The Basics of Tradesman Insurance

You may have hired the services of many workers, but you have to believe that gardeners, carpenters and builders are on the list of the most diligent workers. However, the problem for these workers is that they are prone to several risks. For instance, they may lose their tools or they may get involved in an accident while working at a site. Let’s know more about the tradesman insurance.

Tradesman Insurance

As said earlier, tradesmen’s job involves the risk of accidents. An average office worker may not be prone to as many risks as a tradesman. Actually, tradesmen make use of dangerous tools. That is the reason they are more likely to get injured than other people. The majority of tradesmen is usually self-employed. So, replacing a damaged or lost equipment is very hard for them. They may lose a lot of potential income if they don’t get a replacement for their lost or damaged tool. Fortunately, they have a ray of hope in the form of the tradesman insurance. This type of insurance is provided especially for these people.

If you have no idea what this insurance is, you can go ahead and read through this article. Tradesman insurance offers the following coverage:

Public liability coverage

This type of coverage offers coverage against legal expenses that may incur because of the claims of a property damage or injury to a worker.

Personal accident coverage

Personal accident coverage will provide coverage in case of an injured staff member at the workplace.

Damage to someone else’s property

This type of coverage helps you to pay for the expenses that occur when the workers cause damage to the property of a client.

Contractual works

This type of cover insures the construction works of the tradesman, including materials, especially if they get damaged or stolen. Aside from this, it can reimburse the heavy expenses related to extra costs of labor needed in order to rebuild the things that were completed earlier. For instance, this can offer coverage if a storm causes a damage to a building that is being built by a contractor.

Tools and equipment

The tools and equipment insurance offers coverage to the policyholder in case of the costs that occur in case of a repair or theft of a tool or piece of equipment.

Commercial Vehicle Coverage

This type of coverage protects you against the cost of upkeep of a vehicle of van that you use for business. Aside from this, it can cover for the rental cost of a vehicle. You can also buy other optional features or covers. For instance, with efficacy coverage, you can reimburse the litigation expenses if you are held liable for the installation of a faulty security alarm.

You can also buy tax investigation coverage if your business is being investigated for reasons related to tax. It will provide coverage against the loss of income during the investigation.

The Takeaway

So, if you are a tradesman, we suggest that you give a go to the tradesman coverage. Hope this helps.

Have you been looking for the tradesman insurance? If so, we suggest that you check out Compare Tradesman Insurance for quotes.

Dealer Bluff Six Card Poker – A Poker Table Game Where the Dealer May Try to Bluff You, Sort of

Dealer Bluff Six Card Poker is a poker variant table game which is distinctive. The dealer makes the first move and players react to what he or she does. Be aware that the dealer could occasionally bluff, but if you have poker tell expertise that won’t help because an electronic card reader that’s programmed to operate randomly, makes all the decisions to bluff, or not to bluff.

How to Play

Players must first make equal ante and blind bets. The dealer gives six cards face down to each and to him or herself. The dealer bets first, with the option to bet 1X, 2X, or 3X the player’s ante. The electronic card reader will then announce the dealer’s wager amount. Typically the dealer bets more with a strong hand and less with a weak hand, but keep in mind that the dealer will occasionally bluff. The objective is to beat the dealer with a better five card poker hand.

After the dealer bets, players have the option to fold (lose the ante and blind wagers) or call (make a play wager equal to the dealer’s), or raise (double the dealer’s bet). the cards are then turned face up to determine the winner(s).

Results

If the dealer has less than a pair, the ante wager is a push. All other bets receive action. If the dealer wins, the player’s ante, play, and blind bets lose. If the player wins, the ante and play bets pay even money. The blind bet pays according to the following table:

Hand Payout

Royal Flush – 500/1

Straight Flush – 50/1

Four of a Kind – 15/1

Full House – 4/1

Flush – 3 /1

Straight – 1.5/1

3/Kind – 1/1

All Other – Push

A tie between the dealer and the player is a push.

Optional Wagers

Aces Up – This optional bet pays the following even if the player loses the hand to the dealer:

Hand Payout

Royal Flush – 200/1

Straight Flush – 50/1

Four of a Kind – 30/1

Full House – 8/1

Flush – 7/1

Straight – 6/1

Three of a Kind – 4/1

Two Pair – 2/1

Pair of Aces – 1/1

Two Way Bad Beat – This option pays the following if the dealer or player has a pair of aces or better and loses. No matter who wins the hand, the player s always a winner if a bad beat occurs, unless there is a tie:

Hand Payout

Straight Flush – 10,000/1

Four of a Kind – 5,000/1

Full House – 500/1

Flush – 200/1

Straight – 100/1

Three of a Kind – 35/1

Two Pair – 10/1

Pair of Aces – 9/1

House Edge and Strategy

The house edge for the initial hand is about 1.7%, optional Aces Up and Bad Beat wagers are about 6.2% and 10.6% respectively.

The recommended strategy from the experts is: If the dealer wagers 1X – fold with a K-J-8 or less, raise with a pair of 3′s or better, call on all other hands. If the dealer raises 2X – fold with a pair of 6′s or lower, raise with a pair of 10′s or better, call on all other hands. If the dealer raises 3X – fold with a pair of 9′s or less, raise with a pair of Kings or better, call on all other hands.

