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Why? In some states, if you were to be injured while working on the client job, your client would have to cover you with its own workers compensation policy. And, in some states, your clients insurance carriers would bill them for coverage for all subcontractors who don provide their own certificates of coverage. In both instances, your client would pay more in premiums..

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Just a pile of that no one reads? Nope. Not by a long shot. If you been with us for a while this may have become kind of invisible to your eye. Six. Feelings of Gratitude Give You a High people tend to be more optimistic, a characteristic that researchers say boosts the immune system. Studies indicate that daily gratitude exercises result in higher reported levels of alertness, enthusiasm, determination, optimism and energy.

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