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Exam Code: CIPP-US Practice test 2023 by Killexams.com team
CIPP-US Certified Information Privacy Professional/United States (CIPP/US)
Title: Certified Information Privacy Professional/United States (CIPP/US) - IAPP CIPP-US

Test Detail:
The Certified Information Privacy Professional/United States (CIPP/US) exam, offered by the International Association of Privacy Professionals (IAPP), is designed to validate the knowledge and expertise of professionals in the field of privacy and data protection within the United States. This certification is intended for individuals who work with U.S. privacy laws and regulations.

Course Outline:
The CIPP/US certification program provides participants with comprehensive knowledge and understanding of privacy laws and regulations specific to the United States. The following is a general outline of the key areas covered in the certification program:

1. Introduction to U.S. Privacy Laws and Regulations:
- Understanding the legal and regulatory landscape of privacy in the United States
- Familiarizing with key U.S. privacy laws, including the Privacy Act, HIPAA, and COPPA
- Exploring industry-specific regulations and standards, such as GLBA and FERPA

2. Privacy Governance and Program Management:
- Developing and implementing privacy policies and procedures
- Establishing privacy governance frameworks and accountability measures
- Managing privacy risks and compliance obligations

3. Privacy in Practice:
- Conducting privacy impact assessments (PIAs) and privacy audits
- Managing data breaches and incident response procedures
- Addressing cross-border data transfers and international privacy considerations

4. Privacy Principles and Frameworks:
- Understanding the key privacy principles, including notice, choice, and consent
- Exploring privacy frameworks and standards, such as the Fair Information Practices (FIPs)
- Applying privacy by design principles and practices

5. Privacy Operations:
- Managing privacy documentation and records
- Implementing privacy training and awareness programs
- Monitoring and enforcing privacy policies and practices

Exam Objectives:
The CIPP/US test assesses candidates' knowledge and understanding of privacy laws and regulations within the United States. The test objectives include, but are not limited to:

1. Understanding the legal and regulatory framework of privacy in the United States.
2. Applying privacy principles and practices to various scenarios.
3. Implementing privacy governance and accountability measures.
4. Managing privacy risks and compliance obligations.
5. Addressing privacy challenges in practice, such as data breaches and cross-border data transfers.
6. Ensuring privacy operations and documentation meet regulatory requirements.

Syllabus:
The CIPP/US certification program typically includes comprehensive training provided by the International Association of Privacy Professionals (IAPP) or authorized training partners. The syllabus provides a breakdown of the syllabus covered throughout the course, including specific learning objectives and milestones. The syllabus may include the following components:

- Introduction to CIPP/US test overview and certification process
- U.S. Privacy Laws and Regulations
- Privacy Governance and Program Management
- Privacy in Practice
- Privacy Principles and Frameworks
- Privacy Operations
- test Preparation and Practice Tests
- Final CIPP/US Certification Exam
Certified Information Privacy Professional/United States (CIPP/US)
IAPP Professional/United Study Guide
Killexams : IAPP Professional/United Study Guide - BingNews https://killexams.com/pass4sure/exam-detail/CIPP-US Search results Killexams : IAPP Professional/United Study Guide - BingNews https://killexams.com/pass4sure/exam-detail/CIPP-US https://killexams.com/exam_list/IAPP Killexams : International Association of Privacy Professionals: Career and Certification Guide

Founded in 2000, the International Association of Privacy Professionals (IAPP) bills itself as “the largest and most comprehensive global information privacy community and resource.” It is more than just a certification body. It is a full-fledged not-for-profit membership association with a focus on information privacy concerns and topics. Its membership includes both individuals and organizations, in the tens of thousands for the former and the hundreds for the latter (including many Fortune 500 outfits).

Its mandate is to help privacy practitioners develop and advance in their careers, and help organizations manage and protect their data. To that end, the IAPP seeks to create a forum where privacy pros can track news and trends, share best practices and processes, and better articulate privacy management issues and concerns.

By 2012, the organization included 10,000 members. By the end of 2015, membership had more than doubled to 23,000 members. According to a Forbes story published that same year, approximately half of the IAPP’s membership is women (which makes it pretty special, based on our understanding of the gender composition for most IT associations and certification programs). Current membership must be between 30,000 and 40,000 as growth rates from 2012 to 2015 have continued, if not accelerated in the face of the EU’s General Data Protection Regulation (GDPR), which went into full effect on May 25, 2018. The IAPP also claims to have certified “thousands of professionals around the world.”

IAPP certification program overview

The IAPP has developed a globally recognized certification program around information privacy. Its current certification offerings include the following credentials:

  • Certified Information Privacy Professional (CIPP): seeks to identify professionals who work primarily with privacy laws, regulations and frameworks
  • Certified Information Privacy Manager (CIPM): seeks to identify professionals who manage day-to-day privacy operations for businesses and organizations
  • Certified Information Privacy Technologist (CIPT): seeks to identify IT professionals who work regularly (if not primarily) with privacy policies, tools and technologies on the job

All these certifications comply with the ANSI/ISO/IEC 17024 standard, which means they have been developed to meet stringent requirements for analyzing the subject matter and the fields of work to which they apply, along with formal psychometric analysis of test items to make sure that exams truly differentiate those who possess the required skills and knowledge to do the related jobs from those who do not.

All the IAPP exams follow the same cost structure, though charges vary by location. In the U.S., each first-time test costs $550, with a $375 charge for any subsequent retake of the same exam. Those who already hold any IAPP certification pay just $375 for each additional certification test they take. IAPP certification holders can either pay an annual maintenance fee of $125 to keep their certifications current (and meet continuing education requirements of 20 CPE credits every two years) or they must join the IAPP.

If a person joins, they’ll pay an annual membership fee. Currently, that’s $250 for professional members, $50 for student members, and $100 for all other membership categories (government, higher education, retired and not-for-profit). Those who elect to pay the certification maintenance fee need pay only once a year, no matter how many IAPP certifications they earn.

IAPP exams are available at Kryterion testing centers, which may be identified with its test center locator. Exams consist of 90 question items. Candidates may take up to 150 minutes (2.5 hours) to complete any IAPP exam. Payment is handled through the IAPP website, but Kryterion handles date and time windows for exams at its test centers.

