going to bust those myths for you.merchant service solution

Myth 1: Most retail workers are young adults or students.

The average age of a retail worker is 37 and the job they hold in a retail capacity is a main income for a family.

Myth 2: Retail workers are unskilled.

28% of retail workers have completed a degree and the list of skills a retail worker needs is not exhaustive. They need to have soft and hard skills including product knowledge, merchant service solution knowledge, ability to relate to customers, and an increasing understanding of online sales and online technology.

Myth 3: Most retail workers only do the job temporarily while they wait to climb the corporate ladder.

Retail has one of the highest turnovers compared to every other industry but most retail workers stay within the industry itself even if they move from job to job. This means that the industry itself isn’t the problem, but the individual employers that pay low wages and offer no benefits – so those who offer only zero hours’ contracts – are the problem.

Myth 4: Retail work is an entry level position.

There are more than 15 million people working in the retail sector and this number is growing in some places and decreasing in others that are employing more self-service tills than people. More than one in ten jobs is retail trade and unlikely for most that they will ever leave the industry.

Myth 5: Retail workers are lazy and that’s why they chose to work in a shop.

Totally wrong. Retail is one of the toughest customer facing industries to work in. Serving people daily – people who think everything they do is wrong – is hard. It’s tough to be on feet and standing for an entire shift and dealing with customers who, while for the most part, are pleasant, you do get the occasional person who thinks that they know better than the worker!

Ultimately, it’s important to understand that someone working in retail is there to help and not there to just to you a favour. Retail is an industry that is ever changing and playing catch up to the newest ways of doing things can be difficult. It isn’t easy work and it makes it harder when the public don’t understand that fact. Learning new software as tills update and card payment systems update is difficult to follow.