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Good day friends! I am excited about this new month upon us. Today is the day we will start our month off right!
Get your calendars out! Notebooks! Coffee or Tea! Let us MARCH INTO MARCH WITH DETERMINATION!
As you can tell we are schooling and planning! The first thing I encourage us to do is to pray over our month. Get our calendar out write things on it that are always on there. Example- church, shop day, appointments, and etc.
Second thing plan your menu for the month or at least for the next two weeks. This will be one chore out of the way. Gather any recipes you need and put it all together. Make your shopping list or check your pantry for your ingredients.
Third decide on a room you really feel is calling your name or maybe it is an area. Go ahead and look at your calendar and set an appointment to work on that area or room. This may take a few days.
I want to focus on 4 GOALS to BLESS OUR HOMES this month for us.
1. Clutter Busting
2. Cleaning (Deeper cleaning)
3. Caring
4. Creating
This week and next week will work on clutter busting and organizing starting tomorrow.
Go through your home today and get a jump start. Make a pledge to get rid of 5 pieces of clutter a day for the next 2 weeks. Or focus on a drawer, closet, under your bed.
Hope you will join me. Comment and let me know how your days are going on each post.
My Rooms I want to tackle this month are my Children Rooms. I have made an appointment for these.
I made our menu for the month using a SUPER NEAT SITE. Pocket Change Gourmet has free printable monthly menus that are frugal kid friendly meals. There was only 2 meals on it that I knew my family wouldn't eat. I printed out the menu and crossed the two meals off we wouldn't eat and replaced them with ones we would. She provides printable recipes to go with the meals with the calendar. I highly suggest check this out.
Love you all dearly. Hopefully we can Bless Our Homes this month. Keep the main thing the main thing....check with God. Have Jesus order our steps for the day.


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The Health Plan of San Mateo (HPSM), a managed care health plan, seeks a full time Claims Auditor I to perform concurrent and retrospective review of claims processed by all areas of the Claims Department. Train and/or retrain staff on policies and procedures related to claims processing; and log, track, and report all audit activity and provide information to the Claims Managers and others as required.
The essential duties and responsibilities will include the following:
•Perform an appropriate number of audits on a timely basis, based on retrospective accuracy percentages of each incumbent.
•Perform concurrent, retrospective and preventive review of claims processed by all levels of Examiners, claims processes, and claims transmitted via OCR.
•Handle responses/appeals to audit findings
•Assist in the review and maintenance of auditing guidelines, including the audit tracking database and make recommendations to the Claims Managers to increase the accuracy of claims processed
•Log, track, and report all audit and productivity results and provide information to the Claims Managers and others as needed.
•Recommend areas in need of additional training and/or close oversight based on the trending and analysis of audit results.
•Handle urgent and/or sensitive issues, including PCIs, projects, and escalated calls.
•Maintain working knowledge of policies and procedures for standard work processes in the Claims Department.
•Process claims on an occasional basis to maintain skills
•Perform other duties as assigned
Education and Experience: Two (2) years of experience in health claims processing/adjudication. A college degree in a health or business related field is preferred.
Knowledge of: Personal computers and proficiency in Microsoft Office Suite applications, including Outlook, Word, Excel, Access and PowerPoint. Medicare and Medi-Cal programs
Ability to: Work cooperatively with others. Work as part of a team and support team decisions. Communicate effectively, both verbally and in writing. Adapt to changes in requirements/priorities for daily and specialized tasks. Work in a fast-paced, highly pressured, and changing environment. Analyze/evaluate information. Interpret policies and procedures. Produce basic logs and reports. Interact effectively with others and be a team player. Communicate efficiently orally and in writing. Organize workload. Work independently, using sound judgment
Compensation and Benefits:
Starting Compensation Range: – Depending on Experience
Benefits Information: Excellent benefits package offered, including HPSM paid premiums for employee's Medical, Dental and Vision coverage. Employee pays a small portion of the dependent premiums (5%) for medical and dental benefits. Additional HPSM benefits include fully paid life, AD&D, and LTD insurance; retirement plan (HPSM contributes equivalent of 10% of annual compensation); holiday and vacation pay; tuition reimbursement plan; onsite fitness center and more.
How to Apply:
Application Process: To apply, submit a resume and cover letter with salary expectations to: Health Plan of San Mateo, Human Resources Department, 801 Gateway Blvd., Suite 100, South San Francisco, CA 94080 or via email: firstname.lastname@example.com or via fax: (650) 616-8039. File by: Continuous until filled. The Health Plan of San Mateo is proud to be an Equal Opportunity Employer and encourages minority candidates of all backgrounds to apply.
Submissions without a Cover Letter and Salary Expectations may not be considered.Position Description »

subset: commoncrawl


text: Anyone have any positive or negative experiences using CharacterWorks as a scorebug for a Tricaster? Right now I currently just use AE Livetext to pull Daktronics score data but am looking to make things a little flashier and love the potential I'm seeing with CharacterWorks. Are you able to pull Daktronics score data and integrate/automate through CharacterWorks?


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The Mocana Nimbus is our best mat yet. Designed it from the latest high-tech, eco-friendly materials. The Nimbus has maximum support, helpful alignment and you won't lose your grip. In terms of quality - it is the ultimate mat on the market. With a combination of thick foam Natural Rubber in the support layer and our grippy Mocana polyurethane top layer, you'll be able to focus on your practice, no matter how much you sweat!The Mocana Nimbus is longer and wider than other mats, giving you extra space. Our laser-etched Mocana alignment line, running vertically down the mat, guides you during your yoga practice. Once you've experienced this feature you'll wonder how you lived without it!All our Mocana Yoga mats are PVC free and made using high-quality non-toxic materials, they will biodegrade in 1-5 years in normal landfill conditions. Compared to other PVC mats, which can take up to 100 years to decompose. The two Mocana mat layers are heat bonded, this way we avoid using toxic glues, and the alignment line is laser etched to avoid unnecessary ink usage.The Mocana Yoga Nimbus allows you to focus on your yoga practice. It is the perfect yoga companion.
Materials: Natural Rubber heat bonded with our specially formulated and environmentally friendly Mocana polyurethane
Dimensions: 183cm x 66cm (72" x 26")
Dimensions for Purple Nimbus: 185cm x 68cm (72" x 26")
Thickness: 5mm
Thickness for Purple Nimbus: 4,5mm
Weight: 2.9kg (6.4lbs)
Color: Black, Teal, Purple and Pink
Precaution: Please do not use a towel which has small plastic non-slip dots embedded in them on your Mocana Nimbus. The PU layer is quite sensitive and the dots will damage the surface.


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Masturbation: Myths and Facts
totally normal masturbation (touch yourself for sexual pleasure) whether you're sexually active with other people or not. Masturbation even has health benefits, like reducing stress.
1. Children engaged in masturbation, before they start to lead a sexual life – a myth
All children explore their bodies. And some touches bring them more joy than others. Therefore, there is nothing terrible or surprising in that boys and girls begin to masturbate.
The main thing – to bring to the child that it should be away from prying eyes.
Studies prove that age-appropriate sex education reduces the risk of sexual promiscuity in children and adolescents, and also reduces the threat of other problems at the beginning of sexual activity.
The only thing that can cause concern is excessive masturbation in young children. It is possible that it is a sign of anxiety or stress.
2. In adult relationships, masturbation is not needed – the myth
Most people masturbate throughout their lives. This is done by the fruits in the mother's wombs, and by the people of old age. Of course, after puberty, we realize the beauty of being close to others. But this is far from the final point in the history of self-satisfaction.
There are many reasons why people can masturbate, even being in a relationship. Perhaps this is necessary for them to relieve stress. Perhaps in order to resolve sexual differences with a partner. Or maybe just because it's nice.
3. If one of the partners masturbates, then the relationship does not satisfy him – the myth
Let's consider an example. Conditional Cathy discovers that her husband Brian is masturbating in the shower. He says: this is his standard morning ritual. Cathy is shocked. She worries that she is not sexy enough for her husband. But Bryan explains that his actions are in no way connected with her. He masturbates simply because it's nice, fast and he likes to start his day like that.
Self-satisfaction does not necessarily indicate cooling to a partner. It may well be an act separate from a love relationship.
I must say that sometimes masturbation still is a sign of problems in the pair. This case will be discussed below.
4. Masturbation helps to study the body – a fact
First, most adolescents discover orgasm through masturbation. Secondly, experts advise and adult women experiencing problems with achieving orgasm during sex, to resort to this simple technique. For them, this can be a way to learn to have fun, without concentrating on the needs of the partner.
5. Masturbation is the fastest way to orgasm – a fact
Women often admit that they get an orgasm for themselves in a couple of minutes, and with a partner – for 45.
The fact is that masturbation, as a rule, is caused by a strong libido. Sex is often initiated by one of the partners. And although the second one can also be excited, he does not necessarily want a sexual release.
There is another obvious nuance. We ourselves know much better what rhythm and what touches are necessary to achieve orgasm.
6. People prefer masturbation to sex – a fact and a myth
Many people say that masturbation gives physical satisfaction, but not a deep sense of completeness and a sense of close connection that sex brings.
However, sometimes because of difficulties in intimate life with a partner, a person begins to prefer self-gratification to sexual intercourse. This is an alarm signal. Therefore, if the sexual differences in a couple cause distress or weaken the connection between partners, it is worthwhile together to go to sex therapy.
Summarizing all that has been said, one can conclude: most often masturbation is normal. Most people begin to engage in it in childhood and continue throughout life.
Perhaps we are sometimes ashamed to admit it, but the fact remains that everyone has either masturbated or masturbated and continues to masturbate. So do not hold your hands over the blanket, but at the pulse of your desires


