Do You Need Public Liability Insurance?

Do I Need Public Liability Insurance?

If you are Self Employed, or own a Business you must have Public Liability Insurance in case of an accident. A member of the public, a contractor, Client or member of staff (if you are an employer) can claim compensation against you. As a tradesman or any worker on site – you have a Duty Of Care to those around you to work safely and with professional integrity – but accidents do happen, there will always be unexpected professional oversights. You must protect your livelihood in case someone claims against you – otherwise you could lose everything.

‘Where there’s blame, there’s a claim’ is our culture these day’s, and accidents will always happen in the work place and on site despite best intentions and anyone who gets injured, or property becomes damaged as a result of you or your business could be eligible to claim against you.

The most common types of claims fall into a small number of categories:

• Slips, trips and falls-these make up the majority of claims, and are the hardest to prevent.

• Stress and anxiety, due to hold ups, for example Electrical malfunction, or delayed finishes to building projects affecting the next tier of tradesmen beginning – example: the plasterers run over the finish date which in turn hold up the decorators.

• Falling objects, i.e. striking against or struck by

Do I Need Professional Indemnity Insurance?

If your business offers advice you may also need ‘Professional Indemnity Insurance’, which covers you in the event you give incorrect advice and a business or client were to suffer financial losses as a result. This is also valuable for trades such as Financial Planning, Business Consultants and IT Consultants. This is not instead of Public Liability Insurance, some trades will need both.

Do I Need Employers Liability Insurance?

If you employ any staff, you must have Employers Liability Insurance; this is direct protection for your staff against any accidents or illness which is caused by your or your business.

Imagine if your administrator were to suffer symptoms of RSI while in your employment, or a gardeners apprentice was to suffer injuries as a result of having a go with a hedge trimmer while you were busy elsewhere? These are very real risks, and you are required by law to have this in place, for protection of those in your employment.

Example: Plumbers business – a customer moves some pipes that were left propped up against the wall in a bid to prevent them falling, in doing so they accidentally cause the apprentice to trip and fall, breaking his wrist. This requires 6 weeks off work on statutory sick pay while the injury recovers. The apprentice can now launch a claim against his employer for compensation, and loss of earnings, as the injury was caused by the client in the workplace.

Call Tradesman Shield on Freephone 0800 612 2007 for a free quote or visit: for an online quote now!

Free advice about Public Liability Insurance, Professional Liability Insurance and Employers Liability Insurance from FCA approved advisors. Premiums starting at £40 per year!

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Writing Instruments Are Not a Simple Choice Anymore, More Is Better!

Over the years I have lost, had stolen, or had pens that did not perform as I expected; mostly expensive pens. A few months ago I made it a personal mission to find a pen or pens that I like; because they look nice when I use them, and how they felt in my fingers, and how the ink was dispensed (thickness, color and consistency). Today, pens are a combination of ergonomics, chemical and mechanical engineering. Even in the everyday pedestrian pen category (PaperMate, Uni-ball, or Zebra) there is one for every writing occasion and style; the quill is long gone. Just take a look at the signing of the Declaration of Independence and there are great examples of putting a written image on paper.

I have always been interested in writing instruments since grade school, when penmanship was a big deal. The first pen we used in grade school was a fountain pen with a glass bottle of ink with a reservoir molded into the ink bottle. I found fountain pens to be interesting, but cheap pens made the experience time consuming and often messy. Then came the ubiquitous Bic “Banana” stick pen and I found writing with ballpoint pens great because the ballpoint pen ink would not bleed on my “Big Chief” tablet paper. But, fountain pens remain appealing for signatures on documents.

The heart of any writing instrument seems to be:

  • Delivery system; how the ink is delivered to the paper surface.
  • Type of ink that fits the mechanics of the pen; the color of ink, gel vs. traditional ink, liquid, etc.
  • Type of paper that is compatible with the pen.
  • Purpose of writing; is it note taking, precise characters, document signing, etc. Just remember, there are a lot of pens because there are a lot of writing tasks.
  • Personal preference relative to thickness of the ink on paper, no ink blotches, no drag on paper.