Certified Information Privacy Technologist (CIPT)

This credential is the most likely place for a person working in IT to start their IAPP efforts. The CIPT validates skills and knowledge about the components and technical controls involved in establishing, ensuring and maintaining data privacy. To be more specific, the body of knowledge (BoK) for the CIPT stresses important privacy concepts and practices that impact IT, and makes sure that practitioners understand consumer privacy expectations and responsibilities.

It also addresses how to bake privacy into early stages of IT products or services to control costs and ensure data accuracy and integrity without impacting time to market. CIPTs understand how to establish privacy policies for data collection and transfer, and how to manage privacy on the internet of things. They also know how to factor privacy into data classification, and how it impacts emerging technologies such as biometrics, surveillance and cloud computing. Finally, CIPTs understand how to communicate on privacy issues with other parts of their organizations, including management, development staff, marketing and legal.

Certified Information Privacy Professional (CIPP)

IAPP describes this certification as just right for “the go-to person for privacy laws, regulations and frameworks” in an organization. This audience may include more senior privacy or security professionals with IT backgrounds, but it may also involve people from management, legal or governance organizations whose responsibilities include data privacy and protection concerns. This goes double for those involved with legal and compliance requirements, information management, data governance, and even human resources (as privacy is a personal matter at its core, involving personal information).

Because managing privacy and protecting private information is often highly regulated and subject to legal systems and frameworks, the IAPP offers versions of the CIPP certification where such content and coverage has been “localized” for prevailing rules, regulations, laws and best practices.

There are five such versions available: Asia (CIPP/A), Canada (CIPP/C), Europe (CIPP/E), U.S. Government (CIPP/G) and U.S. Private Sector (CIPP/US). As of this writing, the CIPP/E perforce offers the most direct and focused coverage of GDPR topics. That said, given that GDPR applies to companies and online presences globally, such material will no doubt soon make its way into other CIPP versions in the next 6-12 months. The U.S.-focused exams are already scheduled for a refresh in August 2018, as per the IAPP website’s certification pages.

For example, the CIPP/US page includes the following materials:

Each of the other regional versions of the CIPP has a similarly large, detailed and helpful collection of resources available to interested readers and would-be certified professionals.

Certified Information Privacy Manager (CIPM)

The CIPM is a more senior credential in the IAPP collection. It seeks to identify persons who can manage an information privacy program. Thus, the focus is on privacy law and regulations and how those things must guide the formulation of workable and defensible privacy policies, practices and procedures for organizational use. The CIPM BoK covers the following topics:

  • Privacy program governance: organizational vision, program definition and creating a privacy team; developing a privacy program framework; implementing a privacy policy framework; and identifying and using metrics to report on privacy for governance, auditing, and regulatory purposes
  • Privacy operational lifecycle: assess organizational and third-party partner and processor privacy posture, including physical and business assessments; establish privacy protections over the data lifecycle, following best cybersecurity practices and Privacy by Design; sustain privacy protections by measuring, aligning, auditing and monitoring privacy data; respond to requests for information about personal data; and respond to privacy incidents as they occur

In general, CIPMs play a lead role in defining and maintaining data privacy policies for their organizations. They will usually be responsible for operating the privacy apparatus necessary to demonstrate compliance with all applicable privacy rules, regulations and laws for the organization as well.

Other IAPP certifications

The IAPP also offers two other elements in its certification programs. One is the Privacy Law Specialist, which aims at attorneys or other licensed legal professionals who wish to focus on privacy syllabus in a legal context. The other, called the Fellow of Information Privacy (FIP), aims at those at the top of the privacy profession and is available only to those who’ve completed two or more IAPP credentials, including either a CIPM or a CIPT, and one or more of the CIPP credentials. It requires three professional peer referrals and completion of a detailed application form. We won’t discuss these credentials much more in this article, except to note here that the Privacy Law Specialist garnered a surprising 200 hits in our job board search (see below for other details gleaned thereby).

Finally, the IAPP website recommends the combination of CIPP/E and CIPM as the possible credentialing for those wishing to focus on GDPR, shown in this screenshot from its Certify pop-up menu:

IAPP employment: Job board stats and example jobs

We visit four job posting sites to check on demand for specific credentials: Simply Hired, Indeed, LinkedIn and LinkUp. Here’s what we learned.

Certification  Search string  Simply Hired  Indeed  LinkedIn  LinkUp  Total 
CIPP CIPP 668 745 1,064 401 2,878
CIPM CIPM 187 198 260 191 836
CIPT CIPT 146 155 276 210 787

The breakdown for CIPP fell out like this: CIPP/A 27, CIPP/C 287, CIPP/E 351, CIPP/G 154 and CIPP/US 401. As you’d expect, the U.S. categories combine for a majority, with Europe a surprising second ahead of third-place Canada.

Salary information appears in the next table. We collected low, median and high values for each credential, finding surprisingly little difference between the CIPM and the CIPP. Given that a CIPM is likely to hold a management position, this shows that the CIPP holds considerable value in employers’ estimations. It’s also interesting that the median values show the CIPT and the CIPP are close to one another too. This bodes well for IT professionals interested in pursuing the CIPT.

Certification

Low

Median

High
CIPP $33,969 $66,748 $131,156
CIPM $41,069 $73,936 $133,106
CIPT $32,131 $62,279 $120,716
Privacy Law Attorney $46,146 $89,026 $171,752

Typical positions for privacy professionals are very much one-offs. We found a risk management and compliance manager position at a South Carolina government agency charged with defining and implementing security and privacy policies for the department of corrections. That position paid $120,000 per year and involved security and audit compliance, business continuity and disaster recovery planning, and risk and incident management. By itself, the requested CIPM would not be enough to qualify for that job.

The next position was for a healthcare services director position in Albuquerque, New Mexico, which involved auditing, risk management, and contract and vendor negotiation. Its pay range was $140,000 to $190,000 per year, and it required serious management chops, along with IT governance and risk and compliance experience, with calls for knowledge of tools like Archer and Clearwell. The third position was for a senior data privacy associate at a Washington law firm, which sought a person with a CIPP/E, CIPP/US and CIPT, with pay in the $120K-$150K range.

Thus, it appears there are plenty of opportunities – some with high rates of pay – for those willing to climb the IAPP certification ladder. Both the job boards and the individual postings speak directly to strong and urgent need in the field for qualified privacy professionals at all levels.

