WELLNESS WEDNESDAYS: Favorite Cole Slaw Recipes

“If you can shred a vegetable, you can make slaw.” 

                                                                           --Chef Michael Glatz

Summertime is here and all kids deserve access to healthy foods.  Here is a simple food idea that kids love to help make.  Gather together the ingredients in this delicious Summer Slaw recipe.  Put the kids in the back yard* with a grater, a head of red or green cabbage, and a big bowl.  The key to most slaw recipes is to make them ahead of time, allowing the flavors marry in the fridge for at least an hour before serving. 

GROWING HEALTHY KIDS:  Our Recipe Collection

SUMMER SLAW

INGREDIENTS:

·        ¼ head red cabbage

·        ½ jimaca (or substitute rainbow carrots)

·        ½ cup fresh squeezed orange juice

·        1/3 cup fresh squeezed lime juice

·        1/2 cup finely chopped fresh cilantro

·        3 Tablespoons local honey

DIRECTIONS: 

• SHRED cabbage and jimaca in food processor (or use a hand grater).
• WHISK together remaining ingredients. 
• MIX juice mixture with the vegetables, cover and place in fridge for at least 1 hour. 

SERVE with your favorite summertime dinner such as shrimp tacos or black bean burgers.

In gratitude,

Nancy Heinrich

Founder, Growing Healthy Kids, Inc.

*Kids and cabbage can get a little messy, so taking this preparation step outside will keep your kitchen neat.

NOTE TO PARENTS:  If using a mandoline for the cabbage, do this yourself.  This kitchen tool is not for kids.  

Healthier Kids Thrive in the Your kitchen

Do you bear in mind the cooking area from your childhood? Do everyone recall how it was the particular heart and heart and soul of typically the home? Not only did most of the dishes get created now there and many dinners get swallowed there, but which can be where big decisions were made, "heart so that you can heart" conversations were have in addition to where visitors might have really been approached.

Today, in my private kitchen, it's not at all much different. Typically the same important things are developing there. The kitchen is as well where fantasy gets done, craft projects have praised, and and truck sites get penned. And very prominently, it is where life long instruction about food and nutrition are usually taught and learned.

As families, raising healthy kids is a good the main ageda for all of united states. We don't want it as being a temporary thing either. My own task is to raise longeval healthy predators. I try in order to move beyond the very thought of "eat just what exactly is on your plate for the reason that I said so" and check out to make a basic, kid-friendly realizing of the importance of balanced eating. I believe that often the more we all talk about nourishment, the importance of "eating the exact rainbow", why real food is certainly a great deal more beneficial for our body shapes and minds as compared with processed food items, as well as other factors, the more probable my kids become prospering, wholesome kids now and blossoming, healthier adults in the long run.

One of the best destinations that will help healthy kids thrive on the way Positive describing is normally in the kitchen. Bring these people regularly into the heart and heart of the house! Be certainly to let them watch, make it possible for them observe, let them dilemma.

And then let them grill.

Kids of every age group can be hands and wrists on with food preparation to be able to some degree. It just normally requires a little planning, perhaps a bit of preparation before you invite these individuals in to join you, nonetheless it is often totally manageable. The following is a rich knowing knowledge for them and we have to try right away as often since we can.

Besides... it is actually PLEASURABLE! If you are doing them right, you can expect to share lots involving laughs, good dialog and superb quality time together. I'm going to assistance you do that.

Before one jump in place and call most people into the kitchen, Permit me to00 promote some things you should imagine about PRIMARY.

LET'S GET THOSE PEOPLE KIDS ON THE KITCHEN!

HERE WILL BE 3 WAYS TO ASSIST PEOPLE TO GET STARTED:

1. Establish Up Beforehand

You won't have to necessarily carry out much, but spending some time00 to established up a few things usually means that you can target the very kids and the food a tad bit more rather then details that can often be taken care of beforehand.

What amount of this you do seriously depends on time of your individual children and their familiarity together with your kitchen. With younger small children you may take out many of the ingredients and tools, have all already measured and ready for you to be applyed into a toilet bowl for mixing. By using older youngsters or kids much more familiar for the kitchen, they may carry out the constituents as you read through them or these read these folks off, they may accomplish their whole own measuring, and so for.

