Travel and Leisure in Duisburg

Duisburg is a city in western Germany which is very important for the economy of the country. Along the centuries, in this area, people exploited the land’s natural resources, and mined coal, iron, copper and other metals. Today, Duisburg produces almost 50% of Germany’s hot metal and more than a third of Germany’s pig-iron. Using pig iron and other metals, the factories in the city produce large quantities of steel, and they’ve been doing this for a long time now. In the second World War, Duisburg played a very important role in the country’s war machine production. They also had a coal mine, but it’s been closed in August 2009.

Of course, tourists will not go to Duisburg to see the factories, unless they really like the “How it’s made” show on the Discovery Channel. They will, however, go there to experience life in Duisburg from other points of view. And the city offers plenty of activities to satisfy everybody.

First stop, the Zoo. An excellent place for animal lovers. They keep many animals there, in perfect living conditions and excellent simulated habitats. The Zoo was designed in such a way to induce a visitor the feeling that they are really walking into the wild. Wide spaces, very few cages, lots of light, lots of different types of vegetation, each setting being an excellent substitute for the natural living environment for particular types of animals.

Duisburg also offers the opportunity to visit the largest inland port in the world. Experience the Inner Harbor from one of the numerous pubs, cafes or bars, or explore it from the water on an interesting harbor cruise. Whether you are a fan of sports, culture, food or drink, you will not get bored at the Inner Harbor. Walking, jogging, cultural events, excellent dining, nice views – the Inner Harbor has been, for a long while now, the heart of Duisburg’s social and sporting activities.

Another attraction is the Wedau Water World, a place of fun, sun and leisure. Built with the idea to make people feel good no matter what their age is, the Wedau Water World gets you with big water slides, high-rope balance activities, boat rides, canoe rides and more.

Interesting architecture and buildings in Duisburg include: the bridge between the districts Duissern and Meiderich. Built in 1907, this bridge is a testament of German work discipline and precision planning. Then, we have the Alte Post, a representative building of yellow brick and contrasting red sandstone, the building is the old post office, located near the Town Hall. The third architectural point of interest is the Dreigiebelhaus, a historic jewel, the oldest surviving house in Duisburg (raised in 1536). Finally, we arrive at the picturesque mills of Duisburg, which are very cute. There are 8 mills in total, 6 of which are historical, made of red bricks and showing a design you only saw in Hollywood motion pictures with Frankenstein or Dracula.

Nobody has ever felt sorry for going to Duisburg for the holidays, so, if you too decide to choose this destination, don’t worry, there are 0 chances to regret it.

How to Select Your Insurance Advisor?

You must opt for a life insurance policy. If your finances allow, you must also get health insurance as well as home insurance. This way you would be able to save yourself from any sudden financial crisis. However, you need the best of persons when it comes to an insurance advisor. In this article, we will take you through five steps to hire the best LIC advisor in Delhi.

1. Always prefer a certified advisor

Your insurance advisor must have proper certification from the Insurance Regulatory and Development Authority (IRDA). This proves that he/she is not there to trick you or fraud you. Moreover, the guidelines laid down by this agency make sure that you are protected on all fronts. If a person is not certified by IRDA, legally he is not entitled to advise people on insurance. He may end up in jail. Therefore, before selecting an agent, make sure that he/she has all the necessary certifications.

2. He must be through with investment solutions

You must understand that insurance agents are much more than just a salesman. They must have a proper understanding of financial planning. They should be equipped with all the necessary information about the financial world, both domestic as well as globally. More importantly, your LIC advisor should have a proper understanding of your family and financial standing. This way he would be able to suggest you the best insurance for you. It is advised that you should first develop a good friendship with the advisor and only then allow him to enter your financial realm.

3. He must have a complete understanding of the product he wants to sell

The insurance advisor must have a thorough knowledge of all the insurance policies that his/her company sells. You should sit down and have a long conversation with him about the pros and cons of various policies. You must understand that every insurance company sells a hell lot of policies. Not all policies are meant for you. Your insurance advisor must suggest you the best policy for yourself after understanding your family and finances.