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Wearing the red and white gives me a sense of pride. I wear the red and white with pride because of what it stands for. Above all, to me it stands for peace; peace in our country and peace that we bring to the world. Canada stands for freedom; freedom of expression, speech, sexuality, religion, culture and individuality. Canada stands for acceptance, not only allowing these freedoms but accepting them and therefore allowing people to thrive on their own terms. Seeing the Canadian flag makes me thankful. Thankful that the citizens of Canada accepted me and my family as their own. Thankful that I can say I have dual citizenship, identify as a South-African-Canadian, and that that is okay. Canada is a symbol of a better life for a lot of people and therefore a symbol of hope. I will never take for granted the sense of being "safe" in Canada, as I am forever grateful for the peace of mind. Canada is a symbol of cultures coming together and creating one super awesome identity. Being a Canadian is laughing at ourselves, because we do say "eh" and I really love maple syrup. I am extremely lucky to be part of such an amazing group of people.
Red & White
February 7, 2014
Nothing made me more proud then putting on my red and white this morning to watch the opening ceremonies of the Olympics. The excitement over Sochi 2014 didn't fully hit me until the announcers said that it would start in "a dozen minutes" (even though I knew it was only 12 minutes), I still felt it was too long to wait.
I moved to Canada from South Africa in 1997 and still hold dual citizenship. I do not think there are enough words in any language to describe how unbelievably thankful and fortunate I am to have parents that worked as hard as they did to get me and my family Canadian Citizenship. I don't want to take away how strong my roots still lie in South Africa, but use this blog post simply to express how I feel about being a Canadian Citizen.
So I guess this is as much a thank you note as it is a statement of pride. Thank you Canada for everything. Thank you for giving us all something to believe in, to be proud of and to cheer for. Molson sure isn't my favourite beer, but it tastes pretty damn good when I am cheers'ing to Canada.
So good luck to all the athletes competing in the olympics, but especially those from Canada. You have a whole country of pride behind you. I hope everyone enjoys the Olympics as much as I do!
I love this video to show how great Canadians are!!
There's also this….


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In October, a stray dog wandered into the ambulance bay at Zac's work. Because he was at work, he had to call Animal Control to come pick her up, however it took Animal Control several hours to get to him. During that time, the dog followed Zac around and snuggled at his feet. When Animal Control finally came to pick her up, the officer informed Zac that because of the type of dog she is, she would most likely be euthanized if she wasn't adopted. This crushed Zac. That day, he sent me a text message with a picture of this sad looking pup and a message that read, "wanna adopt her?"
That night we discussed adopting her. The next day when we were finally both off of work, we went to the Humane Society to meet her. I fell in love immediately. She was so eager to see us and she seemed so happy to have visitors. She was on a week-long hold just in case she had owners looking for her. I visited her daily and she was never claimed.
On October 18, 2010, Zoey officially became a member of our family and on October 19, we were able to take her home. She is such a delight and I can't imagine my life without her now.
Zoey's Interests
– going on walks
– playing at the park
– slaying the blow dryer
– belly scratches
– puppy school


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View All News
News Post
2015 Nonprofit of the Year
Colin's Hope was chosen as the 2015 Westlake Nonprofit of the Year at the recent Westlake Chamber of Commerce Best of the Westies Awards luncheon. We are proud to have received this award for our working providing quality volunteer experiences and water safety education for Westlake students and families. Thanks to all who voted for us. We look forward to continuing our drowning prevention work in the Westlake community.


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Provincial Offences Court. We know how to help.
ACF Legal Services have been defending charges in Provincial Offences Court since 1997. Today, our clients benefit from the extensive experience gained from conducting countless trials and appeals at the Provincial Offences Court level. We have successfully defended cases involving complex legal matters and we have the knowhow to evaluate and prepare your defence.
If youve been charged with a Provincial Offence you may be facing serious penalties. Although a Provincial Offence is not a criminal charge, convictions can have a significant impact on your drivers license, insurance, liquor license, hunting license, residential tenancy, construction project, commercial business and more.
As well, for businesses some of the fines associated with Provincial Offence fines can rage upwards of $100,000 and for residents some fines can be as high as $25,000 per charge. Highway Traffic Act and Ministry of Natural Resources charges can also result in high fines and jail time. Make sure you receive legal advice before you step into court. Call ACF Legal Services and know your options.
Provincial Offences Court Charges
ACF Legal Services has successfully handled cases involving the following legislation at the Provincial Offences Court.
- Highway Traffic Act
- Compulsory Automobile Insurance Act
- Liquor License Act
- By-Law charges
- Fire Code violations
- Dog Owner's Liability Act
- Building Code and Zoning violations
- Residential Tenancies Act
- Trespass to Properties Act
- Environmental Protection Act
- Ontario New Home Warranties Act
- Retail Business Holidays Act
- Fish and Wildlife Conservation Act
- Canada Shipping Act - Small Vessel Regulations


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notonthehighstreet Christmas bunting giveaway winner!
17 Saturday Dec 2011
Posted Christmasin
17 Saturday Dec 2011
Posted Christmasin
My copy of HTBADG is about the same-there are marks all over it from where I've cooked from it!
Where can this bunting be purchased? Thank you!
I've got my crazy eyes on here! I love the bunting – thank you Kerry. I'm very excited to have won it (as you can see in this picture!)


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1. Purpose
2. Clients
Industries and service companies: Tequimar, Policarbonatos, Intex, Novel,
Probalance, Enlace, Telenge, Cemtel, Sotem, Login, Bahtel, ACRINOR,
UCAR, Hydros, SEBRAE-CE, SEBRAE-MA, PARTNER.
3. Consultants
The works will be developed and coordinated by Technical Director of
Qualitas. We can use other experienced consultants after client approval.
us| Services| Résumé|


text: Schuyler County, Illinois Old Times in Schuyler – "Attorneys Here in 1848" Posted by Dennis | Aug 7, 2016 | Old Times In Schuyler | 0 | Old Times In Schuyler Attorneys Here in 1848 By Howard F. Dyson, 1918 The first issue of The Prairie Telegraph appeared July 8, 1848, and there has been continuous publication up to the present time, thru merger with The Rushville Times, a pioneer of almost 70 years. Among the lawyers' names appearing in the second issue of The Telegraph we find Robert S. Blackwell, who later became porminent as a member of the Chicago bar; Wm. A. Minshall, who served several terms as circuit judge of the Fifth judicial circuit; Henry W. Taylor, J. B. Moore and John C. Bagby, who at that time was associated with Wm. A. Minshall. In the issue of July 15, 1848, the following candidates for office were announced: Wm. A. Minshall, candidate for circuit judge, fifth judicial district. John P. Richmond, candidate for state senator from the counties of Schuyler, McDonough, and Brown. Elijah M. Wilson and Jesse Darnell were candidates for representative. Asa Goodwin and Alfred C. Wallace were candidates for clerk of circuit court. In the local market, wheat was quoted at 50c a bushel; corn, 15c; and country flour was $4.37 a barrel. Little & Ray carried a half-column advertisement in The Telegraph in which they advertised a general stock of merchandise, which included dry goods, boots and shoes, hardware and tinware. The above article was originally prepared, written and published by Howard F. Dyson in The Rushville Times during the year 1918. Return to Schuyler Old Times Index Return to Newspaper Index This & That Index Return to Home Page Copyright © by Judi Gilker 2006 Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)Like this:Like Loading... Related Share: Rate:


