Sunday, July 8, 2007

Small Business Insurance Primer

Adapted from content excerpted from the American Express® OPEN Small Business Network
It can be difficult to determine which kind of insurance you need for your small business. Different types of insurance have confusingly similar names; your state, town, or county may have its own insurance requirements; and many industries have coverage specific to them.
Insurance is one of the most neglected small business responsibilities. Not having the appropriate insurance for your small business is a mistake because a disaster can shut down your company permanently, or at least wreak havoc on your assets.
The Insurance Information Institute (III) in New York City estimates that about 40 percent of small business owners have no insurance at all, because many falsely believe they can't afford coverage. The truth is a small business can't afford not to have adequate insurance. Without insurance, you're unnecessarily putting your livelihood at risk. That's also why many landlords, suppliers, and other entities you work with will probably require you to have coverage.

Women and Gender Studies:A career oriented subject.

Priyodarshinee Auvi

The Department of Women and Gender Studies at the University of Dhaka is the first of its kind in Bangladesh which offers 4-year BSS (Bachelor of Social Science) and one year MSS (Master of Social Science) degrees on 'women issues' blending the theories and real life situations.

The department is working under the 'ISS (Institute of Social Science) Project' of Hague University, Netherlands and 'Institutionalising Department of Women's Studies Project' founded by Kingdom University, Netherlands. Curriculum development, gender training, research and publication, student exchange, stipend and scholarship, visit to universities, conference and seminars are included as the jobs to be done in the projects.

In the first and second year of the Department of Women and Gender Studies, the syllabus includes subjects under the Social Science Faculty such as Sociology, Anthropology, International Relations and Public Administration. A set of courses has been designed to enhance students' capacity for comprehension, articulation, expression and writing skill in both English and Bangla. Along with these courses, Statistics is also taught to impart students with statistical knowledge so that they may use and interpret data and have access to computer and information technology.

From the third year, many aspects of women issues, theory, practice and literature, women's marginality, subordination and also gender issues have been incorporated with the syllabus. In the MSS level, development strategies, theories and change agents, evaluation and analysis of the situation and status of women in Bangladesh have been given emphasis.

The Department was set up under the Social Science and Arts Faculty by a decision of the syndicate of the University of Dhaka in March 2000. Professor Dr Najma Chowdhury, Professor Dr Najmunnesa Mahtab, Dr Sadeka Halim (Asst. Professor, Sociology) and more than 30 volunteer teachers of University of Dhaka worked relentlessly to form the department.

At present about 200 students are studying in 6 batches in the department headed by a chair and 8 full-time and some part-time teachers. The department appoints part-time teachers as and when necessary. There are 3 project teachers who work for the research projects of the department. The department has a specially constituted Coordination and Development Committee responsible for planning development activities of the department. There is also a specially constituted Academic Committee to oversee matters relating to the academic activities of the department.

Students are quite happy with the teaching and learning environment, the classroom, teachers lounge, library, computer lab, seminar-room and refreshing room facilities. Tareq Jubayer, a student of the department said, "I'm happy I joined this department because there are good academic facilities and also opportunities for scholarshis in various countries. "

There are facilities to undertake research projects under some renowned universities of the world such as Queens University and the University of Virginia to name a few. Both the universities are situated in London. Not only the teachers, but the students of this department also can go there under scholarship provided by UK.

What is the future plan of Women and Gender Studies Department? The chair of the department Mrs. Ayesha Banu said, "Firstly we want to see that gender conscious people are placed in every sector of our country. That would help remove the existing discrimination between male and female from our country. To achieve the target we shall spread out the activities of the department in every corner of the country so that not only the women, but everyone can be enlightened with the light of equality." She further mentioned that M.Phil and Ph.D courses would start in the department within a short time.

There is ample opportunity in the global job market for the students of this department. Especially UN and the other renowned NGOs of the world are always open for the degree holders of this department. Opportunities for employment are also available in the research projects on gender issues under various universities.

Women and Gender Studies is a long established subject in all the developed and developing countries but it has been included recently in this country thanks to the efforts of the Dhaka University authorities.

Sharing means caring for e-mail marketers

Sharing means caring for e-mail marketers
By Rebecca Aronauer

E-mail marketers get a bad rap sometimes. The people responsible for sending participant-approved e-blasts are often confused with spammers, who illegally e-mail promises of quick money and easy fixes to unsuspecting mailboxes. But a new site is trying to be a one-stop shop for information on the best practices that can separate the legitimate marketers from the spammers.

Dot Email is a free community site for e-mail marketers. Created in January by Gold Lasso, an e-mail marketing firm based in Gaithersburg, Md., the site has message boards where users can vent and exchange ideas, as well as file-sharing applications that allow users to upload their own white papers and read the white papers of other users. The platform fits the Web 2.0 trend of user-generated content and sharing, believes Elie Ashery, the president of Gold Lasso. "I didn't see open source in the e-mail marketing community," Ashery says. "[But] a free flow of ideas is very healthy for the industry."

Although the site is new, it is becoming a community of sorts for e-mail marketers interested in developing a better image for the industry through best practices, says Steve Delgado, the Tucson, Ariz.-based marketing director of Arial Software, an e-mail marketing software company. "On this site, we're all trying to get to the same goal: to promote a permission-based e-mail platform," he says.

Everybody on Dot Email wants to participate in the best practices of e-mail marketing, but some of the members who are new to the profession don't know how. "A lot of marketers aren't educated about these best practices," Ashery says. For e-mail marketers to be successful, they don't have a choice: Either they use best practices, or their e-mails will get marketed as spam, making them worthless.

The rise of spam, and the subsequent rise to protect in boxes from it, means that e-mail marketers must vigilantly protect their reputations. Simple things such as deleting bad e-mail addresses can prevent e-mail marketers from being confused with spammers, who have high bounce-back rates because most of their distribution lists have phony addresses.

The site is still less than a year old and has yet to reach the critical mass Ashery envisions for it. But like any other open-source site, he expects it will grow by word-of-mouth, or in this age, through forwarded e-mails.