4 Reasons People Love Mexican Food

There are many reasons people around the world are craving Mexican food. There are now thousands of Mexican restaurants and food chains operating in the U.S. Other than it’s unique and rich More »

Harnessing the Bitterness of Beer with Hops

 Not all beers are created equal. The main difference is usually in the formula that translates to the bitterness of the beer. Hops bring the bitterness and aroma into the beer. Galaxy hops are among More »

Australian Supermarkets Use Healthier Food as Business Leverage

Whether it’s a deli counter with display dishes that show healthier options or simply marketing superfood choices, supermarkets in Australia are using a new tactic to win over health-conscious customers. A report showed that more More »

Please Your Customers and Keep Them Coming Back

Customers always look for a reason to come back to a certain establishment. Whatever type of business you have, your survival would simply boil down to pleasing the customers and creating a good More »

4 Health Lessons from Asian Diets

South Korean women are going to outlive everyone. This is based on a recent study, which predicted that women from South Korea will have a life expectancy of 90.8 years old by More »

 
sick dog in the couch

Can I Get Compensation for the Injury or Death of My Pet?

sick dog in the couchIn the event that your beloved pet gets killed or injured because of another individual’s negligent actions, you can file a claim to get compensation for your losses. To start, request that your veterinarian document all the treatments and findings related to your pet. Likewise, obtain copies of everything so that you can crunch the numbers. With help from your attorney, determine how much compensation is fair under the circumstances.

Who Can I Hold Liable for My Pet’s Injury or Death?

You can hold any individual who deliberately acts to hurt or kill your precious pet responsible for the accident. For instance, a driver who ran a stop sign and then ran over your dog while you were crossing the street with him. However, this won’t apply to cases in which the individual did what he did to protect himself because your pet was attacking him. The same goes for a farmer who shot your pet to prevent it from attacking his livestock.

What If You’re Partly to Blame for the Accident?

If the accident is partly your fault, then the amount you can potentially recover will depend on the state where you reside. For example, some states follow the legal principle of contributory negligence, which states that if your negligence contributed to your pet’s accident in any way, you won’t be able to recover anything. Other states, on the other hand, follow the comparative negligence rule: how much you can recover will depend on the level or degree of negligence the court might assign to you.

The majority of states, however, like Montana and Utah, follow the modified comparative negligence rule, which states that you can’t recover anything if the court finds that you were more liable for the incident than the defendant. This means that your personal injury attorney will have to try and reduce the percentage of negligence that can be attributed to you.

How Much Is My Claim Worth?

injured catFor most pet owners, it’s not really about the money because no amount can really ever compensate for the injuries or death of a pet. However, generally speaking, common damages include:

  • The pet’s market value or cost to replace it. In cases where the pet dies, this is typically the most common type of damage.
  • Compensation for veterinary treatment. The court will evaluate the pet’s health history and treatment record prior to and after the accident, as well as the specific injury to determine what’s reasonable.
  • The pet’s value to you, which can be determined by various factors such as the length and quality of your relationship and the kind of animal, among others.
  • Emotional distress.
  • Punitive damages in the event that the defendant acted maliciously to kill or maim your pet.

Although you can obtain compensation for the death or injuries of your pet, laws differ from one state to another and might also differ from one county to another. Additionally, the majority of states don’t really have specific statutes pertaining to how much a pet owner can recover. With that said, get an experienced attorney to assess your claim and go from there.

runner having pain in the knee

How to Care for a Loved One with Osteoarthritis of the Knee

runner having pain in the kneeOne of the hardest conditions to live with is severe knee osteoarthritis as it makes it difficult for the patient to do daily activities like climbing stairs or sitting down. What is worse is that there is a 45% lifetime risk of developing knee osteoarthritis. If your loved one or someone you know is currently living with severe knee osteoarthritis, you can do something to help them cope with the condition. It may be challenging on your part, but your patience and unending support can go a long way to help them live a somehow normal life despite the chronic pain.

Completely understand their condition

The first thing you have to do is to understand their condition. Someone with severe knee osteoarthritis finds it hard to walk, stand too long, and navigate stairs. It’s also challenging to sit and get back up from a chair. Understanding their limitations will help you become proactive and plan ahead on how you can help them.

