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There are a lot of things to see and do while in Michigan!  Now explore out the new and exciting Michigan attractions when you travel in our great state!

Whatever you enjoy – urban centers, mountains, forests, or oceans, the State of Michigan provides incredible variety of tourism attractions and events.  Everyone can discover the perfect chance to slow down and escape from the hectic schedule of life.

Tour Idea #1:  Visit Father Marquette National Memorial which is on a rise overlooking the Straits of Mackinac.  It tells the story of the 17th century missionary-explorer, Father Jacques Marquette.  It also tells of the meeting of French and Native American cultures in the interior of North America.

As well as the traditional Michigan tourist attractions, there will be a variety of other fun things to experience and do.  Do you reminisce about fishing when you were young?  You can camp and have an outdoor fun vacation.  Located within just a short distance, you can experience a variety of nature and natural beauty.

Discover the natural beauty of the state and enjoy the outdoors.  Whether it is riding the historical trails or swimming or camping, there are experiences for every member. These are simply a few of the things you will discover, for more ideas, watch this Michigan attractions video.

Tour Idea #2:  Hartwick Pines State Park – Grayling, Michigan. Spend some time at the largest state park in Michigan’s northern Lower Peninsula.  Here you will be able to see the largest stand of virgin white pines remaining in the Lower Peninsula.

Balancing the entertaining attractions with the more historical attractions will organize a memorable family vacation escape.  To create the most of your family vacation getaway, you may desire to consider one of the various vacation packages or tours.  Many vacation packages bundle transporation, lodging, and car rentals  or include a educational tour.

Some packages include activity or museum tickets, so you can choose packages appropriate for everyone.  If you are interested in antiques and education, there are many cultural and heritage attractions, along with museums of all types of specialties.

Everyone can save money by visiting online travel guides. Most guides will describe the various attractions.  Quality guides will share more detail than simply a short snippet or sentence. Take your adventure and explore everything about your Michigan vacation getaway .  Enjoy your vacation getaway and experience the opportunity to create family memories that will last a lifetime.

An Introduction to Home Working

Ask anyone to describe their ideal job and working from home would come high on their wish list. Whether home working is an option provided by your employer or a decision you have taken yourself in starting your own business, the thought of just getting out of bed, walk over to a workstation and just start work is very appealing. No commuting to and from the office and working hours to suit yourself.

But is home or flexible working right for you as an individual, or good for your business as an employer? Well there are many advantages and disadvantages. Home or flexible working brings new responsibilities for both the employer and employee. Equally with advances in mobile technology it has never been easier to set up your own business to work from home.

An Increasing Trend

From a business point of view, allowing staff to work at home on either a full or part-time basis can bring a range of business benefits, from increased productivity, greater staff motivation to effective use of your premises. Advancements in mobile technology contributes enormously to the increase in opportunities for working at home.

The spread of home working using the internet or telephone opens up a new range of possibilities with regards to the way a business works and structures itself. Computers, mobile phones, broadband and mobile broadband all play a role. For the individual, becoming self employed and working from home has also never been easier. If you have a laptop and mobile phone the opportunity is there, it’s just deciding what you want to do. So home working is becoming a way of life for many individuals and businesses, but what is home working?

Some employers will offer selected employees the opportunity to become a teleworker, whereby an employee can undertake their role from home utilising various types of technology, which is installed at the employees home by the employer. The employee will remain in touch with the business and other teleworkers. Some businesses, for example the utility companies who require gas, electric and meter readers, will class employees undertaking this type of work as teleworkers or outworkers.

Some individuals opt for the self-employed work life. The self-employed will operate their business from home, offering a product or service such as web development or business consultancy from home. In these types of roles, the individual can often plan their day to suit their own needs. I know one web developer who often works well into the early hours of the morning as this is when he feels most productive.

Others such as a painter and decorator, plumber or gardener, whilst providing their services away from the home, use home as the office for paperwork such as pricing future jobs and preparing invoices. I know of several painters and decorators who work Monday to Thursday, but use Friday’s to go out and price up future potential work. That is one thing to bear in mind when setting up as self employed, you need to allow time to find or prospect for future work.