Training resources

IAPP courses are available through many channels, including classroom training through the IAPP and its partner network. Online training classes are also available, for lesser charges. The IAPP provides ample references and resources, with authoritative and supplemental texts, websites, legal references and statutes, and more for each of its credentials. There’s also plenty of self-study material for those who prefer that route.

The IAPP also offers practice exams (which it calls demo questions) to help candidates prepare for exams. Surprisingly, there is even something of an aftermarket for IAPP books and materials, as a quick trip to Amazon will attest.

 Sun, 30 Jul 2023 12:00:00 -0500 en text/html https://www.businessnewsdaily.com/10910-iapp-certification-guide.html Killexams : A MOSAIC Study Guide

Editor’s Note: This story originally appeared on ByDanJohnson.com.

FAA proposed regulation has powerfully captured the attention of many pilots. Pilots have tons of questions. We have some answers. Everyone has a lot to read.

Overall, FAA’s Modernization of Special Airworthiness Certification (MOSAIC) regulation proposal has been warmly received as it opens the door to more capable aircraft that a sport pilot can fly. That’s good, but the document has problems, too. Following are four examples.

MOSAIC’s language invigorated many readers when the Notice of Proposed Rule Making (NPRM) expressed support for a sport pilot certificate holder to fly at night, with proper training and a logbook endorsement. Yet the proposal refers to other FAA regulations requiring BasicMed or an AvMed. If you must have a medical, you are not exercising the central privilege of a sport pilot certificate. Why suggest that a sport pilot can do things that are blocked by other regulations? This conflict should be resolved.

Another opportunity gap involves aerial work. We’re pleased the Light Aircraft Manufacturers Association (LAMA’s) request was included, but it requires a commercial certificate to fly for compensation, and this requirement eliminates powered parachutes and weight shift trikes, for which no commercial certificate is available. This is discriminatory and should be fixed.

Maintenance experts have lots of questions; see the video at bottom.

ASTM standards writers raised questions about the value of noise regulations included for no present gain, “requiring solutions before the problem exists.” This appears to have political motivations.

You may find other aspects of MOSAIC that urge you to comment. If so, you may find the following helpful.

MOSAIC Study Guide

I can’t imagine anyone genuinely enjoys memorizing MOSAIC. The NPRM encompasses many pages in dense language; it’s tedious to review.

It just got a lot easier, thanks to Roy Beisswenger. [Beisswenger is founder and proprietor of Easy Flight]

Beginning in 2014—well before MOSAIC existed—Beisswenger and I spent years advocating on behalf of the LSA industry and the pilots that fly those light aircraft to the FAA. Beisswenger was the lead author on several white papers LAMA submitted to support each of its requests. They went over so well with the FAA that they are mentioned in the footnotes.

As you will see in the attached PDF study guide, Beisswenger has done a monster amount of work in reformatting the documents so that you can walk through it and find what you want much easier.

Beisswenger also addressed specific comments I had, whereupon memorizing one section, the FAA refers to another, and then to another. Before long, you forget where you started and struggle to retrace your steps. You also need internet access to study the FARs published outside the NPRM. The continuous back-and-forth makes studying the document slow, yet the clock is ticking on public comments. At this writing we have just over 60 days left.

Reviewing the NPRM is far easier with this PDF study guide because of the bookmarks, links, and backlinks, plus already-highlighted text which shows what current FARs could be changed plus some lightly-colored text that illustrates where the FAA will insert new language.

MOSAIC will still take a significant effort to review carefully, but Beisswenger made the task much easier and faster.

The Magic of Bookmarks

If you open the study guide with Adobe Acrobat on almost any device or computer—or if you use Preview on Apple laptops/desktops—you will gain access to the bookmarks (look for a small icon in the upper right of a tablet or a smart phone; in Preview, show the Table of Contents. On both, use the triangles to drop down further and further). Bookmarks are your navigation friend, helping you jump to places of interest or study.

Beisswenger even embedded back buttons on some pages when reviewing the FARs. This helps readers not get lost in their investigations.

Of course, within Acrobat (or Preview), you can search for specific text.

I observe for you that such ease of review was not possible when the SP/LSA regulation was released in 2004 (three years before the iPhone was introduced).

When reviewing MOSAIC I recommend you follow aspects of particular interest to you rather than try to absorb the whole thing.

However deep you go, Beisswenger made it much easier. 

When you are ready to comment to FAA, use this link. We’ll have more advice on commenting as soon as possible but here’s some basic tips:

  • Keep your remarks to a purpose; ask for something.
  • Make specific requests.
  • Reference language when changes are needed.
  • Be constructive; no ranting.
  • Be original; use your own words.

To see MOSAIC comments already made, use this link.

More About MOSAIC

John Zimmerman, president of Sporty’s, thought our conversation in this edition of the “Pilot’s Discretion” podcast conveyed a lot of good information (audio—42 minutes). John was an excellent interviewer.

 Mon, 21 Aug 2023 17:46:00 -0500 en-US text/html https://www.flyingmag.com/a-mosaic-study-guide/ Killexams : The Guide to United First Class

Whether you’re headed off for a short flight or a long-haul trip around the world, first class is virtually always the most comfortable part of the plane. With United, a first class ticket gives you perks from the check-in counter to baggage claim. However, you’ll pay quite a bit more for the extensive list of privileges.

If you’re interested in learning more about the costs and perks of United First, as it calls its first class experience, keep memorizing to learn more about how it all works and if it may be worthwhile for you.

Domestic United First class experience

United First is available on flights in the U.S. and Canada, including Alaska and Hawaii. It’s important to note that United First is different from United Business and United Polaris. United Business class is available on flights between the U.S. and Latin America or the Caribbean, as well as some U.S. transcontinental flights.

However, for long-haul international flights, business class is the highest level of service. It’s called United Polaris. This is a completely separate cabin, and there is no first class for long-haul international flights. United Polaris provides a luxury experience with lie-flat seats, Saks Fifth Avenue bedding, restaurant-quality dining and more.

Since United First is offered on shorter flights, you will not find lie-flat seats in this cabin. Instead, you’ll get a large, recliner type seat. You also receive a free checked bag, bigger seat, priority boarding and security lines and complimentary alcoholic beverages.