But, the inherent task of any pen is simply to put an image, in ink, onto a paper surface. Contrary to fears of many decades ago, Microsoft Word has not made writing obsolete.

Aside from the ultimate purpose of a pen, we cannot overlook the fact that pens are also a style statement, status/prestige statement, personal comfort, preferences relative to the mechanics (click, twist, and cap mechanics), and for some, collectables. The former notwithstanding, there will always be occasions in which pens are a prestige, jewelry, or design statement and will have no bearing on the quality of the ink on paper.

Any pen a person chooses is really a conglomeration of subjective judgments-visual of the ink delivery system, color of the ink, feel of the point/nib on paper, and the physical feel of the device in your hand looking down on it and some aspects how your writing may appear to others looking at your work.

But there are other issues in selecting pens (inexpensive or expensive): weight, length, color, diameter, metal vs. plastic, trim options such as metal clip/metal tip and rubberized grip; the list goes on ad infinitum. In addition to style and prestige, pens aren’t just for work and home they are also used for awards, souvenirs, commemoration, and advertising. The price of the writing instrument is not necessarily an indication of the quality either, relative to how it places ink on a piece of paper. There are beautiful pens that have lousy ink refills, tips/nibs and reservoirs to hold the ink; they look good from an industrial design standpoint but are not fun or easy to write with.

Another issue when selecting a pen is to recognize the differences in quality of writing surfaces. For example, a fountain pen is not good on fibrous papers. With hundreds of paper options, the formula of the ink and delivery system become even more complicated. However, today most people write on journal paper or copier paper; great for ballpoints and the newer emulsion inks.

Let’s not forget the royal fountain pen; been around almost since time began. The utility aspects of this pen are not the same as the rolling ball tip pen (not to be confused with the “roller ball”), but it is a fun option. There are hundreds of nib styles of fountain pens, which deliver different feels and image styles to paper. And, don’t forget that the fountain pen offers hundreds of colors of inks in a bottle. As old as the fountain pen may be, millions of people prefer the fountain pen which is obvious by the number of fountain pen manufacturers and colors offered to these aficionados.

There are premium priced writing instruments such as Monte Blanc, Waterman, Pelikan, and Lamy, just to name a few, that come in rollerball, ballpoint and fountain pen formats. If style is a primary determent in a premium instrument selection, then there is a prestige statement and/or a personal design statement driving pen selection first.

I own Monte Blanc (fountain, rollerball and ballpoint), Waterman (fountain), Cross (fountain and ballpoint), and Namiki (retractable nib fountain pen). All have smooth nibs that do not drag on most paper, but ultimately I use them as a fashion statement. The ballpoint formats of these brands are not any more impressive than the #301 from Zebra or PaperMate.

To add perspective, we know fountain pens have been around since man discovered they could write with colored water and feathers. We know that ball points have been around since 1888. The real interesting thing is that the new innovation in balled pen systems is the inks!

Like wines, I am finding I have multiple moods for various pens on my desk. Some deliver colored inks, some are bold and broad, in some the pen itself is a rubber grip and some are all metal with a heavy feel; I now write with a pens that fits my mood and occasion. They are inexpensive enough that we should have many different pens-a different pen for all occasions, papers, and inks.

Idea Finder reports that the first commercial ballpoint pen was sold in New York in 1945 at Gimbels Department store for $12.50. With better inks of the time and an inventive spirit, Marcel Bich, a Frenchman, developed the inexpensive Bic pen in 1952 which sold for $0.19. Not just WWII pilots, but the common man had access to a rollered point writing instrument for everyday use.

JetPens has added some information as a guide to types of pens to consider. The main types of pens currently in use are ballpoint, gel, roller ball, and fountain pens. Each of these pens uses a different kind of ink, distinguished both by their material composition and their viscosity.