Some types of work are more suitable for flexible working than others, the following list is not exhaustive, but will give some guidance:

• Telesales and Marketing
• Customer Services
• Professional services & consultancy i.e. HR Administration & Accountancy
• Certain types of administration work
• Data input
• Creative/Graphics
• Writing, editing, translation and research.
• I.T. Support & Programming

Many of the above have a common theme and that is that as long as you have access to a computer and a phone, you can undertake almost all of these tasks from home.

The shift towards home working does not mean employees only work from home. Splitting time between the workplace and home is the most productive solution, as you want employees to attend meetings, therefore keeping them informed and involved. Continued face to face interaction within the business remains a key requirement.

With the introduction of home working regulations, employers now have to seriously consider employee requests to work flexibly from home, especially if they have parental responsibility for children under 16 years old, disabled children or they are carers for other adults with disabilities.

Employers and individuals also need to consider what equipment will be required to ensure that an efficient business operation and working environment is set up.

A wide variety of computer desks are available to meet the needs of any home working environment

The Pros and Cons

So what are the advantages and disadvantages of an employer allowing employees to work from home or use their home as a base for at least part of the working week? It’s clear there are a number of benefits to the employer:

• Staff Retention is increased
• Wider pool of applicants to recruit from e.g. disabled people who prefer to work from home.
• Productivity gains through having fewer interruptions and less commuting time.
• Reduced stress and sickness increasing staff motivation.
• Savings on office space and facilities.
• Sales staff closer to clients, rather than being based at the office which could be miles away.
• As with life if there are advantages then there are also disadvantages to home/flexible working:
• Management of staff and monitoring performance
• Possible deterioration of key skills and quality of work.
• Capital costs – training and providing suitable equipment, this could include adaptations to meet Health & Safety standards or meet the needs of disabled workers.
• Difficulties maintaining staff development and upgrading of skills.
• Information security risks
• Increased telecommunication and I.T. costs
• Sense of isolation and communication problems amongst home workers.
• Staff morale and difficulties in maintaining team spirit.
• Home working may not be suitable for certain types of jobs.

One thing I particularly miss is the Monday morning office banter about what you did at the weekend of how your football team has fared compared to others. Often the camaraderie that is unique to an office where you get to know people well over many years is also lost where home working becomes an option.

Are You Suited o Working at Home?

Having identified the types of work that is suitable for flexible working, the employer must satisfy themselves that employees are suited to this type of work. It’s likely they will need a number of skills in key areas to allow them to work away from base.

• Time management and self discipline
• Motivation
• Communication
• Technology

We must make it clear that flexible working is not suitable for everyone and care should be taken, because allowing one person to work from home will set a precedent that others will want to follow. Others will see an attraction to working at home particularly on a lovely summer’s day, rather than being stuck in an office. I must confess that as I write this article, I am sitting in our summer house at the bottom of the garden with the laptop on a glorious summer’s day in June.

An employer you must have a clear idea of how home/flexible working could fit in with the needs of the business. A set of house rules need to be established and maintained, i.e. priority is given to requests from parents of young or disabled children. My wife for example, plans her day around the hours of taking the children to school and collecting them later. She maintains that she is extremely focused on what she needs to achieve within those six hours in between. No distractions or idle chit-chat that will occur in an office environment.

In some cases the employer is legally obliged to seriously consider requests for home/flexible workers. Employee with parental responsibility for children aged 16 or under, or disabled children who are under 18 and receive disability living allowances can request a range of flexible working patterns from their employers, this includes the right to work from home. There are similar rights for employees who are carers of adults.

The introduction of home working can also lead to an overhaul to employment contract terms and conditions. In a majority of cases an employee’s place of work is listed in the written schedules of their employment contract. It’s important that when an employee starts to work from home it may be necessary to review and amend their employment contract.

The following is a list of contractual aspects an employer should consider when implementing a home/flexible work policy:

• Stated hours of work
• Identify core times when employees undertake to work and/or are contactable.
• Extra duties or responsibilities that may need to be assigned in addition to those already agreed
• Identify the terms regarding the supply and insurance of any equipment that may be required, these should clearly state ownership and use, especially that its not to be used for personal use.
• Clearly identify what the employer will reimburse to cover additional expenses the employee may incur, its especially important to identify the calculation method when costs are shared i.e. utility bills and telecommunications
• Procedures to be put in place if either the employee or employer wishes to terminate the home/flexible working arrangement.