🤓Nerdy Tip

It may seem counterintuitive that United's first class cabin is not its most superior product. However, the best way to think of it is in terms of seats. On domestic and short international flights, your seat is always a recliner, whether it's in economy (smaller seat) or first class (bigger seat). However, on long-distance international flights, you're receiving either a recliner seat (whether that's in economy or Premium Plus) or a seat that transforms into a bed (business class — United Polaris).

What to expect on United First class

The United First experience starts on the way to the check-in counter.

United Airlines Premier Access

Customers with this fare class get access to United’s Premier Access lane at check-in counters and the priority line for security. If there are long lines, this can save you a lot of time and might even let you arrive at the airport a little closer to flight time.

When you land, you’ll be among the first off the plane, which helps you get your bags and get on with your trip or get home as quickly as possible. From start to finish, United First is definitely a step up from other levels of service.

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Check out our nerdy picks for the best United credit cards and find the right card for you.

United First class baggage

In United First, you can bring up to two regular bags with no added fee. When you land, your bags will get priority handling and should be among the first to show up on the carousel. In contrast, Economy customers have to pay $30 extra to check a bag, and basic economy customers even have to pay extra to bring a carry-on.

United Priority boarding

When you arrive at the gate with a United First ticket, you’ll get a Group 1 boarding position automatically. The only passengers that board before Group 1 are people allowed to preboard like customers with disabilities and active members of the military.

Although you’re not boarding before this group, you’re still boarding before the majority of the other passengers.

United First class seats

Once onboard, United First features a bigger seat with more room to stretch out, a power plug, and extra tray table space so you can eat, drink, and work or watch a show on your laptop at the same time.

United First seating also includes some level of entertainment service. DirecTV is complimentary in United First, but you’ll still pay extra for Wi-Fi.

United First class food and drinks

One of the best parts of United First compared to economy is the food and beverage options. Those beers, wines and cocktails that cost money in coach are complimentary in first class. Many flights also include premium meal service without an extra charge.

Flights under an hour include basic snacks, while flights over an hour include refreshments. At two hours and 20 minutes or more, you’ll get a full meal service, depending on the time of your flight. Longer flights have better meals and choices.

How to book United First class

You have a few ways to make it into a United First seat. Those range from paying a United First fare to landing an upgrade. Here are the most common ways to book United First:

  • Pay cash: United First tickets can be purchased when you book your flight. Naturally, First class fares typically cost quite more than economy.

  • Get an upgrade to United First: If you have an economy seat and want to move up, you may be able to use miles to upgrade to United First.

Rescheduling your United First class flight

If there’s a chance you’ll need to reschedule your flight, then booking with United in almost any class of service — whether United First or economy — provides some of the most flexible travel of any U.S. airline. That's because as of August 2020, United does not charge change fees for most premium cabin domestic tickets (as well as economy tickets).

That said, if your new flight costs less, you will not receive a refund of the fare difference, even though there's no change fee. For example, maybe you really want an earlier flight and your ticket was booked in United First. If a seat is available in economy but not United First, you can have the economy seat — but you’ll have to eat the higher cost of the United First flight. Similarly, if your new flight is more expensive than the original flight you booked, you’ll have to pay the additional cost.

Additionally, United will allow you to join the standby list for free starting Jan. 1, 2021, if you want to take an earlier United flight on the same day.

MileagePlus Premier members have even more flexibility. Rather than try to fly standby, MileagePlus Premier members can request a same-day change for no extra charge, as long as the new flight is within 24 hours of the originally scheduled flight with the same origin, destination and fare class. If you make a change to a more expensive flight class, you’ll have to pay the difference.

Booking United First class with points and miles

If you’re on the fence about trying out United First, consider using frequent flyer miles or credit card rewards to get you to the front of the plane. When you redeem rewards for flights, your out-of-pocket costs are very limited. It’s a great way to give it a try without spending a lot more than economy.

If you’re interested in business class for long-haul flights, you’ll need to know the difference between United Business and Polaris.

The United co-branded credit cards may be worth considering if you want to earn MileagePlus miles that you can redeem for flights. In addition, credit cards that earn Chase Ultimate Rewards® points are helpful as well. Not only can you transfer points to United at a 1:1 ratio but you can also book United flights directly through the Chase Ultimate Rewards® portal.

Is United First class a good deal?

If you are loyal to United Airlines or just find it the most convenient airline for your travels, you may be wondering if United First is a good deal. Because the cost difference between economy and first class varies by flight, there is no right or wrong answer to this question.

For travelers who just care about getting from point A to point B in the cheapest and most efficient way possible, paying extra for United First probably doesn’t make sense. But business travelers, people who prefer luxury and those who are looking to earn elite status may find the added cost well worth it.

In many cases, flying first class more than doubles the cost of a ticket. You have to consider your budget and travel preferences when deciding how much you’re willing to pay, or if you’re willing to put in more miles, for shorter lines, free drinks and a bigger seat.

Frequently asked questions

United First is offered on flights within the U.S. and Canada. Those flying in United First Class receive pre-departure and in-flight benefits. Pre-departure benefits include up to two free checked bags and Premier Access, which allows you to check in at a designated counter, priority baggage handling, dedicated security lanes and priority boarding.

In flight, passengers sit in the front of the plane in a premium seat, have personal entertainment services, DirectTV, premium food and complimentary alcoholic beverages.

It depends. Access to United Club lounges is limited to those flying on United Polaris business class (international flights) and United business class (international and premium transcontinental flights). So, if you’re flying in domestic first class, you can access the lounge only if you’re on a transcontinental flight. However, if you are a United Premier Gold Elite or Star Alliance Gold member, you will be able to access the United Club lounge.

United First is available only on flights within the U.S. and Canada. United Business class is available on flights between the U.S. and Latin America or the Caribbean, as well as some U.S. transcontinental flights. The first and business class offerings are quite similar.

On other long-haul international flights, the business class product is called United Polaris, and is the highest level of service; there is no first class. United Polaris offers a luxury experience with spacious seats, Saks Fifth Avenue bedding, restaurant-quality dining, lie-flat beds, a separate cabin and more.

