Aug 24 2009

How to Identify Kidney Failure in Dogs

For an avid dog-lover, the loss of his pet is the single most traumatic experience. If this occurs due to an illness, it becomes even more tragic. Dog kidney disease is one such killer. It can manifest itself in two ways. One is acute kidney disease and the other is chronic kidney disease. The former strikes suddenly whereas the latter takes effect over a period of time. Either way, the result if fatal for the canine and heartbreaking for the owner.

Kidneys are an important organ for the body, whether human or canine. They are responsible for ridding the body of toxins by filtration. Kidney disease causes the kidneys to function at only about thirty percent of their capacity. If the kidneys stop working, the toxins accumulate in the blood and get deposited in other organs. Subsequently, the dog dies.

As the toxins start building up in various organs, they start to ‘shut down’ that organ. The owner can notice the apparent symptoms in such cases. The kidney disease hinders the body from functioning properly and the warning signals become more obvious. The signs can vary between the two types of kidney disease. Sudden dehydration is a sign of acute kidney disease. If you gently pull the skin of the stomach on your pet and it doesn’t spring back, then it could be that he or she is dehydrated.

Another telltale sign of the acute kidney failure in dogs is the extreme reduction or total stoppage of urine. Your dog would suddenly stop urinating. It is a very excruciating process as the kidneys become quite painful. This is the most obvious sign. You would notice your pet’s arched back or stiff leg movement. In such a case, you would need to rush your precious pet to a veterinarian immediately. Dog health blood in urine could also be a serious warning sign.

In the case of chronic kidney disease, the symptoms are different and they occur over a period of time. The first indicator is an increase in thirst and consequently water consumption. This is a constant indicator of the disease. The dog might lose his or her desire to eat resulting in excessive weight loss over time. Contrary to the acute kidney disease, in the chronic version, the canine loses control over its bladder function. As a result, it urinates very frequently. As time passes, the process of urinating will cause extreme discomfort and become very painful. It is possible that there might even be blood in the urine or it may become impossible for the dog to urinate completely. Since the chronic kidney disease is a fatal illness, it is advisable to rush your pet to the veterinarian as soon as you see any of the warning signs such as problem in urination, vomiting, lethargy and depression. Any combination of these signs is a sure shot reason to go to the vet. If caught in time, there is hope for cure of this malady.

The treatment that a vet will start, for this very serious ailment, is typically four staged. The first step is to carry out a physical check up to eliminate other reasons for the symptoms. Next is the verification from the owner regarding the history and symptoms of this disorder. Then there will be tests – a blood test and finally a urine test to confirm the prognosis.


Aug 24 2009

Questech Sandgate and Dorset Collection

Leading backsplash tile supplier My Tile Backsplash is pleased to announce the addition of both the Sandgate and Dorset Collection from Questech to there vast selection of backsplash material.

The Sandgate and Dorset Collection offers an array of decorative accents in both a natural stone and a metal look. Each Series has three different categories within each of the Sandgate and Dorset lines.

Questech Metals – Questech invented a breakthrough technology, a process for casting beautiful metal objects at a fraction of the weight and cost of solid metals. This discovery led to the launch of the industry’s first mass produced metal tiles, creating an important new category in the tile and home improvement markets. The difference between the two series of Sandgate and Dorset Collections is the style offerings between them. The colors that are offered are the same, just different designs between the two series.

Questech Cast Stone – Questech broke the mold again, with their revolutionary product of the cast stone series. These decorative pieces have a resemblance of natural stone with the look of travertine and marble. The product offering in this category is phenomenal. The selection includes everything from a 2″ x 2″ to a large 16″ x 24″ mural. Again, the color offering between the Sandgate and the Dorset collection are the same, just the different designs associated with each series.

Questech Natural Stone – This includes a factory-sealed tumbled marble collection offered in both Castle Wheat and Casa Emperador. Tumbled marble tiles have better wear properties, warmer feels, softer appearance and a matte finish. Tumbled Marble with Q-Seal provides a built-in anti-bacterial protection. Ultra-Fresh inhibits the growth of stain and odor causing mold and mildew. It is factory applied and will not lose its effectiveness over time. The added anti-bacterial protection makes the tiles ideal for showers, tub surrounds and kitchen backsplashes. They will never be the worry of having to reseal the tiles or worry about special stone cleaners.