Allowing flexible working the employer should remember that they still have health and safety responsibilities for people who work at or from home; and you are likely to have to provide and maintain equipment for employees to use, these include:

• Workstation complete with suitable task chair
• Filing cabinet, shelves or storage
• PC/Laptop with office software, email and broadband internet connection
• Dedicated business telephone line
• Printer & fax machine
• Stationery and Office Supplies

If you suffer from back pain at your desk, take a look at the ergonomic office chair which could be the answer to solving your discomfort.

IT equipment and software can be expensive so it’s important to ensure it meets your genuine business need and is compatible with your existing systems. Technology changes almost daily and with today’s advances the establishment of virtual teams where employees work together despite working at home can be set up easily and at reasonable expense. These teams could be two employees talking over the phone or you could use more hi-tech solutions like high speed internet, instant messaging, webinar and video conferencing.

Providing all this kit and equipment it is important to ensure your business insurance cover is extended to cover home workers, as their home insurance is unlikely to cover this, however they should check with their insurer and extend their policy to cover working from home.It is also a good idea to find out who would be responsible for a claim should you have an accident at home, during working hours.

Workers who undertake home working should check with their local council and mortgage company the position regarding using their home as a work base, and whether they may have to pay business rates for the portion of their home they use as an office. Some self employed businesses will involve use of a vehicle which will need to be parked up at certain times of the day. For example painters and decorators and builders are likely to utilise a transit van or pick up truck in the work. You should therefore ensure that neighbours will not be offended by having the vehicle parked in the street or to block light out of their homes. If you are to park a vehicle at home, let the neighbours know, it may save a lot of hassle later.

The employer needs to ensure that employees take care of business equipment and information in their possession, it’s important to establish procedures to be followed if any item is damaged or lost, especially data and intellectual rights.

We all agree that flexible working offers a wide range of benefits to both the business and employees, but it needs to be carefully managed to be successful. Procedures should be put in place for managers to monitor and assess home workers, this is the most significant managerial challenge an employer will face. It can be helpful to measure their effectiveness in terms of output rather than the hours of work. Agree set goals and deadlines for particular projects, and ensure these are being met, give feedback promptly and sensitively if things go wrong.

Ensuring home workers have access to training can prepare and help employees develop the necessary skills they need.For staff who work alone a sense of isolation is one of the main factors most likely to make home working fail, therefore it’s important to ensure procedures are put into place to make people feel part of the team, these should include:

• Frequent two-way feedback sessions about work and work related issues
• Regular visits to the workplace
• Inclusion in social activities for home based workers.
• Clear procedures that can be followed and contact lists for when things go wrong.

When the employees job is home-based from the start, make sure their initiation is undertaken at your premises, this helps the home worker focus and be productive if they have a chance to establish a clear idea of the people they will be working for.

Even for the small office in the workplace or at home office fit out contractors will advise on efficient use of lighting, space and the correct furniture.

A Brief Health & Safety Obligations Check List for Home Workers

If you use your home as your main business workplace, you must carry out a health and safety risk assessment to identify any possible hazards to yourself, workers, visitors and other members of your household.

Possible hazards include:

• Using work equipment at home, including electrical appliances
• Your workstation set-up
• Handling loads
• Hazardous substances and materials
• Psychological hazards, such as stress or loneliness
• Fire
• Slips, trips and falls
• Excessive noise or vibration

Slips, trips and falls are one of the most common causes of injury in the work place. Even something we take for granted on a daily basis, such as walking up and down the stairs, should be regarded as a hazard. Evaluate whether a hazard is significant and if it is, whether you have taken enough precautions to make the risk as low as you reasonably can.

You need to consider:

• Your home and those who live there – including vulnerable persons, e.g. children, the elderly, and new and expectant mothers
• The work done in your home
• The equipment in your home
• Emergency procedures
• First aid provision

Five steps to a health and safety risk assessment

1. Identify any hazards.
2. Decide who might be harmed and how.
3. Assess the risks and remove them or, otherwise, reduce them as far as is reasonably possible.
4. Record your findings.
5. Check the risks regularly and take further steps if needed.