United First is offered on flights within the U.S. and Canada, and the type of meal service depends on how long the flight is. Flights under one hour do not include snacks, however you can bring your own on board. Passengers on flights between one hour and two hours and 20 minutes receive an “all-in-one” snack bag with a wrapped sanitizer wipe, a bottle of water and two snacks. On longer flights, your food options depend on which airport you fly out of. You will get a choice between a selection of sandwiches and a snack box or just a snack box.

What does United Airlines first class include?

United First is offered on flights within the U.S. and Canada. Those flying in United First Class receive pre-departure and in-flight benefits. Pre-departure benefits include up to two free checked bags and Premier Access, which allows you to check in at a designated counter, priority baggage handling, dedicated security lanes and priority boarding.

In flight, passengers sit in the front of the plane in a premium seat, have personal entertainment services, DirectTV, premium food and complimentary alcoholic beverages.

Do you get lounge access with United First Class?

It depends. Access to United Club lounges is limited to those flying on United Polaris business class (international flights) and United business class (international and premium transcontinental flights). So, if you’re flying in domestic first class, you can access the lounge only if you’re on a transcontinental flight. However, if you are a United Premier Gold Elite or Star Alliance Gold member, you will be able to access the United Club lounge.

What is the difference between United Business and First Class?

United First is available only on flights within the U.S. and Canada. United Business class is available on flights between the U.S. and Latin America or the Caribbean, as well as some U.S. transcontinental flights. The first and business class offerings are quite similar.

On other long-haul international flights, the business class product is called United Polaris, and is the highest level of service; there is no first class. United Polaris offers a luxury experience with spacious seats, Saks Fifth Avenue bedding, restaurant-quality dining, lie-flat beds, a separate cabin and more.

Does United Airlines serve food in first class?

United First is offered on flights within the U.S. and Canada, and the type of meal service depends on how long the flight is. Flights under one hour do not include snacks, however you can bring your own on board. Passengers on flights between one hour and two hours and 20 minutes receive an “all-in-one” snack bag with a wrapped sanitizer wipe, a bottle of water and two snacks. On longer flights, your food options depend on which airport you fly out of. You will get a choice between a selection of sandwiches and a snack box or just a snack box.

The bottom line

From better food to bigger seats, United First entails extras that will make your flight a lot more comfortable. First class seats in United are typically far more expensive than their economy counterparts when paying cash fares. But if you're close to reaching United elite status or are mulling applying for a United credit card, then use the promise of a potential upgrade to United First as incentive to help make it happen.

Photo courtesy of United Airlines.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:

 Thu, 10 Sep 2020 07:11:00 -0500 en-US text/html https://www.nerdwallet.com/article/travel/guide-to-united-first-class Killexams : The Guide to United Business Class

If you want luxury while jetting off across the country or across the world, you should know about business class. United business fares include a long list of perks and benefits you don’t get with an economy ticket.

The main difference between United's business class and first class is availability. United first class can only be flown on flights within the U.S. and Canada, whereas United business class can be flown between the U.S. and Latin America or the Caribbean, as well as on some transcontinental flights.

Read more to learn how United business class works and how to land a comfier seat for your next travel adventure.

What is United business class?

United business is a premium travel class from United Airlines that is available for flights between the U.S. and Latin America or the Caribbean, in addition to some transcontinental flights.

With a business class ticket, you’ll get a more comfortable and convenient experience, from the check-in counter to baggage claim. United uses different terminology to describe its premium cabin offerings. Here’s how you can tell the difference.

United business vs. United Polaris

United offers two business class products: business class and Polaris. Business class is generally offered on some short-haul international and certain transcontinental flights.

United Polaris, meanwhile, is the carrier’s business class product on long-haul international flights. It offers a luxury experience with spacious seats, Saks Fifth Avenue bedding, restaurant-quality dining, lie-flat beds, a separate cabin and more.

United business vs. first class

The airline's first and business class offerings are quite similar. The key difference is found in which routes have which fare class available.

  • United first class is available only on flights within the U.S. and Canada.

  • United business class is available on flights between the U.S. and Latin America or the Caribbean, as well as some U.S. transcontinental flights.

Now that you’re familiar with how to tell the difference between United business and other products, here’s what to expect and how to book a flight in United business class.

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United business airport experience

An upgraded experience starts the moment you walk into the airport, as Premier Access amenities are part of being a United business passenger. Instead of heading to a long check-in line, you’ll go straight to the Premier Access line for the fastest service. If you have bags to check, you get up to two standard bags at no additional charge.

Premier Access moves you through the security line swiftly, too — you’ll use a fast lane around economy passengers. You’ll also have a Group 1 boarding pass and be among the first to board.

When you deplane on the other end, in addition to being at the front of the plane and getting off first, you’ll get your bags quickly. Priority tags tell baggage handlers to put your luggage at the front of the line, and Premier Access designates that your bags should be among the first to show up at baggage claim.

United business in-flight experience

In the air, you’ll get a far more luxurious experience in business class than in the back of the plane.

United's business class features larger, more comfortable seats. The leather chairs come with electrical outlets, in-arm storage space (which fits books and laptops) and a mobile device holder. Flyers also have access to a bigger tray table with room for drinks, a meal and space to do a little work or watch a movie at the same time.

Alcoholic beverages are included, as well as premium snacks and meal service, depending on the route. United works with a select group of chefs to create unique in-flight meals.

Some United flights, including the 767-300 configuration, feature a large section of lie-flat seats, including these transcontinental routes that offer business class service:

  • Los Angeles and New York or Newark.

  • San Francisco and New York or Newark.

  • Boston and San Francisco.

The seats turn into a fully flat bed with 6 feet of sleeping space, plus your own 15-inch entertainment monitor.

Depending on the plane, you’ll get some level of private screening. That means you'll be able to use a seatback screen or your personal device to watch shows on your own schedule. Business class also includes complimentary DirecTV service in the air. Wi-Fi internet still costs extra, however.

Overall, this is a great way to travel, but it doesn’t come cheap. Here's how you can make your way into United business class for your upcoming trip.

Booking United business class

Some of the best values for miles and points can come from a premium booking on United. You can book with cash or points, or upgrade to United business.

  • Paid fares: The easiest way to fly business class is to pay for a United business ticket. This may be quite a bit more expensive than an economy fare, so it’s up to you to decide whether it’s worth the added cost.