No matter how a great deal or perhaps how little you do, there's always something to do beforehand. Quite a few added things may include:

rapid Taking out more dish- or maybe paper towels in case connected with liquid spillage.

- Clearing off the main cooking area, just like sink plus oven if necessary.

instructions Figuring out on a recipe.

- Aiming all the kitchen tools demanded.

aid Taking ingredients out with the pantry and even refrigerator.

couple of. Create work gas stops and fixed up some rules

The pretty last thing we want is actually kids running on the kitchen, moving for a first an opportunity to apply the peeler and having some shouting match break out. As soon as my little ones come into the actual kitchen, everyone has an sent to spot and job to start out with. Aren't rotate. We may perhaps not. But it can be quite distinct as to who is moving wheresoever right from the start.

Rule are important, very. Often the kitchen can be a threatening place while not rules. So many of us establish some from the comfort of the commencing, then change or add to help the list while need takes place.

Some rules you would possibly include are generally:

- Wash arms before together with after cooking.

- Tie your mane back.

- Use your kitchen apron.

instant Never touch the cooker, obviously on.

- Ask in advance of placing an ingredient.

- Exclusively use the wood stove or the knife when Momma has a person.

Use rules that make feel for your kids and home.

3 or more. Relax and have PLEASURE

If you can admit that will messes will be make, ranges might make it into the particular dish as well as an ingredient could possibly be accidentally left out, you definitely have the right frame for mind to relax and luxuriate in typically the experience with your kids. The exact most important thing isn't in which the final product turns outside perfect. The very much more necessary thing is that kids are receiving a rich, hands on expertise with the food prep using YOU. What they learn could stay along for a prolonged time. They are more possible to connect sensible food and nutritious eating with heated, positive reactions by the opportunities offer them all to be hands on within the kitchen. Hence relax, giggle, laugh off the "oopsies" and also "uh oh's" and have ENJOYABLE!

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Description: healthier kids thrive in the your kitchen do you bear in mind the cooking area from your childhood? do everyone recall how it was the particular

Wholesome Kids Thrive in the House

Do you just remember the the kitchen area from your childhood? Do anyone keep in mind how it was the main heart and coronary soul of the actual home? Not only did all of the meal get created at this time there and many foods get taken there, but that is definitely where important decisions were made, "heart to be able to heart" conversations were acquired plus where visitors might have been recently met.

Today, in my unique kitchen, it's not actually much different. The very same important things are transpiring there. The kitchen is in addition where utilizing study gets done, fine art projects find praised, and personal blogs get prepared. And very essentially, it is where ongoing courses about food and nutrition happen to be taught and learned.

As mothers and fathers, raising healthy kids is some sort of priority for all of you. We don't want it to become temporary thing either. My particular assignment is to raise life time healthy people. I try for you to move beyond the thinking behind "eat what exactly is on your plate mainly because I said so" and test to build a basic, kid-friendly comprehension of the importance of nutritious eating. I believe that the particular more we tend to talk about nutritional value, the importance of "eating typically the rainbow", why real food is usually far more beneficial for our figures and minds in comparison with processed meal, as well as other stuff, the more chance my kids become well established, good kids now and thriving, healthful adults in the potential.

One of the best sites to support healthy kids thrive throughout the way On the web describing is definitely in the kitchen. Bring them all promptly into the heart and spirit of the house! Be guaranteed to let them watch, make them observe, let them concern.

And then let them make meals.

Kids several can be hands and fingers on with food ready to help some degree. It just normally takes a little planning, with a minor preparation before you invite these products in to join you, although it is usually totally manageable. That is a rich finding out working experience for them and we really should try to as often simply because we can.

Besides... it can be ENTERTAINING! If you are doing the item right, you might share lots for laughs, good talk and good quality time together. My goal is to guide you do that.

Before you actually jump right up and call all people into the kitchen, I have to show some things you should assume about INITIALLY.

LET'S GET PEOPLE KIDS INTO YOUR KITCHEN!

HERE USUALLY ARE 3 WAYS TO ASSIST YOU ACTUALLY TO GET STARTED:

1. Placed Up Beforehand

Anyone necessarily can much, but making the effort00 to collection up a few things suggests that you can provide for often the kids and the food considerably more in place of details that can possibly be taken care of beforehand.

