Auto news on Youtube Aug 25 2018

When you purchase a home, your lending institution will require you to have

homeowners insurance to protect their investment in your new home.

But if you're renting a home apartment or a condo, your landlord may not require

you to have insurance. So if you're renting, do you need renters insurance?

The answer is yes and here's why. Your landlord has insurance to protect his or

her investment in their property. You need insurance protection for your

valuables, your possessions, your furnishings, your electronics, your

clothing, and that's what renter's insurance is for. Just think about it;

what if the apartment above yours was destroyed by fire? Your apartment wasn't

touched, but in putting out the fire, the water

and chemicals destroyed everything you own.

Renters insurance can help you get those possessions replaced and can provide

temporary living expenses until you can move back into your home. Renters

insurance also provides theft protection from your apartment or even from your

car. Or even from you when you're traveling, renter's insurance also

provides liability protection in case someone is injured in your home or files

a claim against you. It can help pay your legal costs. Renter's insurance policies

typically have lower limits than homeowners insurance policies and that's

because it only applies to the things that are inside the unit and not

replacing the entire home. That keeps your premiums low--as low as 15 dollars

per month for up to $35,000 worth of coverage. So if you're renting, take an

inventory of your personal belongings and then contact your professional

insurance agent to find the right renters insurance policy for you. Thanks

for watching!

For more infomation >> Do I Need Renters Insurance? - Duration: 1:41.

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Why Do I Need a Research Guide? - Duration: 1:19.

Don't you hate it when you can't find the information that you're looking for?

It's like finding a needle in a haystack.

But did you know the haystacks come in different shapes and sizes, and are filled with different

kinds of hay?

Like, when you search Google, the haystack is enormous with all kinds of information.

Search@UW, is more manageable and relevant to academic research, but it still contains

information from over 250 databases.

However, when you choose a subject-specific database, it's like you're choosing a

perfectly sized haystack.

You're more likely to find what you want.

But how do you choose the right database?

You start with a research guide!

Research guides list databases that contain information related to a subject-area.

For example, the Psychology and Counseling Research Guide links to PsychINFO and EBSCOhost

Psychology, cutting out all of the databases that have nothing to do with psychology.

You're also going to find tips for research and writing and how to ask a librarian for

help.

Just be aware that your research topic may cross research guide subjects.

To get started, write down your topic and ask yourself – what kind of scholar would

study this topic?

This will help you choose the right Research Guide.

Happy researching!

For more infomation >> Why Do I Need a Research Guide? - Duration: 1:19.

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Do I need to register? - Duration: 2:54.

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Are you asking yourself if you need to register

as a lobbyist under the federal Lobbying Act?

The Office of the Commissioner of Lobbying is here to help.

There are three main questions that help to determine

if registration is needed.

1. Are you paid to lobby?

A person must be paid to communicate with the federal government

to be a lobbyist under the Lobbying Act.

Volunteers and citizens acting on their own behalf do not need to register.

Other levels of government, including Aboriginal governments,

are also exempt.

There are two types of lobbyists:

Consultants are paid individuals hired by clients to lobby federal officials.

This could include those serving on boards of directors.

In-house lobbyists are paid employees of a corporation

or organization who communicate with federal officials

on behalf of their employer.

2. Are you communicating with a "federal public office holder?"

This group includes almost anyone

who works for the federal government:

employees in federal departments and agencies

members of Parliament and senators and their staff

officials appointed by the federal government, except federal judges

members of federal boards, commissions, and tribunals and their employees

members of Royal Canadian Mounted Police

and Canadian Armed Forces.

This communication can be direct, such as in writing or orally.

It can also be indirect, such as grass-root campaigns.

3. Are you communicating about changing the state of play?

This means communicating with

a federal public office holder about:

changing or influencing federal laws, policies, programs,

regulations or the awarding of federal grants

and contributions and other financial benefits.

Communicating for a client about the awarding of a federal contract

is also lobbying for consultant lobbyists.

Consultant lobbyists must also register if they arrange

a meeting between a public office holder and another person.

The requirement to register is triggered for the consultant lobbyist

as soon as they agree to any lobbying activity,

even if they don't lobby right away.

It does not include simple requests for information

or clarification of the application of an existing federal law, policy, or regulation.

If you answered "yes" to all three questions,

you may need to register as a lobbyist.

Remember you don't have to have lobbyist in your job title

or lobbying in your job description to have to register.

For example, an engineer who explains her employer's position

on a safety policy to federal regulators may be lobbying under the Lobbying Act.

If you still have questions

or are unsure whether or not you need to register,

please visit lobbycanada.gc.ca

or call 613-957-2760 for more information.

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