  • United MileagePlus awards: If you have enough miles in your MileagePlus account, you can log in to United to book an award flight in United business class. While a redemption requires more miles than an economy ticket, you often get the best value per mile when booking in a premium class of service.

  • United business upgrades: United MileagePlus elite members, some United credit card holders and other regular United customers can get into a United business seat with an upgrade. United elite members can also qualify for free upgrades because of their status with the airline.

Rescheduling your United business class flight

If there’s a chance you’ll need to reschedule your flight, booking with United in almost any class of service — whether United business or economy — provides flexible travel options. As of August 2020, United doesn't charge change fees for most premium cabin tickets (as well as economy tickets) for flights within the U.S.

If your new flight costs less, you’ll be able to change for free but won't receive a refund of the fare difference. For example, maybe you really want an earlier flight and your flight was booked in business class. If a seat is available in economy but not business class, you can have the economy seat — but you’ll still have to eat the full cost of the business class flight. Similarly, if your new flight is more expensive than the original one you booked, you’ll have to pay the additional cost.

Additionally, United allows you to join the standby list if you want to take an earlier United flight on the same day.

MileagePlus Premier members have even more flexibility. Rather than try to fly standby, MileagePlus Premier members can request a same-day change for no extra charge. The new flight has to be:

  1. Within 24 hours of the originally scheduled flight.

  2. The same origin and destination.

If you make a change to a more expensive flight class, you’ll have to pay the difference.

If you’re looking to book an award seat with United, it helps to have a United credit card. Having one linked to your MileagePlus account gives you access to award seats not open to the general public.

Frequently asked questions

It depends which business class product you’re flying, because United has two business class offerings: business class and Polaris. United business class is available on flights between the U.S. and Latin America or the Caribbean, as well as some U.S. transcontinental flights, and on these flights, there are no lie-flat seats. United Polaris is the airline’s business class product on long-haul international flights and the seats extend fully into lie-flat beds.

No, because United offers two distinct business class products. United business class is what you’re flying when traveling between the U.S. and Latin America or the Caribbean, as well as some U.S. transcontinental flights. United Polaris is the airline’s business class product on long-haul international flights.

Does United have lie-flat seats in business class?

It depends which business class product you’re flying, because United has two business class offerings: business class and Polaris. United business class is available on flights between the U.S. and Latin America or the Caribbean, as well as some U.S. transcontinental flights, and on these flights, there are no lie-flat seats. United Polaris is the airline’s business class product on long-haul international flights and the seats extend fully into lie-flat beds.

Is all United business class Polaris?

No, because United offers two distinct business class products. United business class is what you’re flying when traveling between the U.S. and Latin America or the Caribbean, as well as some U.S. transcontinental flights. United Polaris is the airline’s business class product on long-haul international flights.

Is United business class worth it?

If you can afford the added luxury of business class, it is a much nicer travel experience. Saving time in lines, enjoying a few complimentary drinks in the air and reclining in a lie-flat seat are all good reasons to choose business class.

Of course, that premium seat comes with an added cost. For many people, that makes business class with any airline a no-go. But if you have the means or the miles, United business class may be completely worthwhile.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:

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Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Mishaps happen. But mistakes made during the course of running your business could be costly and result in a lawsuit. For example, if you fail to deliver by a deadline or a client says your professional advice resulted in financial harm, you may face legal challenges.

A claim against your company—even without merit—can result in expensive legal fees and be financially devastating.

What Is Professional Liability Insurance?

Professional liability insurance is a form of business liability insurance that covers your small business against claims of mistakes in professional services, even if the claim has no merit. Also known as “errors and omissions insurance,” professional liability insurance can be a key component of the best small business insurance policies.

How Does Professional Liability Coverage Work?

If someone claims your business made a mistake, your professional liability insurance will cover your legal fees, settlements and judgments up to your policy’s limit. For example, if you’re sued because of a mistake that causes your client to lose money, you’ll be covered for your legal costs and settlement.

What Does Professional Liability Insurance Cover?

As good as your company may be, mistakes are bound to happen. That’s why it’s worth considering adding professional liability insurance to a small business insurance policy.

Professional liability insurance is also known as errors and omissions insurance. It covers the costs associated with claims of professional mistakes, including legal fees, court judgments and settlements, and other types of fees, such as licensing board penalties.

Professional Liability Insurance Examples

Here are some examples of mistakes that could prompt a client to sue your company.

  • Incorrect or inaccurate advice: A financial consultant provides advice that results in lost revenue.
  • Misrepresentation: A contractor fails to complete a renovation on time, resulting in a client being unable to open their business and losing revenue.
  • Negligence: A lawyer fails to file a complaint on behalf of their client within the statute of limitations, resulting in the client losing money in both legal expenses and a potential award had the case gone to trial.
  • Violation of good faith and fair dealing: A realtor fails to disclose key information to the buyer.
  • Copyright infringement: A website designer unintentionally uses a copyrighted image without permission.

What Does Professional Liability Insurance Not Cover?

Here are some common exclusions found in a professional liability insurance policy:

  • Bodily injury or property damage. Accidental injuries and property damage caused to others (such as a client who slips in your store) is covered by the general liability portion of your business insurance policy.
  • Client information or customer data. If you want coverage for cyber attacks and problems such as data breaches, stolen information and cyber extortion, you’ll need to buy cyber liability insurance.
  • Employment practices. Lawsuits arising out of claims of violation of your employees rights, such as wrongful termination or harassment are covered by employment practices liability insurance policy.
  • Illnesses and injuries. Injuries and illnesses suffered by your employees while performing work-related tasks are covered under workers compensation insurance.
  • Intentional or dishonest acts. This includes illegal acts and purposeful wrongdoing. Losses caused by international or dishonest acts are also not covered.
  • Patents and trade secrets that you obtain without the owner’s permission are not covered by professional liability insurance if you are sued. A general liability policy might cover some costs if you steal intellectual property.

Cost of Professional Liability Insurance

Professional liability insurance costs an average of $61 per month, according to Insureon. About a third (32%) of Insureon small business policyholders pay less than $50 a month—or $600 a year—for professional liability insurance.

