Any Ape

A new fifty million pound commercial office has been proposed for Liverpool city centre by West Bay Capital. The family owned Irish firm are hoping to build the biggest ever of it kind in the city, an eighteen story scheme, which replace existing offices at 30, Pall Mall.

If given the go ahead, the first phase of the 225,000 square feet of offices should start by the end of 2009. West Pay Capital are hoping to secure the Ministry of Justice’s relocation contract, providing workspace for two thousand five hundred staff. Funding has been arranged, but is dependant on a part of the new office space being pre-let.

Ashley Moore, West Bay’s managing director said they were “delighted” with the proposal and believed Liverpool could be amongst the country’s “premier business destinations” if plans go ahead. Adding it could be seen as a “huge vote of confidence” for the city and would help continue growth in Liverpool’s commercial quarter. A sentiment echoed by the chairman of lobby group, Downtown Liverpool in Business, Frank McKenna. Moore stated that their plans were the “only development” suitable for possible relocation by the Ministry of Justice in Liverpool.

The new development will include two separate office buildings, an interior courtyard, plus cafes and restaurants on the ground floor. Architects Broadway Malayan say the development will be the “greenest” in Liverpool and Mason Owen, the project agents, believe the proposals reflect the “underlying strength” of Liverpool as a major commercial centre. Liverpool continues to grow its supply of top-quality commercial office space with innovative rent desk schemes. Andrew Owen, speaking for the company, also added the project was “innovative” and will attract the public and private sector alike. Good news for Liverpool commerce.

Everybody is aware of the massive change that can come about from simply changing the colour on your walls. Another often overlooked way to influence the way a room appears is to change the flooring, kitchen carpets can make a great alternative to exposed floorboards or lino.

A great way to change the feel of a room is to modify its shape. Often it can be quite tricky to come up with a solution to achieve this. Narrow rooms which have out of proportionally high ceilings - a great way to combat this is to install a false ceiling with down lighters. If your loo is located adjacent to your bathroom it’s a sensible idea to remove the parting wall. Having a re-think of layouts to change the size and proportion of a living space is a great strategy to breathe new life into your home.

A very useful way of increasing the apparent size of a room if it is quite thin is to hang large mirrors on opposing walls. Small mirrors also go a long way to achieving the desired affect and can often cost the fraction of the price of a huge mirror. The genius of it is your brain is fooled into believing the space is much larger than it is for the fraction of the cost of moving a parting wall. If the room is high enough to accommodate another level then building a level at one end is a great idea to make the most of the space.

Comfortable furniture is an absolute must for any home and can make a huge difference to a room. If your room is one designed to relax in make sure that the furniture you choose for it allows you to relax.

If you work for or own your own small business, providing or finding
affordable and comprehensive health insurance can be even more difficult than usual. In fact, a recent survey found that more than half of small business owners in California don’t provide health insurance for their employees. The cost for providing health insurance for an employee averages over $3000 a year.

This is despite a requirement under California health insurance laws stating
that small group health insurance must be available to any small business that
otherwise qualifies for group health insurance.

By law, any small business (defined as 2 to 50 employees) in the state of
California must be offered the same health insurance for small businesses that
is offered to other small businesses.

Coverage cannot be denied as long as a company pays their premiums, has been in
business for at least two months and offers coverage to all eligible employees,
including any who work part time.

An insurance company may also specify a minimum acceptable number of people to
enroll in their plan otherwise they do have the right to withdraw the insurance.
The health insurance may be revoked if the required minimum number of employees
doesn’t participate.

Under California law, it’s also illegal for an insurance company to refuse
coverage based on the health of the insured group - coverage may vary based on
employees’ average age and location.

And those companies that do bother to provide health insurance are cutting back
on benefits or employer contributions - around 25% of employers said they have
had to either reduce benefits or make their employees responsible for more of
the costs.