As with all the products from Questech, each and every one of the products is sealed with their Q-Seal. The fear of sealing or water-damaged products does not exist with the Questech product line.


Aug 23 2009

Beginner Guitar Lessons

Do you ever admire musicians who play in a band ? What about that guitar playing cousin of yours who is always in the spot light during family gatherings? Many times, it is the desire for performing that motivates people to learn the guitar. With the internet, it is very easy to get started learning how to play guitar with beginner guitar lessons.

First and foremost, it is of utmost importance that the guitar is tuned properly. An out of tuned guitar simply sounds awful. Hence, it is a good habit to spend some time to tune your guitar before playing it. By repeating this action each time you pick up the guitar, you would also be subtly be training your ears.

Learning the names of different parts of the guitar can make your learning on the internet a lot easier. Apart from this, it is beneficial to learn the different functions of the guitar parts. For example, do you know that the bridge of the guitar is not only used for transmitting the sound waves to the body for amplification but also a critical component in applying the palm muting technique?

There is plenty of other guitar knowledge that you should build up to facilitate your progress in playing the guitar. Typically, learning beginner guitar lessons online with the proper resources can really give you a headstart since you would be able to learn at your own pace and time. A final piece of advice, always remain positive and stay focus when learning something new. A proper mindset in learning to play guitar will enable you to overcome challenges in playing the guitar.


Aug 23 2009

Stop the Growth of Basement Mold

Can you prevent basement mold from growing and wreaking havoc in your basement? The answer is yes! Let me show you how.

Moisture is the number one element which makes a basement conducive to mold growth. So it is imperative that your basement be kept dry at all times. Very common causes for the presence of water in your basement are leaking pipes and ceilings and defective plumbing. A 24-hour delay in fixing them can give basement mold a headstart and send it on its way.

Increase air flow in your basement by keeping the door and windows open and installing electric fans. If ventilation is adequate in your basement, chances for basement mold to grow are lessened. Keep furniture or other objects a few inches away from the wall to allow air to circulate.

Clean your basement and vacuum floor on a regular basis to remove mold spores. Carpets, beddings and curtains should also be washed and thoroughly dried regularly.

Droplets of water on your basement pipes or windows indicate condensation and are a sign of high humidity. Dry these surfaces immediately. Cover cold items in your basement like water pipes with insulation to decrease condensation.

Purchase a humidity meter to monitor humidity level. Keep it at below 60 percent. Even better, buy a humidifier and install it in your basement. It will suck the moisture out of the air and prevent dampness.

If there is a bathroom in your basement, install an exhaust fan to suck moist air out of the bathroom while the shower is running since this will promote mold growth.

In the event of a hurricane or typhoon and you will be covering your furniture with plastic, make sure it is very dry. Seal the plastic on all sides and wrap the furniture tightly to protect it from high humidity which is a result of hurricanes.

Putting a stop to basement mold is not as complicated as it looks. All it needs is a little of your time and effort and a lot of determination.  Visit Basement Remodeling Ideas website for more tips on basement remodeling and basement maintenance.


Aug 22 2009

Wall Clocks: Electrify a Dull Unexciting Room

We all glance at wall clocks to catch the time, but it seems that these gadgets are perceived in a different way now. They are considered as distinctive and functional ornamental pieces that can directly alter any drab room into a fab room!

Wall clocks look great on any part of the home. You can hang them up at the kitchen, hallways, children’s room, living room, master’s bedroom and the bathroom. But in every area in the house, one would need a specific kind of pink wall clock to emphasize and coordinate with the current decor.

For the kitchen, the wall clock has to be of a food or floral theme. It can also be in stainless steel to match the existing appliances. For your children’s room, there are numerous cartoon themed wall clocks in different forms and colors. A large cuckoo bird or pendulum wall clock is a wonderful decor to put in the living room. As these are pretty heavy, one must make sure that it is firm. You don’t want it to come off and damage your other prized decorations, or worse, fall on someone else’s head. For an diverse option, one can also opt for a diner type of neon wall clock. This will surely be a conversational piece among your family and friends.One can put them up on hallways to light up the way in during dark nights.

Choosing watches for your walls are so much fun. You can often discover pieces that are so one of a kind that you desire to have it, even though it doesn’t match with any of your existing decors. Though pricey, lots of people collect memorabilia wall clocks of different brands and personalities.