Conclusion

With advancements in mobile technology, working at home has become far easier to do. It can offer a very balanced way of life and the rewards can be significant. In the current economic climate, many who have been unfortunate to suffer redundancy or reduced hours are considering setting up their own business to work at home. Having worked in the corporate world for over twenty years and just suffered redundancy, it is certainly something to consider.

But working at home needs to be considered carefully. Is it right for you? Is it right for your employer? What impact will it have on my homelife? Many advantages, but also many disadvantages and bear in mind the health and safety requirements and risks. Your health is important so choosing the correct office furniture to meet your needs is a must for any home worker to ensure you have the proper facilities for home working.

For years a friend of mine worked from home with his desk in his living room and eventually he realised that he could never get away from work, which is as important as doing the work in the first place because we all need time away from work.

If you are lucky enough to really love your work the temptation can be to do it all day long. Eventually this can lead to burn out and can also take away some of the pleasure of working, even if it is something you really love. Therefore it is important to have balance in your life, even more so when you work from home. Some suggestions to help to achieve this are to make sure that when you have lunch, for example, remove yourself from the work space and don’t eat at your desk, get some separation from the work when you are not doing it.

Remember that just because you work from home it doesn’t mean that work has to take over your life.

TAHITIAN NONI® Juice is the world most popular noni product. Common miss-spellings of its names are just noni, tahitan noni, tahitan noni juice or even just tahitian.

Because the juice is made from fruit grown on Society Islands in French Polynesia the many international visitors that have spent time on its amazing beaches are not sure of the spelling. It’s a good thing that the search engines have figured out a way to read these people’s minds and offer the correct spelling: TAHITIAN NONI® Juice.

It is kind of amazing that most people can describe the fruit quite accurately, and could easily point out the bushes and trees as they walk around the islands but have no idea what it is used for. That is probably the case with many things we see every day on our vacations.

Tahitian Noni International’s discovery of a simple food processing process that converts the raw fruit to puree and then blends it with blueberry and grape juice to eliminate the extremely strong taste made it a commercial success worldwide. Previously you have been wise to heed the admonition of your island hotel porter to not eat the raw fruit. But with the mild tasting TAHITIAN NONI® Juice he could not just as easily bring you a glass with your next room service order.

One of the four main benefits of this juice described on our web site is that with its combination of antioxidant-rich fruit juices, TAHITIAN NONI Juice is one of the world’s great super-antioxidants.

As indicated at the bottom of all our web pages, these statements have not been evaluated by the Food and Drug Administration and these products are not intended to diagnose, treat, cure, or prevent any disease. Please visit our website for details.

There is a especially good provider of intermateable printer cartridges. In my office I have been using for seveal years the printer cartridges and printer accessories of Druckerzubehoer and I am very astonished about this great provider.

For everybody who wants to buy intermateable ink cartridges and printer items, Druckerzubehoer is a very good address. This printer equipment shop has several million purchasers in Germany and offers in my opinion a brilliant price-performance ratio. Honestly, I can hardly understand how a dispatcher of printercartridges is able to offer their goods as favorably as they do. I have a Canon Pixma ink printer and save about 90% of the ink costs, because I can buy those printer equipment and compatible printer cartridges.

You can find a review about this German supplier of interoperable printer cartridges here: kompatible Tintenpatronen Lexmark. I am very satisfied with the quality of the ink. My printer has been working well for years with those cartridges. Moreover, you do not get dirty fingers when trying to refill cartridges by yourself. Buying your compatible ink cartridges from this provider gives you some nice benefits:

The price-performance ratio of Druckerzubehoer is unbeatable in my eyes. For many years I have been ordering the printer cartridges for my office supplies there and during this period have been saving a lot of money for expensive original cartridges. In addition to ink cartridges for all popular inkjet printers there can be found very cheap toner cartridges for laser printers too at this excellent suppliers online shop.