Apart from being a requirement, health insurance for employees of small
businesses makes financial sense - as well as being an excellent way of keeping
employees happy and reducing absenteeism, there may be major tax benefits. In
general, expenses related to health insurance are entirely tax-deductible when
incurred by an employer.

Who doesn’t appreciate flickering flames in a fireplace? For those who don’t have the inclination or time for burning firewood in their fireplace, fireplace candelabra are the obvious answer. They provide that special glow without the hassle or, in warm weather, the heat. But how do you keep those fireplace candelabra worthy of the visual focal point of your home even for those times when you haven’t lit the candles?

Even without burning candles, decorators have their tricks for using fireplace candelabra as foundations for eye-appealing displays in the fireplace. Here are three of their super quick and inexpensive techniques using fabric that you can try:

1. Heavy Fabric
Use a full-bodied fabric, such as tapestry, brocade, or velvet, which coordinates with the colors and style of your room. Casually interweave the fabric among the “arms” of your fireplace candelabra, leaving dramatic folds of fabric spilling onto the inner hearth and over parts of the candelabra. Tuck in the ends, out of sight. Now, replace those candles, but don’t, of course, light them as long as the fabric is in your hearth.

2. Lace or Sheer Fabric
For a different, but equally appealing look, use a sheer fabric, such as chiffon or lace. Give it the same treatment as above, with visually interesting draping and folds of the material. This lighter, airier treatment is more appropriate for some rooms.

3. Tassel Magic
At your local fabric store, find three to five inch long tassels in a color, or a mixture of colors, to highlight your room and the metal of your fireplace candelabra. Buy a tassel and a few inches of coordinating cording for each candle on your fireplace candelabra.

Cut the cord into lengths a bit longer than the circumference of each candle. Either by sewing or by using your glue gun, make a circle of each piece of cording and attach a tassel where you join the ends of the cording. Each circle of cording should be big enough to easily slide onto a candle, down to its base.

Slip each cording-with-tassel circle over a different candle on your fireplace candelabra. Adjust the tassels so they are hanging over the edge of the candle cups, facing into the room.

These tassels so beautifully accessorize the candles of your fireplace candelabra, you may be tempted to leave them when you light the candles, but please don’t. Remove them before lighting your candles and save them to put back on when you blow the candles out at the end of the evening.

A bit of fabric dramatically posed or some tassels elegantly dangling from your fireplace candelabra can be so charming, your fireplace candelabra can rightfully maintain the place of honor in your room’s natural focal point, the fireplace, even when its candles aren’t aglow.

About the author:

Susan Penney appreciates simple ways to make our homes renewing spaces for our families. She invites you to visit http://www.FireplaceMall.comfor fireplace accessories to serve your fire-less or your fire-filled fireplace.

The prospects of scooping the European Lottery jackpot is a distant one in seventy six million but the possibility of winning a money prize is a fairly decent one : twenty-four. If the jackpot is not won in a given week, it is carried over to the next lotto draw which results in an ever increasing jackpot value. Recent regulations brought in on the 9 February 2007 set the amount of successive roll-overs to eleven, with the jack-pot rolling down to smaller prize levels succeeding the 11th lotto draw if the prize is not collected.

The Euro millions lotto or the Euro lotto, as it is usually well-known, gathers the lotto ticket receipts of the nine partaking Euro countries presenting a enormous Euro lottery jackpot. With the quantity of nations joining the EU on the increase, that will without a doubt lead to new states partaking in the Euro Millions lottery. A growth in the number of people partaking in the European Lotto will lead to a prolonged increase of the already giant euromillions jackpots.

The new rules likewise initiated Euro Lotto Super Draw which come about twice annually plus they offer jack-pots in the region of 100 million pounds. The difference with Super-Draws is that the jackpot must be collected during the week of the lotto draw; as a result, when there is no lotto ticket corresponding, all the numbers drawn and the top prize will then be distributed to the ticket bearer(s) in the next winning prize tier.