As stated earlier, Fountain pens are the oldest of these writing instruments. They rely solely on capillary action to draw ink from their self-contained ink reservoir. This requires a thin, water-based ink that will flow well and not damage the delicate internal structure of the pen if allowed to dry.

Now to recap the hollered tip technology. When the technology for a rolling ball tip was first developed, these “ballpoint” pens needed a very thick, oil-based ink to keep them from leaking.

Roller ball pens were later developed, and they were able to use a rolling ball tip with water-based ink similar to that used by fountain pens. In all roller pen devices that ball on the tip is actually a special metal that as crevices that capture ink as it moves around in the socket holding the tiny ball.

Gel pens are technically a subset of roller ball pens, since they also use water-based ink, but they use a much thicker ink that gives them a much different feel and performance from traditional roller ball pens (not to be confused with ballpoint), so they are almost always treated as a separate category.

Then you have the newest of the bunch: hybrid or “emulsion” ink pens. If you imagine that gel pens were invented as a way to make roller ball pens write more like a ballpoint, emulsion ink pens were invented to make ballpoint pens write more like a gel pen. They still use oil-based ink, making them a subset of ballpoint pens, but their ink is thinner, making it more consistent and less likely to clog or “glob” than a conventional ballpoint pen.

Pros and Cons:

Ballpoints are the most common, the most waterproof, and they can write on the widest range of surfaces (gel and roller ball pens aren’t good at writing on coated or glossy papers or on non-paper surfaces like skin). They also generally have the fewest color options and are the least pleasant to write with.

On the other hand, fountain pens have the smoothest writing and the widest color range of inks, but these inks are generally not waterproof and, having the “wettest” ink, are the most likely to bleed through lower-quality papers.

The other pens in between these two, with hybrid/emulsion pens being most similar to ballpoints, roller ball pens most similar to fountain pens, and gel pens about in the middle.

If you’re interested in pens there are some blogs that give a lot of information about inks and attributes of pen designs: The Pen Addict, The Clicky Post, Gourmet Pens, and Ed Jelley. For info on fountain pens specifically, The Fountain Pen Network is a good source.

Like most things in life, the devil is in the details, pens are no different.

Suggestions: Plan on buying a number of pens, don’t always consider the most expensive as being the best, try them out in your hand, keep a favorite for special occasion (signing documents, birthday cards, thank you notes), and keep a ball point, emulsion and fountain pen on hand in different color inks.

Thanks to JetPens for their input and research information. By the way, Jet Pens did not donate any pens for this article or pay for any mention. They are a good source for an extremely wide range of writing instruments.

Steven S. Lay has been in the travel and corporate meetings business for 30 years and is now focused exclusively on small luxury corporate gatherings in Wine Country. More information about his company, Symtrek Partners, is available at:

Symtrek Partners is a resource to any company contemplating a highly effective meeting, event or function for a small corporate group. Symtrek Partners is very interested in discussing ideas and options. To initiate a contact e-mail: or call 707-927-4205

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Why Women Are Forbidden to Be Catholic Priests

The Catholic Church cannot appoint women as priests because of the belief that the latter are married to Mary, the Mother God of Babylon. After my reincarnation and with a link to the Spirit of the Universe, the only God, the experience proved that heaven and hell are myths born of sun-worship. The name ‘Mary’ means ‘mother’s powerful eye’ and the Church conceals its origin in the Zoroaster (morning star) religion of Babylon to survive.

While it is a fact that not many are interested in the origin of religion they should be. While it is the main building block for the World Order and the supplier of laws and other things on which our society runs it is also in a state of collapse. That means that everything will come down with it.

The Mother God Mary of Babylon was the stylised image of the sun-star that formed when the dawn’s rays penetrated a perforated stone held against it. The resultant rings of coloured lights were so attractive that men likened it to a woman that they could ‘marry’ and become Father gods.