Your professional liability insurance costs will depend on a handful of factors:

  • Your industry.
  • The size of your company and number of employees.
  • Your revenue.
  • The common risks that your industry faces.
  • Your business location.
  • Your claims history.
  • The coverage limits that you choose.

What Is the Difference Between General Liability and Professional Liability?

There are some key differences between general liability insurance and professional liability insurance:

  • General liability insurance covers accidental injuries and property damage caused to others. For example, if a customer slips on spilled liquid in your store and sprains their knee, your general liability insurance covers their medical expenses and legal costs if you are sued.
  • Professional liability insurance covers claims of mistakes you made in the course of running your business. For example, if you are sued because you missed a deadline and caused your client financial harm, your professional liability insurance covers your legal costs, judgments and settlements.

Who Needs Professional Liability Insurance?

In some states, you may be required to buy professional liability insurance if your licensing board requires it. For example, real estate agents are required to show proof of professional liability insurance before they get their real estate license in more than 10 states.

Here are some examples of the types of businesses that could benefit from professional liability insurance:

  • Accountants
  • Architects
  • Consultants
  • Content marketers
  • Counselors
  • Engineers
  • Graphic designers
  • Health care professionals
  • Insurance professionals
  • Personal trainers
  • Investment advisors
  • Real estate agents
  • Stockbrokers
  • Tax preparers
  • Technology professionals

How Much Does Professional Liability Insurance Cost?

Professional liability insurance costs an average of $61 per month, according to Insureon. Less than a third (32%) of Insureon small business policyholders pay less than $50 per month or $600 per year for professional liability insurance.

Your professional liability insurance costs will depend on a handful of factors:

  • Your industry
  • The size of your company and number of employees
  • Your revenue
  • The common risks that your industry faces
  • Your business location
  • Your claims history
  • The coverage limits that you choose

How to Find the Best Professional Liability Insurance

Know How Much Coverage You Need

It’s important to figure out how much you’ll need based on your industry, size of your company and level of risk. It’s a good idea to speak with an independent insurance agent who can help you select the appropriate coverage amount.

The limits of professional liability insurance can range from $250,000 to $2 million. Most Insureon policyholders (63%) purchase a $1 million professional liability insurance policy.

Compare Insurance Quotes

Doing side-by-side shopping by comparing business insurance quotes from a few different insurance companies will help you determine what policy covers your bases at a reasonable cost.

Look for Discounts

Some insurance companies offer a discount for bundling professional liability insurance with other types of small business insurance.

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Compare Free Quotes From Top Insurers at Simply Business. Get a Policy in Under 10 Minutes.

Professional Liability FAQs

What are the two main types of professional liability policies?

The two main types of professional liability policies are claims-made and occurrence-based. Most professional liability insurance policies are claims-made, which cover claims reported during the policy period. An occurrence-based policy means you’ll be covered for claims that happen during your policy period, even if the claim is reported after your policy expires.

What is proof of professional liability insurance?

A certificate of liability insurance is proof that you have professional liability insurance. Your client or profession may require this. A certificate of liability insurance includes basic information such as your coverage limits, name of your insurance company, policy number, and policy start and end date.

Your insurer should provide you with a certificate of liability insurance at no cost. If you lose your certificate or need another copy, you can typically get one through your insurer’s online portal or by contacting your insurance company.

Is professional liability insurance the same as errors and omissions?

Professional liability insurance is the same as errors and omissions insurance. It’s a form of small business insurance that covers your business against claims of mistakes in professional services, such as services that are inaccurate, late or never delivered. It covers your legal costs, judgments and settlements.

Is professional liability insurance tax deductible?

Small business owners can generally deduct the cost of business insurance from their taxable income, including professional liability insurance.

Other types of business insurance premiums that may be tax deductible include general liability insurance, commercial property insurance, commercial auto insurance and workers compensation insurance. But certain types of premiums cannot be deducted, such as premiums on disability insurance that covers your lost income or loan protection insurance. It’s a good idea to consult with a tax professional.

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The two main products used for teeth whitening are hydrogen peroxide and carbamide peroxide. Unlike a whitening toothpaste that uses an abrasive ingredient to mechanically remove surface-level stains, the oxygen molecules within these whitening agents weaken your tooth stains on a molecular level.

Many over-the-counter (OTC) whitening strips, kits and pens also use a form of peroxide. The difference between these and professional teeth whitening is the chemical concentration.

“In the office, we use a very high percentage of hydrogen peroxide because we have the capability to isolate the teeth,” says Joseph Michael Brofsky, head of pediatric dentistry at Cohen Children’s Medical Center of New York. “We use a special rubber dam to protect the patient’s gums because if peroxide gets onto the gums, it would burn them.”

Like at-home whitening products, there are a variety of professional teeth whitening methods. In-office professional whitening is a quicker, albeit more costly way to lighten up your pearly whites. Meanwhile, custom take-home trays fall somewhere between in-office professional whitening and an OTC whitener in terms of treatment time and cost.

In-Office Whitening

In-office professional whitening treatments are typically completed in several short appointments but will depend on your unique needs. A whitening agent is left on for 15- to 30-minute increments, and the entire appointment should take no longer than an hour and a half.

There are a few types of in-office whitening treatments:

  • A high concentration hydrogen peroxide gel, which is applied by a syringe.
  • A hydrogen peroxide combined with a high-intensity light, like LED, UV or halogen. The light is applied by a lamp or laser device that sits directly outside of your mouth.

Halogen light and laser light increased teeth lightness more than hydrogen peroxide alone, according to a 2016 study in the Journal of Conservative Dentistry. After three weeks, study participants in the halogen and laser light groups still had the white teeth color achieved during treatment while the non-light group had “shade rebound” after just two weeks—initially brightened teeth became darker.

However, some studies show no benefit from using a light tool such as a laser or lamp over a whitening gel alone.

Aside from effectiveness, is light exposure safe for your smile? A 2020 study in Materials found that tooth cells recovered well after LED light-accelerated technology, concluding that most side effects are “temporary and transient.”

