Monday, 27 November 2017



 Black Friday Sales and Bargains

Black Friday is right after Thanksgiving, which is November 27 this year. It's the first big sale before Christmas and, although it started in the US, it is now equally celebrated across the ocean, too.

The best thing about Black Friday is that it allows you to start your winter holiday preparations on time, at the same time enjoying some fantastic discounts. Bargain shopping is at its best now. It's a most convenient time of the year because, compared to post-Christmas sales, this occurs a month before the holiday. Therefore, it's a good time to purchase all those gifts for the dear ones and for the self.

Salary Of Carpenters In UK

Salary Of Carpenters In UK - Rates for 2017-2018

 Carpenters in UK can make a good living, once they are into the industry for a substantially long time. On an average, the average national salary of carpenters in UK is around £31, 787. However, the pay scale of carpenters is subjected to a lot of variation, depending on the skills they possess. While certain professionals are expert in dealing with joinery, others may focus on staircases and furniture. Certain carpenters have good repairing skills, while others concentrate on specialized domains. As a master carpenter, one may be able to tackle all these tasks. The salary of carpenters increases along with experience. In fact, carpenters in UK keep on learning the skills throughout their careers. Professionals with more than 20 years of experience earn the most. On an average, their salary can reach up to £37,500 a year, while they work under a company. A large section of carpenters in UK prefers to establish their individual careers after gaining good experience in the industry. Independent carpenters are in great demand in the country, particularly when they master the core skills.

Variations in the salary of carpenters in UK

The salary of carpenters in UK greatly depends on the nature of work they do. The location of the company also casts an influence on the wage rates. For instance, companies with a moderate profile offers a starting salary of £12-15 per hour to a carpenter in his mid-career. Again, an established company will readily provide a minimum wage of £20 per hour to the professional. On an average, a carpenter in UK makes around £120 to £150 a day, depending on his professional skills and the platform he is associated with.

Data showing employment trends in relation to experience

According to statistical data, an interesting trend of employment of carpenters can be noted. Most of the carpenters join a company as a trainee, or apprentice. They work there for a few years and gather experience. Only 1% of the carpenters belong to this category. They earn around £8 per hour. After a few years, they can approach companies offering salaries around £10- £12 per hour. They can make more than £100 a day. 24% of the carpenters belong to this category, with 2 to 4 years of experience in the industry. They can join better companies as they gather more experience and enjoy an increment in the salary. After working with the companies for 7 to 9 years, they master most of the core skills and can earn up to £15 per hour. Around 20% of the professionals belong to this group. Carpenters with experience between 10 to 19 years form 29% of the total number of professionals in the industry. Now, as they gather experience, they keep on migrating to the individual careers. Therefore, the percentage of employed carpenters with more then 20 years of experience drops to 26%.

 Carpenter Day rate and salaries

Another important aspect to be noted, individual carpenters seem to earn much more than the salaried professionals. They can approach better platforms and individual clients. However, they do not get the benefits that employed carpenters get. For instance, they need to arrange for their own insurance. Apart from this, they need to get their own equipment, unlike the carpenters working with various companies. Other skills like scaffolding, flooring and working on door frames also influence the salary of carpenters in UK.
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Sunday, 26 November 2017

Dawn of the Religions - Why We Believe?

Believe it or not faith is very important part of our lives throughout the history.

Early religion :

Ancient people tried  to explain the world around them as the work of the gods. They believed that the gods controlled everything in nature and their daily lives, They prayed and made offerings to the gods for the gifts of sun and rain which allowed the plants to grow so that people could survive. From these early prayers and offerings, the idea of organized religion grew, with people sharing their rituals and religious beliefs.

Religion provides many followers with a code for life, a set of rules or laws to live by. These rules or laws are intended to help followers live a better life on Earth.

Creation of the world

Many religions explain the creation of the world and everything in it as the work of God, the gods or a supreme being. These beliefs are expressed in creation myths which not only try to explain more about how the world was created but also why it came to be.

Good and evil

Many religions try to explain the nature and presence of good and evil in the world as the work of a good, loving God and a wicked, sinful Devil. But one of the hardest questions for religions to answer is why, if God is good, there is so much suffering in the world. Many people say suffering happens when people turn away from God or they explain suffering as God’s punishment for sin
 In the Middle Ages, people believed that if they ted wicked lives, they might be caught and eaten by the Devil

Mesopotamian and Egyptian Religions

Below: a statue of the goddess Ishtar. She is wearing a skirt decorated with fish swimming in a flowing river.