The amount of of this you do definitely depends on time of your personal children and their familiarity utilizing your kitchen. With younger little ones you may take out every one of the ingredients and tools, have anything already measured and ready that will be try and into a serving for mixing. Having older small children or kids even more familiar with the kitchen, they may have out the components as you examine them or many people read all of them off, they may perform all their own measuring, and so with.

No matter how considerably or possibly how little you do, on the rise something to do beforehand. Many supplemental things may include:

instant Taking out excess dish- or even paper towels in case about moisture.

- Clearing off the exact cooking area, for example the sink and even oven if necessary.

tutorial Making a decision on a recipe.

- Putting all the kitchen tools expected.

-- Taking ingredients out associated with the pantry together with refrigerator.

3. Create work gas stations and arranged up some rules

The incredibly last thing we want can be kids running into your kitchen, pressuring for a first possible opportunity to work with the peeler and having a new whaling match break out. If my children come into the very kitchen, everyone has an issued spot and job to start off with. Organic meat rotate. We could not. But it is rather apparent as to who is intending everywhere right from the starting up.

Rule are important, far too. The main kitchen can be a unsafe place not having rules. So all of us establish some from the starting, then change or add towards the list because need appears.

Some rules you can include tend to be:

- Wash palms before as well as after cooking.

- Tie your tresses back.

- Use your attire.

: Never touch the oven, clearly on.

- Ask previous to introducing an ingredient.

- Solely use the cooktop or your knife when Momma is people.

Use rules that make good sense for your kids and kitchen area.

three or more. Relax and have ENJOYMENT

If you can agree to which will messes will be make, comforters might make it into the main dish and also an ingredient could be accidentally left out, then you definately have the right frame regarding mind to relax and revel in the actual experience with your kids. The actual most important thing isn't which the final product turns available perfect. The particular much more critical thing is that kids are experiencing a rich, hands on encounter with the food prep along with YOU. What they learn will probably stay along with them for a longer time. They are more probable to connect healthy food choices and healthy and balanced eating with comfy, positive inner thoughts by the opportunities offer these to be hands on around the kitchen. Consequently relax, look, laugh off the "oopsies" along with "uh oh's" and have INTERESTING!

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Description: wholesome kids thrive in the house do you just remember the the kitchen area from your childhood? do anyone keep in mind how it was the main heart

Balanced Kids Thrive in the Home

Balanced Kids Thrive in the Home

Do you try to remember the your kitchen from your childhood? Do one consider how it was the exact heart and intellect of the very home? Not only did most the foodstuff get created right now there and many food get enjoyed there, but that is certainly where key decisions were made, "heart to help heart" conversations were possessed and even where visitors might have also been met with.

Today, in my individual kitchen, it certainly is not much different. The particular same important things are going on there. The kitchen is likewise where home work gets done, art work projects receive praised, and sites get published. And very important, it is where longeval instructions about food and nutrition will be taught and learned.

As mother and father, raising healthy kids is some goal for all of us all. We don't want it becoming a temporary thing either. My personalized vision is to raise long term healthy predators. I try that will move beyond thinking about "eat precisely what is on your plate since I said so" and consider to establish a basic, kid-friendly being familiar with of the importance of healthy and balanced eating. I believe that the main more most people talk about nutritional requirements, the importance of "eating the actual rainbow", why real food is normally a tad bit more beneficial for our systems and minds when compared with processed foodstuff, as well as other issues, the extra likely my kids become display, balanced kids now and growing, wholesome adults in the foreseeable future.

One of the best spots to help you healthy kids thrive for the way Therefore i'm describing is actually in the kitchen. Bring these strait into the heart and program of the house! Be confident to let them watch, enable them observe, let them problem.

And then let them make.

Kids of various age groups can be arms on with food cooking towards some degree. It just usually takes a little planning, what about a very little preparation before you invite these people in to join you, nevertheless it might be totally manageable. This kind of is a rich mastering practical knowledge for them and we need to try to accomplish this as often like we can.

Besides... its PLEASURE! If you are doing the idea right, you may share lots regarding laughs, good chat and wonderful quality time together. I am about to support you do that.

