Wednesday, November 11, 2009

Designer Insurance - Risk Management For Creative Minds | ArticlesBase.com

<p>The innovations of designers have transformed the lives of millions of people. Take some of Britain's most iconic designs. The Spitfire, Concorde, Red Telephone Boxes, The Mini &amp; The World Wide Web. All rank amongst the most original, symbolic &amp; influential designs ever made.<br /><br /> Designers are people who desire to create. Their work takes into consideration not only how something will look, but also how it will be used &amp; how it will be made-from the clothes that we wear, to the cars we drive, the websites we use, the office space we inhibit, and the publications we read. They produce a visual language that help companies sell products, create demand inspire confidence and increase profits. <br /><br /> As creative people with entrepreneurial minds, many designers work independently as self-employed consultants. Such work can be hugely challenging &amp; rewarding, but in today's litigious society it is not without risk. <br /><br /> <strong>A Legal Duty Of Care</strong> <br /><br /> As 'professional's' design consultants owe their clients a legal duty of care. If that duty of care is breached, by making a mistake for example, a client can claim compensation for damages caused by negligence. With litigation escalating, client's, whether individual's or corporations are more likely to seek compensation than ever before. <br /><br /> For example, a Graphic Designer could be sued for breach of copyright, printer error &amp; consumer loss. A Website Designer could be sued for loss of data or developing a site with poor useability. These are everyday claims scenario's that Designers need to guard against. The time &amp; money required to defend such claims could easily bring one's business crashing down. <br /><br /> <strong>Designer Insurance - The Role Of Professional Indemnity Insurance</strong> <br /><br /> Professional Indemnity Insurance is designed to cover 'Professional's' in the event they are sued by third parties who claim that they have suffered financial loss as a result of negligent actions. It provides protection (up to the policy limit) against having to pay damages and legal costs. Even if the policy holder has done nothing wrong, but a client alleges negligence on their part, the policy will still pay defence costs. <br /><br /> Professional Indemnity cover includes; negligence, breach of copyright, breach of confidentiality, libel &amp; slander &amp; loss of data &amp; documents. With Designer insurance premiums starting from as little as £150 per annum its a useful risk management tool to safeguard one's business against unexpected incidents.<br /><br /> Specialist policies are available from UK brokers that cover a multiple of activities, website designers, interior designers, graphic designers etc - all a Designer has to do is decide what level of cover is right for their business.</p> <p>Article Resource:-</p> <p><a target="_blank" href="http://www.coulsonpritchard.com/articles/designer-insurance.asp" rel="nofollow">http://www.coulsonpritchard.com/articles/designer-insurance.asp</a></p> <p>know more about Professional Indemnity Insurance:-</p> <p><a href="http://www.freelanceinsure.co.uk" target="_blank" title="Professional Indemnity Insurance" rel="nofollow">Professional Indemnity Insurance</a>|<a href="http://www.coulsonpritchard.com/" target="_blank" title="PI Insurance" rel="nofollow">PI Insurance</a></p><strong>About the Author:</strong><br /><p>I am a content writer, and writing insurance articles for past 3 years.......</p>
Ammenda Michle

8 Great Habits of a Successful Freelancer

Having the freedom to work for yourself and being your own boss certainly has its benefits. Becoming a freelancer gives you the opportunity to work the hours you like, choose the projects you work on and choose the ways in which you work, too. But as a freelancer you also have just one person to depend on when you are trying to be successful - yourself! Here are eight rules the best freelancers follow to help them succeed:
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<br>1. Market Yourself
<br>Not everyone likes to do it, but as a freelancer, you'll need to be prepared to constantly market yourself. If you want business to come your way, you'll have to go out and find it. This means calling or emailing people, attending events associated with your field, advertising if possible, networking and even hosting your own meetings with potential clients - one-to-one or in a larger group.
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<br>2. Be Persistent
<br>Be prepared to handle rejection, but also be prepared to persist when you feel there is still a window of opportunity. If you don't get a response to your email or voicemail message, contact the person again until you get a response. If a client says they are not interested in your current work, call them again when you have something more suitable to show them. Try not to be annoying, but do all that you can to remind people about who you are and what you have to offer them.
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<br>3. Be Professional
<br>Set a high standard of professionalism for yourself and your freelancing business. Meet deadlines, deliver what you promise, always be polite, have a standard of quality to your work and don't slack in any areas. This is always something that clients look for in their freelancers.
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<br>4. Follow Up
<br>Take the time to follow up communication with your client after completing a piece of work. Thank them for their business and ask them what they thought about your work - both what they liked or felt could have been better. Feedback is always invaluable when a person is looking to continually improve. At the same time, by maintaining your communication with clients, you might ask if there are any future projects they could have for you or suggest they keep you in mind if some come up.
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<br>5. Build Your Reputation
<br>Although all the above points contribute to this field, it is important to recognize the need to have a long-term strategy of building up your reputation. By being consistent with your quality of work and the manner in which you handle your clients and their needs, you'll develop a good reputation, i.e., for being dependable, punctual, professional and delivering a high quality of work. This means clients will be persuaded to use you again and recommend you to other potential clients, too.
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<br>6. Be Proactive and Creative
<br>When trying to gain more business, you'll need to be as proactive and as creative as you can. Never stop looking for more ways to generate new business even when you are already working on projects. Put yourself out there and approach everyone you can think of who could potentially use your services - join forums, online and offline networking events, mention your work to friends and family, take every opportunity to hand out business cards, etc.
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<br>It helps if you can be creative with your marketing approaches, too. For example, if you are a writer and a national magazine rejects your story, try a different angle for a local newspaper. If that doesn't work, approach a website or popular e-zine. Sometimes, you might have to offer your services for free, e.g., speaking at an event or offering to write for a charity publication, before you can reap the rewards of having more business come your way.
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<br>7. Have a Niche
<br>Most freelancers who are successful have learnt to master and specialize in a niche of their field, e.g., a children's sites web designer or medical health writer. This helps you build up a reputation and client list in a chosen niche field and helps you stand out above freelancers who have less specialized knowledge.
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<br>8. Create a Website
<br>Today having a website is a necessity for all freelancers. Someone once described not having one as being like a person who has no phone in their office! A website will help show clients that you are credible and a professional. You can use it to show examples of your work, help brand yourself, help to sell you and your work, and direct clients to your contact details, thus helping you in your business networking efforts. It doesn't have to be elaborate or cost a fortune - even a simple website will help boost your credentials.
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<br>If you liked this article, tell all your friends about it. They'll thank you for it. If you have a blog or website, you can link to it or even post it to your own site (don't forget to mention www.meetingwave.com as the original source).
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<br>About the Author: Jonathan Boyd has written countless articles for Meeting Wave, a free website to <a href="http://www.meetingwave.com" rel="nofollow">meet people</a> offline, for social or business networking. Check out the MW blog at <a href="http://www.meetingwave.com/blog" rel="nofollow">www.meetingwave.com/blog</a>
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How to Cope With Chronic Fatigue Syndrome