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Our most popular events include TCG tournaments and meetups, including Magic The Gathering, Yu-Gi-Oh! & Force of Will!
Our Dungeons & Dragons groups (3.5E & 5E) are like no others!
Every year, we partner with ArctiCon to bring you the best gaming experience in Northwest Indiana! Watch our schedule for details!
We are also partnered with Tales of the 219 - a NW Indiana group of Roleplay leaders founded by the creator of Dreamchaser: A Game of Destiny! Each meeting brings lesser known RPG choices for an eclectic vibe of gaming.
We offer a range of snacks and beverages as well as a $5 Meal Deal (pizza, soda, and snack) for your convenience! Pizza is sourced from available delivery services. Requires 4 or more participants.
Please help us maintain our high standards and also keep Open Play free by adhering to the following rules:
No Foul/Abusive Language - No Explicit Behavior or Paraphernalia (including playgear or clothing) - No Drug/Alcohol Use/Smoking/Vaping on or around Premises - No Weapons - No Bullying - No Poor Hygiene (including residual odors/marks from Drugs and Alcohol use) -No Outside Snacks or Beverages (hot meals -upon request, bottled water, and medically necessary foods are acceptable within reason- no sharing) - No Stealing/Theft (from the store or other players) - No Soliciting (buying or selling personal or business related items -trading is welcomed) - Keep It Clean (clean up after any spills and put games back in boxes - need help? Let staff know) - Supervise Your Underage Child (safety of our patrons, no matter the age, is so important. We do not provide daycare so please do not leave any child underage -12 or younger - alone in the store.)
And last but not least - HAVE FUN!
EXCEPTION TO THE RULES: Saturday Nights - Kid free zone from 9PM-11PM . All events are considered family friendly. With that said, in order to satisfy the urge to play those not-so-safe-for-work board games, we reserve the play area for those 17 and over. Please make arrangements for those that are underage or sensitive to adult content to be out by 9PM.
FNM (Friday Night Magic)? Yes! Fridays promptly @7pm, Standard format, Swiss rounds, best 2/3, rewards - pack/win + random promos - ENTRY: $6/person
Other favorite Magic the Gathering Events (check schedule): Standard Showdown Mondays, EHD/Commander Tuesday Nights, Modern Sundays, Pioneer Thursdays, release events and more.
Teach Magic? Yes! We have an excellent staff of Magic players ready and willing to teach new players. There is no charge for the demo and best of all - start competing right away with a Welcome Deck and your shiny new DCI number for FREE!
D&D (Dungeons & Dragons)? Yes! We offer multiple sessions of D&D 3.5 and 5th edition experiences with new groups forming! Sessions and pricing are posted on our facebook calendar.
Pathfinder? Yes! We have a Pathfinder group ready to grow! Please check our facebook calendar for more details for upcoming events!
Miniatures Gaming? We offer a small selection of miniatures games in house, however, we will be glad to special order any pieces, games or paints. Meetups can be arranged for events. Please PM us on Google or Facebook for interest.
Other RPGs? Most Definitely! We have partnered with Tales of the 219 to host a multitude of unique and under-discovered RPG games at regular intervals. Find out more at: https://www.meetup.com/Tales-of-the-219
YU-GI-OH!? Yes! We offer YuGiOh! products and also tournaments are held on select Saturdays. Please check our facebook events page for upcoming scheduled events!
Other Card Games? We will be bringing back Pokemon meetups and, if turnout size permits, we will be also include tournaments, coming Summer Break of 2020!
Demos and Game Events? Yes! We offer free scheduled game demos and organized events for your favorite board and card games!
We also offer free and paid board game tournaments, as made available.
We also offer assistance with games in the library as needed.
Notable past non-TCG/CCG events have included: 2017 Fall Auction, Drawing Classes, International Tabletop Day, X-Wing Demo Day, Guild Ball Game Day, Mystic Vale Tournament, ArctiCon.
Private Events? Yes! If you would like to celebrate a milestone with a private board game night, please PM us on Google or Facebook for interest.
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The CLR button is used to clear an entry. Additionally, if
held down for two seconds it will
return the display to its default screen (the NAV chapter's first page, the CDI page).
While on the moving map page, the CLR button may be
depressed to cycle through four
levels of declutter.


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Fast Company's Eating the Frog Won't Boost Productivity article illustrates why it is smart to deal with an anxiety instead of overriding it. We tend to solve unpleasant problems with sensible behavior, not with tactics to pave over them. The first order of business is for us to understand what anxiety is, so that we can face it appropriately.
Anxiety, as if you really needed to worry about its definition, is undue, excessive concern about an event or outcome that you can't control. You want to be pro-active so that things will end up as you wish them to. That's normal. What's abnormal is having panic attacks, tics, or forced behavior (e.g., rituals, crude language, gastric upsets, a loss of your voice) when you feel anxious. Let's calm down with a quick look at the issue from A to Z.
These Tips from the Anxiety and Depression Association of America, ADAA will help you tame your worry:
• Take a time-out. Practice yoga, listen to music, meditate, get a massage, or learn relaxation techniques. Stepping back from the problem helps clear your head.
• Eat well-balanced meals. Do not skip any meals. Do keep healthful, energy-boosting snacks on hand.
• Limit alcohol and caffeine, which can aggravate anxiety and trigger panic attacks.
• Get enough sleep. When stressed, your body needs additional sleep and rest.
• Exercise daily to help you feel good and maintain your health. Check out the fitness tips below.
• Take deep breaths. Inhale and exhale slowly.
• Count to 10 slowly. Repeat, and count to 20 if necessary.
• Do your best. Instead of aiming for perfection, which isn't possible, be proud of however close you get.
• Accept that you cannot control everything. Put your stress in perspective: Is it really as bad as you think?
• Welcome humor. A good laugh goes a long way.
• Maintain a positive attitude. Make an effort to replace negative thoughts with positive ones.
• Get involved. Volunteer or find another way to be active in your community, which creates a support network and gives you a break from everyday stress.
• Learn what triggers your anxiety. Is it work, family, school, or something else you can identify? Write in a journal when you're feeling stressed or anxious, and look for a pattern.
• Talk to someone. Tell friends and family you're feeling overwhelmed, and let them know how they can help you. Talk to a physician or therapist for professional help.
Banish tension with supportive beliefs that life isn't as dire as your imagination makes it out to be. Legend has it that director Alfred Hitchcock once responded to actress Ingrid Bergman's remark that "I don't think I can give you that kind of emotion" with the advice, "Ingrid, fake it!" That's what all of us need to do when we must forge past a fear holding us back from making progress.
Dream. Go to sleep with the goal of imagining the solution to some problem or other. You just might figure out what to do as you sleep.
Game on! Turn the goal into a game. Figure out how someone could win at what you want to do, then mimic the actions and mindsets that your fictional character had. Gather points as you make incremental gains into achieving the goal.
Hug yourself with a snack or entertainment distraction that takes your mind off the problem. Your brain will process unconscious thoughts while you relax instead of shutting down with worry. Helpful ideas can develop more easily that way.
Read. Books and magazines about how to do this or that fill store and library shelves. Not everything is on the worldwide web. Dead tree editions are known to soothe people who hold them, too. Study them to learn how to achieve your goal, and how to lower or end your anxiety.
Zap anxiety with laughter. It eases tension while validating it. Laughter can go a long way to empowering people to deal with just about anything, instead of dreading it.


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Opening September 10th, the You Are Not Here tour of Gaza through the streets of Tel Aviv will be featured as a part of the 2009 ArtTLV biennial. Join us for the opening on Thursday and/or the bike tour on Saturday (Sep 12th). More details on the ArtTLV mini-site and on YouAreNotHere.org
An ArtTLV tour of Gaza
September 6th, 2009
Latest News
- Radars & Fences 3 @NYU | March 10th, 2010
- Mar 4th: Collaborative Futures Book Launch | February 24th, 2010
- At Rene Wanner's poster page | December 13th, 2009
- @WordCamp 2009 | October 23rd, 2009
- Making Design By Committee Work – The case for Open Source Design | October 10th, 2009