Aug 22 2009

About Portable Generators

Portable generators are useful machines, particularly after the loss of electricity, in the wake of a storm, or other unforeseen circumstances.  These  portable home generators are also excellent for outdoor camping because of their small size and the ability to be dropped in the back of the car. They  are normally fueled by gasoline or diesel and include 120-volt power outlets like the ones in the walls of your home.  They can provide safe, clean, portable, power during power outages or in remote locations.
 
Portable generators range in cost between a few hundred dollars to several thousand dollars, depending on their capacity and features.  And they are available in a multitude of models and configurations from small to large. These generators are almost always air-cooled, 3600 RPM models. Portable generators can be used for many low power applications like microwave ovens, lights, desktop computers and drills.  And they come in various brands, power increments and sizes.  Also, be aware that generators must be used with care, as they can cause serious injury or death if not used properly.  Always refer to the manufacturers instructions and guidelines & consult with other experts if you are not familiar with the safety requirements.
 
In terms of power, portable generators from 1,000 to 4,999 watts are perfect for your portable power requirements for a camping trip, picnic, cook out or any other recreational activity.  From 5,000 to 6,999 watts are heavy-duty generators that are great choice for contractors, agriculture, roofers, masons, carpenters, disaster relief or anyone that needs quality power, reliable engines & no nonsense features. And portable generators 7,000 to 9,999 watts offer a wide variety of enhanced functions for home back-up & general purpose situations.
 
DS Jones

 


Aug 22 2009

Office Refurbishment Ideas for Productive Employees

Introduction

A huge number of people work in offices of one kind or another. They may be offices in buildings purpose built or attached to a factory or in business premises. For many self employed business people the office is a room in their home converted for that purpose. Solicitors, doctors, estate agents and insurance agents, in fact any business that you can think of, works from some kind of office or another. You might even say 80% of the adult population work in an office. But I wonder how many of those people have any say in what kind of office they have and whether or not it suits their requirements. Mostly when someone new joins a company or firm, they are given a space for their office usually left by the previous incumbent. I suspect that if you asked occupants how they would like their office to be they would find it difficult to tell you.

When you think of the number of hours we spend in an office, at least eight hours per day and sometimes up to sixteen hours if it’s a busy period. Yes people are allowed out for breaks and rest times, but it is an awful lot of your life cooped up in small space. If at least a third of one’s working life is to be spent in an office, then it makes sound sense to ensure the environment is as comfortable, pleasant and as healthy as possible.

So how much thought goes into the planning of workspaces?

Where a building is purpose built such as an office, then the architects I am sure will have created good designs to suit the purpose. However, it has been known for new buildings to be problematic for the people working it them. For instance, synthetic materials used for carpeting can sometimes give off toxic fumes which cause allergies or illness of the staff. Air conditioning that relies on recycled air has the potential to carry bugs that can lay the whole office off at the same time. So there are many factors to consider in creating an office environment to ensure the staff are productive, creative, energised and remain healthy.

Old buildings, originally built for other uses, when converted to office space will have different problems to resolve. Often old buildings have very high ceilings where the heat rises up so that the inhabitants below are cold yet the heating bills are going through the roof, literally!! How to maximise the space available to provide a comfortable working environment will be a real challenge and this is where often the use of a mezzanine floor and suspended ceilings are valuable.

It is a well known fact for any organisation that happy workers give better performance and generate more revenue than unhappy workers. The workforce are more motivated, creative, helpful and have less time off work for illness if they are happy in their jobs. I am sure there are statistics available for these details, but you don’t need to review these statistics because it is common sense that tells us we have to provide a comfortable working environment. If you are the business owner, ask yourself if you would be comfortable working in the environment that you are expecting your employees to work in? If your answer is no then get an interior fit out specialist involved until you can say yes to that question.

Ergonomics

Ergonomics is the study of workplaces and the equipment used, to achieve the best design for comfort, safety, efficiency, and productivity. Research has been carried out over the last few years at Nottingham University on office space allocation problems.

Workspace planning is fast becoming a specialist industry because of all of the current regulations and legislation. Formerly known, in the UK as the Factories Act and now known as the Health and Safety Executive regulations are in place to ensure that employees have sufficient working space in which to perform their work. This can be a potential minefield including such things as physical space, usable space, corridor spaces, and minimum light and ventilation regulations. If you are about to commence on an office refurbishment project ensure that your interior fit out specialists of conversant with all of these regulations before you engage them to perform your work.