Druckerzubehoer upon request informs the customer regularly via e-mail about low offers and discounts for printer ink. Often I am amazed that the already very convenient rates temporarily are reduced once more. The online shop is very convenient. You can easily register as a client and place your toner cartridge orders. My experiences with Druckerzubehoer are very positive and I will continue being delivered with my ink cartridges from them.

I can even order small amounts of ink cartridges and get them quickly and at a favorable price. At these favorable prices there is no need to order many items at once. You better place orders just in time when you are in need of spare ink having in mind that the ink carries an expiration date. Additionally, I can order cleaning cartridges for the various chambers of my printer from this great vendor. In addition to ink cartridges for the printer you can also find very favorable articles such as photo paper.

Another recommendation of low-cost intermateable ink cartridges can be found here: kompatible Druckerpatronen Lexmark. Druckerzuboer has gained many test victories for their intermateable printer cartridges. The company is for instance 10 times winner in the German computer magazine “computerbild” 11/07. There is a huge range of toner cartridges for all popular printer brands – such as Epson, Canon, Brother, HP, Lexmark and many others. So everybody finds the right ink for their special printer model.

When looking all round town for the simplest method to ship a vast quantity of cash to another country for a house acquisition. I attempted the standard stuff – my actual bank, I also went to these money transfer programs like world transfer.

But by far the best route to take is to go with what’s is commonly names a foreign exchange merchant. They will also cover all the bureaucracy and get you the best value fx rates. These companies are highly customer friendly and are clued up their currencies.

One can discover many of companies that are generally referred to as FX companies – that is banks who are in the buying and procuring of foreign cash. This is additionally transacted at an excellent rate, merely a thin margin away from the interbank rate.

This isdue to the fact it is their primary market and they are not required to to put up with all the details and problems a high street bank EG HSBC does when making their currency exchange. A lot of individuals are not knowledgeable about them, though you can economize decent money by taking advantage of that kind of company.

One last point – I have a pal who applied for a payday loan, however the interest are extortionate! Purely get one in a one-off case.

Have your friends decided where you want to go on your summer vacation?  You are not alone, most families have not yet decided where they want to go.  It can be a quite time consuming process to find that ideal vacation escape, so check out the choices for your Alabama Tourism.  You will find lots of alternatives and it may not be a simple choice!

However, if you are thoughtful and take the time to do some planning, it will make your summer vacation fun and one of those “family memories” that you will cherish forever.  The most simple mistake people experience is first choosing a “destination.”  The ideal vacations begin when you first select “what you want to do”!  Do you want to go hiking, tanning on a beach, playing and relaxing at a park, or touring educational or heritage locations?  By choosing “what you want to do” to start with, you are off to the best start of selecting that perfect family vacation destination!

Once you know “what you want to do” – you can sort through the various tourism destination regions and discover those perfect attractions that you want to go see or do.  By spending a little time planning, you can also find those destinations that include a number of attractions that are of interest to both you and your whole family.

Online travel guides are useful that can help you choose comprehensive information about destinations that are more comprehensive than a vauge attraction name and address.   Once you know “what” you want to do and “where” you want to go, a real high quality online Alabama destination guide will provide you a substantial article detailing each attraction to assist you making an educated decision about what you want to do and where you want to go.

Here are three Alabama vacation locations that you might want to consider:

Idea #1: Birders heading to Alabama’s Gulf Shore won’t want to miss the Audubon Bird Sanctuary on Dauphin Island.  Whether you are spending time camping on Dauphin Island or just plan to visit this beautiful island on a weekend trip, the Audubon Bird Sanctuary is well worth a visit.

Idea #2: Alabama Shakespeare Festival – Montgomery, Alabama. If you are a fan of great Shakespeare then you really need to come to this festival.  It is the 6th largest Shakespeare festival in the world.  After beginning as a part-time with plays running for six weeks during the summer the Festival was moved from Anniston to Montgomery through the generous donation of Wynton Blount when he agreed to build them a new facility in Montgomery.  Now the ASF runs year-round productions with more than 400 performances scheduled each year.

Idea #3: U.S. Space & Rocket Center Delivers Out of this World Fun.  The U.S. Space & Rocket Center, located in Huntsville, Alabama, is one of the premier space museums in the world. The first NASA visitor center, the USSRC opened in 1970. Since that time more than 12 million visitors have taken the opportunity to learn more about space exploration. The largest collection of space memorabilia and rockets in the world is housed in the museum.