Know when to help and when to stand back

According to Brett Sears, a physical therapist, most people with arthritis want to remain as independent as possible. It’s tempting to help out with tasks like walking, going to bed, or reaching for a glass in the cupboard, but you also have to give your loved one the chance to as functionally independent as possible. Don’t be worried that they might hurt themselves because they will ask for assistance when they need it.

Assist with daily exercise

woman assisting an old lady in exercisingIt’s scientifically proven that arthritic patients who exercise have less pain, so getting daily exercise is crucial for your loved ones. In contrast to the fear of many that exercise will worsen knee pain and stiffness, exercise is actually the most effective non-drug treatment for reducing arthritic pain. Before you help your loved one with any exercise, make sure that you have the go signal from their doctor. Physical therapists will also suggest exercise regimens. The main challenge for you here is to encourage your loved one to keep exercising despite the pain they feel. Keep assuring them that it will help in the long term and gently assist throughout the exercise.

Provide them with lift chairs

Sitting down and getting back up is particularly hard for patients with knee arthritis. One device that can help is a lift chair. A lift chair is a motorized device that helps lower a person into a seated position or boost into a standing position. This way, sitting and getting up won’t be as hard for your loved one. There are many vendors selling lift chairs in Utah, but be sure to look for ones that offer high-quality lift chairs, like those westernstairlifts.com may show you. You should also look if your loved one’s lift chair is eligible to be covered by Medicare.

Despite the challenges that may come with assisting a knee osteoarthritic patient, the fact that you’re reading this means that you care enough to be there for your loved one. With patience, understanding, and the right knowledge, you can help nurse your loved one back to health.

money and gavel

Debunking 5 Bail Bond Misconceptions

money and gavelMaybe you have not heard about bail bonds, or maybe the only way you can learn about them is watching movies and television. For other people, they learn about bail bonds in Raleigh, North Carolina through personal experience. Unfortunately, the bail bond sector is often misunderstood, with a lot of negativity toward the issue.

Still, most of these misconceptions have adverse effects in the long run. People often go through the process with the wrong information or avoid it due to these myths. As such, they do not get the most out of a bail bond agency or the bail bond process. It is time people learn the truth, rather than believe the misconceptions.

Bondsmen accept only cash

Cash is a payment option when paying for a bond. However, you should get over the myth that bail bond agencies accept only cash payments. Bondsmen also accept other forms of payment as long as you discuss with them. The agencies accept forms of collateral, such as electronics and cars.

Bail amounts can be negotiated

Unfortunately, some people have fallen prey to this myth. In reality, you cannot negotiate the bail amount that has been set by the judge. A bondsman can only help you or your loved one to get out of jail by paying the bail amount, but not negotiating the bail amount. The amount is usually based on what you have been charged with based on the state laws.

A bondsman can get anyone out of jail

lawyer and accused infront of judgeIn reality, a bail bond company or agency cannot get anyone out of jail. The judge decides people who can get out of jail on bond. Sometimes bail is not an option based on the charges and the state laws. A bail bond agency comes in only to enable the bail so that you or your loved one is released from custody.

You are now free of legal obligations

Unfortunately, several people have believed in this myth. The truth is that you are not entirely free of legal liability when the bail is posted. You still have legal responsibilities to meet even if you are out of custody. You should be aware of the court dates and make sure that you attend court hearings to avoid legal implications such as finding yourself behind bars once more.

Fees to bondsmen are refunded

The bail amount is usually refunded after attending all your court dates if you pay the amount on your own. Unfortunately, many people have a misconception that bail bond agencies should also refund the full amount. In reality, you must appear for all court dates to get a refund of a specific amount after the court has refunded the payments made by the bondsman for your bail. You should pay the bondsman the money back if you fail to attend court dates.It is crucial to understand the rules that are true and false so that you can go through the bail bond process better than before. You should not let the myths mentioned above deter or discourage you from navigating the bail bond process. You can now contact a bondsman without the fear of falling into these myths.

