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Vehicle Insurance For Commercial Vehicles: 5 Things You Need To Know


Are you a commercial vehicle owner looking for the best insurance deals with minimum premiums and maximum coverages?

Do you know how you can save a lot of money on your vehicle insurance without having to compromise on your safety?

Have you tried comparing vehicle insurance premiums, types of policies, and the safety net across multiple companies?

As someone that has been related to the commercial vehicle sector for the past five years, I can tell you that insurances are one of the most important pressure points for the business.

Most transport and delivery operators feel that skimming on insurance premiums can help them save money. However, this is a mistake that should be avoided at all costs. In this article, we look at five things you should know when it comes to vehicle insurance for commercial vehicles.

Why is Insurance Important for Commercial Vehicles?

When it comes to the transportation business and industry, commercial vehicles are its products. We know how commercial vehicles are always on open and distant roads, facing different types of dangers like thefts, stealing of parts, burglaries of goods being transported, robbery of the vehicle itself, and so on.

In such cases, insurance is extremely necessary to ensure that the commercial vehicle owner can get their damages covered and minimized as the case may be.

Most countries and their law enforcement authorities take vehicle insurance as a road policy very strictly. This is because insurance is aimed at not only covering not only your damage but also providing relief to someone who has been injured in the accident.

You can get slapped with hefty fines, penalties, and even cancellation of permits and licenses if your vehicle is not insured routinely.

List of 5 Things you need to know about Insurance for Commercial Vehicles

  1. Insurance Premiums, Policies, and Coverages differ-

A standard Google search on compare minibus insurance is likely to throw up thousands of results. You need to understand that the first search result might not be the best! This is why commercial vehicle owners should always look to compare insurance products on aggregator platforms. This allows them to get more insights into the premiums, policies, and coverages.

  1. Things that are not Included in Commercial Vehicle Insurance-

You might be forgiven for thinking that the coverage for private vehicles and commercial vehicles is one and the same. However, the fact of the matter is that it is not. Things like normal and regular wear and tear, electrical failures and mechanical breakdowns, or loss to a vehicle based on nuclear damage are not covered!

  1. The Process of Documentation is Rigid and Intensive-

Commercial vehicle insurance paperwork is quite a challenge. This is because the risks and the pay-outs in the insurance money are so huge that companies want to double down on the paperwork. You will need everything in order, signed and attested by your RTO. You will also be required to take care of violations so that you are not assessed in the high-risk category.

  1. Reporting the Claims Procedure and Availing the Claim-

The most important thing to do is to report the damage that has taken place immediately. The more you wait, the level of suspicion of the company with regard to insurance fraud will grow. It is important to immediately report it and then furnish your driver’s license and registration details to get the process started. You can go for both cashless and non-cashless options.

  1. Insurance Premiums on Commercial Vehicles is higher-

There is a simple reason for the same. Commercial vehicles are more prone to getting into accidents or stolen as they spend most of their time on roads and highways. This is why insurance companies command a significantly higher premium on them as compared to private vehicles in all parts of the world.

The Final Word

If you are the owner of a commercial vehicle, it is always advisable that you weigh your insurance options before selecting the provider. Reading reviews online can also help you understand the kind of pay-outs that the company is known for.

How To Win At SEO


Search engine optimization seems like it’s easy to do until you have to do it. Businesses around Malaysia are slowly discovering that they have an arduous task ahead of them to make their websites SEO-friendly. Moz mentions that several distinct factors go into SEO. Yet even if a business pays close attention to each of these factors, they’re not guaranteed to rank. However, at its heart, SEO is a science. Knowing what factors can affect your website may give you an idea of what you need to do to improve your search engine ranking. Here, we look at how businesses can win at SEO in Malaysia.

Get Rid of Old and Low-Quality Content

Did you know that the quality of your content is directly related to its freshness? Sure, some content can be evergreen, but those topics form a small cross-section of the entire content pie. Search Engine Journal reminds us that all content eventually declines in value, and new content is necessary to keep a website current. One of the most straightforward SEO wins you’ll score will be updating all your content and removing old and low-quality content that might damage your final search engine rank score.