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Car Insurance
Let VIG help you protect you & your family in the event of an auto accident.
Car Insurance
When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy.
NOTE – Your policy may not contain all of these coverages.
General Coverage
- Bodily Injury (Bl) Liability Coverage pays, up to the coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory.
- Property Damage (PD) Liability Coverage pays, up to the coverage limits, for another individuals vehicle or property that has been damaged In an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage Is also mandatory.
- Personal Injury Protection / Medical Payments Coverage pays, up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. This coverage is optional in most states. Personal Injury Protection includes loss of wages coverage.
- Uninsured/Underinsured Motorists (UM/UIM) Coverage pays up to the coverage limits for bodily injury and property damages to you or your family resulting from the negligence of someone who has no liability insurance or their limits are insufficient. The definition of an underinsured motorist varies from state to state.
- Collision Coverage pays for damage to your vehicle caused by a collision. This coverage is usually required if you have a vehicle loan.
- Comprehensive Physical Damage Coverage (other than collision) pays for damage to your vehicle resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a vehicle loan.
- Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. lf you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.
- Towing and Labor (Roadside Assistance) covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in unnecessary duplicate coverage.
Supplemental Coverage
Some of our carriers offer additional supplemental coverages as either part of their auto policy or as an endorsement for an additional premium. Supplemental coverages are designed to tailor your auto policy to your specific needs. These coverages vary by carrier.
Some examples are:
- Pet Coverage – if your pet is injured in a covered automobile accident the insurance carrier will pick up a portion of the vet bill.
- Personal Property Coverage – for personal items stolen from your vehicle.
Lock Replacement-Electronic lock and key replacement with no deductible
- Diminishing Collision Deductible-(varies by company) reduces your collision deductible in increments as long as you have not had at fault accidents.
- Emergency Expenses/Trip Interruption– pays a specific amount for emergency transportation, meals and lodging in the event of an accident away from home.
- New Vehicle Replacement– pays the full verifiable purchase price for their newly titled vehicles in the event of a total loss.
- Loan/Lease Gap-pays the difference of what is owed on your vehicle and what the vehicle is worth
Other Available Policies:
Commerical Insurance
Coverage for losses and damages to commercial property.
Home Isurance
Flood Insurance
Let VIG Help you & be a VIP at VIG!
Get In Touch
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The elements of garden architecturepaths, walls, gates, fences, terraces, sheds, lighting, furniture, waterworks, and arttogether form the backbone of any well-designed garden. In this beautifully illustrated and accessible book, legendary landscape architect James van Sweden explains how to design and build a garden like a professional. He leads his readers on a tour through some of his most exquisitely designed gardensin the country, in the city, in the suburbs, and by the shore. "When it comes to planning a comfortable and rewarding garden," van Sweden writes in his Introduction, "the challenges that confront the owner of an estate or a weekend cottage are often substantially the same. The principles and techniques used for organizing a large site work equally well in a more modest setting." Each case study highlights a particular architectural element, breaking it down into practical ideas that any gardener can apply to his or her own garden or yard. The book includes dozens of detailed schematic drawings that can be used to build many of the elements described by the author, along with an extensive, illustrated glossary.Architecture in the Gardenis sure to inspire you with its many practical ideas on how to domesticate your landscape and design an outdoor space that suits your taste as well as your lifestyle.Van Sweden, James is the author of 'Architecture in the Garden', published 2003 under ISBN 9780375501548 and ISBN 0375501541.[read more]
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Canada: Fintech 2019
The ICLG to: Fintech Laws and Regulations - Canada covers a broad overview of common issues in fintech laws and regulations in 51 jurisdictionsPublished: 10/05/2019
The ICLG to: Fintech Laws and Regulations - Canada covers a broad overview of common issues in fintech laws and regulations in 51 jurisdictionsPublished: 10/05/2019
ICLG.com > Practice Areas > Fintech > Canada
1.1 Please describe the types of fintech businesses that are active in your jurisdiction and any notable fintech innovation trends of the past year within particular sub-sectors (e.g. payments, asset management, peer-to-peer lending or investment, insurance and blockchain applications).
Canada is a business-friendly jurisdiction that has a wide array of fintech businesses, at all stages of growth, operating throughout the country. In 2018, Canada continued to follow through with announcements made in its federal budget to promote innovation in Canada. Notably, in February 2018, the Canadian Government named five technology groups that will have access to approximately $950 million in federal funding, over five years, as part of the government's "superclusters" initiative. The purpose of this initiative is to develop innovation hubs across Canada within which businesses, academic institutions, and not-for-profits can collaborate, with the goal of promoting innovation.
As the Canadian fintech sector continues to grow, large financial institutions are increasingly investing in, and partnering with, fintech businesses as they look to develop their own solutions. Investment in AI and robo-advisory initiatives has been a particular area of focus for Canadian banks. This past year also saw developments in payment technology, following the December 2017 report published by Payments Canada, which provided details on its payment systems modernisation project. In September 2018, the Government of Canada also announced the establishment of the Advisory Committee on open banking, which is a significant step in its review of the merits of open banking in Canada. The Advisory Committee released a consultation paper on the merits of open banking in January 2019, and a final report is expected to be issued in late 2019 after completion of the consultations.
There was also significant activity over the past year in the cryptocurrency subsector. Specifically, in February 2018, the first blockchain exchange-traded fund ("ETF") launched and began trading on the Toronto Stock Exchange, and was followed by two additional blockchain-related ETFs later in the year.
1.2 Are there any types of fintech business that are at present prohibited or restricted in your jurisdiction (for example cryptocurrency-based businesses)?
There are no prohibitions or restrictions that are specific to fintech businesses in Canada. However, the growing interest in cryptocurrencies prompted the Canadian Securities Administrators to release a Staff Notice (46–307 – Cryptocurrency Offerings) indicating the continued applicability of Canadian securities laws to cryptocurrency offerings.
2.1 Broadly, what types of funding are available for new and growing businesses in your jurisdiction (covering both equity and debt)?
With respect to funding, Canada has both mature debt and equity capital markets which are accessible to any business that meets the threshold limits. To date, only a limited number of Canadian fintech businesses have elected to raise significant capital through traditional financings, such as initial public offerings. Instead, fintech businesses have opted to rely on a number of alternative financing sources, such as venture capital.
Specifically, it appears as though much of the funding for fintech businesses in Canada comes from venture capital investment and other forms of early-stage financing. In an effort to broaden the scope of traditional equity financing, new crowdfunding rules were introduced in 2016 by a number of jurisdictions across Canada which provide retail investors the ability to participate in the raising of capital for small businesses. For instance, Ontario has introduced crowdfunding regulations, which provide companies with the capacity to raise funds from retail investors publicly without the need to file a traditional prospectus. However, investors are only permitted to invest $2,500 per company up to a maximum of $10,000 in the same calendar year (the cap is higher for certain qualified investors), and companies must prepare a document which meets a certain prescribed level of disclosure regarding the business and use of proceeds relating to funds raised from crowdfunding. In the first half of 2018 alone, investment in fintech start-ups through venture capital and M&A has totalled $263 million across more than 50 transactions in the fintech space.
In addition, since 2015, a growing number of peer-to-peer lenders have sprung up in Canada. For example, one provider allows lenders to contribute as little as $25 to a pool of money destined for a small business. While marketplace lending in Canada is still in its infancy compared to other jurisdictions, the proliferation of online platforms has created another financing source for fintech businesses.
More broadly, the Canadian Government has also demonstrated an increased commitment to providing funding for innovation in its 2018 federal budget.
2.2 Are there any special incentive schemes for investment in tech/fintech businesses, or in small/medium-sized businesses more generally, in your jurisdiction, e.g. tax incentive schemes for enterprise investment or venture capital investment?
There are a number of incentive schemes used throughout Canada to encourage investment in small and medium-sized enterprises ("SMEs"), including those in fintech. The Canadian Government offers the following incentives for SMEs and growing businesses:
Businesses can further benefit from a number of provincial grants and tax incentive programmes that reduce the cost of conducting business in the respective provinces. Similarly, both federal and provincial governments offer a large number of funding initiatives for SMEs and start-ups.
2.3 In brief, what conditions need to be satisfied for a business to IPO in your jurisdiction?
In order to secure a listing on either the Toronto Stock Exchange ("TSX") or the TSX Venture Exchange ("TSX-V") – the two main exchanges for equity securities in Canada – an issuer must complete both a listing application and a prospectus (which will be a base disclosure document in connection with an IPO) which demonstrate that the issuer is able to meet the minimum listing requirements of the applicable exchange. The requirements for listing on the TSX, the exchange for senior issuers, will be more onerous than a listing on the more junior TSX-V. In addition, the minimum listing requirements will vary to some extent depending on the nature of the business; both exchanges categorise issuers according to industry segment.
At a high level, a listing on the TSX would require compliance with the following key requirements:
In contrast, the minimum listing requirements for the TSX-V recognise that the emerging companies who are applying for listing have different financial needs than more established businesses. The TSX-V classifies issuers as "Tier 1" or "Tier 2" based on standards, including historical financial performance, stage of development and financial resources.
The basic distribution requirement for Tier 1 issuers is at least one million freely tradable securities held by at least 250 public shareholders. The basic distribution requirement for Tier 2 issuers is at least 500,000 freely tradable securities held by at least 200 public shareholders.
2.4 Have there been any notable exits (sale of business or IPO) by the founders of fintech businesses in your jurisdiction?
Shopify Inc. remains the leading case study for equity financing of Canadian fintechs. Most notably, the e-commerce giant has raised over $131 million since its initial public offering on the New York Stock Exchange and TSX in May 2015, and has raised a total of $253 million since 2007.
On November 15, 2017, Katipult, a fintech company focused on cloud-based investment software, received approval to go public. Currently listed on the TSX Venture Exchange, the company was able to raise $1.6 million in its IPO.
In terms of acquisitions or sales, there were a number of notable acquisitions in Canada or involving Canadian fintech companies in 2018. On June 19, 2018, PayPal Holdings, Inc. announced the acquisition of Hyperwallet, a global leading payout platform based in Vancouver, for approximately $400 million in cash. On March 9, 2018, Purpose Financial LP acquired the Montreal-based leading fintech lender to small business, Thinking Capital Financial Corporation, with the deal estimated to be valued at over $200 million. Consistent with the AI trend discussed above, in January 2018, Toronto-Dominion Bank announced the acquisition of artificial intelligence start-up, Layer 6 AI, in a deal estimated to be in excess of $100 million. Other notable transactions include the acquisition of Lendful Financial Inc. by Peoples Trust Company in June 2018, and the acquisition of Zensurance by US-based The Travelers Companies, Inc.