Each participant must pick out 5 main numbers from 1 to 50 and two Lucky Star numbers from one to nine. During the Euro millions draw 5 primary and 2 lucky-star numbers are then selected at random from 2 draw machines containing numbered lottery balls.

There is no denying the fact that success of a business depends on the hard work of the team but one disaster can wipe out your efforts and bring down the profits to dust. So, to avoid such an instance, you need to insure your business, whether it is a small enterprise or a large corporation.

There are insurance companies, which have policies that combine protection for all major property and liability risks in one package. You can also opt for separate coverage. Such a policy is called a business owners’ policy (BOP). Larger companies may purchase a commercial package policy.

BOPs include property insurance for buildings and equipments owned by the company. If there is any loss of income due to disruption of operation and business because of accidents like fire, it can be covered under the Business Interruption Insurance.

There are liabilities, which cover the company’s legal responsibility for the harm it may cause to others. It is the result of your company’s failure to do the business operations. It can also be the bodily injury or property damage caused due to defective products, faulty installations and errors in services provided.

However, BOPs don’t cover professional liability, auto insurance, worker’s compensation or health and disability insurance. Separate policies are needed for professional services, vehicles and employees. Generally, floods, earthquakes and terrorist attacks are not covered in the business insurance.

Protection Against Flood Damage

If your office is in the flood zone area, you must definitely go for a policy, which provide coverage against flood. Try to find out whether the place had been hit by flood in the past. Make sure you do something in advance to make up for the loss. Otherwise you may face trouble.

Protection Against Earthquake Damage

Earthquake is also not included in most property insurance policies such as homeowners and business owners’ package policies. Special Earthquake Insurance Policy or Commercial Property Earthquake Endorsement can cover you if you live in an earthquake-prone area. However, earthquake policies have different deductibles.

Business Interruption Insurance, which reimburses you for the lost income during a shutdown, applies only to the damage covered under your business property insurance policy. There won’t be reimbursement for the loss caused due to the closure of business because of the earthquake. For it, you must have an earthquake coverage policy.

Protection Against Terrorist Attack Losses

In the US, loss due to any terrorism is covered only for those businesses that have optional terrorism coverage. It comes under the Terrorism Risk Insurance Act 2002. Still, there are exceptions in workers’ compensation, which include injuries and deaths due to acts of terrorism.

Joseph Kenny is the webmaster of the insurance site http://www.insure121.com/ where you will find information, news and links to the leading providers of insurance in the UK. If you found this article interesting you may find more articles of the same nature in the insurance guide located on site.

Does this sound familiar? You’ve saved and saved for that perfect vacation you’ve always dreamt about. You’re in the travel agent’s office, you’ve just purchased your very expensive ticket and she’s saying that you should buy some international travel insurance too. You roll your eyes because you’re sure all this international travel insurance business is nonsense and she’s just trying to get some more of your money. You say no thanks. While on your vacation, you crash your car and get hurt. Guess what? You’ve got to foot all the expenses yourself and because you didn’t want to get international travel insurance.

For those of you who aren’t familiar with it, international travel insurance is a must have if you intend to travel out of your own country. Since you’re not familiar, right about now you’re probably asking what international travel insurance is. Simply put, it is a temporary insurance policy which you buy before you leave on your trip. Typically, coverage lasts the full duration of your trip but, depending on who you’re insured with, your international travel insurance can be extended for up to 12 months.

A lot of people couldn’t be bothered with the added expense but there is always the small possibility that something can happen. A good international travel insurance policy will provide three things: good coverage at a reasonable price, readily available emergency assistance and efficient claims processing. It should also cover most circumstances. Your international travel insurance isn’t adequate if it doesn’t cover medical expenses, medical evacuation, travel cancellation and deferment costs, loss of luggage, rental vehicle expenses, death expenses, personal liability and legal expenses.