As you have discovered, you have a significant choice of alternatives available to your family when it is time to select that perfect family vacation getaway.  Take your chance to plan carefully what you want to do and where you want to go.  Select a quality travel guide to help you discover those perfect attractions in Alabama.  And you will know that you will experience a family vacation with a lifetime of memories.

People take vacations for all sorts of reasons. Some go on holiday for a bit of adventure. Others choose to explore the landscape of other surroundings.

Some like to be pampered, waited on hand and foot as they soak in the sun’s rays alongside a sparkling swimming pool. Whether your preferred vacation includes outdoor activities such as hiking, sailing, or exploration, there is an ideal Hawaii vacation package that is right for you.

When people hear the words “Hawaii vacation package”, they automatically assume that it’s way too expensive and mark it off their vacation possibilities list. That’s simply not true. You can customize your trip based on activities, islands, or budget, giving you a multitude of options for your next vacation.

For example, a speedy Internet search for Kauai vacations produces many wonderful packaged deals. If you plan early you can obtain discounted airfares and good bargains on hotels. Special offers for children are also available. It is common, for example, to let children under the age of 17 stay free in a room with an accompanying adult.

Learn as much as you can about the Big Island of Hawaii before your plan your Big Island vacation. It offers many opportunities. Know what you are looking for and you can get exactly what you want. You can hike, snorkel or go to museums. You can find almost any vacation choice on the Big Island. Have a great time!

The islands of Hawaii offer so much; the difference between the daylight activities and the nightlife are incredible, too. Oahu, for instance, offers anything from dinner performance shows to symphonies to nightclubs and sporting events. There’s something to please anyone’s tastes. Hawaii won’t fail to impress even the choosiest guest. With literally hundreds of daily activities, everyone in your vacation party will find more than enough things to do that will delight them.

Research by you or your travel agent is key to finding the best Hawaii vacation package that will meet all your needs. Do not make the mistake of letting the perfect Hawaii vacation pass you by. Hawaii is full of gorgeous beaches, beautiful scenery, and exciting adventures. Imagine vacationing in paradise and plan the ultimate Hawaii vacation.

I was running on the treadmill at my local gym when a new mother hopped onto the treadmill next to me. Much to my surprise she was holding her baby. I asked her why she was carrying that new baby on a treadmill.

She said she couldn’t bear to part with her little one, yet still wanted to get a workout in. After about ten minutes she was extremely tired and her baby was crying. Now what? Well within a few days I saw her again. This time she wasn’t at the gym. She was running outside the gym. She was jogging behind her nice, new jogging stroller. Mom was happier and her baby was happy too.

I have had several moms e-mail and ask “Is a jogging stroller right for me?” Well there are a few factors to consider.

First, if you prefer to run on the treadmill at the gym then you probably won’t need a jogging stroller. However, if you are like me and enjoy running outside and spending time with your baby then a jogging stroller is the best way to go.

When you choose to buy a jogging stroller don’t forget important safety features like a hand brake and wheel locks for easy stopping, safety belts and the five point harness. Your child’s safety should always come first. The five point harness is great for toddlers and small children.

Also consider your child’s comfort. You may want to look into a reclining seat and a canopy. It is also a good idea to wait until your child is holding his or her head up and sitting independently before using the jogging stroller. However, there are safety products you can buy if you would like to use your jogging stroller sooner.

When we’re running in cool or cold weather, we may be hot or comfortable in minimal clothing, but a child is not doing the exercise. Don’t forget to dress your little one in warm clothes, especially if you’re running or walking in the wind. Short runs are best with your child. Competing while pushing your running stroller is not recommended.

I prefer a jogging stroller versus a regular stroller because I enjoy being outside. I have found that my jogging stroller makes it a lot easier to push on non-paved roads and it moves at a faster pace.

We make promises throughout life; sometimes we focus on major promises, such as marriage counseling vows or in extraordinary situations where much is at stake. Other times, our promises are small; we may promise to perform some errand or to keep our word about providing an object to someone else.

