Author Archive: Hugh Reid

10 Important Facts About The Skin And Safe Cosmetics Translators Should Know

Here are ten facts everyone should know about the skin and how and why the skin should be treated daily with safe cosmetic products.

Fact: the skin is the largest organ of the body;
Fact: over 70% of what is placed on the skin manages to seep into the body and our bloodstreams;
Fact: women, on average, apply over 5 pounds of lotions and creams to their skin annually;
Fact: there are over 10,500 chemicals used to manufacture cosmetic products;
Fact: many of these ingredients are toxic (poisonous);
Fact: like tobacco, before regulation, no one currently knows the cumulative effect these toxic ingredients have on a person when used for decades;
Fact: some of these toxic ingredients have been directly linked to cancer, birth defects, respiratory problems, liver and kidney disease, and much more;
Fact: recent clinical studies on pregnant women have shown the same toxins at the same levels are in the bloodstreams of the fetuses and enter through the umbilical cord;
Fact: the European Union (EU) has banned over 1,100 toxic ingredients in the manufacture of safe cosmetic products;
Fact: the US has banned 10.

Now lets look at some of this intelligence in greater detail.

Much of what is placed on the skin is toxic and even though we know through scientific studies that 50% to 70% can and will be absorbed into the body, the Cosmetic Industry claims that small exposures to these toxic ingredients cause no harm. They actually say that it is safe to use toxic (poison) chemicals linked to cancer, infertility, birth defects, and other health problems, because the amount in each product is so small. The problem is twofold. No one uses just one product in a single day and no one knows the cumulative effect when these toxic ingredients have been used for decades. Just think about the products one uses every day, toothpaste, soap, shampoo, deodorants, body lotions, shaving creams, cleansers, moisturizers, and on and on the list goes. This exposes each person to literally hundreds of these toxic chemicals daily and this will have a negative effect over time.

Here are some additional statistics that are shocking.

Women that use hair dye have a 50% higher risk of developing non-Hodgkin’s lymphoma (results can be found in a study by The national Cancer Institute); the FDA released a study of talcum powder and found that of the 40 powders tested, 39 contained asbestos, a known carcinogen; for years cosmetologists have complained of unusual numbers of headaches, memory loss, respiratory problems, nervousness, and so on, and as a result, the government tested and evaluated 2983 chemicals used in the manufacture of cosmetic products and found:

1.884 were toxic;
2.376 were connected to skin and eye irritation;
3.314 could cause biological mutations;
4.778 chemicals related to acute toxicity;
5.214 could effect the reproductive system.

There is a chemical known as 1,4-Dioxane. It is a carcinogen and the Environmental Working Group, an advocate organization dedicated to protect the health of consumers and workers by requiring the cosmetic industry to phase out the use of toxic chemicals linked to cancer, birth defects, and other serious health concerns, tested and found this toxic chemical in 28% of all personal care products. Taking the study one step further, the EWG investigation came up with the following statistics finding 1,4-Dioxane in::

57% of baby shampoos;
55% of baby soaps and bubble baths;
43% of all body firming lotions;
37% of all anti-aging lotions tested;
35% of eye-creams.

What risk to translators face when using cosmetic products

So, one might ask, what are the risks? How does one assure themselves of using safe cosmetic products? A short, succinct answer might be, if you would not drink a poison, why would you use poison on the largest organ of the body and the recognized gateway to the bloodstream? Why would anyone subject their baby to this, knowing their skin is thinner and more absorbent? Those questions could be referred to as the laymen logic. But, one might ask, what is the scientific logic behind all of this and what are the risks? Well, scientists readily admit they know very little about what repeated exposure to small amounts of poisons in cosmetics can do to the human body. However, what they do know is that in rodent studies, Pthalates (synthetic fragrances found in a large percentage of cosmetic products), cause testicular injury, liver injury and liver cancer. Pthalates are also carcinogens, allergens, and very toxic, having the highest level of toxicity of 10, as rated by the Cosmetic Database, the largest database of cosmetic ingredients in the world. Learn more about body care and skin care and choose the right products.

