The Crystal Ball, Fortune Tellers and Psychics

Your Fortune Awaits

Of all the ítems that psychics use, the most well know has to be the crystal ball.  So where did this product come from, what it from the best psychic Charlotte?  The crystal ball has been shown in hundreds of movies, is a beautifully mysterious device and is known to have mystic powers.  The crystal ball has been around for a very long time.  In fact, it can be traced all the way back to the B.C. era.

Crystal balls are clear and reflective similar to the reflection of water.  Ancient psychics used to use a bowl of water to reveal their readings until the crystal ball came to be popular.  Once the crystal ball took over, it has continued to be used to this day.  We know the age of the crystal ball from the artwork of ancient times in which crystal balls were depicted.  The most famous and well known artwork to include a crystal ball was made by Leonardo Di Vinci.  Salvator Mundi is a mystical painting that Leonardo completed and has been shown in many museums throughout the world.

Ancient crystal balls have been found all over the world in countries such as India, Tibet, China, and Japan.  Each culture believes in the importance and purity of the crystal ball.  Some crystal balls have taken years to create perfectly such as one of the world’s largest known crystal balls that was created in China more than two centuries ago.  This specific ball was owned by a Chinese emperor and was made out of quartz.

Quartz seems to be the most common material that the best crystal balls are made of.  It has become an important tool for fortune tellers when predicting the future.  Whether or not you believe in the power of the crystal ball, one can easily appreciate the beauty of it.  It has been an important part of many cultures for thousands of years and will continue to do so well into the future.


How to Purchase Contractor General Liability Insurance

In California, Contractors insurance entails the financial protection required by building contractors to take care of things in case they go wrong during the construction process. This type of insurance protection is a requirement for all contractors.

Let’s have a look at how to purchase California Contractor Insurance.

1. The first step is to look for your Contractors license number on California’s official website:  Ensure you keep a record of your license classification, name as well as the time of licensing.

2. Create a full list of operations such as remodeling, plumbing, building, electrical among many others.

3. Depending on the list you have created, categorize the percentage of the work either according to industrial, commercial or residential.

4. Get a rough estimation of the sub costs, payroll as well as the gross sales for the following year.

5. It may be necessary to obtain loss runs from your earlier insurance agent in case you are substantially a huge contract with current insurance. In addition to that, you must be paying a minimum of $7500 every year in the liability premium.

6. Get in touch with a reliable Contractors Insurance Broker.

Extra tips

You need to be careful with high deductibles. Even though higher deductibles help lower the premium costs, such kind of deductibles may not be convenient for every person. Make an effort of finding other offers in case you aren’t sure about it.

Ensure you understand the liability policies. You can ask from your insurance broker if you are not sure. The reason is that there are other plans which offer less coverage. These plans may go an extra mile of denying you the coverage. Never drain your pockets on programs which are not worth it anyway.

Take your time searching for the best contractor insurance plan. Do a thorough assessment of different quotes from several companies before you settle on the best.

Consider the liability insurance. Anything is possible in any workplace. A worker may be injured, property stolen or anything close to that. Depending on your needs, you can either take public liability insurance or employers insurance.

Professional indemnity insurance is also an important coverage for contractors. You will be accounted for any mistakes you make on your services. In most cases, it may be unintentional. However, being a contractor implies you are responsible for any fault committed by your employees.

You may also need Income protection. This will help when you get ill or hurt thus cant be able to manage your business. Therefore getting income protection will take care of your cost. In addition to that, you will receive partial income until you fully recover. There are other insurances such as life insurance, disability among others. Ensure you have covered all your bases using this insurances plans.

Therefore if you want to purchase a contractors insurance in California, you need to consider your business needs. Hire an experienced insurance broker who will elaborate on each plan. Doing so will enable you to make the best choice.

All You Need to Know About Contractor Surety Bonds

A Surety bond can be defined as a type of contract which involves three parties, where one party needs to pay another party a certain amount or fulfill a promise. The third party assumes liability for any failed obligation; in a nutshell, three parties are involved – the ‘Principal,’ the ‘Obligee,’ and the ‘Surety.’