Do you experience several of these symptoms…
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<br>• sore throat?
<br>• memory loss?
<br>• recurring headaches?
<br>• pain that seems to alternate from one joint to another?
<br>• pain in the muscles, as if you had the flu?
<br>• enlarged, tender nodes in the armpits and neck?
<br>• dry eyes?
<br>• sleep disorders?
<br>• ringing in the ears?
<br>• light sensitivity?
<br>• low body temperature, like you are freezing, even in the summer?
<br>• depression?
<br>• fatigue that doesn't go away after rest?
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<br>All of these are common Chronic Fatigue Syndrome symptoms. As you can see, the condition contemplates something more than just a persistent fatigue. A few more questions:
<br>• Are you in your 40s or 50s?
<br>• Are you a woman?
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<br>Women, especially in their 40s, are more prone to experiencing chronic fatigue syndrome (CFS) than men are. This condition forces a reduction in physical activity and may last several months or even years. It worsens with exercise. Because patients feel so exhausted, they become less active and frequently gain weight. In extreme cases, CFS patients experience an episode in which they can't move for a few minutes or hours due to lack of strength and then they panic.
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<br>Chronic Fatigue Treatment
<br>The causes of CFS are unknown and, therefore, there's no true chronic fatigue treatment available. The only hope for a patient who's been diagnosed CFS is symptomatic treatment and most people recover prior activity levels.
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<br>Usually, treatment relies on medication for sleep recovery and pain relief. Because the major problems in CFS relate to sleep deprivation, patients can use some over-the-counter products to get quality sleep. Vicks VapoRub, for example, when applied to the chest or throat, reduces congestion and, in turn, the patient has a better sleep.
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<br>Medications with paracetamol (Panadol, Anacin) or diphenhydramine HCl (an antihistamine with sedating properties, found in Tylenol Simple Sleep and Zolben, among others) help fight poor sleep quality as well.
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<br>For patients who suffer from headaches and other pains, Tylenol PM or Anacin Headache are better options, instead, because besides a sleeping aid ingredient they include acetaminophen, a pain reliever.
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<br>Other alternative treatments include exercise and psychological therapy.
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<br>Graded Exercise Therapy, for example, begins by finding out the point beyond which a patient's symptoms worsen with physical activity. After monitoring daily routines and determining the threshold point, a therapist designs a special exercise program.
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<br>As CFS patients often have mood swings and some experience depression, Cognitive Behavioral Therapy may be effective for the treatment of these symptoms.
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<br>If you happen to live in Ottawa, and you think you may be suffering from Chronic Fatigue Syndrome, it is highly recommended that you consult your local Ottawa chiropractor, someone who specializes in alternative treatments to this ailment.
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<br>If you liked this article, tell all your friends about it. They'll thank you for it. If you have a blog or website, you can link to it or even post it to your own site (don't forget to mention www.totalwellnesssolution.ca as the original source.)
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<br>About the Author: Dr. Carri A. Drzyzga is an <a href="http://www.totalwellnesssolution.ca" rel="nofollow">Ottawa chiropractor</a> and natural medicine practitioner who is devoted to helping people live longer, healthier lives. You will find great articles on wellness solutions in her blog at www.theoutsourcingcompany.com/totalwellness/blog
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