 

Natural Cosmetic Products .The Best Choice For Translators

Cosmetics are very important as far as any woman is concerned, and are almost an inevitable part of a woman’s life. Cosmetics including hair conditioners, lotions, creams for soft skin, gels to prevent ageing and many others help a woman look beautiful and elegant. So, many women all over the world spend a large amount on cosmetics every month.

However, someone who uses a lot of cosmetics often has concerns about the quality and safety of the products being used. The solution to this is natural cosmetics. Cosmetics containing natural ingredients are of better quality and also ensure safety even when used for a long period of time.

Advent of Natural Cosmetics

Though natural cosmetics have been around a really long time, it is only recently that they have gained popularity. Today, this industry is one of the most successful and leading industries.

In the last two decades, our planet has been facing the grave problem of global warming. Global warming was a result of unnatural and chemical substances being used to a great extent which indeed has an adverse effect on the earth.

Eventually, people realized their responsibility towards the Earth and many took a stand not to use products that cause these adverse effects on the environment. Thus, many people stopped using chemical cosmetics and this was the time when such cosmetics took over.

Natural cosmetics, upon being introduced in the market, did not do well initially. Many people were not sure how well these products would do and what would be their effects. However people eventually realized that they are worth buying and so these products became a hit. In fact, today many departmental stores have only natural products on their shelves instead of regular synthetic cosmetics.

Popularity of Natural Cosmetics amongst translators

Natural cosmetics are made only from extracts of natural ingredients including various types of plants and minerals from both the ground and the sea. However, no animal sources are used and they are not tested on animals either.

Naturally made cosmetics are today extremely popular among youngsters who are concerned not only about their own health and skin, but also about the world they live in. The reason behind using them does not matter as long as you use them. Natural bath and body care products are indeed better than most products in the market as they are biodegradable and do not cause harm to the Earth, or to the people using them.

 

Selecting the Best Type of Car Insurance for your Language Translation Trainers

Besides deciding which company to go with, language translators must also consider which policy they want. There are three main types of systems, including traditional, usage-based, and per-mile car insurance So, have a look at these three car insurance coverage programs before you settle for one particular car insurance

Traditional auto insurance

In this type of auto insurance, the insurers determine the quotes for the policy with the help of various personal factors, such as your age, driving history, gender, credit score, etc. Generally, the more risk language trainers have as a driver as per these factors, the higher their insurance rates will be. In this, you can opt for a minimum coverage amount as per the state law or else you can select from a long list of different types of auto insurance coverage.

Usage-based auto insurance

As opposed to the traditional car insurance, where insurers presume your driving skills depending on a list of different risk factors and your accident history, usage-based car insurance providers offer you car insurance by seeing you in action in real. In this type of car insurance, like Allstate’s Drivewise or Progressive’s Snapshot, you get a telematic device, which you have to plug-in your car. This device records how you drive and your driving behavior, especially your bad driving habits like accelerating or hard braking. So, if the device records that language translation trainers are a low-risk driver, then they can save your money with usage-based car insurance. If it records that you frequently drive late at night or you drive fast, then it would not help you save money with your car insurance. Additionally, many usage-based car insurance programs are not available in each state. Therefore, if you are devoted to one insurance company, then you may have to switch your company, in case you move to a different country.

Per-mile auto insurance

Per-mile auto insurance providers also use a telematic device, but they focus on just one thing, that is how little or how much language translators use their cars. This car insurance type is still new and is not available in every state. Among others, Metromile is the best provider of per-mile car insurance and is available in seven states until now, which are California, Illinois, Oregon, Pennsylvania, New Jersey, Washington, and Virginia. Additionally, per-mile providers use the same elements as traditional insurers in determining your car auto insurance quote, but you can save some money through its telematic device. If you do not use your car much and use it only for emergencies, then your premium may be cut significantly. If you usually drive your vehicle, then there are fewer chances of you saving money from it.

