"Thanks Vic 575 . I think I have practically drawn a conclusion. I did also speak to a bulider who used to have income protection. Something happened and he had to claim, I can't remember the details, but the whole thing made him cancel it for good."

"Thanks Luke brooks . I think I can see where this is leading..."

"Some insurance salesman once tried to sell me one of these thirty years ago. I could see immediately that it was just an income stream for the insurer. There were so many hoops to jump through to be able to make any claim and you would have to be…"

"I claimed on mine after emergency stomach surgery and they said you've had bowel surgery In the past and that repeat problens are not covered. Firstly I never was insured or was self employed nor claimed so why would one surgery of a different part…"

"Thanks Neil Darby ."

"Cheers men, since I wrote last one had 3 more calls so if anyone Is thinking about it , don't hesitate... I know a great online site for reasonable buisness cards.
Have a great weekend "

"Years ago, whilst doing tree work on a hot sunny day, I had a very nice young lady come out & ask me if I could 'comb' her bush ;-) No kidding.
Unfortunaley she meant could I trim the privet for her instead!"

"I asked a couple of years ago about a policy & was told at the time it would be silly money, because of my age. I'm 54!. I also wouldn't get cover because of an underlying condition, or it wouldn't cover me for that, if I was ill for the same…"

"Thats very encouraging , a great start to the year . 
When you think about it people are perhaps  begining to appreciate the personal doorstep approach in these times , not so much cold calling but a leaflet delivered from within the community is…"

"Excellent.... Depending on the size of the large garden....you should be able to get more work there.
Don't let the Letting Agencies run up too much of a bill
 "

"What a waste.... of material & time. Sell the idea to the client that these leaves are next years mulch. If they are already in a pile turn it into a leave bin, net the sides etc. As you mentioned they already have compost bins so should be aware of…"

"2 hedges and 3  hours work per month in a large garden which he says could lead to his lawn , slabs to lay and regular lawn cut , 2 ponds to maintain ..
2 replys from letting agency's 
 
Great result for January as more could be saving the cards to…"

"Have googled. Turns out none of what I want to do can be done on the self employed version. 
you can only do what is allowed as per the self assessment form. quickbooks help weren't helpful. They just said ask your accountant. 
I think it's a lot…"