Priests are derived from this belief which is why they are addressed as ‘father’. It is also why the church is adorned in crimson and scarlet colours that resemble the bloody appearance of the man on the cross. In ancient times the skin was stripped from his body before he was crucified and it was worn by the High Priest who read his death throes as messages from the Mother God.

The city was occupied by the Amor who later built Roma (reverse Amor) and the Emperor Constantine established the Catholic Church based on the same principles. It was born of an Islamic base and Babylon is the home of Islam. It is these roots that are hidden by the deception, lies, myths, and magic that represent its practices.

Norma Holt has memory of her reincarnation and knows that reincarnation is fact and that everyone who has lived is back. They are turning to the Mountain of God which is the Internet for answers.

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Why Do Some People Lose The Ability To Think Clearly When They’re Part Of A Movement?

In today’s world, it is not going to be hard for someone to find a movement to join, and this is down to the fact that there are so many. Now, this is not to say they didn’t exist in the past; what it comes down to is that the internet has made it easier to find out about them.

Two Ways

If one was to use social media, they could end up finding out about a number of movements. This could be the result of what one of their friends has shared, or it could be due to what is trending.

Through coming across something here, they could soon feel compelled to get involved with what they see. Alternatively, one could go onto a search engine, and look for something that interests them.

Another Way

Yet, if one was at work or if they were a student, they could end up hearing other people talk about what they are involved with. In fact, they could even ask one if they would like to get involved.

Therefore, even if one didn’t hear about something online, it is not necessarily going to leave them out in the cold, so to speak. In addition to this, there are the more traditional ways of hearing about things.

The News

If one was to watch the news, read the paper or to listen to the radio, they could hear about a movement. For example, if a protest had just taken place somewhere, it could end up being covered by the media.

Upon hearing about this, it could end up going in one ear and out of the other, or they could feel the urge to know more. If this is the case, they can just go online and take a deeper look.

Something for Everyone

If they want to join a movement that is taking place in their country, they can, but if they want to join an even bigger one, this will also be an option. When it comes to what they are drawn to, it could be something that is affecting them directly, or it could relate to something that they believe needs to change.

When it comes to something that is directly having an impact on them, they might not want to wait around. This could then be something that has been having a negative effect on their life for as long as they can remember.

Another Experience

On the other hand, if it related to something that they believe needs to change, they may have only just become aware of it. Perhaps one of their friends pointed it out to them, or they might have heard about it whilst they were at university, for instance.

But regardless of this, they are going to be drawn to a movement, and the sooner they can do something about what is taking place, the better it will be for them. And, while this could become another part of their life, it could end up becoming their whole life.

A New Identity

How one sees themselves can be defined by the movement they have joined, and this will then influence how they perceive the world. One way of looking at this will be to say that it will be as if they have put on special glasses, and these will influence what they do or don’t see.

And, what this can do is make it easier for them to notice things that are not right, and this can then increase their sense of injustice. It can then be clear to them that the world is not right, and that they are doing the right thing.


However, what this can cause them to overlook is the fact that they are not simply observing reality. What they expect to experience is going to play a big role in what they actually experience.

This is not to say that one is standing up for something that doesn’t exist and that the world is perfect; what it shows is that the mind will find what is has been programmed to find. Thus, through focusing on a problem, it will be normal for one to have more experiences that validate what they believe.

Out of Balance

If one is not aware of this, they can come to believe that their experiences prove how bad something is. Yet, what it can show is that they are simply blocking out anything that goes against what they believe.

It is then not that one is being exposed to how bad something is; it is that this is what they are choosing to see. One is then not going to be interested in getting a balanced perspective of what is taking place; they just want to be right.

Playing Their Part

When it comes to making a difference, they won’t need to be around others or to join a demonstration; they can simply share things on social media. They could start their own blog, make videos, and they could even start a petition.

If they want to connect to other people who are also part of the same movement, they can go onto a forum or message them online. And while this will allow then to make new friends, they could also lose some of their old friends.


One of their old friends may have found that they are no longer the same as they were before, and they might wonder what has happened to them. In their eyes, they could believe that one is no longer in touch with reality, and they might even see them as suffering from paranoid delusions.