Container ship

Choosing Marine Policy Providers: Why Being Deliberate Matters

Container ship

Ask anyone that has been in the marine industry for a long time, and they will tell you that you can never adequately prepare for most of the maritime disputes. On the other hand, you can learn from weather forecasts when and where typhoons, cyclones and hurricanes are likely to hit. For that, you can reschedule plans to or reroute your ships.

Either way, your shipping business is always at risk of financial loss. Moreover, following up claims can be costlier even than the claims. So, what’s the solution here? Marine policies.

But, where and from whom do you get the right maritime policy to cover these risks, or better yet, an all-risks marine policy? You will require looking further than your local listings to find a marine policy provider that will best cover your shipping investment. More importantly, if you are hiring shipping vessels, it is best if your policy provider offers a charterers’ liability cover. So, where should you be looking? Here is a concise guide of three of the top qualities to check:

Reach of the company

Shipping is hardly a regional industry. Typically, that is because your ships and cargo might require crossing different territorial seas before they reach their destination. Also, world events such as natural catastrophes, political tussles, economic instability, and military coups, can affect your shipping services. So, considering the reach of your shipping business, it is best that you choose an international marine policy provider. With that, you are confident that each of their policies covers global as well as local and regional marine issues.

Reputable

How reputable is the company from which you plan to take your marine policies? How well do they rate in timeliness and professionalism? You want a marine policy provider that is always available to address any issue with your shipping business. Any wasted minute could mean a lost client or business opportunity or a forfeited claim. It is imperative that your policy provider handles every concern that you raise with the highest degree of professionalism. That should include, following industry requirements and understanding your needs.

Dedicated

Men standing on dock

You can tell whether or not you are dealing with a dedicated policy provider from how they commit to offering quality services. They avail detailed information about the different policies for both shipowners and charterers. That also includes the liability that each policy covers. Moreover, they invest in follow-ups to ensure that you follow the right procedures not to forfeit your policies. It is never about them but how best your shipping business can be a success.

Additionally, they are more than willing to have you engaging them so that they can tailor their services and packages to your needs. And, they have a well-trained team with vast experience to nib all sorts of unforeseeable maritime insurance issues before they arise.

It is not enough to get a maritime insurance cover. You want a surety that you will get full compensation from any risk that your marine business will face. Choosing the right marine policy provider can make a whole lot of difference in how much you get from these claims. So, be deliberate!

Exploring the Cognitive Effects of Traumatic Brain Injuries

Brain Injury

There are two categories of brain injuries: traumatic and non-traumatic. Non-traumatic brain injury generally happens in medical malpractice cases where the wrong medication or treatment is administered.

Claims for traumatic brain injuries are the most common in personal injury cases. These injuries commonly follow crashes and falls but also happen even in seemingly minor trauma. Unfortunately, the effects of traumatic brain injury might not be immediately evident.

Getting compensated for an injury caused by someone else’s fault without the expertise of a brain injury attorney in Los Angeles is not easy. This is because in most cases, your claim might be time-barred. Most states have a one- or two-year time limit for the filing of any personal injury case. This is meant to minimize malicious claims and preserve the evidence of your injury.

When injured in any manner after someone’s negligence, there are different cognitive effects which might be evident over time. Should you notice any of them, you should get medical help and start legal proceedings. The following are some of these cognitive effects of brain injury:

Memory Issues

headache

Issues with your working and short term memory are common after traumatic brain injury and will resolve in most people after a short period. In a few cases, however, the affected individual will have to re-learn some of the skills he/she could comfortably handle since the brain is damaged and needs to re-organize new information. Even if you experience even the slightest change in your memory, however, you should get medical and legal assistance.

Language Loss

This is medically called aphasia. It is manifested as the complete loss of expressive and indicative language. Language loss comes in different levels of severity depending on the affected part of your brain. In most cases, language loss is highly frustrating for both the patient and loved ones and requires constant repetition of words and phrases to re-master.

Impaired Visual Perception Skills

Visual perception skills center on the making of sense from ordinary shapes and pictures. Though some people might retain their hand control and vision, they might only be able to see from the right or left side of their field of view. Impaired visual perception skills will significantly affect the safety of the person since they can only see one side of their plates, the roads, and other elements.

Reduced Information Processing

After an injury to the brain, it might be a challenge for someone to process information. As such, they will generally have an ‘information overload.’ Because of the reduced processing of information in the affected person’s brain, most people will be constantly angry and frustrated.