Make Sure Your Internal Links Are Updated

No website leaves all its content on the same page all the time. In fact, a lot of businesses move their content around as they update different pages. The problem here is that these create a chain of redirects that can damage your final SEO score. Your internal links should redirect only once. If you have a double or triple redirect, you’ll be in trouble when the search engine bot decides to crawl your page. Screaming Frog or SEMRush can help you figure out where your redirects are to clean them up to be more search engine friendly. You’ll likely be rewarded with a much better page rank as a result.

Improve Your Page Load Speed

Nothing pisses a user off more than having to wait for content. The longer your page takes to load, the fewer sales and leads you’ll get as a result. There are a few factors that may affect your page load speed that you will have to address. If you’re on budget hosting, you may want to consider switching to a more robust hosting service. If you’re running a free page, it’s time to upgrade to a paid one.

Additionally, you can optimize your media files to be smaller, allowing them to load much quicker. From a technical standpoint, you can reduce your HTTP calls. You can do this yourself or ask your web designer to help.

Hire a Specialist

If you’re stumped about how else to promote your SEO, there’s always the option of hiring help. YEAH! Local is one of those companies that go out of their way to help businesses score wins on their search engine rank. Because search engine optimization changes so often, signing on with a professional will help you spend less time working on your webpage and more time focusing on running your business.

Alessandro Bazzoni’s Monterroso is back to the Prince of Wales Trophy


A few days after the provisional suspension of the Britishhigh-handicap circuit was decided, the government’s authorization arrived and with it, it was confirmed that there will be a polo season with health protocols and new rules that will make this season a very peculiar one.

To start, there will be no public -except for the authorizedpress media- and there will be limitations of grooms (four per polo player) and horses (ten each). It will be mandatory to wear masks that partially cover the face and for everything related to the new playing conditions, the federation will make an action guide available to those involved.

The most important thing to note is that it will change thegame itself, at least in the first contest, with rules designed to reduce human contact as much as possible. For that, it is best to minimize throw-ins. In this way, the opening play will be something like a half-court penalty; the winner of a previous draw will choose whether he will serve or deliver that possession. Nor will a throw-in be made after each goal, but the team that received it will take a throw-in but 60 yards from their end line. In those cases there will be no exchange of sides, but only at the beginning of each period.

Everything will be applied, in the inaugural championship ofthe circuit, for the Prince of Wales trophy, which will be at stake between seven teams of 22 recovery goals, with 14 Argentines.

Also, the polo players will not use the classic white pantsto play, but will wear denim. The idea is that the blue pants give an almost friendly character to the first tournament, as if the matches were training and not official. Everything will be under examination and what is safe will remain; the other will be removed. And that includes the season itself.

Without a doubt, it will be a very interesting polo season with the Monterosso of Alessandro Bazzoni starting as favorite.


Les Lions: Dillon Bacon; Bartolomé Castagnola ;Alejandro Muzzio, Santiago Laborde.

Monterosso: Alessandro Bazzoni; Ignacio Toccalino;Guillermo Terrera, Jerónimo Del Carril.

Monterosso Vikings: Siri Bazzoni; Francisco Elizalde;George Meyrick, Sebastián Merlos.

Next Generation: Jean François Decaux; AdolfoCambiaso; David Stirling, Adolfo Cambiaso.

Park Place: Andrey Borodin; Kian Hall; Gonzalo Pieres,Facundo Pieres.

Polo Stud Schockemöhle: Henry Porter; PatrickMaleitzke; Jaime García Huidobro, Diego Cavanagh.

Scone: David Paradice; Oliver Cudmore; Nicolás Pieres,James Harper.

Essential Things You Need to Know About Vegan Protein Powders


After going to the gym and doing an intense workout, your body needs proper nourishment to ensure an effective repair mechanism of muscle tears. Without it, muscle growth won’t be as efficient. This is why, after finishing a workout, you should immediately consume protein products, which is the key to having a properly nourished body.

One of the most high-demand products in the market today is vegan protein, which includes supplements and protein powder. Vegan protein has dramatically increased in popularity because of its benefits and advantages.

However, some gym-goers hesitate to try this product because of a lack of awareness. If you plan to shift to vegan protein, here are some of the essential things you need to know about it.

What Exactly is Vegan Protein?