3.1 Please briefly describe the regulatory framework(s) for fintech businesses operating in your jurisdiction, and the type of fintech activities that are regulated.
There is no single Canadian regulatory body, either at the federal or provincial level, which has jurisdiction over fintech businesses. Rather, depending on the type of services provided by the fintech business, a number of regulatory bodies will have jurisdiction.
In particular, fintech businesses that provide banking, consumer credit and insurance services, or capital-raising services, will find themselves subject to the same regulations as incumbent businesses in these areas. In addition, fintech businesses generally will find themselves subject to more general business regulations such as privacy laws (either under the Personal Information Protection and Electronic Documents Act or Canada's Anti-Spam Legislation), anti-money laundering laws, or consumer protection laws.
Any company that wishes to engage in a regulated service should discuss with the applicable regulators to see if there are any regulatory exemptions available to them. In particular, securities regulators have been open to providing exemptions to certain securities legislation requirements for fintech businesses.
3.2 Is there any regulation in your jurisdiction specifically directed at cryptocurrencies or cryptoassets?
In August 2017, the Canadian Securities Administrators ("CSA") published Staff Notice 46-307 Cryptocurrency Offerings ("SN 46-307"), which provides guidance on the application of Canadian securities laws to cryptocurrency exchanges, initial coin offerings, initial token offerings, and cryptocurrency investment funds. The notice clarifies that fintech businesses engaged in the cryptocurrency space may fall under the jurisdiction of Canadian securities regulators. In classifying a coin or token as a "security", regulators will consider the substance of the instrument. This approach is consistent with securities regulation in other countries.
In June 2018, the CSA published Staff Notice 46-308 Securities Law Implications for Offerings of Tokens ("SN 46-308"), which expands on SN 46-307. The notice provides guidance on when a token offering might involve the offering of securities, as well as guidance on offerings of tokens in a multi-step structure. The notice also provides 14 example situations involving tokens and their resulting securities regulation implications.
In 2014, the Proceeds of Crime (Money Laundering) and Terrorist Financing Act ("PCMLTFA") was amended to apply to those "dealing in virtual currencies" subject to the development of updated regulations. In June 2018, the Canadian Department of Finance published draft amendments to the regulations under the PCMLTFA which introduce a definition of virtual currency, and treats those dealing in virtual currencies as money service businesses for the purposes of the PCMLTFA. These regulations will come into force on the first anniversary of the day on which they are registered (which has not yet occurred). See question 4.5 for more details on the PCMLTFA.
3.3 Are financial regulators and policy-makers in your jurisdiction receptive to fintech innovation and technology-driven new entrants to regulated financial services markets, and if so how is this manifested? Are there any regulatory 'sandbox' options for fintechs in your jurisdiction?
Financial regulators and policymakers in Canada are cautiously receptive to fintech innovation. The current federal government has made its innovation agenda a priority.
A number of key regulators, including the Department of Finance, the Competition Bureau, and most provincial securities regulatory agencies have taken steps towards developing a fintech regulatory framework. For example, in 2017, the Competition Bureau released a market study entitled "Technology-Led Innovation in the Canadian Financial Services Sector", which acknowledges that Canada "lags behind its international peers when it comes to Fintech adoption". The study provides recommendations to Canada's regulators and policy makers, focused both on technical improvements and on broader policy objectives, that would modernise fintech regulation and foster a more innovative and competitive environment.
In 2017, the CSA launched its own regulatory sandbox, which has assisted with capital raising fintech businesses, particularly in the cryptocurrency space (for example, TokenFunder, as mentioned above). This initiative is in addition to the existing crowdfunding regimes and provincial securities regulator programmes, such as Ontario's Launchpad programme, which helps fintech businesses navigate securities regulations in Ontario. Ontario's Minister of Finance also announced a commitment to create a "regulatory super sandbox". The super sandbox will provide certain regulatory exemptions to businesses in the fintech space in order to facilitate experimentation with business models, products and services. The commitment to the "regulatory super sandbox" was made by the Ontario government in its March 2018 budget.
In 2018, the federal government announced plans to modernise the fintech regulatory environment as it concerns federally regulated financial institutions ("FRFIs"). This includes amendments to key financial system legislation such as the Bank Act, the Insurance Companies Act, and the Trust and Loan Companies Act. The amendments will allow FRFIs to better participate in the fintech sector by permitting FRFIs with the ability to, among other things, engage in fintech activities in-house or through a third party, collect and transmit certain information, and invest in fintech entities. These amendments are not yet in force and regulations relating to these amendments have not yet been issued.
3.4 What, if any, regulatory hurdles must fintech businesses (or financial services businesses offering fintech products and services) which are established outside your jurisdiction overcome in order to access new customers in your jurisdiction?
The same regulatory framework that applies to local businesses operating in regulated environments such as banking or insurance also applies to foreign businesses. Further, as long as a fintech business interacts with Canadian consumers it will fall under the jurisdiction of the existing Canadian regulatory framework.
There are also additional regulations that apply to overseas fintech businesses in certain regulated spaces, including banking and insurance. For example, foreign banks operating in Canada generally cannot accept deposits of less than $150,000. However, some inroads have been made in reducing regulatory burdens on incoming foreign businesses. Several provincial securities regulators have entered into cooperation agreements with other jurisdictions, which include Australia, France, Abu Dhabi and the United Kingdom, to refer and support fintech businesses.
In addition, in August 2017, the United Kingdom's Financial Conduct Authority announced the formation of the Global Financial Innovation Network (GFIN) which is comprised of 12 securities regulators from around the globe (including Ontario and Quebec). The main functions of the GFIN will be to enable collaboration and shared innovations between markets, to provide a forum for joint policy work and discussion, and to provide companies with an environment to test cross-border solutions.
4.1 Does your jurisdiction regulate the collection/use/transmission of personal data, and if yes, what is the legal basis for such regulation and how does this apply to fintech businesses operating in your jurisdiction?
Canada has both public and private sector legislation that regulates the collection, use and disclosure of personal information. Most notably, the federal Personal Information Protection and Electronic Documents Act ("PIPEDA") applies to all private sector organisations in Canada, except in provinces that have enacted "substantially similar" legislation. Currently, only Alberta, British Columbia and Quebec have enacted substantially similar legislation that is applicable in place of PIPEDA. There is also sector-specific legislation (particularly with regard to personal health information) pertaining to the maintenance of data that may be applicable to certain fintech businesses.
Most privacy legislation throughout Canada, and some sector-specific legislation, contains some or all of the following obligations that are applicable to fintech businesses:
4.2 Do your data privacy laws apply to organisations established outside of your jurisdiction? Do your data privacy laws restrict international transfers of data?
Canadian privacy laws apply to foreign organisations that conduct business in Canada. Also, PIPEDA applies to organisations that disclose personal information across a provincial border in the course of commercial activity and, generally, where an organisation in Canada receives or transmits personal information from or to a destination outside of Canada.
Some Canadian privacy legislation presents barriers to international transfers of data. For instance, public sector privacy legislation in British Columbia and Nova Scotia provide that public bodies must ensure that personal information under their custody or control is only stored and accessed in Canada. The only potential exception to this requirement is obtaining consent from appropriate individuals to the cross-border transfers of personal information. Quebec privacy legislation also contains restrictions on transferring personal information outside of Quebec, unless the organisation can ensure an equivalent level of protection is afforded. Most private sector privacy legislation, such as PIPEDA, also hold organisations responsible for safeguarding personal information even where such information is transferred to third-party service providers. The practical effect of this obligation is that organisations must enter into contracts with service providers to ensure an adequate level of protection.
4.3 Please briefly describe the sanctions that apply for failing to comply with your data privacy laws.
Liability for breaches of Canadian privacy legislation can arise in a number of ways, including complaints filed by groups or individuals, as well as audits or investigations initiated by the relevant privacy commissioner or other regulatory body. Penalties under the various statutes vary, but can include substantial fines in some cases, as well as prosecution of individual offenders.
Of note, PIPEDA was amended as of November 2018 to introduce breach notification, reporting and recording requirements in certain circumstances. Failing to report or record a breach in certain circumstances is an offence punishable by fines of up to $100,000.
4.4 Does your jurisdiction have cyber security laws or regulations that may apply to fintech businesses operating in your jurisdiction?
Generally, cybersecurity laws and regulations arise in the context of protection of personal information. As indicated above, most privacy legislation requires that organisations protect personal information from theft, loss or unauthorised access. The nature of the safeguards will depend on the sensitivity of the information. In the healthcare space, several provinces have enacted personal health information protection statutes which have more onerous data protection obligations given the sensitive nature of healthcare information.
Additionally, Canada's anti-spam legislation contains provisions governing software installation in the course of commercial activities and prohibits the sending of commercial electronic messages without the recipient's consent. While non-binding, a number of regulatory agencies such as the CSA and OSFI have also issued guidelines on cybersecurity to create a set of industry standards.
4.5 Please describe any AML and other financial crime requirements that may apply to fintech businesses in your jurisdiction.
Canada's primary anti-money laundering legislation is the PCMLTFA, which has the main objective of helping detect and deter money laundering and the financing of terrorist activities. The PCMLTFA also provides the framework to facilitate the investigation and prosecution of money-laundering and terrorist activity-financing offences.
The PCMLTFA applies to all "reporting entities" which include, among others, financial entities (such as regulated banks, credit unions, trust companies and loan companies regulated under provincial legislation), life insurance companies, securities dealers and money services businesses. There is no anti-money laundering or other financial crime legislation that specifically applies to the fintech sector. Fintech entities need to determine individually whether their activities would make them a "reporting entity" for the purposes of the PCMLTFA.
The specific requirements for each of the different types of reporting entities may differ under the PCMLTFA. However, all reporting entities will be required to: (i) establish a compliance regime and conduct a risk assessment relating to money laundering; (ii) comply with specified record keeping and client identification requirements; (iii) report suspicious financial transactions and attempted transactions as well as terrorist property to the Financial Transactions and Reports Analysis Centre of Canada ("FINTRAC"); and (iv) report certain cross-border movements of currency and monetary instruments to the Canada Border Services Agency. FINTRAC was established pursuant to the PCMLTFA as the agency responsible for the collection, analysis and disclosure of information to assist in the detection, prevention and deterrence of money laundering and terrorist financing in Canada. In addition to complying with the foregoing, money services businesses are required to register with FINTRAC and must supply information about themselves and their activities.