Through being so caught up in a movement, it is no longer going to be possible for them to think clearly. As to why they can’t think clearly, there will be at least two things that will need to be considered: the effect the movement is having on them, and what their mental and emotional health was like before they got involved.

A Closer Look

When one is part of a movement, it can cause them to feel: connected, empowered, and as though they belong. This can then pump them up and, when they believe they are standing up for the right thing, they can experience a sense of being morally superior.

Through being in this state, their mind is going to be closed to anything that goes against what they believe, and they will be high on emotions. If they had mental and emotional challenges to begin with, this can also make it harder for them to think clearly.


It could be said that the ideal it will be for someone to look into why they want to join a movement before they actually join one. This will give them the opportunity to see how their inner world is effecting how they experience the outer world.

As if they simply ignore what is taking place within them and end up trying to change what is taking place externally, they could end up doing more harm than good. They may have had the intention to have a positive effect on the world, but they will simply be adding their own mess to a world that is already incredibly messy.

Prolific writer, author, and coach, Oliver JR Cooper, hails from England. His insightful commentary and analysis covers all aspects of human transformation, including love, partnership, self-love, and inner awareness. With over one thousand two hundred in-depth articles highlighting human psychology and behaviour, Oliver offers hope along with his sound advice. His current projects include ‘A Dialogue With The Heart’ and ‘Communication Made Easy’.

To find out more go to –

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Whose Reality Is This?

There are hundreds of reality television shows on today and it seems like everyone is tuning in to watch. Ordinary people, just like you and me, are elevated to celebrity status. The secret thrill of thinking next time, this could be me. We could be lucky enough to receive the next makeover, be the next celebrity, or instantly become a millionaire.

Many of us are inexplicably drawn to these shows. Have you ever considered the reason we might be attracted to watching reality TV? Or examined the type of reality television we watch on a weekly basis?

Why Do We Watch Reality Television?

It may be illuminating to look at what kinds of reality TV shows we’re drawn to.

A few reasons we watch the different types of reality television could include:

· To Educate

Many shows depict weight loss methods like The Biggest Loser, or cooking demonstrations and competitions like Master Chef. Although at times the information presented can be unhealthy and promote unrealistic expectations, causing us to become disheartened when we can’t replicate the results.

· To Entertain

Reality television can provide a voice to the normal, everyday person. Someone we might be able to relate to or easily identify with. We are provided with the opportunity to cheer for the Average Joe on shows like Here Comes Honey Boo Boo or Duck Dynasty. Although the voice of the “normal” everyday person portrayed on reality television don’t always represent ordinary well.

· To Inspire

Shows like Extreme Home Makeover or Three Wishes can provide a vehicle to fantasize about something we might want for ourselves. We can dream that all of our problems could be eliminated in one televised hour.

· To Escape

Tuning out everyday life and immersing ourselves in the life of a celebrity, or a spirited competition like Survivor, or The Apprentice can provide an escape from focusing on issues in our own lives. A little escape might be beneficial for stress relief, but too much could prevent us from facing our own issues and feelings.

How Much is too Much?

If we notice we are watching a variety of reality shows on an ongoing basis, that these shows make up a significant proportion of the types of shows found appealing, then we may want to consider some self reflection around this activity.

Watching a few shows doesn’t mean you have a problem. “Being hardworking and self-disciplined in my own live, I enjoy the escape into fantasy and melodrama at the end of the day as well as the rags to riches stories, over the top diva antics, glamorous lifestyles and mean girls (and boys) shenanigans.”~ Melanie Greenberg, Ph.D, Clinical Psychologist, Author, Speaker

There is a difference between a person who watches one or two shows occasionally and just enjoys the show for entertainment, versus someone who really is drawn to, or attracted to-some people go as far to claim they are addicted to-reality TV.

My wish for you today is that you may find enough joy and happiness in your own reality everyday that you never need an escape.

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Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.