Construction Insurance Protects Your Employees and Your Investment

The building profession is a diverse field. Construction workers are employed in a variety of commercial and residential settings and use an array of different tools and materials. As a result, each site presents unique risks for personal injury or property damage. Construction insurance is necessary to protect contractors, subcontractors, and property owners from litigation resulting from an injury or property damage connected with the building process.

However, purchasing construction insurance is not just a wise business investment. Policies may be required when providing services to the federal, state, or local government. Many private entities will require coverage as well. Your employees, clients, and the public all benefit from comprehensive coverage in the event that something does not go as planned. Potential clients also look for these protections as a sign of professionalism when hiring a contractor.

Construction insurance works by protecting the contractor and any injured parties in the event of property damage or injury at the job site. This type of policy is referred to as commercial general liability insurance. Parties protected generally include the party agreeing to the services and members of the public directly affected by the work.

The insurance company will pay for any accidental injuries or property damage so that the business owner does not have to pay from his own pocket. Legal counsel will also be provided in the event your business is sued as a result of an accident. Negligent behavior and deliberate omissions or errors are not covered by these policies. Typically, the policies are effective during the time the contracted work is ongoing. However, issues may arise long after the completion of the building. These problems can often be addressed when creating the agreement by adjusting some of the language.

A builder’s risk policy indemnifies against damage to the building while under construction. It protects against damage to fixtures, materials, and equipment used in the building or renovation process that may be caused by fire, wind, theft, or vandalism. Cars and trucks used in connection with the work and driven by employees may need coverage as well. Design professionals like architects, or others engaged in designing any aspect of the project should have professional liability coverage.

Workers compensation is another type of coverage that may be required in your state. These policies protect workers injured or who become ill on the job site by paying medical bills and disability claims. Finally, a bid bond may be required under some circumstances. This is a proof of guarantee to the project owner that a contractor can perform the work required and is a promise that the owner will be compensated.

Consult with an agency experienced in serving contractors, subcontractors, and property owners if your project requires construction insurance. An experienced agent can help identify risks and potential losses in order to determine what plans will cover your needs.

For reliable construction insurance, Albuquerque contractors rely on Menicucci Insurance Agency, LLC for total coverage in the event of an accident. Learn more at

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How Iridium Satellite Phones Benefit Business


Everything we do today, from our shopping errands and bill paying routines all the way to the way we view television, is satellite-based; our businesses are no different, at least not if they are running at optimal efficiency. Satellite usage enables any business to grow rapidly, reaching audiences never before deemed possible, and doubling their customer bases like wildfire in comparison to the results generated by the resources used even five years ago. There is a solution: Iridium Satellite Phone.

About Iridium Satellite Phones

One of the most important satellite-based systems used in business today is the Iridium Satellite Phone system. Iridium is a mobile satellite communications company which is all-inclusive from a genuinely global perspective. The business solutions provided by Iridium for the voice and data needs of the business world give your company incredible reach which spans the planet in its entirety.

While Iridium offers a variety of services and products, including phones, for use in a variety of settings and for many purposes, they also have every aspect of business satellite phone services completely covered. If your company has streamlined all of its functions and processes, and maintaining a dependable, near-real-time service satellite phone service is essential to its maintenance then Iridium is the company you are looking for.

What Iridium can do for your business

If you are expanding your business globally, or you already have and need to improve efficiency, Iridium has the technology you need to get the job done. Any business being conducted at any time and on any level as their network is fully ingrained and cross-linked and maintained by a number of ‘spares’ which are currently in orbit. To put it simply, there is nothing and no one you cannot reach and communicate with clearly and as needed thanks the Iridium’s business satellite phone services.

2015 will bring the unveiling of Iridium NEXT, a brand new enhancement which will bring incredible extras to Iridium customers. Iridium’s priority is to bring the needs of the organizational and business worlds, which consists of the people, to the forefront. By offering a variety of satellite telephone hand units (handsets) which communicate via the satellites on ships, aircraft, and on-ground vehicles Iridium is able to literally take your business and all of its aspects to a global level. To put it simply your business will never be the same. You will increase your customer or client base to a worldwide status by taking advantage of the ability to conduct business with anyone, anywhere, anytime.


In this day and age the ability to conduct business quickly and easily is essential, and satellite phones for business are truly one of the only ways to go if you want to access important data or individuals when needed. Iridium can take your business from the home front to the foreign shores and beyond by allowing your business satellite phone service to be streamlined with the rest of your process. Keep all your eggs in one basket, but let Iridium Satellite Phones gather them by providing your business with the very best voice and data satellite phone service on the planet and all around it.

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Woman Owned Businesses and Those Sexist Male Customers

Not long ago, I was reminded that there are still people out there who deserve the term “sexist” and that although our society is changing in that regard, the transition is not yet complete. There are still holdouts who probably won’t change. How bad is it? Well, there is still a little of that everywhere in our society. Let’s talk.