In 2018, the Department of Finance published draft amendments to the PCMLTFA, which among other things, seek to modernise the legal framework and align regulations with international standards. The proposed amendments address areas including prepaid cards, virtual currencies, and foreign money service businesses. The proposed amendments will effect changes to certain identification and authentication requirements, as well as certain recordkeeping requirements, which may benefit some fintech businesses. Examples include the ability to rely on third parties to perform identify verification, and the permitted use of scans and photocopies of identification. The regulations will come into force on the first anniversary of the day on which they are registered (which has not yet occurred).
Apart from this, compliance may be required with separate legislative measures against terrorists, terrorist groups and other listed and sanctioned individuals and entities ("Designated Persons") pursuant to various Canadian federal statutes (such as the Criminal Code) and their regulations, which require, among other things, that a financial institution or other person will not deal directly or indirectly in any property (including money) that is owned or controlled by or on behalf of a Designated Person, will not facilitate any transaction in respect of such property, and will not provide any financial or other related services in respect of such property. Also, other Canadian federal legislation such as the Special Economic Measures Act ("SEMA") and its regulations may apply financial sanctions, and such legislation may include lists of designated individuals and entities with whom certain financial transactions are prohibited.
4.6 Are there any other regulatory regimes that may apply to fintech businesses operating in your jurisdiction?
In addition to the regimes discussed above concerning anti-money laundering, privacy and cybersecurity, the other regulatory regimes that may apply to fintech businesses include consumer protection legislation and competition legislation. Each province has their own applicable consumer protection legislation, which provides certain rights such as protection against misrepresentation and delivery of goods, as well as cost of credit disclosure requirements. Similarly, competition legislation includes regulations to prevent the use of deceptive marketing practices.
5.1 In broad terms, what is the legal framework around the hiring and dismissal of staff in your jurisdiction? Are there any particularly onerous requirements or restrictions that are frequently encountered by businesses?
In Canada, legislative authority over labour and employment is divided between the federal and provincial governments. The federal government has jurisdiction over employment laws for specific works and undertakings within exclusive federal jurisdiction, such as shipping, railways, broadcasting, airlines and banks. With respect to hiring, employers in the fintech industry should ensure that: (i) they understand which jurisdiction applies; (ii) the terms and conditions of employment offered to a candidate meet the minimum requirements prescribed by applicable employment standards legislation (further described in question 5.2); (iii) their recruitment and hiring processes are consistent with applicable human rights and privacy legislation; and (iv) pre-employment testing is conducted in accordance with applicable consumer reporting legislation.
There is no "at will" employment in Canada. With respect to the termination of the employment relationship, the analysis begins with an examination of whether there is "cause" for the dismissal, followed by an assessment of the employer's obligations in connection with the dismissal. An employer is generally only entitled to dismiss an employee from employment without notice where it has "cause" in law to do so. Termination of employment for cause is considered "exceptional" and a substantial burden is placed on an employer to establish that it has cause to end the employment relationship without notice.
In the absence of a cause for dismissal, employers must generally provide employees with a working notice of termination of employment or pay in lieu of notice. An employee's entitlements on termination without cause arise from three potential sources: (i) minimum standards established by applicable employment standards legislation; (ii) the right to reasonable notice of termination at common law; and (iii) termination provisions in an enforceable, written employment contract.
5.2 What, if any, mandatory employment benefits must be provided to staff?
As noted above, each jurisdiction in Canada has employment standards legislation that sets out the minimum standards that govern the basic terms and conditions of employment for workers, including minimum wage levels, vacation and holiday pay, hours of work, pregnancy and parental leave, notice periods for termination, and severance payments. Employers and employees are not permitted to contract out of these minimum standards.
All employers, whether federally or provincially regulated, must also contribute to both the Canada Pension Plan and Employment Insurance on behalf of their employees. Contributions may then be deducted as a business expense for income tax purposes. Furthermore, employers must deduct and remit income tax, Employment Insurance premiums and Canada Pension Plan contributions to the appropriate authorities on behalf of their workers.
There is no obligation to provide group insured benefits, wage replacement schemes, or supplemental pension plans.
5.3 What, if any, hurdles must businesses overcome to bring employees from outside your jurisdiction into your jurisdiction? Is there a special route for obtaining permission for individuals who wish to work for fintech businesses?
In general, only Canadian citizens or permanent residents can work in Canada without a valid work permit. Unless an exemption applies, Canadian companies in the fintech industry seeking to hire a foreign worker must obtain a Labour Market Impact Assessment ("LMIA"). In order to obtain an LMIA, among other things, the company will have to satisfy the Government of Canada that there is a need for a foreign worker to fill the job and that no Canadian worker is available do the job.
However, some foreign workers will be able to obtain a work permit in Canada without applying for an LMIA if they are entering the country as intra-company transferees and will be working as senior executives, managers or specialised knowledge workers, or if their work and experience qualifies them as a professional under international trade agreements. Other exemptions may also be available depending on the circumstances.
Depending on the foreign worker's country of origin, the foreign worker may also need a visa to enter Canada. As part of the visa application process, the foreign worker may require a medical examination and/or biometric fingerprint scans. If a visa is required, it is routinely sought at the time of application for a work permit. Depending on the foreign worker's country of origin, the foreign worker may also require an electronic travel authorisation to fly to or transit through Canada.
6.1 Please briefly describe how innovations and inventions are protected in your jurisdiction.
As fintech products are commonly based on computer software or applications, the protection afforded in Canada is typically through copyright as a literary work (but it may also be protected as a trade secret or patent, depending on the circumstances).
Copyright may exist in the underlying code and other elements of the software, including the interface, graphics and icons used as part of the software. Copyright in Canada arises automatically when a work is created; however, registering a copyright with the Canadian Copyright Office entails significant benefits. Copyright can protect the software code and also databases, so long as the work meets the standards of skill and judgment and originality.
Typically, the Canadian Patent Office will not consider software as a patentable matter in itself; however, certain software-based patents may be available where the computer implemented invention includes steps that have a physical existence (this is because a patent cannot be granted in an abstract idea, but rather must have some physical manifestation). In Canada, there is no express prohibition against patenting "business methods" and they may be patentable in appropriate circumstances; i.e., where it is claimed in a manner which requires some form of physical manifestation.
Given the uncertainty that can surround the patentability of software-related subject matter, non-disclosure and confidentiality obligations by agreement are of paramount importance in protecting the disclosure of technical information.
Trademarks (registered and unregistered) can also protect the brand of the fintech product or service. There are benefits to registering a trademark in Canada, as registration confers rights across the country, acts as a presumption of those rights in court and expands the scope of remedies available to a trademark owner asserting infringement.
6.2 Please briefly describe how ownership of IP operates in your jurisdiction.
In Canada, the general rule is that the first owner of copyright will be the author. One statutory exception to this rule is for works created by an individual in the course of his or her employment – as such works are automatically owned by the employer. However, if an entity contracts with a third party, such as a software developer for the creation of the software, then that third party owns the copyright unless there is a written agreement otherwise (assignment of copyright in Canada must be in writing in order to be effective).
One peculiar feature of Canadian copyright law is that the individual author holds "moral rights" in the works he or she creates. Moral rights are the rights to attribution (or the right to remain anonymous), and the right to the integrity of the work. Moral rights cannot be assigned but they can be waived. As a result, employers or other entities seeking to use copyright works should ensure they obtain moral rights from employees or individuals who created the works (or representations from the assignor that moral rights have been waived).
In Canada, a patent for an invention is owned by the inventor. The courts have held that as a general rule, an employee retains ownership of the patent rights in his or her inventions, subject to an agreement otherwise (or if the employee was "hired to invent"). As a result, employers and owners are encouraged to obtain written agreements confirming their ownership in patentable subject matter to avoid the uncertainties that can arise.
Currently in Canada, trademarks can only be owned by a single entity and any use of the trademark (or one confusingly similar thereto) by a third party (including subsidiaries or parents of the owner), must be under licence from the owner, where the owner maintains control over the character and quality of the goods or services offered with the trademark. Use of a trademark without such controls in place can render the mark non-distinctive and therefore vulnerable to challenge. Implied licences have been found by the courts, but written licences are recommended wherever possible.
6.3 In order to protect or enforce IP rights in your jurisdiction, do you need to own local/national rights or are you able to enforce other rights (for example, do any treaties or multi-jurisdictional rights apply)?
International copyright conventions, such as the Berne Convention, provide automatic protection in other countries for qualifying works. The WIPO Copyright Treaty also specifically deals with the protection of computer programs and databases under copyright. As copyright arises automatically upon the creation of the work, registration is not necessary to enforce those rights in court in Canada and an owner can claim statutory damages even where it does not have a registration. However, a registration provides presumptions in litigation that the authorship and ownership set out in the registration is accurate.
Patent protection in Canada may be secured through the national route or under the international ("PCT") patent application systems.
Trademark rights can exist through registration (coupled with use) or by common law use (where no registration exists). However, common law rights only extend to the geographic region where the owner can establish that use of the trademark has resulted in sufficient reputation and goodwill. In contrast, a registration confers rights across Canada. It also expands the scope of remedies and damages available to an owner in the case of an infringement, and it acts as a presumption of trademark rights in court.
6.4 How do you exploit/monetise IP in your jurisdiction and are there any particular rules or restrictions regarding such exploitation/monetisation?
Intellectual property is typically monetised by an assignment/transfer, licensing or the granting of a security interest.