There is most often a need for international travel health insurance, to cover medical expenses. This can include hospital stays, medication and doctor’s fees. However, international travel health insurance is a godsend in more critical situations as it also covers ambulance services and emergency-related travel expenses, which is especially important in third world countries where supplies are limited and you may need to be transported to another country.

While you may not think that the cost of such international travel health insurance coverage is justified for a short, weekend trip, if you’re going to be hiking through malaria infested forests over those two days, you might want to think again. Use your discretion. It’s much better to be prepared for a possible emergency than to fall ill or get injured and not have any international travel health insurance coverage.

Jim Grayson makes a living in the field of research. If you have found this article useful, visit his specialist resource sites, www.wholesale-travel-insurance.info and www.travel-insurance-brokers.info. For more general information on this topic and others, visit www.moreinformationblog.com.

Liability auto insurance is one of the two basic forms of car insurance. In most states, liability auto insurance is also the absolute minimum coverage that you, a car owner, must carry in order to legally operate a vehicle. Liability insurance protects you from incurring out-of-pocket expenses in accidents that are your fault. While liability insurance may be sufficient coverage for some situations, you’ll more than likely be more comfortable with the fuller protection offered by collision or comprehensive coverage.

What exactly are you protected from when purchasing liability auto insurance? To understand this, it will be helpful to note that there are two kinds of damage possible in an accident: Bodily injury and property damage. So, when you are considering liability auto insurance, you will want to know the amount of coverage offered for each category. When checking out a policy, look for three numbers separated by slashes, for example: 15/30/5. The first number in the series refers to the bodily injury amount available for one person injured in an accident ($15,000); the second number refers to the bodily injury amount covered for all of the people injured in an accident ($30,000); the third number refers to the amount of the property damage compensation offered by the liability auto insurance policy ($5,000). The numbers used in the previous example are somewhat standard for the minimum liability auto insurance coverage required by most states. If you consider just how little $15,000 will go toward paying medical expenses or $5,000 would go toward repairing a car, it is obvious that a 15/30/5 policy might not be adequate to insure you if you’re involved in a major accident.

Another factor for you to consider when purchasing a policy which provides only liability coverage is damage that may occur to your own vehicle in an accident. Liability auto insurance won’t pay anything toward the repair or replacement of your car. A liability auto insurance policy also does not reimburse you for damage or loss due to being hit by an uninsured driver, being involved in a hit and run accident or having a car stolen. Of course, if your vehicle is an older model and you can approximate that the value of the car is less than the premiums that you would need to pay to cover it, then a strict liability auto plan could prove beneficial. Otherwise, it would be a wise choice to forego liability auto insurance and purchase something a little more comprehensive.

While liability auto insurance is well-suited for car owners who own older vehicles or don’t drive on a daily basis, adding collision coverage is not much more expensive when considering the risks involved in hitting the roads. Read the auto regulations for your state to best determine which plan would be most suitable for you, and ensure that you do have at least the minimum coverage available. Most insurance agents are quick to inform you of your options.

How does 100% off the cost of next year’s health insurance premium sound?
This is on offer through the Prudential Insurance Company’s Pruehealth. They offer their Comprehensive Plan and here are the details, based on a 40 year old non smoker in good health: The monthly payment for a male would be £62.85 and for a female £66.43, there is an excess of £100. The premium is reduced if you gain “vitality” points and this is how it works:

At the end of the first year there is a discount of 25% and you earn further points and therefore further discounts, by improving your health. Measures such as reducing your blood pressure, taking fitness assessments and regularly visiting the gym are encouraged. Cheap gym membership is on offer. There is a website offering encouragement and handy tips about diet and exercise.

When checked with other medical insurance policies, the Pruehealth policy mentioned above came out more expensive than those of General Medical, Health-on-line and Axa PPP. General Medical, for example, offers their Foundation Plus First Choice policy. The premium again based on a 40 year old non-smoker, male or female, is £48.05. The excess is £100.