Some people might ignore the above-mentioned cognitive effects of a brain injury. They might assume that with time, their symptoms will resolve themselves. Unfortunately, by the time they take notice and seek medical attention, their symptoms may have significantly affected other body systems.

As such, there is very little that can be done to improve their quality of life. Irrespective of your evident level of injury, always get medical attention after any injuries caused by someone’s negligence. Moreover, contact a personal injury lawyer to get your case started and guarantees yourself to get fairly compensated.

Catering food service

Four Basic Catering Equipment That Can Ensure Your Success

Catering food service

So you have finally decided to pursue your passion for cooking. While it sounds like a great idea, you will soon realise just how much effort you need to put into it to ensure that your catering business will be a success. On top of the pieces of equipment you need to invest in, you also need to consider the maintenance and repairs of your catering equipment.

Before you dive into the unknown, here are some of the things that you will likely need as soon as you start your business.

1. Basic Kitchen Tools

Before you even begin to canvass a few larger pieces of equipment, you first need to learn and understand the necessary tools in catering. For example, depending on the kind of dishes that you will be cooking, you need variations of knives to prepare each meal.

Also, you need to have a complete selection of other utensils within your reach. It is best to prepare all the knives, roasting pans and other pieces of equipment that you might need for cooking.

2. Table Settings

If you are planning to start from the basics, you will need to have bread, salad and dinner plates for a full-course meal. But if you are serving other dishes such as soup, then it is best to prepare a few soup bowls as well. You should also prepare a few wine glasses.

Also, it is an eyesore if you will place everything on a bare table. So do not forget to decorate it with beautiful tablecloths, napkins and centrepieces to complete the look. Meanwhile, do not forget to include a few basic condiments such as salt and pepper and place them in beautiful containers.

3. Buffet Equipment

Buffet catering equipments

You will need to have the same serving equipment if you are serving a buffet. However, you need to have decent extra pairs of hands to accommodate the long line of the hungry crowd. Moreover, a buffet setting has higher chances of things accidentally breaking, which can affect your revenue.

That is why you need to be smart enough when handling your buffet equipment. Prepare the tongs and large spoons for serving a few of your meals. Meanwhile, get a cutting board ready for meats that require cutting, like turkey, roast beef or lamb.

4. Beverage Station

Another must-have in most catering services is the coffee or beverage station. Depending on what you are serving, you need to prepare a few dozens of cups or glasses near the beverage station. You can also place a few selections of teas and cocoa to give them options. To keep everything in order, set up a wastebasket near your guests or toss the little trash immediately to make the cleanup a lot easier.

Running a catering business is not a walk in the park. You need to be prepared for everything that might happen, including a few unexpected repairs now and then. You should always find a supplier who can help you source new catering equipment at an affordable rate.

ashworthpublishing.com

Primary Elements of an Adjustable Rate Mortgage

Man showing the house keyDuring your home buying journey, you will come across several types of home loans. Most people base their choice of a mortgage on what has worked for their friends and families in the past.

Mortgages are highly personalized loans and what works for one person might not work for another irrespective of the similarity in your finances and lifestyles. The two primary home loan categories available are adjustable or variable and fixed-rate mortgages.

The mortgage rates advanced by Guildford’s many lenders for an adjustable rate mortgage (ARM) alter over a loan’s lifetime depending on market conditions. There is a fixed rate period initially which can be one, three or five years after which the rate changes.

The initial rate your lender will charge is generally lower than that advanced for a fixed rate mortgage, and most people base their choice of an ARM on this. You should however asses all the elements of an ARM in totality to make a clear decision on whether or not this option will work for you.

The following are the primary elements of an ARM which should influence your choice.

Index

ARMs are tied to a particular index. This index will determine the behavior of your loan’s interest rate after the initial fixed rate period has expired. There are three indices generally used for ARMs including London Inter Bank Offering Rate (LIBOR), the prime rate, and the one-year Treasury rate.

The LIBOR is the most commonly used index since it allows the selling of mortgages on an international market. The prime rate index is generally used for HELOCs which allow you to draw on your home’s equity after some time.