I was discussing this issue with a young female entrepreneur, she owns a boat detailing company. She is successful, smart and strong-willed. She will be a success in whatever she does, and she has chosen to make a stand in the yacht detailing business. She complained about a male customer who was completely condescending to her and made some snide sexist remarks – no, I am not going to get into what he said, only that it was highly inappropriate in my opinion and trust me, I am not one to jump on the “politically correct” bandwagon – I tend to roll the other way, against such trends. My advice to the young up-and-coming entrepreneur goes something like this:

I wouldn’t worry about “sexist” men who own boats, you’ll find lots of that in every domain, even as a guy, I find men more often than not with “Unearned Egos” and it seriously makes me wonder if they are real men at all. You should kill them with kindness, stroke their egos and sell them your boat detailing services – always remembering that “adversity builds character” and in the end you are the better woman. Just be Great!

Additionally, I added; Success is the Best Revenge – Be Great and Surpass Expectations and you will win new clients by the boat load. I reminded the young gal starting out in her new business that “It sounds like you are in search of excellence and you’ll probably find it since you are giving this business a lot of attention and mental power; you see,” I told her, “I seriously cannot think of a better thing to do than run a small business while you are young, it will help you in everything you do the rest of your life. And you get to write your own ticket, you have everything going in your favor – your hard-work ethic is paramount and you have the will to win.”

Further, after thinking on this and her comment about the episode that transpired; “who would want to wash a boat for a sexist anyway?” Well. I get that. I used to hate to wash cars for Attorneys, Psychologists, Doctors, professional know-it-alls, but one day I thought, hell, they are raking us over the coals with high prices for their services, and I need to get some money back for all of us real people. So, I never worried about who I was working for after that. Their money is just as good as anyone else, especially when I put in a little “extra hard-to-deal-with customer” charge.

I congratulated her on her will to press-on, and I congratulate all women who do. It is good to see it, and explained to her; “I am glad you can see through the male-bias issues with wealthy men who are having their midlife crisis, thus a boat to prove their ego in the mirror. I just think you have so much going for you in life, that you should never ‘play victim’ or use that as an excuse. Your integrity to overcome idiots in life is much more important for your future.”

Yes, some folks will come off as arrogant, sexists, and play the bad manners, especially after a few glasses of wine. Just promise yourself to stand tall and above it all, show them what you are worth – WIN. The real losers in life are those with a ‘sexist mindset’ and I for one would never want to go through life like that; poor them.

Lance Winslow has launched a new provocative series of eBooks on Future Concepts. Lance Winslow is a retired Founder of a Nationwide Franchise Chain, and now runs the Online Think Tank;

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MacGyver Yourself Into Success

In the great wisdom of TV entertainment, the popular 90s series MacGyver is back, re-hauled and re-cast, with fresh young faces, but the point is the same: trouble occurs, MacGyver is (usually reluctantly) called to the rescue, and “MacGyvering” ensues.

Which, for me, is the appeal of the show: what on earth is MacGyver going to duct-tape, chewing-gum, paper-clip together this time to rout the bad guys and save the day? He has a genuine hero’s approach to problems-never sulking, walking away or giving up in the face of a problem, always looking for a different approach. In a word, “Can’t be done” is always translated into “Gotta be a way.”

What a winning approach to life! How many times have you told yourself “Can’t be done” and with those fatal words, dashed your dreams, smashed your hopes, given up on a cherished goal? I certainly have, more often than I’d like to admit, and always to my later regret.

Optimists don’t do that. Optimists, defined by their hopeful and confident attitude toward the future, run quite literally where others fear to tread. Which is why optimists are often labeled “fools” or “Pollyanna.” Forgetting that Pollyanna thrived.

It’s truly worth adopting an optimist’s hopeful attitude toward the future. Study after study proves that optimists do very well: they live longer, are healthier, more successful, and happier than pessimists. My favorite? They outperform their own talents. Personally, I take that as very good news.

The mistake is thinking that optimists simply rush headlong into any and all ventures. Optimists, instead, look at situations like everyone else, with an eye to what might go wrong, but what’s critical, is they also look at what might go right, and chose to lean in that direction.

Take Bill Gates, for example. How easy it would have been, for him, sitting in his garage, to think “Who’s gonna want this stuff? Never gonna happen!” and abandon his dream to pursue something tried and true. Like door-to-door encyclopedia salesman. Which, by the way, is now a defunct profession. But he didn’t. He chose the optimistic course: maybe, just maybe, someone somewhere would find value in what he had to offer. Or take Elon Musk, or Hillary Clinton. I don’t care what your politics are, think of how optimistic you must be to either shoot for the moon, physically, or shoot for the moon, in terms of aiming to be the first woman president.