What are the Criteria for a good office environment? We are sentient beings, which mean we respond with feeling and perception as well as intellectually to our surrounding.

Seeing

The first thing to consider when commencing an office refurbishment project is how does it look? The initial impact on us comes from what we see. The decor and arrangement of furniture, the window aspect and lighting are important in our perception of whether or not it is pleasing to the eye. Does the office have all the necessary equipment, computer, phone and sufficient storage for files and books etc? Plants generate a sense of balance in the space as long as they are discreetly positioned and don’t make it look cluttered. Plants are oxygen generators and help to refresh the air.

Smell

On entering a new place the first thing we take in is the aroma whether we pay attention to it or not. We notice immediately if the air is stuffy or if there is an unpleasant smell such as sweaty bodies. However a pleasant fragrance or no smell at all will be inviting. Baker shops nearly always pump out the fresh smell of baked bread into the street to entice people in to buy the goods. So although we may not be aware that smell plays an important part in our responses, we are still animals and we do use our olfactory senses a great deal more that we realise.

Feel touch

How does the furniture feel? Plastic seats can be very uncomfortable to sit on for a long time. Plastic does not breathe, it draws moisture from the skin so that when you stand up your posterior will be damp and uncomfortable. Padded fabric is warmer than leather for comfort and not as expensive. The desk chair needs to be the correct height for desk and give suitable support, a computer needs to be set correctly to avoid neck and wrist strain of the operator.

The temperature in the surroundings is best if it’s not too warm and not too cold. Also when organising on office refurbishment job remember that people work best at a temperature of around 20 degrees centigrade, so temperature planning is also important.

Too warm and we become sluggish and sleepy, too cold and we become distracted and use up valuable energy keeping warm. Fresh air is also beneficial to stimulate the brain cells.

Sound Hear

What can we hear? Is it noisy or quiet? When I was first starting out in business, I went to visit a local manufacturing company to learn about the way they managed their business. At lunch time I was taken into the executive dining area where there was a waitress service and we had a very civilised lunch. Later I was taken to the works canteen. When we walked in I was hit with a blast of noise such as I had never experienced before. The hall was large with a very high ceiling and nothing to damp down the echo. The result was that everyone ended up shouting to be heard and there was loud music playing as well. I was shocked, not just at the noise level but by the contrast between the executive dining room and the workers canteen. I had come from an business which treated all members of the company the same so there were no executive areas and everyone, high and low mingled together for meals and break times. Guess which company had the better worker relationships and higher output?

Where a company utilises an open plan office then noise levels can be very distracting and one solution is to incorporate ‘White Noise’ which is a low level background noise to interfere with the general office talk going on over the phone or mini meetings. Sometimes quiet relaxing music is introduced as background noise but this is not normal in a business place.

Taste

Well we are not going to go around licking the furniture, but another important consideration is to ensure that a there is an area to enjoy a nice coffee or tea away from the desk throughout the day. So is there a pleasant area for making drinks and preparing snacks, or even lunch facilities alongside the office. I once worked in an office where they had a small kitchen area off the main office for making drinks and snacks and there was always a bowl of fresh fruit for employees, as the company recognising the refreshing effects of fresh fruit.

Workspace planning

So as you can see there are many things that can make the work environment a pleasant place to be. However getting the original layout and size of spaces for the employees is a complex process.

How much space does each individual need to work in? According to the Officewise publication from the Health and Safety Executive in the UK employers must provide a minimum of 11 cubic metres for each person permanently occupying a workplace. However there are all sorts of exceptions and caveats to this rule, such as making sure the space is usable space, and clearly if that space were under the stairs with no windows, or ventilation then it would not be suitable. So it is very important to ensure that your new office fit out adheres to all of the current legislation with regards to workspace laws.

In planning good workspaces the industrial fit out specialists may make use of suspended ceilings where possible which makes the installation of services easier and more less expensive. Electrical supply, air conditioning units, water pipes and telephone cables can all run behind the suspended ceiling making access easy if anything goes wrong and repairs need to be implemented.

Positioning of the electrical and telephone outlet is also crucial. The computers used in offices today all require their own electrical supply even if they are networked with the system.

External light from windows is a requirement for offices. The days of the cupboard office cubbyhole are gone. Light airy spaces make people feel good and doses of sunshine each day lift our spirits. However too much sunshine will overheat an office so the use of vertical blinds is recommended to deflect the rays of the sun without reducing too much the level of illumination.