 

Language Translators Buying Car Insurance for the 1st Time

In the past, car insurance was not a necessity, as language translators went for it, and some did not. However, today, an auto coverage policy is one of the crucial things in your life if you own a car. People need proper coverage, no matter how luxurious or modest their car is. The way people buy insurance has also changed. In the past, buying car insurance just meant to meet your neighborhood agent and ask him for it. But now, it is somewhat different, as you have got lots of other options at your disposal from where you can get your vehicle insured, with some entirely new coverage choices.

You are buying car insurance: Which method to choose?

When you want insurance for your car, language translation specialists might be puzzled as from where they should get it. You can choose among different options for getting your car insurance.

  1. Buying from captive agents
  2. Buying from independent agents
  3. Buying online

Language translators who prefer personal services and like to form face-to-face relationships should certainly purchase their policy from an agent. But, since there are different agents, they need to decide which one is the best for them. Among these, some are called ‘independent agents,’ who sell insurance for numerous companies, and some are ‘captive agents,’ who sell insurance for just one firm. Let us see the different features of these agents so that you can decide easily and quickly the right agent for yourself.

Buying from captive agents

Training language experts should buy coverage from a captive agent if they are dedicated to a specific insurance firm. Since captive agents deal with only one company, they will know all the different insurance options offered by that company.

Buying from independent agents

You should hire a policy from an independent agent if you want to check out the different insurances provided by different companies, as independent agents deal with several companies and not just one particular insurance firm. This way, you can get a better rate. And, since independent agents are not directly employed by anyone firm, they would not push one specific product and will tell you the right things about all the insurances. Thus, independent agents can aid you to find inexpensive coverage for your car. Since they work for commission, they are under more pressure to grab a deal as soon as possible.

Buying online

The third option is to skip insurance agents entirely and to work directly with the company online. Language translators have to conduct thorough research on different auto insurance companies, what they offer, the rates of their insurance, and what all their policies cover. Among these, some insurance companies that employ agents do not necessitate you to work with them, and a few of them do not employ agents at all. Buying auto insurance online is one of the best options for you if you do not have much time and want to get inexpensive car insurance, as it saves you from paying commission to an insurance agent. If you are not sure about your car insurance needs, then buying car insurance online, without an insurance agent can cause you to buy the wrong, too little, or too much coverage.

 

BUSINESS INSURANCE QUOTE FOR TRANSLATORS

Owning and operating a business is not a joke. As a business owner, you will be facing risks and uncertainties which are beyond your control. Hence it is a must that you have insurance for your business. Insurance is considered as a necessity. But before getting an insurance policy for your business, it is always important to make a survey or investigation as to which policy fits your need and your company.

There are a diverse policies offered in the insurance market. The efficient way to obtain competitive rate is to search online for business insurance quotes.

Business insurance quotes will help you as a business owner in finding the efficient insurance offer in the market. It is importance to get hold of different quotes because each situation and condition is different hence an insurance policy is made in such a way that it is tailored for the needs of a specific client.

Tips on finding the best business insurance for your translation firms

Since there are diverse types of policies offered in the business insurance market, it is best that you search for the suitable rate and amount of coverage for your business. You can always do this by comparing online business insurance quotes. Here are some few tips:

First, make sure to ask the insurance agent about what types of insurance coverage are available that they offer you.Second, you have to assess carefully your business to give you the idea of the amount and extent of coverage needed for your business needs.Third, try to know your insurance agent. If possible, investigate about their legitimacy.And fourth, make an effort to regularly check and update your business plan with your insurance agent.

There nothing to lose if you get top business insurance prices online for your business insurance. So have it done before buying a policy for your business.