Before a person jump upwards and call anyone into the kitchen, I must talk about some things you should feel about INITIAL.

LET'S GET INDIVIDUALS KIDS IN THE KITCHEN!

HERE ARE GENERALLY 3 WAYS TO ASSIST ANYONE TO GET STARTED:

1. Fixed Up Beforehand

An individual necessarily undertake much, but finding the time00 to establish up a few things signifies that you can consider the particular kids and the food much more as an alternative to details that can always be taken care of beforehand.

The amount of this you do genuinely depends on time of your own personal children and their familiarity by using your kitchen. With younger young children you may take out the many ingredients and tools, have every little thing already measured and ready so that you can be put into into a jar for mixing. Using older boys and girls or kids a lot more familiar within the kitchen, they may acquire out the constituents as you learn them or that they read these individuals off, they may conduct their very own own measuring, and so about.

No matter how very much or simply how little you do, you can find something to do beforehand. A number of more things may include:

: Taking out further dish- and also paper towels in case involving spots.

- Clearing off typically the cooking area, such as sink together with oven if necessary.

rapid Selecting on a recipe.

- Arranging all the kitchen tools essential.

instructions Taking ingredients out connected with the pantry as well as refrigerator.

only two. Create work programs and place up some rules

The quite last thing we want will be kids running in the kitchen, forcing for a first possibility to employ the peeler and having the badly behaved match break out. Any time my young people come into often the kitchen, everyone has an given spot and job to get started with. Natural meats rotate. We may well not. But it is incredibly obvious as to who is planning exactly where right from the outset.

Rule are important, way too. Typically the kitchen can be a risky place with out rules. So people establish some from the the newbie, then change or add in order to the list when need develops.

Some rules you could possibly include are actually:

- Wash fingers before and also after cooking.

- Tie nice hair back.

- Use your kitchen apron.

aid Never touch the wood stove, it will on.

- Ask ahead of putting an ingredient.

- Merely use the range or any knife when Momma has been an individual.

Use rules that make impression for your kids and kitchen's.

several. Relax and have ENJOYABLE

If you can recognize of which messes will be make, masks might make it into the exact dish along with an ingredient may well be accidentally left out, you then have the right frame with mind to relax appreciate the very experience with your kids. Often the most important thing isn't the fact that the final product turns out and about perfect. The exact much more significant thing is that kids have a rich, hands on feel with the food prep through YOU. What they learn can stay using them for a extended time. They are more very likely to connect well balanced meals and healthier eating with cozy, positive sensations by the opportunities offer these folks to be hands on inside the kitchen. And so relax, have fun, laugh off the "oopsies" in addition to "uh oh's" and have EXCITING!

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Description: balanced kids thrive in the home do you try to remember the your kitchen from your childhood? do one consider how it was the exact heart and

Healthy and balanced Kids Thrive in the Cooking area

Healthy and balanced Kids Thrive in the Cooking area

Do you recall the home from your childhood? Do you actually take into account how it was typically the heart and heart of often the home? Not only did just about all the dinners get created presently there and many servings get ingested there, but that may be where significant decisions were made, "heart towards heart" conversations were got together with where visitors might have recently been welcome.

Today, in my very own kitchen, it's much different. The exact same important things are taking place there. The kitchen is furthermore where groundwork gets done, skill projects acquire praised, and websites get composed. And very notably, it is where life time classes about food and nutrition are generally taught and learned.

As mom and dad, raising healthy kids is a new main priority for all of people. We don't want it as a temporary thing either. My private quest is to raise life long healthy people. I try so that you can move beyond the concept of "eat just what is on your plate due to the fact I said so" and try out to produce a basic, kid-friendly comprehending of the importance of healthier eating. I believe that the exact more many of us talk about vitamins and minerals, the importance of "eating the very rainbow", why real food is definitely considerably more beneficial for our physiques and minds as compared to processed foods, as well as other items, a lot more likely my kids become blossoming, nutritious kids now and booming, good adults in the long term.

One of the best areas to aid healthy kids thrive with the way Me describing can be in the kitchen. Bring these folks straight into the heart and internal of the house! Be positive to let them watch, permit them observe, let them query.

And then let them prepare food.

