Extracts from the Newsletter -NOVEMBER 2008

Quick Links:
Executive Officer's Report
MDBA has moved
Government Subsidised Help For Small Business
E-Security
Prosperous future school update
Liability - is your business covered?
VIP Offer from The Good Guys

Executive Officer's Report

It would seem it is now time to buckle down. Global Recession is about the see things get a lot tougher for many businesses in our area and throughout the world.

So let me take the opportunity to remind you all of something important. SHOP LOCAL! Help yourselves by spending your precious dollars to support your fellow businesses in the Malaga area.

Support members of the MDBA by considering them when you make purchases. Our Sponsors in particular  such as 3 ,The Good Guys Malaga, Malaga Copy Centre, and loyal supporters Bridgestone Select Malaga and Office Choice Malaga.

If you are a member already of MDBA use your membership database when shopping. Consider who there is that may give you a discount or give you great service from your own association.

Need tasty meat for the staff BBQ ? Try Northside Quality Meats. Want to reduce your insurance costs? Try an Insurance Broker -our Association has two  being Dove Insurance Brokers & Cambridge Insurance Brokers who will look after your needs!  
David Vicars The Good Guys Malaga offers extra special price and service to MDBA Members .

Being a member of MDBA gives your company the opportunity to be hooked up to the right connections to buy and sell in our area. We are the “Gateway to Malaga!”. 

The membership form is on the inside back page of the printed newsletter or here. Fill it in and join today and look after your business and your own back pocket at the same time!

Please contact our office if you need the heads up on a business to use in Malaga – and don’t forget you can list your business for free on the classified section of this website.

Julie Davies
Executive Officer

wE HAVE MOVED

Our new address is:

Unit 1/1 Hunt Street, Malaga (Corner of Irvine)

Our phone and fax will remain the same: 08 9248 2526

and you can still email us at

GOVERNMENT SUBSIDISED HELP FOR SMALL BUSINESS

Are you running your own business and finding it tough to keep your head above the rising water?

If this is your experience then you will be delighted to know that a solution has been found.

Through a new Western Australian Government initiative, small business operators will have access to business skills advisors who will work with you in your workplace to identify and address critical issues to improve your on-going business performance.

As Well as providing a comprehensive business health check, our business skills advisors will help in a variety of areas including planning, finance, training, staffing, sales and marketing, through a tailor made solution.

A Government subsidised program, it costs only $350, tax deductible, for 3 hours of one-on-one practical advice or $1200 for 12 hours, at times to suit you!

Don’t do it tough any longer –  for more information call the West Coast Small Business Training Institute on 9301 0077.

E-Security

Are PDF files safe anymore?

Submitted by Ian Clements of Syswise I.T Services

Adobe	Versus	“PDF Xploit Pack”	“El Fiesta”

Adobe is widely known as one of the major companies that enable reading & creation of PDF files. Like other globally dominant software companies the Adobe has become the target to criminal groups seeking to utilize their potential to attack millions of users.

Are PDF files secure?

There area many programs designed to remove the PDF file security.
PDF Security Remover is just one of many products available for purchase.

PDF Security Remover - Adobe PDF documents password recovery

If security is an issue one must use a file encryption program (using strong encryption) while transferring the file to its destination. Because the file can be modified by the recipient (or people who have access to the recipient’s files), it has become critical to back up your originals.

Have computers that have older PDF reader/writer programs been compromised?

Update all your Adobe PDF programs, Flash players, QuickTime viewers & third party browser add-ons (that read PDF files). 

What are the dangers using an earlier version?

• Clickjacking – takes the victim to a new website and clicks links automatically.
• Port-scanning – gives the perpetrator the tools to test all your computer system’s “doors” & “windows” for a way in.
• Clipboard attacks – malicious code can copy and utilize data to & from your clipboard
• Invisible File Transfer – malicious code can upload and download to & from your computer.

Be Safe: Update your software, use quality Virus/Spyware programs, encrypt important files & backup your data responsibly.

Further information can be found at:
www.adobe.com/support/security/bulletins/apsb08-18.html            www.docep.wa.gov.au/WAScamNet
www.trustedsource.org/blog/153/Rise-Of-The-PDF-Exploits            www.ssoalertservice.net.au

Weekly E-Security columns can be read in the Malaga & Districts Business Association’s E-News

E-Security Training dates for your staff should be no more than 6 months apart. Contact Ian Clements at Syswise for more information:
ianc@syswise.com.au         Ph: 9375 2900

Syswise – Supporting servers, internet connections/security, networks, wireless, backups, development, staff training.

