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
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| 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
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