The” Principal'” here is the client who buys the bond under contract premise and agrees to pay the “Surety” premiums. In turn, the ‘Surety’ promises to pay the ‘Obligee’ compensation in case the ‘Principal’ breaches the contract of payment and fails to pay the ‘obligee’ what was promised.

A Contractor Surety Bond is purchased by a contractor who ventures into projects and wishes to give assurance that the investment will be directed towards the specific goal. The bonds are managed by the State, and forestall ventures getting deferred due to illegal malpractices by contractors.

In short a project owner or oblige enters into a contract to bond contractors and complete a specified project. Then the contractor or principal secures a surety bond from a surety company or surety broker who sells contractor’s license bonds. Local surety brokers can be found throughout online searches by looking under, “bond directory“.

In any federal, state or local government project the contractor is required, by law, to be bonded to bid. In fact, some areas require a bond be in place before they even consider issuing a contractor a construction license.


Bonds don’t only protect the project owner they work to cover subcontractors that are hired to complete projects that are contracted. The surety bond will cover the expense of suppliers, subcontractors, and damage that occurs to the property as a direct result of the construction project as well as tools and materials that are damaged or stolen.

Construction Surety bonds are only sold through certain agencies that are known as bond producers or bond agencies. The job of a surety agency is to work with contractors throughout the entire process of obtaining a bond as well as creating a relationship where they continue to supply bonds to the contractor as their construction companies grow and take on new commitments. A bond producer plays an important role. They should provide the following services:

The surety company offers advice that increases the profitability of the company by looking into management and all the technical aspects of the business.

To ensure that the financial requirements are met by the contractor seeking a surety bond, the company is responsible for reviewing all financial documents that are required by contractors seeking bonds.

The surety company is responsible for ensuring that the contractor has a surety bond that matches up with their needs. Most surety producers have relationships in which they offer bonds to more than one company. With this in mind, it is important that the surety producer can maintain relationships with several various surety carriers at one time.

The main point of contact for a contractor is the surety producer. This remains the same throughout the entire bonding process. The surety company must remain in contact with both the contractor and the carrier throughout the entire process of the project

Home Remodeling with Contractors

When do you think you own your house?

When you  sign the contract? Not really.

You only feel like home when you make it look like it is yours. Decoration, wallpapers, bookshelves, plants and other items are necessary to have at home. No need to mention that home improvement is not only about design and cosmetic.

It also means fixing some deteriorating walls or roofs or some outdated electrical systems. Therefore, here are some tips and tricks about how to make your home a better place.

Now, let us see how you can improve your house. Before decorating and letting your imagination get wild, you have to fix any problems that you may have in your house. Take a weekend or a few days to repair everything. You may have to bring an electrician or a plumber to help you.

When hiring a contractor be certain to verify if they have proper contractor bonding in place. The California CSLB for example, requires all licensed contractors to hold a $15,000 license bond.

We recommend the following bond websites if you are interested in doing some additional research on bonds.

If you have a designer in your family or friends, that is good news! Maybe they can come, check your home, and give you some tips on how to make it look better.If not, a designer in the USA normally gets 100 dollars maximum for an hour of work.


You can let an imagination of yours go wild and do your designing. Choose the colors you like to paint the walls, choose the fabric you prefer to use for the curtains or the living room. You can also check some home decoration website to get inspiration.

Do you have an old wooden table that sits in the garage waiting for her hour? It is time to paint it aquamarine and put it in your garden!

It is very fun to do, and you can let the artist in you shine.

Do not let an space you have in your living room like that. Instead, make it lively and welcoming by putting plants of different sizes and colors. If you do not like them or if you are afraid, you will not be around enough to water them, ask either a friend or your roommate to do so. Another alternative is to buy plastic plants.

Use lights to make your house more welcoming. Buy lamps for your living rooms and put them in the corners or on the tables. For your bedroom, you can be more original and use twinkle lights around your window or mirror. Do not be afraid to use colorful lights.

If you do not have the right furniture, you can simply modify it. Use the shelves of an old bookshelf and hung them on your balcony. Put some flowerpots on them, and you have a small jar din. Add an old chair, and a table and you have a nice space to take your breakfast in the mornings.