Costs

To preserve office space costs some industrial fit our specialists have come up with the idea that instead of having a board rooms for meetings they have their meeting standing up around a special tall coffee table. This reduces the amount of time spent in meetings and the space is reusable for the lunches. Other schemes encourage employees to work from home for part of a week and utilise a system of desk sharing or moveable desks.

Reconfigurable spaces

Another way of economising on the cost of office space is by careful rearrangement of the existing floor area. There may be dead areas which could be released and turned into useable space. The installation of new interior partition walls can rearrange the existing space to create a more congenial working environment. Sometimes working in an open plan office is beneficial for communication between staff, other times it is a distraction and prevents efficiency. So having the option of both open space and separate offices provides the full range of options which can be easily introduced with new partition walls.

For example one of my clients, took over a set of offices and had various walls moved, so instead of it having two small offices, one without a window, they created one large office for the MD and a really good sized store room which they needed for long term storage of customer files. They then took out another divider and made a good size open plan office space and rearranged another wall to create a board come conference room. Also access to the little kitchen was changed to be more convenient. The choice of subtle colours on the walls and new vertical blinds caused the whole suite of rooms to be transformed into a pleasant and airy working area. Where there is plenty of ceiling height the introduction of a Mezzanine floor generates valuable areas perhaps for storage, private meeting rooms or extra offices.

Other thoughts in workspace planning, is the situation of facilities such as kitchen, toilets, relaxation areas and outside space if available. Sometimes the introduction of a simple partition can create a relaxation/dining area without losing too much of the work area.

All Health and Safety regulations are paramount they have to be adhered to in the workplace and must be incorporated into any plan along with full fire regulations.

Conclusion

Many organisations may feel that upgrading the facilities is a ‘nice to have’ idea and the reality is that it usually comes at the bottom of the list on money allocation. However this is erroneous thinking; office refurbishment is never a waste of time or money. Creating a pleasant office environment by upgrading worn out or old fashioned surroundings and furnishings will make a big difference to the working life of the employees. Improved working conditions may be only part of the picture in achieving real job satisfaction, but it is a good start in the right direction. It also says a lot about what the senior people in the organisation think about their employees. If they ensure that their staff are given the necessary equipment and facilities to do their job effectively then the employees will give better service and can be more efficient and there will be a better working environment all around.


Aug 22 2009

Milfoil Weevil as a Barrier to Invasive Milfoil

Milfoil weevils  may be more helpful to local habitats and humanity than anyone realizes. This small bug may be  very helpful because it eats the invasive plant known as milfoil and poses no menace to  humans.
 
Two sorts of milfoil exist in the United States. There is a  native one and an invasive species of Eurasian milfoil. The native species places no threat but the Eurasian strain is very damaging. It is this one that is making the milfoil weevil so  significant.  
 
Eurasian milfoil  (from this point forward all milfoil will be considered Eurasian  milfoil unless otherwise noted) was most in all probability introduced to the Us sometime between the late 1800’s to 1940’s as either a stowaway on a Ships ballast or tossed  shipping material. Because of its ability to travel on boat anchors,  bottoms, and propellers it spread widely, bringing with it drastic ecological shifts and  extra problems for humans.   Luckily this can spread the milfoil weevil as well.
 
  Milfoil spreads fast, which results in less growth for indigenous floras, less food for  some creatures and less living habitat for small marine creatures.   The mats formed by the milfoil do not allow the wind to bring refreshing oxygen to the water and this will result in the ultimate  death of fish and a rush in algae growth.
 
For  humanity, milfoil growth means a loss of yachting, swimming, angling and waterskiing areas.    Residential Districts are more adversely affected  as the mats can choke intake and overflow pipes resulting in flooding or droughts.   Milfoil mats can even cause dam generators to clog or break  resulting in lower power production.  
 
One small weevil could hold the solution to  the milfoil dilemma.   Eurasia milfoil is a favorite of the milfoil weevil rather than the  native kind; this results in the invasive species being step by step destroyed and native  floras slowly returning to their natural place. Coupled with a high breeding rate, the  weevil is the safe and ideal answer to the milfoil problem. When looking at how the milfoil propagates it becomes clear and why milfoil weevils control it so well.  
 