What to Expect at an In-Office Teeth Whitening Appointment

In-office whitening typically involves several steps:

  • Your dentist will use a tooth shade chart to determine the current shade of your teeth. You’ll discuss how many shades lighter your smile may become after whitening.
  • Your dentist will then use a pumice tool to polish your tooth and remove any remaining plaque.
  • To ensure the whitening agent doesn’t touch any fleshy parts of your mouth like your gums, cheeks or tongue, your dentist will use tools to keep your mouth open. A barrier is placed along the gum line.
  • Your dentist then applies the whitening agent and leaves it on for up to an hour. This is also when your dentist would use light activation if that’s part of your treatment.
  • If the specific whitening agent requires additional coats, your dentist will reapply it.
  • Once the whitening process is complete, your mouth is rinsed. Your dentist may apply fluoride, which will help mitigate any potential sensitivity.
  • You and your dentist discuss if your teeth have reached the desired shade and the lifestyle habits you’ll need to practice for the next day or so to let the whitening agent sink in. These include not eating brightly colored foods and resisting coffee and red wine. Immediately after whitening, your teeth are dehydrated, making them extra susceptible to liquid and food stains.

Even if you stick to your dentist’s recommended regimen of resisting bright foods, coffee and wine, your teeth may appear a bit darker a few days after whitening. But don’t be discouraged. The dehydration caused by teeth-whitening makes them look immediately bright right after your procedure. After a week, if your teeth are not at your preferred shade, speak with your dentist about whether or not there’s potential for them to become lighter with at-home products or more in-office visits.

Take-Home Trays

While in-office whitening is fast, custom take-home trays require some diligence on the part of the patient. They may be your only treatment or a follow-up treatment to in-office whitening if your dentist believes your smile is prone to getting new stains again soon.

With a professional take-home-tray, your dentist will make an impression of your teeth for a custom-fabricated tray. Because this tray will fit perfectly to the shape of your mouth, it will typically give you more comprehensive whitening results than OTC trays. Instead of a hydrogen peroxide-based gel, you’ll most likely get a carbamide peroxide-based gel to place in the tray and use at home. Even though it doesn’t whiten as quickly as a hydrogen peroxide-based gel, you’re less likely to experience sensitivity if you accidentally get it on your gums, cheek or tongue.

The concentration of the gel your dentist gives you for your custom-fit trays ranges from 10% to 38% carbamide peroxide, according to the American Dental Association. Your duration of treatment will also vary, from wearing your tray from two to 10 hours a day, and for up to 28 days. Over-the-counter trays come with a similar percentage of carbamide. The difference in quality is in regards to fit. A custom tray will fit directly around your teeth, giving little room for the gel to slip up to your gums or miss whitening hard-to-reach crevices.

Everything You Need For a Brighter Smile

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 Thu, 17 Aug 2023 05:59:00 -0500 en-US text/html https://www.forbes.com/health/dental/professional-teeth-whitening/ Killexams : Hydro One and the Society of United Professionals reach tentative settlement

TORONTO, Aug. 15, 2023 /CNW/ - Hydro One Inc. (Hydro One) and the Society of United Professionals are pleased to announce a tentative settlement of a collective agreement covering employees in engineering, supervisory and professional roles across the company's operations in Ontario.

Hydro One Inc. Logo (CNW Group/Hydro One Limited)

"The employees represented by the Society of United Professionals play an important part in energizing life for our customers and communities across the province," said David Lebeter, Hydro One President and CEO. "We are pleased to reach a tentative settlement and want to thank the respective bargaining teams for negotiating to reach this outcome."

"The Society of United Professionals prides itself on working collaboratively with our employers to negotiate top-flight collective agreements that are fair for everyone," said Michelle Johnston, President of the Society. "I want to congratulate the leadership of both parties for reaching a tentative deal that addresses our members' concerns at the bargaining table. We look forward to the ratification of the agreement so that we can get back to the work of electrifying Ontario together."

Union members will vote on the tentative agreement with the outcome anticipated later this fall. Once ratified, the agreement will be in effect until September 30, 2025.

Hydro One Limited (TSX: H)

Hydro One Limited, through its wholly-owned subsidiaries, is Ontario's largest electricity transmission and distribution provider with approximately 1.5 million valued customers, approximately $31.5 billion in assets as at December 31, 2022, and annual revenues in 2022 of approximately $7.8 billion.

Our team of approximately 9,300 skilled and dedicated employees proudly build and maintain a safe and reliable electricity system which is essential to supporting strong and successful communities. In 2022, Hydro One invested approximately $2.1 billion in its transmission and distribution networks, and supported the economy through buying approximately $1.9 billion of goods and services.

We are committed to the communities where we live and work through community investment, sustainability and diversity initiatives. We are designated as a Sustainable Electricity Leader™ by Electricity Canada.

Hydro One Limited's common shares are listed on the TSX and certain of Hydro One Inc.'s medium term notes are listed on the NYSE. Additional information can be accessed at www.hydroone.com, www.sedarplus.com or www.sec.gov.

About the Society

Founded more than 70 years ago by engineers who wanted better working conditions, the Society of United Professionals is the union of choice for more than 9,000 professionals in the public, private and not-for-profit sectors, including more than 2,000 members proudly working at Hydro One. Society members are professionals of many stripes, including engineers, scientists, lawyers and supervisors.

The Society of United Professionals is Local 160 of the International Federation of Professional and Technical Engineers . They are based in Washington, D.C. with 80,000 members across North America. Additionally, United Professionals is affiliated to the Canadian Labour Congress, the Ontario Federation of Labour and many local labour councils.

Forward-Looking Statements and Information:

This press release and the application and investment plan to which it refers may contain "forward-looking information" within the meaning of applicable securities laws. Words such as "expect", "anticipate", "intend", "attempt", "may", "plan", "will", "can", "believe", "seek", "estimate", and variations of such words and similar expressions are intended to identify such forward-looking information. These statements are not guarantees of future performance or actions and involve assumptions and risks and uncertainties that are difficult to predict. Therefore, genuine outcomes and results may differ materially from what is expressed, implied or forecasted in such forward-looking information. Some of the factors that could cause genuine results or outcomes to differ materially from the results expressed, implied or forecasted by such forward-looking information, including some of the assumptions used in making such statements, are discussed more fully in Hydro One's filings with the securities regulatory authorities in Canada, which are available on SEDAR+ at www.sedarplus.com. Hydro One does not intend, and it disclaims any obligation, to update any forward-looking information, except as required by law.

Cision

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SOURCE Hydro One Limited

Cision

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