 

TYPES OF BUSINESS INSURANCE AND THEIR COVERAGE FOR YOUR TRANSLATING COMPANIES

To run a business in South Africa, you should have several different kinds of business insurance. Typically, a company will need a general commercial insurance policy. Commercial insurance provides protection against theft, property damage, and liability. It also can provide protection against interruption of business and employee injuries. Without New Jersey business insurance, a business owner leaves himself (or herself) open to unnecessary risks that can result in loss of money and property. The owner should research all the different types of commercial insurance before purchasing any. Your company may need commercial property insurance, but not commercial auto insurance. Keep in mind that a business owner may add to, or change, their commercial insurance policy at any time.

A conservative South African commercial insurance plan should consist of workers compensation insurance and professional liability insurance. It should also offer great employee benefits to improve morale and attract top talent.

Workers’ Compensation Insurance covers your employees if they are injured on the job. It will pay the medical bills incurred due to the accident. With no Workers’ Compensation Insurance, any employee that is injured on the job can sue their employer for the medical bills and for income lost due to missed work after the injury. Also, if an employee loses his/her life, while on the job, benefits are payable to the dependents of the worker.

The employee benefits are guaranteed for any full time worker by their employer. Most businesses offer a benefits package to their employees that include paid holidays, vacation days and, of course, health insurance. The average number of paid holidays can be plus or minus 10 days. The average number of vacation days vary, usually after one year of employment with the company. Most business’ offer health insurance with the employee contributing a small amount towards the costs, and co-pays. Offering a defined pension plan or offer a R2million retirement plan will also draw more employees to your business.

Professional liability insurance protects business owners from negligent claims filed by the clients. This insurance will cover the failure to perform, financial loss, and errors in the products sold or services rendered. Once your business has this insurance, it should never be cancelled. If it is cancelled, it is as if the company never had the insurance to begin with and none of the claims received will be covered.

What translators are recommended on buying business insurance in South Africa

Without getting the appropriate insurance for your company, you put your business and your personal security at risk. As a company or business owner, you may be sued for any number of things. Whether it be false advertising, injury on the job, or faulty products, keep yourself covered. When you are covered on all corners, there are no worries. When you are unsure about your coverage, you are always at risk. Consult for best business vehicle insurance cover.

 

HOW TO TRANSLATING FIRMS GET LOW INSURANCE FOR THEIR CARS

Getting the lowest car insurance is all about planning. It is best to do this well before you need to find the lowest car insurance. There are two aspects to finding the lowest auto insurance: strategies and tactics.

The best way to get the lowest car insurance is to be the sort of person that an insurance company wants to insure. If you are a safe, reliable driver with years of experience and you live in a secure environment and do not make claims then an insurance company will normally offer you a low car insurance premium to insure with them.

Strategically you need to become a low insurance risk to insurers. This way you will attract the lowest car insurance quotes. You can do this by becoming and staying a safe driver. Driving whilst tired and distracted can increase your chance of being involved in an accident. An accident may still not have been your fault. But if you remain alert you are better at anticipating what other drivers might do. This could result in you avoiding an accident. It could even save your life. When you drive try to anticipate what other drivers might do. It will make you a safer driver. Stay calm when other you see other aggressive and impatient drivers. We all see drivers that we think will be involved in an accident if they carry on that way. If these people are going to have an accident make sure you are not close to them when they do.

If you want the lowest car insurance then check the insurance band or category that your car belongs to. Choosing a car in a lower band will save you money every year you own it. The insurance category for a car will be a combination of factors. It is likely to include the car’s power and performance, purchase price and costs to repair.

Then it is time to move onto the tactics for getting the lowest cost car insurance. Firstly decide how much time you want to spend searching for the lowest auto insurance. Speak to friends and family in advance so that you have an idea as to what you might be paying. Remember that different car insurance companies may be targeting different types of customer. They may be very competitive for one group of drivers and not for other groups. So, it is best to talk to people similar people to yourself and who drive similar cars. This should help you set a benchmark price. A price that you feel is reasonable but which you want to beat if possible.

If you are busy and don’t have lots of time to search for the lowest car insurance then get an insurance broker to look for you. Maybe you’ll need to check a couple of brokers who will be paid a commission by the insurance company.