Milfoil spread when a little section is broken off, sinks to the bottom and then takes  root, forming a new growth. The use of a harvesting machine is not a great solution  because it causes breakage and results in more milfoil growth. Vacuum dredging works a small better because no broken parts are left behind, but at  the same time the vacuum disrupts the water and may leave no plant life at the bottom.
 
  With a taste for Eurasia milfoil rather than the native milfoil, the weevil eats the plant  from the inside out, finally demolishing the whole flora. With a short life span (milfoil weevils live about thirty days) at  least three generations will live and die till they head to the land to winter. The weevils do have wings, but have never been seen flying, so whether they swim or fly ashore will remain a mystery.   The weevils are hearty small bugs and once they are  inserted to an area, they can survive the harshest weather.


Aug 22 2009

Stargazing on your computer screen

Anyone who has ever seen the night sky full of stars with no light pollution from big cities around will most happily agree that this is one of the most magnificent experiences you can have. It makes you feel small and humble and at the same time you stand there staring and are just thankful the unbelievable beauty nature has to offer.

If you even had the chance to see for example saturn through a telescope like I had this year in Australia, then most probably the astronomy virus got you! The pictures of the universe are perceived as beautiful all over the world, there are no cultural borders for this – it is truely “universal”.

Unfortunatly it is not always possible to go out and have a look yourself – many of the most wonderful images are hidden to the bare eye. You need strong telescopes and often you need equipment to be able to “see” in other wavelengths of the electromagnetic spectrum. But you can enjoy those images nevertheless, even everyday if you want to: Have a look at the Outer Space Picture Calendar 2009 on lookatstars.com.

But you can adore those pictures not only in print but on your computer screen as well. Read more about how to view astronomy pictures of outerspace on your personal computer screen. There are many tips and tricks on how to find star constellations and get info about any celestial object in a very huge database.

Did you ever wonder where all these pictures of space come from? Hmm, isn’t it obvious, that many of them are from NASA. And best is, as most missions are publicly funded, the resulting images are public domain. Read here about where to find an incredibly collection of beautiful pictures of outer space.

Article Blog


Aug 20 2009

Several personal indemnity assurance offerers can be found online

When the customer wants a suitable personal indemnity assurance then the client might use a price comparison machine to find an individual solution. There you could detect the appropriate private indemnity assurance quote out of the multitude of assurance companies. The assurance market is ambigious to most clients. There are numerous assurance companies. As a private person the client hardly can get the overview. Nevertheless one wants to find the best solution. The following Internet site offers a cost-free comparison of German personal indemnity assurance offerers: Billige Privathaftpflicht Versicherung. There the customer might retrieve an individual private liability assurance comparison in no time.

Everyone should consider some important points when looking for the right personal liability insurance in Germany: Your personal liability insurance checks by trained staff, whether the claims against you are justified, and then regulates them. With a private casualty insurance you and your family have protection from the typical liability danger of everyday life in the private sector. Your private liability insurance will help you even if unjustified claims are asserted against you.

The clerk of the assurer works on your individual case and decides upon the relevant factual and legal situation whether claims are justified or not. If charges are asserted against you, which you legally are not liable for, then your assurance will help you in the defense of such claims and will give you legal defense. It is not necessary to visit all the German private casualty assurance suppliers personally when looking for a good solution. You can obtain an online comparison and even contract your private indemnity assurance on this Internet site: Privathaftpflicht im Vergleich.

Your private liability assurance manages the handling of the case and the claims of third parties. If your insurer comes to the conclusion that you are not liable for something, they help you even if anyone brings an action against you therefore. Without having a private liability insurance, you must deal by yourself with the charges of the victim or you need to commission a counselor-at-law to do so for you. E.g. in leisure activities or sports everybody can accidentally cause an injury that might have a large financial volume. When you e.g. on the ski slopes get involved into an accident, which leads to permanent health harm, the other party may assert enormous claims.

Although the private indemnity insurance was a voluntary assurance in Germany, everybody should cover their own peril to be charged by a third party in the event of injury. Without personal casualty insurance you are liable for legitimate claims of third parties with your total private equity. If you do not have a personal liability assurance, it is the victim that confronts you personally with their demands. You then have to decide whether to pay or to dispute by yourself or to mandate a advocate. A private liability assurance would have done all that for you. Then you do not stand alone in the event of damage but have professional support by your side.