From about 7,000 years ago, two of the world s greatest civilizations developed in the Near East. One flourished in modern-day Iraq, on the fertile flood plains between the Rivers Tigris and Euphrates. This region became known as Mesopotamia, ‘the land between the two rivers’. The other civilization grew in ancient Egypt, along the banks of the River Nile. The people of both civilizations worshipped a large number of gods and goddesses whom they believed controlled all aspects of the universe, nature and everyday life, including the weather, the harvest, birth and death. Among the chief gods of Mesopotamia were Enlil, Lord of the Wind, and his father Anu, Lord of Heaven. In Egypt, the most important god was Ra, the sun god. These ancient peoples believed that it was vital to obey the gods and ensure their happiness, otherwise they might send disasters such as wars, disease and floods as punishment.

Hindu History and Beliefs:  Hinduism is one of the world oldest religions, although we have no fixed date for when it began. Its roots reach back roughly 4500 years to the time of the great Indus Valley civilization that flourished along the banks of the River Indus in north-west India (now Pakistan). Archaeologists have discovered many clay figures of gods and goddesses from this time that are similar to those worshipped by Hindus today. In about 1500 BCE, the Indus Valley civilization collapsed and a nomadic group of \ people called the Aryans began to invade north- • west India. Their religious ideas mixed with those of the Indus Valley to form the basis of Hinduism as it is practised today. Hindus do not call their code of beliefs ‘Hinduism’, a term coined in the 19th century. They call it sanatana dharma, which means eternal law or teaching. Today, there are about 800 million I Hindus, many of whom live in India. Many more have setded overseas, in countries such as Britain and the United States, where they have taken their beliefs with them.

Sunday, 17 September 2017

Commercial Insurance for Vehicles


Commercial Insurance for Vehicles
Most of the individuals select personal auto insurance for their vehicles, while the businesses buy the commercial insurance policies. The commercial insurance policy depends on how you use your vehicle. For example if you are using your vehicle for the business purpose, then it is very important to have a commercial insurance with you. People who participate in certain business activities with his or her car should definitely contact their insurance company to see if they have to purchase an additional insurance. In addition, the owners of all small businesses that have employees driving vehicles as part of your work needed to search the motor insurance business.

Any personal vehicle that is sometimes used for business purposes, probably the insurance needs of commercial vehicles. While it is true that some personal insurance policies may cover the auto damage that occurs during the business to some extent, you have to check with the insurance provider. Ensure that you are making your moves with an experienced insurance agent who is capable of understanding your needs independent and has experience in dealing with commercial vehicles and issues of personal auto insurance. If you are unsure if your policy covers your car, your best option is to use the wealth of knowledge that your agent has. Bring your policy with your agent and ask them to review your policy and coverage with you. Do not let the coverage to be changed.

If you use your car or truck for any business, you should consider buying commercial insurance for the vehicle. Is it possible to make pizza or other foods with your personal vehicle? What about the delivery of newspapers? Are you an event photographer who uses his own car to carry the team? Any vehicle your company owns, leases or rents, needs to be covered by insurance for commercial vehicles. It is necessary in most states to cover any financial responsibility if you or an employee is at fault in an accident. Basically, if you or the employees of your company drive company vehicles or even personal vehicles to conduct business, certainly you should have commercial vehicle insurance with you. One of the advantages of commercial auto policies that allow it to list any person you hire as a driver, an option not always have a personal policy. Thus, any employee who needs lists can drive your vehicle without going into issues that may arise from that person must enter into an accident.

Truck drivers in particular need to look at commercial truck insurance. Because trucks are much larger vehicles and require special training to drive, truck drivers are held more accountable for the damages. They must ensure that they are covered by a commercial policy.

Commercial auto insurance is also needed if you need more liability coverage of a personal insurance policy provides. In general, you need commercial auto insurance if the vehicle is owned by a business association, is used to transport tools or equipment weighing over five hundred pounds, used to make deliveries, or is heavy enough to state requirements or federal filings. If this applies to your business, or if you use your personal vehicle for any business, look at commercial insurance today to protect yourself and your portfolio.