The theme of breaking promises and the capacity for a host of emotional difficulties to arise for both parties in the wake of such circumstances has been examined by many fields over time, but the theme has recently received special attention from one researcher who has revealed some interesting information on how we behave in relation to our promises.

Manuela Vieth, who conducted her study with support from the NWO Division for the Social Sciences, focused her inquiry on the way in which we perceive people based on their actions and words in regards to making and keeping promises. Through a series of interactions between pairs of unacquainted people, her research tested the limits of trustworthiness with a basic rewards and punishments scheme usable by both parties, based on a simple income making model that allotted money to subjects depending on their choices.

The research suggested that we perceive people who make promises to be more trustworthy, and that this reaction is even stronger than the positive response to promises that are kept.

However, the research also indicated that people can be expected to seek revenge for promises that are broken. For mental health professionals, this research has strong implications in the building of trust and openness for therapist / client sessions, and can also shed light on the reactions of clients to their families and peers when promises are involved.

While giving your word can be a tempting action that does not demand too much immediate thought, carefully considering how we frame our promises and how other people may react can lead to more positive experiences.

No-claims discount: The key fact of your insurance policy is the no claims discount (NCD). Depending on your insurers, you may reduce the price by up to 57.5 percent or as little as 27 percent for a years driving with no claims made

For notching up four years of claim free driving you can get a no claims discount of 60 to 70 % If you are an older driver some insurers offer a higher maximum. If you file a claim your no claims discount may be reduced, by how much will be up to the insurance companies. In the best cases your no claims discount could be reduced by 3%. If you are under 50, this could belowered by up to 22percent. You may receivean even further cut if during a period of 3 to 5 years you need to claim again .

Protected noclaims discount: With certain insurers, after 4 years , you can protect your NCD. This will cost you somewhere in the region of 10 to 15 per cent of your premium. Having once protected your NCD , claiming once a year will have no effect on your premium. If you make 2 claims some insurers will not affect your NCD where others will reduce it to as little as 45 percent

Driving other cars: Some insurers allow the policyholder to drive other cars with thirdparty cover in emergency situations.

Named drivers: Named drivers are added to a family members or partner’s policy. They can drive that person’s car but cannot drive other cars with insurance cover. There are some insurance companies who allow named drivers to accumulate their own no claims discount.

Choice of repairer: Be careful to use the insurance companies choice of approved repairers, because if you don’t they will not pay for the repairs.

Courtesy car: Many of the insurers will provide courtesy cars, providing you have used their approved repairer.It is very helpful if your car is off the road for quite a while.On the other hand some insurance companies will only give you a courtesy car if you have been involved in an accident, not if the car was stolen. If you car was stolen other insurers can charge an added premium for providing a courtesy car.

Personal belongings: If your personal belongings are stolen, very few insurers will replace them with new. Most of them factor the age and state of each item before they make a decision on how much to pay.The majority of insurers factor the age and condition of the items, before deciding how much to pay out.

Medical expenses and legal protection: There are some insurance companies who will cover dental work or physiotherapy should this be needed as the result of an accident. The legal expenses incurred as a result of a car insurance claim are covered be motor legal protection.

In car audio equipment: Most of the insurers will restrict the amount of cover for equipment not supplied and fitted by the manufacturer. This may be as low as £100 but this can vary between insurance companies.

Sat navs: Always make sure wether your sat nav is covered. Even if it is covered it may not be worth claiming.Even though it is covered it may not be worth claiming. For your first claim your policy excess may be 100 pounds but a cheap sat nav costs around this. When you make a claim you lose your no claims bonus and this in the long run will turn out to be more expensive.It could well be cheaper to purchase a new sat nav rather than losing your no claims bonus.

Age limits: With insurance policies there is often a lower and upper age limit. The upper limit has a tendancy to be lower if taking out a brand new insurance policy.

Brokers Online aims to provide its clients with a huge resource of financial information including helpful articles and Frequestly Asked Questions. If you cannot find the answer to your question feel free to post a question on our weblog.

This article has been written for publication by Brokers Online. Brokers Online offers uk residents access to many different kinds of financial products including life insurance quotes and online loans.