Last-Minute Hotel Deals Will Make a Procrastinator Out of You

Last-minute hotel deals were once looked at as being able to get what you could at a price higher than you really wanted to pay. In other words, the idea of a ‘deal’ was relative and was non-existent. Sure, there were times you could score some cheap travel lodging, but it was rare & had a slew of hidden issues attached.

Nowadays, the notion of planning ahead for any type of travel seems almost crazy. What’s more, this applies to travel in-state, state-to-state-, and even international travel. No longer are borders problematic, and considering how finicky lodging can be for some travelers, this is especially welcome & also perplexing.

How is the ease of making last-minute hotel plans possible? One word – Internet. The fact remains that the Internet has revolutionized the travel industry, and you are in the driver’s seat for the entire travel booking process. Never in the history of the world has it been easier to be so involved in all facets of travel, and the truly mesmerizing thing that it just keeps getting better.

Websites all over the world for everything from the most basic motor lodge to the best five-star hotel offer user-friendly websites that allow customers the chance to even be able to see what rooms may be available. Some offer live chats with prospective travelers, and even more profound are the hotels that offer a 360° view of available rooms so that when you book, you know exactly what you’ll be seeing when you arrive. The advancement of technology is just astounding.

21st century technology has now spawned the dawn of the mobile app, which connects prospective hotel visitors to the entire world by way of a little application. On these apps, you can explore rooms, reviews, prices, and even proximity to locals attractions. Even more crucial is that these apps often have four to five-star ratings for their accuracy & ease of use, essentially silencing the critics who believe that such ‘flash-in-the-pan’ tech is limited.

A last-minute hotel room is made even easier because there is so much competition between competing hotels for your business, you can almost list your own terms, including price. There was a time when you were stuck with one option for a hotel stay, and since everyone was vying for the same rooms (i.e., Spring Break, Memorial Day/Labor weekends), you really had to plan far in advance to make sure you had somewhere to stay. While this may still be the case in more rural areas, more often than not, you really have a tremendous amount of choice when it comes to the hotel you want with the type of room you want, and you can wait until even the same day to book.

As a final note, though, travel experts do advise travelers to use common sense when booking their lodging & urge them to understand that waiting too long for last-minute hotel deals can result in having no lodging available all together, so be mindful of your plans & book accordingly.

The Importance of Hiring a Property Management Company

In this age of independence and mindset that one can manage on his own, it is inevitable that a property owner would think he will do fine on his own. Sure, you got tenants who at first, pay on time until gradually they won’t, some will breach the contract and lease terms, then they cause problems with the neighbors and other tenants, then slowly you will notice you are losing money and when you decide to evict the tenant, next thing you know, you have a lawsuit at your doorstep.

The reality is if you use the services of a professional property management company, not only do you have peace of mind, your investment is protected and the consistent cash flow you receive through rent can assist you to buy additional investment properties.

This is why you need the assistance of a property management company, but before that, we will determine the pointers on why it is important to hire one.

Determining the Worth of Your Property

The problem with inexperienced owners is that sometimes they get overwhelmed on how they price their property to the market: oversell and you have to deal with the high vacancy rate with no profit, undersell and you will realize you are slowly losing profit. This is where a property management company comes in, they will help you determine a balanced meal where you gain tenants and continue to rake in profit.

A property management company is also well-versed in marketing your property and placing ads where it will attract tenants. They will answer any inquiry and they know what entices a prospective tenant, therefore will help you point out some cosmetic improvements so that the tenants will feel that renting your property is worthy of their money.

Avoiding Major Problems with Tenants

Screening tenants would not be one of your problems anymore because the property management company will take care of it. They know too well how to check the background of the interested tenants, their criminal records, their relationship with previous property owners and if they have ever caused problems before. Think of it as helping you weed out the bad ones for a healthy and bountiful crop.

Collecting rents is the most common problem in renting out your property. When left to your own devices, having your tenants pay you on time will become a child’s play of hiding and seek between them and you as the property owner, certainly some tenants will tug at your heartstrings and gain your sympathy with the hope that you will let them get away with it. A property management company, however, will become the middleman who will ensure that the tenants abide by the lease terms and should understand that they are just doing their job for you, keeping your cash flow consistent.

Maintenance

When a tenant has reached the end of the contract, the grueling process of turnover will usually keep you busy as a property owner, but with a property management company by your side, that is another pile of stress that will be taken care of. Any deductions from the security deposit will be made and returned to the tenant, and the restoration process of repairing any damages, repainting, changing locks and cleaning the property would be done without getting your own hands dirty.

As a property management company, expect that they know the right people to contact should there be any problems with leaks, wiring, and plumbing experienced by the tenants and their dilemmas will be addressed promptly.

Saving Time and Money

A successful businessman knows that delegating tasks is key for a successful business so that one can have more time to deal with other business ventures. With almost everything being taken care of, it seems like the only thing left to do is to visit your property at a certain time interval and continue to rake in profit while having more time to spend it with your family, social life, other priorities, and investments.

IN CONCLUSION

Hiring a property management company takes care of the burden for you, especially if you are well aware that marketing, confronting tenants with late payments and handling maintenance are not your strongest points especially if managing your property is not the only priority you have in your busy life. Therefore delegating this task to a reliable property management company may just be one of the best decisions you have ever made.