Margin

Person giving bundles of cashYour lender will add particular percentage points to your loan’s index to determine your margin. This is the lender’s cost of business operations and their profits.

This margin is determined by a lender but generally range from 2–3.5% and is defined in your loan’s terms. It remains constant throughout your mortgage’s lifetime.

Cap or Limit

A cap is placed on how high an interest your lender can charge on your loan. This is an industry regulation to minimize the risk of a lender abusing an ARM by charging exorbitant rates.

The lifetime ARM cap, for instance, can be specified in your terms as a percentage of your overall indexed rate or as a stated number. Either way, you can plan your repayments around the cap rate since this is the highest interest rate which your lender can charge over your loan’s term.

Frequency of Adjustment

Your rate can be adjusted annually, bi-annually or after every two, three, five or seven years in an ARM. In general, your fixed period rates will be lower if you opt for a short adjustment period and vice versa. This is because your lender is cushioned from long-term losses in low rates from the frequent rate adjustment.

Some people shun ARMs because of the misinformation in various circles. If however you pay attention to and pick the best terms for the elements mentioned here, an ARM repayment will be hassle-free.

You will also take advantage of low repayments over certain periods and benefit from the flexibility and zero prepayment penalty an ARM offers.

Why Choose Refurbished Cubicles for New Businesses

Employees relaxing

Small and new businesses are always looking for ways to cut costs, especially if they are still in the startup phase. One of the ways they can effectively save on capital is by choosing refurbished or used office furniture to install in the new office. This is a practice that even large companies do for their economic and ecological advantages. In Salt Lake City, Utah, physical offices can be set up with used office cubicles and other stylish dividers.

Refurbished cubicles have no visible differences compared to brand-new fabricated ones. Of course, new ones will cost more and take a few days to make. With refurbished ones, office staff can enjoy the functionality and professional look of a workstation using pre-owned components that are effectively reinforced and renovated according to the current office layout. However, if your company can afford to invest in brand-new office decor and equipment, you can get new cubicles so that you can customize the color, height, and even thickness of the dividers.

Why Do You Need Cubicles in the Office?

Depending on the nature of their work and their own personality, employees prefer different types of work environments. Installing cubicles in the office helps employees focus better on their work. The cubicle offers a comfortable and private working environment. This also lessens the probability of office gossip and getting distracted with what others are doing at their own desks. Some jobs require a high degree of concentration, so it is best to provide these individuals with some privacy in their workstations.

The Cheaper and More Flexible Alternative

Business situation

Refurbished cubicles look like almost new workstations, and they can be purchased from office furniture suppliers in the community or from online shops. The best thing about this is that they cost just a fraction of brand-new ones. Small businesses can enjoy completely customizable cubicles for their start-up businesses with this cheaper alternative. There are various styles, sizes, and designs that business owners can choose from. Depending on the space and workstation for workers and managers, business owners can pick the colors and designs and have them fitted to the new office space.

Business owners also appreciate the flexibility offered of choosing refurbished cubicles and furnishings for their offices. Over time, the business will grow, and the possibility of hiring new people will be realized. Additional office staff means that there is a need to redesign or adjust the current layout. With the availability of used office furniture and refurbished cubicles, new and small companies can easily create appropriate and comfortable workstations for all their staff.

There are no questions about the quality and make of used pieces of furniture because they are usually made by known quality brands and top-quality materials. Aside from getting great quality products, you, as the business owner, will be happy to know that you have made a sustainable choice when furnishing the office space. This is also one of the best ways that businesses and companies can go green and save money without losing the aesthetic appeal and functionality of their office spaces.

Pliers with electrical cables and cable ties

Ways to Build a Good Relationship with Cable Suppliers

Pliers with electrical cables and cable tiesEstablishing a relationship with suppliers is key to the success of any enterprise. It is vital to build and maintain a healthy relationship with distributors and suppliers for unmatched success. For instance, your relationship with cable suppliers in Singapore is crucial and a significant contributor to your overall success.

Your project is unlikely to succeed without a cable supplier, and that may result in loss of a lot of profit. Of course, every business is out there to make a profit, and its chances of thriving are insignificant if it doesn’t have customers. As such, it might be crucial to keep your suppliers involved and strengthen your relationship with them to experience growth.