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Naruto, Sasuke and Sakura officially register for the Chunin Exam. In this examination, three ninja form a team, and in
order to pass, not a single member is allowed to fail. Teamwork becomes absolutely vital for success in this test.
Get the latest updates on show information, news, and more.


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Over 18s can now legally deal in property following the introduction of new 'age of majority' law, which became effective 1st July 2007. This has important legal implications, especially in the property market where 18-year-olds can now purchase and sell property, and apply for a mortgage bond without the assistance of their legal guardians or parents
Barak Geffen, Executive Director of Sotheby's International Realty says before the new law persons had to be 21 years old to enter contracts that would be legally binding.
"There used to be conflicting pieces of legislation dealing with children and the age of majority, but this has been clarified by the implementation of the relevant sections of the Children's Act and the repeal of the Age of Majority Act, which had set majority at 21 years."
He says the change will largely be reflected in the increase in property purchases by the affluent segment of the market, where guardians or parents from wealthy households facilitate their children's property transactions by kick-starting their home acquisitions at an even earlier age.
The law does not affect actions by minors that were in the past considered to be legal, like the creation of a will by a 16-year-old or where a 14 year old, who is deemed competent, can give evidence in a court of law.


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The UNRWA, the United Nations Relief and Works Agency for Palestine Refugees in the Near East, has urgently called for extra funding after the United States cut its financial support for its organization. What is the function of the UNRWA?
At a conference in Rome, UNWRA called for 100 million dollars (around 82 million euros) to fund the organization, a small portion of its financial gap of 450 million dollars. This financial crisis was largely due to a decision by the U.S. government under Donald Trump in January to reduce its funding in 2018. In effect, the US will pay only 60 million dollars this year, compared to 360 million dollars in previous years.
"We are here to help UNRWA overcome the worst financial crisis in its history," UN General Secretary Antonio Guterres said as reported by German agency dpa. President Trump justified his decision to cut funding to the organization after saying that President of the Palestinian Authority Mahmoud Abbas was not ready for peace talks with Israel.
Founding and function
The UNRWA was founded in December 1949 and is separate from the other UN Refugee Agency, the UNHCR. It operates in Jordan, Lebanon, Syria, the Gaza Strip and the West Bank. It's two main offices are in Amman, Jordan and Gaza City. Its main function is to provide aid and support to Palestinian refugees in the region. It is important to note that Palestinian refugees include the descendants of those who fled the wars of 1948 and 1967. The head of the UNWRA is called the Commissioner-General, who is now the Swiss national Pierre Krähenbühl.
The UNRWA has many functions in its support for Palestinian refugees. It divides its services into seven areas: education, health, protection, relief and social services, microfinance, infrastructure and camp improvement and emergency response. The organization builds schools for Palestinian children and also provides food to families in poverty. It provides healthcare for Palestinian refugees: through clinics, improving environmental health in refugee camps, and food aid to vulnerable groups, such as Palestinian families without a source of income. The organization helps build refugee camps.
The UNRWA's Microfinance Department provides financial services and loans to the refugees and helps them start businesses. It also responds to emergencies, such as providing to food and cash and other supplies to Palestinians affected by the Syrian civil war.
Read more about the function of the UNRWA here: https://www.unrwa.org/what-we-do
Demonstrations in the Gaza Strip
On Thursday, around a hundred Palestinians demonstrated in front of the UNWRA bureau in Gaza to call on the international community to provide donations. Almost half of the two million people living in the Gaza Strip are dependent on aid from the UNWRA. When the Islamist group Hamas took over the strip in 2007, Israel then imposed a military blockade over supplies entering the strip, monitoring food and supplies that enter there.


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Krimweg 102
1795 LS De Cocksdorp The Netherlands
Tel. +31-(0)222 31 62 14
Weather forecast
Thursday 02 April
3° / 10°
Friday 03 April
3° / 9°
Saturday 04 April
0° / 11°
Sunday 05 April
4° / 17°
You may park your car at your accommodation, with the exception of type 6C (bungalow number 259), the mobile homes (numbers 301 through 316) and camping pitches C2 and C3. In that case, please park your car at the nearby car park.
The Texel parking vignette
With the Texel parking vignette you can park for a day, a week or a year (December 1, 2016 - February 1, 2018) in the paid parking areas on the island. New from December 1, 2016 is the e-vignette. This electronic vignette can only be ordered digitally. For more information and current prices see the website. Want no parking vignette? No problem, you can also pay at the parking meters (made by debit or credit card). In this case, you pay € 2.50 per hour. A Texel
e-vignette is probably cheaper.
The ferry crossing
From Den Helder, TESO runs a ferry to Texel every hour. Check out the website for prices and the latest information about the ferry service.
Public transport
A bus runs from NS station Den Helder to the harbour, where the boat departs for 't Horntje on Texel. From 't Horntje, you can continue your travel with the Texelhopper to Landal Sluftervallei. The bus stops at the park. The Texelhopper should be booked beforehand. For more information and prices, visit the website or call
+31 (0)222 78 40 00.
Arrival and departure
|Friday from 3:00 PM
|Monday till 10:30 AM
|Monday from 3:00 PM
|Friday till 10:30 AM
|Friday from 3:00 PM
|Friday till 10:30 AM
|Monday from 3:00 PM
|Monday till 10:30 AM
|From 1:00 PM
|Before 12:00 AM
Good to know
Reception opening hours
For all your questions and obtain information please contact the reception. You will receive the current opening hours upon arrival at the park.
Flexible arrival days
During certain periods, you can arrive at the park on any day. For more information and bookings, please contact the Contact Centre on +31-(0)70 300 35 06.
Opening hours on arrival days*Park Shop:
- Friday until 8:00 PM
- Monday until 6:00 PM
- The kitchen is open for lunch from 12:00 pm and from 5:00 pm for dinner. Book before arrival a table at tel. + 31- (0) 222 31 68 19.
* Opening hours subject to change
Landal GreenParks App
By using the app, you can quickly and easily have up-to-date and useful information for your stay in the palm of your hand. The app gives you the park map, the activities overview and fun tips for things to do in the surrounding area.
Payment options at the park
At all facilities, you can pay as follows: Cash, bank card or giro card, VISA or MasterCard.
To rent
Bicycles, child carts and go-karts, children's bicycles and child seats, tennis rackets and balls, mini-golf clubs and balls and jeu-de-boules balls.
Internet facilities at the park
Free Wi-Fi at the restaurant. Wi-Fi for an additional fee in the accommodations. Buy your internet voucher quickly and easily at the reception. If you are staying in an (extra) luxe bungalow the Wi-Fi is for free. Read more about Internet & Wi-Fi at the park.
Maximum of one pet permitted per apartment (compulsory notification when booking). Surcharge for each pet: € 5.75 per night
- The prices shown only apply to new bookings;
- The prices shown are inclusive of end-of-stay cleaning and energy costs;
- The prices show are exclusive € 28.95 booking costs per booking and personal expenses: compulsory bed linen € 8.95 p.p., children's bed linen € 7.50 p.p. , tourist tax € 2.25 p.p.p.n. and preference costs, if any € 25;
- Promotional prices (last minutes) are not valid in combination with other discounts, promotions, offers, all-in packages or savings schemes;
- Obvious typing errors do not commit Landal GreenParks;
- Subject to price changes; the price stated on the confirmation/invoice is binding.


text:
After a University of Alberta hospital employee tested positive for HIV and hepatitis C, the Canadian province's health minister is looking into the methodology used for screening health workers, the Winnipeg Sun reports. Currently, health workers are tested for infectious diseases on a voluntary basis. The health minister is now considering whether to make it mandatory. Health officials are attempting to contact more than 200 patients who might have been exposed to the viruses between July 2006 and March 2009.
To read the Sun article, click here.


text:
10 Lovely 2018 Chevy Z06 – Chevrolet, colloquially referred to as Chevy and Officially the Chevrolet Division of General Motors Company, is the American Auto Branch of Their American Producer General Motors (GM). Louis Chevrolet and General Motors founder William C. Durant started the company about November 3, 1911 because the Chevrolet Motor Car Company. Durant utilised the Chevrolet Motor Car Company to acquire a controlling stake in General Motors using an reverse osmosis happening May 2, 1918 and propelled himself back to the GM presidency. Right after Durant's next ousting at 1919, Alfred Sloan, along with his maxim"a car for every purse and purpose", would choose the Chevrolet brand to turn into the amount leader in the General Motors family members, selling mainstream vehicles to compete together with Henry Ford's Model T 1919 and over taking Ford as the bestselling vehicle within the USA by 1929.
Chevy s Corvette ZR1 is GM s most advanced sports car ever, Source : pinterest.com
Chevrolet-branded cars have been sold in most automotive markets throughout the world, In Oceania, Chevrolet is represented by its Australian subsidiary, Holden, with returned into the region in 2018 following a 50-year shortage together with the launch of their Camaro and Silverado pickup vehicle. In 2005, Chevrolet was relaunched in Europe, chiefly attempting to sell vehicles assembled by GM Daewoo of South Korea together with all the tagline"Daewoo has grown up enough to become Chevrolet", " a movement wrapped generally Motors' effort to build a global brand around Chevrolet. With all the reintroduction of Chevrolet into Europe, GM planned Chevrolet to be always a conventional worth brand, whereas GM's conventional European standard-bearers," Opel of Germany, and also Vauxhall of the uk would be moved . However, GM reversed the move in overdue 2013, declaring the new could be removed from Europe, together with the exception of their Camaro and Corvette in 20-16. Chevrolet autos will last to get marketed in the CIS states, including Russia. After normal Motors fully acquired GM Daewoo from 2011 to generate GM Korea, the last using the Daewoo automotive brand was stopped at its own indigenous South Korea and succeeded by Chevrolet.
Corvette C7 Stingray mud, Source : autotribute.com
2018 Chevrolet Corvette New Interior Hot News 2019 Chevrolet Corvette Z06 C7 Grand Sport Corvette, Source : alohadreamcars.com
2016 Chevrolet Corvette Z06, Source : autoguide.com
USC80CHC061A, Source : autoblog.com
In the united states, Chevrolet produces and sells a wide assortment of cars, from sub-compact vehicles to medium-duty industrial vans. Due to the prominence and name-recognition of Chevrolet as one of General Motors' worldwide marques, Chevrolet, Chevy or Chev is used at times as a synonym for General Motors or its own products, one example being the GM LS1 engine, popularly known by the title or a variant of its progenitor, the Chevrolet smallblock motor.


