Liability risks for it service providers: thin ice in case of project delays and data loss

Liability risks for it service providers: thin ice in case of project delays and data loss

Many IT service providers incorrectly assess the actual risks

The IT and cyber insurer Hiscox surveyed small and medium-sized IT service providers. One of the findings: The risk assessment of managers and executives does not match what the Hiscox claims statistics show as actual industry risks.

In other words, IT service providers underestimate what type of claim is most likely to be paid for. In addition, smaller companies in particular are often not sufficiently insured.

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Free credit cards with no annual fee – best offers 2023

Comparison of free credit cards without annual fee 2023: Advantages and disadvantages at a glance.

Free credit cards without an associated checking account are an interesting alternative to traditional credit cards, which are usually only offered in conjunction with a checking account. Many banks and financial institutions charge monthly fees for the combination of current account and credit card, which can amount to ten euros or more. But there are a growing number of providers that offer fee-free credit cards that can be used independently of a checking account.

In this article, we'll introduce you to eight no-fee credit cards that you can use as a complement to any checking account. We will look at the strengths and weaknesses of each card and give you important information about the terms and conditions. Because while many cards offer free cash withdrawal at ATMs in the eurozone, there are also cards that charge high interest if you do not repay the loan immediately in one go.

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National trade academy

National trade academy National trade academy National trade academy National trade academy

NTA offers New Zealand and international students training and education leading to New Zealand qualifications in a range of agricultural industries including: Agriculture, Equine, Horticulture, Agricultural Technology and Animal Care.

We offer international students English courses and classes that incorporate unique New Zealand experiences, such as English and horseback riding, English and rugby, and English and agriculture.

Our training center offers special facilities to ensure that you receive high quality and professional training. Located just ten minutes from Christchurch, giving our students access to practical training in the countryside with the option of living in a metropolitan area. The National Trade Academy covers 70 hectares on McLeans Island. All students are involved in the daily management and development of the farm and riding school. On site there are classrooms, a forestry block, horticultural facilities, a greenhouse, a shade house, tool sheds, irrigated pastures, a student lounge, a cafe, farm animals, sand riding arenas, stables and yards. Everything you would expect from a first class agricultural training facility conveniently located in one place.

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How can i calculate my credit line?

How can I calculate my credit line?

The amount of your credit installment is determined by your personal credit limit, which is usually based on your income and expenses, but can also be influenced by other factors.

What is a credit limit?

Personal credit can be beneficial if used in moderation, but too much of it can also be harmful. The Consumer Credit Act prevents credit from leading to over-indebtedness by setting an individual credit limit based on income and living expenses. These expenses usually include rent, health insurance, taxes, and other essential living expenses.

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How banks and insurers benefit from predicitve analytics

Today, many companies are benefiting from the diverse capabilities of AI. The auditor PwC wanted to find out via a survey how – and above all for what purpose – AI is being used, particularly within the financial sector in the DACH region. 45 percent of the decision-makers surveyed consider AI or. AI-based solutions to be an important innovation, but only nine percent also rate themselves as well-prepared.

How banks and insurers benefit from predicitve analytics
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Sleep apnea and digitally connected healthcare

The study: an observational study of more than 128.000 People with sleep apnea whose devices allow remote monitoring of therapy by the physician or the patients themselves via myAir, ResMed's cognitive behavioral-based patient engagement app for the web and iPhone®.

Findings: In a research study presented at the 2016 CHEST Congress of the American College of Chest Physicians, ResMed shared evidence that people who use online self-monitoring tools to manage their positive airway pressure (PAP) sleep apnea are significantly more likely to adhere to their therapy.

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Plus 8.5% due to weather: expensive partial casco brings trend reversal for car premiums

For the first time in over a year, average annual premiums for motor insurance are more expensive than in the previous year's comparison. This is mainly due to expensive partial cover tariffs: These are currently 8.5 percent higher than 12 months ago. This is what the Verivox car insurance index shows.

Storms make partial casco up to 8.5 percent more expensive

In the partial cover segment, the price turnaround has been apparent for some time now. Here, the average premiums have already been above the previous year's level again since the fall of 2021. At the end of the year, they were 8.1 percent more expensive – currently they are even 8.5 percent more expensive.

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Travel information on rental car offers

Travel information on rental car offers

Renting a car can make the rest fun or just miserable. This is the same as renting a car for any occasion. If you are considering traveling for a trip, you may consider renting a vehicle to make your trip more comfortable than in your car.

If you want to make the right choice when renting a car for a trip, you should talk to your travel agent to find out which car is best to rent and which is the best deal for you vehicle. Using a travel agent can save you money when purchasing a rental car. You will also know if there are any promotions going on at any given time that you are planning to travel for, which are not published publicly but only to travel agents.

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