Maintain Open Communication

Of course, personal and open communication is necessary for any relationship with cable distributors. Cable distributors want assurance that their clients will allow them to voice their concerns. Likewise, entrepreneurs should keep them informed of any development or change in their relationship.

Participate in Meetings

One way to support cable suppliers is to attend their meetings. That will not only keep you informed about their operations but also show them how caring you are and keep you involved. Attending their meetings will also allow you to take an active role in their inner workings and give you the chance to raise your opinion.

technician installing cables

Attend their Events

One way to establish a healthy relationship with your suppliers is to attend their sponsored events. Events are an excellent networking opportunity that you can use to show your support for the business of your distributors. Besides strengthening your relationship with cable suppliers, use these events to meet other business people and build a relationship with them.

Meet Suppliers Face to Face

It is vital to sometimes meet with your cable distributors in person. Although email and calls are reliable and efficient communication avenues, you shouldn’t rely on them solely. Instead, schedule time to meet your cable suppliers in person. Use that as an opportunity to discuss things that are not possible over the phone or via email.

Consider Your Cultural Differences

It makes sense to work with distributors from any part of the world in today’s increasingly globalised market. However, you might need to research beforehand to find what to expect when you’re working with a supplier from a different cultural background. Over time, working with global suppliers have become a standard practice in today’s globalised world. However, entrepreneurs have to take time to solidify their relationship and build rapport with their cable suppliers. For example, an entrepreneur might have to build a personal relationship before working with a Chinese cable supplier.

A healthy relationship with cable distributors comes with a lot of benefits and taking time to know each other can make everyone live an enjoyable life. It is easy to solve any conflict and navigate disagreements with a healthy relationship with your cable distributors. It also gives you negotiation power, and as the relationship grows, you can strike a better deal. As such, it is in your best interest to strengthen your relationship with cable suppliers and capitalise on it to find other lucrative contracts.

Salad Dish

Must-Do’s When Putting Up a Salad Restaurant

Salad Restaurant

Want to open a salad restaurant? That would be a good idea, considering that more people are becoming health-conscious these days. You may opt to put up your own place or go for a food franchise — either way, your business has a great potential to be a hit.

What are the things that you should consider when putting up a salad restaurant, or really, any health food franchise?

Know Your Market

As you know, not all people like salads. And not all salad lovers may want to consume what you offer. For this, you need to be in the know of specific products that cater to the needs of specific consumers. Want to make salads to be sold in food trucks? How about those that are perfect for customers on weight loss programs?

Keep Up With Your Competition

The competition is tough in almost every industry. For this, it is important to check your competitors and make sure to keep up with them. Do your research and make a list of important comparisons; for instance, why your products are better than theirs or why some of their products are doing great in the market.

Go for Menu Diversity

restaurant

Sure, you need to have a theme. But it is likewise important to offer other types of food like wraps, sandwiches, and other dishes. By doing this, you draw the attention of more potential customers. One customer may come to your restaurants for salads, but his friends and family may enjoy other dishes that you offer.

Make Food Safety Your Top Priority

You may have the best marketing strategies, but none of them will be enough if you fail to maintain your food’s safety. As a responsible restaurant owner, make sure to educate yourself and your staff regarding food safety. Publish sanitation guidelines and always look for updated information on product safety concerns.

Choose the Right Location

Check your potential areas during day and night to know how many customers might enter your store on specific time and days. Doing so contributes a lot to attract prospective customers. Once you have chosen an area, check if it is eligible for preparing and serving food.

Choose the Best Supplier

Look for reputable fresh produce suppliers and pick the one whose products and services match your needs. You may also want to opt for multiple produce wholesalers, for doing so will help you prevent supply chain disruptions.

Buy the Right Service Pieces

Putting up a salad restaurant requires enough knowledge of various service pieces. Know the right ones for each type of salad and make sure to stock your restaurant with lots of them. This also applies to every service accessory that you plan to use.

There you have it — the things you should know and do when putting up a salad restaurant. You’ve got a lot of tasks to accomplish, so you better start making your list and getting things done. With enough knowledge and the right people to help you, your business will surely succeed.