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Shops that require protection for high risk goods held on the premises will usually need to declare the total values of each stock item. High risk shop stock and goods are those that attract thieves and are expensive to replace. Examples of high risk stock items are electronic equipment, cigarettes, and tobacco, designer clothing, computers and digital equipment, software, computer games and consoles, drugs pharmacy and medicines, watches and jewellery, mobile phones and radios, photographic equipment, power tools, TVs, DVDs, CDs and Wines and Spirits.
If your shop has high risk stock you can reduce the cost of your premiums by having adequate security in place. This includes an insurance company approved burglar and fire alarm, window grills, shutters and bars, CCTV and sprinklers. Many shop insurers will only offer stock cover if the minimum levels of security are in place for all shops, regardless of the stock contents held. A lot of insurers may offer further large discounts to the premium if the shop owner lives on or above the premises and is there at night.
Shops by their very nature deal with members of the public and a good insurance policy will usually contain liability cover as standard. This should include Public Liability of up to ?2,000,000 for any one claim by a member of the public who may suffer loss or injury visiting the shop.
If you employ staff all policies will offer Employers Liability cover of up to ?10,000,000 one event and because shops sell goods and services, Products Liability cover of ?2,000,000 for any one period of insurance.
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Trying To Find The Best Diet Pill?
Trying to find the best diet pill may seem like an impossible task, especially with the multitude of diet pills available for purchase. Many people purchase a diet pill only to find out that the pill makes them feel jittery, nervous, or often has no effect at all.
Diet pills frequently contain the same or similar combination of ingredients and rarely contain anything new, innovative, or undiscovered to the supplement / weight loss industry. So, how can you find the best diet pill when most diet pills are made with similar ingredients?
One of the most common problems ***ociated with taking diet pills is that the person taking the diet pill is uneducated about the dosage, effects, and promises offered as they relate to each diet pill. The research at website finds that there are three factors that should be taken into consideration when deciding to take a diet pill.
It is important to take the pill exactly as recommended on the product label. Some people choose to increase the dosage thinking that the product will work faster or better. This is not the case, and many people become sick in response to the large dose. Reviewers at website often suggest that the recommended dosage be cut in half to give the body time to adjust to the stimulant in the diet pill. After the body has adjusted, it is fine to begin taking the regular dosage as recommended on the product label.
The effects listed on the product label are there because these are the effects that the product has had on 'some' of the test group. Some of the diet pill testers may be fine taking the product, while others may have adverse effects. The diet pill companies print this information to educate the buyer as well as to protect themselves from lawsuits. The consumer needs to read the label and educate themselves before taking the product. Many people who are sensitive to caffeine are surprised when the diet pill makes them feel nervous or nauseous, but this information is likely printed on the product, so with a little research these affects can be avoided.
If you read the fine print on product claims for diet pills and other weight loss supplements, you will see 'results not typical' printed very small somewhere where you are not expected to look. The diet pills advertised on television are responsible for some of the most outlandish claims. The results claimed in these advertisements are often unattainable within the given amount of time outlined in the ad. Don't expect to see results in two weeks like a lot of ads claim.
Wouldn't it be great if you could read reviews for diet pills from actual users of each diet pill? Diet Pill Reviews website has taken the trouble out of searching for the best diet pill. You can read reviews of over 150 of the most popular diet pills available.
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Why are Americans so worked up about health care reform? Statements such as "don't touch my Medicare" or "everyone should have access to state of the art health care irrespective of cost" are in my opinion uninformed and visceral responses that indicate a poor understanding of our health care system's history, its current and future resources and the funding challenges that America faces going forward. While we all wonder how the health care system has reached what some refer to as a crisis stage. Let's try to take some of the emotion out of the debate by briefly examining how health care in this country emerged and how that has formed our thinking and culture about health care. With that as a foundation let's look at the pros and cons of the Obama administration health care reform proposals and let's look at the concepts put forth by the Republicans?
Access to state of the art health care services is something we can all agree would be a good thing for this country. Experiencing a serious illness is one of life's major challenges and to face it without the means to pay for it is positively frightening. But as we shall see, once we know the facts, we will find that achieving this goal will not be easy without our individual contribution.
These are the themes I will touch on to try to make some sense out of what is happening to American health care and the steps we can personally take to make things better.
A recent history of American health care - what has driven the costs so high?
Key elements of the Obama health care plan
The Republican view of health care - free market competition
Universal access to state of the art health care - a worthy goal but not easy to achieve
what can we do?
First, let's get a little historical perspective on American health care. This is not intended to be an exhausted look into that history but it will give us an appreciation of how the health care system and our expectations for it developed. What drove costs higher and higher?
To begin, let's turn to the American civil war. In that war, dated tactics and the carnage inflicted by modern weapons of the era combined to cause ghastly results. Not generally known is that most of the deaths on both sides of that war were not the result of actual combat but to what happened after a battlefield wound was inflicted. To begin with, evacuation of the wounded moved at a snail's pace and this caused severe delays in treating the wounded. Secondly, many wounds were subjected to wound care, related surgeries and/or amputations of the affected limbs and this often resulted in the onset of m***ive infection. So you might survive a battle wound only to die at the hands of medical care providers who although well-intentioned, their interventions were often quite lethal. High death tolls can also be ascribed to everyday sicknesses and diseases in a time when no antibiotics existed. In total something like 600,000 deaths occurred from all causes, over 2% of the U.S. population at the time!
Let's skip to the first half of the 20th century for some additional perspective and to bring us up to more modern times. After the civil war there were steady improvements in American medicine in both the understanding and treatment of certain diseases, new surgical techniques and in physician education and training. But for the most part the best that doctors could offer their patients was a "wait and see" approach. Medicine could handle bone fractures and increasingly attempt risky surgeries (now largely performed in sterile surgical environments) but medicines were not yet available to handle serious illnesses. The majority of deaths remained the result of untreatable conditions such as tuberculosis, pneumonia, scarlet fever and measles and/or related complications. Doctors were increasingly aware of heart and vascular conditions, and cancer but they had almost nothing with which to treat these conditions.
This very basic review of American medical history helps us to understand that until quite recently (around the 1950's) we had virtually no technologies with which to treat serious or even minor ailments. Here is a critical point we need to understand; "nothing to treat you with means that visits to the doctor if at all were relegated to emergencies so in such a scenario costs are curtailed. The simple fact is that there was little for doctors to offer and therefore virtually nothing to drive health care spending. A second factor holding down costs was that medical treatments that were provided were paid for out-of-pocket, meaning by way of an individuals personal resources. There was no such thing as health insurance and certainly not health insurance paid by an employer. Except for the very destitute who were lucky to find their way into a charity hospital, health care costs were the responsibility of the individual.
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