 

How translators can save money on vehicle insurance

You can also quickly check for the lowest short term auto insurance quotes at one of the comparison websites. Decide what insurance you are looking for and you can then compare the costs. If you want to reduce the cost of your insurance then consider what excess amount you can accept. A higher excess for any claim will normally lower your premium. Not all insurance companies are included on comparison sites so you may want to get a quote directly.

Before you finally decide on your car insurance check the payment terms. Sometimes insurers offer instalment plans. If you will be spreading your payments over a number of months you will need to understand if you will be paying extra for this. There is no point finding the lowest auto insurance if you then pay a lot more in the way of finance charges.

Saving money on car insurance is normally possible if you are seen as a good risk and are prepared to spend some time searching

 

REDUCED CAR INSURANCE FOR YOUNG FEMALE TRANSLATORS

Are female drivers better drivers than male drivers?

Statistics show that female drivers are safer, less aggressive and drive at lower speeds compared to male drivers. With this data auto insurance companies take this into account and adjust new car coverage policies accordingly. Although there are more and more women on the road these days the data still holds true. Women, on average do drive more cautiously than male drivers. Leading us one of the secrets to finding cheap young female car insurance.

For car insurance woman driver compared to a male driver is statistically less likely to die in a car accident according to some road safety board.

If that is the case then is there such a thing as cheap young female car insurance? It depends.

Some South African car insurance companies may list a discount for young female auto insurance and other companies may not but each auto insurers have already taken into account the risks involved with a female driver as opposed to a male driver.

Finding female auto coverage:

How you go about finding car insurance for women is no different than looking for automobile coverage for a male driver. The “Women driver insurance” has some truth to it but it all depends on their driving history and how many tickets or accidents they have had before and if they were at fault. However, if you have a man and a woman driver with the exact same driving history and car then the woman will generally have receive a much cheaper auto ins quote than the male driver.

Age is a MAJOR Factor for finding low automobile insurance rates

Keep in mind that when buying car insurance for female drivers that age is a serious factor and will affect your auto insurance rates dramatically. Young female drivers are more likely to get in a car accident compared to older female drivers. It is even riskier for younger male drivers leading to much pricier car coverage.

Distractions for young teen drivers (male or female) are plenty. Things such as talking on the phone, eating while driving, changing the radio station, doing one’s makeup, studying while driving to class and looking at other drivers while driving are all minor distractions / activities that can lead to major accidents. A half second distraction could be the reason that leads to a driver’s loss of focus and into a car crash.

If you are a parent looking for cheap young female auto insurance for your teenage daughter it might be good to have a talk with her about the possible distractions on the road before she actually drives and getting a car at a later age to save money. Trust us. It will make a HUGE difference in your car insurance quotes that you receive and her risk of getting into an accident.

Translators can make use of the internet to find the best auto insurance

To save money it is important to go to an online insurance comparison site to compare car insurance quotes. Auto Insurance companies already know that female drivers are less risky and much safer than male drivers and their rates are already adjusted accordingly. If you are female and you are looking for auto insurance savings then cheap auto insurance for woman drivers is not difficult to find with any company you choose.

If you are looking for cheap young female car insurance cover you don’t have to worry about which company offers it. Your rates have already been adjusted accordingly for young female drivers. So go ahead and compare Online Car Insurance Quotes, choose your auto insurance company from the best car insurance companies and finally get your car insured.

 

Expert Translators in the Quest for Coin Collections

There are publications, software application, as well as coin collecting overviews. Expert translators will certainly desire to obtain at the very least a coin overview to get you begun in your new leisure activity. Beginners will especially want to have a coin collecting overview so they will certainly not spend a lot of time on coins that are just face worth. An excellent coin guide will aid language translators to get begun by presenting you to the world of coin accumulating. Ancient coins, British coins, Canadian coins, gold coins, and also silver coins are other types of currencies you can discover around. You will be able to begin your collection with coins you might already have. An excellent coin collecting overview will show you exactly how to quality coins, sell coins, as well as get coins for your collection. You will certainly also discover exactly how to care and also save for your coins. The value of coins is considerably based on rarity and also with the Philadelphia mint being the biggest of the mints; it was natural for them to produce the most significant number of coins. Mint Marks are important, and expert language translators should find out to watch for them.