Add your personal touch by making some items or decorations yourself. You can just go on YouTube and watch some DIY videos. Follow the steps, and I guarantee you will do wonders. Some of them are so easy yet give wonderful results.

In conclusion, improving your house is not an easy thing to do. It is always going to be fun, and you will be proud of the results.

Are Contractor Performance Bonds Really Necessary?

When it comes to construction projects, it tends to be the norm that certain bonds are required by law to be put into place. One of the bonds this typically pertains to is the performance bond. Because these regulations have existed for many years, people do not often think about why they were instituted in the first place. When a contractor is unable to obtain and produce the necessary bonds, it isn’t uncommon for the contractor to call into question whether the laws are unfair. So why were these laws enacted, what purpose does the performance bond serve, and is it really necessary?

Are Contractor Performance Bonds Really Necessary

What is a Performance Bond?

The purpose of a performance bond is to ensure financial and legal protection for the individuals involved in a construction project. The bond is essentially an agreement secured by the contractor as a way of guaranteeing to the owner of the project that the work will be completed according to what was negotiated in the contract. In short, the bond holds the contractor accountable for performing the work fully and properly. Should the contractor fail to complete the project, the surety agency will step in to ensure that the work is fulfilled and that the project owner is not left with an unfinished project at the hands of an unreliable contractor. Sometimes the surety agency will even serve as an intermediary throughout the process to ensure that the work is being completed on track in accordance with the contract, which provides the owner with additional confidence.  Here is some more information on performance bonds.

Is a Performance Bond Really Necessary?

In short, yes. There are laws in place at the federal, state, and even local levels to ensure that performance bonds (in addition to payment and bid bonds) are being utilized for public projects. These laws benefit taxpayers by holding contractors accountable and thus ensuring that taxpayer money isn’t being wasted on endless construction projects that don’t get completed on time, or at all, due to contractor unreliability. Even construction projects involving private property will often take advantage of the protection and security afforded by performance bonds. In addition, some money lenders have even come to require them.

In the end, it is truly in the best interest of the project owner to make use of performance, payment, and bid bonds as part of their construction projects. The primary purpose of the performance bond is to protect the project owner from unfinished projects and contractor failure, and in the end, this is what makes it possible for both public and private project owners to employ the lowest responsive bidder to complete the project, while being able to trust that the work will be completed as agreed upon.

The Cost of a Contractor Bond in California


California State Laws require that all licensed contractors should maintain a $15,000 license bond with the Contractors State License Board (CSLB) as a condition for maintaining an active license, or post cash in replacement of this bond. The CSLB requires some contractors to post disciplinary bonds, on a case-by-case basis, before commencing construction work in California.

The Cost of a Contractor Bond in California

This bond serves as protection for consumers who have been financially harmed as a result of a contractor’s work, or a contractor’s employees who may be owed unpaid wages. For example, if you hire a contractor to construct a swimming pool for your house and something goes wrong, the bond will serve as payment for damages, accordingly. This bond amount of $15,000 is increased by the state on a periodical basis. It increased from $12,500 as a result of a Senate legislation effective January 1, 2016.


California Contractor Bonds are most of the time based on credit and other factors such as license history. HCC surety currently offers a bond that will not take credit into account for the first year if the contractor meets certain criteria.

In order to qualify, the new contractor must not have been associated with another license in the past, and must not have a different classification. Depending on one’s credit, the current cost of a license bond generally varies from around $100 per year with good credit and license history, to well over $1300 per year for those with poor credit or other factors such as a license complaint, bankruptcy, and prior bond claim. Contractors can post $15,000 cash with the state in lieu of a license bond.


If a license has been revoked for a violation of the Contractors’ License Law, the company must file a disciplinary bond with the Registrar in order to reinstate or reissue the license (Business and Professions Code Section 7071.8).

In order to apply for this bond, the contractor must specify the reason of their application. The amount of this bond varies according to credit score.


The Qualifying Individual Bond or QIB ensures that payors comply with Division 3, Chapter 9 of the Business and Professions Code. This usually costs $12,500 annually and payments vary according to credit score.


By posting this bond, contractors agree to comply with Labor Code provisions. If the contractor fails to do so, damages suffered must be paid in full amount. The Farm Labor Contractor Bond is worth around $25,000 a year.