My dream? Double-pirouettes by age 70. OK, not everybody’s dream I grant you, but my small dream, which takes a significant optimistic viewpoint to even consider. What’s yours? To write that novel? Create that work of art that thrums in your brain night and day? Travel to that far distant land you’ve dreamed of? Star in that movie, rock-band, fashion commercial? MacGyver yourself!

The more you refuse to accept that you can’t, the more likely you are to succeed. Be bold, be brave, and go for that dream that lives in your heart. I guarantee, it will be worth it.

Noelle C. Nelson, Ph.D., is a psychologist, relationship expert, popular speaker in the U.S. and abroad, and author of over a dozen best-selling books. Dr. Nelson focuses on how we can all enjoy happy, fulfilling lives while accomplishing great things in love, at home and at work, as we appreciate ourselves, our world and all others. She is the author of “Happy Healthy… Dead: Why What You Think You Know About Aging Is Wrong and How To Get It Right” (MindLab Publishing) You Matter. You Count. You Are Important. Visit, @drnoellenelson.

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Who Is a Real Easy Target?

I have a friend named Chris who is a registered sex offender. This is his story. With lots of housing searches and negative responses from potential landlords and in many cases without any response at all, Chris found a room in a roach infested shared apartment. He lived without any incident, paid rent on time and was courteous to everyone. He went above and beyond by cleaning the shared kitchen and the living-room even when other roommates did not seem to care.

Fast forward a year and a room was vacant in the apartment and the landlord found a woman as a possible tenant. Chris happened to meet the woman when she came to look at the room. They had a courteous conversation. She even told him of the church that she went to. In between the conversation, he told her of his situation of being in the sex offender registry since that was something that could not be hidden from a roommate as he was in a probationary period and his PO came anytime to check on him.

On the day the woman moved in, Chris helped her with carrying some of her belonging to the apartment. To Chris she seemed like any other roommate who came before her. However, that all was soon to be changed. The next morning, he saw a silhouette of a little girl entering the new tenant’s room, a big surprise. He got concerned and when he happened to meet the new tenant, he asked her if she had a child living with her. She acknowledged that and told him that she was babysitting for someone in her church. He told her that she could not have a minor in the apartment because of his situation. She told him that she understood the concern and that it was just for that weekend as someone in the church desperately needed a person to look after their child. Convinced by her answer but yet very worried, he spent the weekend praying that his PO would not knock his apartment door.

Every time he heard even a faint voice of the minor, he freaked out. Every time he saw the woman leave the apartment with the little girl, he freaked out. Every time he heard a knock on the front door, he freaked out hoping that it was not his PO. It was a waking nightmare for Chris because of the uncalled for situation. He knew deep down in his heart that he was no danger to anyone but how was he supposed to convince everyone with him being in the sex offender registry?

Chris immediately called the landlord and explained the situation. The landlord told him that the new roommate was explained to about his situation prior to her moving in and that she did not tell him about a minor living with her. Chris courteously asked the landlord to have the new tenant removed as it was against the lease to have more than one occupant living in a same room. The landlord assured him that he would explain that to her and see if she would move out. Meanwhile, every moment living in that apartment was a living nightmare to Chris. He spent more time outside with walking by a lake, hiking, or volunteering at a local men’s shelter.

A few days went by like that, in fear and in angst. The landlord called Chris back and told him that the woman could not move out because she had lots of belonging already in the apartment. Chris reiterated to the landlord that he could not live under the same roof with a minor. However, it seemed that because of him being in the sex offender registry the landlord did not have much opinion of him either. He wondered why the landlord bothered renting him a room in the first place! It was clear to him that he would have to move out, very soon. Chris did not want to go to a homeless shelter while he had already paid that month’s rent but he had no other choice.

While he was still in the apartment, he happened to see the woman and her daughter. It was evident that she lied about babysitting part and the little girl was her daughter. When he politely tried to ask her if she could move out, she threw a verbal assault on Chris and even threatened him that she would call police and tell them that he was harassing her, and even go as far as getting a protective custody against him. Chris was dumbfounded as he was always polite in his conversation and all that negativity was uncalled for. He did not want the situation to turn ugly. He felt very unfair because he had been living in the apartment for over a year and there came a new tenant and he had to move out.

The new tenant was unapproachable and the landlord was not helpful either. So with heavy heart, he left the apartment. To add insult to injury, the landlord refused to refund him the security deposit of a month’s rent since he could not give him a month’s notice in advance of him leaving. He tried to argue with the landlord that due to the adverse situation which he did not cause, he was compelled to break the lease. But his voice fell on the deaf ear of the landlord and the landlord told him to go to court if he wanted to claim the refund. So Chris was out of the apartment and was also cheated of his hard earned money. But who is with Chris when people see him as a registered sex offender?

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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.