All posts by Anne Mason

Five Benefits of Music School Singapore That May Change Your Perspective

Between soccer and scouts, your school schedule is full of fun activities. If you are on the fence to add music lessons to the list, take note of the benefits that accompany your small violin signature or piano lessons. Maybe he will not be the next Beethoven, but he may have time to learn math, practice good manners (including patience!) And become a team player. Read on to find out more about the benefits of music education.

Improves academic skills.

Music and mathematics are closely linked. By understanding rhythm, rhythm, and scales, children learn to divide, create fractions, and recognize patterns. It seems that music connects a child’s brain to help better understand other areas of mathematics, says Lynn Kleiner, founder of Rhapsody music in Redondo Beach, California. As children grow up, they begin to recite songs, calling their memory short-term and possibly to their long-term memory.

Using a mnemonic rule for this device is a method that can be applied to other memory skills, says Mary Larew. Basic physics is also one benefit of musical instruments. For example, pulling strings from a guitar or violin teaches children harmonious and sympathetic vibrations. Even non-string instruments, such as drums and vibrators, give older children the opportunity to explore these scientific principles.

Develops Your Childs Physical abilities.

Some instruments, such as percussion, help children develop coordination and motor skills; They require movement of the hands, arms, and feet. This type of instrument is ideal for high energy children, says Kristen Regester, program director of the Sherwood School of Early Childhood Music at Columbia College in Chicago.

Rope and keyboard instruments, such as violin and piano and also electric guitar lessons require different actions of your right and left hands simultaneously. “It is like banging your head and rubbing your stomach at the same time,” Regester says. The instruments not only contribute to the development of ambidexterity but also encourage children to feel comfortable in naturally uncomfortable positions. Better coordination and better programming can prepare children for other recreational activities, such as dance and sport.

Music School Cultivates social skills.

You can learn the basics of team work by simply being involved in Group classes, as children need to work together to create a crescendo or accelerator. If a child touches his instrument too hard or accelerates too fast, he will have to adjust. Children need to know and understand their parts in a larger whole.

Music Rhapsody offers general music education courses in which teachers divide students into groups and assign each child a task. If a team is responsible for choosing instruments or creating a melody, students work towards a related goal.

It refines discipline and patience.

Learning an instrument teaches children a delayed gratification. The violin, for example, has a steep learning curve. You need to find out how to hold the violin before you can make a single sound, also to learn is how to hold the bow and where to place the feet.

Playing an instrument teaches children to persevere for hours, months and sometimes years of practice before reaching specific goals, such as playing with a band or memorizing a solo piece. “Private lessons and home practice require very focused attention for 10 minutes at a time.

Group classes, in which students learn to play the same instruments in a set, also improve patience, since children have to wait their turn to play individually. Moreover, waiting their turn and listening to their play, children learn to respect their peers to be quiet and remain silent for long periods of time determined and to be attentive.

Which Parties Are Affected By The Insurance


Marine cargo insurance is associated to the risk factors in transportation of goods by the sea which is covered by an insurance policy. As insurance has become a major factor to compensate risk for cargo as well as life, new and improved policies are made to help traders cover every aspect of the trade. As there are different parties involved in the policy, each is affected in their own way due to which a well-drafted contract is essential.


1)    The insured is the person who purchases the insurance in order to safeguard his cargo and have financial backing when losses are incurred. He is also called the beneficiary as the compensation claim is given to him.


2)    The insurance company that promises to compensate the liabilities when losses are incurred by the businessman is called an underwriter. Certain businesses are very complex and may require a more elaborate policy, in such cases more than one underwriter can be appointed to carry out specific work that will be mentioned in the policy. Unexpected accidents like storms, ship sinking, robbery, cyclone, bad weather, and collision are all threats at sea which are covered by the underwriter. Compensation, when pirates capture ships and destroy cargo, is also covered by the underwriter. Damages incurred due to a fire caused by faulty operation of the ship are compensated too. In the case of a sudden war break out, if the cargo or the ship is damaged in any way, the underwriter provides financial payment to cover the losses. The underwriter is also known as the insurer. In a general understanding, the insurance company is given these terms. But in reality, depending on the policy which is taken and the size of the business, other agents and middlemen intervene in the insurance procedures. Such individuals are:


  • Insurance Broker – He works on behalf of the insured and fulfills the formalities that the insured is unable to spare time for. He is generally paid on a commission basis. Some also take up the responsibility of collecting the insurance premium from the insured.
  • Loss Adjusters – They work for the underwriter. They conduct surveys to evaluate and negotiate claims. They participate actively in settlement of claims.
  • Surveyors – They engage in carrying out surveys to inspect cargo, transport facilities and the situation surrounding the claim. The insurer is provided a survey report.
  • Loss Assessors and Claim Consultants are requested to help present and negotiate claims.
  • Settling Agents and Managing Agents – the underwriters appoint agents in cities around the world who settle claims when the insurance involves that city.


The more global the business, the more middlemen are required to help with the documentation of insurance policies. Though digital documentation is the most accepted form of paper trail, yet the involvement of middlemen for large – scale businesses is the way to go.


Why Do You Need Professional Indemnity Insurance?