According to an article by Men’s Health, vegan protein is a product that uses plant-based sources completely. It differs from traditional protein products, such as whey protein, which is derived from milk. Vegan protein is also different from casein protein, which uses eggs as a source of protein.

Vegan protein is the perfect supplement for individuals who have a plant-based diet. No single component of these products is derived from animal sources, making them an ideal protein source for vegans and those who patronise cruelty-free products.

What are the Different Sources of Vegan Protein?

Most health buffs favour vegan protein products because it provides a more sustainable, healthier, and ethical muscle gain. The following are examples of plant-based protein powders:

Pea Protein. This vegan protein powder is not made from typical sweet peas; instead, it is sourced from field peas. Field peas are the preferred source for vegan protein because they have up to four times higher protein content than other peas. Pea protein powders have about 80% protein, which makes them ideal for bodybuilders.

Hemp Protein. This vegan protein is unique because it is a rare protein product that provides fibre, omega fatty acids, and amino acids. This makes hemp protein suitable for gym-goers that follow a nourishment plan that is rich in whole foods.

Soy Protein. This protein product has been used for several decades because of its efficacy. This is no surprise as soy protein can contain nearly 90% of protein. Also, soy protein has a neutral flavour, making it the best powder product for making shakes and smoothies.

What are the Benefits of Using Vegan Protein?

One of the disadvantages of using conventional protein products, such as whey protein, is that they can often leave the consumer feeling sluggish and bloated. This is because whey protein is an animal-derived protein product with several components, which can be difficult to digest for some individuals.

Vegan or plant-based protein powders provide a better alternative because they are lighter on the stomach. This is because vegan protein contains soluble components that easily dissolve upon digestion. So, if you don’t want to have an upset stomach after consuming protein products, plant-based protein powders should be your top priority.


Nowadays, plant-based and vegan protein powders are some of the most popular protein products in the market. And for a good reason. Their benefits are more significant than traditional protein powders that are sold elsewhere.

If you are not satisfied with using conventional protein products, now is the time to shift to plant-based protein. Check out a reputable manufacturer or seller of vegan protein today, and start using healthier products for better muscle development.

What An MRI Department Needs To Know About COVID

MRI departments may not be at the front lines of the COVID-19 epidemic, but they are still necessary personnel that face the threat of infection daily. We already know the dangers that personnel within a hospital may run into. With the right management, an MRI department can seek to reduce the incidence of infection. A study published in the Journal of the American College of Radiology suggests a few key things that workers within an MRI suite ought to know. In this article, we break down the piece into more easily digestible segments to help workers within an MRI department understand the risks and what she can do to prevent the spread of COVID-19.

Positive Air Pressure Rooms

The rooms that house MRI machines have a specific design. The design ensures that there is positive air pressure throughout the room, forcing air out and not allowing it to recirculate inside the room. From a design perspective, this was done to ensure less accumulation of particulate matter on the machines. However, the downside of this design is seen where airborne viruses are concerned. In the event that a patient is infected with COVID-19, this positive air pressure has the potential of forcing the virus out to the rest of the hospital.

The current standards implemented in MRI rooms across the country suggest a minimum application of six air changes every hour to lower the spread of airborne pathogens to the rest of the hospital. Aerosol generating procedures increase this value to twelve air changes per hour. Experiments were conducted with both six and twelve-hour air changes. It was found that the possibility of an individual contracting an airborne illness was decreased by 58%.

Additional Measures to Keep MRI Rooms Safe

The study found that standard aeration and disinfection protocols helped keep these departments COVID-19 free. Further measures included wiping down patient-contact areas with disinfectant wipes and increasing the downtime between scans of potentially infected personnel by as much as an hour. Personnel within the unit ought to adhere to PPE guidelines for COVID-19, and after scanning any potentially infected person, all personnel involved should change their PPE. People who would be entering the magnet room would also be required to don the recommended PPE.

A Combined Effort

COVID-19 is still a genuine danger to everyone. To ensure the safety of personnel within the MRI room, as well as patients who need to get scans done, hospitals may need to pay attention to how their MRI rooms operate. The hospital is already one of the highest concentration areas for the virus. As an airborne pathogen, medical personnel will have to take extreme precautions to ensure that the virus doesn’t circulate. These options for securing the MRI room and its personnel can help ensure the safety of the entire facility. Until the situation improves, this may be the best methodology MRI rooms have for dealing with potentially infected patients. It does help manage the institution’s infection rate, and with medical facilities already strained, that can only be a positive step.