LIABILITY - IS YOUR BUSINESS COVERED?

In today’s world and the ever increasing law suits against businesses for negligence, it is vital to ensure you are protected against potential claims . One cover of significant importance for any Business is Liability insurance. Traditional insurance policies provide cover for two main exposures being Public Liability and Products Liability. The world has changed and with it new types of claims are becoming more frequent especially in the area’s of professional duty, employment practices, trade practices and management of a business.

There are a wide range of policies now available to provide protection. Some of the more common exposures addressed are:

Public/Products Liability

Covers your legal liability to pay compensation (including legal expenses) to third parties in the event of the Insured causing injury, death or loss of or damage to property arising out of business operations or products.

Professional Indemnity

Covers your legal liability to pay compensation to third parties for a loss sustained by them arising out of negligent acts, errors or omissions or civil liability on the part of the Insured in the conduct of their business.

Directors & Officers Liability

Covers the Directors and/or Officers of a business for their legal liability for wrongful acts committed whilst acting in their capacity as a Director or Officer.

Management Liability

Management Liability protects the individuals and the company in relation to the exposures associated with managing a company.  The key elements to the cover can include:

Directors and Officers: covers the Directors and Officers (including where the company can reimburse the directors) for any claim alleging a Wrongful Act (negligence, breach of duty, misrepresentations) by a Director or Officer.

Company Cover: covers the Company where there is a claim against the entity alleging wrongful acts.

Employment: covers the Company for claims alleging an employment breaches including wrongful dismissal, discrimination, harassment, deprivation of career opportunity, beach of contract etc.

Trustee: covers claims for trustees of staff superannuation fund.

Crime: covers the company for theft by its employees.

Many insurance companies now combine cover for the above exposures within one policy. It is important to remember that an insurance policy not only pays claims but also defends claims on behalf of the insured when applicable. Defence costs can sometimes be more than the actual claim costs.

Take time to review your insurances or engage the services of an insurance broker (brokers are your business partner and act for you not the insurance companies) to address your exposures. A simple check can avoid a potential claim not being covered, leaving you and your business to pay the costs!

CAMBRIDGE INSURANCE BROKERS PTY LTD Tel:          (08) 9248 7944 Fax:         (08) 9248 1344 Email:       general@cambridgeins.com.au

DOVE INSURANCE BROKERS PTY LTD Tel: 9248 1280 Fax: 9249 3270 Email: broker@doveinsurance.com.au

INTRODUCING A SENSATIONAL VIP OFFER FOR ALL MDBA MEMBERS!!

David Vicars The Good Guys Malaga base their business on building long term mutually rewarding relationships with their customers by providing outstanding prices, service and a massive product range. With one of Perth’s largest Television ranges, you’ll be spoilt for choice – come in and see our TV Wall and you will see what we mean!

As a proud member of The Malaga & District Business Association, David would like to offer all members of the MDBA the opportunity to purchase from the store at exclusive VIP pricing.

HOW IT WORKS:
The offer is open to all current members of the MDBA and applies to a wide range of products across our extensive range of electrical appliances. 

All members need do is show their MDBA Membership card and our friendly staff will look after the rest.

CONDITIONS:   

As with all offers conditions do apply and are listed below;   

Offer not applicable on:

• Games.
• Game consoles.
• Ipod products.
• Accessories.
• Catalogue or already reduced clearance tickets items.
• No further discounts will be given on already discounted stock items.
• Gift Cards.
• Vouchers. 
• Interest free purchases.
• Delivery, this is an additional cost which is set and non negotiable.
• The offer is available only at The Good Guys Malaga.

All purchases must be made by cash, credit card or cheque. All Interest free purchases will need to be negotiated at the time of purchase.  Any offer negotiated out side of these conditions will need to be authorised by The Good Guys Malaga management.

This VIP offer is non transferable and only MBDA membership holders are open to this offer.

At all times The Good Guys Malaga will do their best to ensure all members of the MDBA receive the best pricing possible, after all our motto is “PAY LESS – PAY CASH”. However all conditions are clearly listed above and will be adhered to for all purchases.

David and his staff look forward to seeing you soon!

You can find us at
1915 Beach Road Malaga
P: 9247 8200 F: 9247 8201
E: malaga@thegoodguys.com.au