The Basics of Tradesman Insurance

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

Tradesman Insurance

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

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

Public liability coverage

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

Personal accident coverage

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

Damage to someone else’s property

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

Contractual works

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

Tools and equipment

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

Commercial Vehicle Coverage

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

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

The Takeaway

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

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

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

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

How to Play

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

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

Results

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

Hand Payout

Royal Flush – 500/1

Straight Flush – 50/1

Four of a Kind – 15/1

Full House – 4/1

Flush – 3 /1

Straight – 1.5/1

3/Kind – 1/1

All Other – Push

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

Optional Wagers

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

Hand Payout

Royal Flush – 200/1

Straight Flush – 50/1

Four of a Kind – 30/1

Full House – 8/1

Flush – 7/1

Straight – 6/1

Three of a Kind – 4/1

Two Pair – 2/1

Pair of Aces – 1/1

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

Hand Payout

Straight Flush – 10,000/1

Four of a Kind – 5,000/1

Full House – 500/1

Flush – 200/1

Straight – 100/1

Three of a Kind – 35/1

Two Pair – 10/1

Pair of Aces – 9/1

House Edge and Strategy

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

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

WhatsApp, iMessage, and Snapchat Attacked Because of Their Encryption

You can not realistically ban encryption. Encryption is used to protect communication through electronic devices; it protects your bank information and online accounts. This is cryptography, it is used in hundreds of systems. We have politicians speaking about banning these technologies. How can this be? British Prime minister David Cameron has raised a red flag on encrypted messaging apps like WhatsApp, iMessage, and Snapchat. He has called for the banning of these apps; implying that they are being used by criminal organizations and terrorists to communicate.

“In our country, do we want to allow a means of communication between people which we cannot read?”, rhetorically said by the Prime Minister

With this sort of logic I am going to go as far as to say; we should leave our houses and cars unlocked; and valuables left unguarded in public spaces because surely it would be much simpler to catch thieves and put them in prison.

Security is not just for what the social norm calls the “good guys”. It is a two way street. I would rather have peace of mind that my data is being protected so well; to the point that Government officials can not tap into it. Think about the various ways this could go wrong. Imagine corrupt politicians with access to data or just consider that lightening up on security measures, will make it easier for the average hacker to gain access.

Computer scientists have spoken out on the futility of weakening encryption; so only Government officials have access.This same weaknesses can be exploited by malicious hackers. This view is held by many computer experts actively in the field.

A few months back a ban was called on WhatsApp in the UK; it has recently been dropped because of mass criticism. But this can of worms has not been closed just yet. This has just pushed the issue to other parts of the world; where they can theoretically gain some traction and spread. India has a ban on certain types of encryption. WhatsApp uses end to end encryption; which is illegal in India. WhatsApp uses a 256bit encryption which is only known by the sender and the receiver. India only allows 40bit encryption if you want to have permission you need to apply through the Government. The Indian Government has asked for the keys to be able to gain access; but WhatsApp creators have said they do not have them. So all user using the latest version of WhatsApp in India are technically breaking the law. No actions have been decided on what to do with the company; they are not based in India making things complicated. Recently Brazilian authorities have been reported to have been reported to be collecting WhatsApp data with the hopes of fighting drug tracking. WhatsApp has been cooperating with law enforcement; but have gone on to say that they cannot provide the full extent of what they want. We are just uncovering what’s on the surface; do some research on what your local Government and even internet service providers are doing; and what data they are doing with this data.

The Corruption Of Our Major Political Parties In The US

Why is it that every time we look at Washington DC we see questionable activities borderlining on corruption or outright illegality? Perhaps this is one thing that both sides of the aisle agree on – they seem to agree this is acceptable, it’s not. Let’s take these recent issues with email scandals. We have the DNC being hacked by a Romanian Hacker and Hillary Clinton’s illegal private email server with official State Department correspondence on it, some of it Top Secret but all of it, none of anyone else’s business especially foreign entities and spies.

There was an interesting article in Homeland Security News; “Democrats brace for more e-mail leaks,” posted on July 26, 2016. The article stated:

“The FBI on Monday said the agency is investigating the hacks of the DNC computer networks. Democrats are worried that the Russian government hackers behind the DNC hacks may have gotten their hands on other politically embarrassing e-mails and documents, and the hackers would release these e-mails and documents between now and November in an effort to increase Trump’s chances of winning in November. Julian Assange, the founder of WikiLeaks and its current top editor, who said that the release [of the DNC e-mails] on Friday was the first in a series.”

Basically, the emails that caused the DNC Chairwoman to resign are the tip-of-the-iceberg. Just as what was revealed from Hillary Clinton’s private email server turned out to be much more than she admitted when interviewed hundreds of times on the subject. If the DNC is corrupt and worked to undermine one of its own candidates in the primary process for another one, they’ve dishonored every democrat voter in America, and therefore they need to get their house in order and should probably sit out the rest of this election until they de-corrupt their activities and change-out their leadership. Free and Fair elections are crucial for a free society, but half of our electorate has been snookered and lied to.

If more emails do come out which show collusion which WikiLeaks notes is the case, then there could be another reason for a potential indictment of Hillary Clinton, even if she has temporarily dodged the first one with her misuse of classified material on her illegal server circumventing the State Department’s protocol. It hardly matters who hacked the emails in either case at the time, the question now is what information were in those emails, and what will they reveal about just how bad our political process has gotten and just how corrupt our leadership at the highest levels really is. Think on that.