Kids in various age groups can be palms on with food prepare in order to some degree. It just will take a little planning, why not a tiny preparation before you invite them all in to join you, yet it may be totally manageable. This specific is a rich understanding expertise for them and we must try to achieve this as often while we can.

Besides... it truly is ENJOYMENT! If you are doing that right, you can share lots with laughs, good dialogue and fantastic quality time together. Let me aid you do that.

Before people jump way up and call every person into the kitchen, I would like to reveal some things you should consider about 1ST.

LET'S GET THESE KIDS TO THE KITCHEN!

HERE ARE USUALLY 3 WAYS TO ASSIST AN INDIVIDUAL TO GET STARTED:

1. Established Up Beforehand

It's not necessary to necessarily accomplish much, but taking the time00 to fixed up a few things implies that you can give attention to the main kids and the food even more as opposed to details that can end up being taken care of beforehand.

Simply how much of this you do actually depends on time of your current children and their familiarity using your kitchen. With younger youngsters you may take out each of the ingredients and tools, have almost everything already measured and ready to be able to be put in into a pan for mixing. Together with older little ones or kids a great deal more familiar around the kitchen, they may consider out the components as you study them or they will read these products off, they may complete their particular own measuring, and so in.

No matter how significantly or maybe how little you do, almost always there is something to do beforehand. Several further things may include:

aid Taking out added dish- as well as paper towels in case for leaks.

- Clearing off the actual cooking area, like the sink as well as oven if necessary.

instant Choosing on a recipe.

- Placing all the kitchen tools necessary.

tutorial Taking ingredients out about the pantry and also refrigerator.

a couple of. Create work areas and placed up some rules

The extremely last thing we want is certainly kids running to the kitchen, driving for a first possiblity to make use of the peeler and having your yelling match break out. While my young children come into the particular kitchen, everyone has an allocated spot and job to commence with. Organic beef rotate. We may possibly not. But it is quite very clear as to who is proceeding just where right from the commencing.

Rule are important, also. The very kitchen can be a hazardous place with no rules. So most of us establish some from the comfort of the starting point, then change or add for you to the list seeing that need comes up.

Some rules you could include usually are:

- Wash the hands before along with after cooking.

- Tie flowing hair back.

- Use your attire.

-- Never touch the cooktop, it could be on.

- Ask just before incorporating an ingredient.

- Simply use the cooker or a good knife when Momma is to use everyone.

Use rules that make perception for your kids and house.

a few. Relax and have INTERESTING

If you can take in which messes will be make, addresses might make it into typically the dish in addition to an ingredient may possibly be accidentally left out, then you certainly have the right frame associated with mind to relax and luxuriate in often the experience with your kids. The main most important thing isn't this the final product turns out there perfect. The actual much more crucial thing is that kids are receiving a rich, hands on practical experience with the food prep having YOU. What they learn may stay together for a very long time. They are more most likely to connect a good diet and healthful eating with hot, positive thoughts by the opportunities offer all of them to be hands on on the kitchen. Thus relax, laugh, laugh off the "oopsies" plus "uh oh's" and have PLEASURABLE!

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Description: healthy and balanced kids thrive in the cooking area do you recall the home from your childhood? do you actually take into account how it was

Healthful Kids Thrive in the Kitchen area

Healthful Kids Thrive in the Kitchen area

Do you keep in mind the kitchen area from your childhood? Do a person bear in mind how it was the actual heart and spirit of the particular home? Not only did almost all the foods get created generally there and many dishes get consumed there, but which is where main decisions were made, "heart in order to heart" conversations were experienced as well as where visitors might have already been welcomed.

Today, in my personal kitchen, it’s not much different. The actual same important things are occurring there. The kitchen is additionally where research gets done, artwork projects obtain praised, and weblogs get created. And very significantly, it is where long term training about food and nutrition tend to be taught and learned.

As moms and dads, raising healthy kids is the main concern for all of all of us. We don't want it to become a temporary thing either. My individual objective is to raise ongoing healthy predators. I try to be able to move beyond the thought of "eat exactly what is on your plate simply because I said consequently" and try to create a simple, child-friendly understanding associated with the importance of healthful eating. I believe that typically the more all of us talk about nutrition, the importance of "eating often the rainbow", why real food is actually much more beneficial for our body and minds compared to processed meals, as well as other points, the much more likely my kids become thriving, healthy and balanced kids now and prospering, balanced adults in the upcoming.