4. Does the follow-up?

He/she is a cheap insurance advisor if he/she forgets you after you have bought the insurance policy. This is not what a responsible advisor does. Even after you have bought the policy, you may have a hell lot of questions to be answered. He/she must update you about the product premium and all the necessary details to make the best of your insurance.

5. He must help you while fulfilling your claim

When a claim arises, an advisor plays a very important role. He is the sole contact person between the insurance provider and the policyholder. He must understand all the formalities that need to be fulfilled for a successful claim. If your claim is denied there was no point in opting for that insurance policy. A good insurance advisor will stand by you when you need him/her the most.

Intellectual Property – A Growing Concern for Many Types of Businesses

A few weeks ago, a prospective client approached our company seeking Intellectual Property Coverage. He did not fully understand the coverage but was adamant that a policy be issued as quickly as possible. Of course this raised some red flags. Upon further discussions, it was noted that his software company was being sued for copyright infringement from a US based company. Since there was a pending litigation in place, we were unable to assist in providing coverage and suggested he contact law firms that specialize in Intellectual property disputes. This unfortunate incident could have been avoided if his current insurance broker and the client took the necessary time to fully understand the business model and possible exposures. The policy issued to this client was a standard CGL policy covering premises liability and specifically excluded trademark, patent and copyright infringement. In today’s fast paced & uncertain economic environment, intellectual property suits involving infringement of trademark, copyright and patents are being filed and litigated at alarming rates with crippling costs to both parties involved.

So what exactly is Intellectual Property? It can be broken down as follows:

Industrial property – includes inventions (patents), trademarks & industrial designs
Copyright – includes literary & artistic works such as articles, novels, drawings, paintings, designs.

These exclusive legal rights allow the owners of intellectual property to prosper from the property they have created, thus allowing a financial incentive for the creation and investment in their intellectual property. However, many new start-ups in addition to small and medium sized companies do not fully understand their benefits or potential implications. These organizations may have very valuable rights but are unable to use them effectively while others are unintentionally violating intellectual property rights of others without being aware of costly legal ramifications.

Some important terminology was used above and should be explained further.

Patents – Cover new inventions including process, machine, manufacture or any new and useful improvement of an existing invention.

Trade-marks- Provide exclusive rights to word(s), symbols and designs to distinguish goods or services from others in similar marketplace.

Copyright – Only the copyright owner, often the creator of the work, can produce, reproduce, or grant permission to others to do so.

As technology moves ahead at lightning speed, it has made it increasingly easy to reproduce countless types of materials that are subject to copyright. Companies must be very careful not to infringe on the rights of others. Penalties for trademark, patent and copyright infringement have become very costly and will damage the reputation of these companies on a world wide scale. Up until the mid 1990′s, the primary assets of most companies was their building, equipment, stock etc. Not anymore. Although these items still are very valuable, intellectual property, computer data, customer information are just as valuable and could lead to financial hardship if they are not protected with proper security measures and specific insurance coverage’s.

When dealing with the various forms of IP, it is advisable to seek out a lawyer/law firm that specializes in copyright, patents, trademarks, or trade secrets. They should fully understand your business model and your technology as well as you do while being able to explain the legal issues in this complex field in clear, practical language that you can understand.

Another important way to protect IP is to obtain Intellectual Property Insurance. This coverage protects companies for copyright, trademark or patent infringement claims arising out of the company’s operation. An Intellectual Property policy will pay the costs to defend you if someone tries to claim the rights to the same business model, process, or application. As long as the company is not aware of any pending litigation, infringements or violations, one can apply for insurance to protect your trademark or patent. Very few standard insurance policies protect businesses from loss or damage to their intellectual property. Similar to seeking out a prudent lawyer, it is just as important to seek out a company that specializes in this type of insurance. Make sure the policy is not limited to your specific province or state but rather on a worldwide basis. With more and more insurance companies entering this market, it should be rather easy to obtain a policy that fits your exposure.