text:
Grundfos Water circulator pump UPS 25-42 + Union
Tax Included
Product Code: UPS 25-42
Availability: In Stock
- Pumped liquid Domestic water
- Total head From 1 to 4.5 meter
- Flow rate From 5 to 60 Liter/minute
- Liquid temperature From 4 to 110 ºC
- Pump casing Cast iron
- Impeller Technopolymer
- Shaft Stainless steel
- Power (P2) 85 Watt
- Max. pressure 10 bar
- Frequency 60 Hz
- Voltage 220 Volt
- Rated current 0.4 Ampere
- Motor degree of protection IP42
- Motor insulation class F
- Electric cable With
- Pump Type Surface Pump
- Start and stop the residential pump automatically which connected directly to the interior water network
- The best solution for water weakness problem in top floors
- Easy installation
- Non return valve inside the automatic
- Protect the pump against dry running
- Totally enclosed for protection against the rain water and dust with protection degree IP65
- Works efficiently in high ambient temperature up to 55 C and high humidity up to 95%
- 2 years warranty and hand work is free of charge after warranty
- Special offer : The warranty is 30 months when purchase from Al Zamil online store.
- Spare parts and service centers at Al Zamil main branches
Made in Italy.
The price includes union
This product is Subject for delivery and installation policy
Please review the policy. click her


text:
Patterns in Social Entrepreneurship Research
Edited by Jill Kickul
Chapter 1: Opportunities for social entrepreneurship: an analysis of the social sector in six Midwest US areas
John E. Clarkin, Dayle D. Deardurff and Anne Gallagher
Bornstein and Davis (2010) introduced their book Social Entrepreneurship: What Everyone Needs to Know with a statement that is especially timely and relevant to this study. The authors stated, 'The subject [social entrepreneurship] spans so much activity today that no small book can adequately cover it' (p. xi). In this chapter, we have attempted not to cover the entire subject of social entrepreneurship, but rather to direct our research on one of the earliest parts of the process: entrepreneurial opportunities and the social sector context in which they occur. Currently, little is known about how social entrepreneurs recognize, explore or exploit opportunities. Few, if any previous studies have focused on the social sector context and its potential impact on entrepreneurial opportunities. As an emerging field of study, social entrepreneurship researchers often borrow frameworks or theories developed in other disciplines to help guide their work. In similar fashion, we used research frameworks and adapted definitions previously developed in the commercial entrepreneurship literature to better fit this study of social entrepreneurship. The scale of this chapter required delimiting our study to the social sector context as defined by organizations designated '501(c)(3) charitable organizations' by the US government, and focused on six Midwest US cities. These organizations represent a subset of not-for-profit organizations and nongovernmental organizations (NGOs) that provide social services in the US. Since the study is confined to one area of the US, we assumed that environmental factors such as socio-political, cultural, economic and governmental were comparatively constant and that smaller variations in context would be attributed to variations in the number and size of the charitable organizations in the social sector.
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Non-subscribers can freely search the site, view abstracts/ extracts and download selected front matter and introductory chapters for personal use.
Your library may not have purchased all subject areas. If you are authenticated and think you should have access to this title, please contact your librarian.


text:
- This event has passed.
Round 2 of the winter championship sponsored by 6t9
19th November 2017 @ 10:30 am - 4:00 pm
Event Navigation
Round 2 of the winter championship sponsored by 6t9
There will be 4 or 5 rounds weather permiting with a riders lowest score subtracted.
There will be three route plus 50/50, with classes for Ex, Inter,Nov, O/40,O/50, Twinshock, Pre65 and youth
Entry is on the day £15 fro adults £10 for youths.
Posh Nosh will be in attendance .
If you supply and observer you get a free ride and free refreshments the free ride can be used at any Macc private ground trial.


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An Architectural Technologist Dáil letter
by Bregs Blog admin team
The following letter was submitted by an Architectural Technologist to Mick Wallace TD in advance of a Dáil debate scheduled for May 27th 2014 on Building Control (Amendment) Regulations (SI.9 of 2014). In an earlier post have noted Mr Wallace's invitation for submissions and have posted up some qestions already submitted by Architectural Technologists (click to view post here). The name of the non-Dublin based Architectural Technologist has been removed at the author's request.
Dear Mr. Wallace
Thank you for taking an interest in this issue and hopefully you will get a chance to put our case forward on the 27th May.
My own situation is as follows:
I have an honours degree in Architectural Technology and am a Technologist member of the RIAI and a member of the CIOB. I have been working as a Technologist for 23 years with experience in design, project management, certification, building regulations etc. I have been self employed for the last 7 years.
Architectural Technologists have been totally excluded from the role of assigned certifiers and because of this I find myself in the position of having to tell both existing and potential clients that I can no longer supervise or sign off on their projects. I am already loosing work because of this.
The regulations refer to competent persons carrying out these roles and I would consider myself very competent and experienced and have been undertaking these duties throughout my career to date. The new regulations have taken this from me and so taken my career basically. A self employed Technologist cannot rely on another Architect or Engineer to carry out these roles as the client will simply go to those for the entire project.
In a recent Seanad debate Minister Hogan referred to the regulations excluding non-professionals and thereby inferring that Architectural Technologists are unqualified. This is extremely disrespectful to my profession and I see it as at best a lack of knowledge on his part.
The RIAI are also to blame in that they have not pushed for us to be included as assigned certifiers. They state that we can be ancillary certifiers, which basically puts us on a similar level as window suppliers, electricians, plumbers etc.
An obvious solution would be to create a register of professionals who could act as certifiers and that this be based on qualifications and experience, not just a blanket restriction on anyone outside the Architect, Engineer or Surveyor headings.
I appreciate your time and interest on this matter.
I look forward to following the debate on the 27th.
an Architectural Technologist
Other posts of interest:
Architectural Technologists' Dáil QUESTIONS – click link here
Dáil Debate 27th May on Architectural Technologists: help needed! – click link here
An Architectural Technologist's 6 questions to employer – click link here
Architectural Technologists and BC(A)R SI.9: CIAT – click link here
Architectural Technologist: Minister "disrespectful and misleading" in Seanad – click link Blog
Eoin O Cofaigh: The architectural technologist and BC(A)R SI.9 – click link here
Opinion piece: Architectural Technologists and the register: BC(A)R SI.9 – click link here


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Kitty Golightly!
Cindy has a super special best friend, her name is Kitty Golightly! Kitty Golightly is the coolest, funnest, sweetest, smartest, bravest, most loved and lovable cat in the world. She is Cindy's loyal sidekick--and vice versa! Cindy and Kitty Go do just about everything together, and they always have fun! Maybe it's because they love all the same fun things and share the same sense of humor! Kitty is a Cinderella story cat, but she can be a little bit of a diva and make Cindy laugh, laugh, laugh! Life is never boring with Kitty Golightly around, because she's brilliant and always thinks up fun things for her and Cindy to do. She keeps life exciting and fun--and cuddly, too! Wouldn't you like Kitty Golightly to be your sidekick?
Cindythingarama Home Cindythings Home
Copyright © 2006 by Cindy Atmore


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Henley on Thames
Temple Island Meadows hold events throughout the year including activities during Henley Royal Regatta, the 80's Rewind Festival, The Henley Swim events and The Henley Womens Regatta and The Henley Masters Regatta.
Temple Island Meadows, is located on the banks of the River Thames at Henley on Thames, on the borders of Buckinghamshire, Berkshire and Oxfordshire. With rolling meadows to one side and the picturesque Temple Island and the River Thames to the other.
- Address
Temple Island Meadows, Remenham, RG9 3DB
Henley on Thames
- Phone
- Not available
- Not available
- Directions
- A more comprehensive map will open in a new window by clicking here
Sorry, we don't have any Henley on Thames tickets on sale at the moment.


text:
Listening to BBC Radio 4 this morning I was shocked to hear that Apple had discovered an easy hack into their latest operating software. My shock was not so much at learning that the hack existed but rather that the BBC announcer explained the key strokes necessary to achieve success.
So now we can all do it.
Jolly good.