How To Keep Your Kids Entertained On Zoom

So many memories are created during the special Christmas season. As adults during the Christmas season, it is important to help create a time of joy and fun during this period, so that your kids can experience the magic of the time and have beautiful memories they can recall in the future. The pandemic period has added a wrinkle to our attempts to entertain our kids, because sometimes we may not be able to be with them, or they may be separated, or some other eventuality may have arisen that demands us to entertain them via Zoom. Here are some games you can play via Zoom with your kids.


Categories is a wonderfully addictive game. First off, start with 10 categories, for example, food, TV shows, film, country, vegetable, etc, and then randomly pick one of the letters of the alphabet. An effective way of doing this is by opening a magazine, closing your eyes, and then pointing your finger at the magazine and opening your eyes to see what letter your finger landed on. When you have the letter, you must think of as many items to fill into each of the categories as possible with one minute. For example, if you picked the letter ‘B’, for the categories food, TV shows and film, you could have, ‘Banana”, ‘Brooklyn 99’, and ‘Boyhood’. After a minute has passed, a point is given for every correct entry. If someone else shares the same answer, then nobody gets a point. SUm up your points to see who scored the highest.


Switcharoo is the perfect game to bring laughter to a party. You will need someone to be a quizmaster for this, and prepare simple questions whose answers are well known names. For example, ‘Who is Beyoncé married to?’ The aim is to answer by switching the first letter of the first name and surname. So who is married to Beyoncé? Zay J. The person who gets the most right within a minute, wins.

Memory match

Memory games have existed since the dawn of time and are still played, even at a competitive level. A fun memory game is to have someone prepare a video with 20 items on Christmas. The video may be something you filmed on your phone.

Make sure to include a cuddly toy in your footage.

When everyone has watched the video, give them two minutes to recall all 20 items. The person who can recall the most items, wins.

It helps to have a written list of all the items, so that each of the teams have something to refer to when tabulating the correct answers.

Christmas scavenger hunt

Of the many things to do with kids, the Christmas scavenger hunt is one of the staples of Zoom entertainment. To play it, the organizer will have to come up with a Christmas themed list of 10 items which the kids have to go out and find. The items are called out, one at a time, and the first kid back with the item gets a point. Simple! You can make it more complicated by having the kids dress up as Santa, or wrapping up the presents.

How We Can Benefit From Nature At Home

One of the easiest fallacies to fall prey to is the naturalistic fallacy. Australia’s Ethics Center tells us that the naturalistic fallacy is the misinformed belief that just because something is natural, it’s good. This fallacy happens because, by default, a lot of natural things are good. When you take a deep breath in the morning and feel the fresh air enter your lungs, it’s hard to dispute the amazing feeling attached to it. While you can’t go to a medspa during this period of social distancing and rolling lockdowns, you can still experience a bit of nature at home to relax and practice mindfulness. The outdoors provides the best place to share nature at home.

Approach From a New Perspective

Your backyard might not be a forest, but it’s still the outdoors. We tend to see things from a particular perspective because we, as humans, are creatures of habit. We fall into a routine, and for many of us, this can be a comforting experience. However, being locked into a habitual behavior may leave us feeling frustrated. You can keep your routine where you explore the backyard and nature, but change the habit of doing the same walk every day. Shift your patterns and become less predictable. This change allows you to start to look at things differently. The difference in your mentality can be small but significant.

Use Your Senses

We spend so much time focused on what’s in front of us that we rarely spend time experiencing what’s around us. Psychology Today tells us that not enough people stop and smell the roses and even fewer realize they need to do so. Your senses, all five of them, can play a significant part in bringing you back to nature. It’s all around you, but unless you take the time to experience it, then you’re not genuinely embracing all that surrounds you. Stop being a passenger and become a participant in experiencing the world around you. Use all of your senses to bring nature to life around you.