As the cost of insurance rises with age, inevitably the insurers are going to have to recoup their costs. Some work their premiums out based on age bands and the cost of insurance can jump sharply as you move up from 40 to 49, 50 to 59 and so on. Rather than sudden increases in the premium, many companies increase by a smaller amount, but apply this yearly.

At a time when private medical insurance seems to be roaring away and the very people that need it most are starting to cancel their policies, it’s clear that something needs to be done. Medical inflation accounts for an 8% rise in premiums per year, as new drugs and diagnostic equipment cost soar.

Consumers can feel reassured by some of the latest changes on offer in a bid to address the problem. One idea is suggested by Penny O’Nions, of the specialist broker Onions Group. They have a plan which covers inpatient care only. Any private outpatient care would have to come out of your own pocket and whilst most serious illnesses such as cancer would involve hospitalisation, increasingly these are treated in outpatient facilities and therefore wouldn’t be covered.

An excess on your policy (the part you pay yourself in the event of a claim) can gain large savings in your premium. By paying an excess of £100 you could save around 10% and if you’re prepared for an even bigger excess, say £2000, you could halve the amount you pay. This effectively puts a ceiling on the costs of illness.

No claims discounts usually apply to these types of policies and you should be able to transfer these if you decide to “jump ship”.

As you can see, there’s a vast range of options. Many people stick to the same old policies, feeling it’s just not worth the effort of transferring but in fact it couldn’t be easier. Just go to your favourite search engine, search for insurance brokers and find one which offers health insurance. They’ll take your circumstances into account and find the best deal for you. There’ll be the additional bonus of an on-line discount.

Web based sports betting web sites are mainly regulated with the help of 3 structures. These guilds are OSGA (the Offshore Gaming Association), IGC (Interactive Gaming Council) and the Fidelity Trust Gaming Association FTGA. las vegas sports bet

The Offshore Gaming Association is a self-regulating authority which presently supervises the thriving overseas sports gambling trade, they endeavor to also supply gamblers the capacity to swiftly pick out trust-worthy internet companies to play games with. It tries to guard the concerns of gambling buffs, additionally they do not demand any joining fees. The Offshore Gaming Association are a well qualified and unprejudiced third party agency that reveals non-biased impressions, built on your evaluations, objective inquiry, chats, inside advice also provides inside gossip.

The Interactive Gaming Council is a non-profit-making administration. The administration was set up to supply a platform for worried people to talk through controversies and also to boost mutual concerns in the world-wide interactive gaming business, to ensure frank and also stable industry instructions and procedures that endeavor to enhance client faith in internet based wagering merchandise and utilities, also to help as the overseas gaming trade’s public practise advocate moreover the Interactive Gaming Council provides an information clearinghouse.

The IGC have worked up a distinction for honor, integrity and sincerity by virtue of the scrupulous integrity standards it exhibits, and in addition its appeal for ethical internet sites. The Interactive Gaming Council governs offshore sports gaming by promoting a distinctive 10-step code of behavior and also bills sports gaming business enterprises license fees to exhibit the council’s logo. Frustrated gambling lovers may moreover mention their conflicts to the Interactive Gaming Council.

The FTGA has been established in an attempt to create a benchmark which will raise the standards of web based sports betting web sites. The Interactive Gaming Council proposerealize that by carrying on trade exclusively with good companies, they are able to build an alliance of the fairest and professional cyberspace betting companies all over the planet. There are bodies which survey the behavior practised by networked sports gambling and which should hopefully help to take the edge off any insecurities held by cynics. World wide web based gaming web sites are nowadays actually secure, beacuse individual data are no longer submitted and in addition the payments and the gambling odds are usually equivalent to common Vegas-style Vegas type sports bet. They cut travel time, but nonetheless keep the original atmosphere, however now you are enabled to game in your home.