A Message From RAND Insurance: Welcome to winter and 2023! We hope this seasonal newsletter will provide you with some useful information. Thank you for giving us the privilege of servicing your insurance needs. Key Ways to Reduce the Risk of Water Damage from Frozen Pipes Frozen Pipe Season is Here Winter is here along with subzero temperatures. When temperatures plummet, the risk of your pipes freezing and bursting skyrockets. In fact, burst pipes are one of the most common causes of...

In the context of the upcoming EU proposal on repairing the current electricity market design, scheduled for the end of March, the EU launched a public consultation on Monday. The debate lays out several possible options “to build a more resilient market, providing an added value for European citizens and the industry at large in the current crisis context and beyond.” The expected proposal in March will aim to protect businesses and households from high energy bills and at the same time accelerate the...

Welcome to the new PORTUGAL FOR US platform, a dedicated marketplace that showcases the best brands and the latest collections exclusively made in Portugal. The new marketplace is available at www.portugalforus.com. Online shopping is one of the highest global growth trends and the United States is already one of the largest markets for the Portuguese fashion and home decor industries, with continuous growth in all product segments. With this new platform, AICEP – Portugal Global USA wants to scale up and...

As the World Economic Forum in Davos focuses on the ‘polycrisis’, the solution is to see this as a time of ‘polyopportunity’ for investment The congress centre, town and surrounding ski slopes promise a familiar backdrop for this year’s World Economic Forum in Davos, Switzerland. But the global context framing the debates among the world’s leading economists, politicians, business leaders and intellectuals represents uncharted territory. The world has lurched from one crisis to the next, and it faces several crises all...

HR is faced with a constant challenge to foresee, adapt and respond to new ways in which people want and expect to work Along with the immediate need to respond to concerns about the economic slowdown – and the global restructurings and reductions in forces that it spurs – HR teams are required to meet "business as usual" demands to retain and attract talent that is loyal and the best despite the difficult conditions. This means responding to the technological...

The Government of Canada's current fiscal plan may not tell the full story of the country's financial path. Budget 2022 and the November economic statement have laid out a fiscal plan based on plausible but optimistic assumptions about the economic and interest rate context that Canada will operate in for the foreseeable future. There are three key risks to the sustainability of the currect fiscal plan that we address in our assessment: planned spending is unlikely to be adequate to deliver...

Kettel Thomsen has served in the EIB’s Management Committee since Sept. 2020 His successor will be appointed by EU member states, the shareholders of the EIB President Hoyer thanked Kettel Thomsen for his service European Investment Bank (EIB) Vice-President Christian Kettel Thomsen has informed President Werner Hoyer of his decision to resign from the Management Committee, in order to take the helm of Danmarks Nationalbank, the Danish central bank. An economist by training, Kettel Thomsen started his term as EIB...