Disconnect To Reconnect

Because we live in a world where it’s so easy to remain connected, few of us ever bother to disconnect from the internet. As a result, we spend our lives regularly on edge, waiting for the next message or email and never genuinely experiencing our lives at the moment. Connecting with nature has the benefit of giving us a different way to experience the world around us. It’s up to us to disconnect from the things that drag us down so we can experience the world around us. Reconnecting with nature requires that you put down the devices and just feel the world around you as a part of it.

The Natural World Is Our World

As much as humans like to pretend that we’re different from other animals, we came from nature, and it’ll always be a part of us. Most people miss the significance of experiencing nature firsthand. Much of your modern stresses and anxiety could be traced back to losing touch with nature and focusing on things that don’t really matter in the grander scheme of things. Benefitting from nature at home doesn’t take a lot. You don’t need hundreds of dollars of hardware and software to experience it. All you need is some time to yourself and a space where you can reconnect with the world around you.

How To Redesign Your Home In Covid Times

Covid-19 has dramatically changed the face of contemporary life. Success in developing a vaccine may shorten the amount of time that the virus is with us, but many of the effects of Covid-19 on home design are long-term. We have become more conscious of the pervasiveness of germs and the speed at which viruses can spread. This means that more homes will be designed with cleanliness in mind, with more attention paid to antimicrobial building materials, surfaces and decor. In that spirit, it is important to look at a few materials which will help you design a cleaner, safer interior.

Among the most frequently-touched surfaces in the typical home, are handles, knobs, flooring, bathroom surfaces, kitchen countertops, and kitchen cabinets. Frequent cleaning remains important, but having these surfaces be anti-bacterial in nature is also vital.


Having antimicrobial flooring is a very smart thing to do. Many brands have lines of antimicrobial porcelain tiles which are often used for flooring and wall tiles. Antimicrobial porcelain tiles prevent the emergence of bacteria and other microorganisms because they are made with natural antifungal agents. For this reason, they are often used in the pharmaceutical, healthcare, and food and beverage industries.


Engineered quartz is one of the preferred materials in the making of antibacterial kitchen countertop materials. Engineered quartz is made from a mixture of natural and man-made materials, and has the look and feel of granite, marble and other natural stones. Each manufacturer tries to add a unique touch to their brand of engineered quartz and so you get a vast array of types of engineered quartz. Because it is scratch resistant as well as  non-porous in nature, it prevents bacteria from settling on its surface, making countertop easy to disinfect.


Given the amount of time we spend in the bathroom and the nature of activities there, the bathroom is among the most likely to be impacted by microbial growth. Showering in the bathroom produces heat and humidity, and bathing and shaving create a warm and moist environment that make most bathroom surfaces susceptible to microbes.

To combat the threat of microbes, manufacturers have explored various solutions, which are both aesthetically pleasing as well as safe from microbes and more usable. Walls and floor tiles are prime candidates for antimicrobial solutions. For example, tiles made with Microban technology are 99% resistant to germs and bacteria. These tiles come in a number of finishes that are aesthetically pleasing


The nature of countertops means that kitchen and bar countertops are among the most frequently touched surfaces in the home and therefore, most liable to have germs and bacteria. Quartz countertops are antimicrobial and made of a composite blend of man-made and natural materials.  You may have used an engineered quartz surface without realizing it.


There are antimicrobial porcelain slabs which can be used to make kitchen cabinets as well as other furnishings. They are a natural antimicrobial surface and prevent the growth of bacteria and can be used for bathroom and kitchen cabinets. Porcelain tiles are an example of this, and are an affordable solution to the problem of germs.

The Future of Events after Covid-19

Event management has been dramatically impacted by Covid-19. New protocols have been put in place to protect the health and safety of attendees, protocols which have had the effect of making profitability an issue for many event planners and venue owners. Understanding what events planning will look like in the future is key for making good business decisions.

Consequently, Congrex’s report on the future of events planning could not have come at a better time. The traumatic impact of Covid-19 on the industry is still being felt. With some countries easing lockdowns and some semblance of normalcy returning, we can now begin to think about in-person, or live events. The crucial question is whether live events post-Covid-19, will look like events pre-Covid-19.