One of the best locations to assist healthy kids thrive within the way We are describing will be in the kitchen. Bring all of them directly into the heart and heart and soul of the house! Be certain to let them watch, allow them observe, let them issue.

And then let them prepare.

Kids different can be fingers on with food preparation for you to some degree. It just requires a little planning, perhaps a small preparation before you invite these in to join you, however it could be totally manageable. This particular is a rich studying encounter for them and we ought to try to get this done as often because we can.

Besides... it really is ENJOYABLE! If you are doing this right, you are going to share lots associated with laughs, good discussion and excellent quality time together. I will assist you do that.

Before an individual jump upward and call everybody into the kitchen, I wish to discuss some things you should believe about VERY FIRST.

LET'S GET ALL THOSE KIDS IN TO THE KITCHEN!

HERE TEND TO BE 3 WAYS TO ASSIST A PERSON TO GET STARTED:

1. Arranged Up Beforehand

A person necessarily perform much, but spending some time00 to arranged up a few things indicates that you can concentrate on the exact kids and the food a lot more rather than details that can become taken care of beforehand.

Just how much of this you do truly depends on time of your own children and their familiarity along with your kitchen. With younger kids you may take out all of the ingredients and tools, have every thing already measured and ready to help be put into a dish for mixing. Along with older children or kids far more familiar inside the kitchen, they may get out the constituents as you go through them or these people read these people off, they may carry out their own own measuring, and so upon.

No matter how a lot or even how little you do, often there is something to do beforehand. A few extra things may include:

-- Taking out additional dish- or perhaps paper towels in case regarding splatters.

- Clearing off the very cooking area, such as the sink and also oven if necessary.

: Determining on a recipe.

- Aiming all the kitchen tools needed.

rapid Taking ingredients out involving the pantry along with refrigerator.

two. Create work channels and established up some rules

The really last thing we want is usually kids running in to the kitchen, pressing for a first opportunity to utilize the peeler and having any shouting match break out. Whenever my youngsters come into the main kitchen, each person has an precise spot and job to start with. We might rotate. We might not. But it is extremely crystal clear as to who is heading wherever right from the starting.

Rule are important, as well. The particular kitchen can be a harmful place without having rules. So we all establish some from the start, then change or add that will the list since need occurs.

Some rules you may include are usually:

- Wash both hands before in addition to after cooking.

- Tie hair back.

- Use your kitchen apron.

instructions Never touch the range, it may be on.

- Ask prior to including an ingredient.

- Just use the oven or some sort of knife when Momma is by using anyone.

Use rules that make feeling for your kids and cooking area.

three. Relax and have EXCITING

If you can acknowledge which messes will be make, handles might make it into the actual dish plus an ingredient may be accidentally left out, then you definitely have the right frame connected with mind to relax and revel in the particular experience with your kids. Typically the most important thing isn't that will the final product turns away perfect. Often the much more essential thing is that kids are experiencing a rich, hands on knowledge with the food prep together with YOU. What they learn will certainly stay with these for a lengthy time. They are more probably to connect balanced diet and wholesome eating with comfortable, positive emotions by the opportunities offer these individuals to be hands on throughout the kitchen. Therefore relax, grin, laugh off the "oopsies" and even "uh oh's" and have ENTERTAINING!

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Keyman Insurance - Protect Yourself Against Your Biggest Businesses Risks

Keyman Insurance - Protect Yourself Against Your Biggest Businesses Risks

As a businessman you might have public liability insurance and you insure your buildings, stock and vehicles. You may even have professional indemnity insurance and legal cost insurance. Is that all? What about your other primary assets - your key staff?

Key staff represent the heart of every businesses but no more so than the UK's 3.9 million small, often family, businesses that have up to 4 employees. Prolonged absence through serious illness or even death can be terminal for some of these enterprises. The risks are the same for limited companies, a partnerships and sole traders.

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Keyman Insurance on those who are central to your business.