Professional Indemnity Insurance, also called PII or PI, is a kind of insurance cover that aims to protect professionals from compensation claims made by business clients. If you commit a mistake unintentionally when practicing the profession and it leads to damage to property and life, having a PII in place can protect your business.
Professionals who provide services, or any kind of product to their clients, do so with good intention, but sometimes it may so happen that the client may be dissatisfied or an employee may commit a mistake. In such cases, if the client files a legal proceeding against the business, it’s highly valuable to possess a PII. Different kinds of business have different requirements. For instance, a consumer product manufacturer will require a different type of protection when compared to a construction company. PII policies can be customized to meet the specific business needs, so it’s not difficult to find a policy that suits your specific requirements. Taking into consideration that your business is protected and you can also get a customized policy to meet your business requirements, it’s important that you consider buying a PII for your business.

A PII policy will cover all kinds of legal expenses that your business may incur and also the payouts to be made when there’s a legal proceeding filed by a client. The other benefit is that it will pay for settling a potential court case or claim out of court. This is highly advantageous since it is better that the reputation of your business isn’t at stake because of going to the court.

Next, PII will not only cover your business, but also your employees for negligence. This includes civil liability (contract breach or payments not made), duty breach, and infringement (damage or loss of your client’s data and records or any intellectual property infringement). In all of these cases, your client could sue you and this could result in vast financial expenditures and reputation loss.

If it’s unavoidable to go to court and your employee or business is wrongly accused, PII policy may let you hire professional defense lawyers to ensure that you win the lawsuit. This way, you will be safeguarded from legal liability. Many business owners feel that professional indemnity insurance is a costly affair, but it’s negligible when compared to the compensation claims that you could end up paying out. So, it’s high time you consider availing one for your business.

Employee benefits in Singapore

The main crux of running a business is being flooded with new ideas constantly. However, in order to give shape to these ideas, one needs people. There has to be human resources who take up the task of executing the ideas that the business leaders come up with.

Ask any business leader, and they would surely say that one of the biggest challenges of running a business is finding the right kind of staff. Even if you happen to find a set of talented and responsible staff, it would be a mammoth task to retain them in your company. Thus indeed people are the most important factor in a business.

The secret of a successful business is the meeting of the right ideas with the right kind of people.  For example, if you have the right kind of team and a good idea, then your business can surely make a million. However, paying a high salary is not enough to retain good and talented people in a company. There are many factors that one has to look into.

One of the major factors being making the workplace pleasant so that employees feel like coming to work in the very first place. Secondly, in big corporates, resolving internal politics amongst team members is also another task. However, there are certain employee benefits that every company has to give.

Employee Benefits:

Singapore is a place that has many big corporates functioning on its soil. These corporates provide many benefits to their employees. One such employee benefit is commercial insurance in Singapore. This commercial insurance in Singapore gives a lot of facilities to the employee. One such benefit is the mediclaim facility that the company provides for the employee and his or her dependents by tying up with an external insurance agency. The premium for such insurance policies are paid by the company. No money is charged from the employee.

Another example of such commercial insurance is workmen compensation that these agencies provide on behalf of the company for any accident that the employee might meet with while on duty. There is also another kind of commercial insurance called the group insurance that ensures the employee’s family receives a certain amount of money if the person dies while on duty.

These are the various types of commercial insurances in Singapore and elsewhere that often facilitate the employee retention policy of a company.

All There is to Know on the Workmen’s Compensation Act 

The original enactment of Workmen’s Compensation Act was passed in 1975 and revised in 2009. This act, also known as the Work Injury Compensation Act (WICA), falls under the category of commercial insurance Singapore.

What is Work Injury Compensation Act?

WICA or Work Injury Compensation Act is the government law that enables employees to make claims for the injuries suffered as a direct result of their line of work, circumventing the procedure of handling the issue through the common law by filing a civil law suit. This procedure simplifies the process of availing compensation and enables quicker settlement for the damages incurred.

Who is covered under WICA?

This act remains valid for all employees of a certain establishment regardless of their salary. The employee can either be under a contract of apprenticeship or service. Contract of Service is the agreement between the employer and the employee in which both parties agree to take on their respective roles as administrator and worker and the latter agrees to professionally serve the former to the best of their capacity. This agreement need not necessarily be written down; a verbal exchange will also suffice. An appointment letter seals this agreement. In order to negate future complications between the two parties, a written document in most cases is attested by both.

However, WICA does not cover:

  1. Domestic workers
  2. Self-employed or independent contractors
  3. Those who are uniformed like the Singapore Police Force, Singapore Arms Force, Central Narcotics Bureau, Civil Defense Force and Singapore Prison Service.

What can be claimed?

There are three types of claims that can be made:

  1. Medical expenses: The employee is bound to pay for all the work related accidents to a maximum limit of $36,000 or for a year from the date of accident, whichever comes first. Bills that can be claimed are ward charges, consultation fees, report fees, medicine cost, etc. Cost of physiotherapy can also be claimed provided the treatment is recommended by the doctor.
  2. Medical leave wages: Payment is made only on doctor’s recommendation for only working days.
  3. Lump sum compensation: The family of the injured can claim for a lump sum amount in the case of a serious accident that incapacitates the employee or death.

How to make the claims?

Typically, claims need to be made within a year of injury. To know about the specific procedure for employer and employee claims, consult with a specialist at Allegiance.