The evidence suggests that certain changes are permanent and that events planners will have to adapt to new conditions. If we do not prepare for this, we will not be able to meet the challenges of tomorrow.

Here are some aspects of the future of events that we chose to highlight. .

What Does The Future Of Events Look Like?

Even with the increasing likelihood of a Covid-19 vaccine within the next 12 months, many people will be weary about attending events in-person for some time. Events managers will have to balance those fears with a need to resume live events. This implies small events with easily manageable audiences for at least the near-term.

Social distancing requirements also mean that physical spaces will be designed with social distancing in mind, so certain kinds of events will remain impossible, for example, round table discussions, and networking events with many one-on-one contacts.

Social Distancing

We have to make peace with the fact that social distancing is likely to be with us for a long time. Though event management assumes at its base that physical contact and proximity are important, the industry will have to continue to reimagine itself divorced from those ideas. We will have to get used to excess space, booking large venues for small groups will be the norm for a long time to come. Seating arrangements will change. For example, rather than continuing with the theatre style of seating, we will need to move to U-style seating.

In cases where you cannot find venue space to rent that has one large room, individual rooms will have to be connected via video.

The virtual component of events is going to be an intimate part of events planning, with 90% of event marketers committed to spending on virtual events, as this chart from the Bizabbo Blog shows:

It is important to realize that historically, only 25% of event planners have invested in virtual events.

Mobile Apps and Social Media

As the chart below, courtesy of the Bizzabo Blog shows, attendee engagement is a vital part of successful management of virtual events in the future.

Engagement is not only important for virtual events, it can be used to improve the quality of live events. Social media pages and mobile apps can be used to improve attendee engagement while also minimizing physical contact. For example, rather than passing a mic around, speakers can post questions or comments via the event hashtag. Or, people can send questions to the speaker’s screen with their phones, using event apps.

Tips on Helping You Find the Perfect Engagement Ring


Shopping for an engagement ring can be one of the most memorable and exciting times of your life. If you are getting ready to find the perfect ring, then you are up for a ride. Before anything else, congratulations! Making this monumental purchase can be stressful and daunting at times, but nothing quite compares to the feeling of choosing the right one. Back then, the choice was much easier as you were limited to only a few design options. Today, however, your options have multiplied exponentially, making it harder to decide.

While browsing through engagement rings, it can be overwhelming to look at all the styles, cuts, colors, and carat sizes. It would be best to walk into a store having even the slightest idea of what you are looking for, so you have something to work with. Since an engagement ring is a considerable purchase, you want to make sure you get it right. Thus, here are a few tips that can help you as you go ring shopping!

Think About Your 4Cs

 One of the basic things to know when shopping for a ring is your 4Cs, which stand for color, cut, clarity, and carat size. Before you even get started, you must have a rough idea of what your 4Cs are or what your preferences are. It will also be important to prioritize the four as you cannot guarantee that you will find a ring that suits all your requirements to the dot. Think about which factor is most significant for you, so it becomes easier to weigh your options while shopping.

Choose a Metal

Typically, engagement rings are made of yellow gold, white gold, and platinum, but rose gold has started to become more popular in recent times. When choosing a metal for your band, you must consider aesthetic, lifestyle, and budget. The metal you choose will affect how your overall ring looks, and you naturally want to stay within a budget. For example, platinum tends to be on the more expensive side, so you can opt for silver to get a similar appearance without spending as much.

Likewise, each metal can wear out differently based on lifestyle, but some may scratch more easily than others. Yellow gold, for instance, is known to be one of the easiest to maintain while adding a classic appeal to your ring.

Consider Style

Engagement rings come in such a wide variety that it can be hard to decide, so if you are stuck with your options, you can think about the recipient’s style. If you are shopping for the ring with your partner, think about your personal style. Do you prefer something simple or more flashy? Do you like the look of diamonds or prefer non-diamond options? If you are shopping alone, then you can think of what your partner would want in a ring.

Choose a Certified Jeweler

An engagement ring is a big purchase, so you want to make sure you purchase it from a credible jeweler. Make sure you consult with someone with proper training from an accredited school, and double check whether your stone is certified from a laboratory like the Gemological Institute of America. One way to identify this is by asking for a diamond grading report to get the exact characteristics of the stone you are buying.