Who are your key people? They are the ones who steer, create and drive your business. The people without whom your business would lose sales and profits or without whom even the basic viability of your business would be shaken. Look at the Directors, Partners, owners and beyond. Consider the roles of senior managers in sales, technical development and operations - the roles will change in every business but the candidates are sure to jump out at you.

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The effect of losing key staff goes well beyond simply the cost of their salaries and the cost of replacement. As they're central to the businesses prosperity, their loss will knock on to the bottom line. You can insure for loss of profits too!

Keyman Insurance to protect Shareholders or Partners.

Here we are talking about insurance to protect interests in the event of long-term illness or death. Families may want to sell their stake in the business but the remaining members in the business may not want those stakes held by newcomers. Keyman insurance schemes can be implemented which provide the necessary finance to buy the shares from the original shareholders or their estate.

Keyman Insurance insuring those who provide personal guarantees.

When a business takes out a loan or raises bank finance the lender is quite likely to require a personal guarantee or a charge on their personal property. This especially applies to small and new businesses. So what happens if these guarantors become seriously ill or die? The lenders may well be in a position to call in the loan. What happens then? Again, Keyman Insurance is the answer. Insurance can be structured to pay-off the loan and thus free the business and the guarantor's family, from major worry.

Most of the UK's leading insurance companies offer Keyman Insurance as a development of their Life and Critical Illness Insurance interests. They have all the necessary paperwork available to implement the cover you need and ensure the taxman is kept at bay.

So, can your business afford to ignore Keyman Insurance? You'll be either a brave or foolish man to say NO!

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Description: keyman insurance - protect yourself against your biggest businesses risks as a businessman you might have public liability insurance and you insure

Memo to Myself - I Need Keyman Insurance

Last month I had to drive down to London. I don't like driving at the best of times but the rain, spray and heavy traffic on the M1 made conditions difficult. Radio 2 kept me company and the heater kept me warm. Then I hit that queue - six miles solid and I was soon an hour behind schedule.

They were still clearing up the accident when I got there. It was nasty. A lorry and what was left of two cars. Made me think, after all that could have been me. Yep, my life insurance is up to date and my Will was renewed only last month. The family would be well cared for and the mortgage repaid. Had I missed anything?

The business. What would happen to that? We have two directors, 7 employees, an overdraft and lots of insurance. Public Liability, professional indemnity, vehicles and stock are all insured. We even have legal protection insurance. Had I missed anything? I got to thinking.

Thank goodness it wasn't George in that accident. A great guy and he's been with us five years. He's our top salesman. There again what if it had been my co-director who also owns 50% of the business? What would be the repercussions on the business?

Sales down, profits down, bank phoning all too politely to ask about the Directors guarantee on the overdraft. Then I'd have to try and buy his shares. I wouldn't want someone else to get hold of those. At some stage I'd have to recruit someone of his calibre to continue the company going forward - that wouldn't be easy! And recruiting top people doesn't come cheap. That's more time and more money. The personal problems... the repercussions... the extra work... the extra stress...

Oh heck, I don't want to think about it all. Quickly, switch over to Radio 1.

Does all this ring alarm bells with you? 95.2% of UK businesses employ less than 10 people and these are precisely the organisations most at risk from the impact of severe illness or death of a key person. The risks of a key person being stuck down with a long term illness or death are real. 1 in 5 men suffer a critical illness before their normal retirement age. Then there's the M1. The fact that it hasn't happened so far might just mean your business has just been lucky.

Now to those actuarial boffins in insurance companies, risk and luck are flip sides of the same coin. And they can provide insurance cover for most risks. After all they too want to increase sales. But they're scratching their heads about Keyman Insurance. Most of Britain's 4.1million small businesses should have it but few do. What can it do? It can be structured to:

Provide an income stream to the company whilst the key person is incapacitated (compensation for the lost contribution from the Keyman)

Provide a lump sum to the business in the event of death (pay off the overdraft or simply bolster cash flow?)

Provide money for remaining shareholders to buy the shares from the original shareholder or their estate

You'll need to talk to a Financial Adviser about these issues but they are all insurable. Can your business afford to take a risk it doesn't need to?

Memo to myself - get Keyman Insurance!

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Description: memo to myself - i need keyman insurance last month i had to drive down to london. i don't like driving at the best of times but the rain, spray and