Coin collecting guides will undoubtedly advise translators on the supplies you will certainly call for to care for your coin collection. Most overviews will certainly likewise inform you where you can get your materials. Some might be offered from the guide itself as well as others will undoubtedly be readily available to you from another source. Numismatists usually compose these coin overviews so you can be guaranteed you are obtaining excellent info regarding your coins. A useful coin guide will assist language translation firms to stay clear of purchasing ineffective top quality. Understanding what you want to gather and also just how to avoid making a costly error are significant reasons to rely on a coin accumulating overview.

When you are a little bit more experienced, you as a language translator will desire to acquire a much more comprehensive coin collecting overview. The worth of coins is considerably based on rarity and with the South African mint being one of the largest of the mints; it was all-natural for them to create the highest number of coins. Beginners will particularly desire to have a coin gathering guide so they will not spend a great deal of time on coins that are just worth face worth. An excellent coin guide will aid expert translators to obtain more info by introducing you to the globe of coin accumulating. Ancient coins, South African Krugerrand gold coin, British coins, Canadian coins, gold coins, and also silver coins are various other kinds of coins you can learn about. A great coin accumulating guide will certainly instruct you exactly how to quality coins, offer coins, and also buy coins for your collection.

Learning about Coin Collections and Language Translation

The most effective location to begin accumulating would undoubtedly be with pennies. Language translators usually certainly focus on the Lincoln Cent for the years 1909 via 1958, which are the Wheat Cents. There are still a variety of “wheat cents” turning up in circulation, so it is feasible to begin a coin collection without spending a large amount of cash. While you are looking your pocket adjustment for “wheat cents,” make sure to check for silver coinage as well as naturally check those quarters. Then brand-new 50 State Commemorative Quarters are a perfect place to begin given that you can discover five new states yearly plus the various mint marks. The mint proceeded to make dimes from copper until 1943 when for this year just, they were made of steel as well as zinc plated to stop them from rusting.

These coins appear to be gray or silver since of the plating. Between 1909 and 1958 the penny included Lincoln on the obverse (front of the coin) as well as the words “ONE CENT” over “The United States of America” mounted by packages of wheat on each side of the phrase, thereby obtaining the descriptive name of “Wheat Cents.” There are two selections of 1909, some have the VDB on the reverse, (back of coin) at the bottom of the coin at the 6 o’clock setting, and others do not. The coins to see for are the ones with mint marks; this applies to all currencies, not merely pennies. Back to cents, in 1909 when the initial Lincoln (wheat cent) dime was made, they produced 72,702,618 in Philly without the designers, Victor David Brenner, initials. They generated 27,995,000 with the VDB on the opposite of the penny.

This same year, 1909, San Francisco minted 1,825,000 without the designer’s initials as well as 484,000 with the initials VDB on the opposite at the bottom of the coin. Currently, for the business economics lesson of supply and need as well as just how it influences the rate and the Krugerrand value . If you had a 1909-penny in “excellent” condition, it would be worth about 75 cents, in “mint” condition it would certainly be valued at concerning $14.00. If you had 1909 with VDB on the reverse in “great” state, it would certainly be worth about $1.80, in “mint” condition (I can not clarify this) the worth has to do with $9.00 (the just apparent reason for the penny with the lower mintage being worth much less in mint condition then the simple 1909 in mint condition, would be that in numismatic documents kept by the grading services, there are possibly a lot more 1909 VDB’s on record than plain 1909’s) If you had a 1909s in “good” condition it is worth $37.00, in “mint” condition regarding $120.00. Now if expert translators were lucky to locate a 1909s with the initials VDB on the opposite in “great” problem it deserves $350.00 and also in “mint” problem it deserves $680.00 or even more. Tolerable for a dime.